WillisBack/dataset-financial-user-claim huggingface dataset:
My client is XXXX years old and has been working with SPS on a short sale for over 8 months now. When she first started she was told she would receive {$10000.00} relocation assistance ( she has this in writing from SPS ). The HAFA relocation program had already expired ( XX/XX/XXXX ) but SPS failed to update their documentation. Then they told her she would receive {$3000.00} relocation ( she has this in writing from SPS ). In XX/XX/XXXX SPS then advised my client she would not be eligible for the relocation assistance. In addition to getting bad information about the relocation assistance, my elderly client doesn't regularly use technology. SPS is frequently asking for " one more change '' or " one more item '' which has caused her short sale to be delayed. My client 's agent finally asked our firm to assist as they are concerned this woman is being taken advantage of because of her age. I contacted SPS directly and was advised that the only change needed was to remove the relocation assistance on the HUD. We did so and submitted that information XX/XX/XXXX.  SPS policy is that they will review the file in 3-5 days to confirm documentation. When I spoke with the Ombudsman department on XX/XX/XXXX they indicated there were no new notes and they would send a request for an update. I called today ( XX/XX/XXXX ) and was advised that TODAY the file was reviewed, so a decision will be made within 30 days. SPS is out of compliance with their own guidelines and again, taking advantage of my client. They dangled relocation assistance in front of her, now took it away, now they are delaying reviewing her file. Once change was needed, one change was made. We need a decision ASAP.
Got a text from a person at XXXX XXXX XXXX asking to finish my loan forgiveness application. I never started one so I called and they had all information I had submitted to Navient the previous night. As I had the person on the phone my son called my daughter who was a previous employee of Navient. My daughter stated to hang up it was fraud so I hung up and the caller called me on my home phone from XXXX XXXX XXXX and at the same time emailing me to pick the phone up we got disconnected.from email XXXX previously to that he I got an email that I changed my password from XXXX it wasnt me that changed it. I then contacted Navient and they gave me the number to this organization and I was sent this email.
My social security number was compromised in XXXXXX/XX/XXXX. I only found out when I received a phone call from a collection agency demanding a payment of {$1000.00} to XXXX. I have been going back and forth with XXXX for OVER A YEAR, submitting ALL documents they have requested, contacting all credit bureaus, etc. The credit bureaus have informed me that they have never received anything from XXXX saying that this was fraud, but I have a letter from XX/XX/XXXX, from XXXX stating that they have sent a letter to the credit bureaus and to wait 90 days for the removal. It is now XX/XX/XXXX. There is a hard inquiry on my XXXX report that was NEVER authorized ... XXXX also opened an account with my social security number, under the name XXXX XXXX, which is NOT my name. My name is XXXX XXXX. The account number is XXXX. I have sent them a notarized packet that shows my address, which was not where the orders were made, at the time, as well as my driver 's license, a copy of my ss card ( with the numbers except the last 4 blacked out ) a FTC report, and their own packet that they 've requested. I 've also sent them a copy of my credit report where it shows that hard inquiry still exists. I even filed a police report, and gave the police officer the name, address and phone number of the suspected person, and even HE did n't care to do anything. This has been going on for OVER A YEAR. If this does not get cleared up within the 15 days that CFPB says to allow, I will be contacting their legal department.
On  XXXX   XXXX ,    2017, w e received a letter from  XXXX   XXXX   XXXX , Senior Vice President,  Loan Operations, Consumer Financial Services, for Wells Fargo. In that letter, I was informed, " [ i ] n a   recent review of your relationship wit h Wells Fargo, w e found that you have defaulted on a Wells Fargo loan account. As a result, we are closing your credit card account as of the date of this letter...  ". A copy of this letter is attached to this complaint. In addition, Wells Fargo has filed a credit report with  XXXX  notifying them that we 've defaulted on Well 's Fargo 's account ending in the digits    XXXX .      We 've reviewed Wells Fargo 's allegation and have determined they are false. Documentary evidence supporting our determination is attached. We have brought this matter to your attention because of concerns that Wells Fargo 's allegation is also potentially fraudulent. Discussions with Wells Fargo  staff today to attempt to resolve this issue have been inconclusive, and we are concerned about the inaccurate report to   XXXX   remaining on our credit report. In speaking with  XXXX  from  Wells Fargo 's  " executive office '' (  XXXX , extension  XXXX  ), we received the following information  : 1 ) this might have been a clerical error ; and/or 2 ) this might have been due to inappropriate activity on another Wells Fargo account ending in the dig its  XXXX . As described below, we have had no such account at any time. She has informed us this matter will require 10 days to resolve, however has not provided any additional information regarding the steps involved with the resolution.     Information pertinent to this matter is attached to this complaint :  1. The Wells Fargo ac count is paid by direct deposit from a  XXXX   XXXX  checking account. Attached is a record of on-time payments to th e Wells Fargo account going back well over one year .      2. Wells Fargo alle ges that we have an second account with them which we have defaulted upon. In reviewing our credit report, we do not have any accounts wit h Wells Fargo except for the one en ding in the digits  XXXX . Attached are a   XXXX  -bureau credit report documenting our account history, and a account report from  XXXX .   XXXX   of these show only the sin gle Wells Fargo account ending in digits  XXXX .
I have sent IRS Noti ce of Withdrawal of Federal Tax lien to   XXXX , TransUnion and  XXXX  to delete the entry from our records, and they have not.
My mother and I bought property together and I also had martial home which was not my mothers. Wells Fargo foreclosed I 'm property that I did n't given permission to use. This property was part of a divorce settlement dispute and XXXX XXXX had no right to property. XXXX XXXX of XXXX was loan officer I believed he fudge paperwork and committed some type of false information which in end result made my mother lose all her property 's it should have been exempt from taking mine
Asked XXXX XXXX to remove closed paid in full account, the account was XXXX XXXX. XXXX recieved letter and sent a notice to both XXXX and transunion that they closed the account and dropped my credit score by XXXX points in both cases, transunion XX/XX/XXXX and XXXX XX/XX/XXXX. i called XXXX they said that couldnt happen from a closed account, tryed to get documention they would not give it or any info on why my score went down. Your help in this matter would be greatly appreciated. 

Sincerely XXXX XXXX
I opened up a money market account at First Niagara Bank in XXXX XXXX CT on XXXX/XXXX/2016. I was told that the APY interest rate was 1.01 % based on the advertisement in the XXXX XXXX as well as a verbal discussion. There was no mention that the rate was related to compounding and this was confirmed verbally with the bank officer. And that taking out the interest monthly would not affect the rate that I was to receive. After 33 days of " interest '', from XX/XX/XXXX to XX/XX/XXXX, I received not XXXX of 1.01 % but rather XXXX of 0.81 % and my printed statement says that my APY is now 0.81 % not the 1.01 % I was expecting. 
The interest I received was XXXX % LESS that I was expecting. The difference in the amount of money is not very much but First Niagara, in my opinion, lied to me with false advertisements and false verbal discussions, apparently to get me to put my money into a seemingly high interest money market account. Multiply this by XXXX customers and XXXX dollars and the amount of money they defrauded consumers could be very substantial. In my opinion, First Niagara deceived me and its customers and violated honest banking practices.
On or about XX/XX/XXXX, My concern is card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. 
Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, ( POOR ) condition, as if overnight. Failure for Consideration for credit line increase to provide for balance transfers to slow down the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays. 
The rate increase and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. 
Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. 
This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XX/XX/XXXX.
I rented a apartment from XXXX XXXX XXXX XXXX in XXXX in XX/XX/XXXX. After a few months of residing there, I have to move back to XXXX in XX/XX/XXXX. So I terminate the lease and pay the penalty which is {$5800.00} the remainder of the balance owed. Then in XX/XX/XXXX I got a call from XXXX XXXX saying that I owed them utility bill of a hundred and fifty something dollars. I call the utility company XXXX and ask about the charges and was told my account is paid in full and has been closed. Then I call XXXX XXXX and told them about my account standing with the utility company but they insist I owed them monies. so I ask for proof of bill but nothing came. After a while I start getting calls from the collection agency " XXXX Pro-Collect ''. I explained to them what happen but was told to sent in proof. I did by regular mail but still got calls from them on my cell phone. Then I spoke to a XXXX XXXX from the agency and she told me they did n't receive any mail from me. I proceed to sent them a registered mail this time but calls continue coming in. I call the agency and ask why are they still calling me and was told they are waiting for reply from their client but at the meantime they will keep calling. Then the last thing I know my credit report has a negative collection report.
There are XXXX Aliases that I do not recognize and I believe there are using my social security number for unknown reasons. The XXXX aliases are completely unknown to me. I am here to find out why there are variations of names on my credit report. My goal is to deteriorate any false information that appeared on my credit report. Thank you.
Discover Bank has messed my account up once again by not talking to me as customer and has closed my account out without explaining any issues or talking to me as a customer. This bank has been absolutely horrendous. I have never had so many issues with a bank or been so disrespected in my life. This bank has no regard for me as a customer and will try to count my account as a charge off after denying me multiple amounts of information. Not accepting information that was sent to them. I spoke with the bank today XX/XX/2017 at XXXX by XXXX all access to my account was shut off.
Today 1st Franklin came to my place of employment. I was not at my desk but received XXXX voice mail messages from securty advising that someone from the company was in the lobby to give me a financial debt claim. I am very embarrassed. I entered into a reduced payment amount and I am experiencing financial hardship. 
I am not disputing the debt. But would like to settle for 50 %.
A Discover card was activated after having it for 2 years I called the day before I left for vacation to activate the account everyth6was fine advised discorer we would be traveling and the dates. The card was used for gas from XXXX to XXXX no problems it was also used at a hotel and retailstore still all was fine. 2 days into the trip we went to purchase has an item and it was declined. I called and spent 20 minutes on the phone and could not get any answers as to why. I finally dander a a supervisor because a t the point now my family and I are stuck until we can get ahold of our bank to be able to use them out of state and Discover shut the he card down. The phone rep stated it was on XX/XX/XXXX when this happened yet we were able to use the card until XX/XX/XXXX. So they allowed for us to leave and use this card thinking all was fine yet the card had been shut down for days and not even any kind of notification and they let us charge on it and left us stranded and let us charge on a card that was shut down.
I was told numerous times by many different representatives I have 12 months of forbearance for my loans. I took a few months of it and then I needed to extend it for the remainder of the 12 months. I paid {$150.00} to make my loans current and then they would extend my forbearance. A month later they told me they wo n't approve my extra time that I was told previously would be. So now I have  two  sets of payments past due. Sallie Mae has never been straight forward with me and I get all these different answers. They refuse to hear me out on why I want my forbearance.
In XXXX I asked for a loan modification. They asked me to submit required documents. I submitted them by email and they were acknowledged by the company as being received. In early XXXX I was notified that they were closing my case due to a failure to submit documents. I provided an email chain to the loan service supervisor he agreed it was closed improperly and had it reopened. 30 days later, in mid XXXX i was again notified it was closed for failing to supply updated documents. I again contacted a supervisor and it was reopened. In early XXXX i was informed my request was denied because I did not make enough money. I was told to make more money then reapply. 

Since that time i have fallen one month behind on the payments, I have attempted to contact them several times to review the options. Typically i am on hold for 30 to 45 minutes when the call disconnects or it is answered and then i am hung up on without ever speaking to anyone. It is apparent from the behavior of this company that i am getting the run around on loss mitigation. ( Loan modifications )
Sent Experian valid police report and they verified the account under a fraudulent address. They then deleted the fraudulent address : XXXX XXXX XXXX XXXX, XXXX FL XXXX. 
I requested the account be re-disputed as fraud now that my credit report is correct, and they stated they will never dispute the account again even with that change. To contact the source. 

I am requesting that they start a new investigation.
It happened around first week of XXXX 2015. I got a call from a finance company saying they send me a check for XXXX dollars in the mail and it got cashed. I told him I never applied any loan with you guys. He replied they send me a check without applying and they do it all the time but this is the first time it got cashed. So I told him maybe somebody did some fraud to me and asked what should I do now. I went their next day talked with them then reported to the police. next day I went there again signed the affidavit to investigate the fraud through the bank. I did my part as per they said. After that I did not hear nothing from them. Yesterday I checked my credit and now its showing up on my credit and ruining it. I went there yesterday again and asked them about the status of the case which they say is still not resolved and told me they ca n't remove it from my credit. I did not understand many things in this case. How can I be liable for something which I didnot even know of? How can they send a real check in mail without notice or without applying? How the check on my name got cashed without my signature and identification? Now I feel I got scammed and I need help.
I was XXXX when I had a meeting about how to pay for my school at XXXX XXXX I did not I did not understand what they were talking about. someone just gave me some papers to sign. after I graduated I got many, many calls about owing money for going to XXXX. I told them that I could not remember what they were talking about. I told them to stop calling but they not stop. I got really scared to answer the phone because they very mean to me. I went to my psychiatrist and he changed my drugs to help me out. I got a lawyer who told me he was going to sue and I would get a lot of money.
I received a cal from a weinberg and associates lawyers office. They told me that I had until XXXX XXXX that day to pay them an amount of XXXX dollars or they would prosecute me with a several felonies and a warrant for my arrest would be issued that day. She also said that I signed documents saying that they could do this to me. I got scared and I paid the money. the first person I received the call from was in Georgia while the company that charged me was in Florida. This made me suspicious of the company so I called the original company who I received the loan from and they told me that they were unfamiliar with this company and the agreement I signed said nothing that about prosecuting me legally with felonies. He told me it would be just a small claims court and that is what they contract out to their third parties. I was afraid because this company told me that they had papers drawn up and were sending them to XXXX XXXX   County court where I live to prosecute me for Check fraud. I still haven't called the third parties that the original debtor told me was handling my debts but this company collected XXXX from me with a scare tactic, and from what the original debtor told me that was illegal. The companies that the original debtor said is handling my cases were XXXX XXXX and XXXX XXXX XXXX.
I have made arrangements to repay a {$800.00} loan that includes high interest to {$2000.00}. I emailed CashNet USA this statement on X/XX/2017. Effective XXXX XXXX, 2017, I can begin repaying {$50.00} per month towards the debt of {$2000.00}.
Thank You!
These are the repayment terms that I can do because I am still unemployed.
Credit bureau is in violation of FCRA, GRAMM-LEACH-BLILEY ACT and 49 CFR 801.56 among others.
I contacted Great Lakes on XX/XX/XXXX in reference to two alleged late payments on XX/XX/XXXX ( 30 Days ) and XX/XX/XXXX ( 90 Days ). I reviewed the information that was provided to me by Great Lakes and I disagree with this information reporting via XXXX, XXXX, and XXXX. 

I never was late on these accounts.
I am in receipt of a letter from Sequium Assets, XXXX XXXX XXXX, # XXXX, XXXX, Ga XXXX stating that I owe {$8.00} to XXXX. Please note, XXXX has sent no bills to me regarding this. I signed up for their service and cancelled within their no penalty cancellation policy after a few days. My credit card was never charged and XXXX has had full access to it. Not a valid debt and no evidence or supporting documents have been provided. Their number is XXXX. 

Thank you
Experian is reporting an unknown account XXXX/unknown company is reporting information on my credit file. I have notified them that this is not my account. I have also asked them to send me proof that I am obligated to pay them for this debt if they are suggesting that the debt is mine. I have not received any proof that they own this debt or that I am obligated to pay them. This account needs to be remove from my credit file. This is not my debt. This company have violated the FCRA by not providing me with proof that I am obligated to pay them and reporting a debt that do not belong to me.
i purchased a vehicle from westlake financial i paid all but XXXX and they know i get paid on the XX/XX/XXXX of the month i am on retirement they call my house 20 times a day sometimes they hang up and sometimes they disconnect calls and argue over XXXX which i told them would be paid the XXXX of the month every month they called my house again at XXXX XXXX   waking upo the grandkids and they call right up to XXXX XXXX my time isnt that way to late to call. i want it to stop stop harrassing me over XXXX and i told them the XXXX of everymonth it is paid not my fault my bank sends them out the XXXX of the month. i pay all bills with online banking they get notified of the payment and have not called me til recently and frequently during the day it needs to stop. the car i got was a lemon i paid XXXX for a car that cost me close to 5000 to repair and to my surprise there warranty is not valid it doesnt cover anything and they new this car was in a flood and the back frame fell off the truck when my kids were driving the car there lucky it didnt cause an accident. stay away from XXXX XXXX  in XXXX  XXXX  and do not ever go thru westlake financial both rip offs
I paid debt to XXXX XXXX XXXX through a settlement with their lawyer in 2015. Now XXXX XXXX is using a different lawyer who says that settlement in 2015 is null and void and I have to pay again.
On XXXX XXXX XXXX, 2015, I attempted to deposit {$800.00} cash in the ATM at the US Bank location at XXXX XXXX XXXX in XXXX XXXX, MO. The ATM was unable to complete the transaction and issued a receipt with a toll free number to call. I received an e-mail on XXXX XXXX at XXXX XXXX stating the deposit transaction completed. The money was still not showing in my account. I called the toll free number, as advised by the branch manager, and started a Reg-E claim. At this time I was told that it would be XXXX business days before my {$800.00} deposit was reflected in my account. My fianc called and tried to speak with the manager because this incident occurred at another US Bank in XXXX and the branch manager was able to issue an instant provisional credit. I still do not have the money in my account, even though I provided the e-mail showing the transaction was completed. I have been advised that they would reverse any NSF fees, but I fee they should also compensate for the inconvenience and interest, as US Bank would charge. This has been a horrible disservice to me and my family as our rent check will be returned and while the account is overdrawn, I have {$50.00} cash to fee my family of XXXX. We should not be inconvenienced due to US Banks faulty equipment. Please help.
I decided to quit attending XXXX after seeing the teachers not help but actually give the answers away for the tests so everyone would pass. Upon seeing this I knew the degree from XXXX would be worthless. This would hurt any chance I had of getting a job in the field of study I was in.