WillisBack/dataset-financial-user-claim huggingface dataset:
Dear XXXX ; In receipt of today 's conversation with the representative and point of contact from the Wells Fargo Home Mortgage Executive Resolution Team, XXXX XXXX. It has become crystal clear to me that not only are the representatives stalling for time and are also un-knowledgeable concerning my account. I was given a scope of reasoning for which there were XXXX escrow analyses performed within a three month period, without my consent. Additionally inquiring about the unapplied funds from the deposits I personally made. XXXX for {$490.00}, {$820.00} and {$1100.00}, which have not been applied and gaining interest by Wells Fargo. The reason I know this is due to the fact that I have now begun to receive correspondence from the NC Foreclosure Prevention Fund and State Home Foreclosure Project / case # XXXX. XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX XXXX. When inquiring to XXXX XXXX as to why I started to receive this correspondence and if the deposits I made had been applied, his reply was that he had no knowledge. One of the reasons one is appointed a point of contact and working on this issue since XXXX 2015, is to gain a scope as to why this is occurring. It is appalling to continue to be forced to have an outside agency look into these matters, when this organization ( Wells Fargo Home Mortgage ), is supposed to be of assistance in these matters. I have personally walked into the branches of Wells Fargo and made all of my payments over the counter and in person, I 'm also familiar with the branch managers. They have also had to hear of my frustration with the XXXX branches. Additionally when making these payments, it is my understanding that Wells Fargo Bank , N.A . are directly linked to Wells Fargo Home Mortgage, in making and receiving payments. So I ask the question, why are my payments not being directly applied to my accounts. I herby request a full audit of my records and payments and also request a point of contact that is fully knowledgeable with the payments and banking institution of the XXXX. I also requested all payments posted, as I have all of my bank deposits and records available.
Case number : XXXX - Your response was unacceptable, not to mention asinine! What do you mean not specific enough. Let 's review this again. 
1. ) Experian has a phone number on their website to call they advertise you can get to a live agent ; but, you can not. False advertising - specific enough? 
2. ) XXXX of the security questions from their public record IS WRONG! The make and model of my first car. XXXX ; t you think I would know the answer to that? They have it wrong, whatever it is and it needs to be changed! - Again - specific enough? Now, please refer back to my original escalation ( XXXX number : XXXX ), reopen it and forward to Experian and hold them accountable.
This is a follow up to a previous complaint that the company responded to. There explanation was not relevant to my concern. The previous CFP B Case Number i s  XXXX .     I am sending documents which further describe my complaint.       NOTE : THE TIMING OF THE EVENTS THAT ARE ATTACHED ARE PREDICATED ON CALLING THE BANK TO HAVE MY FUNDS APPLIED TO MY ACCOUNT. WITH MY INTERVENTION, IN 11 DAYS THE POSTING WAS COMPLETED. IT IS MY UNDERSTANDING THAT IT WOULD HAVE TAKEN 14 DAYS TO POST IF I HAD NOT CALLED AND REQUESTED THE PAYMENT BE POSTED.
I canceled my XXXX Dollar XXXX XXXX with XXXX XXXX and informed XXXX Citi Bank that I was charged XXXX on X/XX/2017. 
I had cancled my XXXX Dollar XXXX XXXX before the trial period ended. The XXXX Dollar XXXX XXXX is misleading and I revived no monetary benefit past the trial period. 
I had my Citi card reissued prior to this date so XXXX had presented an charge on a closed account number. Citi reversed the charges to XXXX. When I filed an complaint. 
I contacted Citi when the charge reappeared as XXXX had reversed the charge back on to my Citi Card. 
Now XXXX reports a negative statement filed by Citi and my credit rateing dropped some 50 points plus or minus and I was recharged the XXXX, and it was paid on time. 
Citi also reports a account deficIte with XXXX when the balance of my account is paid-off fully every billing cycle.
I have written 3 letters regarding Unverified accounts reporting three times and different amounts and dates. I 'm asking for the CBR 's by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts they post on my credit report to assure maximum accuracy. The failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C SS 1681, unverifiable proof
I do not receive statements from Citi. I found this out when I found out I was late on a payment last year and was charged a late fee. The associate I spoke to said that they would return the late fee and confirmed that I was signed up for paperless billing, to an email I no longer have access to. This person did not change it or give me any other options on how to avoid this situation in the future, as I told her I do not use this card often at all. 

I signed into my credit card account on this weekend to see how many Thank You points I had, so that I possibly could book a trip. I then find that the account is in late status for 2 months. This is out of nowhere! 

So I called to have this taken care of. The associate I spoke to this time said that he returned XXXX of the fees and that I would have to speak to customer service to get the other XXXX returned as well. So we set up the payment for the amount owed less the fees, about {$50.00}. I then call the customer service number that he gave me and I speak to an associate who says she is physically unable to return the fee under any circumstances because citi 's policy is to only return XXXX fee in a calendar year. 

Figuring this was impossible I decided to ask to speak with a manager. The manager I spoke to " XXXX '' gets on and echoes what the associate sai, actually more extreme. CITI RETURN FEES TO CUSTOMERS ONLY ONCE PERIOD. I explained to her my problem that I had not been getting my statements and that obviously if I had known or received a call or something, I would have paid it. I was {$50.00}!!!! 

She then explains that I can stop my paperless status to avoid this in the future, which I said should have been done the very FIRST time this happened to me! She agreed and remained firm. In the last attempt to get her to see it from my perspective, I explained that I was late on a {$50.00} charge, and that Citi is attempting to pocket OVER {$55.00} in fees alone for this payment. I explained that this was completely unfair. She then explains that this is part of my credit card agreement. 

I then asked her how I might close out my entire relationship with citi, since it callously treats its customers this way, to which she replied that she would be happy to help me with that. Why she had to be so rude is beyond me. This is ABSOLUTELY UNACCEPTABLE. I am absolutely disgusted with citi. I am ashamed to have my XXXX credit card accounts with them, totaling over XXXX in credit.
I spoke with XXXX XXXX XXXX ) this morning to get an on-line copy of my credit report due to numerous errors. XXXX claims he could not send report on-line it has to be mailed. I advised XXXX that he was a liar because each time I can get in contact with Equifax ; they send the report they way I request it. I hung up on him and tried to do a dispute on-line, it states my information is wrong and to fax dispute via XXXX. I know most of the information on my file is incorrect that is why I am fixing it hopefully for the last time.
I was at work yesterday and received a phone call from Foundation Finance and I did not give my work number to them, EVER! XXXX at foundation finance admitted to searching for my work number and reaching out to me with out my permission. Several phone call have been made this month to try to collect a payment. I know when I need to make my payment and I also know when my bill will hit my credit report. What I do not like is that they without my permission searched for me and found my work phone number and then admitted to it to me today at XX/XX/2016 at XXXX.
At or around XX/XX/XXXX I purchased an extended vehicle warranty for my elderly parents who are on a fixed income so as to ensure that when their car needed repairs they would always be able to get them. The car only has XXXX miles on it - I paid {$1600.00} for the warranty using both my Chase and XXXX XXXXXXXX XXXX debit cards. At or around XX/XX/XXXX I made multiple calls to ASAPs XXXX number to file a claim, each time the answer service would pick up the phone and take a message- no one ever called me back. I called several departments on multiple days and each timethe answer service would state that all of ASAPs calls had been forwarded to them all day. At or around XX/XX/XXXX I contacted Chase claims department - I asked how long did I have to file a claim - claim rep stated 12 months - I then filed a claim for the XXXX ( thats the ant charged on Chase debit ) within 10 days Chase denied my claim. Now my elderly parents car needs a new transmission and I dont have the {$1600.00} that I paid for a bogus extended warranty. I can be reached at ( XXXX ) XXXX. Thank you.
I have had a Macy 's credit card for years. I was emailed a statement notice on XXXX/XXXX/XXXX. Previously, I have paid when notified without question, but this time I knew I had not used my card in a very long time. I thought maybe someone had fraudulently used my card. When I looked through the past statements, I found that I have been being charged a minimum {$2.00} per month interest charge even though I have not purchased anything on this card. Is this legal?? This makes me wonder how many times I have paid this questionable charge unknowingly. I can only see the last six months online, and all dollars I have paid to Macy 's within this time frame have been strictly for this charge. I suspect they may have been posting this charge on my account for even longer. 

I fully paid off my balance owed XX/XX/XXXX, and since then I have not made any purchases, I did not expect to have owed anything. I only have made payments when Macy 's emailed to notify me. I also noticed that Macy 's has dropped my credit limit to {$100.00} from {$600.00}, surely due to my late payments of these questionable interest charges. How is it I am being charged interest on nothing purchased? Once I paid off my balance in XX/XX/XXXX, I was still assessed this iffy charge XX/XX/XXXX, and then monthly ever since. I will attach a copy of the statement showing I had paid off my balance fully.
They wo n't remove old accounts. The credit reporting agencies have not provided any certified proof of claims to date.
We began the loan modification waterfall process in XX/XX/XXXX. Since this is an FHA file, we were aware that we would need to go through loan mod before moving into short sale. We placed the property on the market and began the process while searching for a buyer. In early XX/XX/XXXX, we were told that the loan mod had been declined and we were moving into short sale. The same day, I initiated the file in XXXX. An appraiser contacted my office for access and said he was sent there by Mr. Cooper. I mentioned this to our representative and she denied that the appraiser was sent and said that the FHA was taking " 15+ days for a response. '' It has now been 42 days since she sent the file to HUD and I am concerned if anyone is actually working this file. The client also regularly logs in to his Mr. Cooper account and says his account still has no information regarding the short sale. There has been no real movement on this file and I would hate to lose such a patient buyer.
We have been capital one members since XX/XX/XXXX, and last time we were approved a credit limit increase was in XX/XX/XXXX. They have been constantly denying our request with the reason of OUR AVERAGE MONTHLY PAYMENT IS TOO LOW. We pay more than the monthly payment and at times two payments a month and they are more than the monthly payments they ask for. We are tired of this company Degrading us with there observed reason on why we are Denied.
I am enrolled in Navient 's Rate Reduction Program. Every single month for over two years my payment has been allocated incorrectly between my XXXX loans. After the money is withdrawn by Navient from my checking account and incorrectly allocated, I begin getting phone calls and emails saying that I have missed a payment and must take action immediately. Every month I have to take time out of my work day to leave my office and call Navient to attempt to resolve the problem. Every month I get a different person on the phone who gives me a different explanation as to why my payment has been misallocated for THAT month. Every month I explain to them that this has been happening for over two years and every month I get a different explanation as to why it is happening. There typical response is, " Well I have figured out the problem and I have resolved it, so it will not happen anymore ''. I get this general statement every month. And every month, I have the same problem again. 

When I call, they do supposedly re-allocate the money to the correct loans while I am on the phone. I say supposedly because I literally have no way of cross checking what they have done. The only means to cross check would be my monthly statement, but every month my statement shows the payment misallocated. I have been paying these loans on the Rate Reduction Program for over two years and have never had an accurate statement!
THERE IS A INQUIRE ON MY CREDIT REPORT THAT DONT BELONG TO ME AND I WROTE TO THE COMPANY AND ASKED THEM TO SEND ME PROOF THAT I MADE THIS INQUIRE AND THEY FAILED TO DO SO
Debt not validated!!!! No documentation of the original application with signatures. I do not have a signed contract with portfolio recovery.
Good Morning, I am in need of your assistance. I have been trying to get a loan modification from CitiMortgage since XX/XX/XXXX, due to the fact of my sister being laid off. During that time I was scammed from a company called XXXX, from XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX. I was hands on with what the bank was requesting and provided XXXX with all documents. I would frequently check online to make sure the bank received all documents, which they did. 

In XX/XX/XXXX/XX/XX/XXXX, I received a court order to attend a preliminary conference, at which time XXXX backed off, this is when I realized I was being scammed. At this time I had to hire an attorney, to take over and accompany me to court. From XX/XX/XXXX/XX/XX/XXXX-present I have not received a determination. I have been getting the run around from the bank ( CitiMortgage ). They email me as well as my attorney requesting the same documents over and over. In which I provide them with every time. I also contact the bank constantly to find out the status of my file at which time is when they advise me, every time, that it is in underwriting, this has been going on for years. Ever-so-often they change the person handling my file, which in turn causes the entire process to start over again, Requesting an entire packet as when I first started the application in XX/XX/XXXX. 

At time my sister has gained employment and we are more than capable to pay our mortgage, at a lower rate. I am contacting you for your assistance, as this has been going on since XX/XX/XXXX. And I have been getting the run around. I have lost sleep, this has been a major strain on my family/marriage. It has affected my health, because I do not know if one day I will receive a letter advising me that I will lose my home. 

Thank you, XXXX
XX/XX/2017 I friend of mine send money order through Wester Union ( WU ) With the tracking number XXXX. XX/XX/2017 I picked up the money for a total amount for {$1900.00} at one WU agent store in XXXX, CA. They did n't give me cash as they usually do, Instead they gave me XXXX checks XXXX for XXXX other for {$930.00}. So I took those checks and deposited them in my Bank Account. Next day XX/XX/XXXX, I received a call from my bank to let me know the checks bounced. Since then I 've been looking for an answer about what happened with WU and made more than 12 phone calls to their customer service line. They keep telling me is an Agent problem. I went 2 times back to the Agent Store they call to their Agent Service Line with WU and after a long wait both times, same story, they said the problem is with Western Union. As you can see I 've been running in circles with this XXXX institutions NO ONE TAKES OWNERSHIP of the issue and give me a concrete solution, they just said that I have to wait, But I ca n't just sit back and do nothing. I filed a complaint in Western Union complaint service with the case num XXXX no answer on their end. There are many wrongdoings in this case, I feel ripped-off. in the First, I went to a Western Union " Authorized Agent '' and they gave me BAD CHECKS why? Second, After so many emphasis Nor Wester Union Neither the Agent take ownership they keep bouncing the ball between them. Third I paid for an express service {$60.00} dlls fee, cause I needed they money urgently and Is time that I do n't have my money back yet. Even though the sender pay in cash and fulfill all Western Union policies last but not least, Wester Union and its agents may decline to accept or pay money transfer that either of them determines violates any applicable law or policy, But in this case they accepted the money and more over they paid it, What means everything was okey and according their policies and laws. So why I have to deal with not funds Check? This is a rip-off!!! 
Resume International Money Transfer in compliant with all Western Union Policies and Laws Amount {$1900.00} Dlls Problem : Bounced Check By on of Western Union Authorized Agent Money Origin XXXX Dated XX/XX/2017 Money Pick Up XXXX, CA Dated XX/XX/2017
Hi there, I am currently seeking advice or assistance with my financial situation. This is how it happened. On XXXX XXXX, when I initiated a Chase Quickpay transaction to send money to my friend ( her name is XXXX XXXX ) via her phone number. For some reasons, the phone number I entered is correct but it was registered under a previous owner 's XXXX XXXX XXXXXXXX checking account. My friend did receive a text confirmed that the money will be credited to her account in the next few days. However, when my friend called XXXX XXXX XXXX customer service they told her that the even though her phone number was registered under another customer 's bank account and the money already credited into that customer 's account. 
Then I initiated a claim to Chase Quickpay transaction and Chase followed up within a week told me that. The person who received my money by accidentally do not want to return the money back at all. I was wondering if there is a way to get back that money. Please kindly assist with this financial situation, that money was a big amount of my saving. I really appreciate it if you take a closer look at this or guide me to the right legal assistance with this issue. Thanks in advance. 

Best regards, XXXX XXXX
I Paid What I Owe Them. but They Did Not Remove IT From My Credit Report.
I disputed with them through the United States Post Office and I sent a certified letter to make sure they receive the documents because it contained all of my personal information. I will link that letter and the receipts here for your convenience and proof. 

Unfortunately I can not tell if they processed my disputes because the two old  accounts which have not had activity on more than 7 years are still on my file affecting me. These accounts are labeled XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The payments statuses are wrong because it states on the account beginning in XXXX that I am currently 180 days or more late and that is not valid because it is past the statue of limitation by law for last activity and it can not be help against me. This account is an FHA government account and has not been in XXXX XXXX XXXX  possession in over 7 years. This information should be deleted, as should the whole account. 

Secondly, I would like to bring to Experian 's attention that account XXXX is also wrong and I would like to have it deleted for premium accuracy please. I have no lates on this account as well in over 7 years and I am concerned here as well why it shows up on my Experian.com monitoring as a late account in my summary section. and FHA loan was taken over for both accounts in 2011 and they can not legally report this as their own. 

WHO DID THE CONFORMING ON THIS ACCOUNT? WHAT INFORMATION WAS CONFIRMED? 
These two accounts have incorrect and outdated information and they are not registering accurately on my general profile with creditors and this is tremendously damaging for me. 

These items were not updated or processed with accurate information after I disputed them and they do not report as being disputed by me. I have no proof that they corrected, investigated or confirmed anything an I am very very frustrated. 

No one here seems to be doing their job and falsely verify information to deter consumers from pursuing the truth and that is not fair and a very abusive and intimidating practice.
I was a victim of predatory lending when in XX/XX/2005 at XXXX years old, I enrolled in the for profit school XXXX XXXX University. I was the first in my lower middle class family to attend college so, needless to say, I did not have a lot of guidance on school choice and student loans. I was on my own to figure it out. 

The schools financial aid department set me up with Sallie Mae as my lender to cover cost of tuition and room & board. Sallie Mae said I could only take out $ XXXX in federal loans and that the rest would have to be private. I barely understood what this meant, but I really wanted to go to the school so I took out the loans. They gave me, a XXXX year old, a $ XXXX loan with no co-signer and then another $ XXXX loan with a co-signer. I believe I would have been allowed to take out more in federal loans at that time as well. 

By the time I got my XXXX XXXX one year later, my larger loan was $ XXXX with a 17.75 % interest rate and the smaller loan was $ XXXX with a 13.5 % interest rate. At XXXX years old, after the 6 month grace period, I was unable to afford my $ 1000+ per month bill. Rather than steer me into an income based plan, Sallie Mae enrolled me in forbearance for the maximum amount of time. I didn't even know an income based payment plan was an option. I struggled to find work in the field so I went on to get my XXXX XXXX from a public university and further defer my payments. 

Now, a decade later, my private loans alone are at $ XXXX. I can barely afford to make interest only payments and am only seeing my balance rise. I have no credit card debt, no car debt, no mortgage. My husband and I want to start a family but even with our middle income salaries, we live pay check to pay check and have no idea how we would support dependents. I am unable to consolidate the debt because it is too high and my debt to income ratio basically prevents me from taking out a small business loan or any other type of loan. 

The income based plan Navient has me in now is not actually based on my income and never will be. In fact, every 6 months, the program requires the interest go up .5 % so I'm seeing my monthly bill increase by $ XXXX every 6 months. It's back up to a rate I can barely afford but they wont bring it down even though my income remains constant. 

I would have no issue paying a fair interest rate on the loans, but a credit card interest rate for student debt is not what I would consider fair. I believe the lender and school were working together to defraud vulnerable young students. Im working in the public sector with the hopes that at least my federal loans will one day be forgiven ( if PSLF remains in effect ), but I anticipate paying Navient exorbitant fees for life unless these lawsuits against them work out in the favor of us borrowers.