WillisBack/dataset-financial-user-claim huggingface dataset:
I 've been seeking a mod on my mortgage since hardship caused me to fall behind in 2009. That was with XXXX. It was sent to Chase, though XXXX XXXX controls the loan. Chase has articially extended this process through forcing me to apply over 6 times. In the time passing Chase has sent me a bogus foreclosure notices, denied me due process, provided bogus numbers concerning my income that do n't mesh with those provided by XXXX XXXX, presented me with a modification that was more predatory than the original. There 's more ...
I am being charged XXXX times a month {$24.00} for credit monitoring and I can not get thru to the company to fix incorrect charges
In 2016 Wells Fargo created an " unapplied '' funds account where they took my checks that are marked " escrow only '' and deposit them is a non-descript account. They took checks that are marked Mortgage " principal and interest only '' and liquidate them in this mysterious account. Money then flows out of the account without any documentation of how much money was taken out of the account, where it was applied, what the balance was before or after money was moved in and out of this non-descript un-applied funds account. I can not tell from the lack of documentation where money is going or follow any paper XXXX. If it is being applied to escrow, then there needs to be itemized records indicating each entry. If it is going to principal and interests, then likewise, there should be itemized entries. Clearly Checks marked escrow should go to the escrow, and checks to pay the mortgage principal and interests should do exactly that. If there is a shortage then I should be notified with the correct payment options. 
In keeping with XXXX XXXX, I am asking Wells Fargo, to supply an " un-applied funds '' accounting ledger for the 2016 year that shows the input and output accounting, the checks by number that they liquidated into that account, and what fines, fees or transfers were made to/from that account and what when to pay what? I would also like to see a copy of the amortization schedule with a comparison of where the VA closing statements indicate where we should be at this point and where Wells is actually at in reference to the amortization schedule. 
I am asking also that the requested accounting be attached to the replay here at the Consumer Financial Protection Bureau, along with a copy mailed. - Thank you
I 'm not sure what this debt is I know it 's from XXXX XXXX XXXX I had a cellphone with them. I 'm not sure what this debit is for and why it is collections and the first place and it has been in collection for 3 years I do n't think the amount is correct or Accurate. I think I am being over charged for aw service I never used I want proof and how it is this amount. Where is my signature at? Did I agree to this where the terms and fees accepted and explained to me correctly because I do n't think they were and I think I 'm being over charged for a service I never used.
After my car was totaled XXXX insurance as well as my GAP protection paid off the remaining balance of the auto loan, yet the XXXX XXXX continues to ignore their duty and remove the negative error from my credit reports.
An account with XXXX was opened fraudulently using my name and social security. This is the 2nd time that my information has been used fraudulently by this person. First with XXXX and now with XXXX. As a California resident I am entitled to the original documents that were used to obtain this account ( XXXX ). I called XXXX and spoke to XXXX on XX/XX/2017 from the fraud department, who said since he was in Colorado that request was invalid. I advised him I was in California and do have the right to make that request. I was looking to send the request in writing. But XXXX refused to provide me an address. I requested to speak to a manager. After waiting 20 minutes i was transfered to a voicemail. I feel that my rights have been violated. I am planning to go to the media with this breach of rights. 

The fraud activity was noticed in my XXXX credit report.
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I had a Wells Fargo VISA Signature Card ending in XXXX. 
I received a letter from Wells Fargo on XXXX XXXX, 2016 noting that there had been some suspicious charges on my account and that if this particular account activity continued after receiving this letter, Wells Fargo noted they would close my account. 
The charges were valid charges, however, I followed the direction and did not make any additional charges whatsoever after receiving the letter on XXXX XXXX, 2016. 
Logging into my online account yesterday, I noted that my credit card has now been closed without warning or letter from Wells Fargo. More importantly, the {$1500.00} in Wells Fargo Go Far Rewards have not posted and have been XXXX out. 

This is wrong. I received a letter from the credit card company/bank and I followed the letter 's directions and did n't make any additional charges. Additionally, for them to close my credit card account outright without notifying me first is also wrong I believe. All charges were valid. Lastly, if they so choose to close my account for whatever reason, I should be entitled to the {$1500.00} in rewards points I rightfully earned. 

Wells Fargo runs a promotion and refuses to pay out to their customers? I believe this is wrong and I am expecting to get paid out my {$1500.00} in rewards. I am hoping you can step in on my behalf.
The company called me threatened to have me put in jail and I would have to attend classes if I did not pay full amount. Told me I committed fraud and had to pay full amount or they will send me to my county court. Contacted friends and relatives and revealed personal information to them regarding my debt. Threatened to take my references to jail as well
I have been attempting to find out how much is due and they told me that they have to compute how much is owed and it will take several days for that to be computed. They have stated to me that they do not know how much is owed or what has been paid.
I was discharged with chapter XXXX bankruptcy docket # XXXX in XX/XX/XXXX. Experian, XXXX, XXXX are all reporting the wrong dates ( XX/XX/XXXX ), BK should be removed off my credit report, only reports for 10 years, discharged XX/XX/XXXX. Told Experian to verify there information but never responded back, I also took the liberty to call the court house and they verified with me that it should be off of my credit report. Please delete off my credit report.
the following accounts are not mine, please have these companies show proof that they are mine they all are on transunion ... ..1 ( TRANSUNION ) ... 1 # XXXX ACCOUNT # XXXX 2 # XXXX XXXX ACCOUNT # XXXX 3 # XXXX XXXX ACCOUNT # XXXX 4 # XXXX XXXX ACCOUNT # XXXX 5 # XXXX XXXX XXXX XXXX ACCOUNT # XXXX 6 # XXXX ACCOUNT # XXXX 7 # XXXX ACCOUNT # XXXX 8 # XXXX  ACCOUNT # XXXX 9 # XXXX XXXX ACCOUNT # XXXX 10 #  XXXX XXXX  ACCOUNT # XXXX 11 # XXXX ACCOUNT # XXXX 12 # XXXX ACCOUNT # XXXX 13 # XXXX XXXX ACCOUNT # XXXX 14 # XXXX ACCOUNT # XXXX
I was reviewing my credit report today and noticed that I had three hard inquiries on my XXXX credit report in the year of XX/XX/XXXX. These 3 hard inquiries took place on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all made by CBNA. I only have one secured credit card and was applied for well before these dates. It is hard to believe I had two hard credit checks within two days and one in XXXX without my consent or knowledge. This blemish on my credit report has negatively impacted my credit score and my life.
I received a statement from RevSolve Collection Agency onXX/XX/XXXX for {$60.00} in reference to XXXX Urgent Care Services. I emailed then a notice to validate the alleged debt as I was certain I owed them nothing. I received a statement from ResOlve dated XX/XX/XXXXwith a statement stating I owed {$60.00} and a statement validating that my balance to XXXX Urgent Care is XXXX. This is clearly an attempt by RevSolve to extort {$60.00} out of a unsuspecting person.
I purchased a flight with XXXX and was offered a {$100.00} statement credit for signing up for a Bank of America credit card after making more than {$160.00} in purchases within 90 days. However, after applying for the credit card, the terms changed and Bank of America requests {$500.00} in purchases. The advertisement is false for Bank of America on XXXX website and seems to be changed by an amateur. Anyone can view this ad by reaching the checkout page on XXXX ' site. I have included a screenshot for review. When the customer clicks on the ad, it goes to Bank of America 's application process.
Wells Fargo statement XX/XX/17. I had a total cash advance charge for {$240.00} billed to my signature card. This was for overdraft protection fees from another account. I am being charged at 24.74 % interest. The complaint is there is not a way to pay off the cash advance. I have searched my online account but there is no way to pay it off. I called Wells Fargo and they said there is not an option to pay it off. <P/>This can be a major issue over time because its not upfront - its identified on page 3 of the statement.If any other overdraft charges accumulated then you are stuck with high interest continuing to build until the account is closed.
BofA has mishandled my escrowed property taxes since originating the loan, over and over again, miscalculating reserves, increasing the monthly withholding by about {$1000.00} per month, then decreasing and sending me a check for withholding too much, then failing to pay the taxes and incurring penalties and interest, then increasing the withholding again. I am shocked and appalled by their incompetence, and repeated insistence that I am to blame for their failures. It reminds me of the movie The Rainmaker, just that they have n't called me " XXXX XXXX XXXX ''. The only thing I 'm asking for right now is a refund for the penalties and interest that I incurred, in the amount of {$1300.00}. If they ca n't do this, and my appeals to you and their other regulators come to no avail, I intend to file a claim against them in small claims court, but to add claims for emotional distress and my time up to the maximum allowable.
I was sent several emails by your admission staff that outlining the classes in which I would be required to take in order to obtain my XXXX degree from XXXX. After several adjustments to regarding acceptance of my credits from other colleges, the school and I finally came to an agreement on my courses and I signed a promissory note to attend your school. After I signed the promissory note and started in my first class, I was informed by your staff representative, that XXXX was not going to honor our agreement of courses and that I would be required to take twice as many classes as I had agreed to take in order to obtain my degree. I immediately withdrew from my classes and informed your staff that I would not be attending XXXX for breach of contract and oral agreement and fraudulent misrepresentation. 

Again, I stress I have every email outlining these events. I demanded, at that time, not to be billed and that my student loans not be charged. XXXX has not only billed me for their Breach of Contract and Fraudulent Misrepresentation, but I now have student loan debt, and this has been reported on my credit report damaging and defaming my credit.
Our mortgage is held by Bank of America. We have an amortized loan so the payments are increasing. My wife is not working. I am having a hard time paying mortgage and all other utilities, insurances, food, etc. I was able to receive assistance from Keep Your  Home California, with a principle rate reduction, condition was we had to work with our m ortgage holder for a modification by a certain date . BofA has not been helpful at all. We are assigned a loan counselor to  " help '' us and all they worry about is when we are going to make the mortgage payment. Keep in mind we were n't behind at the time. It seemed as if anything I said, she never heard. Keep Yo ur Home California sent BofA our approval and told them also the stipulations of us receiving help. We rec eive a letter from  BofA a few weeks later saying that we ca n't get a modification from them and the principal reduction through Keep Your Home California. However that is n't correct, the modification is the rate reduction and Keep Your Home California will receive funds on our behalf to pay BofA. When I tried to send a complaint to BofA corporate it was routed to our original loan counselor who in turn contacted Keep Your Home California and told them they could n't get a hold of us, and for us to contact them immediately. We had been trying to get a hold of them the whole time. So now we have a new loan counselor who knows nothing and is only trying to get a payment instead of help us.    We have lived here 17 years, we do not want to lose our home. Please help.
I have received notice from my student lender, Navient, that they are not receiving my payments. My payments are however automatically made from my bank account for years to the previous company, XXXX XXXX, and I have never had a problem. This issue began in the last month when my check was, for the first time, not cashed by Navient. I have tried contacting them through an online form and received no response. I tried calling them at the customer support number on their website, and the number goes into a never ending loop where an actual customer service agent never answers the phone. As I have never been late for a payment, have impeccable credit and now risk an implication on my record due to the company 's own inability to manage its clients, I am filing a complaint in an effort to expedite a resolution. My automatic payment has gone to XXXX XXXX again for my XXXX payment as per the regular monthly schedule, and I fear it will also not be collected. In the absence of a conversation with Navient I am however unable to resolve this issue and therefore require assistance.
I had an automatic payment checking ( XXXX ) account that I closed months ago. I have used this account to pay ALL my bills including OCWEN. As it turns out, OCWEN is the only company I am having a problem with since I closed my checking account. OCWEN computer software is outdated. It keeps trying to collect my mortgage payments even though my checking account has been closed for months. They keep charging me late fees even though I am making payments from a different account ON TIME. In fact, I can not longer make payments through their system since my account has been " late '' so many times. Because of this, I am now mandated to make payments in certified funds ... which I also have to paid extra fees! I am a very busy professional with a challenging schedule and these events are really creating a large amount of pain and suffering. All of these due to their incompetence and inability to solve the problem even though I have called several times!
I received notice from my attorney XXXX XXXX XXXX on XX/XX/2016 informing me that my mortgage lender Regions Bank dba regions Mortgage has declined the short sale offer presented to them by XXXX stating there is not enough time to review for short sale due to the foreclosure date set for XXXX/XXXX/16 and that they require an offer within 35 days of a scheduled foreclosure to proceed. Regions has also declined XXXX 's postponement requests and will not reopen the file. I believe that Regions has been unreasonable in rejecting a verified binding short-sale offer simply because they do n't have sufficient time to review the offer. The buyer has already conducted a thorough inspection of my property and home. I am desperate for help and do n't know have any remaining viable recourse to stop the XXXX/XXXX/16 foreclosure. I am in this position due to divorce and have been working diligently through XXXX to complete a short sale. I do n't believe in filing for bankruptcy and I do n't have the money required for reinstatement of my mortgage loan even if I liquidate my 401K. According to my attorney Regions is not doing what the government says the lenders should to provide foreclosure alternatives to homeowners. Please help!
I have already filed one complaint with you # XXXX - so details are there. You closed it. An internal audit conducted by Wells Fargo, a company that has been convicted of major crimes, should have never happened. It should have been an outside group doing the audit. We keep saying they are not applying our extra principal correctly ( see attached ) and are asking for an outside group to audit our bi-weekly payments and how they are applied. The extra {$430.00} we pay each month should IMMEDIATELY be applied to principal, and that is not happening, costing us lots of interest and longer in payments. In fact. on the attached pages, which I printed off of WF site, it's not even showing that - if you check each month to month balance on the sheet ( for example - take balance at beginning and ending of month, credit is only a little more than the 'monthly payment of {$1200.00} ). We are paying {$950.00} bi-weekly ( so {$1700.00} every 4 weeks ). We want an outside firm to audit all paperwork ( if you need more, I can provide, or you can ask them ). It's very clear from this brief summary, it's not being applied correctly.
They are reporting an account that I am unfamiliar with. I have written in and requested information, they say my request are duplicated but still have answered the original request for information. This is not my account, and I am not sure why they are reporting it.
I owed XXXX to American Express. On XX/XX/2015 I wired XXXX to settle the account. the law firm accepted the settlement and forwarded the funds to American Express. The payment posted and a few days later Amex sent me a bill for XXXX due XX/XX/2015. Their online system still reports that I currently owe them XXXX and that amount is reporting to all XXXX credit bureaus. I have disputed with all three and Amex confirmed to them I still owe the money. I have called Amex multiple times and every time a get a different answer. They said the account has been settled but their system wont show it for 60 days? Am I going to get a late payment reported to my credit report on XX/XX/XXXX? How come I was sent a bill and why is it reporting to the credit bureau incorrectly? I have a job renewal that requires a credit report and I was told to have this account settled, which i did, but can not prove it. The letter from the attorney XXXX office is not complying with what Amex is telling the credit bureau when i dispute it? this is a huge problem for me.
I am writing to request that Equifax update an inaccurate account on my credit report. An investigation was conducted into the inaccuracy of XXXX ( Acount:XXXX ). For some reason your company came back, on XXXX XXXX and reported that a paid closed account was 90 days late as of XX/XX/XXXX. How can an account that was paid in full as of XX/XX/XXXX be 90 days late as of XX/XX/XXXX? That is both negligent and impossible. This negligence has caused my credit score to drop dramatically, as it looks like I have a recent late when in fact I DO NOT. I contacted XXXX in order to conduct my own investigation. Attached, you will find a letter that clearly states that the account is closed and that ALL inaccurate delinquent reporting has been removed, and replaced with ALL on time payments. 

They also stated that they sent you and updated on XX/XX/XXXX. Please review the attached letter, and update this account. I will be monitoring this closely, as this should take no longer than 15 days to correct.
I opened an AARP CHASE Visa credit card account and wanted to set up e mail notification of when my balance is due and when payment has been received. When I went on CHASE 's site there was a message that this already had been done. Knowing that I had not set this up I phoned CHASE 's XXXX number customer assistance. I was told the conversation would be recorded and replied that that was acceptable as along as I could record the conversation too. The customer service representative told me CHASE does not give customers consent to record. My response was that I do not give CHASE permission to record and was told without my giving this permission she could not speak with me. I wrote to XXXX XXXX, Chairman and CEO of JP Morgan CHASE and detailed the problem. I received back a letter from the Executive office stating " We do not give customers consent to record ''. The letter also stated " Chase did not CREATE a username, password, or online profile for your AARP account ''. The letter stated the profile was established in XX/XX/XXXX when I took out an auto loan with CHASE. CHASE 's records show that this account was logged into in XX/XX/XXXX. CHASE states " as a convenience to customers and for ease of use, all new accounts for our customers are automatically linked to their preexisting online profile. When the AARP credit card account was opened, it was automatically linked to my preexisting online profile. '' It would have been extremely helpful if CHASE had notified me by e mail that this had been set up. In all of my transactions with credit card companies none have done this all of my accounts are independent and established by me. Upon contacting CHASE 's executive office and requesting to speak with the individual that sent the letter I was told CHASE was recording and I could not. This matter is not yet resolved and my e mail notification with CHASE has not been established.
XXXX  Experian and  XXXX . I would like to see my credit updated correctly. Tax lien remove, no scores decline after sub mit Dispute and Inquiry sto p going into my credit report.
I never authorized these companies to do a credit report on me one of them is saying I owe money that I never authorized them to do
There are 5 accounts with the US Department of ED that are showing on my credit report. These accounts have been closed for some time. 

They are showing missing payments from XX/XX/, XX/XX/ and XX/XX/ There was any agreement made and these payments were made up.
On XX/XX/XXXX XXXX pulled my credit report for a loan for someone using my name to apply for a home loan. On XX/XX/XXXX I filed a Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and I reported everything right away to all three credit companys, XXXX, XXXX, XXXX,. A alert was suppose to be put on my credit reports for 90 days. From XX/XX/XXXX to XX/XX/XXXX. However who ever is using my social security number has been still trying to get credit in my name. I spoke to ( XXXX ) and they could not release information because some of the information did not match what I was explaining to them. However they still put a Hard Iinquiry on my XXXX credit report. on XX/XX/XXXX they also put a hard inquiry on my XXXX credit report. As of today I have contacted Social Security Admis, and have a appt to get a new social security number as, this is getting out of hand. This is a ongoing investagation.
I have a collection company ( Amcol Systems Inc ) who appears to have purchased medical bill debts from many years ago that was paid through health insurance ( XXXX ). They just started reporting to the bureaus XX/XX/XXXX and plan to continue reporting until XX/XX/XXXX. I have attempted to reason with Amcol and explain to them that the information they have is incorrect and when that did n't work I disputed it with XXXX and XXXX. They both came back saying that it meets the requirements of FCRA. I am working very hard to repair my credit and this is having a very drastic effect on my life. Please help me as I have run out of options. Thank you in advance.