WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a checking account with Wells Fargo Bank for a few months and signed up to their overdraft protection. They charged me overdraft fees that they were not supposed to charge and I already filed a complaint with your department about that issue. After they received your complaint, they removed XXXX of the fees. I immediately told them that I wanted to close my account since I do not want to do business with a bank that charges me fraudulent overdraft fees and they now say that I can not close the account since it has a balance that I owe. To be in good faith and so that my record would n't get affected, I stated to them that I would pay them {$25.00} per month. Now I hear in the news as of today, XXXX/XXXX/15, that there is a class action lawsuit in XXXX XXXX XXXX against Wells Fargo bank for charging overdraft fees and other types of fees to their customers illegally. I called them today and stated that I will discuss the matter with an attorney before making any kind of payments since I feel that the amount/fees they are charging me are also illegal like it states in the lawsuit. They stated to me that if I do not pay the whole balance in full immediately they will close my account and it will affect my records. I want to be able to close the account, not them, and I had already made payment arrangements and they would not allow me to close the account myself. I believe they just want to put all this bad reporting on my record in retaliation since I filed a previous complaint with your department.
I attended  XXXX   XXXX   XXXX   XXXX ,  XXXX  through  XXXX ,  XXXX  and received my Associates in  XXXX   XXXX   XXXX   XXXX  with a GPA of  XXXX . In talking with the recruiter, I feel I was wrongly advised to take on loans which I was not, and would not be after graduation, prepared to repay. When I was nearing graduation, I sought help with the job placement department and was told to wait until my final quarter until I could receive any help. I found the jobs I was offered to be very low in wages, nothing near the advertised salaries for graduates in my field. I was told that  XXXX  had a close relationship with employers, who had several training points that  XXXX  would train us on but upon entering the job market, I realized the technology I was taught was outdated and too broad to be considered useful in the real world.     I owe {$30000.00} in my federal loans. I am not able to pay them back. I am currently in forbearance but my interest continues to accrue. I have paid several  XXXX  dollars in interest in the past  XXXX  years and am not able to keep up with the growing interest, or pay back a significant amount of the principal.     The education I received was incredibly lacking and was catered for the students who were doing the bare minimum. All too often, when asking clarifying questions, the teacher would tell me they did not have the time to answer my question or that the curriculum did n't allow for such depth of knowledge.   In class problem solving was not teaching me the way the technology worked, it was a controlled environment, meant for the laziest of students to find the obvious answers. When I asked the teachers for help with problem solving, I was told to confer with my peers, who were just as unprepared as myself. Our team would tirelessly work to solve the problem, unable to learn the principle. Other students, who chronically misbehaved and underperformed, were given a passing grade for doing much less work. We all received the common denominator level of education. My education was largely the result of my own efforts, reading the text book several times over, doing independent research online on the subjects. In class learning was a very base level education on outdated technologies, and in way too many fields of study. There was not sufficient time to learn any of the topics as the curriculum was constantly moving onto the next field with the very broad " computer and electronics engineering technology '' area of study.            XXXX   XXXX
In XX/XX/XXXX I filed a Chapt XXXX which was dismissed by the courts in XX/XX/XXXX due to a legal issue. I have worked with all XXXX credit agencies and both XXXX and XXXX have reviewed the Federal dismissal notice attached and have deleted this item except Equifax. This is causing me and my family hardship as it is affecting XXXX my son 's student loans that I am trying to help with and also blocking me from being able to choose other avenues to help them with furthering there future educational needs and costs. I was told by more than one Equifax agent that if I purchased Equifax services, then that would help me delete this negative item. The other XXXX credit agencies removed the negative item without asking for any additional payment or service. Why do I have to pay Equifax to remove something that is hurting the future of my family 's education? If they are doing this to me, I ask the CFPB to investigate how many other consumers they are trying to do this to. I am prepared to ask for a Congressional investigation if necessary and also have contacted Senator XXXX office on this subject. I am hopeful this can be resolved without involving other government agencies. The U.S government took exceptional steps to help consumers get back on their feet after the recession of XX/XX/XXXX- Example- Dodd/Frank. This action by Equifax stands in total opposition to what our regulatory commission have been working so hard to fix.
collection agency is attempting to collect a debt that is not mine and I do no owe. I have sent three written requests for documentation verifying the details of the debt, yet no response has been received.
The case was taken to mediation on XX/XX/XXXX and Defendant failed to appear. The case was dismissed per mediators. The Defendant hired another attorney who petitioned the courst several times for judgement. 

The courts original dismissal granted on or about XX/XX/XXXX entered in mediation by which defendant representative failed to appear at the mediation hearing on or about XX/XX/XXXX at which the plaintiff did appear in good faith with intent to mediate. The court sent a notice of dismissal of law suit to defendants and its counsel on or about XX/XX/XXXX. 

The court denied defendants motion for summary judgement on or about XX/XX/XXXX, and the courts second notice of dismissal to the defendants and its counsel on or about XX/XX/XXXX. On XX/XX/XXXX somehow the legal firm was able to overturn the dismissal without my ability to defend or have the court stand by its original mediation dismissal.
I have a XXXX XXXX XXXX. I only owe {$360.00} with {$6000.00} credit limit. I make the payment every month in XXXX XXXX in the Mall. Today I came in to make my payment. I was told my card was invalid and they could n't make the payment. They said the credit account was transferred to XXXX XXXX. I was transferred to them and they no idea who I was. I called XXXX back and they have no idea who has my card and who I make the payment to. I am almost sure this is illegal and I am trapped on who to make the payment to and it is due in 5 days.
To whom it may concern : I attempted in many occasions to settle a debt I had with American express. Whenever I had a verbal agreement and tried to make payments, they cancel the original agreement. 
After many unsuccessful settlements I asked for the last agreement to be in writing. On XX/XX/XXXX I I received a detailed confirmation of the settlement as indicated on the attached copy. I have been making payments on time as per agreement. To my surprise on XX/XX/XXXX I received another letter asking me to pay the entire balance that was the reason of our initial dispute. 
The copy of that letter as well as the payment confirmation are attached to this message. 
Hopping to hear from you very soon. 

Best regards.
XXXX XXXX XXXX XXXX XXXX
is reporting incorrect information on my credit report just because my maiden name was XXXX.. That does not mean this debt belongs to me and I have requested on 3 occasion to have this information removed from Transunion, XXXX and XXXX, these accounts were previously deleted because another collection agency was reporting in error also(XXXX XXXX XXXX) and the debt was not able to be validated because I did not recieve these service, There was an apartment in my name in another city that I am fighting because I did not authorize nor does it match my social so I filed a Identity Theft report with the federal trade commission and REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CREDIT FILE.

COLLECTIONS
XXXX XXXX
Opened XX/XX/XXXX
-
$XXXX
Original creditor: XXXX XXXX
Overview
You've paid off 0% of your collection amount.
Balance
$XXXX 
Highest Balance
$XXXX Opened
XX/XX/XXXX (3 mos)
Account status
Open
Type
--
Responsibility
Individual
Remarks
Consumer disputes - reinvestigation in progress
Original Creditor Name XXXX XXXX
See an error?
You could dispute an error with XXXX.

GO TO XXXX
Creditor Information
XXXX XXXX XXXX XXXX XXXX XXXX
Opened XX/XX/XXXX-
$XXXX Original creditor: XXXX XXXX
Overview
You've paid off 2% of your collection amount.
Balance
$XXXX 
Highest Balance
$XXXX Opened
XX/XX/XXXX (2 mos)
Account status
Open
Type
--
Responsibility
Individual
Remarks
Consumer disputes - reinvestigation in progress
Original Creditor Name XXXX XXXX See an error?
You could dispute an error with XXXX.

GO TO XXXX
Creditor Information
XXXX XXXX XXXX XXXX 
Certified
Opened XX/XX/XXXX
$XX/XX/XXXX
Original creditor: XXXX XXXX XXXX XXXX Overview
You've paid off 0% of your collection amount.
Balance
$XXXX
Highest Balance
$XXXX
OpenedXX/XX/XXXX (4 yrs, 9 mos)
Account status
Open
Type
--
Responsibility
Joint
Remarks
Consumer disputes - reinvestigation in progress
Original Creditor Name
XXXX XXXX XXXX XXXX 
See an error?
You could dispute an error with XXXX 

GO TO XXXX
Creditor Information
XXXX XXXX XXXX

the collection agency said he did receive my identity theft report from the federal trade commission see email
On Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX  wrote:


I got it.

Thank you,
XXXX XXXX XXXX Collection Manager
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

This is an attempt to collect a debt and any information obtained will be used for that purpose.

This message and its attachments may contain confidential and/or legally-sensitive information that is intended for the sole use of the addressee(s). Any unauthorized review, use, disclosure, or distribution of the information contained in this message and its attachments is prohibited. If you have received this message or any of its attachments in error, please destroy all originals and copies of the same and notify the sender immediately.


-----Original Message-----
From: XXXX XXXX  [XXXX] 
Sent: Wednesday, XX/XX/XXXX XXXX XXXX
To: XXXX XXXX XXXX XXXX XXXX 
Subject: RE: Out of Office Alert

Please acknowledge you received my fax
I recently submitted a complaint against CIT complaint number XXXX and the company got back to me with a response that stated a deed of trust that was in question still stands and we owed a balance of XXXX. After conducting my own research I discovered that the deed of trust had a maturity date of XXXX XXXX, XXXX and under Nevada law, XXXX XXXX, the expiration date is ten years after the maturity date which would have been XXXX XXXX, XXXX. The company should have released this deed in XXXX and did not. Instead they are still stating the money is still owed.
All 3 credit reporting companies have not removed very old debt from my report ... I hired places to resolve this but to no avail .. all old debt is more than 7 yrs old and affecting my life ... thank you
I found a {$59.00} request for collection on my credit report from a company called Mercantile Adjustment to collect on behalf of XXXX XXXX. I called XXXX XXXX and they could not find any record or reason anything would go to a debt collector ( I called again and their " systems were down '' ). I called Mercantile Adjustment to get the account number they are referencing and I was told it was at a " Special Desk '' and they could n't access any information on it. They could not even look it up or get me the XXXX XXXX Account Number. I should not have to spend hours getting rid of a false debt collection for {$59.00} on my perfect credit record. When I called XXXX XXXX again and gave them the address ( which I found on the credit report ), they finally found the account and agreed that they never sent me an invoice and that I was never notified about it. They said if I do n't agree with the charge, I must fill out paperwork, etc. to dispute it. I said it would just be cheaper for me if I just pay it, since I do n't have the time to spend on the dispute. They told me I need to call the collection agency and pay it there ( even though they ca n't access it ). I then asked to speak with a supervisor, where I had to wait on hold for over 10 minutes. Then the supervisor said she is going to keep this as a late payment on my credit report, because it was an old charge. I told her that I never opened an account with them for it, and I never received an invoice, so how can it be late? She then put me on hold for another 10 minutes. Finally, she let me make a payment for it ( even though I do n't even think I owe it ), which I did. But she says it going to stay on my credit report because in her opinion she thinks that I am " late ''. I believe this to be unfair/illegal collection efforts and improper use of credit reporting practices.
I 've been stuck in this modification XXXX with my for several years now. Last time I applied for a modification was on XXXX XXXX. I have submitted every document that they have requested yet no results have come out of it. just two weeks ago, my company requested some more information which I provided promptly. My current manager went on vacation and my servicer decided to start a foreclosure process on the property even though I am in a review for modification. California homeowner 's Bill of Rights strictly prohibits dual track process. The law says it that bank can not review for the modification while starting the process and filing a notice of default. My lender has broken the law. 

Wells Fargo Bank also continues to ask develop the same information over and over and over again. I have provided RMA and other requested information at least five in the last three months. however, the done nothing but ignored it and send me letters requesting it again.
I noticed this on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, XXXX send by XXXX with proof, attached ). They have different names listed with the same address. It is listed under XXXX as. XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX. Listed under XXXX as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. Listed under transuion as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI, XXXX They have failed to validate over and over. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. I contacted the XXXX credit reporting agencies. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I have also requested this information before and they failed to respond
There are three inquiries on Experian that were fraudulently done. I went on XXXX and file an Identity Theft Report. FTC report number XXXX
Following is a copy of a letter ( personal info removed ) I have been trying unsuccessfully to get a response from HUD or some oversight institution : XXXX XXXXTo Whom It May Concern : First, thank you to anyone who may be able to help regarding my issue with HUD and a reverse mortgage application, I believe has been erroneously viewed and considered by One Reverse Mortgage. 
For more than a month, I have been trying to find a person or department of HUD with oversight over the reverse mortgage program. Return calls from HUD or various sub-offices where I was referred took two weeks to two days. Still it is unclear if and where I may appeal or get better clarification on a specific HUD regulation sited. 
Please assist or direct me to that exact person who has such authority and expertise. I believe I am totally justified in questioning how One Reverse Mortgage handled my application and the process, which began in XXXX. 
After more than two months and many man-hours of detailed work related to my case - out of the blue - I was told my condominium building did not qualify, because of some " found '' language allowing for 30-day rentals. 
Quickly I disputed this fact, forwarding the entire by-laws of our condo association, along with the separate specific excerpt citing that our building did NOT allow for 30-day rentals. " No residential unit shall be rented for transient or hotel purposes or in any event for an initial period of less than six months. '' This language was exactly what was necessary to show that the underwriter was incorrect in assessing my condo building. I still have no idea where that underwriter picked-up that 30-day language in the first place. Nobody would ever provide proof of that. 
As explained, I sent proof on my part - XX/XX/XXXX - more than one month ago. However, One Reverse Mortgage would not budge and terminated my application " cold ''. No amount of phone conversations or e-mails could sway anyone to re-open my case. I even forwarded the on-line HUD approval list which shows my building as approved until XX/XX/XXXX! 
There are more details I am happy to provide, but this is a summary of what transpired in the past month ( not including all the various HUD related offices I tried to contact ). I am so disappointed in the entire process. I spent the whole summer focused on securing much needed finances for a beloved project, thinking I was proceeding in the right direction and moving quickly at every step. Now I have nothing to show for my efforts and actually find myself in a worse position than when I began in XXXX. 
Suspicions are definitely creeping into my thoughts about reverse mortgages and their true worth. Sadly there may be elderly people who need support more than I. At least I am still an active and willing member of the country 's workforce - with the means to pay my taxes and insurance. 
Please please advise!
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you. Also got a document from equifax that said it was not on my credi treport then i pulled on XXXX and its there.???
I use several credit monitoring services and last month I noticed my hard inquiries were removed from Transunion report. They have now been added back on my credit report. I have not received any notification in writing and I would like the inquiries removed. I tried to call Transunion and after the reps put me on hold for an hour, they then tell me they ca n't help me and hang up the phone.
My name is XXXX XXXX and have my current mortgage with Wells Fargo Home Mortgage. My parents co-signed for my mortgage with the intentions that I would refinance in a couple of years to have the mortgage placed in my name. How dare the underwriter ask me to write a letter as to why my parents are being removed. Wells Fargo currently holds my mortgage and it has excellent payment history. I am trying to refinance my FHA loan with the Wells Fargo Home Mortgage Office in XXXX, WV. Their address is XXXX XXXX XXXX, XXXX, WV XXXX and the loan officer 's name is XXXX XXXX and the processor 's name is XXXX XXXX. 

I have been put through such a horrible ordeal. It has been well over 3 months and I have yet to receive anything in writing whether the loan was approved or suspended. All I continue to get is a phone call from the LO or processor asking for more documentation the underwriter is asking for. I 've even had to quote FHA guidelines to them because they were asking for things that were not required. Wells Fargo is in violation of providing a written loan disposition. 

The last straw was when I received another phone call from the loan officer last week stating that I will need to obtain a credit supplement for my student loans. I am on an income based loan repayment and gave this to the loan officer and processor in XXXX!!! Now they ask for it again? They drag the process out and documents expire so they will ask for more documentation. I have provided everything they asked for within 24 hours only to be told I need to provide something else. They also asked me many weeks ago to get a gift letter in order to have reserves. Yet, here I wait with no answer for three months. I have done everything they have asked. 

I placed a call yesterday to the loan officer and processor for the name of a supervisor that I could speak with to get some results. The loan officer stated he did n't know who that was as he was not in the office, the processor stated she could n't reach him and was working on it. It has been 24 hours and I still have not heard from them as to who the supervisor is I can speak with. 

This is n't the first complaint I 've heard about Wells Fargo Home Mortgage. A friend of mine who is selling her home in Florida and her buyers were going through Wells Fargo after 4 long months of the same thing, dragging their feet, asking for more stuff, they finally had to pull the loan and it was approved and closed in less than 30 days. Now how is that possible that as big as Wells Fargo is, they can not do things in a timely manner. The stress that I have been put through is causing major health problems for me.
On XX/XX/2016, I submitted a loan modification application to Nationstar. After I submitted my application, I submitted every document Nationstar requested after that submission. This week, I learned that I was denied a modification. The letter denying me a modification only reviewed me for Nationstar 's own Standard Modification. But I should have been reviewed for a HAMP product. While I had a HAMP Tier 1 before, I should have been reviewed for a HAMP Tier 2. The denial makes no mention of my eligibility for HAMP Tier 2 and presumably Nationstar did not review me for a HAMP Tier 2.