WillisBack/dataset-financial-user-claim huggingface dataset:
Someone stole money from accounts at both   XXXX    XXXX   XXXX  an d Wells Fargo Wac hovia Bank. I want to know how to qualify to get money back, There have been  XXXX  Civil Suits about both banks. There are several mistakes about the banks statements  XXXX  about wells fargo is they charge me several nsf fees after they stole the money if you look at the statement they stole the  XXXX  then charge me  XXXX  of bank charges .then they stole from   XXXX   XXXX   XXXX   on  XX/XX/2011    and when i went to bank and got money on  XX/XX/2011    that is not on there the the have the balance incorrect on  XXXX  balance is  XXXX  then on  XX/XX/2011    balance is  XXXX  which is incorrect they have it backwards. There was just a class action law suit file on wells fargo and i should have been  XXXX  of the people to qualify top get money back. why dont people look in the data base to see how many people have had claims file against these banks to stop this from happening there is someone who also got credit cards in my name and a house mortgage on my credit report.
When I was in the military I took out a loan with omni Financial. I filled out all the paperwork and I also had XXXX insurance on the loan I payed the loan for years and refinanced several times and never been late. I got severely hurt in the military and became XXXX when I was XXXX I told omni they sent me a XXXX letter to fill out and send to the insurance company so they could dis charge my debt. When I called to get help with filling out the paperwork the representative told me I did not have insurance and she did not why the other rep gave me that info I explained to her that I get Inuance on all my debts because I 'm a XXXX and at any point any thing can happen to me. I was very upset because I paid all this mo ey every month and never late plus I p a I 'd extra for the insurance for them to tell me that I dI 'd not have it to make a long story short I pleaded with them I told them that I did not k ow when my va XXXX payments would kick in could they at least lower my payment of XXXX a month they told me no I paid as long as I could and then I had no more out of my savings to pay I am big on my credit and I always pay what I owe but the fact that I been payi g for XXXX insurance I feel that they did me an injustice I paid more than 150 percent Interest on a XXXX dollar loan they took my money and messed up my good name and credit I spent 14 years defending my country just to lose my ability to walk and my good credit history and good name I feel I been ripped off and robbed.
I applied for the removal of PMI and was rejected. My LTV is below 78 % and feel it should be removed, as long as payments are current.
Diversified Consultants has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Diversified Consultants provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Diversified Consultants has failed to provide any original copies of verification obligating myself to this debt. Since Diversified Consultants has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies.
On XXXX I went to XXXX XXXX located in XXXX TX to purchase a vehicle. I purchased the 2017 XXXX XXXX vehicle and it was financed through Wells Fargo in the amount of {$20000.00} at 5.09 % interest rate. After I purchased the vehicle a few weeks later I contacted Wells Fargo to go over the invoice that the dealership had submitted to them sine I didn't get a welcome call from Wells Fargo. I was informed by the agent that the dealership added a Luggage Rack, Tow Package and Fixed Running Boards to the amount of my loan. I informed the agent that I did not have these options on my vehicle. He stated that if I didn't have these options than the amount that was financed is incorrect, it should have been less. I was instructed to contact Wells Fargo ECR dept which I did. The agent went over the invoice again and I again told the agent that I did not have these options. The agent stated a case would be opened and not to contact the dealership as they would do so. And if I had pictures of my vehicle to email them to XXXX which I did send the pictures. Around XX/XX/XXXX I called Wells Fargo to make sure the pictures were received. I was told no however, I needed to speak with my assigned rep by the name of XXXX. I spoke to XXXX and she confirmed that they did not receive my pictures and to email them to her personal email address which again I sent the pictures of the vehicle. I received a letter dated XX/XX/XXXX stating that my concerns were being researched and that I should receive an answer on or before XX/XX/XXXX as my first payment to Wells Fargo was due on the XX/XX/XXXX. 

I have paid my monthly payment however, I have not heard back from Wells Fargo. I have emailed them and left messages. I am paying for items that I do not have on my vehicle and Wells Fargo is benefiting from the deception of the dealership. I've asked that the loan in the amount of {$20000.00} be re-calculated at the correct amount for the correct features of my vehicle however, nothing has been done. My monthly payment would be less had the dealer not committed this fraudulent act. I also believe that the dealership inflated the price of the vehicle by added work for tinted windows. I was told by the salesperson that the tinted windows were something that the dealership added to the vehicle, and that this was an option that couldn't be removed. I later checked and found out that tinted windows aka privacy windows is a standard feature for the trim level of my vehicle. I am sure that I'm not the first customer that this has happened too. I am told that this happens all the time ; that dealers inflate the cost of the deal then push it to the financial institutions who are aware that this goes on and they only do something when the vehicle is repo 'd and they are attempting to sell the vehicle. They then go after the dealership for the money that was charged for the non existing equipment. I do not feel that this is a fair practice and it is very deceptive to the consumers.
In XX/XX/XXXX and again in XX/XX/XXXX Portfolio Recovery called me at XXXX XXXX, call my work after I told them no, and said I would get sue for fraud if I didn't pay a debt.
SYNCB, has continue to report outdated information to all three credit bureaus. XXXX accounts : Chevron, Lowes, Mervyns, Old Navy, Sams, & Walmart were closed for delinquency and enrolled in a hardship repayment plan XX/XX/XXXX but when I filed bankruptcy XX/XX/XXXX, SYNCB charged off the delinquent accounts XX/XX/XXXX. I continuously request removal of these accounts because they are outdated, but the ceditor continues to report the inaccurate, incomplete and unverifiable information.
PNC BANK, N. AXXXX XXXX XXXX, XXXX ) Lates : XXXX : XXXX, XXXX, ; XXXX : XXXX, XXXX, XXXX, XXXX. 
It was agreed that these late dates were incorrect and that they were to be removed and the account was to be closed.
I have called since the begin of last year.    XXXX / XXXX /  XXXX   was first call to them.   I have called at least once a month to this comapny.   I have sent certified mail to this company was sent back.   I have email at least  XXXX  different email address.   I have a attorney contacted them still nothing.   This debit is not mine. I have ask numerous time to have this resolved.
I recently checked my credit report and saw that I had a {$7200.00} collection with a company called XXXX XXXX. I have never had any accounts with this company and I feel they are fraudulently trying to collect this money from me. I do not owe this money and it must be some kind of mistake or fraud. In addition to this balance being removed from my credit report, I want this account discharged from XXXX XXXX.
Although the Fedloan Servicing website gives instruction on targeting payments to allow extra payments to be applied to loans with high balances saving the consumer XXXX of dollars, they failed to acknowledge or apply the written request. I utilized the sample student loan payment request online and by mail and this information was ignored while these extra payments were split among all loans. When calling Fedloan Servicing they stated they could not target loans based on the instructional letter I would need to sign up to allow them to auto debit my payments or call monthly to make payments. This is not the information which is described.
XX/XX/, 2018 Like to link checking account to XXXX. Error saying my bank, TDBank, will not allow outside application access.
My husband and I took out a loan for our daughter to attend a private high school though AES/NCT. My husband I split up and it went into default. As of XXXX 2015 it was paid in full. XXXX XXXX has taken it off the credit report but it is still on the other reports. I have called AES ( American Education Services ) several times and have contacted the credit bureaus. The credit bureaus tell me AES needs to remove it and AES tells me they no longer own it so they wo n't remove it. I have disputed this several times with the credit bureaus, each time they tell me AES states that I am still responsible. As this has been settled through a third party ( XXXX XXXX XXXX XXXX. ), how do I have this negative reporting removed since this account has been settled?.
I became a victim of identity theft during the beginning of XXXX 2014. My drivers license, XXXX 's and personal information was taken from my mail box. As a result I reported this information to the IRS immediately. The IRS gave me steps to take which included contacting all XXXX credit bureau 's to add fraud alerts to each credit agency and to freeze my credit due to identity theft. These steps were taken with each credit agency. This became a problem because the credit agency 's still allowed individuals access to MY CREDIT REPORT in which they added an enormous amount of fraudulent information. I stressed to the credit bureau 's not to let anyone into my credit report without a pin but I was told that someone had called pretending to me, so the credit agency 's gave him a pin which allowed them to add more fraudulent information. I will have to go through disputing items on my credit reports repeatedly. My credit reports started turning into open books of fraudulent information that was totally unrecognizable to me. The credit bureau 's would promise to fix everything and not to contact anyone about this, but it did n't happen. The last time I saw my credit reports were in XXXX 2014 because the information on them was fraudulent. My CREDIT SCORE at one point were in the XXXX and in XXXX 2014 they were extremely low. People still continue to go into my credit reports and report fraudulent information.
For XXXX months I have been trying to access my OneWest on-line account to make a payment. I was locked out of the account and OneWest will not assist with helping to re-set the passwords! I 've called, and made requests in writing, to no avail. I 'm now sending payments based on my recollection of what past payments have been, and am unable to view the account to see if those payments are over or under the amount due. My last payment of {$800.00} was sent on XXXX XXXX, which should have been more than enough to cover what was due. On XXXX XXXX I see a XXXX days past due ' come up on my credit report!! Unacceptable and to my detriment because of their poor customer service. What is my recourse and how do I get this OFF my credit report??
2nd complaint against this servicer in past week. This complaint is different than the first. The company has failed to pay my county property tax which was due 4 weeks ago, yet have other {$3000.00} in escrow account.
i have just received a copy of my credit report, it states that I had a judgment against me in XX/XX/2014. I do not know how I got this judgement against me as I was never given a notice to appear in court.
I am no longer able to log in to see what I owe, when I owe it by, what the interest is, or access my account at all. This occurred ever since ACS became Conduent. I am in the dark.It keeps saying that " there is no data for the social security number entered ''
If you think that American Express will help you when a business cheats, think again. I had an Amex card for decades but when I had a problem with a car rental overcharge earlier this year it was the merchant that Amex supported. The company was XXXX in XXXX. I had a confirmed reservation with a price of {$180.00}. That price included, itemized {$65.00} in fees and taxes. When I returned the car the XXXX agent claimed there was accident damage. That was not true and what he referred to was a loose panel under the front bumper. It was noted on the inspection slip when picking the car up. When the statement arrived XXXX had charged {$370.00}. I filed a dispute with Amex. Then contacted XXXX and XXXX claimed the additional was for fees and taxes. When I pointed out that of the original {$180.00} {$65.00} was already added for fees and taxes and that it would be absurd for a rental charge of {$110.00} to have fees and taxes totaling {$260.00}. This went back and forth over several months and Amex just supported XXXX. I decided it was simply not worth more of my time and gave up, but not before closing out my American Express account. All the details are posted at : http : XXXX XXXX XXXX XXXX   XXXX.
XXXX XXXX child support opened a case against me in XXXX when they started taking child support out of my checks. I was then XXXX in XXXX and they continued to take child support I was never late or ever sent into collections. I still have a charge off on this account on my credit report the case was closed in XXXX of XXXX an report was added to the credit report in XXXX of XXXX due to my child turning XXXX and no longer pay child support but still shows as a disputed on my credit report. I contacted child support enforcement which is listed as the creditor on the report. They stated I would have to contact the credit reporter to have this removed. I have a letter from Social Security Administration stating we no longer take payments out of me for child support due to the court sent an order to stop withholding. I would appreciate this being remove from my credit report due to its negative effect on my credit standings. I
The company called my cell phone. They did not identify themselves as a debt collector, or that the call was regarding the collection of a debt. 

They said that it was a legal matter that was attached to my social security number, and that they were going to be taking it in front of a judge in XXXX XXXX, FL, where they claimed they were at. He also claimed that XXXX XXXX, was working with them, and that was why they could send out police here in WA. XXXX XXXX threatened to have the police come out to our house, and that I would end up with a felony on my record. 

When we tried to inform XXXX XXXX not to call us anymore, and that he could send us anything he liked via XXXX Mail, he repeatedly talked over us, and began to yell. At this point we hung up on him. He then proceeded to call back XXXX additional times, and continued being belligerent, yelling and at one point he told someone " they do n't know what they did, she 'll end up with a felony ''. He seemed to be speaking to someone else where he was and had n't realized that the phone had been answered. 

We called them back, to get specific information on exactly what account and who the account was with. When they answered the phone they made it seem like we had reached some type of law firm. We were then transferred to someone who claimed to be a supervisor. Her name was XXXX and she said her badge id was # XXXX. XXXX XXXX said the debt was from Household finance, while XXXX said it was from XXXX XXXX, from 2005. No account numbers were given. 

When I informed XXXX that I was not working, and that we did n't have any money, she said " Well your husband can pay for it. '' When informed that he is on XXXX, she said " Well we are not trying to go after someone 's social security. '' Then she asked us about how we paid our rent, and when told we were moving, she then hung up, without " goodbye '' or anything. 

This debt does NOT appear on my credit report, and I haven't't used the name XXXX since 2005 XXXX when I was divorced.
My wife and I live in XXXX XXXX and received a pre-approval letter from SOFI after a full financial underwriting. Amazingly in this extremely tight market, we found a home we loved, could afford and the seller agreed to our offer. While under contract, SOFI was a  total disaster. 

The home was a condo in a 2 unit building with a very informal monthly HOA that paid taxes and water bills only. SOFI decided they didn't want to lend on this type of HOA but they could never tell us what their actual requirements were. They changed their requirements multiple times over multiple days. These types of informal setups between 2 owners are extremely common in SF. The Sellers who were amazing offered to fund a large reserve to get SOFI comfortable. 

After days of back and forth, with stories that changed daily and absolutely no clarity or flexibility, we fell out of contract and lost the home to another buyer. The mortgage agent was non-communicative and rude in the end. In addition to deciding late int he process that they wouldn't allow a reserve to be funded in anticipation of this sale, SOFI also  decided they wouldn't lend unless there was a restriction against the ability to rent in the condo CCRs. I believe they just kept adding rules because they had no idea what they were doing.
At XXXX a year and very little bills, not understanding denial reason of excessive obligations in relation to income. Typical reason reserved for minorities.
Navient called an ex boyfriend from 8 years ago and left him a voicemail with my name and that I was late on my payment. His contact information is not linked to my account and never was. I feel as if this is harassment.
I received a letter dated XXXX XXXX, XXXX from Ocwen Loan Services , LLC ( Unique ID No. XXXX ) asking to provide proof of homeowners insurance on a property I purchased in XX/XX/XXXX. Ocwen owns my mortgage since XX/XX/XXXX or XX/XX/XXXX. The property located in Florida is a townhome in a condominium. We 've always had condo insurance which is responsible for any damage up to " unfinished walls '' meaning that kitchen and bathroom cabinets, wall finishing, flooring, stairs, etc. are not covered. Since XX/XX/XXXX the certificate of insurance issued by the condo association insurance company was enough for the different owners of my mortgage including Ocwen in the last XXXX years. I called the condo insurance company asking to submit to Ocwen the XX/XX/XXXX-XX/XX/XXXX certificate. When I called Ocwen last week to check if they had received the certificate, Ocwen confirmed that they had but that they were asking for additional insurance to cover any additional cost finishing the walls, etc. I asked them to explain why Ocwen had decided to start requesting for additional insurance when for many years the certificate of insurance from the condo association was enough. I was left waiting for a supervisor for more than XXXX minutes until the representative got back to the phone to tell me that someone will call me later. This new requirement is an additional financial burden placed upon me despite the fact that I have never being late with my mortgage payment even when my property was under water. 
My questions to you are the following : 1 ) Can Ocwen decide to up the insurance requirement from what has been sufficient for many years without a new law backing their decision? 
2 ) Can Ocwen purchase this additional insurance without given me enough time to inquiry about the validity of their request? 
I thank you in advance your kind attention to this complaint and prompt response. 
XXXX
I have loans with NJClass, a lender based in NJ that financed the bulk of my undergraduate student loans. After completing graduate school this XXXX, I had to ask them to defer my monthly payments that were to start right after graduation until I found a job. The only option NJClass offers is interest only quarterly payments. I was not told how frequent these payments needed to be made, they told me they could not give me an estimate regarding the amount to be paid, anything. On XXXX XXXX, I received a letter asking for $ XXXX to be paid in under a week. I called them stating it was unreasonable to give me such short notice and they explained I had no options but to pay or default. My father was able to work out an extension with them after hours on the phone. Today I called NJClass to tell them I needed to change my address. I also told them I had a statement I received a month ago saying my monthly payments would start in XXXX and wanted to confirm that that was due XXXX XXXX. The representative confirmed but then added I had another interst only payment due XXXX XXXX. I informed her I have yet to receive a bill and asked why I had a bill for something due XXXX XXXX, but not for something due at the end of the current month. She could n't answer. Next I asked her how much this payment due at the XXXX would be. She said she was n't sure. I asked if I could talk to someone with more definite answers and she said there was no one. I said goodbye and called back to try to get someone else on the phone. The person from the beginning of the call was very defensive and rude and could n't seem to understand anything I was saying. I explained the situation about the interest payment and she said told me it was indeed due on the XXXX and she was n't sure why a bill had n't been sent. I asked her what the amount would be. She said it would be $ XXXX. I explained that it is XXXX XXXX, and if they are so firm about it being due on the XXXX, why was a statement never sent. She said a bill would be sent to me now and that the number was firm. There is no way I can pay this on such short notice. PLEASE look into NJClass. They offer no rehabilitation for defaulted borrowers, no repayment plans for those still trying to find work, and do not send adequate communication. I ca n't possibly continue to pay on time if I never even receive the statements or any notice. Their online system currently tells me XXXX different numbers that I may or may not have to pay. It does n't break down my payments and loans. It does n't show how interest is being calculated and does n't even say that a payment is due. PLEASE help. I am not alone in this. It is a dire shame that NJClass is allowed to get away with what they do when I know your agency has looked into other lenders in the past with far more forgivable practices towards its borrowers.
I have been contacted by Barclayard Visa to advise that unless I use my card they will cancel the card. I have not used the card in a year, prior I made a large purchase paid several payments then paid off the card. If they cancel my card for not using it my credit score will be effected in a negative way. So in essence I have been told that I must make a purchase or my credit score will be altered, to me this is fraud. XXXX has used similar strong arm techniques.
Chase Bank closed my Checking Account for no reason. I was never overdrawn. I never bounced a check. Then their Corporate Office tried to tell me that they were freezing the money in my account and would not release my money to me except through a check that they would send me in about 15 business days. This involved my total balance as well as a pay check that had been directly deposited into the account. The letter that I received in the mail warning of the closure that would occur on XX/XX/XXXX was post marked for XX/XX/XXXX and was not received until XX/XX/XXXX I stood firm and got my money out but there are others who are not as strong minded as I am.

I have since learned that this has been happening to people here in California and in other states for many years.
Navient is continuing to call my work number after several times being told this is a business/work number and to stop calling it.