WillisBack/dataset-financial-user-claim huggingface dataset:
I have banked with Wells Fargo for the past 8 years until they recently closed my account due to overdraft payments and account mix ups. Apart from being over sold different saving accounts for myself, my wife and even my son I was a happy customer up until the last 6 months. I recently went through a troubled period with my wife that led to me losing my job and also my wife opening her own account to rather than use our shared account at Wells Fargo. Everything came to a head when my wife and I worked things out and she asked Wells Fargo to close the account she had recently set up. Wells Fargo closed our joint account instead which led to problems with paying in funds to our joint account and being able to withdraw any monies that were already in there. From that moment on everything went into a spiral, late fees, missed payments on bills, credit cards and no real help from any of the tellers at my local branch. Eventually the correct account was closed and the other account reopened but the damage had been done. Now there 's a {$700.00} overdraft on the account which Wells Fargo have closed which of course hit my Credit Score hard. There 's also closed Wells Fargo Credit Cards one for {$300.00} and another for {$1500.00} that are all collecting large interest penalties while I try to recover from the mix up. I 'm now back in full time employment and able to take on a reasonable debt repayment program but feel Wells Fargo are partly responsible for the accumulated costs.
Freedom Mortgage continues to delay the processing of our short sale application. We are in month XXXX of our battle with this company. Friday ( XXXX ) I reached out to freedom for an update on the status of our recent appraisal. I was told on the phone that the appraisal company was requesting a new purchase agreement. Freedom never contacted us to let us know there was a paperwork issue. When I inquired what was wrong with our purchase agreement I was first told it was outdated. The agreement is not outdated there is not specific closing date and such listed. I pressed freedom on this and their answer changed. They then said ( during the same friday phone conversation ) that the purchase agreement was incomplete. I double checked with our realtor over the weekend, the agreement is in fact complete and correct. I called Freedom back today ( XXXX ) and spoke with XXXX Still who spoke with underwriting while on the phone with me. Underwriter continued to claim that the purchase agreement was incomplete and that she even tried to " push back '' but the appraiser would n't budge. I called the appraisal company myself ( XXXX XXXX XXXX XXXX and his assistant informed me that Freedom has n't yet sent the document. They sent the addendum but not the full document. Not only that, but XXXX XXXX 's office has requested the document once a week since XXXX XXXX. This is yet again another example of Freedom employees failing to do their job. Freedom has now sat on our paperwork for so long ( one year ) that we have lost our buyers and are facing foreclosure.
Chase Mortgage sent notice of my case specialist, who I attempted to send verification of employment and loss of income.. The case specialist would constantly lose the information I had sent in stating they never received the documents which would include pay stubs, employment information and so forth. I left multiple messages for the case specialist with no returned phone calls. 
I would like my mortgage to be reconsidered for loan modification.
I am filing this complaint because XXXX, XXXX, and Experian, has ignored my request to provide me with the documents with SIGNATURES that their companies have on file that was used to verify these accounts I disputed. Being that they have not adequately verified these accounts under Section 611 ( 5 ) ( a ) of the FCRA -they are required to properly delete all information which can not be verified that I have disputed. Please resolve this matter. Thank you
I have received a second debt collection letter from a second collection agency for an outstanding bill from XXXX. I have never had any service or product from XXXX, and XXXX has never provided service in my state of residence. The latest collection letter from Afni , Inc. is dated XX/XX/2018 for an unpaid bill of {$850.00}, offering a settlement amount of {$550.00}, and also threatening to report this debt to credit bureaus, if not paid in full. I have called Afni, today XX/XX/2018 to inform them that I do not owe money to XXXX, and have never had any type of interaction or service with this company. In speaking with a representative, I was told that the original bill was incurred at an address in Florida, a state of which I have never resided or visited. My main concern is that this is the second collection letter, which I have received for a bill with XXXX, and wanting for these letters to cease. I am a senior citizen, and believe that I am being targeted with these types of letters demanding money, and with threats of having my information sent to credit bureau agencies, which will further ruin my credit. 
I plan on sending a letter to XXXX to insist that, they discontinue using my name and current addresses as a tool to collect unpaid debts.
As noted in the letter CFPB Case No. : XXXX, An offer was made to pay XXXX. However. Im rejecting this offfer on the grounds that I should have never been asked, to assume a debt of XXXX, ther card was issued to me with a debt of XXXX i was coierced into assume the debt by a discover rep who told me that discover would attach a lein on the property that I inherited, my credit report still shows a charge off of XXXX. I recently received a collection letter from XXXX to collect a debt of XXXX If Im offered a settelment to pay XXXX why does my credit report still reflect the the amount of XXXX. Im asking that you remove all references of this from my credit history with all XXXX major credit credit reporting agencies.I will excercise all my rights as a consumer in this matter
XXXX credit reporting agency is not reporting my XXXX credit card account which has a zero   balance. They are also missing information on my XXXX credit card account. I am also complaining because an account XXXX  XXXX XXXX that was previously deleted off my report is appearing again. It is showing as an adverse account. It was deleted now its re-appearing.
I signed up for a checking account that offered {$250.00} bonus after doing XXXX debit card transactions within 60 days.
I fulfilled all the requirements and still have not received the {$250.00} bonus even though the welcome letter I received from Wells Fargo clearly states that I am eligible for the bonus. Since they have failed to meet their part of the advertised requirement, I believe that Wells Fargo is guilty of false advertisement.
they will not work with you on payment. Also I have paid over {$6000.00} over the past three years and this money paid has not touch the principal of the loan at all. I paid {$280.00}. per month for several years and XXXX another year. they are rude and I had it on auto pay and had personal issue and asked the to skip one payment and the stopped it completely and when I called to correct it they said I was several months. I also asked when my auto pay was completely shut off they said I told them too. I said no I did n't and they needed to check the call log they said they would and never got back to me.
I defaulted on a loan and the vehicle was repossessed. Suntrust bank sold it at auction then kept trying to collect the balance owed, approximately $ 20k. I couldnt pay the debt so after time it was turned over to several collections agencies. My husband passed away XX/XX/XXXX and I received a small insurance settlement. Several months after his passing, one of the collections agencies called and offered to settle the debt for $ XXXX. I was having a bad day and unfortunately agreed to settle. I gave them my bank account information and the funds were deducted and used to settle the debt. I never received anything in writing and the only proof of the settlement I have is from my credit report. Then, before filling my taxes for XX/XX/XXXX, I received a XXXX  for the $ XXXX that was written off. No one from the collections agency told me this would happen. Had I known, I would not have settled the debt. In fact, about 6-7 months afterward, I ended up filling for bankruptcy. Had I not settled the debt, I could have included it in the bankruptcy and would not have had to include the settlement on my taxes. Since I never received anything from the collections agency, I dont even know how to contact them to complain, although I doubt it would make any difference even if I did. Is there anything that can now be done?
I am finishing up a XXXX XXXX, ten years after completing my XXXX XXXX. I financed my education entirely through student loans, but made regular payments on them as much as I could between degrees while I worked full time. My loan company is currently billing me while I am in school and said my first payment is due two days after I graduate. I explained that I am a XXXX XXXX XXXX and not working I plan to immediately find a job after I graduate, but did not expect to be getting bills while I was still in school. I asked what my options were, they give me vague answers only and refer me to deferment options I dont qualify for. They take several days to respond to my emails, its never the same person answering them, and they dont answer all my questions. I want to get everything from them in writing because they have given me false information in the past. I dont know if its legal for them to be billing me while still in school, even if my first payment is due two days after I graduate. I havent even completed my exit counseling yet. I asked if they could defer the billing cycle for just one month, because it would make all the difference to me and none to them, and I made regular payments for years, and they did not answer my question or acknowledge my request. They only give automatic sounding responses to my emails and wont answer my specific questions.
IN 2015 escrow analysis the servicer ignored the prelim and actual tax assessment from the township creating large underpayment to escrow. Upon the next year escrow analysis the escrow payment is drastically increased per month due to previous years underpayment. I erroneously made the same payment I was making but within two days made up the difference. The differential payment was made well ahead of the grace period. I continued to get late notices since then because the partial payment was applied to principal and not my monthly payment so my principal has been paid down but I am now considered to be behind by a month. Fortunately I was in a position to withstand this dramatic monthly increase in my payment but even I will be adversely affected if I need to make an extra full mortgagee payment to correct their numerous errors. I brought this to their attention but they responded by ignoring the discussion on the phone where they agreed there was an error on their part.
I am a senior citizen and banking customer for 25 years, I have had my credit card in question for over 15 years without ever any issues. I also maintain an XXXX point credit score. This means nothing to the bank they cancelled my card without any notice, They did say they sent me a notice but I never received one they could have emailed a notice or alert or posted it in my online banking site for me before closing this account. They told me now they could not reinstate it after my request and want me to reapply for a new one, which I refuse to do. I place the blame on the Bank for never notifying me any way by email or through my online banking notice or regular mail. So after not notifying me they just canceled my card. The customer service is very unsatisfactory bellow par and my bank has thrown me out after many years of me being a loyal customer mortgage holder and credit card holder. I am not going to reapply for a new card like I am a new customer. I want my card reinstated or send me a new one with a new number but I 'm not reapplying for a card I owned for 15 years. I will apply at another bank before I do that. 

On XX/XX/17 they sent me an email reply to my complaint as follows Hello XXXX XXXX XXXX Thank you for contacting Regulatory Complaints department of Bank of America. As your Resolution Specialist, I  welcome the opportunity to address your concerns. 

I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this email is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are M-F from XXXX to XXXX Central. 
I appreciate you taking the time to bring this matter to my attention. I look forward to assisting you. 
Thank you, XXXX XXXX Resolution Specialist Bank of America Regulatory Complaints Department XXXX EXT XXXX XXXX XXXXXXXX This number they left to call was unreachable from my calling area when I tried to call it so after more complaints they telephoned and left a message with a different number t to call that would only go to a voicemail that they never returned any messages. 

I was told this matter is closed now and they will not reinstate my card and I am not going to reapply for a card I held for 15 years with never an issue because they closed it. If they reinstate my card and send me a new one I will be satisfied. Now I want to close all my accounts and use a bank that appreciates there customers after a 25 year relationship, and can admit it was there mistake and correct it.
On XXXX XXXX XXXX XXXX, 2017 I went to the XXXX to look up people for a {$1.00} per person fee regarding public records of these individuals. Interference on my cell phone came through by text messaging where the bank asked if I made 3 transactions and check YES or NO regarding each. Two at {$1.00} each was made but the 3rd was not recognizable so I had to say NO and the access to the second persons data I was viewing ended and then I contacted the bank and they said fraud was taking place and they were to close the account. I spoke with the bank they gave me 2 verification # 's where my account was back and up and running and the automated banking service for my account said I had {$230.00} and some cents available and I went to the local XXXX  XXXX store for a {$7.00} purchase and the transaction was declined. I called the next day and my account was not recognizable by the bank and in 5-7 days I am to get a new # and card. Bank of America Visa is my account # XXXX, XXXX. XXXX XXXX, XXXX, Texas XXXX, XXXX.
We went to three different lawyers who told us that we could receive a loan modification. 
We were not behind on our payments when we went to the first lawyer. After paying over {$15000.00}. the lawyer could not be found and his office closed. The Second lawyer reassured us that they could get an approval and they tried to get us to do a short sale and sell to an investor. The third lawyer listed in this complaint is the one who has filed a a bankruptcy to stop the sale of our property. The mistakes that were made because of the advice of the attorneys. We are employed have steady jobs pay our taxes and we want to keep our home. 
We tried to speak to Bayview to work with them, but they put a sale date on our home. 
We want to work directly with Bayview. 
Please help us. Thank You
This is added to complaint number XXXX. Evidently, someone changed my overdraft protection which caused a alleged NSF ( not sufficient funds ). This caused a major problem but I still have n't received notice of this. I do n't believe in consequence, Someone from the IRS at the last minute to deny my tax refund due to the four years use of the Hope Credit. The problem is that I never used the Hope Credit because it does n't apply to me. Due to the NSF my check for rent was n't accepted for XXXX XXXX XXXX and suddenly under time they want to remove me even with funds available. I do n't believe that this fraud can be just happening and you still have n't received an answer from Huntington Bank.
I moved from Colorado to Florida in early XX/XX/XXXX and opened a checking and savings accounts with Suntrust in XXXX XXXX Fl. I deposited a cashier 's check issued by XXXX XXXX XXXX XXXX ( escrow refund ) in the amount of {$3100.00}. I went to Suntrust on XX/XX/XXXX and was told that my account was on hold because the cashier 's check was fraudulent as of today Suntrust is refusing to return my funds. I have talked to several people at the XXXX XXXX bank and had many phone calls with the XXXX TN office and all I'm told is the cashier 's check is fraudulent and I won't be getting mu funds back. This is just wrong. I have also had a number of conversations with XXXX XXXX XXXX ( XXXX ) XXXX, e-mail XXXX. I talked to XXXX XXXX on Friday XX/XX/XXXX and she said the both the fraud and mortgage departments have assured her that the cashie 's cash is good. This has been an up hill battle and Suntrust has done nothing to try and resolve this issue. I was told that there was a note in my file that they contacted XXXX XXXX XXXX and were told the cashier 's check was fraudulent. This is completely untrue. I just want my funds back and any assistance you give me would be appreciated.
HSBC Approved my loan modification for two years. The terms of the modification are being violated for the following reasons:1 - Amount due on statement differs from the agreement. 
2 - Payment funds are not being allocated correctly. Per agreement, {$990.00} should be allocated to principal and interest. Statement shows funds applied toward deferred interest and interest only. 
3 - I have not received an explanation of the Overdue Payment of {$1500.00} for outstanding fees and charges. 
Please see attached documents and let me know if you could assist me. HSBC claims that the statements are automatically generated without taking in consideration the modification agreement. 
Thanks, XXXX XXXX XXXXXXXXXXXX
I am tremendously offended and outraged at Equifax. Recently, I received a credit score from Equifax and it was significantly lower than I expected. Upon further investigation, the credit report I retrieved subsequently revealed significantly lax controls by the credit bureau, as well as some wild assumptions that tie into potential race issues. When I retrieved my credit report, I found out that for some miraculous reason, both my sisters SSNs were linked to my report. In addition, my birthdate apparently is XXXX, when in fact, is XXXX. Unless I 'm mistaken, I would 've thought that an individual is tied to XXXX single SSN, and not XXXX additional SSNs. This unfortunate situation has led me to appear to be responsible for all credit-related accounts that are not mine, including student loans, a delinquent credit card account, and credit inquiries that I never made. In addition, because all of our names have beginning syllables that are identical, that makes it such that I am the same person as my sisters. Although I attempted to self remediate the situation online via Equifax Dispute Resolution, the button will not let me hit submit - it appears that the system makes it that much more difficult to even self-help. I am resorting to notifying the only potential bureau about this issue that can help escalate and resolve this issue. Any institution that has any reasonable controls should 've flagged the very fact that XXXX person is tied to multiple SSNs for further investigation and independently verify the accuracy. This is a failure on the compliance program of Equifax and I am requesting assistance to get an accurate report - do note that other credit reporting agencies ( i.e., XXXX, XXXX ) do n't seem to have this issue. I am attaching both a credit report for XXXX agencies, as well as a word document that I copied and pasted from Equifax 's website ( which would n't let me submit and froze me out ) for further reference of what my specific disputes are. In addition, I am attaching a copy of my passport and my SSN as evidence of what the accurate information should be. 

On a separate matter, I would also be concerned at the sheer fact that I now know the entire credit history of individuals other than myself, and what potential ramifications that has on the privacy of the effected individuals ( regardless of whether or not they are family members ).
NVR mortgage gives free kitchen upgrades to all purchasers of XXXX or XXXX homes that agree to use NVR mortgage and the NVR closing company. the rates and costs are not as good as a mortgage lender but the free stuff is clearly steering under your codes. 

they should be stopped from doing this NVR XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX
I was forced to get go and get my Transunion credit report and their website is very very confusing and in the end I supposedly got signed up for something that costs {$17.00}. Once I saw this I logged into the TransUnion website and tried to find what it was and cancel. But I was unable to. So today I called them and I spoke to a sweet girl that I could barely hear or understand. She did acknowledge the charge and told me I had been signed up for a week trial of some sort that ended up with me getting charged XX/XX/XXXX/mo. 
I was able to tell her I did not want it and she canceled the service. But due to how hard it was to hear and understand her I was unable to get my money back. 
I really dont know what this was for and I would like my money back. All I have is what shows up on my checking account : XXXX XXXX, 2015 TU *TRANSUNION XXXX, CA , US - {$17.00} TransUnion does not allow for contact besides over the telephone and Id rather try to avoid that nightmare.
On XX/XX/XXXX, I talked with Portfolio Recovery about a garnishment issued against me in XXXX. After talking with XXXX @ XXXX XXXX then XXXX @ XXXX XXXX, I found out this was for a debt that was for a XXXX XXXX opened in XX/XX/XXXX and closed in XX/XX/XXXX and was bought by XXXX in XX/XX/XXXX. Balance was {$4700.00} and current balance {$4500.00} with 25 % deduction. Then upon going thru old paperwork, I found a letter from Portfolio Recovery dated XX/XX/XXXX stating that this debt has been investigated and is closing the account with a {$0.00} balance. Still digging I found a court document stating that Portfolio Recovery having received full satisfaction and payment, releases the judgement entered on XX/XX/XXXX for {$2900.00}. According to XXXX XXXX, I was only an AUTHORIZED USER and not responsible for this debt.
Our checks are getting declined when written at retail establishments. Funds are in the thousands and checks are for less than XXXX dollars. XXXX XXXX XXXX says they have not had anyone trying to get information. The retail establishments blame a company called Certegy. i can not speak to a real person at XXXX or find a way to contact them now. Meanwhile my accounts are useless.
I closed my savings and checking account at Key Bank. Both accounts where started in 2013. I did not opt in to overdraft protection. After closing the account, key bank paid debtors I was unaware of in overdraft and charges overdraft fees totaling XXXX They made no attempt to contact me until months later, and where unwilling to work with me at all at a branch. In accordance with the law, I want the charges stricken.