WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Wells Fargo retirement account from my employer for over 9 years. Just recently in XXXX and XXXX I received XXXX e-mails from Wells Fargo. The 1st e-mail has the subject line of " Questions about your new account? Schedule an appointment with a banker, 'my name ' ''. The XXXX has the subject line of " Manage your mortgage online ''. I neither opened up a new bank account nor a mortgage with Wells Fargo. As you can imagine, I was surprised and worried that my information was used inappropriately to open up new accounts with Wells Fargo. After I called them and inquired about it, I was told that I was put on these accounts but they could n't remove me from them and I was n't the primary account holder. They stated that if I wanted to know more I 'd have to go to a branch. Well, after all the news that came out about Wells Fargo and the fake accounts, I went to a branch today. I was now told that these are not my accounts, but rather somebody who shared the same identity and to e-mail their phishing department - which is contrary to what they first told me on the phone, and which I do n't think is the real issue. I am truly concerned that my XXXX XXXX is being used to open fake accounts and I can not do anything about it. Please help!
My XXXX was stolen. There was a loan from TITLE MAX in XXXX, Alabama. The manager, XXXX informed me that all I needed to do was bring the police report and the loan would be satisfied. I DID inform him that the vehicle was at a scrapyard on highway XXXX in XXXX. he said that once they were scrapped TITLE MAX did n't want them. I did as instructed by XXXX. I decided to use the little money i had to get XXXX from police impound ( {$400.00} ) and make necessary repairs to get it running rather than put into another vehicle. Had windshield replaced ( {$200.00} ) XXXX ( {$100.00} ) XXXX ( {$50.00} ) based on XXXX 's word that loan was satisfied. XXXX was no longer worth the cost of repairs plus amount of the loan. AFTER this was done he sent for the truck. There was never any mention of this to me. He NEVER informed me that he could change his mind, just lied to my face. I have pictures of damages to the XXXX, police reports, and will gladly give detective 's name and number for verification. I 've had previous loans with TITLE MAX that have been settled without problems. I 've always made payments in a timely manner. as matter of fact, when vehicle was stolen, I asked XXXX if interest could be stopped and i could work on paying balance of the loan so i wouldnt default on it. He told me that it wasnt necessary. THIS MAN IS DISHONEST AND MADE ME A VICTIM XXXX!!!!
My credit report is showing multiple soft and hard inquires that I don't recognized and I've never had them before and this is badly affecting my credit score.
Entered into a short sale 1 month before the seller declared bankruptcy. A {$170000.00} judgement from default of a business loan. A third lien holder was assigned to the home. After the dust settled and with consent of the sellers we provided a HUD-1 to the bankruptcy trustee to move forward with the sale of the house. The cost of the house {$800000.00}. The HUD-1 represented the payoff to XXXX and XXXX mortgage holders and {$25000.00}. for removal of the lien from the judgment. This appeared to allow the short sale to move forward. Because of the HUD-1 showed funds that would be available for her creditors. The trustee petition the court to hire an attorney, then used our HUD-1 to file an adversary case ( XXXX ) to remove the judgment. After nine months we expected a revised HUD-1 with the trustee as the third party to develop and move forward with the short sale. To everybody 's surprise Nationstar the senior lien holder changed the price of the house and increased it by {$90000.00} which was way out of align with the value of the other homes. Nationstar has around {$750000.00} payoff. You could ask yourself why does n't Nationstar sell the house and just take what 's owed. Four months, after trying to negotiate a sale, we were told that Nationstar is like a bank. Unlike a real bank that requires to have percentage of cash in its reserves Nationstar uses the asset as the reserve. If the house was bought buy the previous seller at {$1000000.00}. the bank looks at its book value and compare is liability. They are {$250000.00} into the money. Immediately this property became a valuable asset to their portfolio. Nationstar uses advances through securitization of servicing agreements. Unlike XXXX and other banks Nationstar business is building a portfolio of performing assets. Nationstar had acquired a lot of properties in the last 2 years. The regulatory agencies have n't caught up. As far as this short sale is concerned Nationstar over stepped by misrepresenting to the Bankruptcy court. What 's in it for me. I am half of the HUD-1 the buyer. Half of that government document is me and Nationstar used it to remove a judgment for their own financial gain. I just wanted to buy the house.
I sent XXXX copy of my account statement from NYS department of social services after XXXX XXXX reported that I was in collections for {$110.00} from XXXX XXXX. The NYS department of social services paid my bill in full when I was laid off several years ago and I have been on a payment plan to repay NYS social services. XXXX XXXX sent me and XXXX  a copy of a computer print out with no record of the payment from NYS Department of social services and it  was not itemized, as I requested. XXXX has not responded to my request to correct this and remove from my report. XXXX took the computer printout submitted by XXXX XXXX to not remove, and when I again, submitted my account statement from NYS department of social services they did not respond and stated to CFPB that there was an unauthorized third party, yet  this remains on my XXXX and Experian reports. XXXX has consumer disputes and Experian does not.
My husband and I refinanced a loan with XXXX XXXX XXXX using Quicken Loans as our new lender. This was a XXXX loan executed in NY. Our closing with Quicken was on XXXX XXXX. I received the updated closing packet from Quicken on XXXX XXXX, two days AFTER the loan closed which meant I had no accurate documents to review that referenced costs. At the closing we were told we owed a check to XXXX XXXX which is an affiliate of Quicken ( apparently Quicken controls the title company and the appraising company on their loans and sends a disclosure for same ) in the amount of {$570.00} for interest which I thought was odd since there should have been enough money available to cover all costs ( and the closing documents we did receive stated we would owe {$160.00} ). We cut this check for {$570.00} at the closing. When I received the proper closing package on XXXX XXXX, two days AFTER the closing, I sat down to prepare a closing statement and realized what went wrong. Also, please note no copies of any checks cut by us or by the lender at the closing were provided. Quicken had used the calculation on the XXXX XXXX XXXX payoff for the final day of interest. So even though the loan closed on XXXX XXXX, they used XXXX XXXX to calculate interest owed. This was not necessary but would not have in and of itself been an issue because XXXX XXXX XXXX would simply refund the overage when reconciling the escrow account. What happened next however was the basis of this complaint. In short, the following transpired : Quicken closed our loan without us having documentation on XXXX XXXX. Quicken considered their loan closed on XXXX XXXX. Our payoff check was not received by XXXX XXXX XXXX until XXXX XXXX. A maximum of TWO days is industry standard for funding a " same day loan '' ; not XXXX. Quicken 's process took eight days to get a payoff check to our prior bank resulting in us having to pay an additional 6 days of interest to same. Meanwhile Quicken considered their new loan closed on the XXXX. And so, we exert the following : Our Bank of America Loan cost us {$130.00} in interest per day. XXXX X XXXX = {$830.00}. This is the sum that Quicken owes us. Quicken mailed us a check for two days interest in the amount of {$270.00}. We stopped the check for {$570.00} representing interest to their affiliate XXXX XXXX upon receiving the proper closing packet two days after the closing. XXXX + XXXX = {$850.00}. By our calculation we now owe Quicken XXXX - XXXX = {$24.00}. We offered to send a check but were told by Quicken that this would not be acceptable and that they would be addressing the issue with their legal team. We have now filed this complaint in response to same. Attached you will find all supporting documentation. We also have an email chain reflecting same.
I see judgements for amount that I had no knowledge about. I also see XXXX Texas addresses where I never lived and wrong spelling of my mother 's middle name.
I applied for a credit card through Chase. They said that I needed to send proof of my date of birth which I did 3 times ( they only had it on file 2 times ). They claimed that my drivers license was " illegible '' but when I called them they said that they were able to read it but were unable to reopen my application because it had been over 30 days since I contacted them even though I had sent my driver license for the third time which they claim they never received within the 30 day time frame. I ca n't reapply for the same bonus miles because the offer expired.
I am a victim of identity theft. XXXX XXXX XXXX listed on my XXXX, Experian and XXXX XXXX credit report is a fraudulent and unauthorized account, and dont belong to me. I never applied for an auto loan account with XXXX XXXX XXXX. The account is fraudulent and a result of identity theft. I been receiving harassing phone calls at XXXX XXXX  and after XXXX XXXX at work and at home from representatives from XXXX XXXX XXXX for a debt thats fraudulent, the result of identity theft, and that dont belong to me. Representatives from XXXX XXXX XXXX has threatened me with death threats, legal action and prison. XXXX XXXX XXXX is in violation of federal law, The Fair Debt Collection Practices Act ( FDCPA ). Its been a frightening and terrifying experience, the way XXXX XXXX XXXX representatives has been calling my phone harassing me non-stop and on a consistent basis. Im in fear of my life. I have contacted the local media, law enforcement, and my U.S. Senator XXXX XXXX in regards to this matter.
This company called premium assets keeps calling me and demanding that I pay them for a payday loan in 2012 I have not received any mail from them or emails but they call at least 2 times a day if not more.
I have been working with a realtor over the past several months specicialy 12 months. This realtor has done a horrible job and really did NOTHING to help me with this short sale. I totally mislead me into believing that he was actually working for me. He was never able to actually get a legitimate buyer and able to get the bank to work with us to complete the short sale. Now I have an attorney and a new realtor ; helping me get thru this process. I have an offer that I am going to accept and submit to BSI financial. I would ask that BSI stop the sale and allow me additional time to effectuate this sale and avoid foreclosure.
On XXXX XXXX, 2015 i was emailed a BMO Harris checking account cash coupon for {$200.00} to open a new checking account with promo code XXXX ' and to deposit at least {$100.00}, set up direct deposits of {$300.00} or more within 60 days of opening a checking account and to maintain such direct deposits it would deposit a {$200.00} bonus into my account 120 days after my account became opened. 

On XXXX XXXX, 2015 BMO Harris Bank N.A . approved me and opened a checking account for me where i deposited {$100.00}. On XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, & XXXX XXXX, 2015 I set up direct deposit and had my monthly {$750.00} social security income deposited on each of these months. On or about XXXX XXXX, 2015 i contacted BMO Harris Bank N.A . at its customer complaint resolution at telephone number, XXXX, concerning my {$200.00} bonus and was told by a female BMO Harris representative i needed to wait until my XXXX XXXX, 2015 direct deposit came before this representative could place a request that I be able to receive my {$200.00} bonus. On XXXX XXXX, 2015 this representative put a request in which BMO Harris told me takes 3-5 business days to process and stated that if my {$200.00} bonus was not deposited after XXXX XXXX, 2015 it could expedite my deposit immediately. However, on XXXX XXXX, 2015 when i contacted BMO Harris concerning my {$200.00} deposit another female representative, XXXX stated that she spoke with another department in BMO Harris who informed her that I would have to wait until XXXX XXXX, 2015 to get my bonus. 

Per BMO Harris Bank N.A . terms in its checking account cash coupon for {$200.00} it clearly stated that after 120 days of my account opening i would receive my {$200.00} bonus. Again, this account was opened on XXXX XXXX, 2015 and 120 days from that date, was XXXX XXXX, 2015.
This was back in 2009, but it still bothers me until today. I had a credit card with Wells Fargo bank and did not have a job at the time to pay it off. I received over 5 calls everyday, sometimes right after each other and was threatened over the phone that the police was contacted regarding my outstanding credit card debt and that they plan on issuing a warrant for my arrest. I lived with the harassing phone calls for 3 months until I got a job and started paying the credit card debt I owed. Even though this is over 8 years ago. I still feel traumatized to this day in regards to the phone call and Wells Fargo as a bank. I believe they were extremely unprofessional and at that time I did n't know their actions were illegal until after I paid my entire credit card debt. The amounbt I owed originally was around {$700.00}, but with late fees, overdraft fees, and interest I paid around {$2000.00}.
I 've gotten repeated voicemails for a distant relative with a different last name, who has never lived at my address. The company says they are Ally Financial. I 've never done business with them or ever heard of them before this. They called my daughter on her work phone and my son in the XXXX XXXX XXXX. They 've never done business w Ally nor lived with the person Ally is calling about. I most recently got a voicemail at XXXX today, even though I blocked their number on my cell phone. 
I do not use private unscrupulous lenders such as this company ... i looked them up online ... i only ever use highly rated credit unions and banks. I 've mentored those with credit issues when I was a XXXX XXXX and deplore the tactics used by companies like Ally. I want them to be punished to the fullest extent of the law. And they better never call me or my kids ever again.
I contacted I C Systems last month via letter sent on XX/XX/XXXX, which they signed for on XX/XX/XXXX. I have proof of my communication with them and they have not responded within the 30 day mark. I requested viable evidence of the account they claim I owe. They are reporting negatively on my credit reports without proving the account is in fact mine, which it is not. I have attached my proof of communication with them.
Back in XXXX and again in XXXX Trans Union experienced a " computer glitch '' that had caused the hard inquiries on my credit report to disappear. Then apparently they were all " re-added '' to my report. According to the law, they failed to provide me anything in writing that they were adding the hard inquiries back to my account. 
I tried calling Trans Union directly and spoke with XXXX XXXX on XXXX/XXXX/XXXX at XXXX. EST. She was less than cooperative and denied that Trans Union ever experienced any type of computer issue. I tried to discuss the matter courteously and she told me that there was nothing she could or would do. 
I currently show 16 hard inquires on my credit report dated XXXX/XXXX/XXXX and I request that they all be removed as I was not notified in writing that anything was being put onto my report.
AN ACCOUNT UKNOWN HAS BEEN POSTED TO MY ACCOUNT ORIGINATING FROM XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FROM CREDIT PROTECTION.
I was part of the XXXX XXXX Debt collection process with my Mortgage Loan via BOA and was never included in the class action lawsuit. Is there anything I can do to claim any monetary funds due to the issues they caused my credit report, finances, etc.? Please let me know and thank you again for your time! WE were all taken advantage of by them!
My mortgage was purchased by green tree from XXXX services. They mailed my first statement on XXXX XXXX with a due date of XXXX XXXX. No problem, but when I tried to pay the bill they denied me access to auto pay which is the only pay method online that does not have a {$12.00} service fee. I called and they said to download the form and fax it. The site blocks me from downloading the form. I want to pay my bill without getting a XXXX XXXX credit card or incurring a fee everytime I pay my mortgage. Paying by mail is not a secure way to pay your mortgage.
i receive a call from a company called Convergent Outsourcing, they call me at least once a day, i have requested before to be taken off there calling list and when i actually ask the person to take me off they just hang up or tell me to XXXX and laugh, this is one of the few calls i get daily and it is interfering with my work, these calls are annoying and i really want them to stop, i have filed complaints before with the do not call registry because i have been on that list for many years now, and they have done nothing to help.
In XX/XX/XXXX I purchased a mobile phone and plan with XXXX   from XXXX XXXX. This contract expired in XX/XX/XXXX. XXXX continued to bill the plan and phone. I tried several times over the next 2 months to get them to cancel the account. Each time I was told a identity code would be sent to my email address and the rep would call back in 15 min. This never happened. The last time I spoke with an XXXX rep I told them I would not pay the fraudulent amount and I considered the account closed. I was then threatened with litigation. XXXX finally terminated the account but refused to cancel the fraudulent charges. Since then this account has been passed between collection companies, each fraudulently reporting it as a delinquent account. Each also offers a significant discount if paid. This is pure extortion. The latest company jump on this band wagon is
In XX/XX/XXXX I was granted a loan modification with my mortgage lender Wells Fargo after XXXX years and XXXX attempts. I was relieved that I was granted the modification and would be able to remain in my home. 
XX/XX/XXXX I listed my home for sale and attempted to obtain a mortgage on another home. I was denied the new mortgage due to a low credit score resulting from the years of " late payments '' that were reported by Wells Fargo during our working together to obtain the modification. In addition, I was recently told that due to the modification, I would not be able to attempt another loan for a mortgage for XXXX more years. These dings on my credit and inability to apply for a mortgage were never spelled out during the process. 
In addition, I also now have a lien on my title from FHA for XXXX. Please advise! 

Thank you!
On receiving a request to substantiate charges and liability related to an account this institution had reported to my credit report, the company in a bewildering response ( see attached response ), refused to provide the requisite documents to stay in compliance with the FDCPA and stated they would continue to report the account on my credit report in violation of my legal rights.
On X/XX/2017, I checked my account balance and it said that I actually owed more than I borrowed! At this point I had made two ( 2 ) payments of {$110.00} ; one on X/XX/2017 and another on X/XX/2017. When I called and inquired as to why this was, I got some long-winded excuse as to why the balance was so high ; something about accumulating interest. I expressed how violated I felt and how I felt like I was being taken advantage of and ended the conversation. Remarkably, since that conversation, the balance shows less than what I owe, but the majority of the payments I am making, at least 95 % of them, is going to interest and not principal. To date I have made 5 payments totaling {$590.00}. My balance according to Spotloan.com is {$510.00}. So out of the {$590.00} I have paid thus far, only {$81.00} has gone towards the principal. I have screenshots of the balance that showed on X/XX/2017, and subsequent balances on screenshots since. On X/X/2017 I have a screenshot that shows a balance of {$540.00}. 4 days later on X/X/2017, I have a screenshot showing a balance of {$560.00}! How did it increase in 4 days???? It 's just so ridiculous.
I have tried on numerous occasions to cancel my monthly subscription for credit protection with Experian only to be placed on hold for OVER AN HOUR!!! This is clearly a way to deter customers from cancelling their subscriptions that they trick you into when trying to check your credit score. This company preys on vulnerable people who are concerned about their credit and then ropes them into re-occurring fees that it is extremely difficult and burdensome to cancel. From my perspective this is very close to fraud. Please investigate these credit agencies and ensure that membership cancellation is accessible and easy ( online or have calls answered in a more timely manner ).
I was contacted four times in one hour today by this company who stated they were calling about a " civil matter ' against me without identifying who I was.
XXXX/XXXX/16 Received a call from XXXX XXXX stating that he was a representative of OCWEN Loan Servicing, and that we qualified for a fixed 2 % loan modification thru the HAMP program. He emailed me an Acceptance & Acknowledgement of Acceptance of XXXX Trial Agreement. On XXXX, my wife and I signed it and faxed it back to him at XXXX. He then said in order to lock in on the loan modification, we needed to send the first of XXXX payments {$610.00} by XXXX ( person to person to XXXX XXXX ). We did and he emailed me a receipt. He then called the next day ( XXXX/XXXX/16 ) to say in order to lock in on the 2 % for the life of the loan we had to send the other XXXX payments of {$610.00} each ( sent {$1200.00}. We did, XXXX person to person to XXXX XXXX. The next day he emailed another receipt. ( his email address : XXXXXXXXXXXX ). On Friday XXXX/XXXX/16, XXXX XXXX called and said everything was good, however : they could not guarantee the 2 % fixed rate for the life of the loan unless I send them an additional {$860.00} for processing fee. That 's when I became very suspicious.