WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a victim of fraud. Back in XX/XX/XXXX I received a phone call from Wachovia about refinancing my mortgage, it seem like a very good idea, since I was in a pick a payment loan with a negative amortization. We decided to take Wachovia 's offer and refi. They they told me that it would be a better idea to modify my mortgage. I was on the phone for about an hour, providing them with all the necessary information. They told us that it would take 2 to 4 weeks before we would get modified, 3 weeks went by, since I did not hear anything from Wachovia, I decided to call them for an update. finally I spoke to a representative ( XXXX ) and he told me that I was missing some documents. ( bank statements ) I told him that I had faxed over the bank statements 3 weeks ago. 
Neatness to say I faxed over the documents again, by then my mortgage was due, so asked XXXX, do I pay my mortgage or do I wait for you to call me. He said that I was modifying and I did not need to pay the mortgage, it was going to be added on to the new mortgage. but I did need to keep continuing paying my 2nd mortgage. 
By XX/XX/XXXX I received a letter for Wachovia stating that I did not pay my mortgage. And I could be facing foreclosure. I immediately call Wachovia about this letter. The funny thing about Wachovia, I could NEVER get the same person on the phone. Now, they told me that I was missing documents, ( most recent pay-stubs ) now I started to certify all letters to Wachovia and fax them also. 
By XX/XX/XXXX. I received another letter in the mail, this time it said that I was going into foreclosure, by now we had enough of this, so I called Wachovia to tell them that I did not want to participate in there games, and that I needed my original loan! until they said that I own them {$18000.00}. How can I owe you that much in 3 months! When my mortgage was only {$1600.00}. a month. 
By now I was very scared, so Wachovia left me with no choice but to continue with this nightmare Again they asked me for more documents, by now there was no way out for me and my family, Wachovia was running the show and we had no control of our life 's. but we wore still paying our 2nd mortgage. 
I spoke to so many Wachovia representative, ( have a record of ) every month they would ask me for the same things. I have {$470.00} of certified letters. It was always something they need it, but the funny part about it, they would never call me, I would ALWAYS have to call them, and of course, I would never talk to same person! 
This nightmare went on for over a year, by now my credit was ruined, the humiliation from our families and friends was too much to bear, people would knock on our door all day long. Take pictures of our house. so our marriage was also ruined. I suffered XXXX. 

At this time Wells Fargo took over Wachovia, and now I was dealing with Wells Fargo In XX/XX/XXXX I was finally approved. They gave me 40 YEARS ON MY MORTGAGE. I only had 24 yrs left, now I have 40 yrs. THANK YOU Wells Fargo. 

To this day my credit was ruined, and Wells Fargo refuses to work with me on fixing my credit, it took them 13 months to get an answer on a modification that I had no control of.
The debt collector called a family member a ( Third party individual ) whom was not listed nor had nothing to do with UNITED AUTO CREDIT. They questioned and gave out personal and financial information to a person that was not authorized on this business matter. I feel that this was very unprofessional and cause harm to a potential business matter that I had going on.
After reviewing my credit file I found several accounts I never authorized. I sent a request for proof of documentation the Bureaus must have on file under fcra sec 609, requiring proof of contract bearing signature used to validate ownership. They have refused to provide any documentation on file. The laws are in place to protect the consumer and they are not being followed. I have provided a fraud affidavit also with my dispute. below are the creditors be reported. 


XXXX XXXX XXXX XXXX XXXX
This is actually a case of BOTH not receiving my bill AND them not applying my payments properly ( TWO TIMES ). It reeks of predatory behavior and the agents I speak to seem to have no idea what is going on short of trying to exasperate me and get me to stop fighting, which I will not do.

On the XX/XX/XXXX, I contacted Citibank regarding my Diamond Preferred Card. I had received a bill stating that I had a past due balance. I spoke to a representative and stated that I wanted to pay my bill in full. I also told him that I wanted to make sure that it hadn't been reported to the credit agencies as failure to pay. He told me he couldn't remove it, so he transferred me to the supervisor. The supervisor was also not helpful.

Two days later, on the XXXX, I received a call from a collection agency at Citibank. They told me I still owed 3600  or so on my card. I explained that I had spoken to someone two days prior and paid in full, she explained that it had not been paid in full and that this might be because I was transfered to a supervisor. I told her not to worry and paid my bill.

Today, XX/XX/XXXX, I received a statement stating I am one month past due and have a {$4000.00} balance. This is including two new, fraudulent charges for almost 600 dollars. I called in and asked why my payment was not processed, and they stated they never received a request for payment.

After 10 minutes of arguing, they stated they have no notes of any phone calls, either. Only a payment for 220 dollars or something. I asked why they would charge me XXXX dollars if I never called in.

After more talking, they explained that I probably did call in and request to make a payment of 220 or so. I explained that I have paid in full every month I have had a bill. I have never paid " minimum '' or " less than balance '' payments.

Finally, the supervisor admits she can see I spoke to the collections department and can see that I had also requested ( on the XXXX ) to pay my bill, but that the system is not letting her waive the interest or late fees.

This is kafkaesque and reeks, again, of fraudulent behavior on the part of the credit card company. The fact that they can let their representatives NOT take proper notes, then put the onus on me ( the person who ISNT in charge of recording and documenting calls ) to prove that I wanted to pay in full is insane.
Experian has continued to report me as deceased after several inquiries for the past 6 years. Every inquiry made shows me as deceased and they have not corrected the mistake, no matter how many times I dispute it. I never get any answer back from them as the forms do n't have any option to dispute being deceased. I have to go to the upload document to be able to even enter the dispute. I know there is a national database that they can look in and determine I am not deceased, and other bureaus such as XXXX have never listed me as deceased. I have new items and continued reports being added to my report every month, which they process and other disputes which they have process, but they keep reporting me as deceased and will do nothing to change that.
I submitted a complaint a few weeks ago ; however, it was not resolved. Capital One 's executive offices contacted me ; however, they refused to work with my temporary hardship. After I explained what had happened after they asked what had caused this hardship ( a transition to a new career due to medical reasons, as well as a XXXX that was not covered under my insurance ), they put me on a brief hold and came back to offer me nothing. My current interest rate is 21.15 % on a balance of {$16000.00}. Interest each month is near {$200.00}. I explained that I am in training pay mode in my new job ( auto sales ) and make minimum wage, less than $ XXXX, gross. My mortgage on my house alone is {$1700.00}. It 's simple math. I make less than my mortgage payment, which leaves nothing for credit card debt, my car payment, electrical, etc. I had previously taken a high interest rate ( 14 % ) loan with XXXX, and retained half of that to stay current with at the least my mortgage and auto payment. I explained to the man that I in no way want to shun my obligations ; however, I would appreciate some help till I get on my feet again. Any chances I had at obtaining a personal loan had been abolished by Capital One 's sudden closing of four of my accounts without one missed payment, as well as XXXX with XXXX balance. They shut them down for " charges not consistent '' for what they expect. Within a week of their dropping {$27000.00} in credit, my credit score plummeted into the XXXX from the XXXX. I did nothing wrong! Within a few months I will be switched to commission and hopefully my income will increase substantially. All I asked was a reduction in interest while I am in the transition mode, which would be hopefully no more that 6 months. I can not understand why they could not grant this request when I have been a perfect customer for years with Capital One bank. My complaint is that they single-handedly destroyed my credit in one sweep, and now they refuse to lower my interest rate for a brief period of time. I was not asking them to excuse my debt. I am completely aware of debt relief agencies -- they advertise constantly -- however, I was trying to handle this the responsible way. I do not want to be forced into bankruptcy ; however, this bank has ruined my credit by suddenly closing four accounts for a bogus reason, and refusing to reduce my interest rate in return for their damage. Previously I had equity in my home I could draw from, now there is zero chance of that thanks to Capital One. Capital One reached out to me after filing the first complaint ; however, they offered no resolution at all. They should be held accountable for this kind of abuse. Again, I am asking for the same thing. In a good faith effort, I made the {$320.00} minimum payment after I was turned down by this representative.
This invades my privacy with this being on my record. 
XX/XX/2017 all charges include XXXX XXXX XXXX XXXX XXXX $
Bank attorney is giving me the run around in court in an attempt to foreclose on the property instead of working with me to complete a short sale. I have qualified buyers who want the property.
I took over a car lease from Ally Financial and made all regular payments to the end. 
On XX/XX/15 I called to extend the lease for one month & got confirmation no. XXXX. 

I received the lease extension agreement dated XX/XX/2015 which I signed and sent back with a check # XXXX. So I returned the car on time with in the allowed millage. 
After receiving a bill for extra $ 1300plus I called Ally and was told that they did not receive my check and that they did not extend the lease because of that. But I was told to send in a replacement check which I did check # XXXX for {$460.00} and then they would clear things up to XXXX balance. 
They cashed my check but, never credited the account. Since then I have proved my case to three different agents/managers with copies of all document and each one accepted the facts and promised to fix it and notting ever happened. 
This had been on credit for all this time I have disputed it however it's still on my record. 
This is not fair business practice and I'm sure against the law.
I have had a horrible experience with my mortgage from BB & T from the start. However, this latest issue has really frustrated me. My intention from the start has been to pay {$1600.00} towards my loan, XXXX a month. My monthly payment is around {$2700.00} and the remainder is to be used to reduce the principle. The reason why I am paying XXXX a month is to reduce the interest that accrues on my loan. After contacting the bank today, I learned that they do not apply my {$1600.00} payment to the balance of my loan until the full monthly payment is received. The money sits in a " suspense account ''. Therefore, I do not pay less interest at all. However, BB & T has my cash that they can use to invest and earn profits for themselves!!! Their customer service told me that their system is not set up to support bi-monthly payments. 
However, on top of all of that, BB & T sold my personal information to multiple organizations. Since closing I have received multiple letters in the mail from different companies offering to help me pay my mortgage and suggesting that I consider making bi-monthly payments because it will reduce my overall lifetime mortgage cost. It is just wrong that BB & T does not offer bi-monthly payments to their customers but will sell your information to other companies offering to do just that! 

This is just a fraction of my issues with BB & T. In addition, they lost my original loan paperwork with all of my personal information on it. To date I have received no follow-up on that issues, so as far as I know it 's still lost. And, I had a horrible experience with my mortgage loan officer who was incompetent and incredibly rude. I would refinance in a heartbeat if it were n't so costly!
Specialized Loan Ser vicing ( SLS ) has been notified on at lea st five se parate occasions, starting over a year ago, that I did not receive my  XXXX  Mortgage Interest Statement for the year  XXXX . The las t two call s I made, which have occurred today and  two mont hs ago, resulted in redundant information being given to me, again. The lady stated  XXXX  and  XXXX  statements were mailed, but there is no  XXXX  statement to send me ; that it was never generated. Today 's lady told me that I would have to contact the IRS directly to request them to send the information to SLS. This makes no sense to me. I 've received  XXXX  extra copies of the  XXXX  statement, instead of the  XXXX .
I sent a letter to Transunion on  XXXX   XXXX ,  2017 via C ertified Mail stating that there was a Public Record on my report for Bankruptcy that needed to be removed because it was inaccurate. They in turn, sent a letter back stating that it was verified, but did not state by whom it was verified. The letter that I sent included a letter from Alabama  Federal Court sta ting that they do not provide this type of information to Credit Bureaus. This record should not be on my credit report because it was not obtained from the court, and the letter is proof of this.
On XX/XX/XXXX He capital retail bank states that I opened an account. Which is false I never opened this account. On XXXX the company states said account went into collections. In XX/XX/XXXX this company was sued and settled with you file number XXXX. In XX/XX/XXXX company changed its name from Ge capital retail bank to Synchrony bank. In XX/XX/XXXX XXXX said they acquired this account. On XX/XX/XXXX XXXX states they sent a notice of debt. The notice was never received by me. I was out of the country due to being a armed forces service member. The company states they did not receive a dispute or validation request within 30 days. This is because I was not in the county and never received said notice. If the company sent the notice certified they could have known I never received it.on XX/XX/XXXX the company states they sent me validation of debt which again was never received and i was again out of the country. I have been disputing this account for years. the company then sent me a validation copies of old bills with just a name and address. An address which I've never lived at and that reflects on my credit report. A name which shows over 189 people with the same name in XXXX FL. I would like a copy of the original application along with a signature page to show this debt is no mine and never has been. The account has already been removed from one credit report just waiting for the others. This is a stressful and unfair way of doing business. If you can not be sure that someone received a notice you should not be able to try and then throw a debt that doesn't belong to them since you never received a dispute.
I reviewed my credit file late  XXXX    XXXX   and there is an account reported by AD  Astra Services.  I sent a request to the company to verified this debt. I received typed document that have no identifying information that ties this debt to me. The account is showing paid ; however, this company has not provided me with the legal supporting documents that is related to this account and how it was paid.
Hard pull on my credit report by XXXX on the XX/XX/2016 Transunion recommends contacting : XXXX XXXX, Tennessee, XXXX I did not Authorize this credit pull Concerned it may be fraud XXXX ca n't reference without a account number
I have an account with XXXX XXXX through Comenity bank. I was making my payments regularly until about XXXX of this year. I feel behind and I have not used the charge card in well over two years. I thought the best option would be to close the account to allow me to make payments and catch up without the late fees and interest charges, that amounted to nearly {$100.00} a month outside of the regular payments. My account was closed per my request in XXXX, however I still continue to have interest fees and late fees added to my account. My current payment is {$320.00} because of it and in the last two months because the interest fees and late fees, my balance is {$400.00} more than it was when I closed my account. How could this be legal? I believe Comenity bank is milking me for money. I emailed the company on XX/XX/XXXX and again on XX/XX/XXXX to let them know I intend to pay the account off but the fees need to stop because my account is closed. How will I ever catch up with the payments being doubled and tripled? Their response was " we are sorry your having problems, call the office ''. So I called and was told that the interest would continue to climb and that the payments I was making was not enough to make a difference. Please help
There is a negative item on my report that only Tranunion has not removed from my report. The name of the original creditor is XXXX XXXX XXXX XXXX XXXX that states that I owe {$1000.00}. This is not mine and I have a letter directly from the Creditor ( Insurance company ) that validates this error.
Contacts and harrass family members and employers. The debt has been written off by the initial creditors and this new company Diversified Consultants is trying to collect. Their phone number is XXXX
To Whom it may concern, My name is XXXX XXXX and I am contacting you regarding an issue that I have been having with PHH Mortgage Corporation. My loan number is XXXX. I have recently recieved a forclosure summons from PHH Mortgage Corporation. I have been making my payments, however, PHH Mortgage Corporation is claiming that I have been in default of my mortgage since XX/XX/XXXX. PHH has been rejecting my payments since XX/XX/XXXX for no explanation and without my knowledge. I am attaching a link that contains a record of my bank statements from XX/XX/XXXX to the present date, supporting the fact that I have indeed been making my mortgage payments. Also, PHH Mortgage Corporation is claiming that I owe {$24000.00}, however they only refunded a total of {$15000.00} to me. 


XXXX My payment history according to my bank statements is as follows : XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX for payment due for XXXX XXXX XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX XXXX XXXX, XXXX I paid XXXX for the months of XXXX XXXX, and XXXX XXXX XXXX XXXX, XXXX I paid {$6100.00} for the months of XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX {$6100.00} was refunded to me without my knowledge. In XXXX, XXXX my monthly mortgage payment decreased to {$3000.00}. 



XXXX XXXX, XXXX I paid {$6100.00} for the months of XXXX XXXX, an XXXX XXXX XXXX XXXX, XXXX {$6100.00} was refunded to me again without my knowledge. 



XXXX XXXX, XXXX I paid {$3000.00} XXXX XXXX, XXXX {$3000.00} was refunded to me again without my knowledge. 



On XXXX XXXX, XXXX I was served a forclosure summons. According to my records I have been falsely placed into forclosure of my home by PHH Mortgage Corporation. In conclusion, I would kindly appreciate an investigation to be done so that this matter can be concluded in a timely manner. Thank you for your time and consideration. 





Sincerely, XXXX XXXX
PayPal credit will not stop calling. I received anywhere between 5-10 calls a day, even as late as XXXX and on weekends. Just yesterday, XX/XX/XXXX I received four phone calls at XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each time I answered and asked for them to stop calling my number.
cra violation inaccurate information po report sent with ftc violation on the report the crepdit report is all wrong cfpb violation
On XX/XX/2016 I sent out two separate letters to XXXX XXXX XXXX, they have 2 separate accounts listed on my credit report stating that I allegedly owe {$370.00}. I disputed these matters with them and never heard a word from them with proof of ownership of mine for these accounts. They have still to this day yet to furnish proof of me owning this debt. They are way past the 30 day reporting timeframe and have broken the law.
Same as XXXX other people I saw under XXXX complaints, My Bank, XXXX Mailed pymt XXXX XXXX. to Statebridge LLC, XXXX # XXXX, StateBridge said they did not receive until XXXX XXXX and charged me {$32.00}. In past 10 years using XXXX XXXX to pay my bills I have never had a problem with bills being paid within the time posted by XXXX XXXX XXXX. My XXXX payment was sent to Statebridge LLC on XXXX XXXX and held by StateBridge till XXXX XXXX thus incurring a {$32.00} late fee ( see attached ). In speaking with StateBridge on XXXX XXXX 2017 the attitude was " PROVE IT '' As explained by XXXX, employee number XXXX he has been waiting for a baseball hat for 3 weeks thru the mail, suggesting I should pay StateBridge {$5.00} fee and pay online to insure my payment is received on time. Supervisor XXXX XXXX broke the Law when he refused to tell me Statebridge LLC License number after I asked. Further XXXX XXXX stated the XXXX XXXX, which is on second page of mortgage statements, was related to real estate misleading myself from fact it is StateBridge LLC license Number to do business servicing loans. Today, XXXX/XXXX/2017 XXXX, " XXXX '' who would not give me an employee ID # or his full name told me there was no license number to give out after I asked him and he had to ask a supervisor if it was ok to give out. So it appears StateBridge LLC will not allow payments to be made " free of charge '' unless the consumer sets up auto pay. I would not set up auto pay with a company I trust let alone a Company like StateBridge LLC whom I do NOT TRUST. Thus again, my story sounds like the XXXX other complaints on XXXX- ' Never been late or had issue with mail being delivered on time-EXCEPT FOR STATEBRIDGE LLC WHO SAYS PROVE IT. ' I will not pay a late fee from a company who, in my opinion, intentionally extorts fees while the consumer is making the mortgage payment to stay in compliance with mortgage agreement. Here are just a few other complaints on XXXX : XXXX XXXX & XXXX & XXXX # XXXX XXXX XXXX, Also I wish to point out The Credit Bureau has a " D '' rating for this company. How is this company allowed to do any business with mortgages after the Dodd-Frank Bill was enacted?
After receiving our loan estimate from XXXXXXXX XXXX XXXX and locking in our mortgage rate. The loan processor failed to disclose why the loan estimate for cash to close differed from the final notary closing documents cash to close. We were emailed three different funds to close letters all with contradicting numbers and dates. The evident difference was the interest estimate. We were charged one number shown in the loan estimate and an additional amount in the cash to close documents. After speaking with the loan officer we learned this was padding to protect the bank in case they underestimated their numbers.