WillisBack/dataset-financial-user-claim huggingface dataset:
I have been applying for assistance since XX/XX/XXXX. My loan is an FHA loan and my lender Wells Fargo Home Mortgage has been refusing to review me for assistance since then. They keep having me send paperwork over and over and then block me from a review each time stating they can not review me without a new change of circumstance. My husband who was half of the income for the household moved out in XX/XX/XXXX. He moved back into property after we reconciled and this was our change in circumstance. My household income went from only XXXX source back to XXXX. Wells Fargo has only played games to buy time to be able to stall and get more for my house. They never had the intention of reviewing me for assistance. They only placated me by taking my paperwork, but never actually reviewing it for assistance since XX/XX/XXXX. They did this in order to buy time and now they are trying to push me out of my home without even reviewing me for assistance to save my home. I now have a sale date and I finally hired an attorney to get my financial packet complete and they now state I can not reapply without a change in circumstance. They have been using this excuse to turn me down since I started asking for assistance back in XX/XX/XXXX. My change in circumstance is that my husband moved back into the property with me so my household income has increased and our out of pocket expenses have decreased. They have never actually reviewed my file for assistance. They continually deny reviewing me for assistance stating that I have no change in circumstance. No matter how many times I tell them there is a change, they just refuse to actually review me for assistance. I only want to actually be reviewed for assistance. I am being told by my attorney that I do qualify for a standard recap modification now that my husband moved back into my house. That Wells Fargo blocks borrowers from assistance as their common practice. Please make them stop blocking me from an " actual '' review and help me save my home. They have never had the intention of reviewing me for assistance and are solely trying to just block and foreclose.
On XXXX XXXX, XXXX, I purchased a XXXX family dwelling Only. All the payments for the mortgage were paid on time until when I applied for a Loan Modification on XXXX XXXX I was denied and by inquiring about the reason of the denial I was informed that the loan was fraudulent. Two weeks after I received the denial letter I was also informed that the original Lender sold the Note to another company and since then it has been flipping from investors to investors so far I count of XXXX different investors. The last investor Jemcap LLC compelled me to pay more than {$100000.00} XXXX XXXX XXXX Dollars from me in Lump sum payment in his Bank account and sold the Note again to an other investor XXXX XXXX XXXX located in XXXX XXXX, XXXX NY who is now seek a Judgment of Foreclosure and Sale. According to the Department of Building, it is a XXXX Family Dwelling Only and it is Owner Occupied. Please investigate the matter and it is in the Supreme Court of New York.
Cashcall calls up to XXXX times a day in regards to a missing payment. They use different numbers to call from and sometimes they leave messages and sometimes they do n't.
items on my credit report are old and chargeoff, accounts that i have paid are still showing late payments on my credit report. please help me get these issues resolve from damaging my credit.
I received a call from Premier Student Loan Center for a forgiveness program with Dep of Education. I  think this is scam .I want to stop and report this now.
I have a medical collections showing on my credit report that was reported to the credit bureaus on XX/XX/XXXX. This medical bill was paid in full to the original credit back on XX/XX/XXXX. According to the original creditor this should not be showing on my report and this company is not authorized to contact me regarding this debt.
XXXX has not responded back to my attorney in which notice was sent to them regarding this debt with XXXX in which they never responded back to my dispute regarding this debt. XXXX was mailed several letters in regard to the matter before Midland Funding LLC bought this account and I still disputed the account with Midland Funding
I have a few student loans that 's not matching up &amp; I checked  my credit score to   find an unfamiliar address that I 've never lived or used on my report. There 's no way this could be a mistake being as tho all my student loan information should all be the same. I believe that some foul play is going on with  XXXX   XXXX   XXXX  in  XXXX   XXXX  &amp; I believe that 's where the address came from. I 've never lived at  XXXX   XXXX   XXXX . In  XXXX   XXXX  Maryland. I 'm not even sure exactly where it 's at in  XXXX   XXXX .
We are an attorney 's office who represented a client seeking mortgage assistance. She received a modification trial offer and has made all her payments on time. I have been following up with the lender for over a month for final documents and was told on XXXX XXXX, 2016 that they had no authorization for me ( despite working with me to get the mod ). I sent updated authorization and had to wait for them to apply it to the account. Now they tell me that the final documents went to our old address the day after I called in and was told we had no authorization on file, and the deadline to return the documents was on XXXX XXXX. I told them that the docs were not received, and they will only give me until XXXX XXXX, 2016 to return the documents ( that I STILL have not received ) back to them, or they will pull my client 's modification and make her reapply. I specifically asked for a supervisor 5 times in a 45 minute conversation and was refused XXXX.
I submitted a complaint months ago about non-refunded fraud charges assessed to my Chase XXXX account. I received a response issuing a denial, but they intentionally left off over a month 's worth of fraudulent charges to make their decision look legitimate. I have had {$6500.00} taken from my account illegally and Chase is doing nothing to refund it.
I have made numerous attempts with EQUIFAX and have requested they provide me with specific information pertaining to the accuracy of the information they are providing on my behalf on my credit report. I have referenced the FCRA guidelines in my attempts to get EQUIFAX to provide ONLY accurate information on my behalf and have requested them to send me specific information in regards to the accounts they are reporting on my behalf and the company has failed to provide me withe the information I request but has continued to report the information on my report as accurate or they will send me a request for information I have already provided to them in regards to verifying my identity. Not only is this company reporting information that is not accurate they have failed to remove information on my report in regards to a fraud statement that is inaccurate as well. I have sent the company a copy of a police report to verify that my identity had been stolen. I have sent my request and demands via both regular mail as well as certified mail and this company is still reporting information that they have failed to properly verify. Equifax has a fraud statement on my report that I wish to have removed because it contains a phone number on it that is known by individuals that have stolen my identity and it gives direct access to a phone number to anyone that pulls my report and my report can be pulled by anyone with my stolen information. My initial request for information verifying or removal of the accounts these accounts was mailed to EQUIFAX on XX/XX/2018. The accounts are XXXX. XXXX XXXX, Ky XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  .I have documented many of my request for information and have received confirmation via USPS that the company has received my written request. Some of the document numbers i have sent are document # XXXX
I traded in my car on XX/XX/XXXX. The dealer got a 10-day payoff. GM Financial also pulled another auto payment on XX/XX/XXXX, three days after the car was traded. This resulted in a {$1300.00} overpayment. 

GM Financial received the payment from the dealer and the car was paid off a few days after my payment was pulled. On XX/XX/XXXX, I called and requested that a refund be issued or that the overpayment be applied to my new loan. 

How long can they hold my money before issuing the refund or applying the funds? 

I was told they hold it 30 days unless I go to the dealer and have them send a copy of the front and back of the cancelled check and send them my bank statement showing the funds have cleared. My payment was an ACH payment initiated by them 10 days ago. They should have a way to verify it has cleared with having access to my personal banking information. I also am frustrated they have to mail a paper check when I have never paid them in that manner. 

Overall, I feel like this is a stalling technique even though my payments to them have always been on time. Even if they didn't want to refund it right away, why couldn't they simply apply it to my new loan? They would still have the money. Now I'm paying interest on {$1300.00} more than I should have to on that loan because they are holding my money hostage. I feel like this is an unfair trade practice because they are refusing to refund my money or apply that money to the loan for which they are collecting interest.
I have disputed many times inquires on XXXX, Equifax and XXXX that were not mine. They keep sending back that the inquires are accurate and they are not! I do not know what else to do.
Comerica Bank in XXXX has been mailing my pension cheque for 30 years. 
In XXXX 2015 they mailed me aformXXXXXXXX from the IRS I filled it in and mailed it back.Later I noticed a shortage on my cheque Contacted Comerica Bank in XXXX who told me the form had not been received, therefore IRS took XXXX % off my pension cheque.Another form was then sent, but being late the IRS has withheld 2 months XX/XX/XXXX and XX/XX/XXXX.In talking to Comerica they informed me to contact a tax consultant to get the refund.It was their fault for not checking to see why the retiree had not returned the form.That form was either lossed or misfiled and the bank should have a policy to determine what is delaying the retirees form, instead of having the IRS deduct, The Bank has never replied to my suggestions. Hope you have more success XXXX XXXX
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
a company named NCB management services called my cell phone and did not leave a message. I returned the call and could not make contact with a live person. Instead I was transferred numerous times by recorder messages and finally ended up at a company voice mail box. In a stern, but polite fashion I instructed who ever receives this message to remove me from their call list, and informed them that I do not have any debt with them.
This company left me two voicemails in two days that uses legal words in regards to some debt, they do not identify which one in the voicemail or at least who the original creditor is. They make reference to a " File No '' as well as giving my a 24 hour time deadline. They stated they were calling from " Asset Verification '' implying that I was required to give them certain information by law. I have attached the two Voicemails.
My problem with NMAC is they reporting negative information on my credit and they saying I am missing payments when I am not. 
I sent them a certified letter requesting information for my account but they never responded. I then contacted the XXXX XXXX for help they reply was they are correct and they will send the information to XXXX XXXX. But I never receive any information from NMAC. I contacted XXXX again reporting the outcome from their help. I have yet to hear from them again. 
I do have the right to have a paper statement and NMAC refuses to send to me. NMAC put my car into repro status why when they are stopping me from paying my car off! Here my email to XXXX   Dispute Resolution Associate XXXX Serving XXXX XXXX Texas XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX Start With Trust -- -- -Original Message -- -- - From : XXXX XXXX [ XXXX : XXXX ] Sent : Friday, XX/XX/2018 XXXX XXXX  To : Complaints XXXX Subject : Unfair business Practices Complaint ID # : XXXX Business Name : Nissan Motor Acceptance Corporation I XXXX XXXX has not been made whole as of yet Nissan  still have not sent a letter explaining their actions but they did allow me to make payments on the website. I went on their website changed it to paper statements they have yet to send me a paper statement they still practicing unfair treatment to customer. I would like a itemized statement of my account whats so hard about that please in my reply to them my next step Im calling the federal trade commission.
I am a co-borrower on a private MEFA ( Massachusetts Educational Financing Authority ) loan. The primary borrower, my parent, defaulted on this loan and while I understand I am fully responsible for paying back the loan, I was NEVER warned that this loan was going into default. I never received notice, by phone or by mail, about this default status nor was I given the opportunity to make payments or take responsibility. My credit has now been absolutely destroyed by this. I pay all of my other bills, loans, and other debt in a timely manner and on time - this can be proven by the other items on my credit report. This loan alone has now been allowed to completely ruin my financial future. I went for years without even knowing about this defaulted loan, and I only found out about it when I tried to apply for a mortgage and it came up on my credit report. I had absolutely no previous knowledge of the status. I called the collection agency that my loan has been assigned to, and I tried to work with them but I can not afford to pay the total, especially given the cumulative interest that this has accrued. The primary borrower is making payments as well, so I am afraid of tarnishing their payment agreement. I have no good solution to this problem and do not see any way to otherwise help my credit. This will likely haunt me forever. I 've called multiple times and MEFA is unwilling to work with me at all. I have spoken to various representatives who have promised to see what they can do and none of them have ever called me back.
XXXX XXXX shows a drop in my credit score from XXXX XXXX, XXXX through XXXX XXXX of 31 points without any explanation. In the past I 've been able to review if any credit applied for or other activity that would cause a decrease or increase in my score. I call Equifax and they sent a summary, but did n't address the reason for the drop in points. XXXX later drop my score XXXX XXXX, through XXXX, XXXX XXXX points without any explanation through credit karma. I just want to know what cause my score to be effected.
On XXXX XXXX, 2016, I requested and authorized Chase Bank to perform a wire transfer of {$10000.00} to XXXX XXXX XXXX and have the {$10000.00} deposited into the account of XXXX. The money was transfered to XXXX XXXX XXXX but not deposited as instructed into the account of XXXX. I was later told by XXXX XXXX XXXX XXXX that XXXX XXXX XXXX would not release my money until I sent them a notarized letter stating that I authorized this wire transfer. Also, I have been told that there are two more transfers made on XXXX XXXX, 2016, to the account of XXXX that are also being held hostage by XXXX XXXX XXXX. 
When I asked who to talk to at XXXX XXXX XXXX, I was told that XXXX XXXX XXXX refused to contact me to inform me of the situation and what was needed. Therefore, I went to my banker at Chase Bank to ask for help and my Chase Banker offered to help. I requested through XXXX to have XXXX XXXX XXXX contact my Chase banker ; however, XXXX XXXX XXXX refused my request. So now, as a home business owner, I am losing sales opportunities during the holiday season and I feel that I am being used as a scape goat by XXXX XXXX XXXX to cover up their own screw-up. That being the case, I am now compelled to write a letter stating that I authorized the transfer and then pay additional expenses to get this letter notarized. The wire transfer is supposed to be a expeditious method to transfer funding. It has now been thirteen days and counting to complete this transaction because a middle man decides to dictate changes to the rules of engagement. I gave my authorization to Chase Bank when I signed the wire transfer documentation. Does XXXX XXXX XXXX think there is illegal or fraudulent activity occurring with this transaction? If so, why have n't they contacted my bank and the legal authorities. Instead they are holding my funds and making money everyday they do n't deposit it as instructed. Why are they refusing to communicate with my bank or me? Because everyday they hold on to my funds, they are making money on it. 
Hence here is the statement that XXXX XXXX XXXX is demanding before they will release my funds as directed in the referenced wire transfer instructions : I, XXXX XXXX, XXXX, on XXXX XXXX, 2016, authorized Chase Bank to withdraw {$10000.00} from my Chase account and wire the said {$10000.00} to XXXX XXXX XXXX for deposit into the account of XXXX. I am directing you, XXXX XXXX XXXX, to release and deposit the said funds as instructed via the wire transfer ( XXXX, XXXX ) into the account of XXXX forthwith.
Is reporting a late for Capitalone account # ending in XXXX for XXXX XXXX Kindly remove this late as I had 30 day window to pay this bill from the due date of XXXX XXXX XXXX. Payment had to be received within the 30 day window from that date and was. 
Payment was made on XXXX XXXX, XXXX only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint Capitalone and XXXX, EXP, XXXX have updated a late to XXXX XXXX. 
But in XXXX XXXX payments were on time. 
Thank you, XXXX XXXX XXXX # XXXX D.O.B. XXXX/XXXX/XXXX
there was a real big computer glitch, which was TransUnion 's problem not mine, the glitch caused my inquiries to be deleted, TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added, being that it was there fault that they had a glitch, now I being held responsible and these inquiries added a hardship to m, and now my rights are being violated by TransUnion. please I 'm asking you CFPB to help me make TransUnion stop victimizing me and other people. I 'm Asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
( Please note that I am the father of the complainant here and am submitting this complaint on her behalf. ) Letter from Midland Credit Management , Inc., dated XXXX XXXX, 2016, stating XXXX sold debt to Midland Funding , LLC. Would give a XXXX % discount on " owed amount '' if paid right away. Never used any such credit at XXXX nor purchased goods totalling the amount requested during the alleged time frame. ( Only use XXXX major credit card for any purchases. ) Have never heard of XXXX XXXX. Looking at consumer complaint information, Midland is an extremely bad company. In recent years, Midland has been sued by several Attorneys General and law firms for deceptive and fraudulent practices, including false debts and robo signatures on affidafits stating a debt existed.
On XXXX XXXX, XXXX, I responded to a promotion and applied for the Chase Freedom Unlimited Visa card online. The promotion is : Chase Freedom UnlimitedSM credit card Chase Freedom Unlimited ( Service Mark ) credit card NEW CARDMEMBER OFFER {$150.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. 
After the account is approved, I used the card as per the promotion requirements and waited for the bonus to come. It never did. In XXXX XXXX, I contacted Chase Visa customer support 3 times on status and was told there was no promotion for my card and there is nothing they can do about that. It was a terrible experience to find out this outcome after 3 months of account opening.
I had a car loan through Santander Bank. My loan originated in XXXX. After 2 years of paying on the loan I couldnt understand why the loan amount was n't going down. I had talked to them in the past but never really paid to much attention. When I finally really started looking at my statements I came to discover that with the {$510.00} a month car payment I made only {$9.00} was going towards my loan every month..I couldnt believe it. Come to find out, they also added XXXX a day to another loan for a personal friend of XXXX she had no idea they were doing ... Her {$1600.00} loan turned into over {$15000.00} in the end ... Santander bank as a whole is a relentless corporation and they are thieves ... I feel that someone should seriously look into how much money they are stealing from consumers EVERY DAY!!! THEY NEED TO BE INVESTIGATED!!!
Hi, I have sent three certified letters to Experian in order to receive my free credit report. I have not received a reply to any of them. I sent them a copy of my Drivers License, proof of residence as well. I have been declined for a loan and I need to see the actual reporting from this Bureau. I have received reports from XXXX XXXX, and XXXX already. 

Thank You,
I was in the process of obtaining a mortgage loan from Quicken Loans. At one point a representative from their under writing department stated to me " because you are so young, we believe you 're going to use this as an investment property ''. So I firmly believe they treat " younger '' people   as liars. Additionally, if those are normal underwriting practices, it makes it unfair for " younger '' borrowers. Towards the end of this loan I encountered another issues. I received news from them that the loan woul d be declined , two differ ent representatives told me the decline reason was because the property was " unlendable ''. Which if its a rule due to it being a condo I am fine with it. But what I am not fine with, is them giving me a decline letter that states the reason for decline is because my debt was too excessive. So miscommunication or misinformation is another issue.
Message they continue to leave on my voicemail : " Hello we have a message from ERC. This is a call from a debt collector. Please call XXXX and provide the following reference number XXXX. '' This has nothing to do with us.
After numerous times to obtain a loan modification with PNC only to have them repeatedly lose my info, I attempted to do a short sale. There were so many unresolved issues with PNC and I hired several attorneys to help me work through this. As PNC threatened foreclosure, my attorney recommended bankruptcy to stall the sale while we continued to work with PNC. There were several offers but PNC would not consider them. My real estate agent ended up getting himself hired by the Trusteee. The bank changed the sale date several times and even though there were offers, they foreclosed on the house and sold it to XXXX of my attorneys. It was my understanding that an attorney could not benefit from their client 's misfortune. I have spent so much time and effort attempting to do my part, only to left with the deceptive talk and work done by PNC. I am hoping there is come recourse. It is my understanding that the house is getting ready to go up on the market again ... ... .. Thank you!