WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to work with Wells Fargo. Wells Fargo attorneys received an index number for me in XXXX and have been aggressively trying to take my home from me. 
They sent me a letter requesting a face to face meeting with me on XX/XX/XXXX. 
I have had many conversations with the Wells Fargo employees trying to reach a solution. On XX/XX/XXXX I spoke via phone to XXXX XXXX set me up with 3 payments plans : 1. XX/XX/XXXX - {$5300.00} to cover XXXX & XX/XX/XXXX - comf. # : XXXX. 
2.The second for XX/XX/XXXX in the amount of {$8000.00}. to cover XXXX, XXXX & XXXX comf : # XXXX. 
3. Third payment in the amount of {$5700.00} to cover XX/XX/XXXX & XX/XX/XXXX to be called in to Wells Fargo because computer system would not allow representative to confirm the number for the year XXXX. I also spoke with another representative name XXXX on XX/XX/XXXX @ XXXX concerning my payments and another representative name XXXX who connected me with another representative that Wells fargo would not be able to make any of the confirmed payment withdrawals as of XX/XX/XXXX. Putting me 6 months behind after they withdrew payments from my account. I made all of these payments and was not given any credit for all of my payments and they put me in foreclosure. Please help! 

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talk to the original creditor if they informed me that the dead is 20 years old good standing with the company you can open an account at any time send a letter on XX/XX/XXXX to collection agency along with all three credit reporting agencies and XXXX XXXX They have not responded within the 30-day. They have not removed the claim from my account I have no contract with this agency it before no services for me they are committing fraud I want this account removed XXXX XXXX c/o resurgent capital services for a XXXX account for XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Our mortgage modification was denied by our servicer Bank of America ( BOA ). We checked with XXXX XXXX XXXX XXXX through XXXX and they confirmed that we are clearly qualified under the HAMP but BOA still denied us. In their denial letter BOA did not even consider the PRA that we requested. In the same letter BOA states that we are approved for Short Sale and they will release their mortgage lien on our property even though they will accept proceeds that are less than the amount we owe. They say that they are willing to accept a lower amount in a short sale but not reduce our principal in order for us to be able to afford and continue to stay in our home. 
Our mortgage is not owned or guaranteed by Fannie Mae or XXXX XXXX. 
We owe more than our home is worth. ( We owe {$480000.00}, the property is worth {$260000.00} ) We occupy the house as our primary residence. 
We obtained our mortgage on or before XXXX XXXX, XXXX. ( Origination date XXXX/XXXX/XXXX ) Our mortgage payment is more than 31 percent of our gross ( pre-tax ) monthly income. ( Current mortgage payment {$1600.00}, our monthly gross income is {$3500.00} ) We owe up to {$720000.00} on our XXXX mortgage. ( We currently owe {$480000.00} ) We have a financial hardship and are delinquent in mortgage payments. 
We provided sufficient, documented income to support the modified payment. 
We have not been convicted within the last 10 years of felony larceny, theft, fraud or forgery, money laundering or tax evasion, in connection with a mortgage or real estate transaction. 
We even reduced the homeowners and windstorm insurance on our property in order to reduce our escrow but BOA still is refusing the modification. 
Our loan was originated by Countrywide Home Loans and then in XXXX it was assigned to XXXX as XXXX for XXXX XXXX CWALT Inc ( certificate Series XXXX ). CWALT is Countrywide Alternative Loan Trust. So no one knows who the real investor/owner of our loan is and BOA is our loan servicer who is refusing to modify our mortgage which may force us to loose our home. Up to date we paid to BOA over {$250000.00} for our {$460000.00} mortgage loan and according to their statements we still owe them {$480000.00}. We also understood that BOA is fully capable of internally modifying mortgages up to 25 percent of net monthly income as well as offering substantial principal reduction.
Called a former workplace and left detailed information about my private debt. I have told them repeatedly I no longer work there and they keep calling. I have repeatedly ( for several years ) told them to cease and desist from contacting me. I have no interest in dealing with them. I have sent written request and verbal request on multiple occasions.
I filed dispute with Equifax do to XXXX reporting an account that was with XXXX. I disputed charges via pay pal and was refunded full amount after a lengthy investigation. The company had 60 day for final response and did not do so. I have requested for this to be removed from my credit report and provided proof of refund to Equifax , XXXX and also XXXX.
A collection showed up on my credit report. Prior to this I received no notice of a debt owed, explanation of what it is for your the dispute process. The amount was just added to a previous bill already with the same collection company.
I have a credit card opened in my name that I did n't open. It has been two weeks and they said they were going to send paper work, but they said no paper work they are just going to call my credit companies and have it removed. I purchased a pair of glasses at XXXX and the next day someone opened a credit charge account at the store. It has made a severe Impact on my credit score, beings that my credit score is really good.
XXXX/XXXX/2015 XXXX fraudulent transactions were charged to my serve prepaid debit card from american express I immediately contacted american express customer service, they stopped XXXX of the transactions from posting, but the XXXX other fraud charges were posted AFTER I had spoke with their csr - those XXXX transactions were debited to my account, and the csr told me they will cancel the current card, reissue a new one and that I should transfer all active card prepaid funds to my serve reserve account so the fraud would not continue. I did as I was told. 

received the new card, however American Express Serve Card has locked my account. I can not use my funds that they have, since I can not access my account nor activate the new card. 

I escalated to a supervisor at the XXXX Call Center they can not do anything my account still controlled by their fraud dept I have spent a total of 161 minutes on the telephone with the Serve Customer Service team located in the XXXX the Customer Service Rep states they will connect me with their frad department which has locked-out my account - THE CSR NVER CONNECTS ME TO THEIR FRAUD DEPARTMENT They are holding my funds and I have no way to have any type of access too my funds via their prepaid debit card or my account access. 

I AM TOTALLY LOCKED OUT AND THEY ARE HOLDING MY FUNDS.
There is an error on my credit report from XXXX XXXX that states that I was 30 late which is not correct. I was never 30 days late, the dates for this dispute are as follow ; XX/XX/17 confirmation # XXXX, XX/XX/17 confirmation # XXXX XX/XX/17 confirmation # XXXX, XX/XX/17 confirmation # XXXX. These disputes were not successful my report still show 30 days late. I have obtained documentation from the creditor that proves that they were in error and to have this report correct. Equifax is still reporting 30 days late despite of the documentation that was faxed to them on XX/XX/17.
Care Credit, also known as Synchrony Bank, will not allow me to pay my accounts online due to requiring an updated phone number. In this field, it states a phone number is required. It also has a disclaimer, that you can not opt out of, stating the consumer grants permission to Synchrony/Care Credit to call cell phones. I spoke with customer service and they would not give me a way around this prompt so I could pay my bills online.
On XX/XX/2018, I went to my local Capital One branch to inquire about opening up a credit card with Capital One. I had already had the Signature Card through Capital One but was not receiving any benefits or rewards with this card. I was inquiring about two different cards, the Quicksilver Card ( a cash back card ) or the Venture Card ( a travel rewards card ). 
I met with an employee named XXXX at the local branch who said I should open up both cards. I was reluctant because I have excellent credit and I knew that opening up two credit cards at once was not a good idea. XXXX then suggested upgrading my current Signature card to a rewards card and I would still receive the benefits and rewards. The rewards with the Quicksilver card, according to XXXX, were 15 months of 0 % interest, and a {$150.00} bonus, if I spent {$3000.00} in the first three months. I was hesitant because {$3000.00} seems like a lot of money to spend in three months but XXXX assured me it was doable. XXXX then called the Capital One Corporate office to check that this was possible, which I later found out that was strange that he even called, he should have been able to upgrade my card right from his computer. 
After receiving the card in the mail, about a week or two later, I did as I was supposed to do, in order to get the {$150.00}  bonus. Upon checking my credit card statement in XX/XX/XXXX,  I noticed an interest charge of {$66.00}. Confused, I called Capital One. I was then told that I was not eligible for the rewards that I was originally promised by the Capital One employee XXXX, as this was an upgraded card. I was never told ( by XXXX nor the Capital One employee on the phone that day ) that the rewards were only for new card members. I even spoke to the Capital One Corporate employee that day on the phone after XXXX did, and nothing was mentioned about the rewards not being available with an upgraded card. Had I known that, I would have just opened the Quicksilver card on my own, as I said, I have excellent credit. When I was read the vague disclaimer by the employee on the phone that day, she mentioned that there would be a change in my rewards after upgrading the card, but I thought this meant that I was going from having no rewards with the signature card, to actually receiving rewards with the Quicksilver card. Never once was it mentioned to me that I was not eligible for the rewards. 
Now I have racked up a {$3500.00} credit card bill originally under the impression that I would have 15 months to pay it off but Capital One clearly has employees that are conducting deceptive business practices. After many conversations with multiple different corporate employees as well as local branch employees, this seems to be going nowhere. I have asked Capital One to review the case and they have denied my appeal to receive the 15 months at 0 % interest. Most recently, I was told that the case is closed and that I can no longer file additional appeals to have this case reviewed.
Around XXXX 2015 I added XXXX authorized user cards to my existing XXXX XXXX credit card accounts. These were not new accounts. They were only additional cards for accounts that already existed. A month later I discovered these XXXX additional cards are listed on my Equifax report as new accounts. I believe Equifax refers to them as " duplicate accounts. '' As a result the available revolving credit reported by Equifax exploded to {$67000.00}. I am seriously concerned that this, along with the fact that XXXX new accounts were added to my credit report, will significantly impact my ability to obtain future credit at favorable terms. 

I have filed a dispute will Equifax to correct this problem. I have called them and have been placed on hold for hours, but Equifax has not corrected their error. I am not sure that the telephone representatives I 've spoken with really understand the issue. It is extremely frustrating for me. 

I appreciate whatever help you can provide in order for me to correct the inaccurate information on my credit report.
What should be one 30 day late payment is showing as " in collections '' on my XXXX  report. I have already talked with XXXX  and XXXX about this discrepancy.
XXXX XXXX, Issurer of Walmart Mastercard, continually shifts log in methods rendering it difficult to monitor the account. THIS IS A SECOND COMPLAINT ABOUT THE SAME ISSUE. Their online service will now not accept my passcode. Their online service offers two ways to reset passcode, by text or phone/voicemail. Their system would not accept by phone/voicemail, offering text only. I DO NOT TEXT. I HAVE ONLY A BASIC PHONE. I 'm going on XXXX years old. very few elderly text, so they are discriminating against the elderly. Then, in a telecom, XXXX manually sent me a 4 digit code to put in so that I could reset my passcode since XXXX 's system refused to accept my original passcode. That code was was repeated electronically over and over until I hung up, which was XXXX. Synchrony 's system refused to accept the code given, XXXX. I can not view my recent activity and I suspect XXXX and/or Walmart are hiding something or discriminating against me to the extent that I will just quit and pay whatever they say I owe. THAT 'S NOT GOING TO HAPPEN. AT THIS JUNCTURE, IT APPEARS TO ME THAT THEY ARE " CUTTING OFF THEIR NOSE TO SPITE THEIR FACE ''. So they want to play games, they came to the right place me being from XXXX, NY, and a staunch supporter of XXXX XXXX, hopefully one of our next Presidents. I am going to pay off the paltry balance and put a " FREEZE '' on the card. I have other sources to utilize so Synchrony wo n't even get the XXXX cent or so swipe fee. Walmart is a criminal enterprise anyway, having been convicted of criminal offenses, stated upon information and belief. Myself, no criminal record, no traffic record, no nothing.
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor Information XXXX   XXXX  XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within 24 mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %.
I have reason to believe that AES/PHEAA is not allocating payments fairly with respect to current legislation for Student Loan lender laws either Federally or by State. AES/PHEAA is growing to be an increasing problem for many borrowers. While they maintain they are just following protocol, they are engaging in illegal practices by only applying small figures of a total Payment to loans in their favor. Should they disagree with this analysis, I am challenging AES/PHEAA to send a copy of all financial transactions in the last 6 months for where any partial part of a total payment was applied. For historical accuracy, AES/PHEAA should provide a detailed breakdown of what exact amounts were applied to what Loan account.
I was given instructed by my nephew to deposit his check into my account to pay his rent. I deposited the check into my account. The bank did not credit my account. Instead they put a hold on the check. I called to ask why and was never given an answer or notified by mail as to what the problem was. I contacted my nephew as to the problem, but he XXXX unable to get any paperwork done on the matter. Since he is in XXXX, I cant help at this point. The problem now is that the bank is taking my money to cover a check that is still on hold. Right now they have taken XXXX dollars of my money and my account is XXXX overdraw for the balance of the check amount. I cant use my ATM, or debit card to pay any bills, I am literally without any banking. I do not know why they are taking money from my account, when the check I deposited is still on hold. They never put that money into my account They are literally stealing my money to cover a check that they never cashed for me. I spoke to someone in the corporate office in XXXX and they do n't know why the branch manager is holding the check. This is unusual because a week or so before I deposited a check from the gentleman the rents a room in my home. It was his S.S. check. He signed it and I put it in my account. There was no problem with that check. I need for this matter to be looked into because my XXXX check is direct deposit. How is it that they can go into my account an manipulate it the way they want. What does my money have to do with a check on hold in the account.
Hello, I am complaining about XXXX XXXX AKA XXXX XXXX XXXX AND equifax. 
On XX/XX/18, I discovered accounts on my report. I reported these to all 3 credit bureas. Equifax has not responded nor has XXXX XXXX XXXX. On XX/XX/XXXX, I called equifax. On approximately XX/XX/XXXX, equifax added an additional unknown account to my file called XXXX XXXX. Dispute is also noted next to my new credit card account ( which is not disputed and I opened a few days ago to build credit in preparation to buy a home. There are {$1.00} payments being added and subtracting from the XXXX XXXX aka XXXX to make them active. I found out XXXX is using unknown credit cards from XXXX years ago and renewing the the active dates to harm my credit score. I opened XXXX online disputes, however, I am denied access to them with the reason saying " unable to verify your information ''. I received the same thing with an email dispute. I have held on the phone for 3 hours trying to reach equifax personnel in disputes. It is a difficult process that only tells you what you have already read on your report. Questioning equifax about XXXX XXXX resulted in an immediate XXXX point drop in my credit the next morning with no explanantions. I have waited since XXXX. The 30 days are way past what I should wait. No call, no email, not 30 response.
Dear CFPB Office of the Ombudsman : My student loan servicer XXXX who services federal student loans to the credit agencies EXPERIAN, XXXX XXXX, XXXX may have violated the Fair Credit Reporting Act and other credit reporting laws. 

There is reason to believe that the loans serviced by XXXX where not properly serviced or reported based on the following occurrences. 

Reported Timeline ( historical ) data removed No data credit reporting Reported balances after consolidationXX/XX/XXXX Incorrect address reported ( XX/XX/XXXX) I understand that any inaccuracy including material inaccuracies may be grounds for injury-in-fact and other harm. The data furnisher XXXX and the credit bureaus EXPERIAN, XXXX XXXX and XXXX  blame the data furnisher for the reporting inaccuracies and or credit redactions. 

I am requesting an audit of the reporting history of fifteen federal student loan accounts held by XXXX, and the three credit bureaus update their records according to the complete account history ; ( XXXX ), that includes all historical data, date opened, and historical timeline, and the loans are paid and consolidated. 

The loans have been consolidated XX/XX/XXXX to a different servicer. 

Customer service representatives at XXXX said to me that disputing information to the credit bureau will cause credit score decreases because they will respond that the information was frivolous and accurate. This also indicated to me problems with the servicers dispute and resolution process and what procedures they use in cases of disputed accuracy and my rights under Federal law including the Fair Credit Reporting Act. 

I am asking the Ombudsman to investigate credit reporting activities by the servicer XXXX and audit of the credit reporting history from XXXX. I have scanned copies of the credit report from EXPERIAN to show the reported timeline. 

Sincerely, XXXX XXXX
Our mortgage was transferred from  GreenTree to DiTech Financial i n   XX/XX/XXXX   and was paid in full on   XX/XX/XXXX .  As per  DiTech Financials payo ff letter, our principal balance was {$13000.00} ; our escrow balance was {$1200.00} ; interest was {$34.00} good throug h  XX/XX/XXXX . Inter est per day was quoted as {$2.00}.  DiTech received a check on  XX/XX/XXXX  for {$13000.00}. DiTechs principal a nd escrow balances matched my recordkeeping.    Ditech mailed  an escrow check for {$1200.00}. Their check to us was {$58.00} short! I called the company o n  XX/XX/XXXX  to inq uire as to why our check was shorted {$58.00}. I was told it was because our payoff check was short and they took {$58.00} from our escrow to close the account. Knowing this was not correct, I asked for an explanation. The customer service agent agreed that the payoff was not short and stated she was sending our account to loan servicing for a review. I was told the same story on my subsequent phone calls  on  XX/XX/XXXX ,     XX/XX/XXXX  and  XX/XX/XXXX .    O n  XX/XX/XXXX , I mailed a certified letter to Ditech asking for an explanation. Finally, I received a letter from DiTech dated  XX/XX/XXXX  stating their records indicate the payoff was NOT SHORT and this account was paid in full and closed on  XX/XX/XXXX . The letter didnt say anything why o ur escrow check was shorted and didnt include a check for {$58.00}. The letter did state if I had any further questions or concerns, to please contact (  XXXX  )  XXXX . As such, I made more calls on   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . Again, I was told the same story, our account would be sent to loan servicing and I would receive a call back. It has now been 10 months and DiTech has failed to respond, has lied, and uses diversionary tactics. I am DEMANDING DiTech immediate ly send a check for the {$58.00} they owe us from our escrow account!