WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo refuses to modify the XXXX mortgage on my home that was originated as part of the first mortgage package. Wells Fargo ignored my request for lower payments for XXXX months, then " researched '' the case for four months, while turning down another modification due to the way it calculated my income. The latest communication from them claims that I was forced into the XXXX mortgages because I had an insufficient down payment and this XXXX mortgage provided the XXXX % down payment needed. In fact, on the guidance of a Wells Fargo 's agent XXXX XXXX, I put XXXX % down even though I had close to XXXX % in the bank. At the time a XXXX % down payment was considered sufficient and they now finance regular mortgages with XXXX % down, so their claim that I had insufficient down payment was false. 
The house is eligible for HARP and the XXXX mortgage was refinanced under Harp. This XXXX mortgage is not eligible because Wells Fargo owns it. I am XXXX of XXXX of homeowners who is a victim of this mortgage scam. Something needs to be done to help us.
On XX/XX/2018, my TD Bank debit card was charged {$84.00} by XXXX XXXX in an unauthorized transaction. 

I immediately messaged TD Bank and asked them to deny the transaction and credit me the debited amount. 24 hours later I was messaged that I was required to go to a TD Bank branch and file a " Form XXXX '' I asked TD Bank to fax or email me the form to fill out ; they messaged me " no can do. '' I explained that I live 50 miles from the nearest TD Bank branch and that I am unable and unwilling to drive that distance. 24 hours later I was messaged to call the phone number to have a customer service person fill out the form for me. 

I tried calling the TD Bank phone line but on each of several attempts was told " the hold time is in excess of ten minutes. '' After my first hold went 20 minutes I hung up and messaged TD Bank again with this complaint. 

I have been a customer of TD Bank for many years. Although the folks who messaged me were in every way polite and respectful, they insisted this is the only way to dispute a transaction. Interestingly, XXXX XXXX has a link on every transaction to dispute it. 

I am still without the {$84.00}. 

Thank you for your help.
I recently realized I lost my check card, and upon checking the account, I noticed Check Card transactions which were not mine. I called my bank, Regions, immediately to report the fraudulent transactions. I received an affidavit form back, which they did not ask me to sign. In addition to the fraudulent transactions, they included several transactions which were actually mine. I faxed the affidavit form back with the appropriate corrections. 

I just received a letter in the mail dated XX/XX/XXXX, stating that the bank has determined not to provide me a credit for any of the fraudulent transactions ( see attachment ). This is a clear violation of the Electric Funds Transfer Act, which limits my liability to {$50.00} on transactions I reported as fraudulent, because I contacted my bank within 2 days. 

Additionally, the bank charged me a {$250.00} excess activity fee on XX/XX/XXXXbased partly on these fraudulent transactions. Approximately one year ago, the Bank had charged me an excess activity fee based on their attaching my debit card to the wrong account. At te time, they mailed me a letter saying they were changing my account type so I would not be charged this fee again. 

Inexplicably, they charged me an excess activity fee this time for transactions which were not even mine!
Disputed charges on GE Lowes XXXX XXXX XXXX XXXX in XX/XX/XXXX District court case in XX/XX/XXXX won with judgment to dismiss with prejudice and failure to provide any evidence. I have submitted documentation to all XXXX credit reporting agencies and to GE Lowes now Synchrony Bank. Only XXXX has deleted account and XXXX and XXXX continue to investigate not abiding by the court documentation provided. GE Lowes ( Synchrony Bank ) informs me they have made the request to the reporting agencies but the agencies tell me there is no such request in the system. I have continued to request written documentation and reference # XXXX of request yet have not received any to date. I have been fighting this for over 5yrs and wish to have my credit updated. I can not believe the cc companies and agencies can continue to not abide by a court rulings and keep my credit hostage.
I recently had my Identity stolen and reported it to the police. A collection company called me concerning a check i did not write. They made me give my address which is something i did not want to do. They were rude and then wanted me to mail them a copy of the police report. I asked the rude lady to email me the address and she said they could not email and was rude and acted like i was the criminal. I am a stand up citizen who is a 20 year XXXX who had a credit score in the XXXX before the theft. I will not be badgered or spoken to in that tone by anyone expecially someone who collects debts for a living.
My ex-spouse passed away. Medical bills for my children that my ex-spouse was legally responsible for were not paid. The bills were being sent to him. I had no knowledge of the bill until I received a notice from my credit monitoring company. I contact the collection agency and was told it is my problem and to take my dead ex-spouse to court. They refused to work with me and told me it is my problem and I have to pay the bill, just before hanging up on me. They offered NO documentation that this bill was valid nor did they made any attempts to contact me regarding outstanding debt. I have since paid the debt even though I have received no proof that exists and have filed dispute cases with the credit reporting just to not have it impact my credit report. I find it unacceptable that a debt owed by my deceased ex-spouse be charged negatively against my credit when I have NO knowledge of its existence.
XXXX XXXX XXXX college falsely charged me for a semester after an issue with my parents taxes, I have a deragatory mark on my credit of XXXX for the National Credit Management open XXXX 2015. They repeatedly called and harassed me for months telling me why did I go to school if I cant pay for it, and that I think Im invincible since I didnt pay it and Im think Im above the law and a criminal, and cursing at me exclaiming they didnt give a XXXX about why I dont have the money. After letting them know I do not want to be called and would be going to the college they repeatedly called and harassed me for weeks after that.
This is a public Audit Demand to retain all documentation proving that all Interest calculated on the account is being APPLIED appropriately. Due to some unfortunate situations in dealing with AES, I've been forced to demand this. If AES fails to produce the documentation I seek, I will make sure to obtain this through the use of my legal rights that pertain to the law. In Summary, AES has resources within their domain who tend to admit when something is right or something is wrong and yet, whenever I ask for the proof of this, they say they don't have it and that it's up to a different department to provide the information requested. AES also fails to provide which accounts they're applying any portion of interest, which misleads the borrower into thinking the interest is being applied as the law says it should. I have yet to believe that AES is doing ANYTHING RIGHT, and stand by that argument until AES can produce evidence suggesting otherwise. I'm in full consideration of seeking legal help to justify my aforementioned claims, because, as a collective, all borrowers that have to be instrumental in dealing with this company will never get the wasted time and money back for the egregious behavior this company is known for and all the headaches that have been distributed to all of these borrowers. They refuse to take ownership of their dysfunctional system and instead refute the claims and " blame '' the lender agreements, without citing which specific detail would cover that. 

Secondly, it's not mere coincidence that all Consumer Affairs websites such as the XXXX and the likes all have comments from borrowers who have the same issue with this company or similar issues. 

I absolutely believe that all of the issues mentioned here have to do with a disfigured conspiracy between legislators and the top executives within this organization. I speak for millions of borrowers and so does XXXX XXXX!
On XX/XX/XXXX I faxed a VALIDATION letter to a company trying to collect on a XXXX XXXX XXXX   bill. I have never in my life had XXXX XXXX XXXX for about 12 years I have been with XXXX. I asked for validation be sent to me with a signature of the owner of the account. I asked them to provide me within 30 days and if they could not provide the proper validation that they must cease and desist on all collections and remove any non validated information from my credit reports. I got a response and the letter is dated XX/XX/XXXX ( past the 30 days ) and all they sent was a copy of a bill, that I asked them not to send a " bill ''.

I want this collection agency to remove me from their system and remove all negative remarks on my credit files. Attached is what was sent an it is not VALIDATION!
Navient has called my job several times after i have specifically told them not to contact me at work regarding the collection of my student loan debt. These are illegal tactics and practices.
XX/XX/2018 To whom it may concern : I have just reviewed my credit report and noticed there are several inaccurate items on my report as follows : My only address is the one ending in zip code : XXXX. Please remove all other addresses that I was never associated with. 

FRAUDULENT INQUIRIES 1. XXXX/XXXX  XXXX XXXX XXXX 2. XXXX XXXX XXXX I never authorized any of the accounts or inquiries and when i requested proof from the creditor, they were unable to provide me with any original contract proof otherwise ; therefore it is the credit bureaus responsibility to remove them immediately and permanently according to FCRA sections 609.
I applied for Mortage loan my credit score was more then enough but he trying to make me pay off older debt from XXXX stuff like for XXXX bucks when no other places require me to do that and i feel like he did it because iam XXXX XXXX
I have spoken to company, Bayview Loan Servicing , LLC. about this incorrect information on my credit report on or about XX/XX/2018 also sent an email on the dated XX/XX/2018.This information was sent to ATTN : Customer Service and XXXX XXXX my account representative for # XXXX. 
Bayview Loan Servicing stating that the company has decided to make XXXX XXXX XXXX XXXX, ( who is primary on this loan ) to make myself XXXX XXXX XXXX ( second position ) co-equal on this loan as of XX/XX/2018. Bayview has put a {$19000.00} arrears on my credit report although I have been making consistent payments on this property for over 10 years, but there is not foreclosure on property. 
I hav n't received a payment coupon book in 10 years for this loan. The interest is 10 % on this loan. My loan was at 2 %, what happened? 
I believe this was done out of retaliation due to me refusing to refinance the loan with this company after, XXXX XXXX asked me four times in the same phone call. 
Thank you, XXXX XXXX XXXX. XXXX XXXX XXXX
transunion credit has billed me the last 2 months on my XXXX credit card - for the months of XXXX and XX/XX/2018 I have never signed up for any service fromtransunion and don't know how they obtained my credit card number.
Original Creditor   XXXX   XXXX  continues to report account on my Transunion report as charged off sold to another vendor. Numerous attempts have been made to Transunion indicating Original creditor sold debt meaning they wrote off the debt on their taxes which also wrote off the obligation to pay. Which means " contract was cancelled '' " NO CONTRACT ''. Numerous letters have been sent via certified mail starting  XXXX    XXXX   thru present. Transunion continues to have the incorrect information reporting on my credit report.
We got behind on our mortgage payment because of loss of income and were forced to relocate. We could n't find a buyer and we have XXXX different renters that did n't pay. We have been contacting our Bank regarding doing a loan modification so we can get caught up on our mortgage. The will not return our calls and now our house is in the XXXX step of foreclosure.
I had received a letter from my previous employer about a data breach. I submit a request to Experian to delete addresses on my report as not mine and they would n't. I provided my current bank statement and a utility bill with my current address and asked them to change my current address and delete the previous addresses as they were n't mine and they would n't.. My current address isXXXX XXXX XXXX XXXX following addresses need to be deleted from my address as they are n't mine. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
According to Equifax ( https : //www.equifaxsecurity2017.com/potential-impact/ ), my personal information was obtained by hackers on Thursday, XX/XX/XXXX and now I 'm at risk of identity theft.
Bank of America sent me balance transfer checks to use up to the credit limit on the account of {$22000.00}. I took advantage of their offer. After they added all of their transfer fees they then reported to the credit agencies that I had exceeded my credit limit. My " very good '' rating immediately plunged  XXXX  points to " good ''.     I feel this is a deceptive banking practice.      1.  They should not allow me to go over my limit if they know the fees will push me over and kill my personal rating.      2.  They should more transparently disclose this issue to annyone taking advantage of their offers.     I called and talked to a representative named  XXXX  and then her supervisor called me. They basically relayed that this issue had been reviewed and the bank followed all policies so there was no error on their part.     I strongly disagree. Reporting that can so quickly destroy a very good credit rating so quickly over such an insignificant amount needs to be reviewed and addressed. The account was over the limit by {$52.00} out of a {$22000.00} credit line and was only over until I received my bill and paid it down as required the following month.
XXXX hard inquiries by CBNA ( XXXX XXXX, 2016 and XXXX XXXX, 2016 ) appear on my credit check provided by XXXX. Neither of these hard inquiries were requested nor approved by me. I was not only living overseas during this time period but also delivered a baby -- seeking an additional line of credit is not something I did. 
XXXX is unable to resolve the unapproved inquiries as they said they only report on the facts. Thus I called Citibank who would not provide me any information other than requested I " contact the credit bureau '' and suggested perhaps there was fraud. 
I believe either CBNA made unauthorized checks on my credit history or someone was attempting to fraudulently open a line of credit in my name.
I am receiving calls from a debt collection company for a non-existent debt. I originally filed a complaint to comsumerfinance.gov XX/XX/2014. The company'w response was that my name was closely associated with one they had a contract with. They admitted they had no contract with my name or s.s. number and said they had removed my number from their system. However, to this day they continue to call me and leave messages that I need to contact someone in their company about a debt.
I was contacted by IC Systems on the behalf of a debt I owed to XXXX XXXX. I negotiated a " pay for delete '' agreement and have since paid the debt. It was paid XX/XX/XXXX. XXXX XXXX has since posted a negative hit to my credit report as of XXXX. I want this removed immediately as the debt has been satisfied.
XXXX this is my prior complaint. 
1.XXXX has unecessarily enclosed 62 pages of private material only to further intimidate its customer. 
2. XXXX has NEVER responded to the letter sent to XXXX XXXX XXXX ( XXXX headquarters ). Why not? XXXX did not allow the customer to sent an email and/or fax and forced the customer to write a letter. 
3.XXXX has stated not to care per XXXX ( badge # XXXX ) American Express supervisor North Carolina XX/XX/XXXX at XXXX XXXX EST. " '' you can send all the letters you want but we wo n't give you any answer ''. This can be found on a recorded tape. 
4. XXXX has been called several times in XX/XX/XXXX and XX/XX/XXXX regarding the letter sent and each and every time customer was told to wait for an answer and to WAIT WITH PAYING THE FINAL BILL. 
5. XXXX has still charged 2 late fees in contradiction with # 4. 
6. Customer called XXXX to finally resolve this on XX/XX/XXXX and offered to pay off the WHOLE outstanding amount adjusted for the 2 late fees. This would be XXXX 7.  Whenever using XXXX chat there is no way to print the conversation. I have asked XXXX ( for ex. yesterday ) to sent me the transcript and/or provide some way to properly document the conversation. All XXXX states : '' we apologize but we cant do this ''. Why not? 
8. XXXX needs to stop lying : stating it credited {$820.00} is not true. XXXX is merely a payment venue with debits and credits going through its payment system. XXXX NEVER gave its customer {$820.00} from XXXX to its customer. XXXX is manipulating the facts as it is well aware that these credits are from 3rd party merchants.
Chase is reporting an account to my credit report that does not belong to me. Originally there were XXXX of these accounts, but Chase correctly removed XXXX of them. However, the XXXX account is still being reported on my XXXX credit report with a negative payment status and history. These accounts were my wife 's accounts and I was only an authorized user, a fact that is clearly verified by the information reported on my report. Since the account has a negative status and I had no payment responsibility for it, the account should no longer be reported on my report. I have disputed all XXXX accounts both with the credit reporting agencies and with Chase directly and, in fact, all XXXX of the accounts, were removed from my XXXX and XXXX reports. XXXX of the XXXX were also removed from XXXX, but XXXX continues to be reported. Although it is possible that XXXX could be at fault for refusing to remove the account, Chase bears ultimate responsibility for the information they report to my credit report, so I request that the CFPB instruct Chase to correct this information.
I understand that the CFPB has increased their focus on student loans, so I am hoping that you will be able to help me with an issue that I was unable to resolve after months of trying with my student loan servicer. I would like to start off by saying that I am a supervisor at a mortgage servicing corporation, and I know that if we made the error that my student loan servicer did, we would not only be able to fix it, but would likely have some regulatory implications as well. 
My student loan payments increased XXXX % without notification, and when I called to find out why, I was told that my student loan servicer ( Nelnet ) miscalculated my payment last year when my repayment began. They calculated my payments based on a 30 year term, when I actually have a 20 year term. This caused my payments to be lower than they should have been, therefore my principal is much higher than it should be, and therefore I am paying more towards interest. I have requested that Nelnet reverse my payments back the 17 months that I have paid so far, and apply them at the amount that they should have from the beginning. Had the correct term been used, my payments would have been slightly higher. I have offered to send in money so my account will not be past due after the corrections. After several hours on the phone with Nelnet, they flat out refuse to do this ( one rep even said it was against their morals ), and blamed it on the Department of Education guidelines. I am not asking for them to give me a payout in any way, I just want my payments applied at the amount that they should have been from the beginning. At this rate, I will end up paying roughly {$2300.00} more in interest due to their miscalculation that they refuse to fix. I am sure that Nelnet has done this to their other borrowers, but they might not have caught the mistake. At this point, I do n't know what I can do to not be penalized for their error. I can make a lump sum principal payment right now to get my principal to where it should be, but that wo n't fix the erroneous interest that has accumulated since my loan originated. Is this something you can help me with? I have documented my most recent calls to them, and have had other issues with their loan servicing - this is just the only one that is costing me money. 
It is unreasonable for Nelnet to expect their borrowers to calculate their own loan payments to ensure that they got something as simple as a loan term correct. This is undue borrower impact, and has impacted me in a significant financial way. I did escalate to their consumer ombudsman, who took weeks to respond and did not follow up when he promised to follow up. At the end of the day, the request was denied and Nelnet said there was nothing they could do to correct their error. This is an unfair servicing practice that impacted me financially.
My husband and I bought a home with a typical loan with BB & T. We planned to renovate and a few months later ( after getting architectural drawings done and hiring a general contractor ) we worked with BB & T to replace that mortgage and close on a construction loan that will convert to a regular mortgage upon construction completion. Our closing statement ( which I will attach to this complaint ) stated we would pay interest only for year 1 in the amount of {$950.00} and then our payment would convert to a typical principal and interest payment in year 2 and continue for the duration of the loan. We received our first bill with a different interest payment ( {$1500.00} ) that accounts for the amount of construction that has been completed to date. While this is logically fine, this is not what the paperwork stated at closing. We feel BB & T did not adequately articulate how our payments in the first year would work. 
In addition, I tried to make a payment both online and by phone for our first mortgage payment and was told that for the first payment I must go into the bank to make the payment OR send a check. No where on the bill does it state this restriction ( I will enclose the statement/bill as well ).
I received a new debit card in the mail for XXXX of my checking accounts ( debit card XXXX ). I did not request a new card for that account because I never use a debit card for that particular account.I called to get a PIN for it on XXXX/XXXX/15 in which I have not received as of yet.Over the weekend I was unable to make purchases, use my card as a credit transaction and retrieve cash from the ATM from my other checking acct ( debit card XXXX ) in which I always use a debit card for. It kept saying wrong PIN.I called and emailed Chase today and was told that the PIN was sent on the wrong account and that I will have to go in to a branch or wait for the new PIN to come in the mail.My work schedule makes it very difficult to do that and I and my children were also humiliated when I could not pay for the groceries I had gotten. I literally had to go home without groceries and without being able to obtain cash from debit card XXXX.