WillisBack/dataset-financial-user-claim huggingface dataset:
A few months ago I received a letter from Wells Fargo stating that they were willing to provide me a modification to avoid foreclosure. I responded to the information requested by Wells Fargo by provided them my financial and employment information. I have submitted documentation to Wells Fargo on over ten ( 10 ) occasions and called Wells Fargo re-entry team over 30 times. Wells Fargo seems satisfied with the financial and employment information that I provided them but Wells Fargo still keep requesting more and more information every time I provided them the information they previously requested. 

It seems like Wells Fargo has a stalling and circular system that is in place to pretend that they are helping, but not help at all. I have provided Wells Fargo sufficient information to make a decision whether or not they want to provide me with a mortgage modification. I have sufficient income for a mortgage modification and pay my mortgage. I will very much like Wells Fargo to make a decision because I do n't see how this wait, hold, and stall process is helping anyone. 
Furthermore, Wells Fargo needs to take its Fiduciary duties seriously and act in Good faith and provide fair dealings with me its customer. I am qualified for a Mortgage Modification. I have provided sufficient information to Wells Fargo to provide me a Mortgage Modification. Wells Fargo seems very unwilling to Modify my mortgage because it is more profitable for Wells Fargo, as a Servicing Agent, to benefit if my property is Foreclose than if Wells Fargo Provide me a Mortgage Modification. 
Wells Fargo need to fulfill its legal Fiduciary duties and provide me and my Family a Mortgage Modification because I am qualified and I have sufficient income to pay my Mortgage if my Mortgage is modified.
I was served a letter stating my wages at my job will be garnished in order to pay back a student loan to CITI Bank. I never took out a student loan with Citi Bank ever. I did have a federal student loan but i paid that back in full in 2010.
I received a debt collection notice in the mail today fro m Tate & Kirlin, Associates, Inc. The  notice says I owe {$130.00} to  XXXX   XXXX . I have no idea what TRS Limited is nor I owe a single penny to them. I tried to call them at the number listed on the notice but have not had any luck getting in touch with a live person. I strongly believe this is a scam.
XXXX lost XXXX payments I made. I filed a claim on the first payment made on XXXX, of {$50.00}. I got credit for this. Then my next payment of {$50.00}, made on XXXX these people charged me {$25.00} and said " customer refused to authorize ''. Per XXXX XXXX XXXX this did NOT happen, and payment was paid by my bank I sent my bank statement from XXXX to XXXX to show them payment cleared my bank and not returned. They STILL confused the credit I got from XXXX payment, with the XXXX payment. They now will not even answer me, very unprofessional. They are trying to cheat me out of {$25.00} for the returned fee. Will not post a {$20.00} payment I made on XXXX XXXX.
Dear CFPB My name is XXXX XXXX and Iam writing you about an entry listed on my credit report which I have tried to have removed. Apparently someone with asimilar name to mine filed bankruptcy in the federal district and with US bankruptcy courts and it appeared on my credit report. Through experian, XXXX and XXXX systems i filed a dispute stating that someone with asimilar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and the federal district and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.
Ca n't see my refund credit back to my credit card account online. Customer service had high call volume and being cut off on phone.
I went abroad two years before graduation, triggering my deferment period. To correct for that, I called Nelnet customer service twice ( once in XXXX XXXX and once in XXXX XXXX ) to request assistance ; I also submitted deferment forms with the proper signatures and authorizations twice. The forms were filled out correctly and addressed to the proper location -- but I 've still been incurring interest expenses for months on end. They also have reported that I missed a payment even though my history clearly shows a payment that 's literally XXXX more than my minimum payment days before the due date.
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX, I placed a Fraud Alert on at all XXXX credit bureaus with my XXXX cellphone number. I changed my phone number when I moved to XXXX XX/XX/XXXX. I understand that the credit bureaus do not keep phone numbers but that the Fraud Alert message has my old phone number. I have contacted all XXXX bureaus ( via phone and mail ) with no success to update this. The Fraud Alert is supposed to fall off in XXXX XXXX. 
Citibank Credit Cards is unwilling to provide me with a replacement card or close my credit card account because my current XXXX cellphone number does not match the Fraud Alert XXXX number. I was told by XXXX XXXX that the Fraud Alert should not affect existing accounts such as Citibank. Since Citibank will not close my account and will not give me a new card, I will be charged the {$95.00} annual fee but will not be able to use my credit card. I feel that this is unfair and they should at least allow me to close the account. 
I 've exhausted all my options. Please help.
I had signed up for a new account bonus with Citi. Here are the terms : Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : - Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
- Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days - Bonus will post within 90 days from the date you complete all of the requirements I have completed all requirements and the 90 day window is now almost two weeks past. I opened the account on XX/XX/2018 and completed the requirements on XX/XX/2018. 90 days after that is XX/XX/2018.

I have contacted Citi multiple times about this, but have received no firm date when the bonus will post.
On Friday XX/XX/XXXX Hurricane Harvey made landfall at XXXX, Texas. Our home at XXXX XXXX XXXX XXXX, XXXX, TX XXXX was severely damaged. On XX/XX/XXXX, XXXX issued a second check for the repairs. All funds from that insurance company are held in an escrow account at Shellpoint Mortgage Servicing to be disbursed by their XXXX XXXX department. That money, from our point of view, is reserved for our contractor, XXXX XXXX XXXX XXXX to pay subcontractors etc. for the work being done. On the contractor requested a disbursement from Shellpoint of {$50000.00} in part to pay drywall installers ( approximately {$20000.00} ) as well as for the demolition and rebuild of our family room, totally destroyed by the hurricane. Shellpoint refused saying only {$11000.00} would be disbursed ... at first. Two weeks later, no funds were forthcoming. XXXX called and was told by XXXX XXXX they are not the contractor of record ... a total fabrication as they sent all required documentation a month earlier. We've been out of our home for over a year. Shellpoint 's unprofessional behavior will keep us out until early XXXX unless they are forced to release those funds immediately. Please help.
I had my student loans closed and forgiven through XXXX 's XXXX XXXX XXXX XXXX discharge, but Navient still shows the account 's as open and in good standing.
i order a XXXX on line which the site said ebay and that i can pay with my pay pal account and that my order is protect. on XXXX/XXXX/2015 i get an email from XXXX saying my package was delivered as XXXX so i get home around XXXX and i see no package so i called XXXX and they said the package was passed off to United State Post Office and that they received an email from the post office that the package was delivered. So i called the post office and they tell me the package was left on the front pouch and i told them there was no package left i told them i went back to my camera that i have outside of my house and it do not show anyone coming in my from gate at the time they said the package was delivered so they open an investagation and gave me a claim number and said some will call me within XXXX hours. witch they did n't it was more like 5 days when i received a call back and the rep. just told me the same thing i had on my compliant form that the package was delivered on XXXX/XXXX/2015 at XXXX i told him this is the same information i put on my compliant tell me something else. I asked the rep. if he spoke with the person that said they delivered the package and he said no i said why not he said they might not remember i told him that 's not an answer he said he would checked with the person and get back with me. a few days went by and i call the post office back and they told me my case was closed i said the rep. i talk to was going to check and get back to me. so i open another case with the same complaint and they told me the same thing. no one did anything about this and i want to know why. right now im out XXXX and my son son do n't have his XXXX.
I am being accused of, by the bank, of perpetrating the fraudulent activity. I deposited a fraudulent check unbeknownst to me at the time of deposit. When I realized that something was " not right '' I went to the bank and tried to explain what happened and the bank representative informed me that I could not do anything at the time and that I should wait to hear from them to pay what I owed on the account. I never heard from the bank. A couple years later I tried to open a new account and was denied. I was informed that I had to admit to being responsible for the fraud committed and pay the bank fees and then they would consider my request to open a new account. After I refused to admit any wrong doing the bank representative informed me that he could not help me nor advise as how to resolve this situation. I have submitted all the documentation necessary to evaluate and support my side of the story. Including the initial email contacting me in this fraud.
My servicing was change from XXXX to Select Portfolio Services , Inc. They have incorrectly calculated my monthly principal and interest payment as well as take out escrow amounts for home owner 's insurance when I pay that myself. 
On top of that, they charge my high late fees since I refuse to pay the additional incorrect amounts.
XXXX   XXXX ,    2017  at around  XXXX  central time a woman named  XXXX   from   Medical Revenue Services ( MRS ) contacted my employer. She stated that she was from MRS and needed to talk to me about some business. My boss stated that sh e was rude and gave me the number. I called and told them not to contact my employer because it was against the law. I will contact an attorney if it continues.
I have sent them several letters asking them to validate this alleged debt they say I owe XXXX XXXX XXXX XXXX. They have not validated this debt, the amount they alleged I owe them nor how they arrived at that amount. Portfolio Recovery Associates have ignored my request that they " desist and desist '' collection activities as required by law until they validate this alleged debt.
On XX/XX/2018 I made a payment at PNC in their ON LINE banking system. The payment was not applied as it should have been. I have made the same payments in the past in the same matter without a problem. The funds for the payment were taken out of my checking account on XX/XX/XXXX. I am familiar with the ACH process and know that a batch file with my recorded payment was submitted by PNC, received by my financial institution ( checking account ) and settled/withdrawn on XX/XX/XXXX. I have made three calls to PNC. Their representatives have admitted their problem but will not apply the payment until they find out what is causing the issue internally. All the while they have been checking into this problem my payment has not been unapplied and the loan is accruing interest. 

I asked if PNC can apply a provisional credit of my loan payment while they investigate the issue. I was told no. Keep in mind my account with PNC is in good standing and I have never been late. Image if this payment would have caused an issue on my Credit Report. It would illustrate as a delinquent loan and cause my score to go down due to no fault of mine. 

Very concerned if they continue with this practice and as a result customer 's Credit Score is decreased when it is PNC 's fault. They must change this practice. If I were to apply for Credit and I could not get a great rate because of a error by PNC. This can cause financial harm. 

Your help in this matter is very much appreciated. 

Best Regards XXXX XXXX
I 've been fighting with Equifax for over TWO years about their reinsertion of information without proper notice to me about it. I 'm sick of writing letters and need HELP!!!!! All other bureaus have deleted the erroneous information, Equifax had deleted it but then like magic they all reappeared without notice. I did NOT do an online dispute but an in writing paper dispute and did not ask for my rights to be waived in using the " expedited dispute process '' which would have waived my rights. I want this stuff GONE as it was deleted prior.
XX/XX/2018 checking my credit report I see XXXX Removed XXXX points from my score for opening an account TransUnion only XXXX with more changes on my report I feel XXXX is doing this to get back at me for the ongoing dispute I have with them .I never heard of that many points takin for opening a account
The company is Equifax. I have a chapter  XXXX  on my report from   XXXX   I have done a lot of research and for a   XXXX   XXXX   it should have been dropped in 7 years. I have gone to Equifax several times to take this off my record, but Equifax will not. This has been taken off the other  XXXX  main credit companies. I would like for your company to have this removed from my account. Thank you
Student loans are more than XXXX and have been closed with original loan servicers paid off and are XXXX through XXXX for XXXX they are no longer delinquent since XXXX. Bankruptcies were XXXX or dismissed but still reporting violating confidentiality. Collection accounts for utilities companies are invalid. Accounts remaing after bankruptcy XXXX. Request removal of all inquiries. This prevents my family from for qualifying for any mortgage. No change in my credit score since bankruptcy XXXX and have opened new auto loan and credit cards. XXXX Equifax and XXXX are the violating companies.
The debt collector called me on XX/XX/XXXX @ XXXX XXXX  to try to collect a debt that my wife owed. I am not on the account and did not apply for the credit card. My wife applied for the card when we were legally separated. I told the agency this and gave them my wife 's cell phone number to call direct. They confirmed they already had it. I asked them not to call me again because the matter had nothing to do with me. They agreed that this debt was not mine so they would follow up with my wife. I received another call on XX/XX/XXXX @ XXXX XXXX with the same gentlemen asking the same questions. I ask him again to call my wife and take my number off their " list ''. He started to ask harassing questions about whether I followed up with my wife, if I told her to call them, etc. I again asked them not to call my number and confirmed my wife 's number again, then hung up.
See CFPB complaint # XXXX. This is a complaint that is completely separate from the complaint below but are connected in terms of the consequences the complaint above is having on the complaint below. 
My stepson XXXX XXXX had a debit card associated with his mother 's checking account with Chase. My wife has a credit card with Chase that is being reported as 245 % over its limit which is the reason behind CFPB complaint # XXXX. 
XXXX applied for a credit card and was denied because he was being reported as having a credit card 245 % over its limit when he does not. Chase claimed this was happening because his bankcard was connected to his mothers checking account. XXXX then closed the account he had in connection with his mother and opened an entirely new and separate card in his own name and with his own social security number and when he applied, he was denied because his credit report list him as having a credit card 245 % over its limit when he does not have any credit cards in his name at all.
I 'd paid my debts on  XXXX   XXXX ,   XXXX   and it 's yet to reflect that on my credit report. After calli ng JeffCapSys as recent as last Thursday ( I was initially told they report on the third Thursday ) which they now say that the company reports to credit bureaus on the third Friday! I 'm sick of it! Fix it!
We are a HUD approved housing counseling agency and we submitted a loan modification package to Di-Tech Financial LLC on behalf of the client on XXXX XXXX, we were consistently following up with the lender submitting documents that were needed to complete the file. DiTech place a foreclosure sale on XXXX XXXX. On XXXX XXXX I spoke with the SPOC on this file and she confirmed that the last documents were received and there was no sale date. The homeowner then sent us a email on XXXX XXXX stating that her home was sold on XXXX XXXX, I then called back into Ditech spoke with the SPOC and she reconfirmed again yes it was a hold on the sale date, however Ditech went through with the sale and hung up rudely in my face I then called back in to make sure she just did not hang up in my face on purpose and the same SPOC said yes the home was sold and hung up again in my face. I truly understand there is never a guarantee that a modification will be done to help a homeowner, but the homeowner SPOC confirmed not once but twice that there was not a sale on this property and she was very very very rude in her communication. No homeowner deserves that treatment rather they are current or behind. We need this foreclosure to be rescinded.
XX/XX/XXXX the company ( fed loan services ) reported that i made a late payment when i was told at the time that i would be in deferment while they processed my income based payment plan application that i submitted in XX/XX/XXXX. it was to my understanding that effective immediately my payment due is to be waived during the process. i was later approved for my current payment and was never informed of this late or non payment made. i have call several times including four times in the month of XX/XX/XXXX as well as four times in the month of XX/XX/XXXX and 3 times in the month of XX/XX/XXXX where i filled out an online dispute application and continuously receive emails stating more information need or not enough information provided for the issue to be resolved. one time in the month of XX/XX/XXXX i spoke to a supervisor who personally walked me through the entire application and assured me i have filled it out correctly and submitted it to receive yet another email stating not enough information provided. they have had this on my credit report for far too long and simply do not plan to remove the false delinquency from my credit report which is holding me back from doing things as far as credit is needed.
BB & T has overcharged my account {$290.00} this year. I have attached the transaction summary of my account from the BB & T website. I have indicated on it where they have overcharged my account. During XXXX there is an overdraft on XXXX/XXXX/16 and the account was not overdrawn. On XXXX XXXX charged my account and it was n't supposed to. When I complained to BB & T, they told me first to contact the company to see if they would reverse the charge. I did so and XXXX reversed the charges yet I was still charged an overdraft fee. Had the overdraft fee not been taken out on the XXXX for no reason my account would not have been overdraft on the XXXX for the XXXX mobile payment, which I was again charged an overdraft fee for. I should have accumulated 1 overdraft fee on XXXX for the XXXX purchase. This one incident overcharged my account {$150.00}. 
BB & T also keep charging my account a maintenance fee, even though the customer service rep told me when I signed up for an account, once my direct deposit started, it would NOT be charged a maintenance fee. So do to this debit, I again overdraft on this account. I was not charged an overdraft but do not understand why I am still being charged this fee when I have had direct deposit. 
I was charged a correct overdraft fee on XXXX and then in XXXX, I was charged {$8.00} each day even though my account was only overdraft 1 day not 7 days. So this occurrence overcharged my account {$24.00} During the month of XXXX I was charged {$72.00} for overdraft fees yet again my account was NOT overdrawn. I should have been charged 1 overdraft fee on XXXX for the XXXX debit. On this occurrence I was overcharged {$110.00} On XXXX I was charged an overdraft fee and my account was again NOT overdrawn. I should only have been charged an overdraft fee on XXXX for the speedway debit. On this occurrence I was overcharged {$36.00}. 
So in total I have been overcharged {$290.00} this year in overcharges. 
The response given by the BB & T representative did not address the issue over overcharges to my account. It appears all they did was copy and paste from a manual. 
So in total I have been overcharged {$290.00} this year in overcharges. 
Please address each occurrence separately. Thank You
I would like to be provided validation or contract from this company for the {$4100.00} debt that they are saying I owe them! I do not have a contract with this company also this company does not have an active license to collect debt in FL state. This debt has been placed on my credit report for the past five years and I have disputed it a numerous amount of times and have requested validation of debt from the credit bureaus to support the debt collectors defense and have never received it.