WillisBack/dataset-financial-user-claim huggingface dataset:
I 've been receiving calls daily from merchants credit guide for some medical bills. Last month we paid off a few of the debts, and I had asked if that was all of them, they had said yes. Today I received a call from them that I missed. I called them back to see what it was about. The lady on the phone was immediately very rude and not very nice. She had extrmeme attitude and began yelling on the phone at me. I asked for her name and all she would give me was a first name. All I wanted was information about my debt and all i got was anger and frustration. I spoke to her supervisor, who acknowledged her behavior and apologized, but I wanted to make a formal complaint against them, because it probably happens daily.
Upon purchase of our home we were given a 9.53 % interest rate and were not able to maintain our payments. We fell behind around XX/XX/XXXX and applied for a loan modification. We were recently approved for an increased payment and the same 9.53 % interest rate. Shellpoint services the loan on behalf of XXXX XXXX XXXX AS TRUSTEE FOR XXXX XXXX - XXXX and stated that the investor will not lower my rate and Shellpoint said if I want to keep my home this is what I need to accept
I graduated from XXXX XXXX University in XXXX of XXXX. I have been on the search for jobs since I was let go at my former XXXX ( I am a XXXX ) almost a year ago. Back in XXXX I had submitted a complaint with the XXXX about Wells Fargo reneging on the in-school forbearance policy and was able to get them to defer it until I had properly graduated. I told them what my official date of graduation would be ( XXXX XXXX, XXXX ) and according to my account information on XXXX my forbearance period was shown to hold until XXXX of XXXX. 
Much to my surprise I received notification by mail on XXXX/XXXX/XXXX that they are once again reneging on a documented date of forbearance claiming that I had graduated and thus the date was updated. I totally agree that in-school forbearance should only last until I 'm out of school however, I had electronic data telling me that my forbearance would be good until XXXX of XXXX. Given that I do not have a job yet ( but am closing in on a few ) I really needed at least 6 months of forbearance after I graduated to give me time to find and settle into a job, at which point it was my intention to start paying on this private loan. 
But it is my opinion, and no doubt the opinion of countless other consumers, that spontaneously changing due dates on a whim is EXTREMELY bad business practice and should be illegal ( if it is n't already? ). Wells Fargo had the date of my graduation and if they intended on cancelling my forbearance after my graduation date then that date should have been the XXXX on my Wells Fargo account showing me when exactly I should expect to need to start paying. 
Nonetheless, I had called on XXXX/XXXX/XXXX to confirm all of this and inquire about getting a deferment based on unemployment or whatever could postpone me until I find a career and was told that the maximum deferment period would only be two months and that I needed to make a " good faith payment '' in order to be CONSIDERED for said forbearance ( i.e. it was n't a guarantee ). Luckily I 'm aware that if I type in " Wells Fargo XXXX me on forbearance good faith payment '' into XXXX and other consumer-watchful searches I could come up with dozens of people that have had this " Good Faith Payment '' backfire on them. 
The bottom line is that Wells Fargo is not being considerate of their consumers that are recent graduates and are reneging and changing due dates whimsically ; its unprofessional and should be illegal. And the requirement of having to make a " good faith payment '' in order to be considered for forbearance makes no rational sense ( if I had money to make a payment, why would I need forbearance in the XXXX place? ) and is highly suspect. Please do something about this!
Re : Unauthorized Credit Inquiry I recently received a copy of my three credit reports from Experian, XXXX  and XXXX. The credit report showed a credit inquiry by XXXX XXXX XXXX XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank by phone to close my secured credit card account but by no means should they have run a credit check just to close my secured credit card account. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail to XXXX XXXX because I need their prompt response to this issue but I have not received any responses. Please be so kind to have this unauthorized inquiry removed. 
I am closing all my accounts with the bank next month ( XX/XX/2018 ) and will no longer be doing business with them. I am going to file a police report for identity theft as well.
On Monday XX/XX/XXXX, I contacted Alliance One by phone in regards to an account that was issued to them from XXXX XXXX Municipal Court ( XXXX ) in XX/XX/XXXX for {$470.00} which they said had now accumulated to well past {$1000.00} due to interest fees. I notified them that I was totally unaware of the existence of this debt and that I would like to settle the account out or make payments and asked how much they would be willing to settle for. I was then told that there are other accounts in the office and that the total amount was well over {$5000.00} and that they would only speak to me about the entire amount. I notified them that I dispute any other amounts that they claim I owe and that I would like to speak to a supervisor to make payments for this specific account from XXXX XXXX Municipal Court only. I was then told in regards to me paying that the whole amount ( $ 5000.00+ ) or no amount would be accepted or negotiated therefore they were denying to receive my payment. I asked to speak to a supervisor and was placed on hold and then without warning, was transferred to a voicemail.
XXXX XXXX XXXX reported me as a delinquent debtor on my credit reports in XX/XX/XXXX without ever contacting me to inquire about the ( erroneous ) debt of {$430.00} They got the collection assignment from XXXX for service to a residence in XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( account XXXX ). I have lived in XXXX XXXX, Pennsylvania since XX/XX/XXXX! This account was fraudulently put in my name. When I contacted XXXX this past spring to inform them that the debt wasn't mine they refused to remove the bad debt report from my credit record and said I would have to take it up with XXXX without providing any information about the XXXX account. I, again, called XXXX in XXXX of this year and insisted that they research the bad debt. They gave me a XXXX phone number and XXXX gave me an account number. I, then, filed a fraud report with XXXX but purposely left off my Social Security number ( which they really don't need to resolve this issue as they had the account number, my PA driver 's license, my address and my phone number ). XXXX called to say they would not process my fraud claim without a full SS #. I offered to give it to them over the phone. They refused, and said I could fax it to them. My fax doesn't work, so I mailed it to them. They then refused to process it bc it wasn't on their " fraud form ''. I have resubmitted a complete fraud form by registered mail to XXXX but it is clear to me all their privaricating is simply to delay processing my fraud claim and their data collection is solely meant to get my current personal information so their collection agency can harass me. This was proven out because XXXX, who had never sent me a single piece of mail in the interim four years, immediately sent me a collection notice. How is it legal for a collection agency to defame one 's credit rating to a credit rating agency without EVER contacting a person for collection or to determine whether the claim is, in fact, genuine? And how can XXXX claim I owe them money when I haven't had their service since I moved to PA in XX/XX/XXXX!!
I filed for acceptance in the XXXX program with my servicer, Wells Fargo Home Mortgage. I was denied acceptance into the program for the Underwriter intentionally miscalculated and included my bankruptcy payment. They had been notified that the bankruptcy was to be dismissed, not discharged, on XXXX XXXX, 2016. Not once was I offered assistance with the XXXX Program. I contacted the XXXX number and was counseled by XXXX XXXX. I contacted XXXX and am now awaiting assistance from a XXXX who contacted me on XXXX XXXX. XXXX XXXX, who is assigned to work with me at WFHM stated I was denied for the XXXX because my investor rejected it. When I asked her the name of my investor, she stated XXXX FHA. On XXXX XXXX I received a call from XXXX stating she was with the XXXX XXXX of XXXX. She conferenced XXXX into the conversation and prompted her to look for the qualifying criteria for the HAUP. XXXX ( after stating to us she was familiarizing herself with the program while on the phone with us ) stated to me in order to qualify for the XXXX that I had to be actively seeking unemployment and that 's the reason I was denied, for I did n't state on the documents that I was actively seeking unemployment. I thereby stated, " Anyone with common sense knows that if you are receiving unemployment in the state of Texas, job search is a requirement and nobody told me that I had to state that on the documents that I faxed in to them for the HAMP program. Nowhere on the forms does it ask are you actively seeking unemployment. '' What kind of games are they playing? 
I submitted all requested documents timely. The point is .... Although I submitted my award letter from the State of Texas verifying I was unemployed ... Wells Fargo FAILED to consider me for the Unemployment Program. 
I was transferred to the Special Forbearance Dept of Wells Fargo by XXXX on XXXX XXXX and spoke to someone who identified themselves as XXXX XXXX. He assured me someone would contact me on XXXX XXXX. No one ever called. Now I 'm being told to resubmit paperwork for an appeal. Why do they send people through this unnecessary stress? 
Did n't the Federal Government allot monies for these programs so the investors at this bank would be compensated? 
They never offered to extend the duration of my mortgage to lower my payments. 
They never offered to reduce my interest rate to lower my payments. 
Their only offer is a short sale or deed in lieu for my home! 
It 's as if they intentionally SET THE HOMEOWNERS UP FOR FAILURE! That is their intent! 
Now, I do n't trust them to have my best interest in assisting me in keeping my home. 
They are going to get their money, just work with us, but ... unfortunately, they do n't seem to care. 
My prayer is XXXX XXXX for Wells Fargo Home Mortgage. 
Shame on you Wells Fargo Home Mortgage.
I PRESENTED XXXX WITH MY ALABAMA ISSUED DRIVERS LICENSE FOR THE PAST 17 YEARS. SOMEONE WAS LIVING UNDER MY IDENTITY IN XXXX XXXX NEVADA IN XXXX, XXXX. I LIVE IN ALABAMA AND NEVER LIVED OUTSIDE ALABAMA I HAVE ASKED XXXX TO REMOVE ALL NEGATIVE ACCOUNTS FROM MY CREDIT FILE ASSOCIATED WITH XXXX XXXX NEVADA BECAUSE THIS IS NOT ME! THERE IS A XXXX XXXX XXXX XXXX. THERE IS A XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. ATTACHED TO MY CREDIT FILE THAT IS NOT ME. THESE NEGATIVE FRAUDULENT ITEMS ARE RUINING MY CREDIT FILE ALSO THERE IS A XXXX XXXX AND A XXXX XXXX CHAPTER XXXX THAT SI NOT ME. WHOEVER DID THIS I HAVE RESEARCH BETTER THAN XXXX. FILED THIS CHAPTER XXXX ONLINE PROSE. NOT ME PLEASE INVESTIGATE AND CORRECT MY CREDIT FILE. THIS IS MY 2ND ATTEMPT ASKING FOR A RE INVESTIGATION. I HAVE DOCUMENTS FROM ALABAMA THAT SHOW I FILED ALABAMA TAXES XXXX PLEASE CORRECT YOUR RECORDS.
Most recently - they closed my savings account without giving me prior notice ( of ANY KIND - no email, letter, phone call, nada ). When I called the XXXX number to ask what was going on, the woman told me she was unable to give me any information and that I needed to call the branch. When I called the branch she told me that they do n't have anything to do with closing accounts and that I needed to call the XXXX number ... ... eventually I was informed that if my account had a XXXX balance for 3 months they AUTOMATICALLY close the account - I maintain that they should be required to let me know they are going to do that ... ... 

In the past year - they have replaced my atm/debit card three times - with no explanation. On XXXX XXXX I left to go on vacation and discovered that they had de-activated my atm card, stating that they had mailed me a new one that had never been activated ... .I never got the other card. Spent over an hour on the phone while they re-activated my card and then shipped me out another new one. The original rep I talked to was unbelievably rude, and put me on endless hold when I asked her to transfer me to a supervisor. 

The branch notified me almost 6 MONTHS after I ordered them that they had my checks ... ..I placed that order 3 TIMES and NEVER got the personalized checks I asked for and ostensibly paid for. 

Overall, the phone reps I have talked to in the last two years do n't seem to know what they are doing and they are rude. 

I used to be super happy with this bank, but the last two years I have had increasingly poor service and I now have absolutely NO CONFIDENCE with this bank - where I have had an account for over 20 years.
Hello CFPB, Over the weekend I found that Transunion was reporting a collection for a XXXX XXXX XXXX XXXX.I have never received anything from a business by this name and have no issues with a " XXXX Hospital ''.
XXXX XXXX XXXX XXXX XXXX is reporting a collection account on my credit report with all three bureaus that they have not been able to verify it should be in collections at all. I wrote to the credit bureaus and they responded that the account was verified. 
On XX/XX/XXXX, I wrote to XXXXXXXX XXXX XXXX XXXXXXXX directly and in a response letter dated XX/XX/XXXX, they sent a copy of a bill from an electric company dated XX/XX/XXXX with an amount due by XX/XX/XXXX. This does not prove in any way that the payment was not paid on time. It does not prove or show that the payment was paid late. 
I read on the internet the Fair Credit Reporting Act and it says that the information has to be accurate if being reported by the credit reporting companies. If I didn't get a valid verification directly from the comapny, then how can they say they did? Wouldn't the company send them what they sent me? 

Thank you so much!
XXXX XXXX XXXX has put {$1700.00} collection on my XXXX report I have sent 3 letters asking to verify debt letting them know Im unaware. They have not responded once asked XXXX to verify or remove on several occasion. They state that debt was verfied I ask how they did not provide answer. Last attemt I sent out was XX/XX/XXXX, to both parties XXXX XXXX came back an stated that debt was verfied on XX/XX/XXXX, How is that when I asked you the next month? Please help me to get this bogus debt removed from my XXXX file there the only agency reporting this.
As shown on the attached scan, BB & T has opened Banking Accounts ( checking I believe, and an e-Savings account ) and a credit card which I did not request. It appears they were opened on XXXX XX/XX/2018.
same creditor information on my report twice. its the same account but listed twice on my report. when dispute they keep saying account has been verified to be yours and accurate. I 'm not disputing the account is mine, I am saying its the same account on there twice. same start date and everything have asked them to remove duplicate several times and they keep saying the same thing also will not remove outdated information. I have several accounts that are past the drop off date ( date of last payment and date of last activity is past 7 years and have requested that they be remove from credit file and keep getting the same response. this account has been proven to be yours and information updated. again I am not disputing it was mine but that it is past the drop off date and I request it be remove from file. I have had a REAL problem with Equifax when it comes to removing incorrect information, outdated information and information to drop off. also I sent them a money order that stated the creditor agreed to remove negative information from credit report once money order is received and cashed. it is written on the money order. the creditor received and cashed it and the item is still listed on my credit report. I included a copy of the money order with the dispute and received the same reply each time. this account has been verified to be yours and has been updated. again I am not denying that it was my account but that the agreement was to remove it from credit file was money order was received and cashed and it was. I do n't know if they see multiple disputes from the same person and just send an automated response, but what I do know is that my request are not being addressed. please help. thank you
I was in good standing, had some financial problems after a few deaths in the family, called asked for a deferred payment since I only owed less than {$200.00} ( XXXX more payments ) and I was n't even 1/2 through the class was told ok but they took it out of my acct any way putting my account in the negative, when I called again and asked why it happened I was cursed out, called all types of names and that I do n't want to pay. So I cancelled from credit union that they can no longer withdraw funds from my account, then that followed with more threatening phone calls until I had my number changed. Have received settlement letters with reduced price, but I wasnt even taking the class anymore and had only XXXX more payments, if they would have deferred just XXXX payment like they had agreed, instead of costing me more money in overdraft fees, I could have paid the next XXXX payments and finished the class. I paid way more than the materials and lessons I received. I even tried to tell them I would pay if I was aloud to finish the class, but that was before I was called names and receiving the threatening calls.
Bank cashed a check with no endorsement or tracking information. Bank cashed check on XXXX XXXX. I ask for a copy of the check, when the party to whom it was written informed me that he had not gotten it. I received a copy of the check XXXX XXXX. 
XXXX XXXX, I called Citibank to inform them of the fraud. I received a complaint number, and was told that an affidavit would be sent by mail. I called many times, because I received no affidavit. On XXXX XXXX I was told I could go to any branch and fill out an affidavit. XXXX XXXX I did so. XXXX XXXX I called Citibank for an update and was told they did not receive the affidavit from the branch. They say they are sending the affidavit again by mail. They say this could take 90 days to resolve. Why? This was my rent check.
Sold home mortgaged by Mr. Cooper on XX/XX/18. 
Payoff amount of {$230000.00} was wired to Mr. Cooper on XX/XX/18 Mr. Cooper is now saying that they are short money because of insufficient funds in escrow because of a payment made for property taxes. 
Escrow funds were available and we should have funds refunded to us around {$800.00}.

My wife and I have spoken to 4 different people, including a manager and an escalation agent and have gotten no where with their investigations. They do not return calls or emails.

The house is no longer under our ownership and this issue is affecting our credit.
I need to respond to the company - CapitalOne - mailed response dated  XXXX   XXXX ,  2017 a nd conspicuously not provided as supporting documentation as attachment to the previous complaint referenced as CFPB No. :  XXXX  and now closed. I am once again turned down for any assistance for hardship program. But more disappointingly - statements are made in this communication that are vehemently false and show poorly on my character and my attempts to make good faith payments. The payments  may be   small but I am willing to sign on for a set period of time. This is not good enough for them and now I 'm being threatened with Attorney actions.     In my continuous effort to seek assistance due to hardship circumstances I find myself in at this time - which have been ongoing for the last 6 months but, as I 've stressed - are only temporary and leave me with no steady income at this time, a communication received by way of letter dated  XXXX   XXXX ,    2017 summi ng up our last phone interaction of  XXXX   XXXX ,    2017  has several false statements made.      1 ]   XXXX   XXXX ,  2017 sta tes " ... our previous responses addressed your concerns and our decision has remained unchanged. '' They have not even attempted to assist by way of offering a paydown hardship agreement no any effort to freeze or lower the current APR ongoing for a determined time period which would assist me greatly.     I have been able to secure hardship paydown plans through my other Credit Card companies includi ng   XXXX   XXXX  ,  XXXX   and  XXXX   XXXX   XXXX . All are willing to work with me because of my positive history making payments in a timely manner always at minimum and above amount due.      2 ]   XXXX   XXXX ,    2017   Letter states - that I asked not to be phoned. That is not true. I stated that in CapitalOne 's attem pts to return calls in response to my complaint were only calls to harass me about a payment, not provide me an option of hardship assistance. I only want to discuss how I can show good faith in making small payments toward the full balance I 've accrued - a majority of which are balances transferred from h  igher APR cards during the 0 % promotional period. 0 % APR has gone up to % 23.4.
3 ]    XXXX   XXXX ,  2017   Letter state s " ... .Per your request, as of  XXXX   XXXX ,  2017 , we 've removed your telephone number from the account '' '' ...  Currently  we have no telephone number on file to reach you. '' FALSE.   I received an email stating my phone number was changed in my profile. Having been a victim of identity theft, I did not trust this email and went straight into  the Card Services profile and replaced my phone number. I did not give permission for them  to remove my phone number as its a matter of securing my account info and I want to be notified as I 've always been. So my number is in the profile and will remain there. They can contact me whenever they feel its necessary.     I am continually threatened with attorney action now and I have committed to make good on my obligation but CapitalOne practices are not allowing any assistance in this effort.