WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015 I notified Barclay Card customer service that I was going to order some products for my daughter in XXXX. I notified them so they would know the charges were not fraudulent. However when I placed the order Barclay Card denied the charges due to possible fraud. I called them back and was told I needed to place the orders over again. I questioned the representative because I was concerned about getting duplicate orders. He assured me that I would n't get duplicates and I needed to re-order. I followed his instructions but indeed, the orders were duplicated. When I discovered this, I contacted the vendors and was able to stop XXXX deliveries while XXXX vendor told me to donate the duplicate to charity. I called Barclay Card and complained. This was Barclay Card 's mistake, I 'd been inconvenienced enough and I was n't going to burden my daughter by asking her to return any mailed merchandise. She is a student in a foreign country and has enough to do. I wanted Barclay Card to refund me ( {$39.00} ). I was told they would investigate the charges and refund me if needed. The representative later left me a voicemail stating she was " following up '' and I could call back " if I wanted ''. I called back and spoke to a different representative who assured me the charges were " being disputed ''. Several days later, XXXX XXXX, 2015 I called to find out the status of my complaint. I was told there was no case number, no dispute, I would receive no refund. Barclay Card : 1. Denied charges after I called to tell them to say the charges were n't fraudulent ; 2. Told me to re-order merchandise, assuring me it was necessary and I would not receive duplicate orders ; 3. Misled me that they were investigating and would issue a refund if needed ; 4. Refused to issue me a refund.
Due to Hurricane  XXXX in XX/XX/XXXX, we were granted a 6month deferment thru XX/XX/XXXX with LC. 

However in the interim : ( 1 ) they have reported us negatively to all 3 Credit Bureaus - after saying we wont receive delinquent fees or reporting ; ( 2 ) they have yet to provide us with an itemized payment report per XXXX XXXX, a Supervisor, stated he was going to mail that report ; and ( 3 ) The ENTIRE STAFF is ALWAYS rude, condescending, impatient, & unknowledgeable of the status of our modification. 

We have resumed our monthly payments & cleared 4 of the 6 payments in arrears. But when we call in with questions, we are consistently told that we must speak w/a Rep from the Loss Mitigation Dept. - but good luck w/that! No one can tell us " who '' our Rep is & when we are given a contact name, that contact is constantly reassigned so we are never clear " who '' is our current point of contact. That person NEVERS returns messages either emailed or verbally left w/the Customer Service & Collections Depts. XXXX XXXX in the Underwriting Dept. was supposed to call us regarding the status of our modification it never happened! 

Our monthly payment amount has fluctuated via a written statement & via verbally told by a Rep. The only explanation provided was, " disregard that statement - you will get a new payment amount when the underwriter completes your modification. '' Currently, we are unable to access our account online XXXXdue to this supposed " modification process '' - but guess what LC, WE HAVE BEEN TRYING TO PAY THE 2 ARREARAGE PAYMENTS!!! This process has taken forever, so we dont want nor need your modification with only a {$4.00} reduction in monthly payment!!!

After experiencing Hurricane XXXX & hearing the recording that said LC was here to help - we do not feel valued as their new consumer nor do we receive respect from ANY of their employees ( employee # XXXX on XXXX @ XXXX CST ) when we call in. This includes extremely rude supervisors, such as XXXX XXXX that shouted @ me on XX/XX/XXXX @  XXXX CST. We have even had employees disconnect the call, after we have asked to speak w/a supervisor. 

Again, LC is attempting to collect a debt well, we have been attempting to pay a debt - but since our initial phone call in XX/XX/XXXX after Hurricane XXXX, we have had the worst experience ever with a company who holds the  mortgage on our largest asset. YOUR ORGANIZATION SHOULD TAKE A CHAPTER FROM XXXX & CLOSE FOR AN AFTERNOON TO PROVIDE PROFESSIONAL, COURTEOUS & EDUCATIONAL TRAINING.
{$13000.00} was charged to XXXX account in XXXX XXXX Since this date Wells Fargo has been unable to furnish any backup documents to support this charge. At XXXX/XXXX/XXXX, with compound monthly interest at 10.75 %, the total amount charged to XXXX account from XXXX thru XXXX is {$93000.00} which is greater than the foreclosure amount.. 
XXXX has sent dozens of qualified RESPA requests only to receive the same reply for each. " WE have received your inquiry and as soon as our research is complete you will be advised. '' This is not believable and is criminal fraud. For 13 years Wells Fargo has been sending this same reply. Recently Wells Fargo advised this charge resulted from a Loan Modification dated in XXXX XXXX. This is criminal fraud because the {$13000.00} was charged to XXXX account 20 months before XXXX XXXX. 
XXXX Loan Number with Wells Fargo is XXXX. 
XXXX Desired Resolution. 
Place Criminal Charges against Wells Fargo for {$93000.00} for attempted Larceny Force immediate return of the XXXX. 
Please advise what additional data you will need in order to enforce these charges against Well Fargo Thank you very much XXXX XXXX XXXX Phone XXXX. 
This is the Third Request sent to CFPB. I have received one reply. Advising it will take 10 months to research this problem. This is not believable because they have been researching for the the last 13 years. 









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Interstate Collections continues to call me for a debt from a person who does not live here. They have been told multiple times to stop calling here, but they continue to harass us.
Mortgage was sold from Waterstone Mortgage Corporation to XXXX XXXX effective date XXXX/XXXX/2015. I was notified today XXXX/XXXX/2015. XXXX 12-13 days, not the XXXX as required by law ) Called Waterstone customer service, they said it has n't been sold yet and I should n't have received anything stating it has.
I signed up for a Citigold checking account during a promotion where XXXX XXXX XXXX miles would be awarded if I did XXXX bill pay in two consecutive months and made {$1000.00} in debit card purchases with the Citi debit card within 60 days. I received confirmation over the phone with a Citigold representative when I met these requirements and was told to wait 90 days for the miles to post to my XXXX account. This bonus never posted, so I asked a Citigold representative to manually post this bonus to my account, but they now claim that I was not targeted for this promotion, even though I was confirmed when I first opened the account. Claiming that I first qualified for the account when I signed up and then later claiming that I was not qualified is not acceptable as a marketing practice.
Experian and or the collection agencies are reaging my accounts. Several accounts were removed and then re added under another collection agency name-I asked Experian to validate my open collections accounts-they did verify but did not validate as requested
This matter is about a Private student loan ( I am the co-signer for my son, who defaulted on it, so I have been making payments via automated payment through XXXX XXXX for several years now ). 
The loan provider is : American Education Services ( AES ) Current Situation : XXXX XXXX proof of payment copy shows payment sent on XX/XX/2016 ( delivery : XX/XX/2016 ). On XX/XX/2016 I received notice of delinquency on account. I called AES and spoke with operator. They confirmed that payment was received, however it was in " suspended '' status, but they had no knowledge of why it was in this status. They promised to process it. On XX/XX/2016 I checked status to find it still delinquent. I spoke to another operator ( # XXXX ) who re-confirmed the same thing from XX/XX/XXXX. They also promised to process it for payment. On XX/XX/2016 I received e-mail from XXXX XXXX advising that my XX/XX/XXXX payment had been returned. I again called AES and spoke to another operator ( # XXXX ), who also re-confirmed the previous XXXX, but also stated that they did not return the check to XXXX XXXX and still had it. They also promised to process it for immediate payment. I recorded that call and that operator advised that it was an error on AES and that the account was not delinquent ( even though it shows as such and I would continue to receive notices of delinquency ). On XX/XX/2016 XXXX XXXX re-deposited the XX/XX/XXXX payment back into my account. On XX/XX/XXXX, I received another e-mail from AES on account delinquency threatening me with negative credit reporting. I now have proof of payment from XXXX XXXX of my scheduled XX/XX/XXXX payment ( issued on XX/XX/XXXX and delivery on XX/XX/XXXX ). 

I believe that AES is a corrupt organization that uses threatening & devious ( possibly illegal ) tactics to deceive account holders into making additional payments ( by putting payment into " suspended '' status and requesting additional payments, checking account numbers, credit card payment, etc. then releasing the suspended payment ). Their " operators '' have little or no knowledge or authority ( obviously, based on my recent experience ) to solve problems. 

I need urgent help getting the mess created by AES cleaned up as I ca n't seem to find anyone capable or responsible to do so.
On X/XX/17 Wells Fargo withdrew money from my checking account for a charge that I do n't recognize. Maybe it should have been taken out, maybe not, I have no way to find out because I called them and they told me that it was an online transaction by XXXX XXXX and the online withdrawer had my account number but nothing else. I repeated that I needed to know what it was for and they told me that unless I stated that I did n't receive any services or product for that withdrawal, they could n't investigate the charge. I objected that I did n't KNOW what the charge was for and that 's why I contacted them. I could n't LIE and say it was n't legit when they could n't tell me anything other than that XXXX XXXX had my account number, else they could n't have made the withdrawal. I again refused to lie and asked to speak to a supervisor. She said she was sorry and they did n't do business like that - and I pointed out that they just had! She went on to create further problems. I gave her my account number over the phone and she said it was too long. I read it right off my check! Then, she told me the number she had and she had it wrong. She finally put me on hold and after waiting way too long, I hung up and called their main headquarters in XXXX XXXX. There, I was told that I should n't lie to the bank and I needed to go into a branch office so that they could call their back office and help me. Baloney! I should be able to call and get the information about that charge and it 's not my fault they did n't get all the information they should have before they took it out of my account. I told them I was XXXX and ca n't easily get to the bank, but that should n't make any difference - they should be able to give me information on money they took out of my account when I call the main customer service number - not tell me I have to lie to get that information or go into a branch so they can call their " back office '' from there. There 's something really XXXX about all this and I need some help!
I am filing to have a lien held by CitiMortgage on my property at XXXX, FL XXXX removed. This lien was included in a bankruptcy filing by my wife XXXX ( see attached Schedule F, list of creditors ). This lien should have already been removed. 
CitiMortgage stated in a letter copied to Consumer Financial Protection Bureau, dated XX/XX/XXXX, that " XXXX ' bankruptcy filing had no impact on the property located at XXXX, FL, XXXX. '' This is incorrect. I have attached court documents from XX/XX/XXXX and XX/XX/XXXX that list XXXX as the representative of CitiMortgage/XXXX and clearly identify the property at XXXX, FL XXXX by both the postal address and the legal description of the property.
Today,XX/XX/XXXX I received and opened my latest credit card bill for the store, XXXX XXXX XXXX. As I just paid my bill on XX/XX/XXXX, for the amount of XXXX dollars, I was expecting my balance to be around 95 dollars. It was XXXX dollars last month. I was very upset and surprised to see that the balance was XXXX dollars. When I called the customer service number on back of the card, I was told by the service girl that she could not remove the late fee because I had been given a removal last year in XX/XX/XXXX I said I paid the bill on time by the due date and they did not have a right to charge me and she tells me it was suppose to be by XXXX, and I paid it at XXXX XXXX I told her the bill does not state time just the date. Later that afternoon, I called back and was given the same run-around. This robotic style woman tells me the due times are on the back not the front of statement, ( how convenient ). I checked the times just now and they say XXXX eastern time, or XXXX at the store, so therefore I am positive they are lying to me because she said XXXX. The supervisor was like a robot who could n't put her robot script away to help me, so I told her I would be contacting the consumer finance complaint department to help me out. I would like the late charge to be removed so I can pay off the entire balance by the next week or two before the deadline that they out of the blue are imposing. I also think they can do better or lose me as a customer.
please please please can yall make these bureaus obey the law. when XXXX had a breech last year all of a sudden I had collections accounts,3 different ss numbers, different addresses, and new opened accounts that didn't belong to me..some information was removed like the addresses, ss numbers but they refused to removed 4 collection accounts they continue to send back verified when I asked them for the method of verification I am constantly ignored by law this is against my rights and against the law .The law states that the bureaus must report 100 % accurate and true information.they refused to verified the accounts below These accounts in question are 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX MANAGE SOME OF THESE COMPANIES ARENT EVEN LEGALLY ALLOWED TO COLLECT IN THE STATE OF LOUISIANA.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I was expressing my right to demand that the bureaus disclose there compliance with Metro 2 and disclose to me all of the documents that they have recorded and retained in there files at the time of this request concerning the accounts that you are reporting in my credit report.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA because they refused to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
There is a foreclosure sale scheduled for a loan held by Wells Fargo Home Mortgage. My company owns the property in California which is collateral for the deed of trust. On XXXX XXXX, 2016, I contacted WFHM and requested reinstatement figures per CA Civil Code section XXXX, we are an " entitled party '' by being a successor trustor through foreclosure. The fax documents were sent to WFHM per instructions received from a representative and subsequent calls have been made as well to no avail. 
XXXX XXXX 2016 - Call to XXXX # XXXX he informed me the fax had not been processed yet. and to call back. 
XXXX XXXX 2016 - Called again spoke with XXXX # XXXX - She told me processing time could be two weeks and to try back again. 
XXXX XXXX 2016 - Called again, spoke with XXXX XXXX # XXXX, he said to try back on Friday XXXX XXXX to see if the request was processed. 
XXXX XXXX 2016 - Called again and asked about the reinstatement numbers to stop the foreclosure sale. Spoke with XXXX in BK dept. She said she did n't see the fax was ever received and gave me # XXXX to re-send it to. I did. 
XXXX XXXX 2016, Called spoke with XXXX in collection dept. She said the fax was received and had not been processed by any dept. I thanked her and asked her to let me know who could look at the package and issue figures to stop the foreclosure. She did n't know who could do the processing. 
This leads me to this website to file a formal complaint against WFHM for not issuing reinstatement figures against CA Civil code. We are a successor in interest to this deed of trust and I demand a viable method of reinstating the mortgage which encumbers the Real Property lawfully owned by my employer in California. Please help. 

Loan # XXXX Property : XXXX XXXX XXXX XXXX XXXX CA XXXX Borrower : XXXX XXXX XXXX XXXX . 
Last XXXX : XXXX
This is account for XXXX XXXX XXXX XXXX is not my account I notified Trans union on this but they refuse to delete it. Amount XXXX.
XXXX/XXXX XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX  and Transunion. Please remove the 30/60/90/120 day late payments from my credit reports.
I received a letter from XXXX XXXX XXXX that I had until XX/XX/XXXX to make a payment of {$760.00}. And that if the payment was received by this date then my account would not go into default. L But they filed on my credit on XX/XX/XXXX causing my score to drop 42 points. I contact them and they stated that the letter was automatically generated and that the action they took were correct. They also filed that I owe the full balance of the truck which is incorrect, it should have only been for one missed payment at that time. {$380.00} The truck was deemed a total loss by XXXX  XXXX car insurance and XXXX was notified. I have never missed a payment ever and I dont understand why they did not honor the letter. I have called them everyday trying to make sure that whatever I needed to do was being done and to confirmed when they received the check for {$4500.00} from XXXX XXXX. No one ever stated to me that I needed to make a payment because I signed the truck over on XX/XX/XXXX to XXXX  XXXX. I informed them with proof from The XXXX that they were sure to be paid. As of now I have contacted the insurance company which stated a check was mailed out on XX/XX/XXXX and the Postal service stated it should arrive in 3-5 business days with me giving them the zip codes of where from and where to. It should have arrived on Saturday XX/XX/XXXX and received Monday XX/XX/XXXX. But every time I call XXXX they a very rude with me and they are still stating they have not received the check. I feel discriminated against. They treat me like Im a joke. I have asked them for assistance since I am XXXX and has been for the past 5 years. And this morning XXXX tried to pull my credit Without my permission or consent. I called them after they had already tried to pull it. I received an alert from the credit bureau.
I have a consumer loan that was past due, they sent a intenet to garnish to my job, I have sent a letter to them revoking the voluntary wage Assignment that they are not honoring, in addition to the fact they have sent the loan to an attorney
XX/XX/2016, I went to a specific mortgage company ( Guilds Mortgage-Sparks NV headquarters in XXXX XXXX, CA ) because they were on the Nevada State 's Home buyers Program Home Is Possible website as a Mortgage Credit Certificate " participating lender ''. The loan officer there said she would help me apply, but later was giving me the run around whenever I mentioned the MCC program. Until today still no Mortgage Credit Certificate. Stupidly, I trusted them to know what they were doing. It seems wrong for the lender to " advertise them self as Nevada HIP-qualified lender and know nothing about the first time home buyer programs except get money for down payment and its a quick sell for them. I fully qualified for this program, completed all require training as it was presented to the XXXX XXXX  XXXX Senior Advisory Committee by XXXX XXXX XXXX XXXX, Home buyer Programs Supervisor ( XXXX ) XXXX. 
Guilds Mortgage should take financial responsibility for their mistake. I lost Mortgage Credit! This is how incompetence lenders should be REWARDED! Taking advantage of the public trust, well just good ole first time home buying working folks NOT MORTGAGE EXPERTS! Now its TAX time and no credit in site. Loan sold within weeks of closing.Guild failed to adequately supervise. 
Cc : Attorney General, The Department of Business Oversight ( DBO ), Conference of State Bank Supervisors ( CSBS ) and the American Association of Residential Mortgage Regulators ( AARMR ), XXXX XXXX XXXX XXXX
A company called Portfolio Recovery Associates LLC continues to call me even though I am on the do not call list. After several calls I finally spoke with a gentleman and he said they are trying to collect a debt back XX/XX/XXXX or XX/XX/XXXX. Not exactly sure. I informed him that if the calls did n't stop I would be contacting the Federal Trade Commision to file a complaint. He responded that I would have to send a certified letter stating I want the calls to stop. The calls did stop for about a week but they are back to calling again. I receive about one call, sometimes two a week from different numbers, the last number was just today from XXXX from XXXX Tn. The only way I can see them refraining from the continuous phone calls which are on my cell phone is to seek help from your company. Thank you,
I had an XXXX card. I have been a member since 1996. They closed my account and sent it to collections. I have been trying to work with the collection agency but they are no help. I had contacted XXXX XXXX to get statement copies so I could pay my bill. They said they would sent it but it never came in. Then a month later I requested them again and they told me they would send out. And also they stated they would put a freeze on my account so I do n't get reported to credit agency. By the time I got the bills they had closed my account and sent to credit agency. They have lied to me and I should not be punished for this. I am willing to pay the full bill but I want my XXXX card reinstated and the false credit reporting deleted. Tell them to go back and go over the recorded calls and they will see what their agent said. They are not returning my calls form the executive dept either. seems like discrimation to find a way to cancel my card.
After pulling a copy of my credit report. I noticed that Equifax is reporting XXXX XXXX -account number XXXX and XXXX XXXX my credit report reporting non compliant information in which i have disputed this account several times in which Equifax has continued to ignore my request. I send several letters certified with return receipt as well as a notarized letter and they still ignored my letter sending a generated letter stating they have verified information with nothing else attached and at the same time ignoring my letter all together. I have found several UNPROVEN TO BE COMPLIANT much less TRUE, complete and accurate allegations of Accounts that appear to be not in lawful compliance to reporting regulations or else wise improperly reported and transferred by other lender/servicers on the report. I understand my rights and that is why I send Equifax a written notice of my consumer demand checking for federally required proof of compliance even to the metro 2 data field formatted regulatory reporting obligations as a specific mandate due to the CRSA enactment and implementation of the standardized CDIA sponsored Metro 2 Compliance rules. The Fair Credit Reporting Act dictates that every single one even each any and or all accusations of debts, true or not, must be accurately and timely reported in all deferment/transfer cases.