WillisBack/dataset-financial-user-claim huggingface dataset:
I previously filed a CFPB complaint ( XXXX ) concerning a charge by a vendor, XXXX XXXX, and a debit transaction made against my checking account with Wells Fargo. To my knowledge, Wells Fargo is overdue on a response and never responded to the underlying complaint. Today, I received an email from Wells Fargo stating the amount in dispute in the underlying complaint with CFPB was being withdrawn from my account, and that the bank " lost '' the dispute. Today, Wells Fargo withdrew approximately {$580.00} from my account, without having provided me proper, prior notice ( other than today 's email ) ; and without Wells Fargo having even bothered to formally respond to my prior complaint by addressing CFPB. Wells has also, again ( twice now ), by today 's actions, failed to properly and adequately advise me of the reasons for their decision in writing. They have also apparently violated CFPB 's complaint procedures relative to the underlying complaint. 

This second complaint concerns Wells Fargo 's failure to address the first complaint. They apparently have now not only failed to address my concerns, but have failed to adhere to, and comply with, CFPB 's procedures and mandates regarding my underlying complaint.
I received an alert on my XXXX and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018 and XXXX XXXX. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security and Debit Cards. Please remove this hard Inquiry from XXXX XXXX and XXXX XXXX.
A debt collector is calling my place of employment repeatedly XXXX-XXXXx/day over the course of several weeks. They have called my direct line without leaving a message. They have called the main office line and asked for me by name. An office assistant at my place of work who took the phone call said it was XXXX XXXX # XXXX with Windham professionals. I have received a voicemail from this person on my personal cell phone.
I made an on-line mortgage payment to XXXX XXXX XXXXXXXX and they did not send confirmation that I made the payment and refuse to send me confirmation about the payment I made, although they agree I made the payment. I want written proof I made the payment and they refuse to give me that proof
This is regarding a request to change plans from IBR to PAYE that I made in XXXX. On XX/XX/18, I asked for my loan to be recalculated to a different IDR plan. I had an income change, and also hoped hoped to go from an IBR to either a PAYE or REPAYE plan. I specifically DID NOT check the box stating that I wanted to go into forbearance because I do not want my interest to capitalize. I wrote a letter along with the application clearly stating that I did not want to go into forbearance, so there would be no confusion. The paperwork states that one month of a standard payment rate would be necessary, but it does not state that forbearance is required. I received a letter on XX/XX/2018 stating that my loans were placed in forbearance and that I must pay a reduced standard repayment for one month, which is listed as XXXX. 

I filed a complaint with CFPB on XX/XX/18, and followed up with an email to XXXX on XX/XX/18, and then a phone call on XX/XX/18. I was told that my request would be processed in 7-10 business days. I received a response here on XX/XX/18, that XXXX was working on my request, as I had called them, and my request had been put in motion. I also received a response from XXXX to the email, which was similar, in that they said I had contacted the company and the request was in motion. I called on XXXX and spoke with employee XXXX to see if anything had been done, and the representative told me it had not yet been 10 business days and she didn't know how my request would be handled. 

Everyone I have spoken with has told me I am not in forbearance, but I am, and I did not request to be. My request to the company on XX/XX/XXXX and XXXX to the company is for my account to be restored to where it was before I requested the switch. That includes reversal of the interest that capitalized. I acknowledge that I overlooked a sentence on page 8 of the form that says when you leave a plan that interest is capitalized. I overlooked it because it is not on the signature form, and now I have been made aware. There have been multiple mistakes on my account in the past, and I just did not feel like I would get neutral advice. 

It is beyond the 10 days, and there has been no restoration of my account, and the account does not reflect that a decision has been made.
XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning ofXX/XX/XXXXall payment went through XXXX XXXX as well they have a XXXX  that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistanly look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.
I added {$200.00} to a Reloadit card and i never was able to get my money they told me the website was having trouble. The customer service WAS TERRIBLE i just took XXXX bucks of my hard earned money and put it on this card and POOF it was gone into XXXX KNOWS WHOS POCKET. I called over 5 times and it was the same thing we can not help you keep trying to create a safe on our site to put your money into and i kept getting the same error and when i would call them i would get the same run around. I just feel so taken advantage of
I have pulled my report and I seen several accounts that are not mine, I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : Item # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Reason for Correction : I was going over my credit report because I have moved back to XXXX and I just found out that someone has been using my identity. I have never done business with these companies. I was pulling my credit to look into buying a home and I seen addresses that are not mine. I am not sure if the person is using my information is still using it. This is the first time I have been aware of the whole situation. 
According to the provisions of the Fair Credit Reporting Act? 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up.

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of? 612 [ 15 USC? 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you.
My complaint is with : Select Portfolio Servicing XXXX Inc. ( aka SPS ). I have attempted, over the last 4 years, to get a " Loan Modification '' with this servicing company. I first started this process with XXXX Bank on XXXX XXXX. It was as though, once I had been approved for a loan modification, the loan got sold off to a different investor and I had to start the process all over again! I am 4 years behind in this mortgage. This property is in XXXX XXXX and is " Under Water ''. There have been XXXX written apprasals on this property over the past 2 years, ordered by SPS. The range has been between {$75000.00} and {$92000.00}. I asked for a principle loan reduction. I was lead to believe that they would consider it once I made XXXX payments of {$930.00}. I made these XXXX payments on time from XXXX XXXX thru XXXX XXXX. The loan modification was approved with no principle reduction and all of the accruded principle, interest and fees were wrapped up in the new loan with a modist reduction in the interest rate and monthly payment. This home is not my primary residence. It is a rental property. SPS has a program for rental properties. Due to the extended amount of time and personal expense that I have gone through over the last 4 years, I am in need of that principle reduction. I feel as though I have been wronged and manipulated by this servicer. Please see what you can do to help me with this situation. Thank-you.
On XX/XX/XXXX I was fraudulently charged {$1400.00} which was not authorized. I immediately filed a dispute on XX/XX/XXXX and was promised a temporary credit. After speaking with Wells Fargo I was told that the issue would be investigated. 

Unfortunately Wells Fargo did not provide a temporary credit and closed the dispute without cause. I called multiple times and asked for proof that I authorized this amount. 
Wells Fargo never provided evidence. 

The requested information was never provided and Wells Fargo has ignored my concern ( s ). Wells Fargo has violated the user agreement by refusing to address this issue. 

I have lost {$1400.00} which has placed a major strain on my finances. Therefore I'm filing a complaint and want the appropriate action taken to recover my funds. 

I reserve my legal right including initiating arbitration per the user agreement if this issue is not resolved. Thank you.
I received a check from Citizens Bank in response to a consent order you filed. The the check was made out to XXXX XXXX XXXX which is my business which I closeda few years ago. It was a sole proprietorship and they still show me in their records. They would not cash the check at the bank because the business is closed. They would not reissue a check in my name when I called the number in the letter they sent with the check - XXXX.
I had previously contacted you when my mortgage company, XXXX, was dragging their XXXX concerning my mortgage modification. Since then they have finally got the papers needed to me and finished the modification. 

Now they have sold my mortgage to Nationstar and I have been informed that I have an escrow shortage so my payment will shoot up to {$1100.00} a month. ( NOTE : I received a letter after starting this that states it will be {$1500.00} a month ) My concern here is that when XXXX did the modification to a 40-year term, they also financed an extra {$3000.00} into the escrow so it would not be short. Now Nationstar is telling me the escrow is short and I should look into a short sale, died-in-lieu, or loan modification. 

Before I ran into problems I was on time with my mortgage, then XX/XX/XXXX I got divorced and XXXX stated the only way they would remove my ex-wife off the mortgage was to refinance me for 30 more years ( I already had 10 years in on the original mortgage. Then XX/XX/XXXX got behind while my new wife was in school, so then I talked to XXXX. All said and done, they modified me for 40 years at {$980.00} a month. I paid 1 month and the loan was sold and now it is {$1500.00} a month. This, mind you is on a {$66000.00} mortgage note. 

And to make matters worse my AC stopped working. Had a service come look and the entire unit has mold in it. I have a XXXX and my wife has XXXX. We are living in an unsafe home for both of us, nowhere to go. 

How is it that these mortgage companies can get away with all this? I am being forced from my home. I have no money, I do not live extravagantly, have a truck that has 18 months before it is paid off. I have said I am not one of those people that stays in a home as long as I can without paying ( you hear horror stories all the time ) but what XXXX has done to me, is forcing me to do just that. 

Do I save and fix AC, do I save and try to move to a rental? We are clean responsible people, but I have XXXX great dog, XXXX cute cats and a XXXX step-son, so my options are limited. Very limited. 

So I ask you, where is the assistance that you hear about that has helped so many others, others that have taken advantage and not paid mortgage payments for a long period of time but were able to refinance to a reasonable payment and a principle reduction? 

I have nowhere to go, no idea what to do. I have been beaten down for the last time. Any help will be greatly appreciated.
XXXX XXXX whats called on several different occasions to let them know they were reporting on my credit report Equifax account that I did not open it was fraudulently put on there they will not remove from
I am filing this complaint because Experian has ignored my request to provide proof with the documents that their company has on file that was used to verify the accounts I disputed. They have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this issue as soon as possible. Thank you,
In applying for a home loan it was discovered I have a public record, from 2010, for XXXX XXXX which is no longer in business. I did confirm with the courts that this appears to be a collection from Providian National Bank which is no longer in business. The courts have no documentation/affidavit that I was ever served with this judgment. There is a garnishment on file with a company ( XXXX ) that I have never worked for. I do n't have any documentation or validity of this debt. No one can seem to provide me with any information or documentation that this debt belongs to me. This judgment is also listed in my nickname, not my legal name. I would like this judgment removed from my credit report.
i have had a student loan for years. I was kicked out of the school because they changed the program hours and I could n't do day hours. I have tried to get the money back but have not been successful. Now the school is closed and I am at a loss. My husband is in the military and Im trying to claim SCRA. Im so tired of this loan. Please help me!!!!
The loan was original amount was XXXX. I now owe XXXX due to late fees and what not.
My loan was through XXXX XXXX Now its with navient. My account number is XXXX. Any help with this would be great.
This is a complaint from XXXX against Grant and Weber for Grant and Weber 's failure to provide requested information for the debt alleged. As of XX/XX/2017, Grant and Weber has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
AllianceOne and XXXX are continuing to report incorrect information on my credit report regarding a bill that has already been paid.
I am seeking your assistance to resolve a situation with CItiBank, who remains unresponsive to verbal and written communication. 
SUMMARY : From XX/XX/XXXX to XX/XX/XXXX XXXX 

To comply with CitiBank 's interpretation of the Patriot Act, my social security number was connected to the Center 's CitiBank Business credit card. Due to billing confusion taking place after I left the agency, CitiBank states the account has not been paid, late fees and interest have been added and the 'account ' has gone from a collection agency called Pro XXXX XXXX XXXX a second collection agency called XXXX XXXX XXXX who continue to call my home and threaten my personal credit rating even though I have repeatedly and patiently explained the situation in full each time I am called. After all, it is in my best interest to clear up this mess. 
CitiBank, XXXX and now XXXX XXXX do not respond to written and verbal communication from me or the XXXX XXXX XXXX to resolve the confusion. 
The original amount owed on the card was {$88.00} with an added {$140.00} in fees which supposedly brings the disputed amount to {$200.00}. XXXX Yes, I know the basic math is wrong, which just adds to the craziness! ) The XXXX shared a letter from Citi with me stating the original {$88.00} was paid XX/XX/XXXX. Yet I continue to receive calls requesting I personally pay {$200.00}.
on XX/XX/XXXX I submitted a complaint/dispute ( Case # XXXX ) regarding a hard hit inquiry on my Transunion report from XXXX XXXX on XX/XX/XXXX. Transunion never responded to my dispute and therefor is in extreme violation of the Fair Reporting Act time requirements. Therefor Transunion needs to remove this disputed hard hit inquiry from my credit report immediately.
I have applied for a personal loan recently to reduce my credit card loans, and was rejected by the bank due to information provided by credit card reporting agency. The Bank , XXXX, claims that there were XXXX delinquencies listed, and quite a few of them in the last three years. This is incorrect information. I have not had any delinquency in my XXXX credit cards or my mortgage or any bills that were unpaid in the last three years.
XXXX XXXX Bank is the holder of my mortgage. I requested a loan modification. Ocwen my servicer informed me that XXXX XXXX Bank refuses all loan modification requests. I would like to know why XXXX XXXX Bank refuses to allow loan modifications.
In XX/XX/XXXX I charged to my CITI Double Cash card my registration fees for a racing series with the XXXX XXXX XXXX XXXX in XXXX. The series organizer tried sliding my card through an XXXX  attachment device, and received an error message. She wrote down the credit card number and re-submitted the charge the next day. This resulted in the charge being duplicated ; but I did n't realize this until about six months later, when I made an online entry disputing the second charge. Citi provided me with a temporary credit and started a protracted process to investigate the dispute. As part of this process, the investigator e-mailed the organizer, and she admitted in writing that she had indeed, involuntarily, charged twice. This e-mail exchange dates back to XX/XX/XXXX. Since then, I have received correspondence from Citi, first to let me know that my temporary credit was still temporary, and then, on XX/XX/XXXX to tell me that the dispute had been filed too late ( needed to be within 60 days of the statement ) and that they were not able to issue a refund. In my view, a processing error is an error, even when discovered 6 months later ; and given ample proof of the rror, there is no excuse not to refund.
I sold my car on XX/XX/2016. The dealership that bought it sent the buyoff to Wells Fargo Dealer Services and they show a payoff of the remaining balance of the loan on XX/XX/XXXX. On XX/XX/XXXX, I was charged another payment of {$500.00} for the loan automatically, despite the loan being paid off. I have been unable to reach anyone from Wells Fargo Dealer Services due to me not having an active loan with them anymore.
HARD INQUIRIES THAT I DO NOT RECOGNIZE XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX, XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  In Inquiry from XX/XX/XXXX 2019
I was never contacted by Diversified Consultants ( DCI ) about a debt. The debt is not mine ; it belongs to my ex-wife. We used to share a comcast account that she improperly closed. DCI never contacted her or me about the debt ( {$63.00} ). The first I learned of the debt was when I noticed a collection on my credit report. 

I immediately contacted DCI, explained the situation, and was told it would be removed from my report. They never removed it. 

I disputed the collection with all XXXX bureaus. XXXX removed it immediately, XXXX is still pending, and XXXX contacted DCI, who instructed not to remove it. 

I contacted DCI again and spoke to a supervisor. He refused to tell me when and how they tried to contact me. He also refused to remove the collection from my credit report. When I asked to speak to the legal department, he said to hold but then hung up on me. 

I immediately called back and asked to speak to a supervisor again. I was then told that DCI has no legal department but they have a compliance department. He said he would transfer me to compliance bu then hung up on me. 

So here ' my complaint : DCI never contacted me about a debt, the debt is not mine, DCI filed collections with all three credit bureaus, I immediately paid the debt in good faith upon learning of the collection reports, DCI said they would delete the collections reports but never has and now refuses, DCI will not tell me when they tried to contact me, my ex-wife states that they never contacted her, DCI has hung up on me twice. DCI 's actions have dropped my credit score approximately XXXX points, and they refuse to rectify the situation, or even talk to me. THey will not remove the collection from my credit and will not provide me any documentation regarding the debt.
Equifax has been hacked and my information has been compromised. I do n't want to apply for their credit monitoring service because it will make me opt out of any class-action lawsuit or other means of holding them responsible for any damage in the future. I tried to use the free yearly credit report from the government XXXX XXXX XXXX and I was unable to access my report for Equifax, and instead have to mail in a request which is inconvenient. 

I also have to pay money to freeze my credit reports with all three major monitoring services, when this is entirely Equifax 's fault and therefore their responsibility. Having to freeze my credit and then thaw it whenever I need to use it is another inconvenience which is entirely Equifax 's fault. 

Equifax should be able to provide my free credit report online like the other monitoring services were able to do, and they should be monitoring my credit for any suspicious activity, free of charge and without having to sign an arbitration clause or class action waiver. 

They are responsible for any potential identity theft or fraud using my name or likeness and should be taking more responsibility to protect consumers who have had their personal information stolen.