WillisBack/dataset-financial-user-claim huggingface dataset:
I have repeatedly tried to get Wells Fargo to correct their difficenct systems and practices, to no positive result. In each case, Wells Fargo just demands more and less practical information. I have previously asked Wells Fargo to correct this information, in return they claim that their records don't match and that I must provide bank records from nearly a decade ago in some cases to correct their records. 

I had a WFDS loan for an auto that was paid in XX/XX/XXXX. To this day, Wells Fargo continues to report the loan delinquent, with delinquenceis in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Attached are payment confirmations that I received from Wells Fargo as they happened. If you reference CFPB Complaint # XXXX you will see that Wells Fargo simply denies the problem and demands yet more records that are now at this point nearly 7 years old. 

In light of the recent facts that have to come light with Wells Fargo practices, including : - Massive settlements regarding fraudulently opening accounts in the names of customers - Abusive red-lining and discrimination against other XXXX and minority customers AND - Underhanded sales practices and dishonesty that stretches to the top of the company I feel it's time to revisit this issue which has negatively impacted me for nearly 6 years.
I filled for a mortgage modification with my mortgage company, Wells Fargo on XXXX XXXX, XXXX. On XXXX XXXX, XXXX they told me my mortgage was not in active modification review after my file had been submitted. XXXX XXXX, at Wells Fargo was my representative but they change it every month. Since that timeI would submit files to Wells Fargo and my home preservation specialist would tell me they do n't have access to my Wells Fargo XXXX Portal. Other Wells Fargo Reps have told me they can see any file I put into my file via the Web Portal. 
My file was submitted and a decision was never submitted through the XXXX Portal. there is no decision on my file. and I am now File. On XXXX XXXX, XXXX Wells Fargo did an interview with me to request extension. they did an interview on me and instructed me to fax them documents. I turned in the documents and spoke to the extension 7 day team. But when I spoke wells Fargo two days later, Monday XXXX XXXX, XXXX they told me it was too late to stop the sale and that my house was in auction as we spoke. I called them XXXX XXXX, and they told me they sold my house in auction. Then I got a letter from them dated XXXX XXXX, XXXX and they were now going to do some research on my house and they would get back to me on if my house was sold. I am stressed out and I cant eat. 
On XXXX XXXX, XXXX Wells Fargo informed me that they sold my house at Auction. I love my home and I want to keep my home. I first bought it in XX/XX/XXXX. This is my XXXX home and its for my son. So this is quite traumatizing. They are trying to sell my home without making a decision on my request for modification.
XXXX XXXX has been contacted on several occasions. They have failed to provide me with documentation bearing my signature so that I can validate that this account is indeed mine. They are reporting negative information and it is damaging my credit score. They have completely ignored all correspondence that I've sent. I am demanding for this account to be removed from my credit file immediately.
In XX/XX/XXXX I obtained a copy of my credit reports and noticed that XXXX XXXX was reporting a derogatory entry to the bureaus. Prior to this date, I had not received any documentation from this company informing me of the alleged debt. To that end, I drafted a dispute letter to them ( see attached ) whereby I was in essence disputing the validity of the alleged debt they inserted on my credit reports. I requested that they provide me a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges, and date of charges posted, copies of any papers that show I agreed to pay what they were alleging I owed. To no avail. I did not receive any communication from them. 

In XX/XX/XXXX, I again disputed this account with XXXX requesting they provide the aforementioned information. Again, to my dismay, I did not receive any correspondence from the company. I then disputed with the bureaus again, only for the accounts to be verified. I am confused on how the bureaus are able to receive a response from them but I am not. My communication was sent certified with a return receipt and they have been in receipt of both letters, yet choose to not respond. 

These entries appear to be unverifiable, untimely and inaccurate ; therefore, they should IMMEDIATELY BE DELETED FROM MY REPORTS!
I was making payments on a returned check and working with manager of Advance America. Another employee from a different location verified funds and took my check to the bank and picked up {$630.00} out of my account. I did not owe that amount because I had already paid {$300.00} on my bill. She never admitted to making an error and refunded my money of payments. Money was taken from me when I did not authorize it nor expected this to happen. I did not owe that amount and want an investigation in XXXX, SC. When company takes your money it forces you to write another check to get your money back. I was trying to pay out of debt instead of starting back over. Snatching cashier 's check from someone 's account replaces Company 's money. That is what is cycle of debt where you have to be trapped when your money is gone how you going to pay your other bills or live until you get paid again. This is so unjust that I hope a closer look is taken for customer 's views instead of company paying lobbyists for laws to allow such treatment to people of our USA. The money made from this big company Advance America is a XXXX company. We advertise helping America when they take money from citizens and give to XXXX. How dishonest is this world? Using poor people to pay for other 's wealth is morally wrong. Most people with money have savings to go to in time of need. Poor people use payday loans ca n't afford to leave money and not get it back. There has to be an end to this cycle of debt. Help!
My home loan was recently transferred from XXXX XXXX XXXX to XXXX XXXX XXXX ( Originator ) and Shellpoint Mortgage ( Servicing ) on XX/XX/XXXX. According to 2 Shellpoint Customer Service Agents and Shellpoint 's Web Site, Shellpoint is missing records of my XXXX and XX/XX/XXXX payments to XXXX XXXX XXXX. Shellpoint asked me to wait on making my XX/XX/XXXX payment until we resolve this matter, but meanwhile my account continues to show that I am behind on 3 payments totaling XXXX. 

I called Shellpoint to try to resolve the matter on XX/XX/XXXX. I sent proof to Shellpoint via email on XX/XX/XXXX of both my XX/XX/XXXX and XX/XX/XXXX payments in the form of screenshots of my XXXX XXXX XXXX Payment History Page and my bank statements all showing a payment to XXXX of {$3600.00} on XX/XX/XXXX and a payment to XXXX of of {$3600.00} on XX/XX/XXXX. I called Shellpoint to again to try to resolve the matter on XX/XX/XXXX. Shellpoint indicated to me that they received my email, but did not receive my email attachments. I have a screenshot of the email I sent to Shellpoint with email attachments. 

The matter is still not resolved and Shellpoint continues to blame me and ask me to work with XXXX to resolve the matter. I find it very interesting that Shellpoint 's website shows that they have every single details about how much money I owe them, but is missing all details of how much I have paid them.
A customer since XXXX, I received a letter from American Express, dated XXXX XXXX XXXX. The envelope stated, in bold : " IMPORTANT INFORMATION ABOUT THE THE PAYMENT OPTION YOU RECENTLY ADDED TO YOUR CARD ACCOUNT ''. I opened the envelope with concern, since I had NOT recently added any 'payment option ' to my card, and so feared someone had gained unauthorized access to my account. Moreover, I have always paid my American Express balance in full, every month. The letter stated, however, that I would pay a 19.24 % rate on 'Pay Over Time ' balances, as well as new 'Pay Over Time ' charges - this being the option AMEX falsely claimed I recently added - and that if I was not interested in this, I had to contact the number on the back of my Card by XXXX/XXXX/XXXX. I phoned the number and explained to an American Express representative that I did not ask to add any such option as they claimed. The representative disagreed and then launched into a sales pitch me on the 'benefits ' - that I could make large purchases for the holidays and then make payments over time ( at  19.24 % interest! ) This is an abusive sales tactic based on willful misrepresentation by American Express.
I 've been victimized by the illegal collection practices of XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX Consumer is who I acquired the credit card through as a college student who just purchased a new house ( 2012 ). Little did I know that this would be a nightmare that would follow me well into my thirties. With a XXXXdollar limit and an interest rate of 28 %, I tried to stay below the credit limit but seemed to never be able to pay it down with the minimum payment of {$75.00} dollars, the 28 % interest, and the added credit card protection. Eventually I decided to start paying XXXX - XXXX dollars per month or as max as I could get it. The card was closed but I never stopped making payments. XXXX still accepted my payments for three months before they advised that the account was no longer accepting them. Reaching out to XXXX and GE Money bank ( The company who owned the account at the time ) was a futile effort and they did not provide any useful information or a method for me to resolve the account/pay-off the account. Several years later, I get contacted by XXXX XXXX XXXX, upon requesting more information about the account, they advise that it 's been sold and they no longer own the account. This even though they are the ones listing as a negative reporting on my credit. 

After trying to XXXX this account for several years, I get a notification in the mail that I have a credit that will be applied to the account as a result of action taken against XXXX XXXX XXXX - XXXX XXXX XXXX. by the Consumer Financial Protection Bureau. Although this credit is present, XXXX decided to robo-sue me for the amount of the original card. Not taking into account the credit provided by the lawsuit or the amounts that paid and accepted after they deemed the account closed. 
This has been very painful and costly ; I only wanted it resolved years ago but XXXX with their account XXXX games with moving the account from XXXX company to another and with them suing without providing proper information or documentation creates a world of torment for the consumer and I 'm still dealing with this nightmare.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2016.
This debt collector contacted my parents and my sister. The collector told both parties that they were attempting to serve me with papers to collect a debt. Additionally, this collector threatened me with the serving of papers and filing a wage garnishment on a debt over 6 years old and not on my credit report.
I am contacting your agency because I need your help in disputing some charges done on my JC Penny Mastercard by a fraudulent company. I have paid several companies XXXX of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. XXXX XXXX XXXX was one of them and I would like you to investigate all charges done by them on my JC Penny Mastercard. They charged me twice once on XXXX/XXXX/16 for {$3000.00} on the statement says XXXX XXXX XXXX XXXX WA, and the second charge on XXXX/XXXX/16 for {$3500.00} on the statement says XXXX XXXX XXXX WA. I realized I paid XXXX of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.
on XXXX XXXX, I sent a letter to the credit bureaus requesting an investigation on 5 accounts. Almost 60 days later, and none of them have responded. I have sent follow-up letters to inquire for the reason for the delay, and those have also gone unanswered.
My loan is being serviced by Seterus Inc. and over the past 2 months, I have been offered a loan modification 3 times and I 'm continually getting harassing phone calls which have escalated to personal attacks by each of the representatives on the call. I was in a loan modification last year but due to severe family medical issues, I was unable to continue to pay the mortgage after the 1st modification was approved. Again, they have offered me two times another loan modification only to retract the offer and try to force me to leave the home using pressure tactics. I do not believe that I 've been treated respectfully or with any intent whatsoever to keep the home and they have lied to me multiple times with what they are offering only to tell me that I should leave the home and let them proceed with foreclosure to completion. I went to court to explain my intent and was granted time to work something out with Seterus and I have until XXXX XXXX but they still tell me that I have to leave my home. The harassing phone calls and personal attacks each time the call me along with pressure tactics ( and psychological ) tactics have been very disturbing to me. I 'm looking to work out a payment arrangement so that I can stay in the home now that I 'm finally getting over my medical issues and with one of my family members. This servicer is brutal in it 's tactics. The lying and the escalation of personal attacks on me is taking it 's toll.
Worldwide recovery in california has been harassing me continuously at my work and calling my cell phone. They have gone as far as to tell my employer that they are sending someone to arrest me at my work if i do not contact them. I have asked for them to send me information in the mail and they refused. I want them to stop harrasing me. If i owe a debt snd me a letter with proof and we can work something out.
During the month of XX/XX/XXXX, I noticed that I was charged a late fee although I am making my monthly payments. I had to fight hard to get Synchrony Bank to remove a late fee of {$27.00}. I have continued making my payments, and today XX/XX/XXXX, I noticed that they have charged me late fees of {$37.00} on XX/XX/XXXX, and {$37.00} on XX/XX/XXXX, although I have been making my payments on time. My payment amount is {$35.00} per month, which is the payment agreed upon. I have tried to reason with these people but they do n't want to remove any late fees ; they just want to bleed the customer dry.
Mercantile Adjustment Bureau has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Someone called me yesterday morning, XX/XX/2019, seven times in a row, and told me they know where I live and work and that theyre delivering a claim filed against me. The man said he is a private investigator and began revealing my addresses and workplace. When I told him I dont even know who he is or what hes calling about, he gave me the number to XXXX XXXX XXXX ( XXXX ) and a claim number, and said hed call me back in 20 minutes to make sure I called them, otherwise, he would be at my work with papers ( even though I told him multiple times not to ). When I called the company, they told me I owed $ XXXX+ from XXXX XXXX XXXX. When I asked if they mailed me anything describing the debt or payment options, they said they handle all correspondence via their private investigators. They took my social security number and birth date. I was afraid and gave them my credit card information because they said no checks can be mailed to them, that they do not take checking account or routing numbers, and that they only accept Visa and Mastercard. I have since canceled this card. When I called back to obtain a mailing address, I was placed on hold for 10 minutes and given the address to an old XXXX store in XXXX, AZ. When I asked for their company name, they said XXXX. They also have no website. Today, they repeatedly called me again and when I didnt answer, they called my father and sister-in-law, telling them I am eluding the police on a past debt and then described their vehicle information to them. I have no idea what to do at this point. I am scared, and this company is harassing me. They are not following any consumer laws.
Navient is unable to provide fair payment plans I have been charged as high 15 % interest rates on my private loans. 
I have paid XXXX in interest and my principal has gone up each year now exceeding over XXXX I would like the same fair repayment plans as the federal government or at least the opportunity to refinance.
XXXX XXXX XXXX : Connected to XXXX XXXX XXXX XXXX : Your reference number for this chat session is XXXX XXXX XXXX Customer XXXX : Initial Question/Comment : Sears gave me a temporary store card pass in XXXX to use while waiting for my card in the mail. I went to shop and this cashier run my credit XXXX more times without my consent when I specifically told her No that I 'm using my store pass. 
XXXX XXXX XXXX : Thank you for contacting the Federal Trade Commission 's Complaint Assistant Technical Support Desk. 
XXXX XXXX XXXX XXXX : Your chat conversation may be monitored for quality assurance purposes. 
XXXX XXXX : Connected with XXXX XXXX XXXX Agent XXXX : Good morning XXXX. I 'm sorry to hear about that happening. How can I help you today? Do you need assistance to file a report online on the FTC complaint assistant page? 
XXXX XXXX Customer XXXX : I guess so. Because it 's not fair when someone is trying to build up a good credit and for someone else to purposely messing it up. 
XXXX XXXX XXXX XXXX : I understand. You can choose report that on our complaint assistant by choosing the category " XXXX and XXXX '' and the subcategory " Credit and Loans : Credit cards, credit reporting, mortgages, pay day loans or other loan services ''. You can report the company and can type a summary of what happened in your own words. 
XXXX XXXX Agent XXXX : You can also contact the CFPB at XXXX. They are the government office that regulates how/when companies are allowed to get access to your credit and can file a report and give additional information on that topic. 
XXXX XXXX Customer XXXX : Credit Bureau needs to be aware of scams like this and help customers like me to keep a good credit. What would be the purpose for me to apply for credit XXXX x within a month in the same store when I am already granting a credit. 
And when I am well aware that every time someone run a credit check on someone else, their XXXX score, I think goes down. Why would I do that to myself if I want to build up a good credit? Okay, I am going to call the CFPB. Think you XXXX for the chat. 
XXXX XXXX Agent XXXX : You 're welcome. And thank you for contacting the Federal Trade Commission. Have a good Day. 
XXXX XXXX Customer XXXX : You too and XXXX bless you. 
Please help me because I do n't want my score to get affected
Back in 2008 when US economy went upside down due to banking unregulated methods ( XXXX XXXX etc ... ) I lost my home and a business. I lost ability to pay my obligations. 
I owned home on XXXX XXXX XXXX XXXX in XXXX XXXX XXXX FL XXXX financed by XXXX XXXXXXXX XXXX . 
XXXX XXXXXXXX XXXX took bailout money paid by us taxpayers and walked away laughing. 
I tried to short sell the home and set up pay-off of the debt. XXXX XXXXXXXX XXXX declined 6 short sales and declined to even talk to me about other ways to pay off my loan. 
Years have passed by and XXXX XXXXXXXX XXXX didn't foreclose on me in legal manner ( I believe there is statue of limitation of 5 years in State of Florida ) and sometime later on they sold my loan pennys on a dollar to XXXX XXXX XXXX collection agency. After that agency was sued by small lawyer for wrongdoing they than sold it to present collection agency XXXX XXXX XXXX company. XXXX XXXXXXXX XXXX, XXXX, TX XXXX. Phone XXXX This company is constantly harrasing me with phone calls without message ( mute calls ) and monthly letters threatning me with legal actions. They also, are ruining my credit report. 
It is over 10 years since I incurred debt that XXXX XXXXXXXX XXXX abandoned as all wealthy and company do knowing no one will hound them though they are the one who ruined hard working people like me. 
I am asking for help as it is mentally draining to wait each month for the same scenario. 
I live of XXXX social security XXXX thanks to decissions made by our governement but, it is me/us who always paid and pay the price of reckless governing. 
Sincerely XXXX XXXX XXXX
on XXXX/XXXX/15 Chase Bank sent email regarding suspicious charges on my debit card. I spoke to a representative ( woman ). We went over the charges, I told her which were fraudulent and which were not. Then checked my husbands charges-all good there. She told me not to worry that I would get my credit back shortly. The next day I get an email saying that the charges stand because a pin was used. Can anybody say " XXXX ''. I called and spoke to XXXX, Who advised me that the case was closed. I asked how can they resolve this issue in less than 24 hours and she said it 's " because of your spending history '' Really, who are you to judge me. I told her to show me proof that it was me. The biggest charge was from XXXX, they have cameras everywhere.She said she would re-submit for a new review. Not only do they lie to the public and do n't take responsibility they turn around and disparage my character by calling me a thief in trying to defraud a bank. Well it 's been 2 months and I have not gotten my {$250.00} back and not even a phone call or email with the proof that I requested. We all know that the case workers are given a bonus to deny claims just like the Insurance Underwriters are and normally that 's not my problem, but they are making it my problem. If I do n't get a satisfactory result I 'm hiring an attorney and going to every news and social media regarding the practices of this financial institute and how the government agencies who are suppose to keep them in line are not.
3 reporting credit beauru I haven't been applying for credit cards I know I get rejected and with not so hot credit rating they think I'm made of money like Donald Trump I been fighting to get negative and inquiry removed and no luck and I'm tired of credit beauru treating me like either a little kid or criminal I even gone far to go with credit repair service and not getting anywhere fast and I refuse to get high interest loan and it's not fair they all think I'm made of money like Donald Trump is which I'm not if I had Donald Trump money wouldn't need credit but yet they give credit to illegal immigrants
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX THE CUSTOMER SERVICE DEPARTMENT WOULD NOT HELP AND TAKE CARE OF THE NEGATIVE INQUIRES REPORTING TO MY CREDIT REPORT.