WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a complete modification packet to Wells Fargo since X/XX/2017.However they are refusing to provide me mortgage assistance. I explain to them that my income has change, my son is no longer contributing and the renter I had left without paying me rent. I provided Wells Fargo with my new income, the new company I am currently working, they offer over time. <P/> Wells Fargo is stating there is not enough change of income is order to activate my file with the under writer. How is it possible that Wells Fargo is stating there is not enough change in order for them to activate my file. I explain to Wells Fargo I am not collecting rental and my son is no longer contributing, that is enough change to be evaluate for a new review. Also the new job is offering over time and my paystubs is showing that increase of income. Now Wells Fargo has schedule a new sale date for X/XX/2017. I am scare to lose my home. I am trying to work directly with Wells Fargo but it seems to me their intentions are to foreclose my home. I dont have any where to go, I have loss so much already a marriage of over 20 years and now my home, I am extreme devastated. Please help me keep my house, since I have never denied myself to work with my Services.
Equifax leaked personal information of a great number of users. I am listed as " potentially affected '' by their weak security and may had my DOB, SSN, Address, and name leaked.
Dear Consumer Financial Protection, Approximately around two months ago, I opened a checking account with SunTrust Bank in XXXX, GA. After shopping around, I decided to go with SunTrust as they had a good reputation and I like the products they offered. I opened a checking account and decided to get the SunTrust XXXX XXXX Debit Card. I was told that as long as I have deposits of at least {$2000.00} per month, I would not see any monthly services fees. I noticed fees in the past couple months from SunTrust. XXXX was a {$75.00} fee and the other was {$25.00} each. After questioning the bank, I had the {$25.00} fee refunded and was explained that the {$75.00} fee was a XXXX time fee for the XXXX Debit Card. A couple weeks later, I noticed another {$25.00} fee and when I went to the bank to question it, I was told that this was a maintenance fee because I have Signature Advantage Account which requires a daily balance of {$25000.00}. I was then informed that the Select Checking was the account that I should have gotten where the fees were waived for having the the {$2000.00} deposits per month. I was informed I would loose my XXXX Debit Card if I switched. I believe this to be unfair as I was n't told about these fees and the reason I chose SunTrust to begin with was the XXXX feature. I ask that the CFPB please advocate on my behalf so that SunTrust and I can come to an reasonable agreement.
I did n't tell this Mortgage company to run my credit report the Loan office officer name is XXXX This loan officer ran my credit not once but twice and I tried to call he wo n't answer the phone. 
I need these inquiry off my credit report it bringing down my score Please deleted these inquiry from XXXX XXXX to XXXX XXXX
I sent money to my relative but accidentally initiated it twice. I realized my initial error when the transaction came out of my bank account again, causing a overdraft, and it was returned. I called moneygram to fix the problem ( have the second item cancelled ), the representative stated they had no record of the second transaction, just the first. 7 days later the ach is processed again on my account, causes another overdraft and is returned again.
I have been a victim of identity theft. I filed a police report and submitted information to Experian but they have failed to remove the false information.
XXXX and Transunion are reporting me as 30 to 60 days past due on the XXXX account number XXXX. This account has a {$0.00} balance and {$0.00} past due. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
I have been making payments faithfully to my Capital One XXXX credit card via phone and via mail each month. The payments are held or not applied to the account and they even tried to get into a closed bank account that I have not used in several months since moving XXXX. The money is withdrawn from my account XXXX and then they claim I did not make the payment. They are clearly taking my money, and then charging me " late '' fees for payments I 've made ON TIME. I talk to their " customer service '' people who then " reimburse '' the late fee and tell me my account is in good standing. And then? I get a bill with ANOTHER late fee on it and telling me I 'm past due WHEN I AM CLEARLY NOT past due. It 's fraud and it 's harassing and I can not stand it any longer. I 've spent endless hours on this and my time is worth {$40.00} an hour. I want them to cease and desist and leave me alone. I 'm not going to pay them a penny more for the XXXX months XXXX they 've put me through and putting me on hold for endless hours and wasting my time. My time is valuable and I 've got better things to do than fight these rotten companies with terrible business practices.
Sometime on XXXX, 2017, I was trying to get a copy of my free annual credit report online. But when I did to submit my request, the next web page tells me, that I am unable to process my request. It didnt say why or what options I can do to get it. And this XXXX of 2017, I have applied some credit cards and apartment rental application to do background check online, most of the applications are denied due to the 3 credit reporting agencies. And now, checking on my credit score go down because it shows on my reports that I have a hard inquaries showing on my reports to the 3 credit reporting agencies. I also found That there are some incorrect/unaccurate information on my reports.
A mortgage lender opened a credit card in my name without my permission. She did this during the process of my mortgage loan which we never closed on. She stopped responding to my phone calls and emails and when I asked her about the credit card via email, I never got a response from her. She stopped all communication and because of that, I lost my dream home, my money that I invested, time and money lost from taking off work to provide all the documentation that she needed. Now my credit report has a fraud alert on it and it is now causing me to pay deposits for things like my XXXX bill of {$250.00}.
Nation Star failed to correct the dispute I have on dispute against them for the amount they said I owed them back from XXXX 2016. ( please look my letter I did on regards ) Please look for reference CFPB Case # XXXX I spoke with at least 2 representatives from the Customer Relations Department back in 2016 .They promised me to assist me to resolve it and it wont be any late payment fee, instead I been receiving collection letters, Today after i seen Inspections fee ( never took place ) and a late fee on the monthly statement I contacted XXXX at his number XXXX, he said in order to remove those late fees I have to pay the month of XXXX XXXX. *I told him I will formally dispute this Ilegal Charge and all the late fees on regards I been paying from XXXX 2106 up to date, You company never contacted me to resolve it. *Further I requested him formally to provide me a original Copy of power of Attorney from XXXX XXXX to NationStar giving the right to service this deed of trust, He said he will provide me a copy of the deed of Trust, and he said is not any regulation to force them to provide me one.I advised him it wont be acceptable to me I have the deed of trust by the way anyone can have a deed of trust and trying to collect from them. Now in hand I have a Document an email dated XXXX XXXX 2016 from the same investor XXXX XXXX to me saying : " XXXX is the servicer ''. It looks contradictory what NationStar pretending in take a title/capacity perhaps does n't belong to them. I will like the CFPB regulator look into this matter because i believe something is not right. lets remember this Servicing company has fined per this federal agency : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-nationstar-mortgage-flawed-mortgage-loan-reporting/
In XXXX of 2016, my home was flooded in the Louisiana Flood. I have flood insurance. A claim was made to the flood insurance company and a claim was paid. The claim check was made payable to myself and my mortgage company. I contacted my mortgage company to inform them of the damage and of the insurance payment. I also worked with the mortgage company because I intended to self perform the repair work on the house. The mortgage company requested a letter of qualification that i was capable of performing the work and also requested that they be allowed to perform inspections. A letter of qualification was sent, I was approved to self perform, I completed the work on the house utilizing my personal savings account funds. Mortgage company was contacted and an inspection was performed that stated the house was complete. I also turned in receipts for materials spent. To date, the mortgage company will not release my insurance payment to me. It is sitting in an escrow account. Every time i contact them, they give me a different story. I have done everything requested of them and spent my savings to repair my house and they will not release my money. Please help!!!
XX/XX/XXXX I had to get some dental work done and I got a care credit card loan amount was {$2500.00} I spent XXXX in XXXX. I had a 18 month time frame to pay it off I paid it off in my date month which was XX/XX/XXXX in care Credit statements is says that they will not charge interest if loan is paid in full in time. Well they 're trying to charge me interest and then they sold it to XXXX XXXX and I will not return my phone calls or send me anything do n't even contact me but the loan was paid in full in a 18 month timeframe I do not owe them anything and I have ALL the RECEIPTS to prove that I paid off over {$2500.00}, the exact number is. XXXX dollars was paid to XXXX BY ME. THEY 'RE CROOKS AND THEIVES ... ..SCAM ARTIST 'S. I HAVE TRIED TO SEND MY PICTURE OF MY RECEIPTS 6 DIFFERENT TIMES AND IT KICKS ME OFF .... PLEASE HELP ME
On XXXX XXXX 2015 my father died. Consequently I incurred a lot of funeral and death related expenses. I paid {$5500.00} on my account. An error was made and Citibank tried to retrieve {$6500.00} and my bank said there were " insufficiant funds ''. Citibank did not inform me immediately of this and tried to retrieve the {$6500.00} two more times. Again NEVER informing me via email or otherwise that my bank had not paid. On XXXX XXXX I realized the error and Citibank told me to pay. I immediateIy paid {$12000.00} on XXXX XXXX, 2015 ( clear XXXX ) and a further {$3500.00} on XXXX XXXX, thus paying off my ENTIRE balance. I was originally told that I would be able to use my credit card once I made the payment and did everything they told me to do. please note that I was NEVER behind on a payment, my intention was to simply pay down the balance. 

Citibank unjustly closed my account based on what is clearly an error, and clearly their error. Their letter ( attached ) states it was closed after several " mulitiple returned payments ''. yet there was only XXXX payment returned and they failed to immediately inform me. ( I had signed up for electronic alerts ). This has caused a snowball effect : I no longer have any credit cards ( this was my only credit card ) and they have unfairly reported this to credit agencies saying my account was closed due to unpaid balance. This is completely unfair and I believe illegal because I 've NEVER EVER had any unpaid balances or late payments with Citibank. 

I would also like to point out that Citibank failed in their duty to protect and help me as a traveller. In fact, when I was made aware of the returned payment problem, i was in XXXX XXXX DURING THE TERRORIST ATTACKS. I had purchased my ticket using my Citibank XXXX Mastercard that had travellers ' protection. They closed my account while I was stranded in XXXX during the terrorist attacks that occurred XXXX XXXX 2015 and Citibank closed my account and would not help me. I would also say they took advantage my father 's recent death because they knew that the expenses incurred were primarily from the funeral. ( see Citibank statement XXXX XXXX XXXX funeral home. Also note that expense there after, housecleaning, flowers, etc are all linked to my dad 's funeral ).
There is a state of Georgia tax lien still showing on my report that was withdrawn in XXXX 2016. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the Georgia state tax lien release forms ( which I also have attached here for your review ). I have also verified with each county that the lien withdrawals have been recorded. Equifax continues to improperly report the lien and refuses to recognize the withdrawal. The other CRA 's ( XXXX & XXXX XXXX ) removed the lien from my credit report immediately
I paid my co-pay and XXXX paid their part of the bill. These are extra charges never billed to me but ended up on my credit report. The Collection Agency had removed these charges but put them back on my credit report after I paid XXXX XXXX XXXX XXXX bills.
A guy named XXXX called to offer me a refund for a computer program I purchased, {$290.00} on XX/XX/2015. I had to have it returned to a checking acct. with a debit card.He made the refund and then said it was to much the bal. after the refund was XXXX. He said I would have to go to a XXXX and return the difference.I sent him XXXX on a XXXX, and that was all the money I had in my acct.The deposit he made was a fake transaction.The firm he gave me was XXXX
I am a victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. 

Please delete this information from my credit report, pursuant to section 605B of the  Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter, and await your reply.
Hi - I got a hard inquiry on my TransUnion credit report dated : XXXX XXXX, XXXX. This inquiry is in error. The inquiry looks like it is from XXXX XXXX. After researching a bit, I found out that this is a commonly occurring entry on people 's credit scores without them requesting it. My XXXX XXXX took a hit by XXXX points because of this. I tried calling TransUnion but I only got to a customer service representative once and did not receive any help. I would really appreciate any help I can get in this matter. 

Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
GreenTree Mortgage LLC offered me a Mortgage Modification Trial Period Plan ; however, their offer was dated XXXX/XXXX/14 and I received it on XXXX/XXXX/14, the same date the XXXX payment was due. Their envelope was not postmarked so I could not confirm the date they actually mailed it. Because I could not confirm the date they mailed it and I received it so late, I could not trust their offer was legitimate and therefore I did not make the XXXX payment due XXXX/XXXX/14 which is the same date I received their offer.
Bank of America decided they wanted to make money off of my banking account as soon as I was hired at a full-time job, so they started charging me a monthly {$3.00} service fee for what they call 'check images ' attached to my monthly bank statement. This service has absolutely no value to me. BOA is just exploiting consumers by providing a service without prior consumer authorization. Even worse, is the fact that in order to stop this 'service, ' BOA wastes citizens valuable time trying to contact them. 

They did send some paperwork saying that account holders could decline, but there is no way to do this without spending an inordinate amount of time either waiting for phone service, or having to meet with someone at a branch. Also, there is no easy way to find an address where one can write to this bank to quickly resolve something like this. 

I have tried three times to cancel this 'service ' -- two times on the telephone, and another time I asked the bank branch greeter to provide me with an address where I can send a letter, but he could not give me one without turning my request into a long research project. 

I am asking your help to get all of the {$3.00} charges reversed so I get all my money back since they started this in XXXX 2015. Additionally, as you can guess, I want this monthly 'service ' and the unnecessary charges stopped since the images are of no value to me. What they are providing is just XXXX 'check ' image that BOA creates to go along with my phone/internet payment on my Target bill -- it is n't a 'real check ' at all. Their image is useless because when one pays a bill over the phone or on the internet, customers are given a confirmation number. This BOA practice exploits account-holders. I have categorized this complaint as an unauthorized withdrawal within your category ' Deposits and withdrawals ' since you do n't have a category for 'service charges. '
This company AmerAssist, is constantly calling my work at least XXXX or XXXX times a day harassing me and my coworkers for personal financial information. They have been told on numerous occasions to stop contacting my place of employment as well as a letter has been sent to the company to stop all communication unless in writing. This company will not stop calling no matter what I do. This so called debit they are trying to collect is XXXX times the amount of what is actually owed and false. I do not owe this amount!
Extended fraud alert and all these inquiries are not mine : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
The Credit CARD Act of 2009 requires banks to give at least 45 days notice of any significant changes to a consumers account. On all 3 of my credit cards with USAA bank, with no notice they restricted my account access, within a week my available credit was frozen and shortly there after all my accounts where closed. I was provided no notice and was given no actual explanation. I 've requested documentation on numerous occasions which was all ignored.
All Bureaus XXXX, Equifax, and XXXX have failed twice to investigate my disputes. As you can see from all the documents. It 's been over 260 days since I sent my first dispute letter and a duplicate of it on XXXX/XXXX/2016. This is against my right to dispute my credit. I would like the CFPB to investigate and demand the removal of all issues in question on my credit reports. Thank you.
Bank of America charged me interest on new purchases in the same statement cycle they were made despite the fact that I paid my previous balance ( a 0 % balance transfer offer not expiring for another month ) in full.
They will not allow me to get lower payments. I ca n't afford XXXX a month single mom. They call me at least 8xs a week
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), XXXX XXXX XXXX, AMERICAN EXPRESS ( AMEX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -AMERICAN EXPRESS ( AMEX ) on XX/XX/XXXX, -XXXX ( XXXX ) XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX  on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX  and American Express ( AMEX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Disputed amount of {$62.00}, {$62.00}, {$62.00} owed to XXXX XXXX XXXX XXXX on XXXX, ( was on all 3 Cr. Bur. ), as unpaid-in collection. Then there was XXXX XXXX XXXX. I disputed the loan was n't mine, my information was used to commit fraud, I had talked to the company prior to this and they even told me how the crime was committed against me, but still continued to allow this to destroy my ever having credit. Amounts disputed, {$920.00}, ( on all 3 Cr. Bur. ) date disputed-XX/XX/17, then on the same date I also disputed {$410.00} to XXXX XXXX Bank XXXX dispute sent to all 3 Cr. Bur., {$85.00} due to XXXX XXXX XXXX, disputed to all 3 Cr. Bur., on XXXX/XXXX/XXXX. XXXX sent me back the inv. Results and XXXX XXXX XXXX XXXX. Was Deleteed, XXXX. XXXX was DELETED, XXXX XXXX XXXX. Was DELETED, and XXXX. XXXX. Bank was Disputed w/ info, updated. They put it back at what I knew I owed {$300.00}. Equifax, Waited 1 1/2 hrs, never answered. They sent me back a result of " no change '',. Equifax, is absolutely unwilling to help at ALL!! They sent me all around the world, never got any help. I want to also say I tried the last time to contact the creditor XXXX XXXX, it was admitted to me the manager at the time had also scammed 2-3 other customers. He would continue to reborrow money under our identity. I got cussed out ft not understanding. This was supposed to be handled in XXXX, instead he skipped town, my credit continued to get worse and worse. I had to pay unbelievable finance charges on anything I would get and then I had to use XXXX companies that on touched the WORST credit. I filled out a report on my account being frauded in XXXX.
On XX/XX/2018 we contacted XXXX 's XXXX about a past due bill. They directed us to Transworld System. We called and asked what was the amount we needed to pay to pay this account in full. We were told to pay {$660.00} to pay this account in full, that they could waive a {$100.00} off. We gave our credit card info and paid the amount. Not more than 10 minutes later, the representative called us back and stated that she did not have the authority to waive the {$100.00} and our account was NOT paid in full and we needed to pay it. I asked to speak to a supervisor and was put in touch with XXXX XXXX collections supervisor. I stated that I thought it was illegal to tell us the account was paid in full and then to call back and demand more money. When I threatened to file a complaint she said that the money would be waived. Now I find that she did not waive the XXXX and that our credit bureau account reflects that we failed to pay in full. When I called on XX/XX/XXXX looking for the letter that was promised, I was told the account was paid in full and the letter was on it's way. Today, I checked our credit and find that they lied and we still owe the {$100.00}!
I had paid off an apartment collection from 3 years ago and sent equifax a notice to update the balance. They claim that they verified the balance however my letter show 's the account was to be updated and removed. They are liars and ca n't believe that they can just get away with this.
I had a hospital bill for XXXX dollars. I am currently paying them directly. A collection agency is saying I owe XXXX for the same debt and that it is the principal amount not the interest. They are lying and trying to collect money when I paid the original debt and for far more than owed.
My funds have been frozen because someone said that a quick pay went into my account from their account in the amount of {$50.00} on XXXX XXXX, 2017 that they did not authorize. I did not notice the transaction it used to be you had to accept or decline a quick pay but that is no longer an option. I have not had access to my account since XXXX XXXX, 2017. I had over {$200.00} before the deposit and now I have over {$950.00} ( and that 's without the {$50.00} ) .ive called several times they say maybe by XX/XX/XXXX it will be released