WillisBack/dataset-financial-user-claim huggingface dataset:
I was going through a modification I completed all steps.I received final document and I had questions concerning documents regarding names on documents.They transferred my case to another department and was acts to provide a copy of my divorce decree from my ex-husband who I divorced back in XXXX and a copy of a quit claim deed.I provided her with those items.I was then told that my divorce decree had to say I was awarded the house.I originally told XXXX my point of contact that my divorce decree did not say .I informed her that it was n't until XXXX that my ex-husband signed the quit claim deed.I informed her that I documents from the appeals court of California stating that the house belong to me.I faxed them over to her and couple of days later I receive a letter stating I was dropped from modification review because I did not send modification paperwork .Not one time did my new point of contact mention the old modification paperwork and when I called my old point of contact I was told she was no longer handling my case.I feel that my point of contact did poor job in handling my case and that I was treated unfairly.I would like for Wells Fargo to reopen my modification review and also bring my mortgage current .I was told that payments was not do until XXXX because I was approved as long as I completed the trail period.I completed the trail period ahead of time. Wells Fargo was incompetent in approving my modification and they have caused me a financial hardship.
Wells Fargo in XXXX Texas-im a XXXX for 15 yrs doung business banking with only them- XX/XX/XXXX I had ti cancel my Business cking acct. due to fraud and identity theft! I then try to apply for a personal loan and was denied fo to " information from a XXXX party ''! at the same time of my application being reviewed, the banker proceeded to open a cking and a savings acct in my name after i told him i did nit want a personal ck acct with a debit card or a savings acct, and not only would i nit receive the alleged debit vida card, becsuse someone had changed my mailing address over 10 times, He says to me " i will hv it sent to me personally here at the branch ''! I honestly thougt he was joking! Until i was denied a personal loan fir XXXX when clearly they knew my income because they were my proof of income from my business cking acct that i had to close but was reasured that a fraud claim would be opened and taken care of once i had an opportunity to go through XX/XX/XXXX statements and receipts. I then received a statement weeks later of my New Cking acct and savings acct that i never opened nor received a denit card to!!! Mean while the business cc that was maxed out that was attatcged to my old business cking acct that i had to close do to fraud, They sent me a lettter in the mail Canceling my card completely with no warning or reason! My credit is now lower than ever before and they broke the law! i hv yet to go inside the branch to speak to the loan officer who took a week and and a half to deny me credit! He stated " your loan number is So long it just takes me forever yo continuously type it in ''!
I inherited the property from my brother and the title was transferred/closed in my name. The mortgage payments were {$450.00} per month XXXX XXXX. The taxes, insurance, mortgage was in my name. I paid the mortgage without a problem. The loan was transferred to SPS servicing in my name and I continued making payments. I received a notice that my payments would be increased to {$1300.00} XX/XX/XXXX for increased property taxes. I attempted to work with SPS to resolve this issue and was told I could modify the loan. I begin the modification process, ( paid {$1300.00} XX/XX/XXXX last payment ). Suddenly in the middle of the process SPS refused to communicate with me stating I did not have own the property. All my telephone calls, emails, and a complaint letter went unanswered for months. I hired an attorneyXX/XX/XXXX and SPS would not return his calls. My ownership was never challenged with XXXX XXXX or SPS until I attempted to modify my loan. Meanwhile SPS started foreclosing. My complaint is SPS purposely refused any communication with me from XX/XX/XXXX to now to purposely foreclose on my property. I am a disabled senior living in the property. I need help to resolve this matter.
XXXX XXXX XXXX XXXX and XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
To the lengthy respons  e from Works and Lentz, which failed to address as to why has it taken them almost two years to contact me regarding the debt again ; then having your collector tell me " its your debt, not mine '' ; as much as is my debt, you guys want to collect that money back for your client, right?
Also, why would your collector tell me is not their fault they might not have the correct contact information for me?
Works and Lentz job is to collect money back for the clients they represent and track them down if necessary.
Also, as the Works and Lentz represe  ntative said in their response when first spoken to me back on  XXXX   2015 , I mentioned this debt to be consolidated with the rest of my  XXXX  account if they knew that was not going to be the case why did they not mention anything?   I am still beyond upset at the   way this debt is being handled.
Its alarmning to know companies like Works and Lentz are still in business especially with the reputation they hold in their industry.
This company has continuously called me on two different phones. They call over 3 times a day on each phone. So this would be 6 times a day.
I have a HELOC on a second home condo in VT. The loan is with PNC. It balloned on XX/XX/XXXX Since XX/XX/XXXX I have been speaking with PNC regarding a refinance .I sent the app XX/XX/XXXX and was denied do to credit ( approx XXXX ). They told me to reapply on XXXX XXXX. At that time I was told i would have to apply for a LM. In the begining of XXXX I was contacted an was sent a LM application which I completed and returned. Approx 4 weeks later i recieved a HARP application. I called a explained the loan did not quauilfy for HARP because it was aHELOC and a second home. I was told I did not know what I was talkin about. Approx XXXX weeks later they called to to inform me the loan did not qualify for HARP and they would proceed with the orignal LM application. In mid XXXX I recieved the LM agreement raising my payment XXXX fold which I signed and returned. During this process i had applied for a refi on my primary residence. Which was approved. Until they pulled the final credi report prior to closing. PNC reported me 90 days late. My score drop from XXXX. As you cn quess I was denied. This loan also would have paid PNC off. the credit reporting proceedure was never disclose to me. I was assured of a refi. Had I known how they operate i would have gone elsewhere when my credit was still in tact. To me this was bait and switch. How could I be turn down for a loan with my payment going from {$86.00} to aprrox {$180.00} but approved for a LM with a payment of {$430.00}. Allso I made the interest payment every month. I am requesting the remove the 90 day lates off of my credit report. This will also have a impact on all of may other credit.
XXXX XXXX XXXX - servicer of credit card with XXXX XXXX XXXX XXXX XXXX decreased my credit limit by {$500.00} based on a credit score pull. this was done without my permission.
XXXX/XXXX/16 Western Union XXXX XXXX Contacted WU for refund MANY times as this transfer was rejected by the Bank XXXX XXXX. Many times WU said this $ would b back in my account within 48 hours, but it has never been refunded. On the XXXX, they asked for my bank deposit records from XXXX XXXX to present to be sent to XXXXXXXXXXXX so that they could confirm that I have not received the refund. Was told we would b contacted within 48 hours. No contact, no refund. Today, I just resent my bank deposit info and letter to XXXXXXXXXXXX and they sent back that this is registered as case # XXXX
On XX/XX/XXXX {$100.00} was sent to XXXX XXXX XXXX for " Bills. '' On XX/XX/XXXX {$200.00} was sent to XXXX XXXX XXXX for " Bills. '' On XX/XX/XXXX {$200.00} was sent to XXXX XXXX XXXX for " XXXX. '' On XX/XX/XXXX {$300.00} was sent to XXXX for " XXXX XXXX. '' On XX/XX/XXXX {$200.00} was sent to XXXX for " XXXX XXXX. '' On XX/XX/XXXX {$200.00} was sent to XXXX for " XXXX. '' On XX/XX/XXXX {$400.00} was sent to XXXX for " XXXX. '' On XX/XX/XXXX {$500.00} was sent to XXXX for " XXXX. '' On XX/XX/XXXX {$300.00} was sent to XXXX for " XXXX & XXXX. '' On XX/XX/XXXX {$250.00} was sent XXXX for " late fee/registration fee. '' On XX/XX/XXXX {$300.00} was sent XXXX. 

All the transaction 's happened through my USAA account through XXXX the app that has a partnership with USAA happened, to move into a room in XXXX XXXX apartments in XXXX, California to move into a apartment with a XXXX XXXX and when i sent that last transaction on XX/XX/XXXX i was supposed to move into the address XXXX XXXX XXXX, XXXX, California XXXX and he stopped responding and disappeared and that's when i realized that i got scammed.
XXXX XXXX is claiming that I still owe {$100.00} from a visit to the emergency room that had an original balance of > {$800.00} inXX/XX/XXXX. According to their website, a payment that I made of {$77.00} onXX/XX/XXXXis still pending application against my outstanding balance. InXX/XX/XXXX, I was disputing the remaining balance with XXXX and requesting supporting documentation to show that my {$77.00} had been applied to the balance. Subsequently, XXXX referred my account over to National Recovery Agency of XXXX, PA.
I received a debt collection letter from them around XX/XX/XXXX. The letter contained no dates on it ( how does that comply with FDCPA requirements? ) and was an attempt to collect the {$100.00} balance that is not completely owed. Upon receipt, I submitted a payment of {$31.00} ( the amount I agree was still outstanding ) on XX/XX/XXXX along with a dispute letter challenging the total amount owed. In support of that dispute letter, I also included a screen shot ( dated XX/XX/XXXX ) of my account from the XXXX  website evidencing the pending payment of {$77.00}.
National Recovery subsequently called on XX/XX/XXXX attempting to collect this debt. During that call, they indicated my check was being returned and not accepted and that they would be looking into the dispute. I authorized my husband, XXXX XXXX to speak with regards to the account. In his discussion with a supervisor name XXXX, he requested that we call back on the following Wednesday and would have more information for us at that time. When we returned the call on XX/XX/XXXX, XXXX was not available and I was instructed that he did not have my information and that I needed to email it to him and XXXX I did so on the same date and have yet to receive a response.
On XX/XX/XXXX I finally received my return check. The letter from National Recovery is dated XX/XX/XXXX yet the post mark on the envelope is XX/XX/XXXX, nearly a month later. Included with my returned check is my original letter and supporting documentation. At this point, I fear that they will begin adversely impacting my credit, when I have been attempting to resolve the remaining balance since prior to referral to collections. National Recovery clearly does not appear to be following thru to support the amount they claim to be owed and by returning my evidence, they have shown a complete disregard for validating the debts they are collecting.
To make matters worse, they have refused to respond to our prior complaint because my husband 's name was also used. Although I 've previously authorized him on the account, they are claiming he is an unauthorized third party as a method of avoiding their responsibilities and being held accountable for their tactics.
Looked at my credit report today XXXX-2018 noticed a collection from I C System appeared, it states a debt from XXXX XXXX XXXX XXXX XXXX XXXX I spoke to someone previously about a week in a half ago because the letter was dated XXXX-2018 and it was delivered upon the time I called a week in a half ago, I told the rep the problem that apparently the company is sending mail to the address where the account was created and the mail was forwarded to the address I currently live, I stated I have no knowledge of the situation the representative stated the company would look into the situation further and put it in dispute status and validation would be sent, it was never stated upon the company after the conversation that within a week look for it to appear on your credit reports I called today spoke to Employee # XXXX name XXXX XXXX not sure if this is accurate but this is what he stated his name was and absolutely no help he pretty much was blunt about me paying and no validation was needed, not sure if this is the practice but it was absolutely not right to feel this way for something I have no knowledge about. All I ask the company is to remove the information from all my credit reports until the investigation is done.
I was contacted by Discover student loans in XX/XX/XXXX and was told that my in school deferment had expired and that I needed to reapply and that it would take approximately 4 weeks approve and to call back. I contacted Discover again in XX/XX/XXXX and was told I received misinformation but that I may have additional deferment time and that they needed to look into things further. During this time I was speaking to Discover daily and receiving different information every time I spoke to them. I informed Discover that I could not make payments for the full amount of XXXX dollars because I am in school completing my XXXX degree and my family was preparing for a move across the country because of my husbands military status. Finally in XX/XX/XXXX an account manager informed me that if I made payments of XXXX on XXXX of the month that I can have a rolling delinquency and my account would not go into collections status. Discover contacted me this week and told me that my loan was 92 days past due and that they had reported my account to both my and my co-signers credit reports. When I spoke to an account representative he informed me that he saw where the account manager had given me the information in XX/XX/XXXX and that he could see that I had been making the payments on the XXXX of the month since but that the information I was given by the account manager was not true. He also informed me that had my account not been placed in collections status that my co-signer could have been removed from my loan but that " they do n't like to tell people that '' and now it was to late to do. He also told me that because they purchased the loan from XXXX that they can not do anything for me and that their hands are tied.That they are not honoring the terms that they honor for their own loans but instead are sticking with the originally terms.I have received misinformation from Discover at every turn and honored the agreement that I was told would keep my account from reaching default status in XX/XX/XXXX but I am continuously being lied to and now it has seriously affected my credit.
I began the application process of applying for a loan through Mountain Summit Financial online. However, when it got to the point of signing documents, I decided that I would not go with proceeding with the application, therefore I did not sign the documents. However, I received an email on XXXX/XXXX/17 from Mountain Summit explaining that I was late on a payment for a loan I " supposedly '' received from them. Because I never signed the documents, I never received a deposit from Mountain Summit Financial in either of my accounts that I hold with XXXX, however they charged my account with a return fee because they tried to retrieve funds that were not there. I checked my bank account records, both my checkings and savings, to ensure that I did n't miss anything and I have n't. I also tried to log into the Mountain Summit Financial portal, using the forgot password link, but it could not find an account associated with the email address Mountain Summit Financial used to contact me about the overdue payment. This whole situation is not right, and fraudulent, and I am unsure how they received my signature and my bank account information. This is really concerning.
A dispute to stop a payment for {$1100.00} was started by me on XX/XX/2018, when a dry cleaner 's accidentally charged me twice. The service was for {$130.00}, but an additional payment of {$1100.00} was requested by mistake, and I contacted Citibank to remedy this. The bank acknowledged the dispute, and credited back the {$1100.00} into my account a few days later. 

Then, a month later, on XX/XX/XXXX, I received a charge of {$1000.00} from Citibank along with a letter stating that " The proof of alternate payment you provided was less than the amount in question '', and when I called them again regarding the letter and the charge, their representative provided no reasons for why the dispute results were reversed, and simply said that they will send another dispute to " fix '' the {$1000.00} charge. No explanations regarding " the lack of alternate payment 's proof '' was given when I asked how there was no proof when the 2 charges in question were clearly recorded in my bank account that they are in charge of. 

Today, a month after my second call in XX/XX/XXXX, I received no updates, no correspondences, and the {$1000.00} charge from Citibank is still present in my account. When I called their dispute center again on XX/XX/XXXX, I was told to wait another 6-9 business days until another update comes through : the exact same thing I heard back in XX/XX/XXXX. 

Based on my experiences and answers that I received from Citibank, the bank has made no attempt to contact the merchant to verify the original mistake, reversed a clear-cut dispute and charged me a {$1000.00} with no explanation, and has made no progress in remedying the situation in almost a month 's time.
I open a credit card with XXXX XX/XX/XXXX I was late in XX/XX/XXXX due to financial hardship due to job loss I have tried to get them to remove late payments since I have been current with them since XX/XX/XXXX they have refuses to do that stated they can not remove them from credit bureaus
Upon checking my credit report, I noticed an account by the name of rise reporting to XXXX concerning me. I called and spoke with a XXXX agent with my concerns and inform them this was n't my account. The agent replied to me that the account was in good standards and as I told him, I do n't care it was n't my account and to remove it. I 've been a victim of Identity theft and I 've filed a police report case number XXXX Officer XXXX with the XXXX, Alabama XXXX Police Department. number XXXX. I 've also sent a Certified Letter with a returned receipt that I have to XXXX XXXX and Rise also the other credit reporting agent concerning this Rise Account along with a police report and Identity Theft notarized affidavit.
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. According to the tool made available by Equifax Inc. my information has been impacted by this cyberattack, including my SSN, date of birth, address, and possibly my driver 's license number.
On XX/XX/XXXX I received an email from Checkr who performed a background check for XXXX. The information on the criminal background check is incorrect and I would like this to be resolved immediately. Checkr states I pled XXXX XXXX on a XXXX XXXX XXXX on XX/XX/XXXX. The court records clearly states the charge was Dismissed. Ive attached the consumer report along with the court records.
I made an ACH deposit to my account at SallieMae Bank, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX UT XXXX on XXXX XXXX 2015. 
The bank put a two week hold on this deposit, which is in violation ofeven its own rules, which state that such holds are for check deposits, not for ACH transfers.
I mailed a request to National Consumer Telecommunications & Utilities Exchange ( NCTUE ) Exchange Service Center for my disclosure report and score. The CFPB XX/XX/2018 " List of consumer reporting companies '' states for NCTUE : " The company will provide one free report every 12 months if you request it. '' I have never requested or received this info from NCTUE before. In response, I received a letter from " XXXX XXXX XXXX XXXX '' demanding {$11.00} and {$7.00}, respectively, for the info. Why is NCTUE refusing to provide the info for free?
Equifax XXXX, XXXXSOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police reportI 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as followsXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX RECOVERY Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX