WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo foreclosed on my XXXX-year-old mother 's home in XXXX, as she was unable to pay a mortgage refinance that did not seek out nor could support on her Social Security and XXXX XXXX retirement. Unscrupulous salespersons contacted my mom many times to get her to refinance her house at a rate she could not afford and terms she could never repay. She purchased her home in XX/XX/XXXX for {$25000.00}, and houses in her area are currently appraised in the $ 55,000- {$75000.00} range. Mom finally relented and agreed to the refinance XX/XX/XXXX, 15 months after she had suffered a debilitating stroke, when she especially needed any extra money to offset healthcare costs. The loan amount was for {$180000.00} ( based on a grossly inflated appraisal ), and it appears Mom 's income was fabricated to qualify for the loan. It is an adjustable rate mortgage, with an above market start rate of 7.35 %, but it could ONLY go up because 7.35 % was also the floor for the mortgage. To make matters worse, the loan had a five percent pre-payment penalty during the first two years. The loan also had a 40 year amortization schedule, but was for a 30 year term, meaning that Mom would have a substantial balloon payment of over {$100000.00} due in XX/XX/XXXX, when she would be almost XXXX years old. Mom tells me that she contacted Wells Fargo on a number of occasions to seek a loan modification. Each time Mom says that her paperwork would be lost by Wells Fargo, or she says that additional documentation was requested ( even though Mom believes the documents were previously submitted, multiple times ). At one point, a representative told Mom that she was ineligible for a modification because her loan was current. When she finally fell behind, she says she was told that she was not eligible for a modification because her loan was in default. Mom says her multiple requests for a modification were never approved, yet she believes that she never received any kind of acceptable explanation as to the basis for the denial. At this point, she will very likely lose the home she has had retrofitted with a number of items that help Mom function more normally, such as pull up bars and other items that compensate for her XXXX and assist her with every day activities. My XXXX siblings and I were not aware of the situation until after the foreclosure occurred this past XXXX. Between us we have cobbled together our available cash, which exceeds the price that Wells Fargo paid at auction, and offered to buy the house from the bank in the hope they will see that it is in everyone 's best interest to do so. Unfortunately, we hold out little hope that they will accept it, since they have told us on the phone that, as family members, we are " at arm 's length '' to the transaction and would be ineligible to purchase the home for her. Regardless of what happens in our case, we hope to alert others to these unscrupulous practices and encourage our lawmakers and regulators to rein in such abusive practices immediately, to spare others the same pain our family has endured.
I checked my credit and found that XXXX XXXX XXXX DID NOT remove he account as promised, if I paid the debt in full. Instead, they have reported it as charged off paid. That is NOT what was promised to me by XXXX XXXX, Sr Collector at XXXX XXXX. I want this account removed ASAP!
tried to update and remove incorrect addresses from equinox credit report. my requested changes do not get incorporated and feedback is cryptic and not understandable. 
specifically, i 've never lived on XXXX in XXXX in my life!!!!
These inquiries I did not authorize. The dealerships decided to submit my loan deal through banks I asked them not to contact. Dispute Summary All items you identified for dispute are listed on this summary page. Please review your selections. Once you have finalized your selections, please click on the submit button below to initiate the dispute process. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX, XXXX - XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXXE XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX, XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry.
I opened a checking account with chase esponding to an ad that if you deposit a direct deposit into your account they would give you a XXXX dollars bonus. They closed my account after the direct dposit hit giving them a chance to securitize the deposit. Then they denied me my bonus after I met their requirement. I can understand their stipulation of taking the bonus back if I closed the account but not them.
I cqalled to settle debt and was on hold for multiple hours not only did they change the amount with every call transfer ( Which is not proper busniess pratice ) I EVENTUALLY settled and paid debt off XX/XX/18. I'm in the process of purchasing a home in the escrow final stage process. I need proof of payment .I have recorded all my phone conversations with the company based on the horrble consumer reviews reported by others. By law I'm entilted to proof of payment within 7 days. I have contacted multiple law firms regarding this matter and have picked XXXX XXXX to represent me if this compalin is not resloved.
I get approximately 8-10 calls a day not 3 mins goes by and they keep calling some calls from unknown number and other numbers appearing from out of state the numerous calling throughout the day is ridiculous and has reached harrasment morning afternoon day and night calling
Asst Acceptance LLC purchased my credit card debt from the XXXX XXXX XXXX XXXX. I filed bankruptcy and XXXX purchased the debt. They refused to correspond with me to send statements that the money I paid them was being applied to the debt. They also charged interest and refused to credit the payments to the debt.
Tried to contact one two different occasions both times spoke with very rude people over the phone. The first time attempted to set up a payment plan and was told that my only option was to pay in the debt in full all once and was given no other options. The second time tried to set up a payment plan, agreed on one but when I asked for a letter stating I was going to set a plan in place and asked about a written validation notice, was told they could not provide me with nothing but that I was expected to give over my banking information over the phone right then and then the only thing I would get was a bill in the mail 7-10 days before an automatic payment would be set up. Refused to send me anything about the debt or that I was attempting to settle it. When I stated I did n't feel comfortable with giving my information over the phone until I was given something about he debt in the mail I was rudely told they do n't do anything and I can just do this some other time, then he rudely said bye and hung up.
XXXX keep using unethically my credit card details without my aproval to charge me on XXXX for a service I do n't want and I did n't request
Im under extreme financial hardship due to a serious life threatening medical condition that required emergency  XXXX , multiple hospital/doctor visits and ongoing treatment. I have explained this to Navient many times and simply can not afford to pay my student loans. They call me and email me at lea st 6 to 10  times a day from different phone numbers and it 's maddening. They do it early in the morning, late at night and during my work day and it 's absolutely inappropriate and aggressive. It has caused me so much unnecessary stress that is actually impacting my already fragile state of health.
I was erroneously charged twice by XXXX on XXXX XXXX. XXXX was a {$15.00} charge, and the other was a {$16.00} hold. 

The two charges brought my account into overdraft, incurring a {$36.00} overdraft fee from SunTrust bank. I called XXXX and had the issue corrected. They said they would refund me the charges and that it would take 2-3 business days. 

I then called Suntrust to notify them of what happened. I told them the two XXXX charges were a mistake and being refunded, and asked to be refunded the {$36.00} overcharge fee. They refused, but did say that once the XXXX charges are fully refunded, then they will refund the {$36.00} overdraft fee. 

On the very next day, however, XXXX XXXX, SunTrust hit me with a SECOND overdraft fee, still related to the erroneous XXXX charges. So despite the fact that I called and told them the XXXX charges were in error, they used them as the basis to hit me with two separate overdraft fees, totaling {$72.00} XXXX all because of two XXXX charges does in error worth {$31.00} XXXX. 

Representatives at SunTrust have been completely unhelpful to me addressing this. Instead of working with me to prevent the overdraft fees once I informed them the charges were in error, they instead kept hitting me with the fees. 

They claimed the fees are applied automatically by a computer, and that for a human to override them and credit me the {$36.00} overdraft fee, I would have to await a phone call from a supervisor which could take 3 business days. 

Having {$72.00} stolen from your account by your banks due to a {$30.00} mistake that is in the process of being refunded, created an exceptional hardship in my life. And that lack of responsiveness by the bank made the problem much worse.
I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out XXXX for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report
In XX/XX/2018 I started refinance of my house. In the middle of XX/XX/2018 I was notified by my lender that they are unable to obtain my credit score from Experian. On XX/XX/XXXX I contacted Experian and was told that they have a glitch in the database, they created Ticket # XXXX and said that it will be fixed within 3-5 business days. 

On XX/XX/XXXX I contacted Experian again and was told about the same glitch in their database, they created another Ticket # XXXX and said that it will be fixed within 3-5 business days. 

On XX/XX/XXXX I contacted Experian again, talked to several different people, finally was transferred to a supervisor by the name XXXX, she was extremely unprofessional and not helpful, she said it may take weeks or months for them to fix the issue with my record and score. I asked them for a letter stating that they have a problem with the database, but they rejected giving me the letter. 

As of this day it hasnt been fixed, I can't obtain a loan, lost lock of the interest rate and dont know what to do.
XX/XX/2017 XXXX XXXX points purchased XXXX XXXX XXXX XXXX XX/XX/2017 Purchase price {$4000.00} We were told the XXXX Sampler points would be applied to any new purchase because it is an investment and would be considered equity that would be credited toward the purchase of annual points. However, when we did purchase XXXX points, only XXXX of the XXXX were transferred over. We had not used any of those points we had paid for. 

The {$4000.00} we paid for the XXXX was not credited toward the purchase of XXXX points. The XXXX XXXX presentation lasted from XXXX XXXX till XXXX XXXX. We did not sign the contract until XXXX XXXX at night. We were rushed through the paperwork They would not give us our license back when we left for lunch. Even the manager would not give us back our license. My wife felt like she was going to pass out because she was XXXX, but they would not let us leave. Her XXXX XXXX was down. 

We purchased XXXX annual points at XXXX XXXX, XXXX XX/XX/2017 Purchase price {$15000.00} Amount financed {$12000.00} Sales agent XXXX XXXX XXXX, Director of Sales XXXX XXXX was the highest person there XXXX was QA They ran two Barclay cards for two joint applications. We only wanted one Barclaycard. We were told if we opened a Barclaycard we would never have to pay maintenance fees. We were also told points can be converted to dollars to pay maintenance fees because fees will go up 10 % every year and the inflation on the fees wont match our fixed income. We have learned you would have to charge {$100000.00} in a year to pay a {$1000.00} maintenance fee. 

We told them we dont have the money. They said if you cant pay this we will put it on a Barclaycard. Your points are now equal to a dollar value. We were told the new thing is that all your points are worth money so it doesnt matter if you cant afford it. The points will go up in value. 

We could not use our next stay at XXXX XXXX XXXX booked. We had to check out early. We were told once we were an owner, our room would be automatically upgraded, but the room was too small and was not upgraded. 

When we looked into selling points we learned there is no value. 

I am on XXXX, medically XXXX VA XXXX XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX  On food stamps
I have been actively ATTEMPTING to have the incorrect information regarding my Student loans deleted from my credit report for entirely to long to no avail. I have contacted Experian to get correct validated data several times and each time they only retunr saying they have verified the info. I know this is incorrect because the information they are reporting is not the same on every account. Although these student loans show up as four individual loans, they all should have the same payment information as I was making 1 payment and the company XXXX was dispursing the payments to each account equally. So for the loans to not all have the same information is false. I contacted Experian via CERTIFIED mail ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX, regarding this account being reporting incorrectly yet again. I listed my consumer rights as stated by FCRA law, as of today XX/XX/XXXX I have not had any coorespondence back from Experian regarding this urgent matter. To follow up once AGAIN, on XX/XX/XXXX, I mailed another letter stating that i expected Validated information showing my signatures on the deferment and forbearance paperwork showing the dates that the payments shouldve been included therefore NOT late. To this date I have not heard anything from Experian regarding this matter. It is against FCRA law, to which they are legally bound, for them to knowingly report false unvalidated debts on a cosumers credit file. I also stated the penalty for such acts per section 617 of  the Fair Credit Reporting Act for Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ).
To whom it may concern : I went through XXXX XXXX to see about refinancing my auto loan. When I asked to see what kind of loan I might be able to get I was contacted by several agencies. I ended up speaking with the first one that contacted me and they advised me they would do a soft credit inquiry. I agreed to it, however, I got a hit on my XXXX  Credit report from a company I hadn't even spoken with. They pulled my credit report which lowered my score without my consent. Below is their information. 

Alert Date XX/XX/2019 Source XXXX  Company RATEGENIUS/XXXX XXXX Address XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX I didn't give consent to have my credit pulled and after speaking with XXXX XXXX they agreed that this wasn't a practice that they approved of and opened a Complaint Case : XXXX Against them. I was told by XXXX  that I needed to call the RateGenius back and ask them to remove the inquiry, however they claim that XXXX XXXX allows them to pull people 's credit. Even if that's the case they refused to call XXXX  to remove the inquiry after I made it clear that I wasn't going to business with them.
I had some XX/XX/XXXX work done in XX/XX/XXXX and charged it to my Care Credit/Synchrony Bank charge card. The total of the bill was {$250.00}. When I received the bill, I immediately went online to enroll in their auto pay system to ensure my payments would be received on time and that my bill would be paid off at the end of their promotional period of their 6 month no interest/no payments plan. My payments were set up as follows : XX/XX/XXXX {$58.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} I just logged into my account online to make sure this bill is paid in full, as it should be, and I noticed that I have been receiving a late fee of {$38.00} every month and my balance is {$220.00}!!! I have made my payments EARLY every month and have never been late with this account, which I have had for years and never had an issue until now. I have never been notified that my payments were " late '' or that I have been charged a $ XXXX monthly late fee. I am requesting that Care Credit/Synchrony Bank review my account and correct my balance to {$0.00}. Furthermore, if any negative credit reporting has been done, I would also like them to correct this problem.
Rise claims that I inquired them. They are payday loans and that is against my religious values. I never inquired as they claimed. Perhaps once when I didn't know what they were but not more than once. They claim I do it all the time. This feels like a way to destroy my credit report so that I have to rely on them, which is very disheartening.
I received a credit card from Capital One back in XXXX XXXX, I needed this card due to a divorce due to being put in a Domestic XXXX situation I only had a small pension and needed money to get my divorce started and get away from him as he left me broke ... .then I ended up needing to take {$100.00} in cash from the credit card in early XXXX or late XXXX and after I did this my monthly payment went from about {$25.00} up to {$300.00} a month, I have called Capital One numerous times asking them to lower my credit card payment and they refuse to do it since I borrowed {$100.00} in cash from them, and each time I do call about it they will give me a {$75.00} credit, my XXXX XXXX statement came out and it said that I did not need to make a payment so now that my XXXX statement is out they are now saying I need to make a payment of {$410.00}, I have never once been late with my payments and I have never missed a payment so all of XXXX and now XXXX I have been paying a monthly payment of {$300.00} to {$410.00} a month all because I took out a cash payment of {$100.00} back in XXXX, Capital One is XXXX me ... ... I need help with this credit card company because of the high monthly payment I am making I am so broke that I need to keep using my credit card and I have paid well over {$7000.00} and I still owe {$10000.00} on this card!!!!
Transunion has been very irritating to work with. I spoke with XXXX XXXX back in XX/XX/XXXX to remove a negative account. They charged it off back in XX/XX/2016 for {$1900.00}. They decided to give me a second chance so they just cancelled it out. Spoke with XXXX and transunion after to let them know. I sent the letter from XXXX XXXX over to them both and neither have updated it. XXXX at least agreed to remove it where transunion just told me no. I also have 14 hard inquiries and should only have 4. 5 or 6 from the last week for a car. I have a car. Not sure why I have so many. The only ones I should have is for XXXX, XXXX XXXX, XXXX card, XXXX card and I believe a XXXX XXXX, one. Not even close to 14. My credit went from over 700 to less than 650 with these issues. Id appreciate if it can be fixed. Working on my credit to buy a home in a year or two so I've been careful not to do too much with my credit. I appreciate any help you guys can give me. Thank you.
I called Sallie Mae to try and get options for repaying my student loans. Currently, I am unable to pay them, as they are over half my monthly salary. I am trying to do the right thing, but they are not willing to work with me for repayment. I want my student loans completely erased.
We were struggling to keep our mortgage payments current and constantly trying to contact 21st mortgage to set up a different payment plan or just to work something out. They would say they were sending forms for us to complete but never received any. Would try calling but there XXXX number was a non working #. Kept sending emails and no response. Would attempt to make online payments however since it was late the online system locked me out. So was unable to make payments. Received a hand delivered letter stating we were going into foreclosure. That letter had another XXXX to call which I did. Spoke to a rude male and he stated the he would call me back with a total amount due. Never called. Kept calling and was told he would call me back. Today I spoke with another rep and she stated that they were instructed not to call me. This has been going on for months. They are now saying that I owe attorney fees because it hasnt been paid. How can I pay when they wont tell me what I owe? How can I pay when they wont take my payments? Why should I pay attorney fees? 
Bottom line is 21st mortgage is impossible to work with or even communicate with. As a business owner myself I couldnt imagine refusing to take a payment from someone.
1. I have been un-successfully trying to submit a dispute for all XXXX XXXX union auto loans as agreed to by XXXX in the attached e-mail. Also the history records, and the entries need to be taken out of " potentially negative '' results. There are XXXX separate accounts 2. I have been unsuccessfully trying to get removed the XXXX account, " recovery '' item also agreed to by XXXX to remove in the attached e-mail Thank you for your help XXXX XXXX DOB : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX e-mail : XXXXXXXXXXXX phone : XXXX
After having my credit pulled for a home loan, I was informed of an open collection from stellar recovery inc . 
I have NOT received any communications ( mail, email, phone, etc. ) from stellar recovery inc . This debt has not been validated or verified. I have not received any notice of a right to dispute before they reported to all XXXX major credit bureaus. There is not enough correct info to verify the debt or amount.