WillisBack/dataset-financial-user-claim huggingface dataset:
Back in XX/XX/XXXX I lost my job and started applying for a HAMP modification with Wells Fargo. After months and months of supplying them with documentation I was told that I was not approved for a modification. As of recently I had seen that people were complaining about their applications being denied when they should have been approved and decided to research my HAMP application again from XX/XX/XXXX. Wells Fargo again told me I was denied a modification and that XXXX XXXX had denied me. Since I was not getting any answers working with Wells Fargo I decided to follow up with XXXX XXXX to find out why my modification was denied. Much to my surprise I was told that my applicatoin was actually approved for a modification to 4.625 % XX/XX/XXXX for 40 years and my new payment would have been {$1100.00} a month. They cancelled this modification base on an email from Wells Fargo XX/XX/XXXX instructing them to cancel this. When I brought this to the attention of Wells Fargo they stated that they did not tell me abou the modification because I was making my payments and therefore I could afford my mortgage so I was not entitled to a modification. My belief is that this goes against all principles of HAMP. Was n't the program put in place to make the mortgage payments more affordable? Why did Wells Fargo have the authority so hide my approval for a modification from me when this would have helped me out financailly. I was forced to refinance on my own and it cost me a great deal of money which I would not have had to spend if Wells Fargo informed me I was actually approved by XXXX XXXX for a modification. Also, if XXXX XXXX owns my mortgage and is the enforcer for Hamp how does Wells Fargo have the right to just decide to override what they say and not communicate with me their findings. In speaking with XXXX XXXX 's escalation team the also sent a complaint to Wells Fargo but Wells Fargo only states that I was making payments so they did not offer me the modification. How many others has Wells Fargo possibly affected by not disclosing to the customers that they were acatually approved for a modification. Wells Fargo continued to hide this from me even when I asked for reviews of my file. If they felt like they were justified in not offering me the modifcation why did they never communicate to me that I was approved by XXXX XXXX? Why did I have to dig this information up on my own. I truly feel like they know they did something wrong by not following the guidance of XXXX XXXX and offering me the modification but they do not want to adm it it.
My XXXX XXXX XXXX account has not been corrected to reflect. Paid in full, never Late, Not part of a chapter XXXX or payment plan. Or wage earner plan. I have contacted XXXX XXXX   again and was given a XX/XX/2018 XXXX # XXXX. This error was suppose to be fixed and never was. Can someone do their job correctly and fix this mistake once and for all. their should not be any negative marks on this account Pretty please with sugar on top. Thanks XXXX XXXX
I have a HUGE private student loan debt from Navient formally known as XXXX in the amount of {$37000.00}. It was n't until I graduated from college that my parents and I realized that we had a private loan instead of a federal student loan. My parents and I felt we were manipulated into getting these private loans by not getting clear concise explanations before signing up for these loans. They started calling me constantly about loan payments when I graduated from college with my XXXX, stating that I had to start paying on my loans after six months. When I complained about not making enough money or having a job in my field of study to pay my loans every month they put me on " Interest Only Payments '' for five years in which I was paying {$150.00} every month only to find out that my loans were still going up! 
Now when they call me constantly about my missed payments and when I complain every single time I speak with them about not being able to afford it being that I am the main breadwinner in my household supporting my wife and myself ( with utility bills, rent, groceries and etc ), the only option they give me is a " forbearance payment '' of {$150.00} which is to stop the harassing calls to my parents ( who cosigned on the loan ) and myself and make my loans current, but by doing so will add it on the backend of my principle loans making my loan amount go up even higher! Thanks to Navient/XXXX hurting my credit score its tough for me to get a decent job in my field of XXXX because of some Employers doing credit checks. They 've also hurt the credit scores of my retired parents which is despicable in my opinion because they cant afford to pay on my loans either. Navient do not have any reliable resources or options to help people with private loans and helping them succeed in a financial future.
I had to file a bankruptcy back in XXXX because of a lose in my income. In XXXX I was contacted by Portfolio Recovery abut me owing them money. I sent them a certified letter in XXXX telling them I did not owe them a penny and to not contact me any way, shape or form in the future. Well, fast froward to XX/XX/XXXX and I was contacted twice by there office. I received a phone call earlier in The month and about a week ago I was sent a form saying that they decided not to try and collect this 10 year old debt. They listed on the form, XXXX, that this decision was made on XX/XX/XXXX, over a year ago.
There 's INFLATION & there 's DEPRECIATION! Systems like XXXX XXXX XXXX XXXX XXXX XXXX XXXX S DEPRECIATED in value! I 'm not paying more than {$170.00} for USED VALUE to get my account REINSTATED with XXXX! They can keep with NO EXPIRATION DATE XXXX Store Card ( XXXX 's Credit Card ) with them!
I have been fighting the accuracy of my XXXX student loans that have been out of default sine last year of XXXX XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a XXXX balance as i have also consolidated all of the XXXX loans into XXXX loan! I sent a email to the XXXX of XXXX and got a email back from XXXX of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XXXX! Now in XXXX i had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of XXXX past due as that event happened before i rehabbed my loans although XXXX the XXXX bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only XXXX of the XXXX loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next year XXXX! but these XXXX accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought XXXX of the XXXX loans.
On XX/XX/XXXX I called Lending USA my personal loan and spoke with a guy who was extremely rude and was having a hard time processing my payment correctly so I asked for a supervisor who I forgot his name to help me to make my monthly payment of {$110.00} like I always do without such a hard time as this day he was able to process the payment. 

On XX/XX/XXXX I check my bank and I see that they refunded the {$110.00} back to my account on XX/XX/XXXX so I called Lending USA to make yet another payment and spoke with a lady who was laughing about the money being refunded back into my account and the payment of {$110.00} was charged again. I unfourtunately do not remember names until the end where Ive been getting super frustrated about something that is not my fault because they are doing something incorrectly on their end. 

Four days ago I believe I received a call from Lending USA his name was XXXX telling me I was late on payment I advised him this is incorrect my payment was processed again on XX/XX/XXXX and I didnt get a refund back like before he tells me I have to email my bank statement as proof so I do and he said it will take two days to process. Everyday I keep calling for an update I have even spoke to supervisor XXXX and on XXXX XXXX tells me that yes the payment is there on the statement but that it pretty much got lost in their system to call XXXX and dispute the charge and then give a call back to process yet another {$110.00} payment as I did on XX/XX/XXXX. I call XXXX spoke with the claims supervisor they tell me theres nothing they can do that the charge cant be disputed because Lending USA already took the payment so while I have XXXX on the phone I call Lending USA which I spoke with a girl because XXXX wasnt available and XXXX tells them they cant dispute the charge since they took the payment and the girl just tells me they have to escalate this yet again she said it will take a couple of days when its been almost a week and they cant find my payment anywhere in their system and its clearly in my bank statement and cant be disputed. Im afraid I will lose this money and have to pay them twice the amount that I usually pay for a month for this loan it would be like theyre stealing {$110.00} from me just because they lost it somewhere in their system.
In attempt to obtain information about a collection on my credit report on XXXX XXXX, 2018, the collection agency was very rude and failed to provide me with any information on the account. All of their information in the system was incorrect and they failed to provide me with information on the original debtor. Augusta Collection Agency in XXXX, GA is the name of the agency. The supervisor made rude and obnoxious comments about not wanting to pay my bills.
I have been trying to use BBVA Compass mobile application and online web many times this month and I'm not able to login neither contact support to fix the login issue, every time exercise all of their options never worked, I have sent a letter of making reduce payments because I lost my job several months ago and now working at a reduced wage at another job ; since then their mobile banking won't take login information neither ways to successfully reset the login information it always says service temporarily unavailable for several months, same happens on the computer just says you have been " signoff '' and it don't give you access to any resource to " re-establish '' the login information. Several months ago visited a local branch here in XXXX ( XXXX one ) and their representative installed the app on my cell phone but did not want to use my regular email I use for all other accounts she wanted a special separate email for the BBVA Compass app, told me the account was not longer active and they were just taking payments. 
Obviously BBVA Compass does not want to work with me in any way, so I want your help to close this account permanently and just continue making payments to the account and I can't commit a fixed amount to this account since I have more important accounts to take care of, so don't want/like waste my time with BBVA Compass, just not worth the time spent with them. I want to continue making payments as I can.
Two years ago Wells Fargo provided me with mortgage assistance, but then took it away and now I am facing being kicked out of the home I have lived in since 1996. Money was tight when I retired and my mortgage payment was more than the income I had coming in at the time. I attempted to keep up with the mortgage payment and ended up spending all of my life 's savings to stay current on my mortgage. When there was no more money left, I contacted Wells Fargo and I got a lower payment of about {$500.00} per month that I was very happy with. However, when I received the paperwork from Wells Fargo, the payment had jumped up to over {$1000.00}. I was shocked, but tried to make it work. Although it was a struggle, I made the payments for three months, but then Wells Fargo told me that they had to redo the agreement. They then lost my paperwork and the whole issue became very messy. I made three payments to them, but Wells Fargo has dropped the ball and now I am facing a foreclosure sale on my property. I need Wells Fargo to get this straight so that I can spend the rest of my life in my home! XXXX has insured this loan, so I do n't think that Wells Fargo cares and will just sweep me under a giant rug and be done with me.
XXXX XXXX  has been increasingly delinquent with payments posting to my account ( see XXXX sheet attachment with check payments and date posted to account as well as screenshots of both payment and loan systems ). I would like XXXX to be prompt with payment posting to my account immediately once a check is cashed so that interest does not accrue. 

Payment Index Check Amount Payment Posted to XXXX XXXX XXXX   Payment ID XXXX Check Payment Sent XXXX Check Payment Cashed Difference Between Days Cashed and Posted 1 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 2 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 3 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -2 4 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 5 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 6 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 XXXX2 7 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -2 8 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 9 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 1 10 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 6 11 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 7 12 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 2 13 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 2 14 {$75.00} N/A XXXX XX/XX/2018 XX/XX/2018 N/A 15 {$75.00} N/A XXXX XX/XX/2018 N/A N/A 16 {$75.00} N/A XXXX XX/XX/2018 N/A N/A
The debt owed was from my brother who passed away XX/XX/2018 and I told ascension point that there was no estate. They told me the situation was closed and that a LETTER would be sent to me stating so but instead I received a bill today XX/XX/18 for my deceased brothers debt in my name. They can say what they want but this is a bill not just a letter like they said on the phone. Now I have to go hire a lawyer to make sure that they did not put it on my credit report like the reviews have said they done to other people. What they sent is clearly not just a letter like they said but a bill with my name listed. I have already made contact with XXXX law firm who is also handling other lawsuits against ascension point recovery.
I previously notified Barclay Bank that I am a victim of identity theft, and requested them to do the following : Close the unauthorized account Remove all the unauthorized charges from my already opened accounts? Remove any charges on the unauthorized accounts, and Take steps to remove information about these account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and my already opened accounts were used without my authorization. I did not open or authorize this account and charges, and I request that it be closed immediately and all unauthorized charges be removed. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my Police Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. Sincerely, Enclosures : Identity Theft Police Report
To Whom It May Concern, On XX/XX/XXXX, I filed a request/dispute with XXXX, and Experian via Certified Mail in reference to Public record information on my report. Specifically a chapter XXXX bankruptcy case number XXXX. The Agencies - XXXX, and Experian then alleged to have obtained from a local, state and federal court through a 3rd party vendor XXXX. Included are two letters, one from United States Bankruptcy Court, XXXX District of Illinois stating that The bankruptcy court does NOT perform any activities with the credit bureaus, and another letter from XXXX stating that XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act and subsequently removed this record from my XXXX Risk view report. If XXXX has already removed the bankruptcy ( case number XXXX  ) from their records, I feel XXXX is reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The only clear thing is that the XXXX is in direct violation of my rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a  consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. I humbly ask for assistance in having this information deleted from my Credit file at  XXXX, and Experian
Money was going to be transferred from XXXX to bank account. Said completed but no money found in bank.
I have disputed and submitted documents ( Bank statements ) that prove the debt was paid and should never gone to collections.
I quit my health club, XXXX, in XXXX, CA around XX/XX/XXXX after a phone call from their accountant telling me I had not renewed on time. They were very unpleasant about it and I had to hang up to end the call. The woman claimed I owed them since XXXX XXXX. I had last paid for a {$100.00} extra XXXX XXXX class in XXXX XXXX that I had not use due to injury. Nobody had ever told me I was due for another payment. I thought I was about up for renewal and was going to negotiate with them about the unused XXXX classes. 

No bill was ever submitted to me for any amount. 

I began receiving calls from Seas & Associates shortly after. I explained and the way they talked it seemed they were aware there had never been a bill submitted. The rep acted like she was trying to trap me into saying I owed something. I hung up. 

Seas & Associates has robocalled me since several times a week. I blocked them, but get the robo-call voice mails. I now received a letter with a bill for {$390.00}. The letter says that failure to respond within 30 days of their date, XXXX XXXX, XXXX, will mean that I acknowledge the bill to be legitimate. 

There never was a bill presented to me by XXXX. There is no debt.
I am a co-owner of my daughters car. started to pay {$100.00} every month and I could n't for two months I tried to tell him that I am working again and I will pay {$100.00} every two weeks until I get caught up. He tells me that he did n't feel like doing a paper check every two weeks and if I did n't pay the full amount that he would garnish my check. I got mad and told him that I was not going to XXXX take my money and I hung up. I am trying to pay and he wants all the last three months on the XXXX when I want to pay a {$100.00} every two weeks.
The offense occurred in the XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Washington, DC. 
On XX/XX/XXXX, My fiance and I were attempting to purchase re-sale tickets for admittance to Capital One Arena to watch the XXXX playoff game with the XXXX XXXX vs. the XXXX XXXX on the same date at XXXX hours. 
At approximately XXXX hours, she discovered an advertisement, posting ID # XXXX, on the XXXX website for tickets to the Saturday game located in Section XXXX, XXXX XXXX of the arena. Using the XXXX contact information ( telephone number XXXX ) for XXXX, listed as the seller, my fiance engaged in a text exchange whereby, at approximately XXXX hours, the seller agreed to sell the tickets to us for {$140.00} each, totaling {$280.00}. The seller, requested that the funds be sent via the electronic fund transfer application XXXX, which is now common to most large banking institutions. Seller stated, via text, that upon receipt from us of evidence of the transfer of funds via the XXXX app, seller would transfer the tickets via XXXX. Seller requested that the funds be sent to the email account XXXX via XXXX. 

At approximately XXXX hours, I transferred {$280.00} of US Currency from my Capital One account via XXXX to sellers account, XXXX Payment ID # XXXX. The caption on the payment read XXXX XXXX XXXX Sat XX/XX/XXXX XXXX vs. XXXX. At XXXX hours, seller responded via text to us stating that he needed a moment while transaction processing. After that point, seller did not respond to any text messages from us. Both attempted to call the contact number provided, but were unable to reach seller. At approximately XXXX hours, I emailed seller, but received no response. 
Seller did not deliver the tickets to either of us, as was agreed. 

I contacted Capital One to report the fraudulent activity at XXXX hours. I attempted to stop the transfer, as it was listed as " pending ''. However, Capital One said that was not possible. Capital One reports that the funds were sent to XXXX XXXX account associated with XXXX XXXX. I received claim # XXXX. 

I reported the fraud to the XXXX Police Department, CCN # XXXX. 

I received a letter from Capital One, dated XX/XX/XXXX, which stated that there were no errors in the transaction, and thus my claim was denied. 

On XX/XX/XXXX, I contacted Capital One to question their response, as I had supplemental documentation and a police report, but was never contacted by the bank. The representatives said that was irrelevant, and that the transfer could not be contested because XXXX XXXX   reported that it went to the account to which it was sent. I questioned how the bank could promote the use of XXXX- going so far as to incorporate the service in the bank 's smartphone application- as a safe way to transfer money when they did not stand behind the transactions, even in clear cases of fraud. They basically said it was tough luck.