WillisBack/dataset-financial-user-claim huggingface dataset:
We have been trying to modify our loan with Wells Fargo for about 3 years. The reason we wanted to modify was because in 2012 I injured myself at work. Due to the injury I lost my employment. Wells Fargo made it almost impossible for us to qualify for a Modification it got so bad that we ( my sister and XXXX ) went to a Law firm. This Law Firm ( Law offices of XXXX XXXX ) essentially just took our money and essentially prolonged the inevitable. We still lost our home to foreclosure. Prior to hiring this phony law firm we almost got scammed to short selling our home through this company called ( California free Legal ). They impersonated my sister on the phone and started the paperwork though Wells Fargo to short sale my home. I found out about this because somehow my other sister was looking at houses and saw our home for sale. We lost a lot of money trying to save our home. What bothers me and seems suspicious is that we had submitted all the paperwork they asked for. We got in touch with the XXXX they helped us communicate with the bank, and helped with filing out all the requested documents. The sale date for my home was for XXXX XXXX. We faxed all documents form the XXXX XXXX office on Friday XXXX, XXXX the people from Wells Fargo said it took 48 hours to complete the review. Tuesday came and they still had n't finished reviewing it. I believe that they were stalling so that the sale of my home could take place.
I had a loan with XXXX XXXX auto financing for a vehicle I purchased. I was involved in an auto accident that totalled my vehicle and left a little over {$700.00} on the loan after insurance payments. I had gap insurance to cover that amount, but they report it as a charge off.
Wells Fargo Dealer Services repossessed my vehicle so that they can resell it to make more profit. On XX/XX/XXXX, I sent Wells Fargo Dealer Services a fax explaining my circumstances for been late on my payments. I also made a post dated payment on that fax for {$1100.00} for XX/XX/XXXX. I called and spoke to the manager handling the account on several occasions to confirm my payment arrangements, yet Wells Fargo Dealer Services decided to repossessed my only vehicle that takes me to work and move my family around on XX/XX/XXXX. Wells Fargo Dealer Services insisted that I pay almost {$8000.00} to receive my vehicle that I only have less than {$5000.00} to pay-off XX/XX/XXXX. I have paid almost 97 % of the loan on my vehicle, and should be paying-off my vehicle in XX/XX/XXXX. 
Even though, I am always late on my payments, yet I paid my outstanding balance and late charges. 
Please assist to have Wells Fargo Dealer Services return my vehicle, I will pay {$2000.00} towards my outstanding balance, and will not be late on my remaining payments of the loan.
Received XX/XX/XXXX a written communication from PayPal Credit dtd XX/XX/XXXX about which we were totally confused. 
Never applied therefor or wanted. supposedly for a XXXX account charge. 

Placed call to ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX P.M. 
Customer service indicated they had no knowledge of any such PayPalCredit connection. We received no evidence this account was assigned by XXXX to PAY PAL CREDIT. ( Nor of any XXXX times three charge made on PayPal credit card ). They indicated no knowledge of the Pay Pal missive/circumstance. 

XX/XX/XXXX XXXX XXXX. Talked to a one who identified as XXXX. 
Demanded the account be closed. 

3. XX/XX/XXXX calling ( XXXX ) XXXX at or about XXXX XXXX 

Called PayPal Credit : One who so identified herself as XXXX Customer service representative at Pay Pal Credit, After explaining ourselves, and she said she would switch us over to a Specialist. the switch over resulted in a recorded call-announcing closed : " now closed Monday through Friday..call back during the hours ... '' I talked to XXXX XX/XX/XXXX she said she could n't remove the charge of {$12.00}. 
No date of purchase.on the letter, nor what the charge was for. PalPal Credit indicated it was one of three transactions. 

XXXX said she would move me over to a credit specialist Hung up. disconnected Let it be known we OPT OUT ( and should n't have to. We did n't order the card. Just reciting the terms and conditions of the card. TO WHICH WE DO NOT ACCEPT ) of any arbitration. 
Curiously, the company wants folks to download a dispute form, and send to additional places ( costing even more certified postage ).
This debt collector is trying to collect a debt that was paid. They never contacted me to verify anything. They are reporting false information concerning me.
On several occasions Wells Fargo has fraudulently, lied to me and told me that I can not link my rewards cash back to my principal mortgage, which in turn has prevented me from earning cash back that would go towards my mortgage principal. Also, Wells Fargo has failed to attach my Visa credit card account to my online banking account so that I can not see what my bill is or make timely payments and have been charging me monthly {$27.00} or {$29.00} a month in late fees when they're not sending me a statement. I have an excellent credit score I pay my bills on time my mortgage has never been late with Wells Fargo Wells Fargo is extremely fraudulent and how they handle their customers. Please check into my mortgage Hamp modification where I was granted XXXX in equity and I believe my payments is not going towards my mortgage and my Principle as i was told it would be going towards.
I had fraudulent charges and my credit ran in my name and I called every single one of the places I 'm about to name about the the inquiries I have from these places and they took my number down telling me they would get back to me and I have n't heard from anyone. I have unauthorized inquires from the following : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX
I sold my house, the mortgage was paid on XXXX XXXX, 2015, the mortgage company, Wells Fargo Home Mortgage, is holding my escrow refund for two weeks and also insists that they ca n't deposit the funds to the account from which they withdraw them but must mail them. Although I have rented a mailbox from the XXXX, I will be leaving the area and will not be here when the check arrives, It is impossible to rent a mailbox at my intended destination - you ca n't get XXXX unless you show up in person. It looks like I will have to wait until I get to my eventual destination and pay to have my mail forwarded, perhaps the check will show up, perhaps not. 
I think WFHM is doing this to extend the time that they have the money, doing so at my expense.
I PAID A DEBT I WAS UNAWARE OF TO XXXX XXXX XXXX XXXX FOR XXXX AND THEY REFUSED TO PROVIDE ME WITH A RECEIPT TO FORWARD TO MY SUPERIORS AND REPORTED THIS ON MY CREDIT BEFORE I HAD KOWLEDGE OF IT. THEY SENT RECEIPT TO WRONG EMAIL AND SAID THEY HAVE NO WAY OF GENERATING A NEW ONE. I SPOKE TO SEVERAL PEOPLE AT THIS COMPANY AND THIS IS AFFECTING MY SECURITY CLEARANCE
This complaint is in relation to my previous complaint against the same company. My previous complaint # is  XXXX .  One Main Financial was supposed to mail me my original loan documents to prove that I signed an agreement stating that only one of the two borrower 's signatures are required to complete loan modifications. I have yet to receive those documents nearly 60 days later.
On Fri XXXX XX/XX/2018, I was sent a overnight XXXX package from XXXX XXXX, an employee of JP Morgan Chase Bank NA, thanking me for my home mortgage lending activities. From Jp Morgan XXXX XXXX XXXX. XXXX XXXX, NJ XXXX, contact XXXX. After I received it I called XXXX and various employees of Chase Mortgage and have yet to come up with an answer as to why I received a HMDA Public XXXX when I do not own or applied for mortgage. My first name on label was spelled wrong, but the cell phone number on the label was in fact my cell phone number at the time. 
The address was to XXXX XXXX XXXX XXXX, but real address is XXXX XXXX XXXX XXXX XXXX CA XXXX. 
My name is XXXX XXXX and I have been a victim of Identity Theft. I rent at the address, but people that own it were going through a mortgage. 
I need to know why I was sent this HMDA. 
Contact me XXXX
My wife and I were travelling in XXXX, XXXX for our honeymoon. On XXXX XXXX, 2017 we went to the island of XXXX and rented a jeep from a small vendor that approached us off the ferry. 

The jeep rental was around {$70.00}. The jeep was a piece of XXXX. We had it for no more then 6 hours that day as Tropical Storm XXXX was coming in and we had to head back early on the ferry. 

Upon returning from our honeymoon and a couple weeks later, I noticed a charge for {$1400.00} on XX/XX/XXXX. I never charged that much so immediately called Chase Bank to report it as Fraud. They deleted the charge. 

They later said since I was in possession of the card, I approved the purchase, and it 's not Fraud. 

They then sent me to dispute the claim. The dispute people did nothing to help me dispute the claim. 

I remember the vendor saying {$1400.00} is pesos, not US dollars. I was frauded out of more then {$1300.00} dollars while in XXXX. I do n't speak XXXX. I trusted my card would be protected. That someone with a XXXX machine would be a reputable vendor. 

Chase has done nothing to help me fight this and has put the burden of proof back to me. They are too lazy to protect my rights under Regulation E. 

Please fight for my rights and help me get my money back through Chase.
I had a mortgage with Ocwen and filed a chapter XXXX bankruptcy in 2012 and it was discharged. However, Ocwen is still reporting the account negatively after the bankruptcy and it is affecting my credit negatively which is against the bankruptcy laws.
I return a call to XXXX XXXX XXXX XXXX XXXX 's located in XXXX, NY. I get calls at all hours and lots of them saying they are going to sue me, if I do n't pay they are going after my husband too. I get XXXX different numbers to call, called back a XXXX XXXX for her to be nasty and hang up when I asked to talk to her supervisor, that if I do n't pay they will seek legal action resulting in me paying the bill+court cost+lawyer fees. I never ever open this account and I tried to tell her that but she would n't hear me out. I look up the numbers and a XXXX XXXX shows up at the address and location she gave me. Number look up basically gave me the same things. I do n't know what to do at this point I am a laid off stay at home mom of XXXX young kids, my husband works XXXX jobs to keep us a float, I was just in a accident and was injured I have no time to go back and forth with these people. Help.
We have been working with our mortgage lender, Select Portfolio Servicing Inc. XXXX SPS XXXX, to get a loan modification since XXXX of 2014, unfortunately we have been denied twice. Since I was laid off of work in XXXX of last year, we applied to Keep your Home California ( KYHC ), only to find out that we did not qualify because they stated that SPS told them that we were approved for their Unemployment Assistant Program. I called SPS and they assure us that we where approved for the unemployment program, and to wait for " the letter '', this was back in XXXX of this year. Since then I have called every week and spoken to multiple representatives who have contradicted themselves over this issue. We lost assistance from KYHC because SPS claimed we were approved, then we were told that we were not approved that it was still pending, one of the supervisors said that in the computer notes it showed that we were told that we were approved without confirmation by the loan resolution department, when I asked to talk to that department, they said that they do not talk to clients directly. Last time I called a supervisor told me that he would escalate our case and we should have a definite answer by this Friday, that someone from the resolution department would contact us. I am soooo upset because we lost 2 months of assistance from either of the programs.
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
I have a credit card with Home Depot. Home Depot cards are issued by/through Citibank. I have a Citibank HD credit card. For quite some time, my credit limit was {$1000.00}. I have never gone over the limit, and I have never paid late. Recently, I have been trying to pay my credit cards off/down to increase my XXXX score. On or about XXXX XXXX, I paid the {$800.00} balance on my home depot card down to {$500.00}, which would be 50 % of the {$1000.00} limit. Immediately after crediting the payment, without notice or justification, Citibank lowered my credit limit from {$1000.00} to {$700.00}. This action immediately changed my credit utilization from 50 % to over 80 %. It is a well known verifiable fact that credit balances over 50 % have an negative impact on credit scores. CITIBANK CLAIMS THAT A RECENT REVIEW SHOWS CERTAIN ITEMS -- those items have been on my credit report for several years, even prior to when I opened my Citibank/HD card. Citibank knew of these credit items before even opening my account. Citibank gives a fake reason, claiming credit issues that it already knew about, that already existed when they opened the account and now claims that suddenly, now they matter. Citibank, and other credit cards, intentionally lower credit limits for the express malicious purpose of keeping lower income/credit persons from improving/increasing their credit score. Even if this is not the express purpose, it has the same impact. Credit companies should be expressly prohibited from lowering a credit limit that has never been late and never gone over the credit limit unless certain stringent standards are applied. Otherwise, credit companies can continue to maliciously manipulate credit scrores, thereby continuing to limit credit opportunities to high cost, low credit cards. The federal policy has been to LOOSEN credit available to consumers. Allowing credit companies to maliciously lower credit limits after a payoff allows credit companies to malicously manipulate credit scores. Why is this even legal?
I filed a claim with Chase bank on XX/XX/2018 because I made a purchase to a company called XXXX XXXX on XX/XX/2018. Since the company did not deliver all of my product, I filed a claim with my bank informing them that I have not received my product. On XX/XX/2018, Chase reversed the claim stating that they received information from the merchant stating that the provided the product, however I provided proof that the merchant agreed to refund the money, and they still will not refund my money. Chase claims team is incompetent.
XXXX XXXX refuses to remove account off credit report even after I've sent police report and identity theft affidavit and other documents including a letter. I explained to them that the account is mine but I'm not responsible for the charges that resulted in a charge off. They were unauthorized charges. They responded telling me they found no fraud and they won't remove it. I called to find out why it is they feel it wasn't fraud when I know it is and the investigator never called me back. This account must be removed. 
XXXX XXXXXXXX # XXXX account Yes I did pay it in full. I paid it only to get an immediate boost in my score. Then I began working on its removal. Keep the money just remove it please. It's interfering with me being able to get a car. The charges that resulted in the charge off were not authorized.
My problem is with Citibank credit cards ; in particular, it is about paying a Citibank credit card with a XXXX XXXX checking account. To clarify, I have XXXX Citibank credit cards that I tried to pay : a Citi Forward card and a Citi Double Cash card. In XX/XX/XXXX, I changed the bank account that I use to pay for my Citibank credit card. The bank I had previously used was a Citibank account, but I switched to a new, XXXX checking account. I verified this new bank through Citibank 's online verification process, and I was able to pay other, non-Citibank cards with this XXXX checking account. However, when I paid my XX/XX/XXXX Citibank credit card bills, my payment was rejected, and I was charged a " return check fee '' by Citibank. This meant that my payment was late and a late payment was most likely reported to credit bureaus, even though this checking account had been used to pay off other non-Citibank credit cards. When I called Citibank, they told me that they had tried to access my XXXX checking account, but that XXXX had told Citibank that my checking account was frozen. However, when I called XXXX, they had no record of Citibank ever even trying to access my checking account, and they confirmed that my account had never been frozen before. As such, I called Citibank back and asked them to send me proof that they had tried to access my XXXX checking account and gotten a " frozen '' response back from XXXX. It took them weeks to get me the letter of proof, and when it arrived, it did n't have any information about a XXXX checking account or anything I could show to my XXXX Bank to get to the root of the problem. At this point, I do n't know where to turn, because it seems like Citibank had an error on their part that made them unable to contact my bank, and they 're blaming me for that error.
Good Afternoon, My name is   XXXX   XXXX   I have been working on my credit for the pass few months. I notice a new change on my credit report from Credit Management, LP   XXXX   XXXX   XXXX    XXXX , TX  XXXX . I have never received a letters from them indicating where and how I owe them or when did I start services with them. I have disputed this with the Complaint ID # :  XXXX  Business Name : Credit Management, LP on   XXXX   XXXX   as well. I had a Fraud Alert on my credit since 2008 I want this company to resolve this matter as soon as possible if they provide proof that I owe them with a valid contract this is effecting my credit report.
Thanks
I have contacted and sent Fraud Affidavits to CNAC. Also, I have disputed this account with all XXXX Credit Agencies who stated that CNAC verified that this account belong to me. I find that hard to believe since I was never able to get a response back from CNAC. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting in results.
The usury laws of my state Massachu setts ( Part IV/Title I/Chapter 271/Section 49 ) states that " whoever in exchange for either a loan of money or other property knowingly contracts for, charges, takes or receives, directly or indirectly, interest and expenses the aggregate of which exceeds an amount greater than twenty per centimeter per annum upon the sum loaned or the equivalent rate for a longer or shorter period, shall be guilty of criminal usury and shall be punished ... by such fine and imprisonment. '' The company is charging me more than 2 0 % interest. I even contacted the Attorney General regarding this issue right after I made the purchase.
I filed a complaint with CF PB (   XXXX   ) that SunTrust reported my car loan payment -- for a car that was totaled and to be payed in full by insurers -- was 30-days late. The loan was paid in full by the insurers but late due to SunTrust 's negligence in responding to the insurer s ' requests for payment methods. Both  XXXX   XXXX  and  XXXX  attempted to conta ct SunTrust on  my behalf numerous times however SunTrust did not return many of those calls. Even so, it was NOT 30-DAYS LATE. My credit report lists a 30-day delinquency for the amount of {$0.00}.     SunTrust 's final response to my complaint did not even address my complaint. SunTrust made no reasonable investigation or explanation into the erroneous and damaging 30 day delinquent reporting of  XXXX  dollars due that SunTrust made to credit bureaus on  XX/XX/2017   .     More alarmingly, SunTrust 's inclusion in their final response information regarding my unrelated loan with SunTrust only demonstrates SunTrusts accounting and reporting systems lack of accuracy and reliability. Their letter is dated  XX/XX/17    and states that as of that date the unrelated account was delinquent. This account had been re-written at the time that was done on  XX/XX/2017   , and a SunTrust representative set up the electronic check payment for {$480.00}. On  XX/XX/2017   , the payment cleared my bank. SunTrust 's assertion that on  XX/XX/17   , the date SunTrust issued their final response, that SunTrust had not received payment for that account is provably in error.     Given the fact that SunTrust 's system provided their representatives with incorrect information for my account, it seems obvious that SunTrust 's system can not be relied upon for correctly reporting delinquencies to credit agencies in general, or specifically for information regarding any of my accounts, nor most specifically for the actual account against which my complaint was made.     I hereby re-open my complaint.
The original bill was from my son when he was in college in Missouri. I paid it AFTER I was aware of it and a few months later they sent ME ANOTHER BILL which I disputed. THAT was paid AND CLEARED my account XX/XX/XXXX, for XXXX, check XXXX to XXXX XXXX XXXX XXXX XXXX!! Anytime I tried to question the bill I was ALWAYS told they COULD NOT GIVE ME ANY INFORMATION, yet they continued to harass me with bills. NOW I am receiving bills from Credit Bureau Systems Inc out of XXXX, KY ( XX/XX/XXXX ) and when I called XX/XX/XXXX, I was told they couldnt give me any information just like I was told by XXXX XXXX XXXX XXXX XXXX
I received an alert from all three credit reporting agency about late payments from XXXX till XXXX. I have sent in my payments on this account. Someone is not updating accounts to reflect the correct amount due on CPS that has the same amount supplied to the three credit reporting agency.