WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a loan modification aproximately a year and a half ago. Citibank continually denies the loan modification. The reason Citi mortgage denies my loan modification, is because my income is unverified according to Citibank. My concern is that continually resubmit my application and I receive a vague answer from the company. I do not feel that Citibank is being cooperative with allowing to fix the problem. If there is a problem with the part of financial aspect of the application, I need them to be direct about problem. I continually go over the paper work and resubmit it. I have attempted to contact them and trouble shoot. I hired an attorney to speak on my behalf. XXXX XXXX has tried to get clarification. In addition, he feels like Citibank is being very vague with him. Also, I am working with XXXX. XXXX contacted Citibank to find where the errors are being made. They have not heard back from Citibank. The last response from Citibank is that the underwriter is on vacation. I do not feel that Citibank is being helpful. I am not trying to be fraudulent with Citibank in any way. My only going is to ave my largest investment. I have desire to file bankruptcy. If I do not qualify for the program based on the numbers, Citibank should be direct with me. Truly that is all I want. If I have to file bankruptcy as a last option, that is what I will do. Please assist me with getting a direct response from Citibank. Thank you
I sent in a request for a modification back in XXXX 2015. We made it very clear to Wells Fargo we were in the early process of divorce. We were told that the modification could not proceed without a divorce decree. XX/XX/XXXX we were told the file had been closed and it would be sent to the re entry team. Today XXXX XXXX first the company i have asked for assistance was told that there was no authorization for wells fargo to speak to them, after XXXX minutes of being on the hold then the point of contact came back on the line and stated oh i found it, it was not were it should have been. They were then told the file is not ACTIVE. There is a sheriff sale date on my property and I am trying my best to keep my home, however I am being met with all types of obstacles by my lender Wells Fargo!
Less than XXXX hours ago on XXXX XXXX, XXXX I responded to the news of Equifax security breach. I only learned about this on this day and responded by checking my information on their site. They indicated I was most likely affected. Even though I have a monitoring service through XXXX, I checked the box on Equifax. I saw no language or conditions about waiving my rights to sue or for extended paid services from Equifax. i tried calling them all day w/o success and they seemingly disable the contact us feature on the site. I feel this is an unlawful and unethical approach to this matter and I do not wish to have this service and do not give up my constitutional rights to anything. I also feel I am protected under California law in this regard. I simply wish to disengage in what they are trying to pull and agree to nothing from them. This is highly underhanded and unethical on their part. Equifax has made it impossible for consumers to reach them and all you get is a runaround.
Multiple times I have contacted all 3 credit bureaus XXXX, XXXX, XXXX about the false collections showing on my credit for XXXX XXXX through a collection company called Ad Astra Recovery Service for XXXX. This collection is not mine and is from identity theft, the collection agency has been contacted and can't provide proof that this account is legally mine.
Months ago I disputed the following accounts in Hope 's that the credit agencies would of did the right thing by deleting them. However this will be my 2nd attempt to obtain the Method Of Verification for the following accounts if not please block the accounts from my credit report as stated within the laws of the FCRA. The 2 accounts are ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX XXXX XXXX
XXXX XXXX is with RAB, Inc. Collection Agency representing DWR construction comp. He first contacted me on XXXX/XXXX/2016 and indicated they would auction the contents of my home and/or garnish wages to collect the award judgement. Despite having my contact information, he e-mailed and telephoned numerous individuals at work indicated he was " trying to reach me '' regarding a dept collection. He 's also made several threatening calls to my parents ( in their late XXXX ). XXXX XXXX continues to call my office telephone number despite being told not to contact me at work. He knows I 'm consulting with an attorney.
This company NCA is trying to collect {$110.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from NCA with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay NCA. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and NCA. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
MY daughter obtained a student loan and needed her parents income. Which I supplied her with. When Navient took over the student loans. They sent me the bill and also my duaghter. When I had informed them of the mistake they told me that it was a parent plus loan and I was responsible for the loan. I have asked several time for the original paper work in which they deny sending. 
My daughter has been making payments on the loan but my loan just keeps increasing wwith Navient claiming there has not been any payments what so ever. This has hurt my credit dramaticaly. and I want it removed. If there is any way you can help it would be greatly appreciated, Thank you, XXXX XXXX
XXXX and Trans Union are not reporting my VA Home Loan and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.
Wells Fargo & Company continues to send me letters despite the fact that I have told them to stop contacting me on over 5 separate occasions. Wells Fargo & Company continues to harass me with letters, phone calls, and aggressive collection tactics. In fact, Wells Fargo & Company also submitted false information to my credit reports, including but not limited to, submitting false address information of myself, as a retaliation method so that it would be difficult if not impossible for me to open an account at another financial institutions because my true address would not pass XXXX/XXXX  checks the other financial institution would conduct by comparing the address I provided with the false address Wells Fargo & Company submitted to my credit report.
XX/XX/XXXX, XXXX XXXX XXXX received {$25000.00} on my behalf from Hardest Hit Fund mortgage Reinstatement program. At the time I owed {$42000.00} XXXX XXXX XXXX had previously denied my modification applications on my loan due to a outstanding issue which was an appraisal submitted to XXXX in XX/XX/XXXX from XXXX XXXX XXXX. ( an XXXX company owned by me in the past ) I submitted an explanation or rebuttal explaining that I did not submit a report to XXXX and I had experienced a situation with theft of signatures that had been reported to the XXXX .They denied my explanation and refused my RMA. At that time I applied to the hardest hit fund, and as I said was approved for {$25000.00} reinstatement loan, which XX/XX/XXXX XXXX XXXX excepted. At that point I still has a past due balance. I called XXXX and was told to make my monthly mortgage payments of {$680.00} I paid XX/XX/XXXX, XX/XX/XXXX and when I went to pay XX/XX/XXXX the would not accept my payment and said I was back in foreclosure. They did not send me and intent to foreclose. In XX/XX/XXXX they did send a Modification package, but since they did not accept modifications from me I submitted a package through consumer debt councilors. XXXX XXXX did personally speak to the bank who was aware that I was looking to modify my loan to help pay the past due amount.My XX/XX/XXXX statement said my payment was late and I had a past due balance of XXXX On XX/XX/XXXX I received a notice that they were transferring the service on my loan to Carrington Mtg services, LLC as of XX/XX/XXXX. On XX/XX/XXXX I received a statement that XXXX was the total amount due and stated my loan was in foreclosure.I feel that they wrongly excepted the reinstatement from the government without providing me an agreement to pay past due amount, and feel they did not follow the correct procedure to return my loan so quickly to foreclosure. I am now having an issue with Carrington Mortgage they have a fraud item flag on my account due to a pay stub submitted in XX/XX/XXXX on my behalf that had the same year to date as the prior stub.This was received from a third party at my former place of employment and my only explanation could be they had ripped up my documents and than tried to put them back together. I have no proof, no longer work there and the company has had a completed employee turn over so no proof exists and they will not accept a modification package or repayment plan from me. I did hire an attorney from XXXX, XXXX XXXX, reputable Real Estate attorneys near me, but as luck would have it my attorney XXXX XXXX has quit his law practice in search of another career and I am stuck on my own. Please help me to find out if my rights have been ignored by XXXX and if I have any recourse. I just want to keep my home and pay my past due and current mortgage My loan is owned by XXXX XXXX   XXXX XXXX XXXX as Trustee for the holders of XXXX XXXX XXXX.
This is for a medical bill that was disputed, At the time i had insurance and paid the co payment there is no need for this bill I had   XXXX   insurance at the time, it has been removed from my from my credit bill twice, .please ask the company to charge   XXXX    who is responsible for the bill not me. the amount owed is  XXXX
I am a victim of identity theft and recognized these hard inquries I did not approve or recognized. 

XXXX Inquiry from XX/XX/2018 Inquiry from XX/XX/2018 Institution Information XXXX XXXX, FL XXXX ( XXXX ) XXXX
I was a victim of fraud due to information being received from a scammer utilizing XXXX. I have contacted ace cash express and have spoken to the correct company that has my loan. Unfortunately, I have attempted to gain contact to these individuals and filed a complaint with XXXX XXXX.
The summary is that Heartland ECSI charged a late fee for a payment I missed. However, when I made the payment they did not apply anything to the late fee and instead let it accrue for several months. After the missed payment I established a monthly withdraw from my bank account to ensure a payment was not missed. So for months my bank account was being charged. But the company never applied any of my payments to the late fee. Nor attempted to notify me that a late fee still applied. 

The late fee was first charge in XXXX in the amount of XXXX and continued into XXXX when I logged in to check this account, under the assumption that it was current, and saw that the amount due ( usually XXXX ) was now XXXX. This is when I saw that none of my payments ever applied to the late fee. However when I applied the first manual payment in XXXX to pay this account I saw that XXXX was due after I made the payment. 

I attempted to deal with the customer service but they insisted that it was my fault for not making a separate payment just for the late fees and that recurring payments would never be applied to a late fee. I was then told that the manual payment that showed XXXX due, only applied to the recurring amount due and that I should have known the late fee would require a separate payment. 

The attachment below shows 3 consecutive billing statements that show a late fee, and show that a payment was received each prior month, but the late fee continues to accrue. 

Finally when setting up recurring payments, the website intentionally does not show the monthly payment amount on the same screen it asks the user to input a monthly amount to be charged from their bank. there is no selection available that allows the user to pay the minimum amount due or show any other previous payments for reference. This means that the user must either guess, or navigate away from this screen to find out. This is clearly an intentional attempt to get users to underpay without knowing it and be charged a late fee.
I was charged interest i had questions about. I called customer service to inquire about what the interest was for. The lady on the phone tried to explain to me what the interest was for, and that it was in my credit card agreement. I asked her to tell me where in my agreement this was explained, and she said she didnt know. I then asked her to send me the agreement, and tell me where I should look for this information, and she simply hung up the phone on me. This is really poor customer service.
I had recently gottten my credit run and pulled by XXXX XXXXk and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what XXXX  XXXX XXXX  & BECU BANK had REPORTED to XXXX and to the credit companys. 

As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with XXXX XXXX XXXX or BECU I have been with XXXX XXXX since XX/XX/2004 and my home mortgage is also through them and I continued to stay with them. 

I had contacted XXXX  XXXX XXXX Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at XXXX XXXX in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. 

I also went into BECU and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. 

I am XXXX XXXX XXXX Employee ( XXXX ) for XXXX as a XXXX  XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need XXXX  XXXX XXXX and also BECU to please remove me off their XXXX and also notify XXXX that this is an error on their end.
From the beginning of my mortgage I have been paying my escrow directly, taxes and home owners insurance I have everything paid up today. Capital one sent me a letter about boring insurance for me ( very expensive ) I sent them a letter with proof of insurance bay fax and by mail. I thought the mistake was fixed, however when I try to make my mortgage payment in XX/XX/XXXX, I see that they have not fixed the problem and instead of charging me {$700.00} they charge me {$1200.00} ( includes escrow )
It has bee over 60 days and no response from the Equifax. Please have to correct or remove this information ASAP! As I can not get credit do to this errors. 


XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX, XXXX Equifax XXXX XXXX Imply an investigation on the creditor, payment status, high credit, and the 24 month payment history. 
XXXX XXXX XXXX XXXX I am puzzled on this accounts information such as the payment status, comments, high balance, and terms. 
Possibly verify the data and repair or remove it from my credit file immediately Incorrect Name XXXX XXXX Can you make sure my name is presented completely. 
Update. XXXX XXXX XXXX A verification is needed on the status, comments, and the payment history. 
There could be mix up data and so repair what is needed or delete off my credit report XXXX XXXX HM MORTGAG XXXX If you could please compare your documents as i feel the account number, balance, pay status and high credit could be mistakenly reporting. If not accurate please withdraw from my report I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixing this kind of stuff. 
XXXX XXXX XXXX DOB : XXXX/XXXX/XXXX SSN : XXXX
I was placed into Collections for an ER visit on XX/XX/2016. I  did not visit any Emergency room on that date. The company that bought the debt did it for their gain maliciously. For the record I have a primary insurance and a secondary insurance and I never have any co-pays so there will not be any reason why I will have a medical bill that is outstanding this debt is bogus. I want your company to cease all further contact with me. If you have any questions or comments I will gladly give you the phone number to my attorney. I want the CFPB to investigate this matter.
First of all, my mother sold her furniture business overseas and collected XXXX XXXX dollars and deposited the monies in Wells Fargo ( XXXX XXXX at the time ) before she passed 15 years ago. As the years went by, my Father suffered XXXX SINCE of my mothers death. My sister who was once a XXXX ( XXXX XXXX ) over 20 years ago became a " XXXX '' at XXXX today. My father who suffered XXXX in his XXXX was in the hospital and XXXX. As ME being the POA and the Administrator of my fathers estate, my sister before he died a few years back seen the former co-worker aka XXXX XXXX at the XXXX XXXX Wells Fargo to make a fake account in her XXXX sons name and had stolen over {$300000.00} AFTER his death, and over XXXX was taken from the Widow using HER Name, NOT HIS. I 've hired an Attorney to overlook the case WITH the Evidence from a subpeona to Wells Fargo to PROVE Wells Fargo uses FAKE accounts to attach to innocent bank accounts to STEAL funds from the elderly/XXXX. Wells Fargo REFUSES to answer the question on WHY it was done AND XXXX XXXX to whom I scheduled 2 appointments to speak to never showed up to the appointments to EVADE from the FACTS on WHY she did that with my sister. The BOTH knew my parents and MY financial business to STEAL when a Father was in XXXX and used the POA to stel the monies AFTER his death and continued for a year later AFTER his death. My Attorney advised me to communicate with this site to see HOW Wells Fargo is an unfit business to our customers. The sister stolen the savings, checking, AND Investments accounts with an ILLEGAL POA after my Father passed on XXXX XXXX, 2014. She emptied the savings, checking, AND the investment accounts ILLEGALLY per Wells Fargo 's evidence sent to US!!! The other Wells Fargo employee XXXX XXXX Notarized an Illegal Deed for my other sister to obtain the Estate Illegally when Wells Fargo DOES N'T DO Deeds with their Employees!!!! XXXX
I lease a XXXX Dodge from XXXX XXXX XXXX in WI XX/XX/XXXX. After the XXXX truck was found to have XXXX more miles than advert sed I have no idea why this is cutting off/ going XXXX. 
I was not provided with and account number or mailing address nor exact payment amount. I contacted Ally Bank on or about XX/XX/XXXX. I sent a payment per verbal instructions. Then I sent a double payment in late XXXX I noticed a partial payment due. I contacted Ally and was informed it was a late charge from XX/XX/XXXX. To which I informed them it was their error in not providing a payment amount, due date, account number and mailing address. 
The person was not authorize to correct so the put in a request. A few weeks later ( XX/XX/XXXX ) at approximately noon I received a collection call stating I was 31 days past due because of a returned check. I advised them that was not possible as it was a cashier 's check. They said it was in the amount of {$2000.00}. I advised them I had never sent a {$2000.00} check. Collector claimed it did not matter that I wa 31 days past due and needed to make an immediate payment. After a " heated '' exchange I hung up. I contacted both the dealership and ally and got lots of reasons why I was past due from they do n't accept multiple payments to a returned check. I ask multiple times verbally, emailed and wrote letter to get address of their regulatory agency to file a complaint. To which I never received a valid answer. 
When I was told it was corrected ... I never got a copy of my credit report showing that it was removed or corrected. 
They sent me some kind of accounting statement showing I made 6 payments in XXXX XXXX and XXXX payments were reversed in XX/XX/XXXX. Which is not a payment history of my account as requested. Nearly 20 hours of business time was spent correcting this only to find out it was still not corrected. The Ally contact with XXXX XXXX XXXX called and during that conversation it was discovered that Ally had added an additional late fee to my account when they had reversed a double payment twice on XXXX XXXX, XXXX. 
I have a verbal phone call that I made that appears that the current amount due is correct as the next due date. I have no in writing evidence of that as was promised on several occasions. Obviously this is a condensed version of what happened during countless phone calls and at least 20 hours of business hours lost. Not to mention multiple harassing collection calls. When they were directed not to call again unless they had a resolution. It was explained to me at one point that collections and the department investigating the issue have no means of corresponding with each other.
Credence Resource Management LLC purchased an expired debt that I was no longer liable for. This debt had been removed from all of my credit reports it was expired and time barred. 
They did not contact me before placing negative info on my credit report to give me a chance to verify this debt. 

They re-aged the debt claiming it was a new account and the last payment was in XXXX 2016. Federal Law prohibits cell phone companies to sue after 2 years, they sent the info to XXXX and it caused my credit score to drop XXXX points. I have since disputed and XXXX gave me a favorable decision and deleted the negative information. 

This practice of parking and re-aging a debt is illegal, especially with out first trying to contact me.