WillisBack/dataset-financial-user-claim huggingface dataset:
I am in dire need of your help. My credit was ruined as a result of suffering from " HURRICANE XXXX '' in XXXX XXXX. The Flood insurance only reimbursed me {$23000.00}. after I had submitted all the paid receipts for work I had to have done on my house and all of the losses that occurred, totally over {$120000.00}. ( my house still is not finished, because I ran out of money ) By XXXX XXXX my22.5 year marriage ended, & mostly due to the financial impact from the Flood insurance. So now I am divorced & living in an unfinished house that I had put a tremendous amour of money in to repair & it 's not even worth what we paid for it, {$560000.00} in XX/XX/XXXX. I desperately need to re-fi but my credit is not good enough. My mortgage ( {$380000.00}. ) is at 4.5 % & a XXXX ( {$53000.00} ) at 6.99 %. If things do n't get better I will lose my house. 
I have worked very hard at cleaning up my credit but I just do n't seem to get a head because of things I can not control or understand. There are numerous problems with this CREDIT REPORTING SYSTEM, but for now I am only addressing this XXXX instance. 
I subscribe to XXXX credit reporting agencies on line, XXXX is " XXXX '' & the other is " EQUIFAX ''. I watch my credit scores & the reports closely & earlier in XXXX according to EQUIFAX MY SCORE WAS # XXXX & on " XXXX '' it was # XXXX, under EQUIFAX. WHY ALL THE DIFFERENT SCORES FROM THE SAME PLACES IS BEYOND ME, & VERY DIFFICULT TO WORK WITH, NEVER KNOWING WHAT IS CORRECT! ( but that 's a different topic ) XXXX of the necessary things I need to do is establish NEW CREDIT. I looked up & found that with my scores I would be able to acquire a CREDIT CARD from XXXX XXXX. I applied & to my surprise I GOT REJECTED! I got rejected because when XXXX XXXX inquired about my score FROM EQUIFAX, THEY REPORTED MY SCORE AS XXXX! I NEVER WOULD HAVE APPLIED IF I SUSPECTED THAT THEY WOULD REPRT SUCH A DIFFERENT SCORE THAN THE ONE THE GAVE ME! I called EQUIFAX, & explained what happened & they did n't know why. They knew my score was higher than XXXX but they did n't know why they told XXXX XXXX it was so low. Then they gave me a phone # to tell XXXX XXXX THAT EQUIFAX MADE A XXXX & THAT XXXX XXXX COULD CALL & VERIFY THAT IT WAS HIGHER. XXXX XXXX, thought I was stupid & told me that they were not going to call EQUIFAX! 
And the BEST PART, AFTER I WAS REJECTED, EQUIFAX LOWER MY SCORE FOR TRYING TO GET A CREDIT CARD. 
I have attached all the pertentant documentation. Thank you for your help. I look forward to hearing from you! XXXX
I hired an attorney because the billing was not correct and the bank changed the interest rate without my authorization. Once my attorney contacted the bank the debt collectors started sending robo-calls to my wireless telephone number.
A couple of days ago,  XXXX   XXXX    XXXX  , I go to check my credit report and was surprised to see that I had  XXXX  duplicate accounts in collections from the same company,  XXXX   XXXX   XXXX , for the same exact amount from the same original creditor,  XXXX . I was livid because I felt as though they were being deceptive with their reporting and wanted to try to get me to pay twice. I got their number online and called them in hopes that they would help clear this matter up. The person that I spoke to was no help. He said that it appeared to be a duplicate but there was nothing he could do to help at that time. If I have to, I 'll consult with an attorney about what steps can be taken to get this rectified but I would like to get this taken care of on my own.
About 6 months ago, I requested to close my account at Santander Bank in XXXX, ny XXXX. Until today, it is still open. I have spoke with banker and they claimed it will be closed. I am still getting statements. If my statement were lost, that is a breach of privacy. I am still getting statements and they still have closed my account. I understand that they arent closing my acct so the banker wont lose credit. But this is wrong and unethical.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Twice ), XX/XX/XXXX, XX/XX/XXXX- Blocked their number, they somehow contacted by after blocking it - No amount was discussed and no names were mentioned, they just keep trying to contact me without sending any written notice or amounts - Call is from " XXXX XXXX XXXX ''
Was caught up in a real estate scam. Now I have a mortgage in my name for a house I do not own or live in. XXXX Years later, no one is making payments on the house and instead of foreclosing and ending this nonsense Wells Fargo wants me to somehow magically get the title back in my name. They wo n't foreclose and they have attorneys contacting me to tell me to transfer a title back into my name that I ca n't possibly do. XXXX complaint here also, everytime the rep from Wells Fargo contacts me he rude and ugly towards to the point of me yelling at him on the phone.
This is more than just closing an account, I was the Victim of Fraud through a 3rd party company regarding school loan consolidations. The amount was for {$590.00} or so. 
The fraud was very well done, I didn't notice until several months later when my actual loan lender contacted me. It took place on XX/XX/2016, I did not find out until XXXX. I reported the claim as soon as I found out to my Bank Wells Fargo, they even help me locate the 3rd party information and acknowledge on a call that the company had several fraud notes on the web.

A few months later, Wells Fargo contacted me informing they lost the fraud claim and then they deducted the funds from my account. I tried to talk to several people from the bank and one helped me. I went to a loca branch, and the manager suggest to keep trying. The bank provided no information on how to approach this and continue saying that I lots the claim. I refused too be responsable, I was a victim. They said that was my choice and that they would take me to collections and and report my account. I try to call several times before and at one point the call was supposedly escalated to an other department and a " Manage Supervisor '' Again they offer no middle grounds and they did not protect me, the customer. 
I recently received a noticed, now they closed my account and they sent me a notification about reporting me to entity. 
Now I don't know what to do or who to contact, the bank has escalated this instead of helping. 
Thank you XXXX
PLEASE HELP ME!!!! NAVIENT/XXXX HAVE LIED TO ME, TRICKED ME ABOUT INFORMATION REGARDING MY STUDENT LOANS. THEY SAID THEY DID NOT RECEIVE MY PAYMENTS AND WHICH THEY INTENTIONLY CAUSED MY LOANS TO DEFAULT. THEY SENT A GARNISHMENT WITHOUT TRYING TO CONTACT ME REGARDING THESE ISSUES AND CALLED MY JOB TO TRY AND EXPEDITE THE GARNISHMENT WITHIN A 10 DAY PERIOD. I DO NOT TRUST THESE PEOPLE AND UNDERSTAND THEY ARE BEING SUED FOR THESE REASONS. THEY ARE VIOLATING THE LAWS IN EVERYWAY POSSILBE. I TOLD THEM NOT TO CALL MY JOB AND THEY CALL ANYWAY. I TOLD THEM THAT I WAS GOING TO REPORT THEM SO THEY GOT MADE AND STARTED CALLING ASKING FOR THE HUMAN RESOURSE DEPARTMENT AND THEY TOLD THEM TO SEND WHATEVER THEY WANTED IN WRITING TO THEM. THEY TOLD ME THE GARNISHMENT WOULD GO AWAY ONLY IF I CONSOLIDATED ALL OF MY LOANS WITH THEM WHICH ALREADY SHOWS ON THE NATIONAL STUDENT DATA REPORTS THAT THEY THEMSELVES HAVE CONSOLIDATED ALL OF MY LOANS WITHOUT MY PERMISSION. I DO NOT TRUST THEM AND CAN CHOOSE TO CONSOLIDATE MY LOANS WITH OTHER LOAN SERVERS OR WITH THE BANKS. 
PLEASE REPORT THIS COMPANY BECAUSE THEIR CUSTOMER SERVICE REPS TAKES THINGS PERSONAL WHEN SPEAKING TO THEM AND WILL TRY TO MY THREATS TO YOU WHEN YOU TRY TO DEFEND OR DISCUSS YOUR LOANS BY TRYING TO MAKE THE NECESSARY PAYMENT ARRANGEMENTS. I KNOW MY RIGHTS AND I KNOW THAT THERE ARE MORE OPTIONS AVAILABLE. PLEASE REPORT THEM AS FRAUD AS THEY HAVE ALSO SUBMITTED A GARNISHMENT TO MY EMPLOYER BUT THEY ALSO HAVE REPORTED TO THE DEPARTMENT OF TREASURY TO OFFSET MY INCOME TAXES WHEN I FILE THIS YEAR ( HOW?? ) WHEN THEY DID NOT TRY TO ALLOW ME TO MAKE PAYMENT ARRANGEMENTS WITH THEM AT ALL!!!!!
This SCA collections is damaging my credit by attempting to collect a fraudulent debt. I have never heard of this company or the medical office they are supposedly representing.
Credit acceptance is showing on my credit reports. The statue of limitations to collect the debt have expired. Needs to be removed from ALL credit bureas
OnXX/XX/XXXX, I and XXXX, where I am a XXXX XXXX XXXX, signed an agreement that I would receive 4 credits in XXXX XXXX for my XXXX. This was based on meetings at the accounting department, conference calls and emails between The Department Chair, Advisor and Registrar.
The 4 credits were crossed out and reduced to 3. I received some explanation that did n't make sense, but did not make a fuss. OnXX/XX/XXXX I called the school and was told that I have to pay in order to view my unofficial transcripts. I immediately allowed the system to make payment. However, I saw that there was no title to the course, just a generic course type XXXX XXXX.
I contacted the registrar, bursar, bank, Chair and Advisor. How could this be. Our signed agreement specifically states the course title and amount of credits. Unfortunately, the only way for me to see that was AFTER I made payment. Their response was unsatisfactory. I sent written notification to the bursar tgat they are unauthorized to makethe payment.
I contacted the bank. XXXX refused to help or stop payment. I asked for a supervisor. XXXX at extension XXXX left me on hold until the call timed out. I sent written notification to the bank.
I do not need the credits to graduate, but wanted the specific tax course notation on my transcrips.
I will be contacting the Attorney General 's office and am waiting for XXXX XXXX XXXX to contact me with the address to send a formal complaint.
Meanwhile, as HSBC was unresponsive, I ask the CFPB to ensure that this unauthorized charge does not go thru. I did not get what I was told that I would get. I had to pay to find that out. The bank refused to stop payment despite my call and email.
I have been keeping close check on my credit and have noticed more inquiries and i have not been looking for credit. The only inquiry that should be on my report is target. Anything else was done without my permission and is not valid.
i had missed one month of payment and had less opportunity to work due to XXXX symptoms. my mother needed help caring for my sister who had stage XXXX XXXX XXXX so i fell another month. i requested to Wells Fargo to pay more over the next several months to catch up but they insisted i do a loan modification, i did not want to do a modification so is sent in a check for one and a half month mortgage payment they returned the check and tild me not to send in any more payments until they complete the modification. i called my congressman XXXX XXXX and his case manager called on behalf. while on the 3 way call the peron he spoke to avioded his efforts to talk to her manager even though he stated he was case manager for congressman XXXX, the case manager said theey will not take my home ... XXXX lost the next election and i had to find the congressman for my district because they did a redistricting and it took months. i found XXXX XXXX was the congressman ( woman ) and spoke to her case manager XXXX XXXX. i explained the mortgage company denied the modification that they forced me into, even though i had {$10000.00} and a XXXX XXXX pension. XXXX XXXX was no help and led me to beleive there was nothing he or anyone could do. Wells Fargo had been guilty of this before but again he was no help. the VA bought my home even though i has the VA so called expert helping to helping me. VA rep.for mortgage XXXX told me they take long to do modifications but they will grant me this. and when i lost my home she just apologized and could not explain why the VA bought it instead of helping me stay in it. i told her that XXXX bank kept changing counselors every few months and i felt they were going to deny me but she insisted they would not deny me. so i have been homeless since 2011. i have wrote Obama and President Trump and got no reply ... i did what the VA pamphlet said to do by calling the VA " expert '' and still lost my home ro the VAXXXX i feel i did not gey mad enough because i trusted the system. i get  thanked for my service and some call me a hero but i lost my rights defending this country to the system. XXXX company sent me information stating that my foreclosure was not done wrong, so how can i get help to right a wrong?
Our mortgage company failed to pay our property taxes out of our funded escrow account on time, which has resulted in a penalty and interest charge. The county tax assessor has also issued a Notice of Intent to Issue a FIFA on our property. We have contacted our mortgage company on several occasions to remedy this situation, but they have not been responsive to date.
I have requested that I be provided documentation regarding the transfers of the note and the title, along with the mortgage servicer agreements to my home..So far I have received only copies of a loan modification agreement signed by " robo signers " - ( Violation of Arizona 's false documents statute ( robosigning ) : Dismissal reversed and remanded. Plaintiffs alleged that MERS " robosigned '' documents in violation of Arizona 's false documents statute ( Ariz. Rev. Stat. Sec. 3-420 ). Plaintiffs claimed that documents such as notices of trustee sales and assignments of deed of trust had been notarized in blank and robosigned with forged signatures. The XXXX XXXX reversed the XXXX Court 's dismissal based on a change in law, noting that in a recent decision, the Arizona Court XXXX XXXX determined that a damages claim is available under Arizona 's false documents statute where a borrower alleges that a notice of substitution of trustee and assignment of deed of trust are false. See XXXX XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX, XXXX ( Ariz. Ct. XXXX. 2013 ). The XXXX decision also provided that borrowers in default did have standing to bring allegations under Sec. 33-420. Because the allegations at issue in XXXX closely resembled the borrowers ' allegations here, the XXXX XXXX reversed the XXXX Court 's dismissal. ). XXXX and Nationstar seem to be operating without having the documentation that Verifies that my mortgage is Legal or that they have the Legal right to service this mortgage
I had a judgment on my credit report with XXXX, XXXX, and XXXX. I made monthly payments and now The debt is paid off in full. But the judgement is still showing on my XXXX credit reports. The debt collector failed to report that the debt is now paid in full.
The issue is the Trans Union refuses to remove incorrect information off of my credit report. They say that they will reinvestigate and then give a response after 60 days. That is n't ethical. Their time frame is 30 days. That is it. I have already sent an intent to sue notification to the Bureau and I am now waiting for a court date. I know of several people that have sued and won because Trans Union has n't removed items where XXXX and XXXX already have removed the information. There are XXXX bankruptcies that should n't be on there. XXXX and XXXX have already removed them. TransUnion has been fighting me on this for the last year, and I am not going to deal with this a month longer. My plan is to sue for the amount that the law allows and not any less. The items that need to be removed are both bankruptcies, XXXX, XXXX, XXXX as they should have never been on there. I was told that TransUnion leaves items on there according to what the creditor wants which is illegal. The items have already been removed from the other bureaus, therefore Transunion needs to remove them. Also numerous inquiries need to be removed because those car dealerships did n't have my permission to run my credit. XXXX needs to be removed as well. Lastly XXXX needs to be removed lastly. This is the last time I file a complaint. My next step is to see them in court with all of my witnesses and documentation that I have showing that no one has validated any debt, nor shown any proof that it belongs to me, which it does n't.
I am a Wells Fargo bank customer for the last 16 years. On XXXX XXXX 2016 I used the SurePay program to send money to my XXXX XXXX XXXX XXXX XXXX, in the amount of {$400.00}. According to the website ( XXXX ) an email is sent to the recipient, they confirm the bank account and then the money is sent to this person. I did this but XXXX never received an email. Apparently since we had do this 2 years previously the money went straight to a previous joint account she had and was no longer on this account. ( It was a joint account with XXXX 's ex-husband XXXX ) Again no email or text was sent to XXXX verifying the correct recipient as the website indicates will happen. 
I filed my 1st complaint on XXXX XXXX 2016. 10 days later it was denied. I filed 2nd complaint and XXXX filed complaints as well. All denied. I involve the XXXX branch manger XXXX. Also denied. This violates the XXXX XXXX XXXX Wells Fargo publishes. ( XXXX ) At this point {$400.00} has gone to XXXX and he is not going to give it back. ( I asked ) The problem is that Wells Fargo did not follow their own published process which would have avoided this error. 
A XXXX issue is this is a clear AML ( Anti-Money Laundering ) issue. Their system allows and facilitates the flow of funds to recipients not listed in the request. The criminal element is likely exploiting this flaw already.
A XXXX XXXX has been phoning my home from an untraceable phone number ( perhaps registered somewhere XXXX XXXX and when I phoned him back he told me he was working for a " client '' that told him I owed over {$13000.00} to a credit card company and they were going to add {$5000.00} in penalty. I tried to get his address, he refused. I told him any debt resembling that amount was paid off years ago. I asked the name of his " client '' and he refused to tell me. He also had a recorded message from another untraceable phone number leave a message about the government starting an action. He hung up on me twice. He was very rude.
Re : XXXX Continue debate over JP Morgan credit card that was issued to me put back in early XX/XX/2018 for travel. I think XXXX and JP Morgan 's plan was to keep any employees 50 and over too tired so we didn't notice that they were stealing from our credit card accounts we were working 7 days a week and 10 hours a day and my last day for working with XXXX was XX/XX/2018 yet JPMorgan kept changing the Auto machine to say different things when I called to check on my account, and I wasn't working nor using their credit card. Now starting with the auto machine it was at one time {$4000.00} that this bank had been asking for in beginning but I only had XXXX   XXXX so I sent it and at that time I was trusting that the government Bank was a good bank being a good steward staff member. A JP Morgan staff person told me the {$3000.00} was for the XXXX XXXX, so I called to XXXX XXXX  and they said they had already been paid in full. This is when I knew JPMorgan Chase bank was Bank was telling lies. Also this bank did not tell me that the hotel the XXXX  XXXX although a crooked Hotel had already taken their {$150.00} to pay for the time I had stayed there- JP Morgan owes them {$150.00} more, and JP Morgan shouldn't be just as corrupt to steal from them. JP Morgan- Chase Bank sent me invoices this bank calls them ( disputes ) but on the banks auto machine they called it my credits. JP Morgan Case Bank gave me a check for {$1700.00} attached. After I sent this bank my $ XXXX XXXX paid $ XXXX then this bank set up a credit for me, that I didn't ask for. My age is a perfect prey in fact any workers XXXX and over and XXXX -Home land Security was hoping we didn't notice what they were doing and I didn't know either until the dispute. I will let the XXXX protection know and the elderly protection know what what's going on with JP Morgan Chase Bank. I told my boss and he just cut off my XXXX-off and went into hiding. THIS lets one know this bank is corrupt and XXXX. I have put in a report with the Police. Now if JP Morgan- Chase Bank wants to go to court they can bring their invoices in strong reasonings with them. The Banks auto machine began to say I owed JP Morgan- {$630.00} then they say - I had it in credit. This amount was from a case that I won back in XXXX XXXXand I spent the whole XX/XX/2018 fussing with a JP Morgan Staff woman -XXXX  XXXX about a case that has already been settled in XX/XX/2018, ( how crazy is that? ) So I requested a man staff of JP Morgan to look over my account there at this bank. JP Morgan 's auto machine began to say that I had XXXX in credit I requested that-but never got, it then it said that I had a credit of $ XXXX so I requested that, but never got it.My $ XXXX JP Morgan wants it back I say no and we can go to court and they can bring all the paperwork and invoices I'm ready to go
On Friday, XX/XX/XXXX at exactly XXXX. mst, I called into Borenstein & Associates office to discuss a current judgement that my husband has XXXX XXXX. I did not get the name of the gentleman that took my call. My recollection of his voice, was he was younger gentlemen, if that helps any. I had called in to see what arrangements we could make on this judgement. My husband had received a letter that was sent to his parents secondary home here in Colorado. The letter was addressed to my husband and when his parents finally returned they delivered it to us last week. The letter was date XX/XX/2016. Which I had explained to this gentleman that we had just received the letter. I had asked if we could discuss the options that were laid out in the letter, since I was calling to see if we could possibly pay the account off that day. I had told him that one of the offers was to pay XXXX and the judgement would be settled. He told me that that offer was no longer available and I asked if we could come up with another offer that would be acceptable by both parties and he said no that since we owned our home they would get their money no matter what when we sold our home. 
I believe this not the best business practices and I was offended by his lack flexibility to work with me and also for his threatening remarks. 
I am desperately trying to clean up our debts and very willing to pay back what is owed, but I will not allow a person/company to threaten us. I 'm afraid that now they will harass us even more because we did not settle this judgement.
When a corporation, bank or any institute checks on a credit rating, and then denies one because of that rating should not be allowed to use that to " ding '' a credit score. Also I do not like the idea of a credit reporting agency to take points from the consumer if the service from the inquiring identity denies that service. We as Americans are being destroyed by these banks and credit reporting agencies and they are using the excuse that the government and the FTC allows them that freedom to do so. It is time that the FTC and government agencies to step in and look at how the credit agencies and lenders are using the credit score system. I have yet in the past XXXX years been able to build my credit up because of these units using the credit score for purposes of denials of many infringements, such as, employment, bank loans, credit interest rates and so on. The Credit reporting agencies are basically at their own discretion on how they wish to destroy us by means of manipulated our scores for their own selfish purpose. XXXX XXXX, XXXX, XXXX, etc. and our freedoms are going to be taken away totally, and corporations with their greed are the ones causing this to happen, and our government is allowing this. Look at history, it will again repeat itself and the USA will be destroyed like the XXXX, XXXX, XXXX, etc destroyed themselves through greed. Please stop these corporations from destroying the American people for their own personal greed 's. The government has taken away our constitutional rights and when the foreign country takes control of this country will abolish the government as it takes over.