WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Wells Fargo Mortgage requesting help for a modification/refinance XXXX XXXX, XXXX. I was declined twice. My home preservation specialist advised me not to make 3 months ( XXXX, XXXX & XXXX ) of mortgage payments and he guaranteed me by skipping those three months would not harm my credit in any way since I was protected under the modification program. Everything was done verbally, never on paper. I was approved XXXX XXXX, XXXX. He verbally told me the terms : 3.25 %. The missed three months would be tacked to the end of the note and they had added a couple years to the term. The monthly payments were more than my original payment. I was assured that figure was incorrect but would be corrected and reflected on the final documents that I should be receiving in the mail shortly. He advised me to make the inflated " trial '' payments and not file an appeal. It took me several weeks talking with him to agree to the " trial '' terms. I expressed numerous times to resubmit with the correct amount or to at least send me documentation indicating the corrected amount. He stated that they do not send out " personal correspondence ''. On blind faith, I made XXXX, XXXX and XXXX payments but still had not received any documents. I called numerous time and they told me to keep making the trial payments until the documents arrived. They arrived XXXX XXXX, XXXX with the inflated payments and added terms. My loan balance was approx {$85000.00}. The terms were : 3.25 %. The same inflated monthly payment for 279 months- XXXX years equalling approx {$93000.00} AND THEN A BALLOON payment of {$51000.00}. I have talked to many employees at Wells Fargo since I received their paperwork and was told that new paperwork would be in the mail shortly with the corrected terms. I have called and emailed my new home preservation specialist trying to make a mortgage payment. She will not answer, she will not call me back or respond to any of my emails. My credit has crashed to XXXX and I am now 5 months behind on my payments. This makes it impossible to find a new loan from another bank. I filed a complaint in Wells Fargo and she has delayed the process and no longer contacts me. I have attempted to let them know that I do not agree to the terms. I am in default because they wo n't take payments / I was advised not to make 3 months.
XXXX XXXX account showing in collection in XX/XX/XXXX, when the account was paid in full XXXX with a {$0.00} balance, nothing should have been reported since it was closed that month, this is false information, XXXX XXXX say they did n't report anything since XXXX and Experian will not remove this false information
I had a first and heloc with Wells Fargo Mortgage ( WFM ). I notified WFM that I was selling the home with the intent of paying all my obligations to WFM, and requested payoff notices for both loans. In a timely manner, I received the payoff notice for the first, but not the heloc. I continued to request in several more calls and finally, only days before close, did I finally receive a notice in the form of a demand, which was in fact PIF at close of escrow. Simultaneously to or at about the same time as WFM sent the demand and knew full well that my intent was to PIF, WFM reported to CRAs that I defaulted on the heloc and have refused after my repeated attempts to correct. This is of course disasterous and I need help. I have just received a wonderful new job offer that requires relocation and I am fearful that I will have trouble securing a home to rent. Thank you.
XXXX/XXXX/XXXX. I received electronic notice to recertify repayment plan by XXXX/XXXX/XXXX to avoid payment increase beginning XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX. I did my recertification application online at studentloans.gov XXXX/XXXX/XXXX. I inquired about the status of my application via message through the website of Fedloan Servicing ( my services ). 

No response received. 

XXXX/XXXX/XXXX. I inquired a second time via message through the fedloan servicing website. Waiting for response. I am worried that the deadline of XXXX/XXXX/XXXX will pass without my application being properly processed. 

Thank you.
XXXX XXXX XXXX XXXX XXXX ( CT ) loan then sold to XXXX XXXX in XXXX then sold loan to Navient in XXXX. Paying regularly until XXXX, XXXX. I started back to school XXXX in XXXX XXXX. I was told 3 times in XXXX, XXXX and XXXX, XXXX, that my loan would be deferred ( 48 months ) because I was a full-time student. I filled out all the paperwork and my school did also. On XXXX XXXX, XXXX, I received XXXX letters from Navient each saying a different thing about the loan. My University reports monthly so I waited till start XX/XX/XXXX for reporting. I started getting dunning calls about my loan being was late. After three 45 minutes call with XXXX " managers '' I am " UNABLE '' unable to use my last two months of deferment that I am eligible for according to loan documents cause it DOES not fit into their bill cycle. They can help by lowering interest rate to 1 % and payment goes to {$160.00} a month. I requested copies of the loan documents at end of XXXX, XXXX. The loan documents sent were dated XXXX/XXXX/XXXX, and post marked XXXX/XXXX/XXXX, and I did NOT receive them til XXXX/XXXX/XXXX. I am called atleast 6 times a day by the automated dailer from area codes from XXXX, XXXX, and XXXX all without them leaving a voicemail as to why they are calling. I have explained the situation about their misinformation to me on numerous occasions and that I do not have means to pay because on SSI but they are unwilling to do anything but the above. Please help and investigate billing practices/conversations/collection practices
This is a follow-up to case numbers XXXX and then XXXX. Chase has been holding funds for a check for {$3500.00} in a suspense account since XX/XX/XXXX. Based on response from XXXX, in which Chase suggested that " You and the maker of the check can visit one of our branches with two forms of valid ID to verify issuance of the check '' ( which was repeated to me on the phone, and at visits to Chase branches, and seems absurd, and is the basis of case number XXXX ), I took the day off from work on XX/XX/2016 and traveled an hour and a half each way by subway and the XXXX to XXXX, NY ( copy of XXXX ticket attached, and phone conversation with Chase fraud department from XXXX branch on record ), to meet the maker of the check and we proceeded to the nearby Chase branch in XXXX. We both presented out identification to a manager, as requested, and of course signature on maker 's ID matched signature on check canceled check that maker had brought along, along with his statement from XXXX showing check had been paid to Chase back in XXXX. The manager called Chase fraud department ( Chase 's term for this department is " executive offices '' ). Nevertheless, this department refused to release the funds. 

I missed an entire day of work, on top of the countless hours spent on the phone and visiting Chase branches ( on XXXX where check was originally deposited to my account with a teller, and downtown where I work ) in the weeks and months following the initial deposit. 

Not only is Chase still holding the funds, they continue to refuse to let me know the basis of the hold.
My car was repossessed by American Honda Finance on XX/XX/2018. I was never given a notice of sale. This violates my consumer rights, California Penal Code 1812.2 ( state car was repossessed ) and XXXX XXXX ( state where I reside ). I updated all contact information with XXXX on XX/XX/2018, well over a month before Honda sold the car. His phone number is ( XXXX ) XXXX. This information can be verified via my account notations. I was never given the option to redeem the vehicle, nor was I afforded the opportunity to attend the auction as no notice was sent to my current address. Suspiciously, after the vehicle was sold, Honda was able to send the deficiency bill to my current address ( on file ) - I will attach a copy of this.
I have received repeated phone calls with a man using the name of " XXXX XXXX ( spelling? ) '' ( private number ) stating that he will be at my location for me to sign legal documents and that he has placed he on his schedule. He also further states that he has my social security number. This morning, at exactly XXXX XXXX CST he called again ( private number ) to both of my cell phone numbers with the same message verbatim has before. Towards the end of the message he directs me to call : XXXX. I called this number and it just rang and rang until it either went to a unnamed voice mail or a lady picked up. I spoke with this lady and gave her as little information as possible. I repeatedly asked her what the name of her company was until after several attemps she finally told me she worked for " XXXX XXXX XXXX ( spelling? ) '' and kept asking me for my social security number but I refused to give it to her. Through several minutes of repeated attempts I only gave her my name, and she told me I have an outstanding balance from XXXX for {$1000.00}. I asked her if I could speak to the original creditor or verify this debt before continuing and she ignored my request and repeated said that they are going to find me at my residence and take legal action. She kept asking me if I was to make an offer probably XXXX times and would not listen to anything I had to say. She would only ask what my offer was or that her supervisor will issue someone to collect the debt and/or issue legal documents to be on their behalf. I asked for them to mail me whatever paperwork or documentation of this debt and they refused and said at this point they will only be able to obtain this debt by personal contact. 

Furthermore, it appears that this call are " robo calls '' since the call I receive from them is the same thing verbatim as the last calls were.
I applied for getting a house loan with mortgage solutions in XXXX 2016. I was led to believe I was approved and received a preapproval letter of {$270.00}. Everyday he was telling me tomorrow you will get your approval letter. Our closing date was XXXX/XXXX/2016 he wanted us to extend it. The seller extended the closing date a few times. He still was promising the next day we will hear from the underwriters, he played this game for three months. Finally XXXX/XXXX/2016 after my friend gave me 20 % down and he came to the bank to get the bank letter he said he needs to send this to underwriter and they will send an approval letter and we will close the next day. On XXXX/XXXX/2016 I insist for him to give me an answer since we were close to XXXX weekend and the schools were opening we still had no house to go to, my daughter did not know where she would go for school, I was living in boxes since the week before the original date of closing ( XXXX/XXXX/2016 ) and I ended up paying double to continue staying in my apartments after I ended my lease. It was the most terrifying experience to buy a house with this lender, for me and my children. Everyday I was under the belief that we are getting the approval the next day for three months. Finally XXXX/XXXX/2016 he wrote a I am sorry letter and that the underwriters only approve me for {$180000.00}. He said in that letter that the underwriters did not accept the child support income for the loan. This information and all my information were clear from the beginning and he admit at some point and apologized for letting me to believe I was approved when I was n't for the loan. I am a single mother of XXXX children. I lost the property and even though I found another lender the same day and they approved me in three days this interaction with mortgage solution made me lose a lot of money ( the appraisal, penalty of staying longer in the apartments and paying double for each day ) and the lender was completely aware of my family situation and the stress of not knowing where we should live. The lender was well aware of us having to walk through the house and we were all ready to move in. The seller did not agree with extending the contract with the new lender and we ended up losing the house. 

I have all of these documentations and If I can provide more information please let me know.
I am  XXXX   XXXX   XXXX  with  XXXX   XXXX . After a year or more performing loss mitigation, I got approved for a loan modification, I have been paying mortgage payments diligently and recently I received a check send back for  XXXX  Mortgage saying that the total amou.nt required to bring this account current is {$30000.00}. I dont agree with them that the  Modificaiton i s not compIeted because they already received Modification Agreement with  Notarized Signatures and Modificaiton Deed of Trust signature. Nationstar is u nfair and NON- compliant.. As requested on letter dated  XXXX   XXXX ,   XXXX   for  XXXX  Mortgage payment, I made the payment in the amount of {$1400.00} to Nationstar, in their request due to additional fund is needed. Why is it being send back when I am doing what they have asked? Not only that they are asking for {$30000.00} to bring the account current.  XXXX  is lying and tricky. At this point I am on   XXXX   XXXX   and  XXXX , where in the world do I get {$30000.00} to pay them? They already sent out apology letter and will honor the modification.
XXXX XXXX, 2015, I made a {$25.00} donation to my XXXX support group using my Bank of America XXXX. I never received the bill and, admittedly, I forgot about it until XXXX my other credit cards was canceled because of the outstanding delinquency on XXXX XXXX, 2015 ( FIA Card Services ). When I bought my credit report from XXXX on XXXX XXXX, 2015, I found out about the unpaid bill and promptly contacted Bank of America by phone ( to find out the total outstanding charges, including finance charges and/or late fees ), and paid the bill online that same day ( payment cleared the bank XXXX XXXX, 2015 ). I also requested Bank of America send me a copy of the outstanding bill, which they did. When I received the copy a week later, it said the amount due was {$28.00} ( the amount of the payment I made ) ; the due date was XXXX XXXX, 2015. When I received an updated copy of my credit report from XXXX ( dated XXXX XXXX, 2015 ), I was stunned to see that, although my Bank of America account was now showing the status as " current, '' there was another outstanding bill for {$1.00}. For the second time, I had to call and request a copy of the bill by phone. I paid it XXXX XXXX, 2015 ( the due date on the bill is XXXX XXXX, 2015 ), but I 'm disputing the additional charges ( listed on the bill as " minimum interest charges '' ). I 'm also disturbed that I received no bills in the last 6 months, except when I phoned them to request duplicates. What 's wrong with this picture ...?
I took out a loan with Cash Call back on XXXX/XXXX/14 for {$10000.00}, loan id # XXXX. The interest rates were very high and I had a few other loans out so I was working with a debt consolidation company to combine my bills and make XXXX payment at an affordable interest rate. Cash Call refused to validate the debt and would not work with my debt consolidator. I was then advised that Cash Call was being sued by my state ( CA ) and the state was requesting to revoke the companies license due to illegal loans and to not pay the debt. Cash Call sold my loan to another party ( XXXX XXXX XXXX XXXX XXXX ) who is calling my family members requesting me to call them back and trying to collect on the loan. I have requested them to send me a letter via mail verifying the debt which they have not sent yet only an email demand letter. They are demanding payment of {$10000.00}. I am concerned this company is not legitimate and with Cash Call getting into trouble for illegal loans am not sure if this debt is valid.
I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$1000.00}.
I filed bankruptcy on XX/XX/XXXX. All my credit card accounts and other loan account were current never late. After filing bankruptcy the accounts all show closed but they all show late after XXXX. i was never late on any account even before filing on XX/XX/XXXX I have asked and disputed the information and all i get is it is accurate. This is hurting my credit scores and is hurting my ability to improve my credit after bankruptcy. Experian is the only company that is showing this issue. I started my first dispute on XX/XX/XXXX. I also called experian multiple times. My credit score difference between the 3 reports is roughly 40 points lower with experian.
MY MORTGAGE WAS BEHIND APPX {$5300.00}. I SENT GREEN TREE SERVICER {$5000.00} IN THE FORM OF AN ONLINE CHECK. MY BANK RECORDS REVEALED THAT MY CHECK WAS CASHED XX/XX/XXXX. THE BANK DENIED EVER HAVING THE CHECK AND CASHING THE CHECK. I SPOKE TO MANY, MANY SUPERVISORS AND MANAGERS IN THE COLLECTIONS DEPT REQUESTING TO RECIEVE MY CHECK BACK BECAUSE I WAS TOLD THAT I WAS IN FORECLOSURE AND THEY COULDNOT ACCEPT THE CHECK. AFTER BEING IGNORED BY EVERONE I SPOKE TO ... .. I REALIZED THE ONLY OPTION I HAD WAS TO SEND THE BANK THE ADDITIONAL FUNDS TO BRING MY ACCOUNT CURRENT. THOSE FUNDS WERE IMMEDIATELY RETURNED TO ME FOR PARTIAL PAYMENT. XXXX OF THOSE CHECKS WERE SENT TO THEM THE EXACT SAME WAY AS THE {$5000.00} CHECK THAT I SENT SO I WAS CONFUSED AS TO WHY THEY COULD SEND THOSE FUNDS BACK SO SOON BUT NOT THE {$5000.00} PAYMENT I SENT. I DIDNOT RECEIVE MY CHECK BACK FROM THE BANK UNTIL THE END OF XX/XX/XXXX ( ALMOST TWO MONTHS ). BY THAT TIME I WAS CHARGED / ACCRUED PENALTYS AND LAWYER FEES THAT WERE ASTRONOMICAL AND TOTALLY UNCALLED FOR ( AS MY PAYMENT HISTORY REVEALS I TRIED TO BRING MY ACCOUNT CURRENT MONTHS BEFORE.
In XXXX, XXXX, the State of XXXX Department Of Revenue wrote to  XXXX requesting the title of the vehicle in question ( see attached ) be sent to XXXX Department Of Revenue so that the title could be perfected to a XXXX title from the original XXXX title. This is because I moved from XXXX to XXXX ( XXXX XXXX metro ). 

XXXX did not comply and in XXXX of XXXX transferred my account to Real Time Resolutions ( XXXX XXXX XXXX I ). 

Real Time Resolutions refuses to comply with the State Of XXXX  request as well as my many requests for them to forward the actual title to the State of XXXX. I am attempting to have this done so that I can obtain a XXXX registration. I have been unable to register my vehicle since XXXX, XXXX. 

I am requesting your assistance in notifying Real Time Resolutions ( XXXX XXXX XXXX I ) to comply with the XXXX  and my request to forward the title to XXXX Department of Revenue and once it is perfected, the document will be returned to RTR. 

Thank-you for your assistance. Please feel free to contact me at any time regarding this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX
Creditor is Bank of America and I have a inquiry on my report that I didn't authorized nor did I apply for anything and I want this item removed via FCRA section 623 if you can't provide proof that I requested to have this inquiry on my report It's fraud.
CBE has been trying to collect a debt that they have not been able to shows as a valid debt. The debt is from XXXX XXXX XXXX, and I have asked repeatedly for what the debt was for. CBE repeatedly has sent a old statement from XXXX with no detail explaining the charge. I was not living in the property where the charge occurred at the time of the charge, and I truly doubt the charge is valid. CBE has made XXXX previous attempts to collect this amount over the last 3 years has never been able to produce the details of the charge - the charges are considered invalid.
I have been having issues trying to upload consumer disputes with Experian through their online website it has been an ongoing issue trying to upload disputes and without a doubt feel that Experian is deliberately turning their portal on and off making it very difficult for consumers to file their disputes online. I am certain that XXXX if not XXXX of other consumers are having the same problems with Experian and making the same complaints. 
Please look into this urgent matter regarding Experian 's unethical practices they are in violation of the FCRA depriving consumers of their Rights under the FCRA to initiate disputes online. I have also spoken to a XXXX XXXX law attorney whom stated to me that he is receiving many calls from consumers reporting the same issue with the online upload disputes. 
I have attached all my identifying information to prove who I am and Expeian makes it impossible for me to make online disputes. Please look into this thank you! 

XXXX XXXX
I have disputed the late payments on XXXX  XXXX, XXXX  XXXX for months. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX Bank of America - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX My XXXX, XXXX, sent me a paper check in the mail. I attempted to deposit the funds via the mobile app. After I pushed submit, I noticed that my funds will not be available until XX/XX/XXXX ( today isXX/XX/XXXX ). I called BOA ask why there is a hold of 8 days. I told them that : It is not over 5K ( the check is for 2.2K ) My account has been open for over 30 days I have not bounced any checks The employer is XXXX banking through XXXX XXXX They stated that it will take 8 days. Maybe 200 - 300 will be available in a couple days, but the funds will be in my account onXX/XX/XXXX. I explained the urgency for the funds ( mortgage, medicine for my kids, food ) and while that may not expedite the process, I need to cancel the hold and cash the check so I can take care of my family. They refused to stop processing the check stating it will take 8 days. I asked for a supervisor. They stated the same thing. The refused to stop processing the check or expedite it. 

A few minutes later I tried to cancel my account in which they refused to do so. I reviewed the documentation on the federal reserves website and it seems that 8 days is well over the limit for a hold. 

I will call BOA to state I submitted this complaint. I know these compliant could take 15 days, but any help would be appreciated. My children need the basics and I can't provide that without the proper funds.
I used my " in case of emergency '' credit card to get a hamburger for XXXX in XX/XX/2016. I never got a bill on the mail since then. I received a letter from from them saying acct closed till paid in full. Sum XXXX. I asked forgiveness for the oversize and was told that I would be reported to the credit bureau for bad credit. I did pay for the hamburger. Not the trumped fees. Can you help me?
We applied for a mortgage modification and were approved for a XXXX modification, but the payments are much higher than the original payments. When we reviewed the modification offer with Greentree, who is the servicer, our gross income, which consists of only XXXX income from Social Security and my husband 's pension, was significantly higher than the actual gross. The servicer said they " gross up '' the income by adding 25 % of the non-taxable income to the actual gross income, which in our case was more than {$500.00} than we actually receive. My attorney reviewed the XXXX guidelines and the " gross up '' is in their Selling Guide, but not in their Servicing Guide. When we asked Greentree if they would provide a citation to the section or provide the actual documentation they refused and said they were not allowed to do this. This violates the XXXX guidelines because the modification is not 31 % of our gross income, but 31 % of a fictitious income.