WillisBack/dataset-financial-user-claim huggingface dataset:
Attempted to try to resolve problem with Wells Fargo. My home is undervalued by {$100000.00} and has been for 10 years. I have paid approximately {$400000.00} in interest on a {$480000.00} mortgage loan. I am unable to refinance the loan due to no equity in my property. I have been stuck in a 10 year ARM loan with no other options available to me. My mortgage payment has increased 32 % since XX/XX/XXXX when home was purchased while my income decreased by 28 % due to retirement, now living on pension. I have been denied a modification because I received a 2 yr temporary loan reduction in XX/XX/XXXX which expired XX/XX/XXXX. It has been confirmed by Wells Fargo that I expressed concerns about the interest only 10 year ARM mortgage and the temporary status of the loan when notified of the temporary loan. I was lead to believe that I could reapply for new modification upon expiration of the temporary loan reduction only to be told upon reapplying acceptance of the temporary modification rendered me ineligible for future modification. This was a significant term of the conditition of the temporary loan modification and I should have been informed of this as a condition of acceptance of the modification. I have no other options but foreclosure or short sale which, both will require me to vacate my home. I am almost 70 years of age. There should be some assistance for for the elderly.
I enrolled in student loan debt agency program and the down-payment was {$650.00} dollars They told me that after the program was completed that my loan would be forgiven and my payments would be consolidated to increments of {$20.00} dollars a month for next 20 years So I have not heard anything from them in months nothing in the mail stated that have completed the program I even tried calling them and their number changed The number was XXXX XXXX and guy name XXXX XXXX was handling my case
I filed for a XXXX Modification with XXXX. XXXX sold the servicing to Shellpoint mortgage servicing. Then XXXX sent a letter to disregard the last letter. All " Initial Package '' per XXXX Guidelines, RMA copy attached include 1 ) RMA Form, 2 ) IRS form XXXX, 3 ) Evidence of Income and 4 ) Dodd-Frank All have been submitted. " Bank Sanctioned for Failure to Consider Loan Modification ''. I would like Shell point servicing to be considered for Sanctions. I was told that the Sale date and foreclosure were Suspended per XXXX and XXXX of the XXXX guidelines and My demand letter dated XXXX/XXXX/XXXX was never answered to me ( Third party auth on file. The sale date is tomorrow with on service or acceleration letter issued. The only issue is that we submitted the XXXX tax return and submitted a XXXX tax return instead of the XXXX. Now they want a XXXX submitted as well I guess the XXXX is not good enough. There was no written certification done as required by XXXX and XXXX of the XXXX Guidelines. The complete doc 's from XXXX have not been considered which were a complete package.
Upon graduation I was required by navient to start making payments, when telling them that I did not have steady employment they still placed me on payments even after asking for forbearance. After some time of making the payments when I did not have the proper funds I asked for deferment they told me that it was not possible and forbearance was the only option. After this was ending they began calling me requiring thousands of dollars per month. upon finding out about this claim I logged into my account to review documentation and it has since been deleted. I do have emails where they are requesting anywhere from {$500.00} to {$5000.00} for a monthly payment.
About 5-6 years ago, I opened a charge at XXXX XXXX since I received a XXXX % discount on a snow blower I purchased. I also received 6 months of 0 % financing. I signed up for e billing and paid the debt off according to terms. 
XX/XX/XXXX and XX/XX/XXXX, I used the XXXX credit card for the first time since that purchase to buy {$180.00} worth of flowers, pots and assorted garden items. Over the coming months I went about my business and forgot about the purchases. In XXXX, 2015 I received a call from a XXXX representative that my account was past due and a payment had n't been made since my last purchase ( in XXXX ) .. I immediately wrote and mailed a check for {$170.00} ( I had returned a bad plant for a {$2.00} credit ). 
The check which was accompanied by a letter with my account number, incorrectly was credited to my XXXX XXXX account also managed by XXXX. After calling them, the check was reapplied to my XXXX account. 
During the period XX/XX/XXXX thru XX/XX/XXXX I never received either a paper bill or e bill. I communicated this to both XXXX XXXX and XXXX reps. XXXX sent me copies of the missing XXXX bills which were in their system, but never sent to me in any form during the period they were due. 
I pride myself on promptly paying my bills on time. I am XXXX years old and have a credit rating of XXXX. This is not a " dog ate my bills '' story. I assure you I never received bills for four months in any form. My balance is now {$240.00}, ALL finance and past due charges which I refuse to pay since I paid the {$170.00} for the merchandise I purchased once XXXX contacted me. Thank you for your consideration.
Hello my name is  XXXX   XXXX , my phone number is  XXXX . My wife opened a credit card under her social security number with cap ital one, she asked capital one a few weeks ago if she could add an authorize use to the account. I was present when my wife asked capital one and they said she could a dd. My wife asked the representative over the phone that if she added me as the authorize user and if my ssn was needed or was this credit card going to be reported to the my ssn. The representative advised my wife that she was the responsible party for any charges made by the authorize user and that they capital  one did not need ssn, but just the name ( my name ).      Now I am in the process of buying a house and  my credit score was dropped because capital one added my wife 's credit card t o my ssn without my ssn. She did not give the agent my ssn when she added me as an authorize user. I called ca pital one an d try to explain them the situation, but they are unwilling to make the changes to my credit report. They refuse and they are no making me responsible party for a credit card that I never signed up. Please help me. The credit card account that they reported to my credit without my authorization ends with  XXXX . Please help me. As a young couple we are trying to buy our first home, but with my  credit score bei ng reduced by this, I feel I wo n't get the best rate that the bank has to offer. Please help me. I even asked the supervisor  XXXX , ID -  XXXX  to listen to the call when my wife call ed capital one two we eks ago and she only gave my name and not my ssn or date of birth. Capital one just added my wife 's credit card to my SSN without an SSN being provided during the call. I do n't think I am the only person that is having this issue with capital  XXXX  ne. They are trying to cover this by advising people to file a dispute and it should take about 6 months to hear an answer from capital one. The time frame that capital one has pr ovided is unacceptable and I need your help to find a resolution to this issue. Thank You,  XXXX   XXXX .
told girl on phone that myself as well as business was discharged thru bankruptcy, however she got rude and said i still needed to pay anyways. 

She then faxed a letter ( i Have copy ) saying they are going to file suit against a company that no longer exists and is in bankruptcy protection. Sent it back stating this but i fell this wont be the last i hear from her
I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
USAA has negligently refused to credit an unauthorized charge and told me over and over again that the account was correct. This has been going on for over 2 months. Today after being transferred over and over again I was finally able to walk someone through the error and they agreed but did n't know what to do. I am reporting negligence and gross incompetence of the USAA credit card company. Oh and after 2 hours on the phone with them trying to get it resolved they hung up. More incompetence and discourteous. Account has still not been corrected. Please point me to where I can receive e help in resolving this issues and do n't point me to XXXX because they are incompetent!! behavior.
My office has been getting calls repeatedly from Transworld Systems regarding debt and Garnishment of wages, for a debt XXXX. They have been told, that this is not me, they have faxed garnishment paperwork, when I called in on it I was told if it was not me I could disregard the paperwork. I continue to get calls at the office regarding this issue. It is clear with the information they have available that someone did a quick XXXX search of the debtors name and took down the information that came up, that is why they only have my name and office number and address only. I work hard to keep my business up on XXXX search results. I informed Transworld Systems that the address listed under the debtor information was not mine, that I have not lived in XXXX and the last XXXX of the SSN on the account file number was not mine. I have never gone to school XXXX. I am also sure that the middle name of the debtor is not mine although I was not able to get this information, and was hesitant to give them mine as I was unsure if they would just plug it into the information blanks that they apparently had. Either way, I have asked them not to call, and I have told them I am not the individual they are looking for. Yet they seem to be making no effort to find the correct individual and attempt to garnish my wages, with information regarding another person who happens to share my first, last name and middle initial. I have never even been to XXXX other than a layover.
My {$1000.00} bank deposit was misdirected. 
Overdraft Protection was not established as I requestedfor my Checking Account. It was posted as {$10.00} anddeposited into my XXXX child 's Savings Account, and the error wasnot found for over a week. This resulted in subsequent overdraftcharges totaling {$860.00}, and SunTrust Bank has refused to giveme a complete refund. I received only a partial refund of overdraftcharges, though I spoke with the Manager, XXXX XXXX and the Area Supervisor. 
I want a complete refund of the {$860.00}, and the bank has refusedto do so. I called the FDIC and they directed me to ConsumerFinance Protection Bureau. I am the niece of a former XXXX, and have been trying to get this resolved forFIVE MONTHS.
CNAC Car finance company calling outside designated hours and are calling while I 'm at work, which I have asked them not to do and they do not listen.
Called Barclay Bank when I saw a hard inquiry on credit report. The report said they checked my credit report on XXXX 2017. When I called they said they had no record of checking my report and told me to dispute it.
I have tried multiple times, with no success, to get validation of a debt being reported on my XXXX  and TransUnion reports. I have contacted XXXX, TransUnion and XXXX XXXX XXXX for validation, however, the only thing I continue to receive are updates to my disputes that the account has been verified and updated. I have yet to receive documentation, as requested from either party. I 'vebeen trying for two months now with no success. I 've sent US Certified Mail to all three parties on  multiple occasions. In addition to me trying to get these two accounts being reported by XXXX XXXX XXXX deleted from my credit report, there has been a third account added to my report, with an open date of XX/XX/XXXX that was not on my report prior to XX/XX/XXXX. I am not sure why this account was added to my report. The account numbers are # XXXX in the amount of {$1900.00}, # XXXX in the amount of {$500.00} and the third account # XXXX in the amount of {$2400.00}, which is the total amount of the two previous accounts added together. XXXX XXXX XXXX added a third account to my credit report combining the two totals from the previous accounts and now, it is showing that I have three outstanding accounts with this company. Not only has XX/XX/XXXX, TransUnion and XXXX XXXX XXXX failed to provide me with written documentation as to the validity of this debt, they have also not provided me with documentation as to how they went about verifying the debt. I do not believe that the debt can be validated and am asking that all three negative entries be deleted from my credit reports immediately. Finally, I checked the North Carolina Department of Insurance website to see if XXXX XXXX XXXX had the permits to collect on this debt and they do not.
THE COMPANY CONTINENTAL FINANCE THAT GIVES CREDIT CARDS CHARGED ME A XXXX A YEAR AGO. I 'VE PAID ON TIME EVERY MONTH, I JUST SENT XXXX AND THEY DID ALL KINDS OF XXXX CHARGES TO KEEP MY BALANCE HIGH. MEMBERSHIP ETC ALL KINDS OF CHARGES ( THEY ALSO KEEP A XXXX FROM PEOPLE SAYING IT GOES AGAINST THE BALANCE OWED IF CANCELLED, BUT REMAINS TILL PAID OR CANCELLED, MOST COMPANY 'S CREDIT YOUR DEPOSIT
I had an XXXX loan with XXXX XXXX XXXX. The loan matured in XXXX of XXXX. I paid loan off in XXXX. Between XXXX thru XXXX they reported me 60 days late. Remind you I paid in XXXX. I was paying on the late fees which was around XXXX. The actual XXXX of the vehicle was paid and all I had left were the late fees. I spoke to customer service in XXXX of XXXX and they had advised me that once the actual loan is paid and XXXX I have left are the late fees to pay, I can just start making any payment towards the fees and not the regular monthly payments which was XXXX} a month. And can pay on any date and not on the XXXX of every month which that was when payments were due. So I was paying a little bit at a time and eventually paid it off!!! They keep reporting me late and ruined my credit. Shows 60 days late. Account is closed and I even got my car tittle. I was given the information by a representative in XXXX in regards to the fees. I was told I can pay whatever I can on any date. When I told them of that they investigated, found that I was correct and AGREED to correct the credit reports. Till this day they have NOT. 

They need to remove the 60 day deliquencies on ALL XXXX credit reporting agencies like they agreed to do. They are reporting inacurate information.
XXXX / EQUIFAX / XXXX XXXXALL THE MAJOR CONSUMER CREDIT REPORTING AGENCIES ARE REPORT FRAUD ACCOUNTS AND WILL NOT BLOCK OR REMOVE ITEMS AS OUTLINED BY LAW. PLEASE SEE ATTACHED DOCUMENTS AND POLICE REPORT ALONG WITH LETTERS FROM THE COMPANIES REPORTING NEGATIVE AND FRAUD ACCOUNTS. 
ALL ACCOUNTS REPORTED ON XXXX / EQUIFAX / XXXX XXXX SHOW FRAUD ACCOUNTS OPENED BY XXXX XXXX USING MY NAME / SS # / DL # AND XXXX XXXX XXXX XXXX BANKS ACCOUNTS THAT I 'VE BEEN EXONERATED OF ANY DEBT OR LIABILITY.
We deposited a check by mobile deposit. According to the written policy, we were allowed to deposit checks for up to {$7500.00} per day. The amount of the check was {$6900.00}. This was a payment from a commercial customer paying for electrical services. The bank put a hold on this check for 10 business days, which because of weekends and a holiday is almost 2 weeks. This has resulted in incredible hardship for our business as this is 2/3 of our monthly cash flow. According to our customer, the funds cleared their account within 24 hours. So the bank has been using our money for nearly 2 weeks. By phone, they said it was a computer generated hold and there is nothing they can do. The branch manager says they are powerless to change it. I do not believe that a hold on cleared funds can not be lifted.
I have submitted disputes to Equifax for over 2 years and also to CFPB only to have the same information continue to be reported wrong on my credit report and the results of my disputes not sent to me I can not access my report in anyway shape of form they will not correct the information and have been none complaint to my requests, there are 7 accounts with XXXX XXXX that should be only reported as closed paid in consolidation and the remarks removed. I have a positive consolidated account from XXXX that is not reporting wrong and I 'm not requesting a dispute. Also there are 8 accounts from the Department of Education reporting as included in bankruptcy which should only be reported as closed and paid. Student loans are not included in Bankruptcy I have contacted XXXX & the Department of education and they have continued to state they have n't been contacted by Equifax to verify the information. 

I have sent them proof of identity with my dispute and I have concerns about my information as they have had 2 published security breaches recently. 


Equifax has not provide me a copy of my report after at least XXXX disputes.
XXXX and XXXX XXXX applied for a reverse mortgage to help pay for escalating medical bills. They were granted a reverse mortgage but were not informed of the escalating interest charges through the years. They have borrowed on the equity of their home approximately {$40000.00}. they are being charged XXXX per month interest and now low {$200000.00} on the loan of {$40000.00}! This is predatory lending!
My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has XXXX digits different from mine. I submitted a dispute to Trans Union to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. 
I understand there is some rule used by the bureaus that if an address is on more than XXXX or XXXX items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to Trans Union and the ignored it.
I'm heir to my ex-wife estate she passed, we returned a new vehicle to the dealership we purchased it from, they mailed a agreed amount of XXXX the check was intercepted and cashed thus happened in XX/XX/2017 I just the other day got the dealership to get me a copy if the cashed check, I contacted the institution and they said that's between me and the auto dealership this conversation took place 2 days ago Please help
This company is representing the original creditor XXXX this is the first documentation that I have received of this alleged debt of {$920.00} I feel that I 'm not obligated to pay this debt being that it is not mine and I have received no correspondence at all regarding it I do not know when this debt occurred or why. I am a XXXX Customer wirelessly and residential if I had outstanding debt with XXXX in any aspect I would not be able to have service with them at all.
1.XX/XX/2015 I decided to pay off the entire outstanding balance on XXXX credit cards and since I was not using them, to have them cancelled. I called the toll-free number on each statement and so informed them and asked for the amount of the balance to pay off and close the accounts. The figures their customer service agent gave me were identical to the " New Balance Total '' shown on the current bill. I had set aside that amount to pay these bills and told the customer service agent to use the " Auto-Pay '' arrangement then in force and draw those amounts from my bank account ; and then to terminate the Auto-Pay arrangement. They withdrew the amounts ; the Auto-Pay was terminated ; and the cards cancelled. Later I began getting bills for additional interest or whatever and when I called to complain the customer service agent tried to explain something about their internal accounting or bookkeeping. I insisted that when I asked the question and was given the payoff figure ( which matched the last statement ) and I made that payment, that I would pay no more. Their letters and bills keep coming despite having reported all this by letters to both companies twice and repeated calls. But they keep sending demand letters and increasing the amounts on these " bills. '' I am semi-retired with little to no workingincome and set aside money to pay these bills off and close the credit card accounts. I believe that when their Customer Service Representative provides me with the number after my explanation, that I ought to be able to rely on that number, pay that amount, and be done with it. The credit card companies presumably have recordings of my telephone conversations which should confirm all that I say. No mention was ever made of any more money due than the amount they gave me, which sum was paid immediately while we were still on the phone. I relied on that conversation and the figures and should not have to be concerned with some internal accounting or bookkeeping they do in their office of which they never gave me any notice. ( Maybe they 'll find something in the " small print '' somewhere from years back! ) These credit card companies should change their procedure and tell their Customer Representatives how to explain their intentions to continue billing after payment in full when a customer like me calls. 

2. I would like both companies to cancel these bogus charges and stop sending me these threatening collection letters.
Two checks for repairs were issued by insurance company to customer. Both checks had customer 's name and repair facility 's name on them. Customer was allowed to cash both checks with only customer endorsement. Now customer refuses to pay balance owed to repair facility.