WillisBack/dataset-financial-user-claim huggingface dataset:
My wife lost her job last year and my youngest had some health problems so we have contacted Wells Fargo to make arrangement on XXXX half of our XXXX payment. We paid mortgage XXXX a month. We set up a plan for remaining {$800.00} with XXXX and XXXX payment and making XXXX payment on XX/XX/XXXX. XXXX XXXX was a holiday ( did n't realize that when we set up arraignment ) and when the payment did n't come out on the next business day I have called XXXX to find out what happened and made a payment online. Our payments were set up automatically to come out of our account I am not sure why this payment was n't set up this way. My wife got a job and we caught up with everything by XX/XX/XXXX. We thought everything was OK. We have started looking in to moving and I have visited my mortgage XXXX to see what we can get approved for. He told us we were late with mortgage and can not get a loan till at least XX/XX/XXXX and even then we need a good explanation to what happened. 
Wells Fargo has reported out payment 30 days late. We contacted them and explained the situation:1. they set up our payment on a holiday 2. our payment did n't come out automatically. Upon speaking with one of the loan officers there they told us that is clearly their fault because the payment arrangement are never set up for holiday and we were suppose to be told there wont be automatic withdrawal on that day. We were advised to file a dispute with WF which we did. We requested the late payment to be removed due to reasons above. We waited 30 days on the response and upon calling them they stated they have never received our dispute. I had a fax confirmation and after confronting them about it they told me I was given a wrong fax number. I re-faxed the dispute and I received answer from WF stating they did n't do anything wrong, they ca n't remove late payment and that they added a compliance condition code on my credit and they will not remove it until I I tell them I agree with their decision. I received another letter today explaining payment arraignment and how we did n't comply ; however they are omitting the fact that our payment was set up on a holiday and no one told us we have to physically make a payment. What they are stating is that we cancelled automatic withdrawals. If we knew that we would make a payment ahead of time. They also never notified us that the agreement was broken what would trigger us to call and find out what happened.
Is regarding ExperianXXXX has been reporting on my credit report ... this has been disputed with XXXX since XX/XX/XXXX. Talked with Experian that XXXX refuses to give me ANY back up ( original date/what this was for etc ... ) Contacted experian each month to dispute again this is an invalid debt. Experian will refuses to remove from my credit bureau.. due to the fact that XXXX sends back in the portal it is a valid debt. How can this be a valid debt if there is NO documentation to back up the debt. Experian stated they will NOT remove and there is nothing they can do and it will be removed from my report XX/XX/XXXX. This is unacceptable that Experian can continue to report negative Unverified information. Not sure how this is legal for the credit bureaus to report false information and side with a collection agency vs the consumer on a debt that is NOT validPlease advise the next steps.
I contacted Equifax on XX/XX/2018 to submit disputes on line. They said they would advise me of up dates and never did. Then when I tried to check the results it would not let me download. Then I tried to chat and call someone and can not get any help. They did not advise me of results within 30 days so these items should be taken off my credit report.
XX/XX/XXXX I, XXXX XXXX, mailed a letter to National Credit Adjusters stating all phones are to be terminated immediately along with a settlement offer as well. On XX/XX/XXXX at XXXX ( Saturday ) a phone number ( XXXX ) comes across my cell phone, I answered thinking it was a job interview. It was from National Credit Adjusters. I immediately hung up the phone and sent an email for them to terminate all phone calls immediately. I have proof of letter I sent in mail and also, email I sent them also.
EXPERIAN AND XXXX  ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with EXP and XXXX  who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by EXPERIAN AND XXXX  IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXXwhom I contacted they TOO stated in writing that they did NOT communicate with Experian or XXXX  about my file , they also sent request but did NOT hear from them- see attached proof. so this validation by EXPERIAN AND XXXX IS A LIE/ FRAUD 3 ) XXXX XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus EXPERIAN AND XXXX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... ''
on XX/XX/XXXX shortly before midnight my Ally Bank checking account had a charge posted to it - pending - for {$1800.00} from " XXXX XXXX '' in XXXX, XXXX. It completely wiped out the money in my account. I called Ally Bank immediately and told various representatives about the fraudulent charge. They said they could not help me until it was posted. I asked that they put a fraud alert on my account and cancel the card which the charge came through. They said they would handle both. On XX/XX/XXXX when I checked my account in the morning, the charge was gone. And my new debit card arrived yesterday XX/XX/XXXX. But a short while ago my account was charged again {$1800.00} by " XXXX XXXX '' in XXXX, XXXX! And it posted! I called Ally Bank and asked how this could have happened - I have a new card, there was supposed to be a fraud alert on my account - it was a charge from the exact same scammer! My account is now hundreds of dollars below zero and Ally Bank says it needs to investigate the matter and they do not know when I will get my money back! This never should have happened a second time! I need urgent help please. Thank you
The compliant is with XXXX XXXX XXXX a company that holds a second mortgage lien on our property. A chapter XXXX bankruptcy was filed in XX/XX/2009 which discharged both the first and second mortgages. We have continued to pay the first mortgage but not the second at the advice of our lawyer at the time of the bankruptcy. Neither the first or the second mortgage was reaffirmed. We have tried to work with Real Time through  XXXX XXXX and have offered Real Time a {$22000.00}. settlement to release the second lien. Real Time advised both myself and XXXX they would accept the {$22000.00}. and would send the contract to XXXX. The loan was changed from a HARP loan to a conventional loan and the home was appraised at XXXX. The current amount owed on the first is about XXXX and quicken was going to approve a loan of XXXX ( 80 % ) of the appraised value to pay off the first mortgage, pay closing costs and pay Real Time the XXXX. Real Time also stated they would be sending a contract to quicken to complete the loan. Real Time did not send the contract and now the Real Time rep states he did not agree to XXXX and now they are saying they want XXXX to release the lien. Neither XXXX or myself can do this and XXXX cancelled the loan. I discussed the matter with the XXXX Rep and she said they did tell her they were going to accept the XXXX settlement which is why XXXX proceeded with the conventional loan process. I believe a good faith offer was made to Real Time based on what I was able to do working with XXXX. Both XXXX and myself were told the offer was accepted and we have E-mails between XXXX and Myself stating they agreed to the offer. 
If the home 's value continues to appreciate and I keep making my mortgage payments so I believe it will, I believe Real Time will try and foreclose when they feel there is enough equity in the home to justify them Paying off the first. I believe they have acted in bad faith and failed to honor a verbal agreement which has caused severe stress on myself and wife and caused a loss of funds and many more work hours for XXXX XXXX  to try and complete a loan they had approved based on information they received from Real Time.
state laws changed in XX/XX/2017 regarding child support reporting and I have requested to have information removed from all three credit bureaus child support is not a contractual debt, no services or products were given and amounts are not determined as such and should be removed from credit files. All 3 bureaus refuse to remove account ; they are using a computer system to verify debt which is invalid I have receive documents from Dept of Human Services and Courts stating that they do not report public records to credit bureaus so if the information isn't getting verified from the source who or how is it getting verified. Along with Illinios DCFS  these account are invalid for same reason I do not have contract and these items do not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX
Cash Call Mortgage has consistently mishandled my monthly payments and not properly booked payments that I have made towards principal. As a result, my interest expense has been too high and my principal balance is too high.
On several occasions Chase Bank unfairly assessed and collected Overdraft Fees on certain Debit Card transactions. Account has been closed so electronic statements are unavailable.
FIDELITY PROPERTIES Account # XXXX I have XXXX unverified accounts from FIDELITY PROPERTIES. I had previously disputed this account. I have never done business withFIDELITY PROPERTIES Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt FIDELITY PROPERTIES and I believe it is a XXXX violation. I request thatFIDELITY PROPERTIES Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FIDELITY PROPERTIES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Numbers # XXXX
My original mortgage was with XXXX. In XXXX 2016, I was informed that my mortgage would be serviced by Nationstar Mortgage as of XXXX/XXXX/2016. I received an escrow shortgage statement from XXXX in XXXX stating what I owed for the escrow account. If I paid the {$530.00} in full, my mortgage would only increase to {$1600.00}. I paid the shortage in full. In XXXX I get a mortgage statement from Nationstar stating my new mortgage will be XXXX starting XXXX XXXX. I called XXXX and they confirmed the receipt of the escrow payment and confirmed my monthly payment is indeed {$1600.00}. I was also told I would get a new statement from Nationstar ( which I never rec 'd ) showing {$1600.00}. I made my XXXX XXXX payment for {$1700.00}. Today ( XXXX XXXX ) I get another statement from Nationstar telling me my monthly payment is now {$1700.00} I called Nationstar and spoke with representative XXXX and later her manager, XXXX XXXX. XXXX states they do not on file that the escrow amount has been paid. I explained that a check was mailed on XXXX XXXX for {$530.00} and XXXX confirmed on XXXX/XXXX/2016 that the payment was rec 'd and credited as of XXXX XXXX, 2016. Nationstar is claiming until they do a full account analysis, my mortgage payment is {$1700.00}. I was never notified that payment was not rec 'd ( because it was ) or that my mortgage would be increased. XXXX from Nationstar states they will review my account and will contact me in 30 days ( end of XXXX ) of their finding. I informed Nationstar that all future mortgage payments will be {$1600.00} until they put in writing why I should pay more. I then called XXXX and spoke with same rep I spoke with on XXXX XXXX, 2016, XXXX XXXX and she confirmed again that the escrow payment was posted XXXX XXXX and my new mortgage should be {$1600.00}.
I made 2 deposits on XX/XX/XXXX ( {$33000.00} and {$9200.00} ). I am a retailer at XXXX for at least 4 years. I have been making deposits ( amounts alway vary ) on the XX/XX/XXXX of each month for this entire time. Been a WELLS FARGO customer for almost 20 years. ( 2 of my cards say customer since XX/XX/XXXX ) To my very disappointing surprise I learned from XXXX at the XXXX XXXX branch on XXXX in XXXX XXXX XXXX that {$28000.00} is on hold till what could be until the XX/XX/XXXX. 11 days after its deposited!!! XXXX XXXX even called him to confirm the funds were there and as of this morning XX/XX/XXXX the funds are still not there. Totally wrong to do to an established customer. This is very irritating to me. Does WELLS really want me to move to another bank. Take a look at my account and see how much money I run thru there. 
Ive also left a message on XXXX XXXX phone at XXXX.
I was sent a collection notice by EOS CCA stating that I owed XXXX {$77.00} for a bill from years prior. I called both EOS and XXXX  for proof of such a bill and neither were able to supply me with documentation of what I was being charged for. The XXXX representative said they did not keep records after 2 years and were unable to provide me with the bill. I repeatedly called EOS for months requesting the documentation from XXXX and have yet to receive anything to this date. I will not pay a bill that can not be backed up by proof of service/no payment. Unfortunately, this has had a significant impact on my credit score as a result despite many attempts to resolve.
Problem with XXXX, XXXX, and Trans Union. There is a credit account with XXXX XXXX with Account Number XXXX. This Account says 'closed by credit grantor. ' I sent a dispute letter and two other letters disputing their actions. This account can not be mine because an account I had was resolved ( years ago. I do not evidence ) because fraud was detected. The company allowed someone else to use my card and the account was closed. I never had a card with {$3300.00} at any time. My complaint with the three agencies is ; they refused to give or produce information that was submit that made them place a negative mark on my credit report. In other words, XXXX gave the three companies information/documentation in which they believed this to be my account and the information give was true as to the account amount owed. They need to show that information or delete the false information. If, the company ( XXXX ) does not want to deal with this false information, why is the three agencies dealing with false information. At this point I am only asking for a deletion. This negative effect and affect needs to stop.
I am on the Public Service Loan Forgiveness ( PSLF ) program. I started working at a XXXX XXXX 15 years ago and received certification stating my employment qualified. Ive made over three years of on-time payments under Income-Based Repayment ( IBR ) plan so far which were more but I was not informed that my loan needed to be transferred to XXXX  until 4 years ago. I have submitted Employment Certification Form ( ECF ) in XX/XX/2018. Their acknowledgement letter stated that my employment qualified. However, my statements have stated 4 payments made go toward PSLF. I have called XXXX several times but they stated it would be updated which never was and we are approaching a year later with no correction. Also, I was not aware of the difference of loans from FFELP which I originally had vs. Direct loans. However this is something you wouldnt know unless you really study all the fine print of the loans and are financially savvy. All my loans came from the Federal Government so I thought they were all direct. The PSLF pamphlet I received 10 years ago stated that the eligible loan types as ANY Direct Loan Subsidized/Unsubsidized Stafford, Plus, Consolidation. My FFELP loans were listed as Stafford and Plus on loan description which led me to believe my Stafford and Plus loans were PSLF eligible. I also noticed that studentaid.ed.gov PSLF webpage recently added more clear paragraphs regarding FEELP vs. Direct loans. However, it wasnt as clear 10 years ago when I actually looked into PSFL which put me back 5 years. While I believe important letters like this should have been delivered in writing 10 years ago. I understand there are thousands of others in my same situation by reviewing complaints and the news. I also read about class action lawsuit. So I decided to look out for help as well. XXXX XXXX should have provided a written letter regarding non-PSLF qualifying loans upon receiving ECF, and their failure to do so misguided me into believing I was would qualify. I would like see if anyone can help me to correct the issue. Thank you!
someone I had known opened a loan in my name .. ive been contacting XXXX XXXX also known as east coast funding along with XXXX , for years about this account .. they had first put it on as east coast funding and removal date was XX/XX/XXXX then they changed their name to XXXX XXXX XXXX removed as east coast funding judgement then they changed there name at some put and changed the removal date to XX/XX/XXXX which I believe is fraud ... they then gave to another company XXXXXXXX XXXX XXXX.. which I went to court on XX/XX/XXXX and XXXX XXXXt judge vacated order and, judgement XXXX will not honor neither would XXXX XXXX ( rep XXXX ) .. I have been disputing this item for years along with notarized letter from the account holder.. please help me get rid of this account that is not mine I have good credit and its holding my credit back from being great .. thank you
Due to a potential bug on Bank of Americas website, {$1100.00} were debited from my bank account on XX/XX/XXXX to make a payment towards my credit card account, which now has a negative balance of - {$1000.00}. 

Bank of America customer care has been giving me a hard time to get my own money back and has caused a lot of inconvenience to me. On XX/XX/XXXX, after talking with customer care for 29 minutes & 4 seconds, I was told that Id have to wait for XXXX business days before Bank of America would initiate a refund for {$1100.00}, which were automatically debited from my connected bank account. Obviously itd take a few more days for that amount to actually reach my bank account! 

On XX/XX/XXXX, I had made a purchase of {$1100.00} using my Bank of America credit card, which was in pending state, and didnt post, as the purchase wasnt finalized. The purchase details disappeared from the Bank of America website on XX/XX/XXXX, and instead, Bank of America debited my linked bank account for {$1100.00}, probably due to a bug in its online system! I requested several Bank of America customer care executives to report this bug, as it can possibly be reproduced by emulating such a ( unfinalized ) purchase. 
As of today ( XX/XX/XXXX ), Bank of America has temporarily disabled transactions on my credit card, and I wasnt even notified! So, first they withdrew funds from my bank account without my permission, and then they froze my credit card. After talking to Bank of America customer carXXXX on XX/XX/XXXX for XXXX minutes & 56 seconds, I was told that I cant make purchases using my credit card due to a huge negative balance, and they cant initiate a refund that amount to me before XX/XX/XXXX. 

Since Ive been asked to submit copies of my bank account statements to United States Citizenship & Immigration Services ( a federal government agency ) by XX/XX/XXXX, this mistake by Bank of America,  and its subsequent reluctance to acknowledge its mistake, has not only wasted a lot of my time, but has also caused other sorts of trouble for me.
XXXX accepted multiple accounts opened in my name by indetity theft. my name is XXXX and it was opened under " XXXX - a clear indicator this was not me. I have all the paperwork and police reports dating back to XX/XX/2012 when this started, however XXXX still has these accounts in collections which is effecting my credit. please help, how can i resolve? Can i send this paperwork for you to review? i can not reach anyone at collections agency to help me get this removed from my report
My attorney ( who was authorized by me ) submitted a request for a Mortgage payoff statement 2 weeks ago to Seterus Inc. She was told it could take 7-10 business days. She followed up several times during that period and was told that it was still within the acceptable window and that the statement was being processed. She was given information during that time frame that she should not have received if she was authorized by me to do so. I followed up today and was informed that she was never truly authorized and that it will take an additional 7-10 business days. Neither me nor my attorney was informed of this. Quite the opposite, we were told everything was within standard procedure. Now, instead of being able to close I may not be able to sell this house. A process that most companies can do in a couple of hours take Seterus a month. They are holding on to the money as long as possible to try and make as much as they can off of the interest, meanwhile I am in jeopardy of being financially ruined. They told me they have the ability to escalate this request, but refuse to do so. Their underhanded business practices and complete lack of compassion and even human decency is appalling.
I have been filing for income driven repayments for several years. Each year on the application I check the box for Navient to pick the best plan for me. I have had a zero repayment for a few years now because I have had no taxable income during that time. After doing research on the options available and looking at my loans online I was shocked to find that I was not in the IDR plan that provided the most benefit to me. Currently they have me enrolled in the IBR plan and for the last couple of years I have qualified for the REPAYE Plan. Under REPAYE I would have received a credit for 50 % of the unpaid interest due on my qualified loans each year. This would have saved me $ 1000s each year on my student loans. I contacted Navient about this, verified with them that I qualified for this plan and they told me to submit the request to have this switched online. I filled out all the paperwork, paid the {$5.00} charge, had my loans switched to forbearance during the approval window and today received a letter saying I was rejected because I was outside of the application timeframe. 

I have qualified for this plan for almost 3 years. The plan would cut my accrued interest each year by 50 % and save me $ 1,000s of dollars per year and $ 10,000s over the life of the loan. Navient was given approval by me to pick the best IDR repayment option for me and they failed to do this. I informed them of this error, took the necessary steps to fix this going forward, verified I qualified, followed their instructions step by step and was still not put in the best plan for me. I have also noticed that during this process they have removed the .25 % interest reduction I had for being set on autopay. So now not only am I on a more costly plan they have raised the rate I am paying on these loans.
My issue with the Transition is unauthorized inquiries added. 
Their costumer service would not help and take care of the negative inquiries reporting on my credit report. Please help me ... Thank you