WillisBack/dataset-financial-user-claim huggingface dataset:
My problem is with Wells Fargo who is the bank for my FHA mortgage loan. I was out of work due to layoffs and tried to get them to work with me on a modification. They lose my papers many times and will not let me work with a XXXX speaker. Finally after many times they tell me I am approved for a trial modification. I make my trial payments but then I never receive a permanent plan. I try to make my payment and they will not take it. I try to find out what happened and get no answers. I ask for XXXX speaker so I can know what is happening but they won't give me one. I keep trying to get help but they ignore me and start me to foreclosure. I have good job at XXXX for last 20 years and my son lives with me and works also and helps. We also have a rental unit and my mother helps with her SSI. We can afford to make a mortgage payment, but Wells will not let me go through review for the FHA help programs for homeowners. 

I buy my home in XX/XX/XXXX and then go into an FHA refinance with Wells Fargo in XX/XX/XXXX. That was during the recession and I lose my job for a while and things are very hard. I have a rental unit but that was vacant at the time and also my son who helps me now was not working. So I missed some payments then I began trying to get help with a modification or partial claim or forbearance plan. I apply many times and they lose my paperwork and tell me they did not receive the information. Then later they say I don't make enough money to get help. When I try to find out more or get a XXXX speaker I get no help or explanation. Finally I apply and Wells finish the review and approve me for a trial modification. I make the payments on time and wait for the permanent plan. But this never comes. I try to call Wells to find out what the problem is and once again I can't talk to a XXXX speaker. I get no good answers because I made the trial payments on time but then I don't get permanent. 

I have lived in my house for 13 years and have a good job working at the XXXX and I have my son living with me and contributing plus money from my mother 's SSI and rental income. I have enough money to make a mortgage payment but Wells will not take money from me unless I pay all missed payments. I want a plan or modification so I can get caught up on my missed payments and start fixing this problem. I feel like I am being ignored by Wells Fargo and that they want to foreclose on me instead of help me or work with me.
Yes I open this account XX/XX/2008, my card was fraudulent use in another state that thus credit card company, contacted me that my card had fraudlent activity. so capital one closed my account. and i agreed to pay my part where i had made purchased, on this card.and i conitued to pay what i owed. then capital one raised my interest rates. on what i had used my card. i have been paying my account everymonth as i should. last month capital one charge me a annual fee on this closed account. this was just a slap in my face by this company. i seek a attorney. and was told this was agaist the law. this account has made my life and credit upside down, I was told also that i was being charge for a XXXX dollars cash advancement. over 10 years. the capitalone crdit card company has continued to charge my account now for over 10 years. this is ridiculous. can youplease help me.
On XXXX/XXXX/XXXX, I faxed, mailed and emailed a letter to Wells Fargo stating that XXXX XXXX XXXX no longer has my permission to  take automatic debit payments from my bank account. I notified XXXX XXXX XXXX as well. On XXXX/XXXX/XXXX, I received a letter from Wells Fargo advising me that a stop payment was placed on my account. On XXXX/XXXX/XXXX, an electronic payment was sent to XXXX XXXX XXXX. I contacted Wells Fargo and was advised my a customer service representative that the company ID matched the stop payment and that I would be credited the full amount the following moring. I asked them to close my account and open a new account to prevent any future problems. The representative helped me open the new account via phone but failed to close my original account. The representative also took it upon himself to file a claim on my behalf regarding the unauthorized payment to XXXX XXXX XXXX. I was told that this claim was denied due to the dates that I provided on the claim. I did n't give any dates what so ever as I was not even aware that a claim had been filed. To date, the account still has not been closed despite my many requests to close it. Not only was I not reimbursed for the unauthorized payment to XXXX XXXX XXXX but a second unauthorized payment went through on XXXX/XXXX/XXXX. I was charged overdraft fees for both of these transactions as well as a couple of other transactions that went through due to the account not being closed. As of today, my account has a negative balance of {$200.00} due to these unauthorized charges and fees. If the account were closed as I originally requested on XXXX/XXXX/XXXX, it would have a balance of {$0.00}. I would appreciate if was reimbursed for the unauthorized payments and my account were closed as requested. I will no longer be banking through Wells Fargo.
I RECEIVE A CITI SIMPLICITY MASTERCARD PRE-SELECTED APPLICATION AND APPLY XX/XX/XXXX. I RECEIVED A DENIAL LETTER XX/XX/XXXX STATING THAT THEY RECEIVE INFORMATION FROM XXXX THAT HELP THEM WITH THEIR DECISION. I CHECK WITH THE CREDIT BUREAU BECAUSE I HAD NO NEGATIVE INFORMATION IN MY CREDIT FILE THAT I KNEW OF AND THEY CONFIRM THERE WAS NO NEGATIVE INFORMATION. I CONTACTED CITI AND THEY WAS UNABLE TO FIND ANYTHING SO THEY SWITCH ME TO THE COLLECTION DEPARTMENT AND I SPOKE WITH XXXX. HE WAS UNABLE TO FIND ANYTHING RIGHT AWAY AND CALL ME BACK STATING THAT HE FOUND I HAD A CITI CARD XX/XX/XXXX AND IT HAD BEEN IN A BANKRUPTCY IN XXXX. I TOLD HIM I HAD NO KNOWLEDGE OF THAT AND IF HE COULD SEND ME THE CREDIT CARD APPLICATION BEARING MY SIGNATURE AND INFORMATION AND A COPY OF THE BANKRUPTCY PAPERS. HE LATER STATED HE DID NOT HAVE THE INFORMATION DUE TO THE AGE OF IT. I ASK HIM SO YOU CAN TELL ME THIS IS WHY YOU DENIED ME BUT CA N'T GIVE ME PROOF. HE STATED HE WOULD TRY AND LOOK FOR IT AND GET BACK WITH ME. AFTER A COUPLE OF WEEKS HE SENT ME A LETTER STATING THAT THIS WAS NOT A FRAUDULENTLY ACCOUNT THAT THE ACCOUNT WAS INCLUDED IN A BANKRUPTCY DATED XX/XX/XXXX AND THEY HAVE COMPLETED THEIR INVESTIGATION AND THAT THIS FILE IS NOW CLOSED.
On XX/XX/18, I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ), the complaint number is XXXX. 

On XX/XX/18, I received an email from the CFPB advising Experian responded stating they were working on the issue. 

On XX/XX/18, I received confusing correspondence from Experian ( attachment # 6 ) ; the document does not address the issue raised in Complaint # XXXX. 

As XX/XX/18, my Experian generated report reflects the same issues noted in the original complaint submitted on XX/XX/18 ( attachment # 7 ).
Capital one bank refuses to remove fraudulent inquiries related to an identity theft, that were not authorized by me there are multiple inquiries on my XXXX and XXXX XXXX credit reports.
When I opened my checking account I made it clear I did not want overdraft protection, and that the bank should decline charges if there is insufficient funds. Well on XXXX/XXXX/16 by account had insufficient funds, and I was charged an overdraft fee 4 times. Also I was not notified that my account was overdrawn until XXXX/XXXX/16 in my opinion this was as deliberate attempt to collect for fees.
On XX/XX/XXXX I received an email from XXXX XXXX ( NMLS ID : XXXX ) at Bank of America with a Closing Worksheet for a XXXX XXXX with 5 % down and no mortgage insurance. On XX/XX/XXXX I received a pre-qualification letter from XXXX for the XXXX XXXX which I used to make an offer on a house. 

After noticing some discrepancies during the closing procedure I made multiple calls and emails to ask why the loan terms had changed but XXXX did not answer. I finally was able to speak to his supervisor, XXXX XXXX ( NMLS ID : XXXX ) who wrote on XX/XX/XXXX : " When you and XXXX initially spoke he did indeed quote you our XXXX XXXX. Unfortunately, the problem with this is that our XXXX XXXX does not allow for a 5 % down payment. It would require a minimum down on 10 %. We should not have sent out that initial worksheet to you as that option on the program is ineligible '' I stated that the 5 % XXXX XXXX information was on publicly available websites and asked why it was being rescinded after I'd used their documentation to make an offer on a home. They stated that it was due to a " soft Housing market in XXXX '' but could not provide written rules about that new regulations. Other mortgage companies in XXXX informed me that it was not a soft market. 

I began looking into options to borrow money to make this higher down payment amount and was told by XXXX XXXX on XX/XX/XXXX that they also needed me to supply more information about my mode of practice so that the underwriter could confirm my eligibility as a XXXX. I stated that I was a fully licensed XXXX XXXX XXXX and employed as XXXX XXXX. They said that they needed to confirm that I was seeing patients. I stated that I was seeing patients and again asked for written documentation of these additional rules and inquired if they required proof of number of hours of patient care from other applicants. I did not receive a reply from that email ( sent over 2 weeks ago ). 

I have uploaded the loan documents but also have copies of all of the emails to provide.
On XXXX XXXX 2016 Rise Credit kept calling my number 6 times in one day after I have ask them to not to contact me by phone and they never left a message.
I had a car a few years ago that was " totaled '' in a car accident. The insurance did pay it off and I owed one month of late fees because it took the insurance company a while to pay it off and a balance of {$110.00} - I paid the company {$210.00} because of a bill they had sent which was incorrect so the account was actually {$100.00} overpaid. The company reported it as a repo. I finally managed to get it corrected after multiple calls to the company and disputes with the credit reporting agencies. but they reported a balance of {$900.00} which they are still reporting several years later and never sent the over payment of {$100.00} back. I have spent multiple hours trying to get this corrected and now they say that it is the balance due. I am at a loss of what to do now. I have been dealing with this for years.
Personal Identity have been compromised. Security of my personal SSN, Mailing address, Date of Birth, Full Name was Breached. Was not notified of Security breach. Had to discover security breach on later date. Company only able to offer automated voice message as a response.
My Wells Fargo checking account, on XXXX separate occasions was incorrectly managed. Each time my balance in the account was about {$50.00} less than it should have been. It appears that purchased was put in pending status, and the amount deducted from my balance. Then about XXXX days later those purchased were deducted again and placed in posted status. Each time I called Wells Fargo and spoke with customer service regarding this error. Each time I was told that that could not have happened ; that the items in question would have to had been credited back to my account and only deducted once. Some of these transactions resulted in overdraft fees having been charged. In short, I am out of about {$250.00} due to Wells Fargo 'bad ' accounting. I am closing the checking account ASAP. Is there a way I can be refunded the {$250.00} dollars. I have no documents to attach since the day the transactions that are deducted twice or placed in pending with a certain date ( and that is the date I use to deduct from my balance in my checkbook ), then those transactions are again placed in 'posted ' XXXX or so days later with another date. So the transactions do n't appear XXXX on the statement, the date are just changed. Exampled : Pending XXXX/XXXX/16 and deducted from balance, then days later Posted with a date of XXXX/XXXX/16. But, the transactions were deducted twice!
STELLAR RECOVERY/XXXX has consistently troubled me over a debt of reported {$860.00} that I do not owe or have any prior knowledge of, as I 've never had any contract communications account with XXXX before. Their deliberate infusion of this account on my credit profile is impeding on my ability to currently obtain any credit. 

STELLAR RECOVERY must delete erroneous information from my credit report with deliberate speed. 

Thank you!
I looked at my credit report and there is a mixed file. They merged my credit report with my dad credit report. I wanted to separate it out.
Equifax has mishandled my information, likely through the employment of inadequate security procedures related to the sensitivity of the information it possesses. It has demonstrated itself incapable of deploying proper security measures, through the further discovery of the use non-random pin numbers for freezing credit histories. 

I was not directly notified by the company, in spite of the fact the company possesses the contact information required to make notification. 

I must now take affirmative steps, at my own cost, to mitigate the damage caused by the negligent mishandling of my most personal financial and identity information. This is a burden on my time and my financial resources, and should not be my cost to bear. 

I encourage CFPB to take all steps necessary to require Equifax to provide credit monitoring and secure credit freezing/thawing services to me at no cost. 

In the long term, I encourage CFPB to be a more active voice in encouraging the reduction and replacement of the use of social security information in regular consumer transactions. It is well past time to decouple this information from use in minor business transactions.
My tax return was has been garnished twice for a total of about XXXX dollars for a debt from 2007. Last month, XXXX XXXX incorporated sent me notification stating I owed them XXXX, I called and asked them why I have not once received notification prior to this latest letter regarding the debt, they stated they send one out annually. I 'm blown away that they can double the debt and collect on something over 10 years old and never send me anything stating I owe them money. The debt does not show on my credit report either.
Collection agency attempting to collect on an alleged debt without first providing written verification proof of alleged debt. In fact, I have proof that this same agency deleted this collection entry from my XXXX credit report on or about XX/X/16 after I filed a dispute.
XXXX XXXX, 2018 Talked to supervisor at Professional Adjustment Bureau of Mid-America Inc. who continued to threaten legal action if 10% of debt was not paid immediately. ($XXXX total) I have continued open communication to make notes in the account and arrangements to knock down the total debt until tax returns could pay off balance in full. I made a $XXXX initially and then another $XXXX before XXXX. When I called to make a large substantial payment today (X/X/2018), the associates continued to threaten legal action if I could not come up with 10% ($XXXX) of the money and continue to make $XXXX auto withdraw each month after. I am tired of being mistreated and disrespected, with condescending remarks and being talked down to in a threatening manner. Collections can play by a different set of rules, but not outside the bounds of the law. They prey on the weak and vulnerable using dirty collection business tactics. You can not threaten legal action and use that threat to extort money in order to keep a case or account in your office so credit score and legalities are not effected. You can clearly hear the evidence in the recording of the conversation I have provided.
I took out a loan with XXXX in XXXX for {$3000.00}, I have paid {$1600.00} in payments since and they say my balance is {$2400.00}. They say I am delinquent and they are going to take legal action against me if I dont pay in XXXX days. I got a statement in the mail from XXXX that is dated XXXX/XXXX/XXXX and it says I owe {$130.00} on XXXX/XXXX/XXXX. When I told the XXXX person on the phone about this they said they just send those out they dont really know if you have paid or not. I just paid {$220.00} on XXXX/XXXX/XXXX. They never give you your balance unless you ask for it and when you say why can you see your statements online or your balance they say it is under construction. Is this loan legal in Virginia? If it is why?
I recently pulled my credit report and to my amazement, saw that you recently have decided to report me 30 days late on my XXXX account in XX/XX/2018. I have previous credit reports from both agencies pulled in XX/XX/2018, and neither one of these reports show me late in XX/XX/2018. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I contacted your company and talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my XXXX  dispute and my TransUnion dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
I had a XXXX XXXX business card through Costco that was switched to Citibank this summer ( 2016 ). I received a letter alerting me of the switch ( sometime in XXXX? ) but never received a new card from Citibank or any other statements/notifications. In XXXX, I was contacted by XXXX, XXXX and XXXX who alerted me to a balance owed on the Citibank card. I had forgotten about a purchase during the transition and as soon as I was contacted paid the balance in full minus the fees from Citibank. I contacted Citibank to inquire why no card or statements had been sent to me and to ask for forgiveness regarding the fess considering the situation. I was informed that indeed no card or statements had been sent yet Citibank confirmed that they had all my current information. I faxed a letter of dispute to Citibank XXXX/XXXX/16 and followed up XXXX/XXXX/16 and was told they had not received my letter. I re-faxed XXXX/XXXX/16 and did not hear any response until I called Citibank XXXX/XXXX/16. I was then told my dispute had been denied and I owed a total of {$100.00} for late and interest fees. It took several calls and transfers to finally find someone who could help me as I was told multiple times I no longer had an account, nor could they find my account. Further, I have been denied knowledge of my account number making it very difficult and cumbersome to access my account each time I call. I am disappointed that Citibank had many opportunities to mail, email, or call me regarding my balance but instead sent me to collections. Because of this I feel the late and interest fees accrued should be removed. I have been informed that the account is now closed and the dispute team is the division that has the power to remove my charges. I have been denied by my first attempt and am sending in another fax today, XXXX/XXXX/16 to have it reviewed once again. Before this issue, I never missed a credit card payment to XXXX XXXX ( or other credit cards as well ). When I spoke with the collections representative she stated that many, many CostcoXXXX customers were experiencing the same situation as myself. Thank you.
Received a notice from these crooks at Portfolio Recovery Associates. They said they "bought" a debt from XXXX {South Dakota} XXXX XXXX for $XXXX, Account number XXXX> First, I don't know what the hell they are talking about, Second, if this was a very old debt ,it was discharged many years ago in chapter XXXX   br. In any case, this is a group of crooks is working together to try to steal from a senior citizen. To Contact XXXX, call . XXXX XXXX XXXX. fot the Portfolio folks, call XXXX XXXX XXXX XXXX.Looking for some help.
This company ( ERC XXXX XXXX XXXX, XXXX FL XXXX ) has threatened my credit rating, by assigning this debt to me without any proof, and no prior notice. This is not my debt. This is just an illegal attempt or scam to see if I would pay it.
Our business received an e-mail from PayPal today, XX/XX/18, stating that after investigation our account has been limited permanently and all funds will be held for 180 days. We are not to do business with them and we are to remove paypal from all of our selling sources. The reason given in the email was that we violated the acceptable use policy. In reading the acceptable use policy again we found that we did not violate any policy as all of our sales come from XXXX and XXXX does not authorize any illegal activity. We called PayPal and spoke with a representative that could not give us a reason as he stated it was above his pay grade as well as his managers pay grade and the people I need to speak with do not answer phone calls but I needed to email XXXX to which I did. I have yet to receive a response as to the reason or the violation we did. Our funds are now being held and we have no reason from PayPal as to why.
I HAVE DISPUTED THIS ACCOUNT AND YOU HAVE FAILED TO PROVIDE VALIDATION AS REQUIRE BY ( FDCPA ) SUB SECTION 809, WHICH REQUIRES YOU TO SEND A VALIDATION LETTER AND DOCUMENTATION TO SUPPORT YOUR CLAIM, ORIGANAL CREDITORS NAME, ADDRESS, AMOUNT CLAIM TO BE OWED AND SIGNED DOCUMENT, OR AGREEMENT, OR CONTRACT, I SEND THIS COMPLAINT WITH ATTACHED LETTER AS AGAIN ANOTHER DIRECT DISPUTE AND FINAL DISPUTE BEFORE FILLING SUIT.
I 'm late on my bill. My husband got laid off I have spoke with someone and told them and I would call back whenever it was 15 days past due and they still are calling me every 30 minutes to an hour I finally answered the phone and told them I already spoke with someone and told them well the little guy was rude after that and I hung up. This is starting to wake me up in the mornings and it 's becoming a very big aggravation to me and my family.
Re : I. C. Systems In XX/XX/XXXXI accessed my credit report to discover a Collection was on the report from a supposed medical bill from XX/XX/XXXX, as of which I received zero communication of the debt in 5 years.

I contacted I. C. Systems in XX/XX/XXXXand the representative indicated an attempt to contact me three times in the year XX/XX/XXXX were made via phone ; however, no logs exist on my phone records showing the company attempted to contact me four years ago. There is not a record of them attempting to contact me since.

I do not believe this debt is mine. I sent I. C. Systems a letter explaining in XX/XX/XXXX. I received zero communication until three months later in XX/XX/XXXX stating they still believed the debt was mine.

I have provided sufficient evidence the debt is not mine. In addition, I have received minimal to zero communication of this debt over the last five years.
Unable to reach this company. Reporting a debt on my Credit Report. Had Bankruptcy in 2010. Would like them to validate the debt or remove the negative item from my CR report.
I have been informed through Equifax that my personal information was part of the hack that accorded in XX/XX/2017. It seems that I was part of those who were most affected by having my name, address, SSN, and Credit Card information hacked and totally compromised. So far I have n't been made aware of any identity theft against me, but I appear to be most at risk.