WillisBack/dataset-financial-user-claim huggingface dataset:
This company has taken me to court and placed a judgment on my credit.The company name is XXXX ( XXXX ). I did obtain a credit card with this company, and had a debt with them years back. I purchased an additional plan with this card in the event where if I was unable to pay I would be protected. The charge purchased items on this card came to about a little over XXXX. My payments were XXXX dollars a month, and it did n't seem like the payments was going down. There were a period where things got behind. so then I began to use the plan that I purchased where it only benefit was for me to only pay half of XXXX dollars a month. Again no monies toward the principal. Making payments toward nothing seem like a trap you ca n't get out of. The worse feeling you can ever have, so when I stopped making the payments they filed an judgment in the XXXX county courts. I went to court and I agreed to only do XXXX dollars a month to their Attorney. ( XXXX ) that did n't work for me as well as I thought it would, so I loss track and contact to where and who to send payments. That is when they proceeded to garnish my check for a balance over! XXXX. the garnishment took about Three months to complete, And they have collected all of their money. the account is paid in full. It is still on my credit as an open account as well as a judgement. I do not think this company should continue to report this on my credit report after all I had to go through with them taking me to court and garnishing my payroll check for this extremely high rate credit card XXXX. My credit will never be the same for this mistake.
Hi on XX/XX/XXXX I made an XXXX orXXXX filler purchase and then after I was lied to by the cashier I then had to pay out of my pocket cash I'm mortified that I continue to be lied to for no reason complaint number XXXX person who took my complaint if number I believe XXXX If they reverse the numbers that's what they do but I wouldn't waste time lieing.. 
My card ends with XXXX This is a XXXX XXXX XXXX from social security the bank there with is commerica
I have contacted Experian on multiple occasions with regards to an unknown XXXX account reporting on my credit file. I have never opened an account with XXXX. Please have Experian remove this account from my credit file. I have informed Experian that I had been a victim of identity them and they continue to ignore my request to remove this account from my credit file. I need your assistance in getting this matter resolved once and for all.
Loan # XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.XXXXWells Fargo Home Mortgage in the past has sent me some Pick A Pay Loan Disclosures that change depending who at Wells Fargo Home Mortgage is working that day. Now I dont know which document is real and which one is fake or our both documents fake. Doing this to home owners is called robo signing.Wells Fargo Home Mortgage will not give me a update on the status of my Loan modification application. 
I feel not addressing my loan concerns is also a form of discrimintation why? 
Wells Fargo Home Mortgage has fabricated loan disclosures and now they are not sure which fabricated document to send in this complaint. 


I have made XXXX request to Wells Fargo Home Mortgage requesting copies of all original mortgage statements from the start of this loan because I do not have all copies of all my mortgage statements from the start of this loan. I need all copies of my original mortgage statements with the front and back copies disclosing all required disclosures in order to validate the debt and loan servings concerns. In a typed response Please do not skip this question. 


Are there in Corp Advance fees, Inspection fees, court fees legal fees, for this loan? If so on what dates? 

What is the status of my Loan Modification Application? 

Will you tell me what my loan option are? 

Who will be my single point of contact for my loan Modification? 

Please submit Name and address and phone of trustee/Investor for this loan for lending disclosures including fraud concerns. 

On what date did you receive my Loan Modification Application? 

Was my Loan Modification Application Approved or Rejected? 
Are their any Corp Advances fees on this account if yes please list amount and dates? 
I have not spoken to a Single Point of Contact will you assign me a new Single Point of Contact? 
Who is the trustee or investor for this loan? 
Please send me your Mortgage service agreement?
Transunion had deleted all items I had disputed. Then A month later they put all items back on my credit report XXXX and XXXX  I asked the company to delete the items and they did not they reinvesticated and added other items on my reports.
Collector said I owed a debt from XX/XX/2013 that does not ring a bell. I said sorry I can't pay. Im Not working and having financial problems. They keep harassing family members.
In the past 8 months, my account with Home Depot Citibank has been under a fraud investigation. I am at a loss of what to do as the claim has been denied and I was assured several times by your employees that this would be resolved. 
My first notification that I had ANY balance on my card after XX/XX/XXXX was on XX/XX/XXXX, when I received a phone call stating that my account was past due. I opened the account so that I could start a new business in XX/XX/XXXX, then I put the card away because the renovation was finished around XX/XX/XXXX. The gentleman on the phone instructed me to make a credit card fraud claim so I did. I waited until XX/XX/XXXX and never knew what happened but I did start to receive statements that said I had a negative balance. Then in XX/XX/XXXX, I received a bill again for over {$8000.00} in charges. I was very confused as I thought the matter had been resolved. I believe that because I had set up automated payments from my old bank account and had opened a new bank account in XX/XX/XXXX, that I didnt see that these payments were going through. I simply left a few hundred dollars in the account just in case but I did not close this account until XX/XX/XXXX. This is why I received the call about a late payment on XX/XX/XXXX. 
I spoke with someone again from the fraud department and he asked me submit more information, which I faxed on XX/XX/XXXX. I received several phone calls trying to collect payment and was told not to make a payment if I did not make the purchases. Now I have my account over due by more than 90 days and it is showing up on my credit report. 
I did not ever file a police report because I live in XXXX and the police have better things to do although I have tried. 
On XX/XX/XXXX after sending this letter to Citibank Executive Response Unit, they confirm that indeed I did not make these charges yet they refuse to resolve this matter as fraud unless I file a police report. 

If I remember correctly, my credit limit with them was {$5000.00} and someone charged over {$8000.00}. 
They also knew during the investigation that someone else had been using my card as well as making payments and never told me that they knew that information until now. 

The communication with Citibank fraud has been awful until I starting talking with XXXX XXXX on XX/XX/XXXX. 

Every time I received a phone call about making a payment because I was late, I was advised not to make the payment unless these were my charges. So now, I am over 90 days past due and I owe a bunch of late fees as well as a dip in my credit report of over 80 points.
/Ocwen is in violation of the XXXX guidelines. On XXXX/XXXX/XXXX I submitted an initial package requesting mortgage assistance including XXXX, tax returns, paystubs, rental leases, bank statements, hardship letter, XXXX, XXXX letter and utility bill.I received a letter from Ocwen dated XXXX/XXXX/XXXX acknowledging receipt of my request for assistance. On Tues. XXXX/XXXX/XXXX I spoke with XXXX id # XXXX at Ocwen and was informed that the file was complete, no documents were needed and file was in review. At that time I scheduled a telephone appointment with the single point of contact, XXXX XXXX, for Tues. XXXX/XXXX/XXXX at XXXX XXXX. She never called.On Mon. XXXX/XXXX/XXXX I spoke with XXXX id # XXXX and was told that I had been denied assistance on XXXX/XXXX/XXXX. I was told I was denied for HAMP Tier XXXX and Tier XXXX because Ocwen said that they did not receive the initial package before the deadline of XXXX/XXXX/XXXX which is a blatant lie as evidenced by the XXXX/XXXX/XXXX acknowledgement letter! Futhermore, the denial letter said I was denied an in house modification because " the financial information I provided indicated that I have the ability to pay using my income. " My gross monthly income, as verified by Ocwen, is {$3400.00}. My current XXXX payment is {$2300.00} which represents a front end debt to income ratio of 70 % which is the text book definition of immiment default!
I am a victim of identity theft. The fraudulent activity was investigated by law enforcement and was validated as identity theft/fraud. A XXXX XXXX XXXX account was first reported on my credit report on XX/XX/XXXX. I have submitted my police report repeatedly to Experian, and also to XXXX XXXX XXXX   proving that this account does not belong to me. Experian and XXXX XXXX XXXX  has repeatedly validated this account as belonging to me even with proof that it does not. Experian and XXXX XXXX XXXX recently updated this XXXX XXXX XXXX   account to my credit profile on XX/XX/XXXX as having a recent late payment when the account previously reported that it was charged off for the last four years. This is fraudulent reporting within itself. I am requesting that Experian remove this XXXX XXXX XXXX  account from my credit profile, as it does not belong to me. I am also requesting that the recently updated late payment be removed from my credit profile.
I refinanced my home with XXXX XXXX. 
Green tree asked for 2 months of interest as well as 2 months of mortgage insurance to close my loan. 

They had XXXX in my escrow account at the time. 

Asking XXXX to close a loan, when you really only need XXXX ( interest ) makes it almost impossible for someone to be able to get the cash together to close on a refinance. They actually try to trap you with them as your mortgage holder. 

They also told me ( despite the proof of wire xfer ) that they had not received my money on Friday from the escrow company. 

Paying ANY mortgage insurance upfront is unnecessary as they have a balance in the account and will not be paying any future MI on my behalf. It is just a ruse to be able to float my money. 

First rep said they would refund me in 5-7 business days. Another one said 14 business days. Now it is 30 business days. No one would give it to me in writing. 

How are they able to behave this way? 

Forwarding to them will be useless - they are useless and nasty on the phone. And they lie. 
in 30 days someone will respond and say " we are looking into your request '' in a generic, boilerplate letter, with no contact information other than the XXXX number where you get nasty people. 

Go ahead and submit to them. I have refinanced, and I will do my best to bring any legal action against them that I can. Worst loan servicer ... Ever ... Nasty, unscrupulous and they lie.
Money was deposited into my account unauthorized. It was reversed from my account per the bank representative and claims specialist. I waited 15 days to confirm if the money had been received they indicated to me they have not received a return payment from the bank. They asked for information from the bank showing proof it was returned. I called wellsfargo asking for a reference #, a transaction receipt, & or something tracking that the payment was returned. Wellsfargo denied giving me information to show proof the money was rejected & sent back to the payors. They have stolen {$1400.00} along with several other double charges on my account. Claim XXXX
In XX/XX/XXXX, i received a loan from GreenSky ( via XXXX XXXX ) to do work on my home. I approved a {$7500.00} loan at 9.99 %. I currently owe XXXX on this and been paying on it since XX/XX/XXXX. However, my monthly interest even when i over pay is still coming in at above {$55.00}. My normal payments are set at {$92.00}, so almost 2/3 of it is interest right of the bat. 

The company has not explained this well and I am confused by their billing practices.
This collector XXXX contacted my friend off of my XXXX! He was my old boss ... I Do not work anymore and i had his old info on my XXXX. He told me they called once before and said they were a debt collector .. They called him again and i was visiting. Ironic. So they stalked my XXXX and called my friend to contact me. Not only did they Embaress me, but she talked down to me, yelled at me and was down right demeaning! I have NEVER been talked to like that before. Like i was just scum. I didnt even get a chance to ask what the debt was for before she started yelling at me. I dont know what kind of business is aloud to treat people that way!! If she wanted money, that is most definitely not the way to go about it. To threaten, yell and intimidate and harass. Its awful!
I called XXXX XXXX XXXX at XXXX on XX/XX/XXXX and spoke with a representative in the XXXX. The purpose of my call was to ask the representative what date do I need to make a payment to save me the most in finance charges. The representative placed me on hold, and came back and said that if I pay on XX/XX/XXXX, I will be charged the least amount of finance charges. In XX/XX/XXXX I checked my account online and found that my finance charge was {$110.00}, which was nearly double what I am generally charged. I immediately called back customer service in the XXXX, and spoke with a representative who said that will not refund any finance charges and the most that they can do is apologize for the error. I asked for a supervisor, he said he doesn't have one. I insisted so he said he can transfer me to someone in his exact position. I asked her for her supervisor, she said she doesn't have a supervisor, and basically said the same thing that her coworker said. I called a number for the fraud division, and they advised me that I can call the main number and request a US representative Monday thru Friday. So today, I called and spoke with supervisor XXXX XXXX out of XXXX, TX who said that even though I was misadvised by a XXXX representative, they can not refund the amount of finance charges that I was misadvised on. She said, I need to refer to my contract.
On XXXX XXXX, Rushcard performed a so called update and stated that it would last for only a few hours. Unfortunately, the issue evolved into a much bigger problem leaving me without access to my funds or using my debit card for almost a week. I called Rushcard for a week straight and stayed on hold for over an hour with no resolution. I get paid on Fridays and my check did n't post until Saturday morning. Now my paycheck that I should 've received on Friday, XXXX, I would 've got paid again. However, today on Wednesday, XXXX, I still do n't have my funds on my card. My employer sent the deposit over and Rushcard has n't given me access to my funds.
On fixed income ( SSI ) sent in payments when due, received notices, and phone calls requesting more money due to late payments. They would not allow me to lower repayment amount nor alter my repayment date.
My husband lost his job in XXXX leaving my income as the only source for paying bills. It has become hard juggling rent, food, creditors and other debts. We contacted Capital One with our situation. With each month we are charged a late fee and over the limit fee. Each time we are told we must pay the minimum passed due amount, which has been difficult on our limited income. With fees mounting our monthly due is skyrocketing and growing out of control. We feel like even when he finds employment we will never be able to catch up and our credit will be ruined.
I have charges on my account that were fraudulently done. I have disputed the charges as fraud and have asked the XXXX XXXX to remove them from my account. They have a temporary credit then did a charge back months later. This authorized user was sent two cards of which one was not received. Cards were to be canceled per my conversation with XXXX XXXX. Unauthorized charges occurred after this date. I will not pay for charges I did not make nor authorize and need to be removed from my account at once.
I am filing a complaint on navient student loans servicing. They have reported a very old student loan being 60 days late which has never happened and has been reporting on my credit report late for the past 9 years. this needs to be resolved immediately.
This account needs to be deleted Immediately!! The company has sent me a letter stating it will be deleted and is still remaining on my credit report. Attached is the letter I received.
I asked for a loan modification for my mortgage with Wells Fargo because I could no longer meet my payment schedule. I asked for a 40 month loan extension and I did not seek forgiveness. I simply requested a longer schedule which would reduce my monthly payments and pay the full mortgage debt. For 10 months I have been run around. The length of the explanation is too long for this space and I am attaching another document that recaptures the myriad of problems.
On XX/XX/2018 2 unauthorized charges of {$100.00} were made at a XXXX gas station in XXXX Georgia. I have filed a claim and have not yet been issued a temporary credit 22 hours after filing the initial claim. I was advised by a chase representative that I should receive a credit within 12 hours after submitting the claim. I have spoken with 3 individuals, all of them telling me that they are sorry but they cant issue a credit until the charges show posted instead of pending. I have XXXX children and NO MONEY to feed them while waiting for my credit to post. I am disgusted by the way Chase is handling my account.
I was denied credit and I pulled my credit report. I found a collection had been added to my report that I had no knowledge of. I was never contacted before it was added to my credit report.
We were the sellers in a transaction where the Regions Bank Loan Officer provided preapproval letter. On Friday, XXXX XXXX, 2016, we received notification that the borrowers loan was approved. The purchase agreement called for a closing date on Friday, XXXX XXXX, 2016 - seven days later - and that the borrower was to be provided with a 'walk-thru ' 48 hours prior to the closing. On Saturday, XXXX XXXX, 2016, we entered into a lease agreement with a local apartment complex where we had to pay fees and prepay first months lease which totaled {$1200.00}. On Monday, XXXX XXXX, 2016, we received an email that the borrower could not complete the transaction pursuant to the contract since his down payment money was to be provided by a XXXX loan and he could not submit a request for the necessary funds until Friday, XXXX XXXX, 2016 -the day of closing. Regions Bank, in providing an approval for the loan for their borrower, did not have the capacity to do so since the bank had not verified the ability of the borrower to complete the transaction per contract dates and caused us to incur expenses based on the loan approval. We feel that Regions Bank did not act in good faith, provided false information to us as sellers, caused us to expend energy and money in complying with the contents of the contract. When Regions Bank was contacted regarding this matter and a claim of reimbursement for the apartment application fees, prepaid items and lease payment, the Bank responded that it would be investigated. However, contact with Regions Bank has gone unanswered and unresolved to our satisfaction. We would think that if a financial institution provides a preapproval letter for a potential borrower that sufficient research and due diligence would be performed to ensure that the borrower has the ability to meet the components of the contract and not cause the seller to incur undue expenses.
My credit card, which I only use for Credit purchases, wiped out my entire checking account by stealing the mony in my checking account fraudulently. I never gave anyone permission to take funds from my checking account - ever. It has cost me over {$1000.00} in bank overdrawn fees, {$400.00} in late fees from my other vendors that the money belonged too. My credit is ruined.
In XX/XX/XXXX three luxury cars were purchased without my consent, using my information as well as falsified documents. I reported the incident to the original lender and ( at personal expense ) had the vehicles that were purchased using my information returned to the dealership from which they were purchased on a flat bed truck. I explained the situation to the dealership owner and numerous staff members, none of whom assisted me. I filed a police report with the XXXX Police Department Economic Crimes Unit. I answered countless questions and spent hours on the phone talking to these banks daily. I have disputed these debts numerous times with all three credit bureaus and will continue to do so until the situation is resolved. One lender responded to the situation and forced the dealer to buy back the vehicle involved in their transaction, in XX/XX/XXXX. At this point in time the lenders have recovered the two remaining cars and have sold them at auction. They and their collection agencies have been harassing me since XX/XX/XXXX. I have made every attempt within reason to cooperate with the lenders, but the fact remains that the lenders continue to make my life difficult. Not only has this incident ruined my credit, but I have spent countless hours on phone calls that happen, at all hours of the day. I have gotten calls as early as XXXX and as late as XXXX. The lenders ( XXXX XXXX XXXX XXXX XXXXXXXX in particular ) have searched my XXXX  account, contacted me at work, spoken to my employees, and even to my clients. Not to be outdone, XXXX XXXX 's collection agency has not been any better. They recently somehow found out I was working as a XXXX  at a local XXXX XXXX XXXX and called the store, asking one of my employees, an XXXX year old girl, if she knew anything about the situation. I was SHOCKED. On my most recent conversation with XXXX XXXX 's collection agency, after being harassed for nearly two years, I explained my story once again, I explain the financial difficulty identity theft has put me through and I asked if, in the interest of putting this behind me and removing the stain from my credit report so that I could afford to go to XXXX  school, they would consider removing this debt from my name if I gave the the little money I did have saved as payment in full for the fraudulent debt, along with my tax returns, the police report information I filed, and bank account statements to validate my story to them. I was told that I would hear back from the representative the following day. I received a phone call from a man who claimed to be his manager about an hour later cursing at me and telling me that he was sure based upon the searches they had done about me online they believe I can and should afford to pay much more than that. He actually had the audacity to suggest that I would somehow go to jail for not paying them in full that day.
There is a student loan from  XXXX  in  XXXX  that has been discharged that still appears on my credit report. There are  XXXX  loans from  XXXX  that were consolidated into  XXXX  loan in  XXXX  but still displays  XXXX  from  XXXX  so indicating I have  XXXX  student loans altogether when I have  XXXX  open. Also ombudsman group advised  Navient  to remove ALL payment history from my credit for all my student loans prior to  XXXX  when I filed bankruptcy and they still have n't done it. This is negatively affecting my credit dye to it indicating I have multiple closed accts plus and open {$12000.00} acct and still displays payment history as well. They have removed some payment history but not all.