WillisBack/dataset-financial-user-claim huggingface dataset:
Trying to get onto this XXXX XXXX XXXX XXXX plan has been much more of a headache than it should have been, and my issues still have n't been resolved. When I submitted my materials last XXXX ( 2016 ) and received approval, my loans were transferred from XXXX XXXX to FedLoan. Since then I have called and called trying to get status updates. At first they were n't able to view any of my information for about a month. Then nothing showed up in any paperwork about the XXXX plan. After calling, I was told it could take up to 90 days for it to process and then would be visible on the website, but that it usually does n't take that long. I called after a couple of months had passed, was told by an irritable-sounding employee that it had n't been 90 days yet ( i.e. " Why are you calling? '' ) I called again weeks after ( by my calculation ) 90 days had passed, and was told by an even more irritable sounding employee that it had n't been 90 days yet. A week or two later, I received a billing statement that showed I had made XXXX qualifying payments. I had been expecting something closer to XXXX qualifying payments! I called again today, spoke to another irritated-sounding employee who told me that I only had XXXX qualifying employers listed on file. There should have been XXXX, and I told her that. She told me that the third employer certification had been denied for missing info. I had NEVER received any kind of communication to this effect. She told me I " would be more than welcome '' to resubmit the certification on the third employer. After getting off the phone, I looked up a copy of what I had submitted ; there was no info missing on the application. I called back and spoke to XXXX. Thank XXXX XXXX was a nice, patient employee who actually seemed interested in helping me resolve my problem. He looked everything up and discovered that the third certification just had not been processed. I 'm still not clear as to why, something about it being labelled a " duplicate. '' It was a " duplicate '' because I had originally resubmitted it last XXXX to include some missing info. They apparently just had not considered the corrected form. I wonder if this is something they do often. If I had n't been paying close attention I do n't think this " error '' would have been caught - I never received a denial of my updated certification and I never received a breakdown of what payments would be considered qualifying payments and from which time periods. Anyway, XXXX said he was submitting a request to reconsider the paperwork they had already received and that it should take XXXX10 days to process. I do n't have very high hopes that it will be taken care of without more effort on my part. I am so sick of these student loans.
XXXX/XXXX/2016 XXXX XXXX XXXX calling from XXXX, returned my XXXX returned call. XXXX called me at XXXX in the morning wanting to talk to XXXX, who has resided over a XXXX miles away, in Texas, for nearly a decade. We live in different states, with different area codes. He claims he did n't know. He is a bill collector, he knows where that relative lives. He knows that he is not to call before XXXX or after XXXX, it is his profession to know. XXXX XXXX said he would take my phone number out of their system.
we have tried for a home modification for almost 6 years. we kept getting the run around. they gave us a court date the judge said we had to be out in two months. we found a place to rent. a week before the forclosure. the bank said try again for a modification. then they said we ca n't help you. you left the house. we did what the judge said. we checked on the house everyday. just another run around. the reason we asked for the modification my husband got sick and had to go on XXXX. we could not make the high payments anymore.
There is a bunch of hard inquiries that are fraudulent and after going through them only 2-3 are actually legitimately from me. Also in collections many of those accounts were placed on there by ex spouses and I should only have like 2 collections accounts be open and one of them was a medical bill
Equifax and XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Navient at no time helped me to reduce my payments to income based. Due to that I am not over a XXXX dollars behind. Anytime I would contact customer service, they would state that I based on my income I would have to pay nearly {$300.00}. I only have XXXX loan with them and over XXXX in federal student loans. The federal loans allow a lower payment based on my income, nowhere near the {$300.00}. I constantly get calls from them Morning and night even after XXXX, and XXXX and XXXX. They say they will work with me, but I have to somehow pay the {$1200.00} and they know I can not do that and all they tell me is you need to or you will always stay behind and it will be reported to the credit bureaus.
I continue to receive collection calls for " XXXX XXXX '' on my personal cell phone, but I am not XXXX XXXX nor is my number his. I have received calls from multiple collection agencies over the past 2 years or so - typically around the beginning of the month. Most recently I received calls on XXXX/XXXX/16 and XXXX/XXXX/16 from Northland Group for " XXXX XXXX. '' I have also received calls in the past from XXXX XXXX XXXX, XXXX XXXX and XXXX, to name just a few. My number is on the Do Not Call Registry and I continue to inform collection agencies that they have a wrong number. But then the next month the account gets sold to another collection agency and the calls start up again. On the most recent call with Northland Group, the manager admitted that I was robo-dialed, even after I had asked to be removed from their list.
XXXX has been non-compliant with removing the unverified account WELLS FARGO CARD SER Opened Date XX/XX/2009 which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I have contacted Experian serveral times to get my name correct on my report and they refuse to change it. 

XXXX Name ID Number XXXX Report Number They also have address I have never lived at : XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number
Debt is past New York State Statute of limitations last payment made XX/XX/2006 And is stated on letter received after collection agency called I had to request letter did not send a head of phone call. Collector did not up date file for address or phone number at time of call there for had info and did not send initial demand letter prior to calling
I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$290.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company sent me a letter dated XXXX that looks like a bill, this bill didn't reflect any contract or my signature stating that I have any kind of agreement with this company or it's alleged client. I sent them a XXXX letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, this company had no response to my XXXX letter and furthermore they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. Again, a print out of a bill is not valid, I need the actual contract from this company.
On XX/XX/XXXX I paid {$27.00} for a certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized, notary certificates and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent accounts have not been removed by Equifax. 
On XX/XX/XXXX I resent another certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I requested a Fraud Alert on my credit reports to prevent any further damage by this type of activity. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent accounts have not been removed by Equifax. 
On XX/XX/XXXX I resent another certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid ANOTHER {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent accounts have not been removed by Equifax. 
According to The Fair Credit Reporting Act, Section 611, the respective credit bureau has 30 days to investigate and remove the fraudulent account and not put it back on the consumers credit report. 
It has not been over 90 days since I sent the original certified letters to Equifax and the accounts have not been removed.
MY MORTGAGE LENDER ( CALIBER HOME LOANS ) HAS DENIED MY LOAN MODIFICATION REQUEST AND THEY INSIST ON A SET OF WRONG ASSUMPTIONS ABOUT THE VALUE OF MY HOME!!! 
CALIBER REVIEWED ALL MY DOCUMENTS AND THEIR MODIFICATION DEPARTMENT STATED THAT MY INCOME IS SUFFICIENT TO QUALIFY ME FOR ASSISTANCE PLANS, BUT THEY SAID THE VALUE OF THE HOUSE IS TOO HIGH. 
I HAVE ASKED THEM REPEATEDLY TO PLEASE REVIEW MY EVIDENCES ABOUT THE POOR CONDITION OF MY HOUSE 'S INTERIOR, BUT CALIBER DOES NOT ALLOW ME TO AT LEAST PRESENT MY PROOFS OF THE LOWER VALUE!!! 
THIS IS SO UNFAIR TO ME THAT THEY WONT EVEN LOOK AT MY OWN COMPLETE APPRAISAL!!! 
THEY SHOULD AT LEAST JUST LOOK AT MY EVIDENCE, AND ALLOW ME TO PRESENT MY INFORMATION, AND THEN DECIDE IF I QUALIFY OR NOT. 
FURTHERMORE, I CURRENTLY HAVE AN ACTIVE FILE THAT AS OF TODAY CALIBER IS STILL REVIEWING FOR MODIFICATION AND THEY JUST ASKED FOR MORE ITEMS FROM ME. SO WHY ARE THEY REFUSING TO POSTPONE THE SALE DATE TO COMPLETE THEIR OWN REVIEW PROCESS???!!!! 
I 'M A SINGLE MOM STRUGGLING VERY HARD TO SAVE THE HOME FOR MYSELF AND MY KIDS AND THE LENDER SHOULD TRY & SHOW SOME GOOD FAITH TO COOPERATE IN FINDING A SOLUTION, INSTEAD OF CONSTANTLY PURSUING ONLY FORECLOSURE!!!!!
I lost my job XX/XX/XXXX. I went on craigslist to apply for different jobs. I had an account with Bank of America at the time. This one job sent me an email back stating I can receive money going shopping for other people in need and they will send me a check. Once I receive the check deposit in my account and take a percentage out for myself as they would give me a listing of items to by. I received a check in the mail from Texas and it was XXXX to me. Once I received the check it looked like a real check with a stub not knowing it was going to hurt my bank account. The bank closed my account after five years on count of this, because it was a bad check. Finally I not able to open another account not cash my working check. I hope my complaint reaches someone I was unaware that this situation would happen. Please help I have a son with a XXXX and I need a account to pay bills, work direct deposit and to cash my son SSI checks as well. I need help.
Due to the Equifax security reach, my personal information has been compromised and I was not alerted about this personally, but via the news/internet. They know how to reach those impacted and put the onus on the victims of potential identity theft. I checked via their website and found that my information was stolen, and could be used.
Whenever I put my money in my bank, it seems the money gets recorded as next day 's transactions ; It does not matter whether transaction is cash or check or mixed items. I keep getting filed overdrafted because of this. This should not be happening. I also get charged monthly fee every time because of this.
I was charged {$440.00} on XX/XX/XXXX for a balance transfer check. There were NO terms and conditions attached with the convenience checks that I received so the fee of 3 percent was not disclosed to me in advance. Also, the credit card in question was opened by Wells Fargo, not by me. Thus, I am not obligated to pay the balance transfer fee, and Wells Fargo basically refused to reverse it after discussing it with me over the phone today dated XX/XX/XXXX.
On XX/XX/2019 I emailed XXXX  XXXX XXXX  regarding two accounts reporting incorrectly on my credit reports ( Transunion, XXXX, XXXX ). I informed them there were inconsistencies between the three bureaus and asked for these accounts to be removed from my credit report. In the email ( screenshots attached ) I addressed myself under my legal name, XXXX XXXX. On XX/XX/2019 XXXX XXXX XXXX  responded with 3 letters per account which did not address my concerns with the inaccurateinvalid information reporting on my credit reports. In addition to not addressing my concerns, the company referred to me under an incorrect name. Despite me giving them the name XXXX XXXX in my request they addressed the letter to a XXXX XXXX. This additional inaccuracy is proof this debt needs to be removed from my credit reports.
This concerns case # XXXX. We contacted Wells Fargo again today. There seems to be good news. I had my son XXXX XXXX speak for us. He spoke to someone at Wells Fargo named XXXX. XXXX has agreed to review this whole case anew.
I have a credit card with Wells Fargo for over 10 years. I 've never been the type to check statements but recently began to and was surprised to learn that I have been getting charged monthly for a service called credit protection. This is not a service that I ever agreed to. I contacted Wells Fargo and a representative agreed to refund the charges dating back to XX/XX/XXXX totaling around {$110.00}. I demanded that all charges dating back to when the card was opened to be refunded. She stated that she personally could only do the 6 months but was sending information to the credit defense program in a " ticker '' and that they would be able refund the full amount. Unfortunately the number she gave me was closed that day and I was unable to receive any confirmation that all the charges would be refunded. Simply typing this program into google revealed that this was a long running scam by Wells Fargo and that many people have had this exact issue. Wells Fargo is even facing a class action over this.
Our initial mortgage was with Bank of America who offered to refinance, but the payment was as much as original mortgage due to pending mortgage deficiency, they then sold our mortgage to one of their subsidiary 's " XXXX XXXX XXXX ''. 

We had sought the assistance of XXXX to assist us with the refinancing. XXXX XXXX XXXX refused to refinance our mortgage telling XXXX they had received our paper work too late. However, this was in correct as all requested documents were sent and submitted within the time frame required. XXXX XXXX simply refused to work with XXXX on our behalf. 

In addition, XXXX XXXX XXXX it would appear intentionally caused our mortgage to become default, which resulted in them selling it to XXXX XXXX XXXX. 

XXXX XXXX at the time of selling our mortgage to XXXX on XX/XX/XXXX, was negligent in their fiduciary duties in that they did not disclose to XXXX that we had filed a complaint with your agency, Consumer Finance and that they ( XXXX ) had refused to work with XXXX. Their action resulted in the property being sold to XXXX without any consideration for our need and ability to re-finance in an attempt to save our home. XXXX obtain a court order resulting in us having to vacate the property no later than XX/XX/XXXX. 

The action of XXXX XXXX has caused not only the loss of our home, but extreme emotional distress and absorbent monetary loss and financial hardship. 

We appeal to you for any all assistance and remedy with respect to the issues raised in this complaint. 
We thank you in advance for your kind consideration and concern in this matter. 

With kind regards, we remain.
I have a VA home loan. The originating XXXX, XXXX XXXX XXXX put the paper out onto the market where it was assumed by PennyMac Financial, XXXX XXXX, CA. As a XXXX Veteran, my home State of Wisconsin allows me full credit for my property taxes if they are paid, in full, by the close of the calendar year. PennyMac has billed me and held the tax amount in an escrow account. 
Well in advance of the tax due date, I phoned and e-mailed PennyMac offering specific information to ensure my property tax bill would be paid from the escrow account. I received a reverse thrill on XX/XX/2017, when the Township Treasurer informed me that payment for the taxes were not received. I paid the amount due out of my own pocket. What occurred from that point was a litany of fables and no release of the funds from my escrow account. 
The number of roadblocks and disingenuous statements I received proved to me that PennyMac has a policy to delay payment of escrow amounts to enrich themselves. I understand " working the float '' and their collective errors could not be happenstance. Only after pressure was applied to PennyMac by XXXX, did I receive some degree of solution to the problem.
Repeated calls to my mobile number stating that I am a person of interest and they need to locate me to take a statement. Prior tactics included telling me that I would be served at home and at work by a certain date and time by a processor. Accusations of fraudulent checks for a debt I can not even verity I owe because prior discussion with company resulted in their representative refusing to give me information on the debt, becoming verbally abusive and then hanging up on me.
I have an account that is unverified on my report the I have filed a FTC ID THEFT REPORT. I am looking to buy a home this year and I have done everything to deal with this account with no help from XXXX XXXX # XXXX.
Towards the end of XXXX I was discussing the options I had for deferring my student loan payments from Salle Mae, as I am in the process for re-enrolling in school. I was advised that I can take a XXXX month forbearance until my registration was complete and could then defer my payments as a full time student. I thought everything was set up, however I received a notice that my payment was past due in XXXX. I called to confirm that everything was in place and advised it was not, so I attempted to set up the three month forbearance. I was advised that this is a customer service ability but could only be initiated after I made my payment and they could only do a XXXX month deferment. All I want is to be able to do the XXXX month deferment like I originally wanted and for this company to be reviewed for potential lending violations.
I wired {$40000.00} from my businesses account ( XXXX XXXX ) to my coinbase account on XX/XX/2017. 

I have received an email that says you guys can not accept the wire and it will be reversed due to the name mismatch ( XXXX XXXX & XXXX XXXX ) and I should receive it in 7 days. 

It has been more than 60 days since I received that email,
EQUIFAX fails to remove the XXXX account. EQUIFAX reports that this account was TRANSFER/SOLD. EQUIFAX reports incorrectly this account 's Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
On XX/XX/XXXX I submitted a request through Wells Fargo for a temporary loan modification. I had just started my real estate career in California and I was waiting for a couple of deals to close. In the meantime, I had been working at a restaurant to help pay the bills. My loan was beginning to default and I did not want this problem to spiral out of control. I continued to call into Wells Fargo to check on the status of my loan modification request. They continued to tell my co-signer and I that they still needed additional documents. They also requested documents that I had sent to them before. This raised some concern for my dad and I. If they were n't receiving these documents, where were they going? Was anyone actually handling our request? This chaos went on for an additional four months while my loan continued to default. On XX/XX/XXXX we receieved a letter saying that my request had been denied. I could not believe it. In the matter of four months both my credit and my dads credit had been destroyed. I was now left with an outstanding bill that I could not pay. They told me that there were no other options. Why could I not temporarily lower my payments based on my income? When I talked to a Wells Fargo hardship specialist, he informed me that I did n't have any income and my co signers debt to income was so high that if they dropped their payments I would still be over extended. I asked him why it said that I did n't have an income if I submitted my restaurant pay stubs. He could not give me an answer. If they thought that a lower monthly payment would be a stretch, what did they think would happen when you sent me an outstanding bill for the four months that my application was being processed? I really feel as if they were setting me up for failure. Now I have been making payments on my account even though the loan is still in default. My payment is due on the XX/XX/XXXX of each month. Yesterday I was very sick and forgot to make a payment over the phone. When I called first thing this morning, I was expecting that I would have to pay a late fee. Mind you, this is 12 hours after my payment was due. On XX/XX/XXXX ( today ) I spoke with a Wells Fargo supervisor who told me there was nothing she could to do help me. She said my acct had been sent to collections and she had no telephone contact or any way to help. She said she 's never seen a charge off, which clearly is n't the case if she works for a major bank. She was incredibly rude and offered no support. At the beginning of every call, Wells Fargo let 's the customer know that the call is recorded. If they were to go back and listen they would see just how serious my dad and I were about resolving this issue. All that I asked for was a temporary modification while I waited for a couple of deals to close. I have no idea what to do at this point. Wells Fargo has shown ne that they are not willing to help me resolve this issue.