WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017, Wells Fargo unilaterally and without warning closed my Visa Signature credit card and subsequently terminated XXXX Go Far Rewards (points) associated with my credit card account. WF didn't provide a notice that the account would be closed nor the opportunity to redeem points. If redeemed for cash or statement credit (at 1 cent per point) those points would be worth $XXXX. However, redeemed for airfare at XXXX (my preferred redemption method) those rewards are worth $XXXX. It's not an insignificant sum of money and Wells Fargo essentially prevented me from using it. I reached out to Wells Fargo and escalated my complaint all the way up to Case Management / Executive Office, but they refused to reinstate rewards, let me use them or transfer them to a family account for future use.
I have an ongoing dispute with XXXX. I believe my federal loans were inappropriately capitalized, adding over {$19000.00} to my loan amount. I have disputed this with XXXX and they have been reviewing it for over a month, no one can explain or give me a response. I have supporting documents as well. I submitted my recertification paperwork 1 month early. I was forced to do it by paper because XXXX had not updated my name change despite submitting the paperwork needed over 4 months prior. The day before I was notified that there was an issue with the recertification my interest was capitalized. 5 days after receiving the notice that there was an issue with my recertification paperwork, I was able to recertify online ( since my name had finally been changed ) and was officially recertified for IDR for the upcoming year. My plan was never changed, I never had to go into forbearance and yet they capitalized my interest before my plan actually had to go into forbearance. Below is the timeline of events : XXXX : call and file upload of name change and supporting documents, name never changed and unable to file IDR online because name was not correct XXXX : paper IDR request submitted XX/XX/XXXX : last day to submit IDR request XX/XX/XXXX : interest capitalized ( {$19000.00} ) XX/XX/XXXX : IDR Denied ( via message, 1 question not answered per XXXX ) XX/XX/XXXX : new IDR submitted online, called XXXX and would expedite XX/XX/XXXX : new IDR approved XX/XX/XXXX : new payment amount started ( never payed higher amount, never went into forbearance )
I have contacted this company on several occasions to update my credit report with the correct information. They continuously report that my account is closed and does not reflect the actual balance on my mortgage. I have spoke with several managers that assured me that this would be corrected and as of today 's date, it has n't. My account is current and open and I would like that information reflected on my credit report.
Upon pulling my personal credit reports I noticed an entry from Rent Debt Automated Collections for a total of XXXX. The alleged debt was placed on my XXXX, XXXX, and XXXX reports because Rent Debt is claiming that I owe XXXX to XXXX XXXX XXXX XXXX  of XXXX XXXX GA. I have maintained open communication with XXXX XXXX XXXX XXXX and I have been made aware that their office has no record of me owing a past due balance. I have submitted a dispute to Rent Debt Automated Collections through each credit bureau ( XXXX, XXXX XXXX, and XXXX   ), and each dispute has returned stating that the alleged debt for account number XXXX for XXXX has been verified as being valid. I am very confused as how this debt was verified as belonging to me and I have since spoke with the manage from XXXX XXXX XXXX of XXXX XXXX who informed me that they show my account as being closed with a XXXX balance.
One Main Financial Debt collector calls me many times throughout the day. I have told them I can not talk because I am working. They call back within the next 15 minutes. I revive about 8-12phone calls a day between XXXX XXXX and XXXX.
XXXX XXXX, XXXX CFPB : Bank of America/LaSalle Bank claims that my XXXX ARM Loan XXXX on XXXX XXXX XXXX, XXXX, IL XXXX, was Securitized into RMBS, including, but not limited to, AFC Mortgage Loan Asset Backed Certificates Series XXXX ( XXXX, XXXX XXXX and XXXX XXXX Series XXXX ( XXXX, XXXX XXXX, that it, BofA/LaSalle, is the Trustee for all such RMBS, but refuses to supply me details. 
Please have e-mailed to me, for my ARM Loan, the Names and Start and Termination Dates of all the RMBS into which my ARM Note was securitized, along with the names, contact information, number of shares, percentage of shares, and periods of time of ownership of such shares, of all the Certificateholders of said RMBS. 
Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Debt is not mine. Do not have a paypal account. I want all communication to stop. Immediately.
XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX IA XXXX To Whom It May Concern This letter is to request help ; we have just learned that our XXXX on our home with Rabobank has entered into foreclosure. We had a line of credit that we have been paying on without issue, it matured in XXXX XXXX which we did not realize and never received notice from bank. Around XXXX XXXX when payments were not being credited out our account correctly I went into the local bank in XXXX and learned our credit line was due and we need to refinance which I obtained the paperwork and began the process. Around XXXX of XXXX I learned that the bank had started the foreclose process and all paperwork which was turned into local bank was relocated to the foreclosure division. I worked with a XXXX XXXX whom turns things over to someone else about month ago. I have completed all items that I 'm aware of and not word or understanding on where we are in process. I want to save my home please HELP! 
Questions please let me know. 
Sincerely XXXX XXXX
I am a victim of victim of identity theft and fraud. The account below was opened as a result a fraudulent account opened without my knowledge or authorization. I did not open this account. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. I disputed this matter to this company on XX/XX/XXXX, and attached all the needed documents to verify my claim but to my surprise the company still reports this account which was fraudulently opened : JEFFERSON CAPITAL SYSTEM XXXX # XXXX
Ocwen purchased my loan from indymac and they miscalculate the escrow account so they sent me a letter in XXXX 2015 with the new payment with all escrow shortage corrected. I talked to them and they stated that now on everything will be the same. 
Payment went from XXXX to XXXX. 
now in XXXX 2015 they send me a new later increasing my payments to {$3900.00} because now the want a " cushion '' for emergencies. I think this is a scam. I cant make that payment. 
my rate is fixed. Please help.
I never have any accounts with a balance I dont know why I denied when I apply to open a checking account.. all I ask show me a statement my license photo copy any documents signed by me
I NEVER received any documentation from XXXX/Bridgecrest stating that the car was facing repossession. I made a payment on XX/XX/2017. When I woke up the morning of XX/XX/2017 the vehicle was gone. I have NOT received ANY documentation from XXXX/Bridgecrest about their plans to sell the car. I have NOT received ANY information that they have disposed of the vehicle. The ONLY communication/documents I received from XXXX/Bridgecrest was a redemption and reinstatement form back in XX/XX/2017 dated XX/XX/2017. And it stated to redeem the vehicle to pay {$14000.00} and to reinstate pay {$2300.00}. They have placed this debt on my credit reports for XXXX without following the proper federal guidelines.
We are trying to refinance our house. 
Background : In XX/XX/XXXX my wife was laid off from her job. We tried to refinance our mortgage but could not as my wife was out of a job. We tried to get a loan modification from our mortgage holder, XXXX, for hardship as my wife was laid off and my son had to have XXXX at that time. After they had us go through the motions collecting all our data they said they could not modify the loan as it was a bundled loan they purchased and the investors would not allow it. The mortgage was originally with XXXX. After I sent letters to our congressman, XXXX agreed to temporarily lower the mortgage payments. After my wife got a new job, we tried again to refinance and instead XXXX said since she was back to work we had to pay back the difference of what we would have paid and what they lowered our payment within three weeks or they would foreclose on us. This was $ XXXX! We ended up taking the money out of our XXXX retirement account so they would not foreclose on us and again they said they could not refinance the loan. We could not go to another lender as the price of the house had dropped by about 50 %. 

We now are again trying to refinance after cleaning up our credit and house value finally coming back. Our credit union said my credit is still damaged because of a {$12000.00} Federal Tax lien from XX/XX/XXXX which was paid off in XX/XX/XXXX. We are trying to get TransUnion to remove it from my credit report as it was paid off in XX/XX/XXXX.
On XXXX XXXX, XXXX, I received an alert from my credit monitoring company All Clear ID that I had a new item on my credit report. The item was placed by XXXX XXXX XXXX XXXX. We called and found out that I have been a victim of fraud AGAIN through XXXX XXXX. The acct number for XXXX is XXXX, at address XXXX, TX XXXX contact # XXXX and email address of XXXX. I called XXXX and informed the fraud department this is the XXXX time that I have been a victim of fraud with their company. Why did n't they block my social for any new services. I have a credit freeze on my credit since XXXX, fraud alerts and a credit monitoring service. This should not have happened a XXXX time with XXXX if their informational system had due diligence and fraud preventive measures in place. My local police department Detective XXXX XXXX of XXXX Police Department XXXX. XXXX had the audacity to tell me that they have no idea if I allowed these people to use my credit history for services. Very poor customer service and fraud department even worse.
Bank of America ran my credit without my permission back on XX/XX/XXXX, and they used XXXX XXXX to do it. I reported Bank of America to the CFPB on multiple occasions in XX/XX/XXXX/XX/XX/XXXX, and they said they would have XXXX XXXX remove the hard inquiries. XXXX XXXX was supposed to have the hard inquiries removed from my report all the way back in XX/XX/XXXX of this year, but they haven't. XXXX still has the hard inquiry from them. I contacted XXXX XXXX on XX/XX/XXXX, and they said I needed to submit a written request to them to give to XXXX to remove the hard inquiry. I sent it via email ( XXXX XXXX said it was acceptable ), but over a month later, the hard inquiry from XXXX is still on my report, and I've been dealing with the whole situation for over half a year. Attached is the email I sent in XX/XX/XXXX
Chase claims that I am two months behind in my mortgage when I have proof that my mortgage was paid every month.
I have a bankruptcy reporting on my credit report from XXXX that I have been dealing wit equifax wit for several months.I have wrote SEVERAL letters disputing this bk, On XXXX! XXXX XXXX I put A security freeze thur XXXX.They EQUIFAX said has since said on XXXX and yet again on XX/XX/XXXX.that they VERIFIED this Information using XXXX XXXX. On XXXX/XXXX/XXXX I contacted XXXX XXXX and spoke wit Agent XXXX # XXXX she said that Equifax " DID NOT '' VERIFIY any information using them because of my security freeze placed on XXXX/XXXX/XXXX. So therefore this Bk needs to be removed from credit report. Its also very shameful for Equifax to hurt people trying to do better,
LastXX/XX/XXXX, I sent this company a letter disputing several accounts that I do not recognized. From the account number to the opened date and creditor name, I do not recognize those pieces of information which is enough reason for me to to practice my rights and request for an investigation. I disputed the following accounts : XXXX XXXX Ref # XXXX XXXX COUNTY OF   XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX. 
It has been more than 30 days and yet nothing has been provided to me or sent to me as validation document, that was used in their investigation. This is a clear violation of FCRA.
My mortgage lender did n't include any PMI on any of my good faith estimates or HUD documents until he showed up at closing. We had just sold our house that morning and wired the money to buy our new place. When I was handed the contract while we sat across the table from the seller was the first moment I noticed the payments were so much higher. I asked about why it was higher and was told that the payments went up because the home insurance and taxes had been underestimated. I still did n't see it adding up but felt forced to sign because at that point, we had no where to move back to, our old home had sold already. It was n't until I had time to compare all our old estimates did I see that PMI was never included in the good faith, HUD, or even final documents emailed the day of signing. The first time the PMI was added was at closing. I did not know it would be required to get the loan and was relying on the lender to disclose everything to me so I would know what I was getting into. Now my payments are almost % XXXX higher than any of my quotes.
XX/XX/XXXX - Went online to Navient to pay off some loans infull. I paid off {$14000.00} worth of student loans. I received a confirmation email that my payment for the full amount was submitted. 

XX/XX/XXXX - Received an email from Navient stating only {$10000.00} has been paid off. I went online my check my bank account and the full {$14000.00} has been taken out. I contacted Navient but could not get passed the machine to human that could help me with my problem.
I bought furniture from XXXX here in XXXX of XXXX. I thought I had 3 years to pay without any interest. No one at XXXX explained the terms or explained the " deferred interest concept which I was never aware of. I began to make payment religiously on the web site. I paid what they stated that I needed to pay. I never missed a payment. After 24 months I went to make a payment only to find out that my balance just doubled. Not knowing why I called them up to find out why. Iw as then told of the deferred interest charge. I offered to pay the balance to conform to the 24 months terms but they refused since I was only 9 days late. I acknowledge that I was deceived and maybe I should have been more careful but the following, I believe, show how deceptive XXXX and XXXX XXXX ( the financing Bank ) are. 1- Monthly payment was not equal so that balance would be paid over 24 months.
2- There was no reminder, note, or any indication of the fact that the balance needed to be paid over 24 months or else.
3- When I became aware of the terms, it was only 9 days and they should have accepted payment.
4- My balance literally doubled overnight. I am currently paying since I am trying to protect my credit.
My mortgage was with Wells Fargo. I received an offering from them to refinance my mortgage at a lesser rate. I went through the loan process and was approved. An appraiser was sent to my home and the appraisal was {$370000.00} when we were expecting an appraisal of over {$500000.00}. The home and property was appraised 6 years ago at {$540000.00}. The home and property is in the XXXX XXXX, TX area. The appraiser who did the original appraisal and the questioned appraisal is the same person. She did not remember doing the original appraisal. I asked Wells Fargo to ask the appraiser for a reconsideration appraisal. Wells Fargo led me to believe the appraiser refused. The appraiser would have been willing to do a reconsideration after realizing she had done the original appraisal and the large discrepancy had occurred. I asked Wells Fargo to refund the {$650.00} I paid for the questioned appraisal and they refused. I went to another mortgage broker, had another appraisal by a different appraiser and the appraisal of the home and property was {$530000.00}. I have a new mortgage but feel Wells Fargo did not due diligence in the matter and cost me {$650.00}.
XXXX XXXX keeps calling my cell number looking for someone else. They don't seem to understand that they have the wrong number. They continue to leave me voicemail messages indicating there is an urgent and pending matter that must be addressed.
My mortgage company, Nationstar XXXX Mortgage has repeatedly charged our mortgage this month then reversed it, causing my bank account to go negative through overdraft fees and an NSF charge. I attempted to contact them multiple times and was given incorrect emails to send the information to. Most recently I was instructed to send the materials to an XXXX XXXX, who I found is a corporate recruiter through XXXX. I have attached a copy of my ban statement which shows this.
My complaint also includes unfair assessed NSF fee 's, my cash deposit 's and unfair " DEBT COLLECTION PRACTICES ''. On XX/XX/XXXX, I was assessed " unfair and unwarranted '' NSF fee 's. I deposited ( in CASH ) {$65.00} for my Chase Check # XXXX on or about XX/XX/XXXX. I have attempted to communicate " effectively '' with Chase Banks ' rude and unprofessional representatives. However, my many repeated request 's for a reasonable meeting of the minds have fallen on deaf ears. I spoke with XXXX in the Chase Corporate Office. I requested to speak with a Corporate manager ( via XXXX ). I was told ( by XXXX ) that a Corporate manager would return my telephone call ( ASAP )! However, as of this filing, I have NOT heard from a Corporate Manager ( from Chase Bank ). Any and all supportive documentation will be faxed to CFPB for the use of this complaint " only ''. All personal information used in this complaint, is NOT to be used by the CFPB " only ''.
XXXX is debt collection they keep calling we do n't have any debts we want them to stop calling us
I owed an outstanding balance of {$120.00} to XXXX XXXX XXXX for a land-line service that I no longer needed. I paid the outstanding amount of {$120.00}, based on my billing statment from XXXX XXXX XXXX ( including late fees & penalties ). I had no indication other than that XXXX XXXX XXXX accepted my payment in full. 

It appears that XXXX XXXX XXXX either sent this debt to XXXX different Debt Collection Agencies or this debt was sold from one debt collector to another ( I.C System Inc. phone XXXX ) and ( XXXX phone XXXX ). XXXX debt collectors are based in MN. XXXX company ( I.C. System Inc. ) submitted this information to the Credit Reporting Agencies twice, using a different account number, so it showed up twice on my credit report. Some time after, the other Debt Collection Company ( XXXX ) reported the same debt with somewhat different information, to the Credit Reporting Agencies, using yet another different account number. This resulted in this SAME debt being listed 3 times on my credit report, even though the debt had already been paided in full ( based on my billing stmt ) directly to XXXX XXXX XXXX ( confirmed pmt received {$120.00} on XXXX/XXXX/2014 ). I filed several disputes with the Credit Reporting Agencies, explaining that this debt had been paid in full directly to the original creditor and that there were multiple listings of the same debt on my credit profile. The result of the dispute was that they removed one of the OLDEST debt collection records from my credit report ( which would have removed from my credit profile soonest ) and update the remaining NEWER debt collection company record with the INACCURATE information of " settled-less than full balance. The account had already been closed. This debt was " paid-in-full, based on the last billing statement ( including late fees and penalties ) from XXXX XXXX XXXX. A debt collector should not be able to request more than the amount of the outstanding debt. 

My contention is that my credit profile should not be negatively affected by the mistakes of XXXX seperate debt collectors reporting different information on the same debt. Who decides which one is valid? Why was the oldest record removed and not the newest? Can XXXX debt collection company sell a debt to another, thus possibly increasing the time that the information remains on my credit profile? 

Because of these obvious mistakes in reporting by XXXX different debt collectors and the fact that my debt had already been paid directly to, and accecpted by, the original debt holder ( XXXX XXXX XXXX ), I contend that this erroneous and arbitrarily selected remaining debt collection record still remaining on my credit profile for XXXX should be removed immediately.
This is for loan XXXX XXXX and the late payment on XXXX that was reported as late on my credit report while an investigation by XXXX XXXX XXXX was being supposedly completed by them. <P/>I reported this to XXXX at XXXX with supervisor Mr. XXXX about the car accident. He agreed to resolve the matter and return my phone call with-in 4 business days. We agreed that I not make the payment until I heard back from him specifically with regards to a resolution. <P/>He further stated as other XXXX representatives verified that a " hold '' or indispute was put on my file and that the next payment due would not get reported late if I the matter was resolved. <P/>I and all parties agreed to this. I only noticed several days later hat they did report by negligence and error that I was late. <P/>I was not late. I never heard from anyone and did as I was told. Which was to not make the next lease payment until the issue was resolved. <P/>As I have stated numerous times, I have tried at least 20 times to contact XXXX and they will not speak with me.
I signed up for a XXXX Red card and set it to paperless statements and meant to set up automatic payment. The automatic payment was not set up so my first payment was missed. There was no notification from XXXX and they charged a {$38.00} late fee. This happened again for two more months with no notification. The first notification I got was from a collections agency over the phone where I stated that there was no notifications. The agent claimed there were many notifications but that is false. I have many XXXX Emails and none are notifications of late payment. I have XXXX credit cards with on time payments for over 15 years and plenty of money in my bank account so there was no reason for me to let it go unpaid except for error which could have been quickly corrected with a simple late notification. In stead XXXX is demanding over {$100.00} in late fees on a single purchase, {$39.00} balance. I feel that XXXX was negligent in notification policy and is improperly profiting through late fee charges at my expense.