WillisBack/dataset-financial-user-claim huggingface dataset:
A few years ago I was heavily solicited by a Wells Fargo mortgage consultant, XXXX XXXX, to refinance a rental property I own in XXXX. I explained to her on several occasions that I had no interest due to the changes in mortgage insurance ( 1.2 to 1.55 % for the life of the loan vs XXXX until the loan reached XXXX loan to value ). She continued to aggressively pursue me stating that I can do a streamline FHA and not change my MI. Stating, " There are a lot of people who are n't familiar with this guideline since there is very few people fit the criteria. '' On multiple occasions I explained to her that I do n't like surprises and to fully disclose. She specifically told me that there were no gotchas and once I reached XXXX loan to value I could call Wells Fargo and drop the mortgage insurance. 

A couple months ago I reached out to Wells Fargo to drop the MI and they told me that when I refinanced my loan that the time period in which I would be required to keep mortgage insurance was extended by 5 years. Thus, costing me XXXX of dollars. I have been fighting with them for months and they are unwilling to help until I threatened to contact you, CFPB. 

Here is my complaint:1 ) Had they fully disclosed the timeframe in which I had to keep MI I would have been able to make more informed decision. Likely would have written a check to get the loan to XXXX to prevent this or forgo the loan entirely. 

2 ) My original loan was with Wells Fargo and my refinance was also with Wells Fargo and mortgages are a very complicated financial instrument. How can we allow firms like this to do predatory soliciting that is n't in the best interest of the consumer especially post 2008? The mortgage consultant had access to my old mortgage and knowingly convinced me to refinance even though it was n't in my best interest - thats should be fraud. 

I have email that I have kept regarding this conversation with the Wells Fargo 's, XXXX XXXX, if needed.
Experian sent email stating that " -- -- --, your dispute results are ready. 

Good news! Your final dispute results ( report no. XXXX ) have been posted. Please sign in to see them and confirm all changes. 

If you have any questions, feel free to reach out to our team at ( XXXX ) XXXX ( Mon-Fri :  XXXX-XXXX PST, Sat-Sun : XXXX-XXXX PST ). '' Experian adamantly not updating the credit report though XXXX XXXX XXXX sent them the corrected information Experian 's customer service is the Worst.
Homeowner/Borrower requested loss mitigation assistance in XX/XX/XXXX and received a TPP. While homeowner was making the TPP payments, servicer moved forward with non-judicial foreclosure anyways. Homeowner was not aware that the property had been sold in foreclosure until someone knocked on his door and advised him that he and his family needed to move out since they no longer owned the property. At that point homeowner complained to servicer. In XX/XX/XXXX, servicer acknowledged the unlawful foreclosure by instituting a court action to rescind the Trustee 's Deed Upon Sale. Homeowner was not served with the court documents. In about XX/XX/XXXX the court action concluded, resulting in a court order rescinding the foreclosure sale. In the interim, however, the property was no longer insured and sustained water damage for which homeowner has not received any compensation/repair to date. Moreover, servicer continues to pursue homeowner for all charges accrued during the period of time that it illegally sold the property out from under homeowner. A new Notice of Default and Election to Sell was just filed in about XX/XX/XXXX. As of today, there is no sale date. Homeowner has submitted an RMA package but was denied.
Upon viewing my credit report, I noticed that  Westlake Financial Services  had placed on my credit a  XXXX  separate balances-one was a charge off balance of {$7100.00} and the other was a past due amount for {$5900.00}, for a vehicle in which was voluntarily surrendered that I had cosigned for. I collaborated with this company via telephone and spoke with a representative there. Upon speaking with this gentlemen, I requested a bill of sale from this company for the amount in which, the vehicle was resold for and the difference in which was owed. The gentlemen, then abruptly to me that he could provide me with a breakdown of all of the charges including an impound fee, in which was not true. The car was surrendered from  XXXX  ' auto body and repair, after they had to be contacted several times by myself and the owner of the auto body shop. Again I requested a bill of sale for the resale of the vehicle and was told that it would be provided, this occurred in early  XXXX    XXXX  , and have not received any letter, bill of sale, etc. This was an attempt to settle a debt and this company is totally non-compliant with my request.
I was robbed at XXXX XXXX and XXXX XXXX they took my cards id and phone and passcodes and Bank of America rebilled me saying no fraud which is XXXX Im going public with this
initially, i took out a payday loan with netcredit and I was unaware their interest rate was 99 percent which made it impossible to pay back. In addition, the amount would be double the loan amount and online payday loans are illegal in the state of Virginia. Net credit is affiliated with Nc Financial Solutions, LLC operates as a subsidiary of Cnu Online Holdings , LLC. They are not XXXX accredited and these companies are clearly crooks, unethical and practices illegal actions targeting consumers. Lastly, it does not matter whether a debt collector is legitimate which they are not. A legitimate debt collector who collects an illegal internet payday loan can get sued under the Fair Debt Collection Practices Act.
American Express tells me that they transferred XXXX XXXX points as three XXXX referrals for the XXXX card, but they never showed up in my XXXX account. I have offered to provide screenshots of my XXXX account activity so they can verify, but they seem unwilling to help. They sent me XXXX points for my 4th referral, and the maximum for a calendar year is XXXX, so they owe me XXXX points. XXXX  According to this article, they may have had a IT glitch that caused the points not to be sent properly.
I complained to the consumer protection bureau about Equifax not allowing me to get into my account after asking 20 questions two different times. I wanted to put a PERSONAL STATEMENT on my credit report that said MY PREVIOUS BANKRUPTCY WAS DUE TO IDENTITY THEFT. This could have been prevented if EQUIFAX would have accurately investigated the problem. Now instead of putting the personal statement which I was SPECIFICALLY THE REASON I called about AND complained about, they wrote me a letter and purposely put a fraud alert on my file instead, making it harder to access my credit report. What is wrong with these people? How can I spell it out to them? They do not want me to have anything accurate on my file. I am so sick of this and I will now have to hire a lawyer again!
I have a loan with a company that has been continuous going up on my payments without my knowledge. Repossessed the car and still charging me as if I had the car will not answer any phone calls that have been made to attempt to clear up this matter.
I have been the victim of identity theft accounts were opened in my name fraudulently. 

- My current address ( copy of lease attached ) as of XX/XX/XXXX is : XXXX XXXX  XXXX XXXX XXXX, FL XXXX - Previous Address 6 months prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX - Previous Address for two years prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX I previously submitted a paper affidavit that was notarized and now I am including the official FTC Identity Theft Report filed with the report number. The following accounts are fraudulent and not mine. 

I have been the victim of identity theft the accounts were opened in my name and not done by me : 1 ) XXXX Acct # XXXX 2 ) XXXX XXXX Acct # XXXX 3 ) XXXX Acct # XXXX 4 ) XXXX Acct # XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX Acct # XXXX 7 ) XXXX Acct # XXXX 8 ) XXXX XXXX Acct # XXXX 9 ) XXXX XXXX Acct # XXXX 10 ) XXXX XXXX XXXX Acct # XXXX Please remove the following fraudulent inquiries not made by me : XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
On XXXX XXXX, 2017, I transferred XXXX bitcoins from my Coinbase " vault '' to my Coinbase Bitcoin wallet. As of this date the transaction has not been " approved '', leaving the money not accessible and unusable. The support team at Coinbase has not responded to my many requests for help or action on the problem. There is no way to get directly in touch with anyone at Coinbase. I have since withdrawn all my money from my USD Wallet. I am in fear of loosing the XXXX bitcoin, which is today worth {$2000.00}, a considerable sum.
Reverse Mortgage reported to have taken place on  XXXX   XXXX ,  XXXX  in TN.   XXXX   XXXX   regarding mortgage reported to have taken place but Mortgage  Servicer,   CeLink  in Michigan has not shared any information with new conservator. The former  Power of  Attorney for elderly  XXXX  man that obtained the reverse mortgage is suspected to have pressured him into taking out the mortgage. That Power of attorney has since been relieved of her position by the court and criminal charges are being considered. The new power of attorney and conservator is trying to stop the foreclosure and court house auction scheduled for  XXXX   XXXX ,  XXXX  in  XXXX  TN. The person being foreclosed on is  XXXX   XXXX   XXXX , has  XXXX  and multiple physical health conditions, the former POA placed him in   XXXX   XXXX   on  XXXX   XXXX ,  XXXX  and where he remains, unknown to family members until family found him. Evidence at this time shows that the mortgagee gave her POA in  XXXX  and since that time she violated her power by selling of other land property, used his social security benefits and retirement pension and funds from the reverse mortgage.  Mortgagee w ants to return to his home and arrangements can be made for him to return to his home if CeLink Mortgage  Servicer  will stop the foreclosure which the family believes was fraudulently conceived and executed by the former  POA and that Mortgage Servicer is aware of at this time. The mortgage Servicer was  contacted by email on  XXXX   XXXX ,  XXXX  and request was made by this complainant to stop the foreclosure. The sale of the property was delayed from  XXXX   XXXX ,  XXXX  to  XXXX   XXXX ,  XXXX  but that time has not been sufficient, and the mortgage servicer has not submitted needed documents about the mortgage to allow the family to take legal action against the former POA or the mortgage servicer.
Hello Respective Officer, HEre Iam writing this complaint against EXPERIAN - XXXX [ XXXX XXXX was the person who handled my Insurance file ]. 

I had XXXX XXXX in mine and my Husband account and they were stolen in a FRadulent way from both of our accounts, the fraudstaers claimed themselves as representatives of XXXX [ Digital Assets  holding company ] and took control over our accounts and moved the digital assetts from our account to theirs! I reported this incident to the XXXX in two hours and requested to hold the transfer but it was already transferred and they couldnt hold the transfer! And since then I updated them the whole situation and how the fraudsters claimed themselves as XXXX and cheated and stole the assetts but I was left with Rejection! 

I tried my best explaining the situation to XXXX  but they rejected my REFUND .Hence I had to reach the insurance provided by EXPERIAN [ XXXX ] for me, Identity Theft which also covers FRaudulent activities! After submitting all the, they rejected saying these are not financial assetts .I dont want to accept the reason for Rejection as this was a complete Fraudulent act which was covered under the insurace! 

THankyou and looking for justice and REFUND! 

I do have a POLICE complaint in place and email conversations and any other proofs needed!
I have received a notice from Credit Management LP, in regards to a balance what XXXX XXXX XXXX. This charge is for the equipment which was returned, and in a timely fashion. The balance is still being reported and is inaccurate.
I 've paid back my loan plus {$8000.00} interest. The variable rate has started and stayed at 8.5 % ( the highest rate ). I 've asked why it has n't changed at all and they said " it 's based on the market ''. What the XXXX is that supposed mean??? The market has been horrible and great in the last 9 years and it has n't changed at all. I feel like I 'm getting scammed. I 've paid back my loan with interest and I still have {$28000.00} to go. I initially started with a {$39000.00} loan. What can I do?
I was approved for a loan modification, however the figures used were incorrect. I asked the bank to please relook at the figures before I committed to a loan modification. Bank states this is what they have on the financials for me Gross pay {$14000.00} Net {$10000.00} {$6800.00} - Extra income to work with each month. ( Wrong ) My actual income gross monthly is this : XXXX {$5800.00} Gross XXXX {$3000.00} Gross I was told by the bank that the foreclosure sale on XXXX.17 would be postponed while this was appealed.However the court docket shows as follows : Sheriff # : XXXX-XXXX Court Case # : XXXX Sales Date : X/X/2017 Plaintiff : M & T BANK Defendant : XXXX XXXX. XXXX, XXXX AKA XXXX XXXX XXXX XXXX , AKA XXXX XXXX XXXX, XXXX, ET AL Address : XXXX XXXX XXXX XXXX XXXX NJ XXXX Approx. Upset* : {$240000.00} Attorney : XXXX XXXX  XXXX, XXXX Attorney Phone : XXXX Status History Status Date Amount Name Scheduled X/X/2017 {$0.00} Plaintiff Buy Back X/X/2017 {$100.00} M & T BANK When I call the bank they state the home did not go to sale but will not instruct XXXX XXXX to correct the recording with the courts.
I pay my mortgage to bank Seterus every however they failed to make a payment in XXXX 2013 city hall called me threatening to take me to court. I tried to call Seterus to resolve the issue and I encounter one incompetent representative after another and many of them hang up the phone. I tried for a week now and have n't made any progress to resolve this very urgent issue it seems like no one know there job.
Hello, We received a check from someone who we thought wanted to stay in our rental unit. That individual claimed that the check came from their place of business and that they accidentally sent too much money as some was intended for their travel agent. They asked us to refund a portion of the check to their travel agent. 

We waited until Chase confirmed that the deposit was accepted and then refunded a portion of the check to the individual via Chase XXXX ( XXXX ). The individual then stated that a work obligation came up and they would no longer be able to stay in our rental unit. We then refunded them an additional portion of the check via Chase XXXX as Chase had shown the funds were available and I never received a message from Chase that there was a bounced check. 

Unfortunately, I now come to discover that the check had bounced. I am shocked, disappointed, and angry that Chase did not immediately notify me that the check had bounced. As someone who has never bounced a check, this should have been setting off alarms at Chase and they should have contacted me via phone, email, text, or anything to notify me. I did not even receive an internal message when I log in that the check had bounced. 

I called Chase 's fraud & claims department and they were not willing to assist me at all. I spoke with XXXX and he was not helpful or sympathetic to my matter. In total, we were defrauded out of {$3000.00} between 3 payments via Chase XXXX. Chase 's current policies and customer service will continue to help criminals while hurting and angering their loyal customers. Chase should have immediately warned me that the check had bounced and I would have been able to help prevent additional fraudulent activity. Chase also should not have shown the check 's funds as available only to have it bounce later on. 

{$3000.00} is not a material amount of money to Chase, but to my wife and I, who are loyal Chase customers, it is.
This debt collector contacted me at my job, I asked them not to call me, they went through the entire company directory however my work phone number is for work-related business matters only and I can not accept personal calls. The company is portfolio recovery and they keep harassing me calling from various numbers.
In follow-up to my complaint number XXXX, SPS has yet to address their correspondence and request to set-up automatic drafts of my account that was mailed to me in XXXX XXXX. Instead they continue to turn back to the excessive auto-draft, but this was not the only issue. My complaint arises from more than that singular issue, but the series of errors that SPS made and then refused to address or correct. SPS keeps stating that the only issue was their overdraft of my account which took place under authority I extended them back in XXXX. If this was truly the case, why send me a letter and form to set-up auto-drafts with my loan modification documents in XXXX XXXX in order to maintain currency on my accounts? Per SPS 's statement, this would not be necessary because supposedly they already had my authority ... though their customer service team throughout my loan modification process continually stated otherwise and that I would need to set-up a new auto-draft once my modification was complete. SPS continues to lie about their actions and responses and this is why I will continue my protest until I am made whole. It is SPS 's correspondence of XXXX XXXX that contained the instructions to complete the auto draft form, submit it, and in the interim make check payments. It is this written request and direction from SPS which made me mail payments for my XXXX and XXXX mortgage even though they had already removed an excessive amount from my bank account ( I just was not aware of it yet ). From there, SPS attempted to process XXXX these checks - not once but twice after I had already contacted them about the error in their overdraft. Despite my repeated requests for correction, SPS failed to respond for months, specifically from XXXX XXXX through XXXX XXXX. It was after I filed a complaint with CFPB that SPS slowly began addressing pieces of the fall out to me. In lieu of acknowledging their error, they preferred to refuse to credit my mortgage accounts appropriately, refused to credit me the {$110.00} in bank fees I incurred, and instead decided to report my account as late to credit bureaus because of the {$110.00} ( disputed amount ). I should not be penalized for SPS 's errors with late reports on my credit when I have not been late ... only defrauded. It is this type of unscrupulous behavior why CFPB was formed to help protect consumers against.
XX/XX/2018 TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : { XXXX XXXX XXXX } Account # Alleged Balances of XXXX and XXXX are unverifible To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

{ XXXX XXXX XXXX } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
In XX/XX/XXXX, I was unable to pay my mortgage through Loancare for that month. I made an agreement with them to pay the XX/XX/XXXX payment over a 4 month period on top of my regular payment of {$800.00} a month. So for the next 4 months I paid {$800.00} plus the {$200.00} for XX/XX/XXXX being over {$1000.00} on a monthly basis for the next 4 months. During those 4 months it was showing that I was late on my payment every month summing it up to {$50.00} in late fees. When I finished with the payment plan I called Loancare and inquired about this late fee that was accrued while I was on a payment plan. The customer service representative looked into account and confirmed I was on a payment plan and waived the fees. 
I still do n't understand why my credit report still is showing late payment when payments were made on time while I was on the payment plan fromXX/XX/XXXX-XX/XX/XXXX. Can you please assist me in updating my credibility by removing late payments during those months on my credit report? It is hurting my score. 

Thank You
I bought an investment home the rent was supposed to cover my mortgage right after I closed on the property I was denied access to the property due to a forged deed.I made a title claim I explained to Wels Fargo and told them I ca n't pay the mortgage due to the fact that I ca n't rent out the house.I was told not to worry that I should not pay Wells Fargo and it will not ruin my credit today im a victim of fraud and now my credit shows a whole bunch of missed payments due to the mishandling of wels farg.I have reached out to Wels fargo many times and the they promised to remove the late payments from the credit reporting agencys
I received a debt collector letter states I own them money from XXXX mastercard. However, I never apply and use this credit card before. I called debt collector, XXXX XXXX and XXXX XXXX and they do n't have any detail since they bought this debt. I called XXXX mastercard and they said they do n't have any detail either since they sold the debt.
They say I owe them and and I don't and I want them to take it off my XXXX XXXX XXXX and them charges I told them that it's not fraud and I want it off my report.
COMENITY BANK /XXXX ACCOUNT # XXXX KEEP SHOWING UP ON MY XXXX CREDIT REPORTS ( XXXX , XXXX AND XXXX )
Hello my name is XXXX XXXX and I. Am upset.. I have been trying to close on a short sale and was told that I could get up to {$3000.00} in moving cost at closing.. But was just told after I signed the paper work stating i would receive last week that this week I was n't entitled.. I have been in and out the hospital due to XXXX and staying at my sisters but maintaining the property, property insurance and still have valuables in the house ... I have been told for the last 6 months I was entitled to the exiting funds ... Wells Fargo has done enough to my family and I..i was a victim of predatory lending where brokers and Realtors went to jail, I have had to let the house sale for XXXX instead of them letting me purchase the home, and lol I 'm asking for is my exit funds of up to {$3000.00} .... On the paper i signed it states {$750.00} if we closed after closing date and then I would be entitled to the {$1000.00} if we closed before the closing date .... Also the law has changed it is now up to {$3000.00} for exit funds. I just want what 's do to me ... I still maintain the insurance on the property and my belongings are there ...