WillisBack/dataset-financial-user-claim huggingface dataset:
A number of Wells Fargo bank accounts and other WF products were opened by XXXX XXXX and other Wells Fargo employees at multiple Wells Fargo locations without my consent. I want a full investigation as to determine how many accounts were opened, including all Wells Fargo products, why and how did this happen. I want the money returned that moved through these accounts and all WF Fees creditied. I also need an identity theft letter from Wells Fargo and compensation for costs incurred as a result of WF staff using my name and identiy to open accounts. I want a full investigation please.
capital one credit card is not helping us and I have a real issue with their charging an annual fee booklet and their executive response team info
I saw a medical collection from IC Systems on my credit file that I was not aware of. I disputed the information with the credit bureaus because I did not know that this debt was for. But, instead of providing verification of the debt, the split it into XXXX different accounts and reported all of them to my credit file. So not instead of XXXX collection with a {$3400.00} balance, they are not reporting XXXX collections with smaller amounts.
I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, equifax, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and ID theft report which are attached. I am requesting these information to be block from my credit report a in accordance with the FCRA.
I have disputed these XXXX accounts twice XXXX XXXX and XXXX XXXX because they are not licensed to collect in my state they have sent report saying verified as accurate which mean they did not investigate these account correctly
Looking at the original loan amounts totaling {$37000.00} at 8.25 %, when using the loan calculator for a 25 year repayment plan, the amount should be {$300.00} a month. I have been paying {$360.00} a month which would be {$68.00} more than what I should have been paying. for the past 17 years, I would have overpaid {$820.00} every year for a total of {$14000.00} overpaid in 17 years. I have paid {$75000.00} towards my loans and am being told that I still owe {$23000.00}. How is it possible that I still owe that much money? I feel like I am being overcharged in this situation because my amount still due NEVER seems to go down. I realize that I may be off a little in all of my payments an things, but with everything that is going on with Navient being sued right now, I feel that I fall into the group that is being taken advantage of by them. I am looking for some sort of help in determining what options I have so that I am not paying these loans for the rest of my life .... I am a XXXX and tried for the XXXX  loan forgiveness, but they claim that I make to much money to take part in that. And my current loan information says that my loans won't be paid off until XX/XX/2026 .... I just don't understand how this is possible and am looking for help. Thank you.
My husband and I are XXXX and receiving Social Security. In XXXX I lost my part-time job and my husband became XXXX. We were not able to pay our property tax for 1 1/2 year. {$1100.00} in XXXX and {$2200.00} in XXXX. I went to Tax Assessor Office so we can defer our payments ( See attachment : Deferral Affidavit ) and was approved. My husband and I planned to pay-off the car ( which is almost done ) first, then we can proceed with the property tax. I received a call from Wells Fargo Mortgage XXXX XXXX, XXXX informing us that WF Mortgage paid our property tax and immediately repay them for {$1000.00} per month that is including our mortgage of $ XXXX ; therefore the {$410.00} goes to the property tax they paid. The {$410.00} will be paid for 24 months as told by WF Mortgage ; this will total to {$9900.00} in 24 months which will inflate to 200 %. I told WF Mortgage that we can not afford it and importantly, we were approved by the Tax Assessor Office of deferral payment. I also informed WF Mortgage that there was no agreement to pay them escrow ( See attachment : Loan Payment Information ). Paying them this amount monthly will cause us to lose our retirement house and will result to severe hardship.
I opened a account with XXXX XXXX and they put a security hold on the account for months blocking me from changing the address and even speaking with someone on the phone in regards to servicing the accounts like updating the address and or getting account information. Every time I would call I was told I needed to speak to security and they would give me a list of things to send in. I even went into a branch in XXXX Ga ans after giving them the information they wanted they also told me they would update the address only to find out it never happen. I than later called got login on line to find the credit card was past due 30 days. I never activated the card it was not a annual fee it was a card shipping fee. It was taking off by XXXX XXXX  as they have agreed yet my credit is destroyed! They tell me there is nothing they can do. this is insane I never use the card and was told the account was closed until I cleared things up with security. Please step in so I may fix my credit.
Wakefield and associates keeps calling everyday at least 10 times a day repeatedly, and I have told them to stop contacting me because my hours of work are   XXXX   XXXX   to   XXXX   XXXX   and when I get off of work it is inconvenient for me to get a call so late at night.
Home Depot is reporting a 30 and 60 day late payment for the corresponding months of XXXX and XXXX 2015. What happened was that I have this account on auto pay from my bank ( XXXX ) and they neglected to make the payments and was told that it was due to a processing error. I spoke to Home Depot and they did credit me the late fees for both months, however they did not reverse the late payment reporting to the bureaus, which is why I am writing to you today to seek your assistance in this matter since its affecting my credit score.
XXXX XXXX XXXX Date of service : XXXX/XXXX/XXXX {$89.00} Collection Information XXXX XXXX XXXX, FL XXXX : XXXX XXXX XXXX The reason this was NOT paid was because my entire XXXX bill was under dispute for at least 6 months due to incorrect coding. WHen it was finally resolved by the physician, I thought that this was part of my coverage. Evidently it was a separate service I owed them this amount. I should have paid them at the time but completely forgot. 

My issue has more to do with the collection agency -they left me ONE message about 2 weeks ago. They claim that they sent me a notice. They DID NOT! I paid the bill in full but again, they should have sent me a notice in the mail and I know they did n't.
Hello, I was scammed by a person over a resale app. The money was sent by XXXX and was directly accesssed by US bank online menue. 
After the scamner received the money, he was supposed to send me the tracking number right away. 
I did not receive a tracking number nor a product. 
I called US bank to dispute and they sent me a rejection letter. 
Called the XXXX number provided in the letter and was transferred 5 times calling the number that I was supposed to call had I had any questions. 
Went to a branch, the manager refused to talk to me said that I need to call the 24 hour banking telephone line. 
I told him how he is not willing to hear me discuss a fraudulent scenario before there are more victims, as a bank manager???!!! 
I came and XXXX some info to find out similar issue with banks and this money transfer company called XXXX.
I graduated from XXXX XXXX College with around {$70000.00} in private student loans from SallieMae with a very high interest and around {$30000.00} in federal student loans. I was hired right away as a XXXX with a salary of {$36000.00} a year. My total payments a month are {$760.00} for my private loan and {$160.00} for federal loan with a total monthly payment of {$920.00}. My monthly income is {$2000.00}. Which means just about 50 % of my income is going to my student loans. I am unable to live off of the remaining money. I have tried to refinance ; however, they say that I can not because of my debt to income ratio is too high. I am stuck with this huge student debt that I am not able to pay and live.
AFNI, INC. reported a debt that was not mine to XXXX despite the fact they could not provide enough detail to prove any debt was owed. I called AFNI on the day I received their notice, and immediately sent a written request for more information, upon their suggestion to do so. 

Regardless of the fact that the this issue is still being investigated, and not my debt, they have reported it to the credit bureaus. 

This is a harassment tactic.
I received and replied with the information to be included in the Provident Settlement. 
I did not receive a check in the mail The Provident settlement administrator website can not be found and the phone number XXXX just has a busy signal every time I attempt to call.
According to the terms of my paypal credit and the most recent statement my payment should be {$25.00} however paypal claims it is {$120.00} after 7 hours on the phone they refuse to correct this obvious mistake. The minimum payment is {$25.00} not {$120.00}. They also refused to allow my to dispute a charge of {$390.00}. Many calls were placed to paypal and paypal credit in regards to an item that was delivered broken and useless. First the claimed that the time limit was 45 days when the written invoice stated 180 days. After many calls disputing this fact finally they agreed to a refund, but that was not true and many months later now state that it is past the 180 days so nothing can be done but every effort was made to dispute the charges immediately upon arrival of the product in bad condition. They state that it is not possible to communicate with anyone beyond customer service and that there is nothing customer service can do. It is very troubling when a company and take XXXX of dollars from you in fractions of a second but any effort to correct a mistake or protect the consumer from fraud can only be done slowly over many months and in writing.
I tried several times to do a loan modification with Selene that was denied. I ended up filing for bankruptcy and surrendering the property. Selene Finance is now attempting to do a sale of the property. Selene never gave me notice in writing that they were attempting to foreclosure on my property. I understand that if I didn't pay that it would happen but I never got any paperwork to show that I foreclosure was being done. I owe to much to keep the property and that's mainly because they kept denying my loss mitigation packages. I even attempted to give the a deed in lue of after the bankruptcy and they denied that also
When I first bought my home it was through XXXX, and something happened to where XXXX went bankrupt but they never let me know anything, I had requested documents from them as to the note, the payments and how they were being applied the balance but yet never received anything, and due to all this I too ended up filing bankruptcy and then XXXX bought out XXXX and when I was calling I was told to talk to XXXX, but they too never let me know they had taken over til after the fact, and when XXXX talked to me they stated that they were escrowing the account and putting it at a 3.5 percent, and if I received anything from them it would be for information purposes only and that they were not going to reaffirm the loan so it had been discharged with the bankruptcy, I then asked for the documents that they had received from XXXX they never sent anything to me I was immediately again in the dark about what they were doing, and about all aspects of the loan, and it was questions after questions and left unanswered. And then as I kept calling XXXX it came to where they told me that they were no longer over the loan and that I needed to talk to SPS select portfolio servicing, Inc. @ XXXX XXXX XXXX@XXXX XXXX  XXXX XXXX XXXX XXXX, Utah XXXX - XXXX and here we go again no one told me that they were no longer over the loan and SPS did not contact me either, and here I had no documents, and I explained again the problem to SPS and I again received nothing, they are running with amounts and too have handled the loan at the level of information purposes because of bankrupt, but there has been no transparency other than what they say and that is a problem that has trickled down starting with XXXX who left me hanging when they filed bankruptcy, and here I am in this horrible situation of losing my home, and just like XXXX and then XXXX and now SPS this customer rep XXXX XXXX has advised me not to send in any payments, that finally they are sending some documents, what I gave learned unless if you are in this field or very savvy about what they are doing they take advantage of people, I owe more than my house is worth but still is my home and want to keep it that way. I have been in the XXXX XXXX for over 33 years so where else can I run to, I do not know what is or is n't true with these banks or mortgage companies, what I do know is that this mess started with XXXX and here this giant went bankrupt failing its customers, so what do they expect from the little guy. I need someone who knows about these things to look into this because want to lo my home, it is not my fault what happened to XXXX and this mess that has trickled down, thank you, and feel free to contact me @ XXXX.
Several transfers were made and we ended up with Nationstar Mortgage company. Spouse passed away suddenly XX/XX/XXXX and I continued to pay the mortgage installments until the property was sold in XXXX. The sale price was based on the monthly online statement received. There were also several advertisements offering to refinance the loan. The amount outstanding on those offers matched the online statements. It was not until the sales contract was prepared that another {$4900.00} ( deferred interest ) was tacked on. Because of this add-on, I had practically no " gain '' from the sale of the property. I believe this is unfair because it should have been included on everything I had received or viewed from Nationstar during the 2 year period I was paying the note.
My grandmother received several emails from MoneyGram stating that her account had been created, a transfer had been requested, the transfer had failed, and more information was needed. My grandmother does not know the sender and she did not set up an account with MoneyGram using her email address. I emailed MoneyGram indicating that I was reporting possible fraud. I received an email back indicating that I must be searching for a locations and the email gave me directions on how to find them. I called into MoneyGram and indicated that I was reporting possible fraud. The XXXX rep was marginally helpful. The XXXX rep would not discuss the " account '' with me. I tried to explain that I 'm not trying to discuss an account, I 'm trying to make sure no one is using my grandmother 's information to send money. The only " resolution '' ( I use the term loosely ), the rep could offer was that my grandmother had to call in herself. I asked what, if anything my grandmother could do if she called in ( clarifying that I was asking about the standard procedure, not any details related to the account ). The rep said she could n't give me any information and that my grandmother needed to call back in.
I was offered to have an XXXX citi card as there are no international fees if you use the card overseas. Bought my tickets with the card after i got approved. Before I leave the country I filed a travel notice and was provided a ref. no for it just so I could use the card. The consultant I spoke to assured me that my card is goodcto use. I tried using the card to make a purchase 5 days after but it got declined. So, I pulled up my account online and saw that there was a fraudulent hold placed on my account as I was overseas. Called citibank and spoke to different consultants and managers but no ones seems to know how to help me. They ask me for my personal informations like account password, date of birth, social security no. and banking information but they said they cant release the hold as they cant verify my phone no. as it was a prepaid phone.They did n't even tried to offer any other resolution as i was overseas. They finally told me that I need to go back to U.S. to fixed the enquiry. I spent probably almost 6hrs on the phone, trying to be nice and patient but none of them was being helpful. They keep on putting detailed notes of resolutions that they didnt do making me look bad everytime I would call them. Now, they would talk to me in a rude manner asking me to fax my infos ( such as social security card, Driver 's license, Permanent resident card, proof of billing etc. ) to them which clearly wouldnt work as I 'm overseas without access to fax and is using a local philippine mobile no. I want to now make a formal complaint as this was not my fault to begin with. The agent i spoke with put notes on the account about the travel notice but failed to apply the travel notice itself on my account and still they wouldnt accept it as their fault and release the card.
Cap One is reporting on my credit report that I have no knowledge of. I have contacted this debt collector for proof that I owe this debt and they have repeatedly denied my request and have not provided proof. This debt does not belong to me by any means and is reporting inaccurately and hurting my credit. I should not have to suffer for inaccuracies reporting on my credit report that are not my debts. If they can not provide a breakdown of fees including any collection costs and medical charges, provide a copy of my signature with the provider of service to release my medical information then I demand that they cease any credit bureau reporting until debt has been validated by me.
I have once again unsuccessfully been able to have my payments show posted on all three credit bureaus with XXXX after over 300 hours on the phone, with phone records I have kept and now two complaints to have payments posted as reflect with bank statement showing date on all checks cashed by XXXX as of XXXX XXXX for my XXXX loan. I have also asked for my FICA score to be reversed due to XXXX not submitting payments made since XXXX XXXX after cashing checks with my XXXX loan. Which has also negatively affected my credit score. I am now asking for this important matter to be reopened due to printing out all three credit bureau reports as of yesterday showing payments still not being shown as made and credit score reversed. 
Sincerely, XXXX XXXX
Im writing to file a complaint about portfolio rc. I previously filed a dispute with XXXX   regarding the matter and they just sold the debt to another collections agency once XXXX  removed it. I have tried to dispute it with them and they have advised that the debt is legit and they will continue to pursue.
Today, XX/XX/XXXX, I noticed a charge of {$24.00} on my bank account taken out on XX/XX/XXXX. The merchant description was XXXX* Credit Report ( XXXX ) XXXX CA. I called XXXX  to file a compliant and they claim my account is free and never charged my account. I disputed this transaction with the bank and they said I had to call XXXX. The money was clearly deducted from my account and someone has the funds.
On XX/XX/2015 this debt for {$800.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Under 12 CFR 1024.38 ( b ) ( 2 ), the servicer must properly evaluate loss mitigation applications by providing accurate information regarding loss mitigation options available to the borrower and ensuring that a timely review is made of said application. The procedures must also comply with 12 CFR 1024.41. I made an application for a loan modification and it was not fairly or properly processed. It was denied based on erroneous information. 

On or about XXXX XXXX, XXXX I requested a loan modification from FCI Lending Services , Inc. On XXXX XXXX, XXXX, I received a letter from FCI Lending Services Inc. indicating that I needed to provide additional information ( the XXXX and XXXX federal tax return and the last XXXX paycheck stubs ) byXXXX XXXX, XXXX. I sent the additional information on XXXX XXXX, XXXX by express mail and it was received by FCI on XXXX XXXX, XXXX. 

On or about XXXX XXXX, XXXX, I received a letter from XXXX XXXX, who appears to be both the CEO of FCI Lender Services , Inc. and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX as trustee of the XXXX XXXX ( the proposed investor on my alleged loan ) via XXXX XXXX, he denied the loan modification based on " insufficient income ''. " Debt to income ratios XXXX siting the average monthly income on PAST tax returns of {$9200.00} and not the current income submitted which shows income averaging over {$17000.00} per month in XXXX. The XXXX paystubs that were sent to FCI, Check # XXXX dated XXXX and # XXXX dated XXXX respectively show income totaling {$34000.00} during that two-week period which was completely ignored. The denial was based on erroneous information. 

My loan modification application was not properly processed as it ignored the current income and based the decision on past revenue which is not relevant today. 

Additionally, I have requested a complete detailed explanation of the current deficiency which has gone unanswered. I believe the current monthly payment is also incorrect and does not reflect the terms in both the Truth in Lending Statement as well as the actual terms of the Adjustable Rate Note.
Please Help! Nobody, explains the process and several " Homeowner Support Specialists '' have handled my file changing hands constantly, information gets lost and the process has been held up due to delays with the servicer for several months, waiting on modification for months ... this is a nightmare.