WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, Wells Fargo put a hold on my account. No efforts were attempted to reach me. On XX/XX/XXXX, I visited a Wells Fargo branch and I was told that an executive business decision was made to close all my accounts. No explanation was given beyond suspicion of fraud. Interestingly, the same thing happened to my sister on Friday. Now Wells Fargo intends to hold my funds until the end of the month and I have no cash on hand to tide me till then. When I was told that my account was under investigation for fraud, I told them to bring in the cops and lay the evidence on the table and I will also provide evidence to clear my name but they did not respond to that. Wells Fargo has the right to decline to do business with me, just like I have the right to decline to do business with them but they have no right to hold on to my funds until the end of the month. In the judicial system, it is innocent until proven guilty and not the other way around. My rights are being violated and I believe I am being discriminated against because my last name indicates a different heritage other than U.S. 
If Wells Fargo believes that I am involved in fraudulent activities, I demand that they provide the evidence and If no evidence is found, I demand that I be compensated for emotional distress and violation of my rights. They can not benefit from doing business with my held funds and making money off it for the next 11 days. Also, they do not have the right to violate anybody 's rights just because they can. They are not the police, judge or jury. This is bad business practice and should be illegal. If any illegal activity is suspected, involve the law but do not damage an innocent person 's image in the process. 

Consequently, closing my account due to suspected but not proven illegal activities will have a negative effect on my credit report. This is America and this is a violation of my rights. We are not in a dictatorship. I invite Wells Fargo to submit their evidence and I look forward to clearing my name.
Hello, I am a recent graduate who started the XXXX fellowship beginning XX/XX/2018. I was trying to defer my loans as most of my colleagues did as we don't get paid full salary. I called Navient several times to make sure I could qualify for deferral. The issue is that in their application form they require to have a XXXX XXXX degree to defer the loans. I graduated with XXXX degree, XXXX XXXX degree and my XXXX degree. XXXX XXXX was the one I was able to skip using my XXXX XXXX as a prerequisite and get my other degrees. When I called the first time, they told me there was no issues as my degrees considered to be higher than XXXX XXXX. I filled out the form through my fellowship program but was denied saying that my program begin date was more than 30 days in the future and I needed to resubmit my request within 30 days of the program start date. That didn't make sense as I was several weeks into the program. When I call back, I had another conversation with a different person who said that was a mistake in the system, but I still didn't qualify because my fellowship was different from other fellowships. If that would be a fellowship or residency in the hospital, that would be ok. I don't see what is the difference because we all make post-doc salary no matter where we work. They told me I should try income-based payments. I called the third person a little later. They were ignorant and told me that I wouldn't be able to get XXXX XXXX degree without my XXXX XXXX. I am completely lost. Everyone is providing different information. I eventually requested the income-based repayment and of course it was approved with much higher payment that I could comfortably afford. I just want to find out if there's a person who can tell me for sure who is right and what I am eligible for in that company. Thank you in advance for your help!
I have opened a Home equity line with US Bank on XX/XX/XXXX, Account number XXXX with approve credit line of {$150000.00}. 
From that date, I never use this Account. I moved to Texas in XXXX, and close checking, saving Account with US bank but not Home equity line. I have note them my new address at Texas, and they have send me the Premier line XXXX date XX/XX/XXXX. From that date, I did not receive any information, statement from them. 
Up now, when I check from credit report, I know that there are a balance of {$63000.00} from my Equity line account. I call them and they said that is annually fee charge of {$90.00} and that charged is for 9 years. I complain why they did not send us any statement or XXXX to report this charge, they said that may be I did not update the new address!? As above mention, I have receive their Premier line XXXX card on XXXX, and my daughter live there in the house at California ( House that I apply for this equity line ) she did not receive any paper from US Bank. The manager told me that the fee charged is not refundable. 
I really feel bad about this and want to ask for help.
Upon reviewing my credit report i have noticed several items that are not mine. I have submitted to the credit bureaus to validate this information and i have also contacted the companies in question. They have yet to remove the inaccurate accounts and need to remove immediately. 
I have also research the laws and FCRA to find that the only negative information listed must comply and these accounts have not complied due to the following : 1. I have not entered any contract or agreement with this companies. Accounts can only originate from a contract or agreement. I have no signed agreement or ink signature of any. 
2. FCRA requires notification prior to submitting any negative information. I have not received any such. 

Remove the following : 1. XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX / Child Support ( multiple listings ).
I was a loan modification process with XXXX. I sold my home in the midst of this process. Never once was I informed with any paperwork or verbal conversation that I was in " foreclosure! ". I sold my home on XXXX/XXXX/16. XXXX is has reported to credit bureaus as " foreclosure '' and just as recently on XXXX/XXXX/16 a missed payment??? I have tried numerous times to contact them and I never get a response!! XXXX is damaging my credit and it needs to be removed immediately. I can support my situation with the letter I begged to receive from XXXX showing PAID IN FULL. Please help!! 
Thank you!!
I contacted XXXX XXXX as Well as Navient to resolve as to why I was being called asking to defer or go into forbearance when I had been caught up on payment since Mid XXXX XXXX. When I spoke to XXXX they had no record of contact or loans since XXXX XXXX XXXX and that my loans were most likely transferred to Navient withot informing me. The gentleman then offered to transferred me to Navient. However when transferred I was Hung up on. Upon recalling Navient I was immediately told my account was over 100 days past due prior to even asking why I was calling. While trying to establish who I had been paying and on what loans XXXX ( the woman who I was speaking to ) continued to raise her voice and be unwilling to listen to what I was trying to resolve and told me my loans were most likely private loans and transferred me to that department. Upon transfer I was put on a loop with options that only left at the initial menu. I called again, after giving my social I was hung up on. Once again I called for a fourth time the person had no record of me graduating and listed as still in school even though I graduated in XXXX XXXX and had been making payment since XXXX XXXX. This person informed me they were going to transfer me to customer service to sort out why I was uninformed of my loan transfers to Navient from XXXX XXXX as well as how to straighten out " missed payment '' and " still in school status '' at which point I was once again hung up on and unable to reach a representative on call back. Since these calls I made on XXXX/XXXX/XXXX between XXXX EST and XXXX EST I reached out on XXXX on XXXX/XXXX/XXXX to consolidate my loans with another company to avoid the continued run around an lack of information from Navient as well as hits on my credit score and late payment fees.
XXXX XXXX XXXX has repeatedly called me over a debt that is not mine. This debt is owed by a relative, and they specifically say on their voice mail messages to me that they are calling looking for my relative, and they use the relative 's name. They have been asked to not call me, as I am not that person, it is not my debt, and I am not going to provide them any information as to how to reach this person. They are also very deceptive in their tactics, stating that I was used as a " reference '' for this person, when they are clearly only trying to get information to hunt down a debtor. They have also contacted me AT WORK, and contacted my sister AT WORK about this, after they were told not to. This is in direct violation of the Fair Debt Collection Practices Act, which states that a creditor may reach out to a debtor 's relative 's ONE TIME to try to find them. I have been called multiple times over the last few months. So far this month, they have called me on XXXX XXXX, XXXX at XXXX XXXX, and XXXX XXXX, XXXX at XXXX XXXX.
The following debt is over XXXX XXXX XXXX. The debt was sold to a collection who then sold it to another collection and the open date they are using is the date that the collection received the date. 

The last activity with both debt were XXXX. I have contacted the creditor, collection and disputed with the credit bureau and I got no resolution.
I had opened an account with XXXX XXXX and had charged over {$1000.00} roughly a few years back and I had contacted them and worked out a payment arrangement for {$400.00}. Last year when I checked the credit bureaus as we were going to refinance for a better rate. The account was closed and charged off. No I failed to get proof. Three weeks ago on XXXX, I was served with a Civil Summons as I was named as a defendant in a suit for the amount of {$740.00} as the account was bought by a debt collector. I received no notice, only served with a court date on XXXX. I am XXXX with a XXXX XXXX injury and will go to court as my name is on the affidavit, and I abide by the law. As I was preparing rides, times, and documents I read the Civil Warrant that I was served with and they are also seeking Court Costs. I am on a fixed income and due to the XXXX in XX/XX/XXXX at an early age in which I had just started my career after spending years getting a college degree and was ordered by a judge XXXX   XXXX  XXXX despite my pleas. My medical bills take more than I draw. However, I noticed that the Attorneys for the Plaintiff, one in XXXX KY and the other stamped on the court document is with a PO Box in XXXX. I also noticed on the attached Affidavit that is from the State of Texas County of XXXX and the Custodian of Records for the Plaintiff, a XXXX XXXX XXXX employee assigned to the Account who does business at XXXX XXXX XXXX in XXXX Virginia under penalty of law attests that I Owe the company she works for the sum of {$770.00} as of XXXX but claims the sum of {$740.00} is due as of the date of the affidavit. Her name is stamped in 2 places in the state of Virginia and Notarized in Texas that the Signatures were signed under no duress by the company who employed her. The court I have to go to is in Tennessee also. This is the 2nd time I have had to go for these bogus charges and the last one that the date was set by the attorney did not bother showing up and the judge called them to rescheduled and said they had forgot. They set the date. I am so tired, stressed and honestly sick and tired of the games these people play unfairly!
i am severely XXXX XXXX ( XXXX XXXX   loss ) i took this loan in XX/XX/2018. when i took this loan i asked very respectfully for them to please do not call my cellphone as i cant hear on it and it will just annoy and upset me. i signed up for text and also provided them with my email address but these people have no consideration for a person with a XXXX XXXX, they have called me approximately XXXX since XX/XX/2018. they have called my contacts and been told by my family and friends that i cant hear on the phone but they still continue to call me anyways, several times they called 3x 1 call after another in 3 minutes time from blocked phone number, they left a voice mail like all the others telling me to call them knowing i am XXXX and cant hear on the phone. i am totally annoyed and feel discriminated as well, this behavior is unacceptable and i believe its illegal since they already know about my XXXX but still call anyways knowing its gon na upset me. 

i have emailed the corporate management via email i found on their website XXXX and gotten no reply what so ever. i also went to the chat on the website and no reply! IGNORED they expect mandatory telephone communication from a XXXX   person.
I own a rental house located at XXXX XXXX XXXX, XXXX, TX XXXX. I received an approval for a permanent modification that I had made 4 trial payments before they approved this final approval dated XX/XX/19. The modification is written like a hard money loan with all kinds of bogus fees and late charges that I didn't know I was being charged. They also have the terms of this modification to included a balloon payment of {$100000.00} at the end of the payments. Please review these modification documents I will send with this complaint and it will show you everything I'm trying to explain here. The 3 -4 payments that I had paid were put in a forbearing account and not applied towards the mortgage balance. It appears to me that not any of the payments I've made over the past years were never applied towards the principle balance. Instead they have increase the original loan to over {$70000.00} in fees I just don't understand. I thought that a loan modification was to help not punish me because I had some hard times. I've suffered through 2 hurricanes Ike and Harvey that caused me damages and my house is in need of much repairs. This lender has inflated the value of my house by over XXXX XXXX XXXX dollars. They had a broker do a BPO that was done by computer sales of properties with the same square footage, but they were not in the same community as well as these houses were not in need of repairs as mine is. Please help me understand why this lender is trying to hurt me and not help me.
XXXX XXXX XXXX XXXX , XXXX Is not my account. The credit reporting agency continues to report it. I have disputed it 3-5 times. They refuse to delete it. I have never heard of the company nor have any knowledge of the company they represent. As a consumer, I am helpless I have no way of proving its a fraudulent account.
Select Portfolio Servicing sent me a repayment plan with outrageous terms in XX/XX/XXXX. They requested a monthly repayment of {$6600.00} per month for 12 months and a balloon payment at the 13th month for over {$40000.00}. This is extortion. They also provided NPV information with only XXXX items on it. The NPV had old financials from XX/XX/XXXX. They never contacted me to ask me if my income was still current. They also claim that both me and my ex-husband has the same XXXX credit score which is not true. They just pulled these numbers out of thin air and created some foolishness. They also are not compliant with the XX/XX/XXXX final settlement with XXXX and the Department of Justice. Even though that settlement agreement offers consumer relief SPS refuses to offer any consumer relief. They know their days of being in business are over. It seems as though they are trying to get as much money from homeowners as they can before they are forced to close their doors.
On XX/XX/18, Navient approved my ibr repayment, increasing my payment by over {$30.00}. I contacted them to understand why my payment had increased when XXXX had decreased my payment due to my change in income. I was told to resubmit my paperwork, the third time I had done so, including my new paystub. I had sent this information to them one month previously. I then had to agree to go into forbearance for them to reprocess. I was contacted on XX/XX/XXXX with the exact same amount due as they previously had calculated. Everything is identical to the previous claim. 

It doesn't make sense that one servicer took my financial information and determined a lower payment and then Navient takes this identical information and determines that my payment should increase. I have contacted them via phone and email and received zero help from them, just a run around and then an offer to voluntarily go into forbearance so that they can resubmit my claim.
In XX/XX/XXXX my husband lost his job due to a company merger. We immediately initiated the process for unemployment insurance and also started the mortgage forbearance process with Freedom Mortgage to ensure we did not lose our home. Since XX/XX/XXXX, I have had to submit additional information five times to comply with the more stringent standards of our FHA loan, and I did this willingly. However, several of the requests were for pay stubs ( mine and my husband 's unemployment payments ) for the most recent 30 day time period because time had lapsed between Freedom submitting the information to the underwriters and the information was considered out of date. Each time I called about this, I was assured by a Freedom representative that this would be the last time the information was delayed and that our forbearance packet was complete and would be submitted. Low and behold it is the end of XX/XX/XXXX and we are still on this stressful merry-go-round except we are back to square one. Freedom Mortgage lagged once again in getting everything to the underwriter and the entire submission expired. I now have to resubmit all documentation and include updated items. I was also told that I should call every day to check on the status - I will do this, but I really hold no hope in this helping.
The credit bureau did not actually investigate the results, they only ask the data furnisher to check their records and most companies are unwilling to correct negative information even if its their mistake. My credit score has dropped about XXXX points due to this. I want to see what paperwork the credit bureau investigation consisted of. It is not fair for a credit bureau to do an incomplete investigation, credit is very important these days and just asking a company to correct their records is unacceptable. I need to buy a car and ca n't get a good rate due to XXXX lying. XXXX has sold my loan as an investment vehicle and they do not have an idea where my loan is located, which is required for any company to collect on this debt. Did the credit bureau actually look at any paperwork to see if XXXX can locate my own, I want actually proof of what the credit bureau looked at when they did their investigation.
XXXX XXXX wrongfully trying to make me responsible for a Telephone bill, ( XXXX search States that AFNI is known for this kind of procedures ) XXXX  refuse to take this of my account stating that the information is accurate. 
I have never received any correspondence, the only reason I know about this is because of XXXX XXXX report. I have never used XXXX and have never ask for any kind of service they provide.
XXXX - XXXX XXXX : - Displayed extraordinary negligence in developing a database system secure enough to protect the information of their customers, resulting in the release of my personal information to outside parties without my knowledge or approval. 
- Failed to inform me that my information had been released until over a month after the incident had been discovered. 
- Insists on charging me {$10.00} to freeze my credit with them, and expects me to cover the cost of freezing my credit with other major credit reporting companies, despite the fact that they are the direct cause. 
- Attempted to trick me into forfeiture of my rights to pursue legal action in order to receive any compensation for this incident. 
- Negatively impacted the prospects of my personal investments by allowing executives at their company to participate in insider trading - selling thousands of shares of Equifax only three days after the internal discovery of the security breach, but over a month before the information went public.
I bank with Chase and have been a client for decades. Never filed a complaint or had any other issues. I transferred money with XXXX, a partner of Chase to a shipping company on XXXX losing {$2800.00}. On XXXX when the person ( s ) who I was allegedly doing business with on the web essentially disappeared and contact was lost, I learned it was a fraud. I've tried to rectify with bank, one person said they would refund one time as a loyalty courtesy and was relieved. Then they transferred me to another person who said absolutely not. I would have thought some protections or loyalties were in place, but apparently not. Please call me for details. I am disgusted and will likely move every account out of that bank!
XXXX exposed my personal data. 
XXXX offered 1 year of credit monitoring and free credit freezing. 
I decided that, since the credit bureaus ca n't protect my information, I must take steps to protect my credit. 
XXXX and Experian want to charge for credit freezes unless there is an identity theft report. 
I believe that XXXX should pick up credit freeze charges, as it was their breach that caused an issue. 
I believe that identitytheft.gov should recognize the theft of personal information as identity theft and grant a report of the same rather than defining identity theft as the misuse of a stolen identity which could happen 20 years from now. 
I believe that XXXX and Experian should not collect a windfall profit from the mistakes of XXXX due to the reaction of responsible citizens trying to protect their credit.
The company seems to be resisting closing my credit card. I have a Bank of America World Points Mastercard - I have made XXXX attempts by phone to close this card. The employees at the number on the card ( XXXX ). Each time the employee verifies who I am with various security questions then I am routed " to a supervisor '' which takes me out of the system e.g. to XXXX, to a busy signal, to perpetual hold so that the transaction can not be completed. I want his card closed.
Received XXXX due statement Paid XXXX, {$1000.00} [ XXXX + XXXX extra principal ], check # XXXXReceived XXXX additional XXXX due statements but no XXXX due statement Called XXXX CCO customer service, XXXX XXXX She said all {$1000.00} was applied to principal and will correct it in XXXX business days and will send the XXXX due statement within 7 business daysReceived XXXX due statement Paid XXXX, {$1000.00} [ XXXX + XXXX extra principal ], check # XXXXDid not receive XXXX due statement Called XXXX CCO cust service, XXXX XXXX XXXX She said that all of the XXXX {$1000.00} payment was applied to the principal and late fees were charged. She said she will fix it and remove late fees and nothing would be reported to credit bureaus. She asked that if I had an extra statement, I should pay by XXXX. 
Using XXXX of the XXXX statements I received for XXXX due date, I made a copy with XXXX on it and Paid XXXX, {$1100.00} [ XXXX + XXXX on extra principal ], check # XXXXReceived letter dated XXXX from CCO on XXXX concerning overdue, late fees, sending to credit bureausReceived XXXX due statement XXXX with amount due $ XXXXThroughout this whole time, CCO has been calling and not leaving a message at least XXXX per day. I thought it was sales calls since the caller ID showed Citizens and not CCO, I did n't make connection. 
After the letter and last statement received, I picked up on XXXX at approx XXXX. 
After trying to explain the situation and asking for help, the man insisted that I was behind andthat I send payment and late fees. 
I have never been late on a payment and I would like CCO to apply the proper amounts to my account and not all of it to principal. I would also like them to correct these mistakes that they have made in the last several months and remove any credit bureau reports of late or missing payments.