WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a temporary forebearance while on maternity leave under the Family Medical Leave Act. My XXXX leave is unpaid leave during this time. My forebearance was denied due to " lack of income ''. I am not unemployed! I just had a XXXX!!! To date, I am behind on my mortgage payments and sought relief from Wells Fargo. Instead of providing assistance, they are harassing me constantly. I receive incessant phone calls 12-16 hours a day. These phone calls are non-stop, aggressive debt collection calls. The harassment has escalated to Wells Fargo hiring an outside company to leave notes on my front door. The note says to call your mortgage processor. Wells Fargo threatens foreclosure when I am 1-2 payments behind. It was my understanding that foreclosure takes place once the account is 120 days past due. I am tired of the non-stop harassment and bullying from Wells Fargo. 

I also noticed that my account is being charged a non-sufficient fund fee of {$15.00} and a shortage fee of {$9.00}. I do n't know how this is being factored into the amount due to bring the account current. The account has been paid with cash. I do n't know how often my account is being charged these fees.
I went to a XXXX XXXX to buy a car. I came to find out the salesperson used deceptive and fraudulent tactics to obtain the sell which caused personal and credit damages to me. I do n't have the means to pursue them finically so I have never filed anything against them. 

I was initially denied the car because of my credit, even with my mother cosigning. The following day the salesperson called me said he found a way to get me approved. So I went to the dealership to sign the papers and drive off in my car. When I got my first bill for the car the statement it was far from what I and the sale person agreed upon. I took a look at the papers they gave me and my personal info was incorrect and the price was incorrect. I came to find out the salesperson change letters around in my name and added false info to me and my mother applicant to get me approved. I called the finical company and told them the situation. I asked to return the car but the operator could n't give me a straight answer on how the process worked. I got frustrated and hung up and called to get another operator, I told the operator the same situation and that I could n't afford the car and the information was false. I would just like to return the car to the dealership, the person threating that I would still have to pay for the balance left of the car even tho I did n't make one payment and the sale person add fraudulent information to my application. After not paying a payment on the car eventually, the repo person came and pick the car up. I thought the situation was taken care because I did n't hear from them after they came and got the car. I recently notice info on my credit as well they have taken legal action against my mother.
Hey I have a problem with Santander consumer usa, They came  and got my car on XX/XX/2017. I tried to make arrangements to get my car back but they wouldn't work with me. They took my car I had for 5yrs paying XXXX a month the car was paid for. They never let me know where to pick up my belongings in the car and I had my license plate on the car. They never sent me a letter telling me where I could come to the Auction to buy my car back. Santander still has on my credit report that im late every month for a car I dont have. They have different amounts that I owe XXXX for XXXX and XXXX for XXXX, XXXX for XXXX. If they sold my car how come the amount is still high? I gave them over 28,000 over 5yrs the car was pa I d for when they came and got it. I want Santander to remove this account from my credit report!!!! This account is lowering my credit score and I cant get another car and their reporting wrong information on my account. I want them to pay for my car that they too from me and pay for my license plate.
In XXXX of XXXX, I opened up a personal loan from XXXX for {$5000.00}. I started making monthly payment arrangements toward the loan. after a year or so, the loan was sold to XXXX XXXX XXXX. I continued to make payments with this company. after receiving notification that the account was sold. I was skeptical and started rejecting the payments. I have been contacted from several different companies that has sold and owned the account. I went to the location XXXX XXXX were the loan was originated and they had no information in their system on my social security number or any of my loan information. they then gave me a number to their corporate office. I called them and had no success. I obtained a copy of my credit report and a company by the name of XXXX was listed for the loan. I contacted them to try to settle the debt and they emailed me a settlement offer. I researched the company with the Better Business Bureau and the company is no longer in business. I recently received a copy of my credit report and the loan was just sold again to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. I called the company to try to settle the debt and they denied me. all XXXX credit bureau is has stated to me that this debt should had been dropped from my credit report. each time that it is sold, the account is being re aged. any help or suggestions would be greatly appreciated.
someone has used my information to open this account fraudulently from when my identity was stolen and this company continues to report this debt as mine when it is not .... I have filled out police report and identity theft affidavit in this matter and have had it notarized as to this account being fraudulent ...
Wells Fargo kept taking my direct deposit for fees they say I owed causing my account to always be - {$880.00} then when I had my direct deposit transferred elsewhere they closed the account and put me on XXXX for {$1000.00}, now I cant get a checking account anywhere.
On XX/XX/XXXX a person transferred {$1000.00} into my chase checking account via Chase XXXX. On XX/XX/XXXX my account was frozen due to it being reported as a fraudulent transaction. I was never contacted by the fraud department about the account being frozen, I always had to contact them. Their answers were always vague. I submitted all documents I could supporting my side of the situation. XX/XX/XXXX the fraud department removed the funds from my account. I received two letters, one stating it was an ATM issue and second stating it was due to an unpaid check. Both letters do not correspond to what actually happened. I contacted the fraud department to get a letter actually stating what happened and they said they couldn't because they can only send out computer generated letters. I asked if they could write me one and they said they can only send out computer generated letters that I already received.
Additional payments were not applied to the principal balance as indicated on payment. Student loan was not capitalized at the correct time and was capitalized XXXX.
When making 'payments ' on the charge account at U.S. Bank XXXX the 'payment ' comes out of my bank account immediately - sometimes the same day, otherwise the very next day. Problem is U.S. Bank sits on it for at least a week 's time and makes the credit unavailable for use. One week 's time is absolutely excessive in this day and ago. I do n't know what kind of game they are playing by doing this but you know it 's got to be something as financial firms do not have the consumer 's interests at the forefront. Thank you.
State of Georgia has no process or support for withdrawl of paid liens or liens made in error. Contacted credit bureaus informing them that the lien on my credit report is not accurate and have not made any headway
I recently got a copy of my Equifax credit report.. Upon review of my credit report, I found that there is an inaccurate and unverified bankruptcy on my report.This has negatively impacted my ability to receive credit and has resulted in unnecessary embarrassment and inconvenience. 
As stated in Section 609 of the Fair Credit Reporting Act, ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file unless the information is outdated under Section 609 or can not be verified.

As is my right, I am requesting verification of the bankruptcy reported on my credit report. 
Thank you for your prompt attention to this matter.
When I began repaying my loan back before Navient took over and the company was still XXXX, I owed a little over 14,000. 5 years of repaying my loan and my balance is still the same if not higher. I called Navient to find out why this was and received nothing but double talk and unanswered questions. At one point I was paying MORE than the minimum, so the interest talk I was not trying to hear. They are not applying funds to my principal and I want an updatedblance with a true amount I should owe. Never borrow from these scam artists ....
I disputed an Adverse Account on Credit report file # XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. 
My Loan was to be paid by XXXX XXXX XXXX XXXX XXXX, XXXX Co XXXX.who never changed the mortgage holder after they were notified XXXX from XXXX XXXX to XXXX. My mortgage payments were made from my XXXX XXXX checking automatically bi weekly to XXXX XXXX. I have copies of bank statements verifying these payments. XXXX XXXX continued to pay XXXX XXXX in error by their own statements and had written to XXXX of their error and that it would be resolved. I was worried about my credit report because even though XXXX was notified of the error and said I would not be reported as late, they reported me to XXXX as delinquent from XXXX XXXX to XXXX XXXX. As it turned my perfect credit was marred by this error, of which was not my failure to pay, but XXXX error and it was compounded by XXXX 's failure to cooperate with all my requests and correspondance from XXXX XXXX  They were keep in the loop during the entire 7 month period by voice, email and fax by myself and XXXX XXXX who had taken full responsibility.
On XXXX/XXXX/XXXX a collection agency called me trying to collect a debt from XX/XX/XXXX and XX/XX/XXXX in which was paid and I faxed a copy of the removal from my credit report. This agency is saying this is not enough information to prove this has been paid. In XX/XX/XXXX I was a XXXX, therefore that charge can not be on my credit..The debt from XX/XX/XXXX was paid in full and is on my credit report as being removed from my credit.
XX/XX/XXXX was the last loan I had paid off for the amount of {$230.00} Accordingly to XXXX XXXX I re-loaned on XX/XX/XXXX for an amount of {$250.00} owing them {$290.00} on XX/XX/XXXX. I came to find out on XX/XX/XXXX of this loan as XXXX called me from XXXX XXXX as a courtesy reminder, advised XXXX I have not stepped into there located for a loan since the last time I loaned which was In XX/XX/XXXX, she explained that they have a signed contract by me, she provided XX/XX/XXXX as the date I walked in there and loaned for {$250.00}. I explained to her It could not have been me since I was at work from XXXX-XXXX & have records of being in the office all day without leaving at any point during the day. She did not try to help in launching an investigation to see what happened, I went into the located today XX/XX/XXXX to pay the loan amount of {$290.00} so that amount will not go into collections for me not paying, as I was there I asked for a copy of the contract I supposedly signed on XX/XX/XXXX and signature on Check & Contact are nothing alike to my signature. I explained to XXXX this is not my signature on this paper & she seemed nervous when she said " It can not anyone 's else 's signature other than yours ''. I'm attaching A copy of the contract & check from XX/XX/XXXX & also a copy of the last loan check that was cashed with my correct signature from XX/XX/XXXX.
Wells Fargo ov erdraft collection department calls from  XXXX . Called me on  XXXX   XXXX  at  XXXX . I have reached out  to Wells Fargo and all they wish to do is remove my phone number. Did not identify themselves as debt collectors when I asked as well with 3 different people. claimed they do not leave messages
I have disputed this banruptcy XXXX times as a dismissed bankruptcy, and equifax keeps stating they have verified it as a discharged backruptcy which is inaccurate, and only this credit bureau shows it as a discharged bankruptcy which means they are not verifying this information as they should with the courthouse or whatever method is being used.This bankruptcy was never fully completed, it was only filed and never discharge, it was dismissed.So this record has been inaccurate and i do not believe equifax is actually verifying this information, this will be easy to prove.There should be no reason for other reporting agency to obtain the accurate information while equifax cant? This info continues to be reported incorrectly and now should be removed because of the failure to properly report it, since it has been proven that no investigations actually have been taking place, as required.This item should be deleted immediately on that basis, otherwise report that the Fair Credit Report Act is being disregarded.
I had a foreclosure in 2011 and this loan was a second on the the original mortgage that is still reporting as if it has a balance of XXXX and should have been part of the foreclosure or at least show a XXXX balance.
I have been trying to get help from LoanDepot since XX/XX/XXXX. I have continuously supplemented documents that they have asked and they continue to delay my review. I don't think it should take them over 7 months to help me! I have had two foreclosure sale dates and have had to file two bankruptcies just to save my home from being sold. I can't afford another sale date. I am at lost and need help saving my home! Please I ask for your assistance. 


The last update was on XX/XX/2018 and they asked for documents that I had already submitted to the lender and changed their request on paperwork that they had previously asked. My husband had already sent a letter advising them on how much he contributes to the house, pay stubs that show our property address, an ID and our bank statements are in a joint account. Yet, they continue to doubt that he is not living here. 

Please I ask that you help me save my home!
I used a Bank of America, XXXX card XXXX months ago to purchase a plane ticket, reserve a rental car, and to reserve a hotel room XXXX. The following day I was told my card was used for fraud and they cancelled my card and would sent a replacement in XXXX days. After XXXX month I contacted them and said I had not rec 'd the cards. They then told me I had to call. I am presently in the XXXX and my address is in XXXX. The first person I spoke to said he would send the cards overnight to me in the XXXX. It was a Collect call, but I ran out of time before I gave him the address here. When I called back I spoke to XXXX different people, with each it got worse. Now they said I have to call their Credit Dept., by now I have spent more than {$100.00} on phone calls. I tried their message center, that is worse, I keep getting a form letter and told to call. Now I asked for my monthly payment amount and balance, because it looks like I 'm not getting a card. I still get no answers to my questions.
I owned a house in XXXX, XXXX while in the military. I XXXX XXXX and moved to XXXX, XXXX. I did not close on the sale of the house I owned until XXXX XXXX, 2016, I received my final bill from XXXX water and sewer and paid the remaining balance in a timely manner. I did not receive my final bill from from XXXX XXXX, it is now showing on my credit report and, from what I am told, will not be removed from my credit report for 7 years. I am not disputing that I owe the amount that was disclosed. I want to dispute the fact that I was not made aware of the debt owed in a timely manner for me to satisfy it. I was not made aware of the debt until I applied for a home loan. Again, I take responsibility for the amount owed, but I was not given adequate time to satisfy it.
complaint about Rash Curtis & AssociatesI had no clue what this account was back in XX/XX/XXXX .... I was contact by a company XXXX XXXX XXXX and was told i had XXXX accounts with home plus and was over {$3000.00} not knowing what this was but was trying to clean my credit i paid there settlement o XXXX releasing me from these account and they said they would report to all XXXX credit bureaus. I have been fighting to get theses off my credit I made a few phone calls and got know where. rash curtis just gives me the runaround and cant provide any documentation. now there re-reporting and changing the dates from XX/XX/XXXX to XX/XX/XXXX?? i have a documents to prove this was paid and that they contentiously are change how they report on my credit report.
On Monday XXXX XXXX, I received a call from Ditech, my mortgage company advising me I was late on my XXXX payment. I advised them that the payment was sent and received on XXXX XXXX and that they were mistaken. 
I was then told that the payment for XXXX XXXX had not been received and I advised them that the payment had cleared my bank on XXXX XXXX. 
The Rep then stated that " Ditech '' had inadvertently credited my account with 2 payments in XXXX XXXX, when it should actually should have been credited one payment. They stated that I needed to pay this payment to make the account current. 
At this time Ditech has started adding late fees and Im sure my Credit Score will soon reflect their mistake. 
It is beyond me why I should pay to correct their mistake. They could not provide me any answer as to why I 'm being forced to pay for their mistake. I am current on all payments.
I would like to continue my fight against Transunion reporting XXXX to my credit report against the law. I recently checked my XXXX XXXX monitoring service and noticed that XXXX # XXXX is still illegally reporting against me and affecting my credit score and hindering my credit report. I have repeatedly asked to be provided with proof that aligns me, XXXX XXXX, to this inaccurate account and I have received nothing of use nor any correspondence from them. This is not fair. When someone requests all descriptions and procedures they should be noted and supplied, that is according to FCRA guidelines. This account is not an account that I have ever held and it can not be reflected on my report. I have disputed all of the information and found it very suspicious and weird that they deleted all of the payment history and changed the dates to newer and more recent dates. I can not fight this uphill battle if they keep changing the game. This is not my account, I have no proof nor any knowledge of this and would like it removed immediately from my credit report XXXX. Please. I have always held XXXX XXXX Loan and you can check my report and see that it is with, and only with, XXXX XXXX XXXX. That is a GOVERNMENT AGENCY! Not XXXX! This may be an account held by another student in my building. I am not sure, but I dispute it and ask it to be deleted. It is Old and Not relevant to me!
On XXXX XXXX of 2016, ditech received my mortgage payment. Instead of applying to the monthly payment, they applied it towards escrow account. On XXXX XXXX, i received a billing statement for XXXX mortagage as well as XXXX. In addition to that, they slapped XXXX dollars late payment fees to that. I called them up on XXXX XXXX and questioned them. They said they applied it to escrow. I never instructed them to do that. They said they will reallocate that funds and correct the problem and erase the late fees. A few days later, i called them to check on it again. The problem were not fixed. They said a few more days. So on XXXX XXXX, i called again, and still the problem were not fixed. They took my XXXX payment and applied it towards the may payment and make it seems like i am late for XXXX again. And the late fees is still there. The lady said to give them a few more days and they will surely fix it time. She said she checked the system and there were no notes to reallocate the funds. But it did show that i called them. Ditech and their employees are not being truthful and causing me grieves. I spent so much times trying to resolve the problem they created and worried about the problem they created. Please help!
I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.
I called to get questions about my loan, instead of giving me the information I requested they put me in a deferment period and kept collecting interest.
Honestly, I really do n't know what it is that you guys do over there. I am absolutely dumfounded that you closed investigations XXXX, XXXX, & XXXX right after I submitted more information which showed yet more concrete and undeniable evidence that Wells Fargo had made false statements about this loan. Not even ONE DAY after I submitted new documentation, you closed all three!!! Do you just take for granted whatever a bank tells you w/o doing any due diligence or even bothering to pick up a pocket calculator and doing a simple exercise in math which would have taken you two minutes to prove that I was right? You have wasted my time and yours because I actually thought that as the Consumer Fraud Protection Bureau, that 's what you do. I saw no analysis, no investigation, nothing of any sort that leads me to believe you actually accomplished any thorough review of the matter. You were given a trove of documentation that clearly laid out a pattern of errors and dishonesty on the part of the bank, yet you just accept whatever the bank said as gospel and nothing I said carried any value. I will be reporting this to my Congressmen and Senators ; your organization is patently and absolutely useless.
XX/XX/2018, I contacted the credit card company American Express to complain about a payment of XXXX had been sent to the wrong location. The credit card company told me that they could not cancel the payment I would have to contact the bank. The bank ( XXXX XXXX ) refused to cancel the payment. I even went to two branches in my local area and they still refused to do anything to assist with the situation. American Express even deducted funds from the payment of XXXX that they were not supposed to have received. I contacted American Express XX/XX/2018, and I was advised by ( XXXX ) that a check would be mailed next business day. American Express still has not processed the check and are still deducting funds from the payment they were not supposed to receive despite the fact that I have complained several times about the situation. 




P.S. I have also had an issue with American Express accepting payments but not updating credit balance.
After the financial institution closed my savings account which was used a overdraft protection, charged me enormous amounts in returned item fees - they transferred all the monies that were in the Savings account to checking. If this action was taken before all the fees were incurred, I would not have been charged {$280.00} returned item fees. This is clearly poor accounting procedures. This also proves the bank 's action were for capital gain only. The bank has yet to prove the Savings account that was closed exceed the XXXX per month transaction by law on a habitual basis.
XXXX called my sister told her " if I did not contact him that my job will be in jeopardy. ' I contacted XXXX asked why he was communicating my debt with persons other myself. he proceeded to threaten me by telling me he will put a lien on my mortgage and vehicles. He also stated that he will contact my boss to make sure he knew about the debt.
The collection agency identified as CACI has already had right party contact with me and has verified the best phone number to contact me on. Since then they have contacted my family and requested location information as well as my employer. My complaint is that they have already had right party contact and should have no need to contact third parties for location information they already have.