WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX major complaints with my interactions with WellsFargo regarding my mortgage. 

The first : I purchased my home, in XXXX of XXXX for XXXX {$310000.00}. It was a foreclosure, and a good investment. At the date of the loan, it was appraised at XXXX {$340000.00}. I accepted an FHA loan at the time, with the understanding that there would be XXXX due for the first XXXX payments of the loan and/or when the loan to value ratio reached 78 %. 

As I am nearing the XXXX payment, I reached out to WellsFargo to find out what I had to do to remove the PMI and MIP ( which is currently almost {$300.00} per month ). 

Noted : FHA MIP will automatically cancel when the following conditions are met : For a 30-year loan term : Annual MIP cancels once the loan reaches 78 % loan-to-value and annual MIP has been paid for at least 60 months. 

As my home was initially appraised at XXXX {$340000.00} in XXXX of XXXX, it already meets the 78 % loan to value MIP, and as of XXXX of XXXX, payments will have been made for 60 months on the loan. My property was bought in foreclosure, and it 's true market value is upwards of XXXX {$520000.00} ( source XXXX ) Yet, the communication I received from WellsFargo via postal mail that will not go away until XXXX, which is 10 years and does not match what the federal lending guidelines stated when my loan was opened. 

I am also extremely troubled that the only option WellsFargo has given me is to refinance out of the loan. Refinancing out of my current loan would leave me paying a higher interest rate and cost me thousands of dollars ( as of XXXX/XXXX/XXXX that would be approximately {$2900.00} ) in fees to be paid directly to WellsFargo. 

Interestingly WellsFargo also states it will not honor an updated appraisal for my current loan, but yet requires XXXX ( with an additional fee, of course, to be paid to WellsFargo ) if I want to refinance into a new WellsFargo loan. 

I have reached out to WellsFargo on numerous occasions to see if I can work with them to correct their loan practices, but have been sent basic form emails and postal letters. In fact, they have sent me the same exact letter numerous times. 

My second complaint with my WellsFargo loan has been a late charge that appeared on my account on XXXX XXXX of XXXX for a late fee of {$96.00}. Mortgage payments are not due until the XXXX of every month so it would not be possible to have incurred a late fee by the XXXX. The late fee is automated, so I am deeply concerned that WellsFargo is passing this fee on to its millions of customers, and not reversing them until the consumer reaches out to WellsFargo. As you can imagine, many people probably do not notice the fee, and have their payments automatically debited from their account. 

This blatant disregard for consumer well-being and a complete unwillingness to send me anything other than generic form emails and letters has left me baffled and extremely disgruntled. Given the PR nightmare that WellsFargo has been dealing with lately, I would have preferred to not submit these issues to the CFPB, but I feel that I have no choice.
The XXXX urgent care was bought out by XXXX hospital and they sent my debt ( XXXX dollars ) to the XXXX agency and when I found out I owed money I paid it but it was on the 30 day mark and the Wo n't call the collections agency to stop contacting me, I 've spoken to both the hospital, XXXX and collections and they keeping me running around in circles so that I have to pay a late fee, it 's all a money game and I do not wan na play, I pride myself on not oweing anyone money and I do not want this on my credit
A third party collection company is reporting an alleged debt to the credit reporting agencies. They never sent a notice of attempt to collect or right to dispute, nor any communication whatsoever. I only learned of the activity while checking my credit score. Also, they are reporting the same alleged debt XXXX and attempting to collect XXXX for the same alleged debt, which is related to a medical bill which was previously paid by insurance then reversed recently after my former employer illegally rescinded the policy and retroactively cancelled coverage by more than a year. The matter is currently under investigation by the EEOC, USDOL, XXXX and pending civil litigation.
I have contacted American Adjustment Bureau on several occasions and told them I am disputing all charges from XXXX XXXX. I have asked for a statement of all dates and amounts owed which they have not provided me. I need originals from this company. They are trying to over collect money from me. Now I see it is on my credit reports. I want this removed off my credit reports. I told them I dispute the charges, and I am NOT paying.
i have been a victim of identitiy theft and these accounts is a result of it they are being reported on my credit file and they are fraudulent
XXXX XXXX reported false information about my account to Equifax Credit Bureau. It is a charged off debt that initially defaulted in XXXX. Therefore it should have fallen off my credit report already. XXXX reported an initial default of XXXX that is false it should have been in XXXX. XXXX credit Bureau has the proper information. I challenged the accuracy of the account in XXXX XXXX, and XXXX XXXX responded by stating that I was late 90 days and reporting a charge off. In XXXX XXXX XXXX XXXX XXXX reported that I paid or pays as agreed. In XXXX XXXX they reported another charge off. From XXXX of XXXX to XXXX of XXXX XXXX XXXX XXXX reported that I was making payments and or paid as agreed. That is inaccurate I have not paid any money to that company since before I could remember. I do not recall the last time I made a payment to XXXX XXXX.
Emergency room visit for 3 hours and got {$15000.00} bill. Refused to pay. Date of Service XXXX/XXXX/XXXX. Hospital wrote it off on XXXX/XXXX/XXXX. Commonwealth Financial Systems started harassing me and reporting me to credit bureau XXXX. The debt has been charges off since XXXX. They are attempting to collect a debt that does not exist. The debt was turned over to my attorney and I assume he had it reversed. I want the prosecuted and fined for their illegal practice.
My Equifax credit file has an inaccurate date of birth and I have been trying to resolve this problem with them but to no. The date of birth reporting on my credit report is XXXX XXXX XXXX which is inaccurate. The correct date of birth is XXXX XXXX XXXX. I sent copy of my passport which contains correct date of birth and now I attached the same copy with complaints.
I am XXXX assisting my client. PNC bank has continued to refuse to send me the information I have requested to assist the homeowner. I need a Verification of Mortgage and have sent a Qualified Written Request and XXXX authorizations on XXXX XXXX, 2016. They will not respond with a written statement mortgage on their letterhead or with an officer of the bank 's signature. They send information but not such that is acceptable for the underwriters. Please assist as this client needs assistance through XXXX program. They will not answer my calls.
I told them not to contact me at work and the still calling me and this time the told receptionist that i got a called ftom the XXXX XXXX sheriff 's dep, so i answered the called and it was a debt collector from XXXX, saying that if i don't, pay i will be arrested at my job, i told them that is a process, that i haven't received any court paper to go to court, then they start saying they will start a garnishment from my salary, n then i asked for badge number, then they said the are not police officer, now they admit the are from XXXX.i told them any paper work they can send mecto my address, they got upset then they said they will any paper work to my job
I opened an account with XXXX in XX/XX/XXXX .... made a final payment in XX/XX/XXXX .... the home was foreclosed on in XX/XX/XXXX. Why am I still receiving negative marks on my credit report in XX/XX/XXXX? 

I spoke with XXXX and they said they no longer had the loan and that XXXX took this loan over in XX/XX/XXXX. XXXX said they were no longer in charge of the loan and that it transferred over XX/XX/XXXX. 

I would like this removed as it is well beyond the time limit. THANK YOU
I cancelled service with XXXX  in XX/XX/XXXXand the company continued to bill me. I was told packaging to return the equipment in days but I did not receive packaging until months later. I sent the equipment back and received a bill with XXXX dollars added to the regular bill. The company stated they did not get the equipment back and continued to bill me. Three months later, I received another bill with missing cord added to the bill. Now a collection agency, that I am unable to speak with, sent me a letter saying I owe XXXX but will accept XXXX. I have called 5 times today, XX/XX/XXXX, and I have been cut off 5 times. They asked for my Social Security number which I refused to give but gave them my address. As I began to speak, I was immediately cut off. I do not owe this bill and I have made all the attempts I plan to make regarding this matter. Then my phone start ringing with unknown numbers and I refuse to be subjected to this any longer.
I was a victim of identity theft, someone applied two times for a XXXX XXXX credit card and i ask TransUnion to removed it from my credit report because they are fraudulent hard inquiries but they refused. I received a letter from XXXX XXXX letting me know they have told TransUnion to remove both of the fraudulent hard inquiries from my credit report but nothing has happen yet. This is a very serious matter, Im very frustrated and TransUnion won't help me fix it. Please remove XXXX  XX/XX/XXXX and XXXX  XX/XX/XXXX from my credit report.
I have online Savings account with Discover. Deposits and withdrawals are done online through ACH with a non-Discover checking account. The authenticity of the checking account is verified at the time of opening an account. For a withdrawal of large amount, which can earn a few dollars interest everyday, the Discover bank debits the savings account on the day of request, for example on XXXX XXXX, 2016 but the bank does not transfer the money for 3 - 4 days, thus not paying interest on the money which is still with the Discover bank. The Discover could not show any policy in writing to show this delay in transferring the money and not paying interest after speaking with the customer service rep and his supervisor, who kept on confusing me with the hold time for deposits. For these hold time on Deposits, the interest is earned, but on withdrawals where the account is debited, but the money is still held by Discover bank for 3- 4 days, the interest is not paid.
XXXX XXXX XXXX began contacting family members of mine who I have not spoken to in years and who do not live anywhere near me in XXXX of XXXX about a debt. They claimed that I was facing serious legal repercussions and threats of court if the family member did not have us contact XXXX XXXX right away. 
After contacting them and asking them repeatedly not to call they stated this was for a debt incurred over 6 years ago through HSBC. I asked them to send written proof of the debt to me in the mail, which I have yet to receive ( I requested this over a month ago ). 
About a week passed and they called again threatening to take everything I own, including my truck. They said the debt was a credit card through HSBC. I once more asked for written proof, which they demanded that they sent to me. They then emailed me a settlement form and said if I did n't sign it in within a few days that they would come and take my truck. 
I called HSBC and they had no record of this debt, nor is the debt appearing on my credit report. I asked XXXX XXXX XXXX about this and they claimed that it wo n't be on my credit report because they just purchased the debt? 
They continue to call and harass me and my distant family members demanding that this {$300.00} debt be paid in full.
Credit bureaus are reporting unverified public records and not giving information where exactly did they receive source of information, actual person spoken with, name and address signed under penalty of perjury, in direct violation of FCRA, state and federal laws.
We have continuously been receiving phone calls from the following numbers and companies for someone who does not reside at this residence. They are bottom feeder debt collection agencies who obviously do not know the law or choose to ignore it. Here are a couple of the XXXXXXXX XXXX XXXX. They are calling our number that are unrelated to this issue. Please stop this.
an online offer was emailed to me last XX/XX/XXXX from HSBC bank, and if i apply for a " Advanced checking account '', offer expires XX/XX/XXXX i would get a {$350.00} bonus, and i did online on XX/XX/XXXX-XX/XX/XXXX, than you must fund the account with {$10000.00} or more within 30 days of account opening which i did {$10000.00} Exactly by XX/XX/XXXX ...., the account was opened on XX/XX/XXXX but i really had until XX/XX/XXXX to fund this with {$10000.00}, and i did, i completed all there requirements and kept a {$10000.00} balance for 90 days as needed for the bonus offer and i still currently have not touched any of that balance ... .. I called Hsbc at XXXX on XX/XX/XXXX to ask about my bonus and they informed me, told by there Marketing dept., that i am NOT eligible for the {$350.00} bonus because my account was not opened until XX/XX/XXXX, which was past XX/XX/XXXX??, i dont have a copy of that online application, but i swear IT NEVER said the account has to be opened by XX/XX/XXXX ... .what it said is that you must apply online before XX/XX/XXXX, which i did ... ... .positive ... ..., it took over a week for them to open the account, not my fault at all ... .... and i funded the account within the 30 days required, and now there making me want to call a lawyer to sue them because of FALSE ADVERTISING practices on there part ... ... i also found out that on XX/XX/XXXX that same exact offer was extended till XX/XX/XXXX, so i still would of qualified anyway ... ... .. thanks very much for your help in this matter, very truly yours, god bless ...., my account is still open ... ....
I have previously submitted a certified letter on XXXX and XXXX requesting that a dispute be initiated for a XXXX # XXXX account which is reporting inaccurate information on my Credit Report. The following is a list of inaccurate, incomplete information still contained in XXXX XXXX # XXXX account after the dispute. 
1.No payment history from XXXX. 
2. Payment status states " Charge off '' however in the remarks account states Paid in full.
To Whom It May Concern, Here is a summary of events on the house my ex-wife was awarded in our divorce over 10 years ago. However the loan was in my name. House payments were behind for several years, Attempts were made by me several times to bring the house current for her. At one point we got a notice to pay current from the mortgage company with an {$8000.00} or so figure with a time limit to pay. We sent off a bank wire transfer with in the time frame. Two weeks later the funds were returned to the bank and we were notified of an error and that they needed almost {$12000.00}. 
After this we tried several attempts through the mail system to do a " loan Modification '' directly with the bank. Each time we were told we filled out the papers wrong and had to start over. We did this 3 times over a 2 year period. 
Then in XXXX we started going up to XXXX, XXXX, to the XXXX XXXX Help Center. We filled out the Loan Modification papers there. 4 times we had to start over. Again we were told some of the forms were not filled out correctly, EVEN THOUGH THEIR OFFICE IS THE ONE THAT HELPS US FILL THEM OUT. This went on for an additional two years till XX/XX/XXXX then they switched our " LOAN SERVICER '' to XXXX XXXX XXXX. 
We had to start over on the loan modification forms. XXXX XXXX we were continuing to get requests for additional information through XX/XX/XXXX. On a phone call to XXXX XXXX servicing XX/XX/XXXX, we were told that we should not be getting any notices because they had already foreclosed the property through a sheriff 's sale XX/XX/XXXX. At this point I quit trying to help my ex-wife as it seemed it was finally over with knowing the foreclosure had occurred. 
My credit began to recover and XXXX XXXX quit reporting to the credit bureau 's any late payments on my Part. Then about XX/XX/XXXX they began reporting me as late payments again. I disputed it and it was removed. But then it showed up the next month and every month since then. And my credit score has dropped more than XXXX points. And I just got a notice from XXXX XXXX that they decreased my credit line due to a recent late payment account. 
My ex-wife was again served a Sherriff 's eviction at the end of XXXX XXXX, and XXXX XXXX XXXX took possession of the home and put a lock box on it. I spoke with them directly on Friday XXXX XXXX, XXXX and they informed me the initial foreclosure was done improperly and so they were having to go through the process once again. I however now did not receive any paperwork or notification and was told that I no longer was a part of the loan. I did not quite understand but accepted it as this was what I wanted to be the case. Now in XXXX they again are reporting this as late and again showing on my credit. This needs to stop. 

Sincerely, XXXX XXXX
I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC XXXX Accounts- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX reporting twice XXXX XXXX XXXX. XXXX, XXXX
I was just hired for a job. When they did my background check, they said there was another name was tied to my SS number. I went to the annual credit report website and tried to get all XXXX credit reports. I was not able to view them at all. They said it was due to discrepencies with my identity. 
I need my reports so I can view them in order to file a police report.
I received a letter, dated XX/XX/2017, from a company called Genworth Financial that it was updating a request to change my address, along with a " new schedule of benefits reflecting this change, '' which I was told to file with my " certificate. '' The letter includes an XXXX-number to call ( XXXX ) if I " have any questions about ( my ) XXXX XXXX coverage. '' The letter is not signed by anyone, just " Sincerely, XXXX XXXX XXXX XXXX XXXX '' and gives a coverage ID number ( XXXX ), that is allegedly my account number. The cover letter also has the Word document path info in the lower corner that you may see on business internal documents, but seems strange on a letter from a legitimate company to a customer. 

The second page of the letter has a simple listing two columns with " Covered Services '' and " Benefits '' which includes, for example, " Type II Covered Services : Nursing Home Facility, 100 % Most Common Charge not to exceed {$260.00} per day '' and so forth for assisted living facilities, home care, adult day care, respite care services. This page concludes with listing a " total lifetime benefit '' of {$7800.00}. 

Here 's my issue : I NEVER opened any type of account nor have ever done business with Genworth Financial that I know of. This letter appears to be a disguised marketing ploy that could be very confusing, as it makes it appear you already have an account with Genworth. As  mentioned above, the only way to contact the company and find out what is going on is to call the XXXX number. I have not called the number, just do n't have the time for this and do not want to make contact and receive more of the same from them. It clearly appears to be targeting senior citizens, considering the " benefits '' for nursing homes and the like. I turn XXXX soon, and have a husband who is at retirement age, so maybe that is why I was targeted? 

I have worked for both the XXXX and XXXX XXXX XXXX regarding XXXX XXXX and XXXX XXXX, and even after years of experience XXXX XXXX XXXX and XXXX XXXX, I was still confused about this one. It really left me scratching my head trying to figure out when/if I had signed up for something with Genworth, if it was some job benefit I had forgotten about or something. 

Thank you for your help.
Credit card debt as well as other debt that i did not repay was sold to a 3rd party that is now attempting to collect. The credit card company as well as others reported the debt in full as owed. also the 3rd party who purchased the debt shows it as owed and in collections causing 2 credit bureau reports for the same debt. the credit card company shows debt in full tho they sold debt to lower amount. also the credit card company reported the debt to the IRS in full as income for me the debtor though the 3rd party is still trying to collect the entire debt. And i have paid the tax on the total as income. These negative credit reports are being duplicated and if IRS has charged me tax on total amount though the debt is sold creating income for original credit card company the amount of income reported is incorrect as well as the total amount of my debt as i am still liable for it.
Called placed to Transunion in regards to inaccurate information on my credit report Called XXXX XXXX XXXX. Spoke with XXXX XXXX ( that 's the name the Manager gave me ). Stated that my XXXX XXXX account showed a balance of XXXX. I explained to him I sent XXXX letters with acct # XXXX and # XXXX. Mailed to Transunion that account was paid in full and that the company sent information. He stated the information is not going to change and he will leave the information on the credit report. I thought the credit reporting agencies are to provide accurate information opposed to fighting on the phone with you in regards to the information. I sent copies that was received form the company that it was paid a XXXX XXXX updated all three credit bureaus. I am trying to figure out why my information can not be update accurately
I would like to trace all Money Gram payments for the tenants located on XXXX XXXX XXXX, XXXX, VA XXXX since XXXX-XXXX-2017. Please reverse all payments of the property via money order as a direct debit to my XXXX XXXX Bank account, routing account number XXXX, XXXX.
I have a complaint against my mortgage servicer Ocwen Loan Servicing Inc. I have an FHA home loan with them and I got behind on a payment. When I was able to pay past due amount I sent it and they sent it back refusing my payment stating that the amount was insufficient. The amount I owed then started from {$900.00} to what I owe now {$18000.00} and this amount has continued to grow. They have recorded a default on my loan and I feel strongly that they are trying to take my house. The bank will make money on the insurance that is on my loan if they foreclose on my house. They have repeatedly and I believe deliberately stalled on modifications of my home loan. I am seeking assistance from counseling agencies to help me keep my house.
Just trying to find out why when you need to find out how where your report use to get goods and if you need to use your own SSN # that it has been damaged or destroyed my credit is so bad after Equifax let out important information that 's I would think that when you need to remove information that 's is incorrect that it should be in your favor but now we are having trouble getting any help with home or personnel credit from any creditors.