WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I currently have a mortgage with  Wells Fargo, NA. In   XXXX ,   XXXX   our home underwent a fire and was severally damaged. Our homeowner insurance paid out in  XXXX  of   XXXX  . We forwarded the payment to  Wells Fargo Property Loss  Department. During this time we were temporarily relocated to an apartment unit. We communicated with  Wells Fargo  throughout this process to give them updates on the restoration on the property and request for funds to repair our home.  Wells Fargo  released the funds in small amounts making it difficult to purchase materials in bulk and completion in a timely manner.   As we approached the  XXXX  month timeline of being out of our home and awaiting release of funds to complete our restoration process, we informed the property loss department that we were running out of Additional Living Expense funds and that the insurance company would no longer be paying our expenses. We urged them to send the remaining funds so that our home could be completed and we could move back into our home before the deadline we were given by the insurance company. We were basically told by one Representative that they were not releasing the money because we would spend it and not make repairs. I found this to be appalling since they had inspectors to come to our home to view the progression of repairs that we had made to our home.   To date, we are no longer in our apartment and have had to move out. We are currently renting an additional home and paying for this out of pocket. We are still paying our Mortgage along with utilities at our home, along with the same expenses at our temporary place. We are paying double bills due to  Wells Fargo  's delay in payment. This is not fair and has caused us unwarranted expenses. We have been devastated by the events that have occurred in our life with my husband almost losing his life due to the fire. It has been an emotional roller coaster,  one  that could have been avoided.     We are seeking your assistance in having this matter resolved. Thank you so much.
I was a victim of identity theft and when I saw a collection from National Credit Systems it freaked me out. I went to the FTC & Identitytheft.gov website and filed a case. They instructed me to fill out and notarize a ID Theft Affidavit. I sent this to National Credit Systems on XXXX/XXXX/16. It 's been over 30 days and no response. What do I do? This is affecting my health and is stressing me out. XXXX. Not trying to give a sad story it 's just, .. how do I fix this when I follow what the sites said. Please help thank you. XXXX
This company was very rude, I spoke with three people and out of the three I spoke with the supervisor as well as the vice president were the most unprofessional ones, I contacted Arbor Professional Solut debt collection company on X/X/17 in regards to a dispute they have placed on my credit report for {$230.00} I spoke with XXXX who is a Arbor Professional Solut Agent, informed him of the mis-communication with this creditor and seeing that the creditor had no real documentation from me or any signed agreement stating I was aware of any charges for an appointment that she scheduled on her own for a mis-communicated appointment date in my books it was different, I informed XXXX with my issues and asked, how is your company able to collect a debt with no-documentation stating I was aware of any amount owed or even scheduling a appointment, he did n't have this information.I was transferred over to XXXX who was the supervisor who was very rude, I tried to explain the situation she continuously cut me off stating " File a dispute '' I understood the part and wanted to know how the investigations work, she stated they 'll send the creditor back the dispute and it goes from there, I asked XXXX well if she 's sent my information over for collection how would that work with her taking it off? she ( creditor ) & I have had discrepancies in regards to the matter and wo n't fix it, XXXX states well you must had because she has your information, I informed XXXX just because she has my information does n't mean I 'm subject to be charged for a debt that is incorrect, I asked XXXX for proof showing I was aware of this debt as well as any documentation that I can have from the creditor showing I am to pay this debt and proof on why the debt should be collected, XXXX informed me I needed a " signed '' written request to retrieve my information, How am I to know this debt is correct if I do n't have proper information and it 's already been placed on my credit? she states a written request after multiple back and forth I asked XXXX well seeing I was told I need proof for my investigation I have several voicemail confirming she never confirmed about any scheduled appointment how can I get them to you for my investigation she says we only have fax machine and mailing address if you can figure out some way to have it sent somehow then that would be on you, she was very rude and cut me off multiple times by the time I was finished I was transferred over to the Vice president XXXX who was also just as rude, he informed me to file a dispute not even hearing my situation.
XXXX XXXX, XXXX " Step Forward Michigan '' paid my back taxes through a program created by the state. The mortgage company Beneficial Mortgage ( HSBC ) agreed to include my taxes and insurance in an escrow account. The amount included Principal {$390.00}, Interest {$220.00}, Escrow {$750.00}, to be paid each month at 2 % interest until the year XXXX. The total monthly payment {$1300.00}. During XXXX ( HSBC ) sold my mortgage to XXXX XXXX and on XXXX XXXX my payment increased to {$1600.00}. I was informed that ( HSBC ) did not pay the taxes and a balance of {$6600.00} was owed for taxes. I was also informed that there was an outstanding balance for home owners insurance. ( see attached documents ). I was also unaware that ( HSBC ) charged me {$4100.00} for property insurance in XXXX. The XXXX from XXXX XXXX showed that interest was paid but left blank taxes for the year XXXX. Therefore I was unable to claim a deduction for the year XXXX on my tax returns.
I am Submitting this complaint with the CFPB due to Experian NOT being in compliance with the law of the FCRA section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. On XX/XX/2018 I sent a dispute letter to Experian on XX/XX/XXXX, I received a letter back of dispute results stating that the company that reported the information certified to Experian that the information was accurate. I went back to the original company/ courts and a administrator told me that the court does not provide any information to the Credit Bureaus. I also was informed from the court administrator that the 3 major Credit Bureaus gather or claim to verify information from a program or companies called XXXX, XXXX, and XXXX. According to the FCRA this is NOT verification because neither one of these companies are 100 % the ORIGINAL furnisher of these records! An with Experian doing this it goes against my rights as a Consumer.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. I demand that with my supporting documentation from the original furnisher that all public records be deleted and blocked from my Credit Report immediately. 

Thanks
We took out a loan from Ashley Furniture for the purchase of a couch. The loan was supposed to be zero percent for 24 months. Now we were told by the bank that because we did not pay off the loan within the 24 months, they are accruing all of the interest, at 30 % for the 24 months. To make matters worse, the bank stop sending us statements back in XXXX 2015. Since the loan is on automatic payments, we did not notice the missing statement.
Transunion fails to remove the XXXX XXXX XXXX account. Transunion reports incorrectly that XXXX XXXX XXXX is the owner of this account. Transunion reports incorrectly that this account has a balance {$7700.00}. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
I have this notification on my Credit Report as a Negative item ... .That was reported by a Debt collection Agency called CMRE FINANCIAL SERVICES for the amount of {$810.00} I sent them a Debt Validation letter and they never replied with a verifiable signed validation document to proof i owe the debt. Or anything from the original Consumer Contract with my Signature on it I have this Negative report on my XXXX  and XXXX  Credit Report. I have contacted the Credit Bureau by sending them letters to get it removed and they keep replying by saying the debt is accurate without no proof of verifiable signed validation document from the original Consumer Contract with my Signature on it.
I am reaching out for assistance with a payment made to Navient. 

A payment was initiated by XXXX XXXX on XX/XX/18 to Navient electronically. The payment was in the amount of {$4200.00} which was to payoff my final Navient loan. On XX/XX/XXXX, I realized that my payment had not posted and it was then discovered that the account number was one digit incorrect. 

At this time, I contacted Navient. I spoke with a CSR who informed me that I needed to send proof of payment through my online account and they would reroute the payment to the correct account. I was given a 7-14 business day resolution time-frame with it being complete on XX/XX/18. 

On XX/XX/18, my payment still had not posted so I called again. The CSR at first stated that they still had my payment and that I would need to wait 10-14 business days for it to post. I had already waited that time so I pressed about it being a high priority. She placed me on hold and then said that the payment had actually been sent back to the bank on XX/XX/18. She can not give me the bank name, routing, account, reference number, trace number, etc. As of today, XXXX hasnt received the refund. The Navient CSR gave a 7-14 business day window to get the payment back. An electronic payment does not take 7-14 business days. I need assistance tracking this money down so I can payoff my loan. 

Thank you, XXXX XXXX
On or around XXXX of 2018 I received a phone call from someone stating they worked for a law office and I was being sued for an old overdrawn bank account if I didn't make immediate payment. I asked for proof of the debt and was told that it was past of the point where I was owed any proof, either to pay or I was going to be served with a subpoena at work. I told them I wouldn't pay anything without proof and blocked the phone number after being told again they wouldn't provide any proof. On XX/XX/18 someone stating their name was XXXX XXXX and working for XXXX contacted a co worker of mine and told them that I was being sued for an old debt and asked that I call them back at XXXX. The message was passed along to me and I called back. I spoke to someone named XXXX XXXX at extension XXXX who told me that XXXX was the company they use to serve court paperwork and he didn't know who XXXX XXXX was. He told me that I owed {$640.00} dollars for an old Huntington Bank account and if I didn't pay it that day I would be served with court paperwork and sued for a larger amount. He stated that he worked for XXXX XXXX in Washington State and his company was attempting to collect the debt of behalf of XXXX XXXX XXXX in XXXX XXXX, CA. I asked for proof of the debt and he stated he would email me documents but it was all pdf documents and it took him a while to send. It seemed as if he or his " company '' were creating the documents as I was on hold. He did ended up sending them to me and I paid the {$640.00} on my credit card to avoid the possibility of being sued or having my accounts frozen which I was told would happen. I believe strongly that this was fraud and also received a fraud alert on my credit card which I was told I had to remove in order to allow the transaction to go through. 

I was also given a docket number on which the case was supposedly to be tried. The docket number was XXXX.
I live in XXXX, FL and was affected by Hurricane Irma in XX/XX/2017. During that time I contacted XXXX XXXX and was advised that I can be placed on a 3 month forbearance plan that would NOT adversely affect my credit due to the natural disaster assistance. I accepted the plan and made payments accordingly. However, to my surprise, Discover reported my XX/XX/2017, XX/XX/2017 and XX/XX/2017 payments late. This is an error and a violation under the Fair Credit Reporting Act. 

I am requesting for the 3 late marks to be removed as it has caused my credit score to drop drastically and is causing problems with the purchase of my first home. I expect this issue to be corrected promptly and I need notification of the same. 

You may check the phone records to review calls where I was advised that my credit would not be affected once I was placed on this forbearance. 

I contacted Discover to resolve this issue and the agent said, I apologize that you were misinformed but there is nothing we can do. This is unacceptable and I feel that I was tricked into getting in the forbearance plan by the agent. If you look at my credit history all of my payments have been timely period to the XXXX late marks reported in XX/XX/2017, XX/XX/2017 and XX/XX/2017.
This account is a joint account between me ( XXXX XXXX ) and my wife ( XXXX XXXX ), we have this account since XX/XX/XXXX, XX/XX/XXXX my wife lost her job, we went through hardship time, we were make payment on time for all credit cards, other creditors helped us to keep credit cards open and make payments, Chase Freedom credit card did cooperate with us. In XX/XX/XXXX the account was overdue around {$530.00}, we receive a phone call from Hardship Department at Chase Freedom service, they gave us an offer to pay {$380.00} and schedule the remaining overdue balance on XX/XX/XXXX, in the mean time they will wave three months of interests, this deal will make the account current and will be able to use the card as soon as we make payment of {$380.00}. However, when we made {$380.00} payment as agreed, they close the account and did not fulfill their promise to wave three months of interest, when I called, they claim the representative can not offer such thing, after they listen to phone call, they agreed to wave part of the interest, and refuse to reopen the account. On XX/XX/XXXX we agreed to liquidate the account, they calculated the monthly payment of {$96.00} based on the balance ( {$4200.00} ) that day, we made the first payment {$100.00}, and second payment {$96.00}, however the account was showing overdue {$92.00}, I called them ( XX/XX/XXXX ) they claimed that representative was mistaken, after they listen to phone call, they promised us after we make XX/XX/XXXX payment they will take care of issue, after we made XX/XX/XXXX payment I called them, they claim the representative was mistaken again and they can not fix the issue, I asked for a supervisor, after he listen to phone call he promised to fix the issue, and he emailed another department to correct it while I am on the phone with him. After a week we check the issue was not fix, after they listen to phone they claim supervisor mistaken can not be correct. I spoke to a branch manager, he created a case, two days late a representative contacted me, she stated that this issue will resolved by card services only. The balance on this account is {$4100.00}, more than {$1500.00} interest and late fees because of customer services commitment they did not fulfill, they time we were waiting for they to correct the issue. Today XX/XX/XXXX they called us and refuse to fix the issue and asked us to pay the overdue balance and late charges they added this month. We founded that they reported that the account was late in XX/XX/XXXX, even we made a payment of {$380.00}, and late in XX/XX/XXXX and XX/XX/XXXX.
I have written letter after letter to Transunion  Credit Reporting Agency las t letter was sent  XXXX   XXXX  and I have n't received any paperwork that this debit belongs to me. I ask them to remove it off my credit report and they keep send letters verified but, not any paperwork of proof of who they spoke too, what the actual dollar amount or did they get this from a third party parroting agency? I also ask to check and change address because that may be an issue because my name is very common not sure if they did that but, I did put in a request for the correct address.
In XX/XX/XXXX I applied for a loan modification with XXXX XXXX XXXX XXXX. I was granted the loan modification and complied fully with all terms of the agreement. I made every payment on time throughout the process. I sold my home in XX/XX/XXXX as a regular sale and settled my mortgage with XXXX XXXX. My credit report now shows that there were several months of unpaid payments for the mortgage, even though we complied and made every payment on time. I would like XXXX XXXX to remove all data from my credit report completely as this has made obtaining any new credit impossible and has a severe impact on my life.
I was offered no interest for balance transfers till XXXX/XXXX/XXXX, made large payment for the regular balance that carries interest, payments on XXXX & XXXX XXXX were allocated patially to the regular bearing interest, and as well to the balance transfer portion. nowhere was stated that payments will be allocated to that portion, as a matter of fact the law is that it should be allocated to the high interest.
My hazard Insurance was due XX/XX/18, my escrow company didn't send the payment. Then escrow sent several payment with the wrong amount and canceled a payment. Three payments were sent. My insurance was finally paid correctly XX/XX/18. Now my escrow/lender is saying I'm behind on my escrow by over {$1000.00}. I am not behind, they have taken the correct amount every month with my payments. I've called 4 times, being on hold over a hour each time. Each time someone has a new idea why the escrow is short. They say someone will work on it and call back. But they have never called once. They are also saying I cashed a check in XXXX but of course no one can prove I signed it, which I don't believe I did. Now the lender/escrow want to raise my payment by {$87.00} because they can't get the records correct. I really feel I need some assistance with this Servicing Company Embrace/XXXX has hired.
Wells Fargo Bank is holding a refund of {$3800.00} due to me from a refund of private mortgage insurance. When I contacted Wells Fargo I was told the refund was credited to my escrow account, which at the time had a {$1.00} shortage. I have spoken with XXXX different supervisors and have submitted a complaint in writing. It is my understanding, by law, Wells Fargo has 45 days to process the private mortgage insurance refund. I received a letter dated XXXX XXXX, XX/XX/2015 informing me of the refund. As of XXXX XXXX, XX/XX/2015 I have not received anything, putting them well past the 45 day time period. I have also been informed that a bank can not withhold money due to a customer from a PMI refund and apply it to a different account.
I have tried to dispute through TransUnion and but they do not delete errors or outdated info. They update wrong info and will not let me place freeze. Unless I Pay them. They pressure me into validating fraud incorrect and erroneous data to gain access to my file. Address from fraud included and closed accounts as opens and show zombie debt popping up after it had been up previously deleted!
I mailed in a dispute letter to all 3 credit bureaus for Department of EdXXXX to verify that the account belongs to me. They sent me a credit report with no verifying documents, just saying verified. They have yet to send in any proof that the account belongs to me, instead XXXX has made my score drop and my payment history drop. It said one late payment and now it has 8 late payments, ruining my credit and making it hard for me to get approved for things because of this account. XXXX took the late payment ( 1 ) off..made it current then changed it back to late and dropped my score 10 points..they did this twice in one day for a total of 20 points! Today I was notified that it changed to 8 missed payments! Their customer service is horrible to talk to, you can never get anywhere so that's why I went the route of contacting all 3 bureaus and they still didnt resolve the issue and instead of XXXX verifying the account all they did was add late payments and ruin my score more!
I had unknown accounts as well as 2 unknown Bks appear on my credit. I was not even aware you could file for bankruptcy twice .... anyway, I disputed the information with the bureaus because I thought it was an error and they merged my file with someone else. However, they verified the information as belonging to me, but its not!!!! 
I went to my local police department and filed a police report and sent that information to TransUnion and they have ignored my dispute and the accounts remain on my credit. 

XXXX XXXX Police Department Case # XXXX FTC Complaint # XXXX XXXX XXXX XXXX XXXX XXXX Court XXXX XXXX XXXX XXXX
On my XXXX XXXX account there is a reference to an old Discover card account that indicates it is " active ''. I contacted Discover card services in Delaware, spoke to a representative named XXXX, gave him the account last 4 numbers, and was informed that I had no active account with them, and that their records did n't go back further to identify me or my wife as a card holder. Which is interesting since this account shows I have a {$3900.00} balance. Since I ma quite certain that I do not use, nor intend to ever use Discover in the future I 'd like to get this information corrected.
On XXXX XXXX, 2015 around XXXX I called to make a dispute concerning an inaccurate information on my Transunion consumer report under the FCRA. There is a duplicate hard inquiries from XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX ( Soft Pull ) and XXXX XXXX. I was concerned that the credit report pulled on these days were the same as there was no significant changes within these periods, and that only XXXX of the pulls was authorized. 
The XXXX customer representative informed me he can not take my dispute despite what the FCRA says. I requested to speak with his Manager and She said the same thing. I was not satisfied with the response and I was transferred to XXXX XXXX XXXX ( XXXX Supervisor ) who also concluded that based on their policy they can not take my dispute or investigate it, except I contact XXXX. 
I believe this is in contrary of the law, as the law does not discriminate on what type of information I can dispute.
21st Mortgage bought our mortgage from XXXX. 21st Mortgage has created an overage account without my consent. I pay {$1000.00}, the payment is {$530.00}, but I pay an additional {$460.00} to be allocated to the principal amt. This is how it was done with XXXX. Instead of placing the XXXX in principal amt, 21st mortgage has created an overage acct. Also, 21st mortgage does not send me a monthly stmt with the new balance, nor am I able to obtain the balance online.