WillisBack/dataset-financial-user-claim huggingface dataset:
ISSUE : Seeking assistance in our complaint with Wells Fargo Home Mortgage in not releasing a Deed of Trust in a timely manner ( 15 plus Days ). Holding up Real-Estate closing with potential losing contract causing undo hardship to myself and our contracted buyer in not providing documents within the contracted widow. 

BACKGROUND : I am currently in the process of closing in the Real-estate sale of my property address of XXXX XXXX XXXX, XXXX, VA XXXX inherited from my brother. His initial mortgage from XX/XX/XXXX in the amount of {$64000.00} was with XXXX XXXX XXXX XXXX, which was acquired by Wells Fargo in XX/XX/XXXX. The loan was refinanced under XXXX XXXX XXXX XXXX in or around XX/XX/XXXX, which it appears a Deed of Trust was not filed with Deed, in acquisition Wells Fargo assumed responsibility for any errors conducted by XXXX in non-compliance with VA XXXX, Paragraph 9. In communication with our Closing Real-Estate Attorneys office Wells Fargo stated they have to research the unreleased deed of trust with a turnaround time for a response of 15 days and then they have to prepare the actual release. The initial closing date was XX/XX/XXXX, per the contract now closing must be completed by XX/XX/XXXX ( 10 days from base closing date of XX/XX/XXXX ). We feel this is an inordinate amount of time to process this action being all document/account history is in-house to Wells Fargo.
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX
Diversified Consultants has fraudently reported a paid collection item in the amount of {$820.00} on my credit bureau reports ( XXXX, XXXX, XXXX ) for which it does not own. The account in question was an XXXX cellular account sold to XXXX for collection of payment. The payment was made on XX/XX/2016 to XXXX thus closing the account for payment in full with no credit reporting PERIOD .The fraudulent actions of Diversified Consultants include violations of the FCRA reporting a shadow debt it did not own and continuing to collect on by reporting to the credit bureaus. I have included for review a copy of the bank statement showing proof of payment to XXXX and letter of validation from XXXX acting on behalf of XXXX.If in fact Diversified Consultants owned the debt, collection and subsequent payment would have ceased or canceled due to transfer of the debt.
I 'm receivin g 5-7 calls per day from Synchrony Bank concerning my Lowes c redit card. I pay them what I can but with a {$38.00} late fee, Its hard to get caught up. I told them my wife had been out of work unexpectedly for  XXXX  so we are down to  XXXX  income.  I   XXXX   XXXX   XXXX    and they call me all day 7 days per week. I ca n't talk on the phone while   XXXX   per company policy. I DO consider this amount of calls harassment. It 's ridiculous. If I do n't have the money at  XXXX , I 'm not going to have it at  XXXX . They wake me up on my one day off and I 'm to the point that I do n't care what they do. I 've had good credit my whole life but I 'm about to give up. My  Lowes  bill is not going to come before my family eating. I live pay check to pay check. I wish I could do more but I ca n't right now.    PLEASE HELP   XXXX   XXXX   XXXX   XXXX  XXXX  XXXX
We received a call from Chase Bank on our HELOC. They said that we were short a payment. When we called, the claimed that the payment we made using the coupon they provided on their statement was for the month of XX/XX/XXXX, and XX/XX/XXXX was not paid. The statement was dated XX/XX/XXXX to XX/XX/XXXX, and the minimum payment line said {$97.00}. The coupon clearly states that the payment of {$97.00} is due on XX/XX/XXXX. We made the payment, which was cashed and posted in their system on XX/XX/XXXX. 
They claim that that payment was for the month of XX/XX/XXXX, and that the XX/XX/XXXX payment of {$100.00} was not received. 
We have statement covering the dates XX/XX/XXXX to XX/XX/XXXX, which shows a minimum payment of {$100.00}, and the coupon shows a due date of XX/XX/XXXX. Our bank statement shows that the check was cashed, and their statement with the XX/XX/XXXX due date clearly shows that they received the payment on XX/XX/XXXX. 
Basically, I have sequential statements, going back to at least XX/XX/XXXX, showing the exact amounts requested. They also emailed me copies that include the payment vouchers, and all of them match the payments we have made. 

They are claiming that the payment due XX/XX/XXXX is the XX/XX/XXXX payment, and the XXXX that we paid is a short payment for XX/XX/XXXX, and that we owe another $ XXXX. They did this to us back in XX/XX/XXXX as well, getting a whole extra payment out of us. 

I tried to speak to their Customer Service. The first rep kept trying to convince us, but we have documented proof, including their own statements. The follow up research person, when first contacting us, could not understand why THEIR department was incorrect. She called us back this morning with the same explanation as the first, and then became condecending. They claimed that because we had filed for a bankruptcy almost ten years ago, that the statements were incorrect, and that we had to look at the COUPON amount. Well, I did that, and the payments made all matched the coupons.

Again, we have proof that everything had been paid.

If they are making us pay extra for these " mistakes, '' What if they are doing this to ALL of their customers? System clitch? How much extra revenue are they making from this?
To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XX/XX/XXXX to dispute information, regarding over 45 hard inquiries for XXXX 25 for Experian and XXXX for XXXX that was placed on my credit reports. They received the letter on XX/XX/XXXX. They completed the request XX/XX/XXXX. The request I submitted was over 45 ( XXXX ), 25 ( Experian ),  and 20 ( XXXX ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called XXXX to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact Experian or XXXX  fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
On XX/XX/XXXX, There was a credit card opened in my name through the XXXX XXXX XXXX in XXXX. This is for a timeshare. I canceled the timeshare contract within the right of rescission period. Mailing all documents, certified mail to XXXX XXXX in XXXX. I was credited for the majority of the charges, minus {$95.00} for 'promotional materials '. I did not know i had to return any promotional materials as this was never discussed nor verified in any materials. After 60 days,, XX/XX/XXXX, Bank of American re-billed the credit card account for the disputed {$95.00}. Stating that I would need to dispute the charge by providing any additional information by XX/XX/XXXX. I did not receive the document until XX/XX/XXXX. At that time, I called and told them I will mail back any promotional materials I received, as I was not allowed by XXXX XXXX to Return the promotional material to their local location, instead having to mail it to their office at XXXX XXXX   XXXX, ATTN : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. 
I returned the promotional material via certified mail which they received as of XX/XX/XXXX. I have a copy of the return receipt as well as the letter I sent to the company requesting refund of the {$95.00}. I was in contact with Bank of America during this process and they said via their customer service that as long as i have a tracking number for the returned promotional items, that they would notate the account. I attempted to provide this to their employees and they transferred me to their Merchant Dispute Department on XX/XX/XXXX at XXXX. I explained I did not receive their letter until well after the 'closing date ' of their final dispute and they stated, it was electronically sent, I do not have this listed in their Bank of American Application and told them so. They said there's nothing else they will do for me as the time-frames have passed. I was told this by their 'manager/supervisor ' XXXX XXXX in Employee Billing. XXXX XXXX, XXXX. I would like for the CFPB to review this claim and I can provide details as to the certified mail for both the initial right of rescission as well as the return of any promotional materials.
In XX/XX/XXXX they applied my monthly installment loan payment towards principal instead of my regular monthly payment. They keep phoning my mobile phone, my wife 's mobile phone, and my place of employment asking me why my payment is late and when am I going to send it in. I have repeatedly explained that I am not late and they always research and say " yes you are correct '' and that I will not be called again. But the calls have continued for the past 4 months and it is annoying and embarassing.
On XX/XX/XXXX, I originated 6 loans with XXXX XXXX XXXX in XXXX XXXX South Dakota. I made all 6 XXXX and XXXX payments to XXXX XXXX XXXX. 

Sometime in XXXX, 3 of these 6 loans were sold to XXXX XXXX XXXX XXXX. On XX/XX/XXXX, at the direction of XXXX customer service agent, I signed up and created my credentials on XXXX XXXX Secure Messaging System Portal. Through this portal, I made all 3 loan payments. Also on XX/XX/XXXX, I enrolled into autopay for all 3 loans ( see attached confirmation emails ). 

On XX/XX/XXXX, our office received a call from XXXX XXXX XXXX XXXX collection agent. I returned the call on XX/XX/XXXX. I was told that I hadn't made payments since XX/XX/XXXX. The checking account enrolled with autopay maintains a very sufficient balance to cover all payments. I don't monitor this account, hence the function of autopay. 

I immediately inquired with the XXXX representative regarding their reporting to credit bureaus and was informed XXXX has been reporting the derogatory items to the credit bureaus. I informed them that I could make all payments immediately and requested XXXX retract the derogatory credit reporting items. I was passed back and forth between XXXX XXXX. I was initially instructed that XXXX couldn't make any changes to their credit reporting and would have to contact the credit bureaus directly. Then another XXXX representative told me to write a letter to their research department and they'd look into it ( see attached letter & XXXX response ). 

Given the conflicting responses and lack of concern for my credit and my financial future, I declined making payments. I inquired with my legal counsel as to next steps and direction to resolve this matter. I was advised by my counsel to make payments and bring account current. On XX/XX/XXXX I tried making this payment. However, after receiving an update of address letter on XX/XX/XXXX ( see attached ), XXXX commenced foreclosure with the a letter from XXXX, XXXX XXXX XXXX ( see attached ). 

I have never received physical mail prior XX/XX/XXXX from XXXX XXXX XXXX XXXX nor had I received any notifications of cancelled auto pay via XXXX XXXX Secure Messaging Portal. 

I was told my a XXXX representative that XXXX was using the wrong mailing address and that their system had noted mail being returned from their mailing address on file. 

My closing disclosure documents with XXXX XXXX denote my personal home address as my mailing address. XXXX has my personal address in their files. 

I need XXXX to correct their mistake and remove all derogatory credit reporting. 

I've spent many hours trying to remedy this with no help from XXXX XXXX XXXX XXXX.
Hello- I keep getting calls on my landline phone which is  XXXX . They ask for a  XXXX   XXXX  or something. Our last name is  XXXX , the only reason I thought the caller might want us is because there was a "  XXXX  '' in the last name they were trying to reach. I asked who they were. They said it was a private matter and could only talk to him. I told them I had power of attorney and they could talk to me and asked them to identify themselves several times. She would would not, but she sounded legit ( not a weird accent nor any threats or poor  XXXX  ). Then the caller said she could tell me what the call was about if I told her my husband 's birth date. I told her I would not provide personal info over the phone. I kept asking the caller to identify themselves and she refused by saying it was a private matter. The call came from  XXXX , When I tried to block the call ( using  XXXX  ) I received a message that, that phone number was invalid. I called the number  XXXX  and the message "  Credit Corp Solutions ''. I called again and some one named "  XXXX  '' answered. We pay our bills on time and have good credit scores, perhaps there is a bill we missed however we have never received anything in the mail and the caller had our last name so wrong, almost unrecognizable. Honestly, there was no way I was going to give out my husbands birth date to someone who was not identifying themselves ( actually even then I would not give out that info over the phone to someone I do not know ). My husband is in  XXXX   (   XXXX    XXXX   w/ over 20 years  )  until  XXXX  That is why I have power of attorney. In the mean time, I have contacted him about this matter. What I want to know is, what is the deal with  " Credit Corp Solutions '' ( if it  is them ) how come they ask for private, sensitive info over the phone, why wo n't they tell me who they are when calling MY phone number, and why do they use a number I can not block?
I have dispute the bankruptcy reporting with TransUnion several times to no avail. I did not file bankruptcy   and the reporting is not mine. I have reached out to the courts to help me to get this matter resolved. The courts stated in writing that they do not provide information to any credit reporting agencies. So, is TransUnion considered a furnisher? This is not my bankruptcy and TransUnion has failed to plea their case to who is provided them with this false information. 

Please help me to get this matter resolved.
I contacted Navient last month and told them I could n't afford the payment plan they had me on. They so no problem, put a temporary forbearance on the loan and sent me a list of other payment plans I qualify for. I chose one, sent it back to them, 5 times now! And yet today I get a notice that I 'm still on the old payment plan I ca n't afford.
Fifth Third bank is reporting this on my credit report even though the date of XXXX delinquency is on XXXX, 2007. This is past the Statue of Limitations in my state and I have tried to dispute through the credit reporting agency and they come back verified. Fifth Third has sent me a letter stating that this account fell into delinquency on XXXX 2007 and still will not change the reporting.
Paid debt aware it did n't update on my credit reports but they only argue and tell me to do what I need to do and this was a manager
On Friday, XX/XX/2018 Allied Interstate called 6 times. This is in reference to a XXXX XXXX/XXXX XXXX credit card. 

I have personally reached out to XXXX several times to resolve the issue and I have scheduled 6 months of reoccurring payments at their suggestion. I am working to remedy this account and 6 calls in one day is UNCALLED FOR!
Equifax had a major data breach recently and there is hard inquiries on my credit report that are fraudulent, unauthorized and do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX
XX/XX/XXXX, my wife and I made a XXXX dollar payment to Navient to completely pay off XXXX loan and pay parts of other loans. We just found out today, XX/XX/XXXX that Navient portioned that money as if it were to be paid as a monthly payment until XX/XX/XXXX. We have been paying interest on an already paid off loan plus XXXX others as if they were not paid. In addition to this, a surprise withdrawal from our bank account of XXXX dollars to Navient was assessed today. Navient has admitted the mistake but seemed to place the blame on an inexperienced customer representative who processed the payment. Nothing has been resolved yet, as no supervisor was willing to take the call from our last customer service rep, who is taking all of the brunt of our frustrations.
On XXXX/XXXX/2017 Americredit Financial made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.
Summitt receivables calling daily to " settle a debt '' but will not disclose who debt is for, nor will not stop calling after repeated written requests. Summit is a collector for payday loans, I have never taken XXXX. Summit refuses to verify the debt.
Synchrony bank calls at XXXX or a little after on Sunday mornings. The law says they can only call after XXXX to XXXX on Sundays. I do n't want to be disturbed like this on Sundays. I 'm trying to work things out and feel as if they are harassing me. They also call six to seven times per day. They do n't make it easy or pleasant to do business with.
XXXX /2017 : received a bunch of Voicemails during business hours from ProCollect. Was unable to answer due to work hours and did not owe a debt so I had no idea why they were contacting me.      XXXX / XXXX / 17  : received a letter at my mothers address in another state saying that I owed a debt. Letter says it was sent in early  XXXX  but was not post marked or received ( at the wrong address ) until  XXXX , which was conveniently close to the 30 day dispute date on the letter. I had only a few days to contact my attorney and dispute the letter after receiving it.      XXXX / XXXX /   17  : my attorney sent a certified letter to ProCollect to verify debt and gave them 30 days to respond.      XXXX /2017 :  ProCollect  has not contacted my attorney with proof of debt.      XXXX  2017  : Debt in collections appeared on credit report. Attorney never received proof of debt.
I've sent two dispute letters to EQUIFAX disputing two accounts under the name XXXX XXXX XXXX. These accounts total over {$7000.00} of collections on my account.

I requested validation from XXXX XXXX XXXX. They then sent me a lease without my name on it, claiming it's mine.

The names in the lease aren't even mine. I'm no where on this lease. I've sent TWO LETTERS WITH A COPY OF THIS LEASE TO EQUIFAX, this is a clear violation of my rights under the 609 clause. As it's clear this is not my debt.

I'm now asking the CFPB, FTC and XXXX to step in and demand this comsumer reporting agency delete this account.

I'm attaching a copy of the lease to support my claim, please note in the first paragraph, second line the names of the residents/lessees names.

Thanks
On XX/XX/2019, I sent a certified letter to Eastern Account System explaining to them that I don't recognize the collection items in the amount of {$82.00} and {$440.00}. I also asked them to provide me with proof that this is my debt if they feel like this is an accurate collection. Today is XX/XX/2019 and I have yet to receive a response from Eastern Account System. I would like for them to remove these 2 collections from my account as soon as possible.
I have had my Citi bank Double cash card since XX/XX/2017. The cash back option allows for a direct deposit to my checking account after 2 successful payments ( per the app screen ) and have {$25.00} in rewards. I had made 2 and had well over {$25.00}, so I called in. 

Now they want me to wait another month and make another payment. Then I was told I needed a user submitted payment. I did that and still have no direct deposit option. They only say I can take an account credit ( which is not coded as a payment so I miss out on 1/2 my rewards ) or wait for a check then find a way to deposit to my bank. I would like the direct deposit option to be available, like it is to all other customers.
I had a company credit issued to me and the company closed the credit card in XXXX 2014, however the credit card continued to charge me a fee for a service from another company that I had already closed, without informing me of this going on. The card had been closed and expired and the credit card still let the charges accumulate. They also went to an electronic notification and I was never notified of any of this until I received a collections letter over a year later about charges and they were sending me to collections. The credit card let a company charge a closed account for over a year and never informed me of this, and the company charging against the credit card has not provided any service to me since XXXX of 2014, when I closed the account.
On XXXX XXXX, XXXX, XXXX XXXX XXXX added two derogatory marks on my credit file per XXXX XXXX  The amounts were {$59.00}, and {$1500.00} dollars. Upon further research it was discovered that as of XXXX XXXX XXXX XXXX XXXX actually had their license revoked in Florida and therefore can not come after me for this debt. Also there was NO WRITTEN form of communicatiofor/ contract for these accused debts at all.
XXXX XXXX called my job looking for me. Instead of sending me documents by mail, and not calling my regular phone. I think its a scam. He called from National Credit Adjusters XXXX ext XXXX
I am a victim of identity theft. The following accounts listed on my XXXX XXXX, XXXX and Experian credit report is fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX, Line of Credit, XX/XX/2018, XXXX XXXX XXXX, Unsecured Loan, XX/XX/2018 2018