WillisBack/dataset-financial-user-claim huggingface dataset:
I am filling this complaint because I have submitted a modification packet since  XXXX . I was told to keep submitted additional documents to make sure my loan continues the review. However when I called Wells Fargo to get an update I was told that I have a schedule sale date for  XXXX   XXXX ,   XXXX  . I was shocked because I have never den ied Wells Fargo to  reach out to me in case anything additional was needed. I am still willing to work wi th Wells Fargo. H owever today I spoke Agent  XXXX  id #  XXXX . From the re-entry team  XXXX  stated that due to my active sale date . Wells Fargo i s refusing to review my modification packet even though it was submitted 30 days before my sale date. Therefore I had to involve my investor  XXXX   XXXX  I open a  case number-  XXXX . Due to all the fraudulent and deceptive practices  Wells Fargo is  using in order to deny me any assistance. When I spoke to my investor I was advised by Agent  XXXX  there was no respond from my lender. I have the right as a home owner to be review for a modification. I have also advis ed Wells Fargo my  husband income is enough to be provided an affordable mortgage payment. My husband and I have attended workshops for struggling home owner like ourselves and have created a stick budget to make sure we cut lots of unnecessary expenses to make sure we can present a surplus to Wells Fargo. Our intentions are to keep our house with an affordable mortgage payment.
I filed a dispute with XXXX in reference to a debt collection company called Portfolio Recovery Associates and the results of the dispute stated that the debt was verified. In the dispute letter that I sent to XXXX I speciaffically stated the following : " Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately ''.
According to letter I sent and the law they are to provide me with a original contract and I have not recived it. XXXX reported that is was verified and that the company was not required to send them any documentation verifiying the debt. I then contacted Portfolio Recovery Associates and they said that they did not have an original contract and that they did not have to provide the contract to me or the credit bureau. According to the FCRA it is required by law by the collection agency and XXXX to provide the original signed doucuments proving that this is my debt. All I want is the proof and if they can not prove this is my debt I would like it to be deleted from my credit file immediately.
We have already filed a complaint against Ocwen and altisource. # XXXX. We have just found out from a XXXX XXXX our mortgage with Ocwen was closed with XXXX balance XXXX 2014. If that was the case how could Ocwen offer a modification with a falsified appraisal from XXXX? We have sent all this info on to Senator XXXX XXXX. This mortgage was a securitized/ robo signed paper trail. Ocwen attorney as of last month told our attorney our case was closed. this was right after we contacted the U.S. consumer protection and other parties. Someone is trying to pull a fast one. In our story we have been stateing our property has been damaged by rock pit operations. in Idaho there are NO LAWS to protect us from the blasting damages. As of this last month we won the court case with the county that the blasting devalued and damaged our property. The judgement set the value at XXXX XXXX other appraisals were at the same amounts including XXXX Idaho state property tax appeals rulings and wins. After Ocwen couldnt find a appraiser that would match their value they hired XXXX. XXXX value was exactly what the modification was offered, without even looking at the property.
I have problem with Honda financial services I paid to cars from two different account first one the older is Honda crv 2012 account still open and making payment every month. The second account it's Honda accord 2016.honda financial services thay took the the from because iwas behind sixty days for my payment. They have the car since XX/XX/2018 more than a month and still the account is open and it's affecting my credit report and my credit score it's not fair please resolve this issue for me I am not able to do anything. Thank you very much for your help. XXXX XXXX
XXXX XXXX XXXX XXXX, Account was Paid, Company stated that account would be paid with deleted from Credit report and was n't. I Would like for it to be Deleted from all 3 reports!!! 
Open XXXX/XXXX/XXXX Paid XXXX XXXX XXXX, Account was Paid as Agreed, Transferred to XXXX XXXX XXXX, Only had 1 account and had been PAID IN FULL XXXX. I would like for it to be deleted from all 3 reports!!!
On  XXXX ,   XXXX   I closed on   XXXX  se parate homes in  XXXX   XXXX , fl. The closing agency was  PERL ; AND TITLE ANS ESC ROW  SERVICES CORP,   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , FL.  XXXX   ... the funds were wired to me after  closing.Appx  {$2400.00} was held in escrow for customary reasons . Two days after closing I was notified by my realtor the closing company stated above refused to sent my the funds from the escrow account.They claimed I was overpaid on one of the pro perties and they are holding funds from all  XXXX  properties. Each sale was independently. I was originally told seller proceeds would be {$250000.00} yet I received only appx {$240000.00}. This company is holding my escrow funds illegally. I would appreciate your assistance in resolution of this matter.
I have reason to believe that my deaseased husband XXXX XXXX XXXX SS # XXXX, committed mortgage fraud and tax fraud in my name or my name that has been hidden from me until now because I was XXXX. I think that he forged my name on documents and included me on a bankruptcy without my knowledge. I believe that my credit report is also not disclosing this. I 'm currently working with XXXX to restore my identity.
XX/XX/2018 - Reached out to Wells Fargo regarding a HARP refinance and talked into the Loan Modification process since the HARP refinance had ended already. 

XX/XX/2018 - Approved and No Payment due this month per XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 - Payment 's made on time and in the amount of {$550.00} XX/XX/2018 - Filled out papers again per XXXX XXXX for Loan Modification XX/XX/2018 - Approved and No Payment due this month per XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 - Payments made on time and in the amount of {$800.00}. 

XX/XX/2018 - Filled out papers again per XXXX XXXX for Loan Modification XX/XX/2018 - Approved and No Payment due this month per XXXX XXXX. 


Each time I asked about the No Payment due for the month, it was explained to me by Mr. XXXX that this was worked into the Loan modification process and is designed to help the consumer. 

What was not explained was that this would be reported as 90-day late payments to our credit. 

I had most if not all payments Auto-Drafted and I never once received notice about us being behind in payments.
XXXX is reporting to Transunion an open XXXX balance on a paid off closed account.
The 2009 Credit Card Accountability Responsibility and Disclosure Act dictates that if the annual percentage rate on my card was increased to more than what was agreed upon in my Card Agreement, then the bank ( credit card provider ) must review my account every six months to assess whether the factors that prompted the increase have changed. Upon this re-evaluation, if factors are met, the APR is to be reduced to the agreed upon rate. 

Upon review of my account and payment history, I have determined that Symphony Bank / Lowes did not conduct such re-evaluations of my accounts, or used unethical or illogical tactics in its methodology to re-evaluate rates that decreased the likelihood that I would qualify for a rate reduction. 

Due to this miscalculation of interest rate charges, Symphony Bank / Lowes violated the Truth in Lending Act and Regulation Z by  overcharging me for my credit card balance during the years of XXXX Current Day.
My house is newly built and only 6 months old. I requested my mortgage company to take off PMI as I paid off 80 % of my loan amount in XX/XX/XXXX. They requested for an appraisal. My house was bought as new construction in XX/XX/XXXX and since then I had no major/minor repairs/issues with my house. I also added a beautiful deck this XX/XX/XXXX. Now in XX/XX/XXXX the appraiser did the appraisal and got all wrong facts about the house in their report and provided a low estimation. My community is newly constructed and there are same type of houses that are being sold at higher price than mine and total home values are appreciating as community is building swimming pool, play ground, garden, etc..but I am not understanding how my house value goes down. I called Nationstar Mortgage to get details and they are blindly going by the incorrect appraisal report without even verifying the facts about my house. This is creating lot of trouble and they are asking ME to pay dawn another XXXX to take off PMI. I think this process is incorrect and there is something doubtful about how Nationstar is handling the PMI cancellation requests. The appraiser they are using or partnered with is not keen and is doing appraisals in favor of Nationstar and not as an independent appraiser.
Re :  Account #  XXXX  To Whom I t May Concer n : This letter is regarding account # which you claim my account was charged off {$870.00} This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. P lease note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX   ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the F air Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio n 807-8 ) Y ou will be required to appear in a court venue local to me, in order to formally defend yourself.   For the purposes  of 15 USC 1692 et seq., th is Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of   status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
I wrote Equifax over 6 weeks ago. They have not responded to my request for an investigation.
I have an account on my credit report that was deleted by Experian several months ago due to someone stealing my information and getting an apartment. I noticed last month that Experian has reinserted or re-reported this collection back onto my report as a new debt collection. 

I have sent a letter pressing them to remove it and no response yet. The letter was sent XXXX. I 'm trying to move forward with something and need to use my credit but because of this collection that is put on hold. 

Experian is a big company and I know I 'm just a number of them but I 'm hoping to shine some light into this and get the service I need. 

Thank you, XXXX
Company : Coinbase I have made a wire transfer to my Coinbase account to be able to purchase crypto currency. All my details were entered correctly and my bank has confirmed that the company has taken receipt of the funds. The funds have however for long past their promised time frame still not been credited to my account. I have attempted on numerous occasions to contact their customer support via email, twitter and phone and have received no response.
Someone open a credit card in my name with Capital one and now their charging me for several cards and it's stoping me from being able to get credit cards let loans
Equifax aggravated cyber-cuffing not allowing me to dispute their credit report after I had already been assigned a confirmation number on my equifax profile file on XX/XX/2018. XXXX case number was subsequently requested and submitted with witness of high level corruption discussed X 3 witnesses. My address was correct which got me into my equifax account and the equifax employee subsequently lied stating that was the reason the account was unavailable online and stated it takes 30 days to correct address!! 
INVESTIGATE EQUIFAX!!
I did n't receive a loan from these people who have now escalated this to a litigation firm ARA. This company has " process '' servers calling me up to XXXX times a day stating I better contact this number to ARA otherwise they will press criminal charges against me for fraudulent checks!
After telling them to stop allowing XXXX load company to stop ACH withdraws and electronic billing withdraws. They continued to allow the company to withdraw from my checking account when they did not have authorization. Causing my account to overdraft from the unauthorized withdraws. Capital one 360 told me XXXX times that they would send an affidavit in XXXX days to resolve the issue.
I responded to EQUIFAX Hack by submitting my information to obtain promised credit file monitoring package from their TrustedID Premier program onXX/XX/XXXX. I received an email from Equifax stating that " We have successfully received and are processing your information. '' on XX/XX/XXXX. The next step in the process was to send me an email to finalize the enrollment and activate the product. I have checked my email daily for 10 days until XX/XX/XXXX at which time I called the Customer Service number. They were not able to give me any information except that their servers are very busy and could not indicate when there would be any response. I requested to talk with a supervisor who responded that I should call back and he rudely hung up on me.
I was checking my credit report to make sure that another issue had been resolved and saw this debt had been put back on my report. I had this judgment resolved and then expunged from my record. I will attach a copy of the expungement record.
Following a recent review of my credit report at the XXXX, Experian and XXXX  consumer reporting agencies, I learned that XXXX XXXX XXXX ( account number XXXX ) ; XXXX XXXX ( account number XXXX ) and XXXX XXXX ( account number XXXX ) were reporting delinquent 30 days when this was not the case. In fact, the accounts should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and credit reporting agencies and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2000, I deserve more.
I made a deposit to my account with USAA on XXXX/XXXX/15 and received a confirmation stating it was received and PROCESSED on XX/XX/2015, however when XXXX items were presented that night they were returned. I have attached the PDF I made of my confirmation for evidence. When I called and spoke with a representative he claimed the deposit did not post until XXXX/XXXX/15 and as a result they returned both items. How can they justify returning my items after they misleading me to thinking my deposit was effective on XXXX/XXXX/15. They claim they have a cut off time and I made my transfer after this time, but this not posted on there website, nor did my transfer confirmation show an effective dateof XXXX/XXXX/15. More importantly the funds reflected in my available balance immediately after the transfer. This is extremely deceptive and only allows USAA to charge fees to clients unfairly and create financial havoc.
In XXXX I started the process of getting a forbarance agreement on my Wells Fargo mortgage.To reduce my monthly mortgage payment.The reason for request was loss of job.My husband was layed off due to lack of work, he is a XXXX.we were granted a forbarance agreement.Our payments were reduced to XXXX.The XXXX 6 months was a trail period then after the XXXX months of paying payment every month on time it became a permanent agreement.In XXXX of XXXX we declared chapter XXXX bankruptcy.Our home was exempt from the bankruptcy.Our discharged was in XXXX XXXX.In XXXX XXXX when I called to make a payment they told me they could n't accept the payment, The reason they said was they, sent me paperwork and I did n't return it.I never received any paperwork.They took the payment and told me They were gon na send me a new packet and I had to complete it and send it back before next months payment would be accepted.I submitted paperwork they accepted payments up til XX/XX/XXXX.In XX/XX/XXXX I received a paper that I had to go to court cause I was losing my home.I called Wells Fargo spoke to a mortgage specialist she told me I was missing paper out of packet they sent me.I was told ito resubmit paperwork that was missing, after they received the paper I was told to disregard the court date they were processing the paperwork and they would contact me.The paperwork I filled out was a application for a forbearance agreement-when I asked why I had to fill out this paperwork was told it was to up date my account. The notice for me to go to court was given to someone sitting on my front step on a Sunday.XX/XX/XXXX payment was returned to my checking account I was not notified of the returned money til weeks later when it appeared back in my account.When I called about returned payment was told there was problem with paperwork a few days later I received a final judgement from the courts stating i did n't show up at hearing and I was losing my home.Called Wells Fargo spoke to someone about the paper I received.was told to resist missing paperwork and she contacted the underwriter to stop the sale of home.I have been in contact with them for the last few months on a weekly sometimes daily basis.been assigned numbous specialist.Therre still is no resolve every time I speak to a new person there 's a new problem.now I received a paper stating my home goes to XXXX sale XXXX XXXX. They have not accepted any mortgage payments since returned payment in XXXX.
1.XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2.XXXX/XXXX   XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX/XXXX XXXX, FL XXXX ( XXXX   ) XXXX 4.XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX 5.XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I am showing inquiries from all the above creditors and I have never applied for credit with any of the above listed companies.
On XX/XX/2018, I mailed a certified letter requesting the credit bureau to remove all incorrect names and addresses from my report. I included the only name and address that should be listed. I also attached a copy of my driver 's license, social security card and utility bill as proof of name and address. As of today 's date, XX/XX/2018, I have not received a response from them and there have been no corrections made to my credit report.
I closed on my home on XX/XX/XXXX with XXXX XXXX and I had a PMI payment of {$710.00} per month. The company, United Guaranty, was the company that the monthly PMI payment went to. I paid this exorbitant private mortgage insurance for over ten years. I have paid roughly {$90000.00} in private mortgage insurance fees ALONE. I think that I was given a subprime loan because of my race and gender. I feel that money should be awarded back to me. I am still in my home as of XX/XX/XXXX. After years of paying the ridiculous month of {$710.00}, the PMI on my loan was finally reduced to {$34.00}. I want my money back. I feel like I was scammed. United Guaranty should be ashamed.
I have gotten daily calls for weeks from XXXX XXXX XXXX ( # XXXX ).  I have no credit account with them. They can not locate my name or phone number on any of their accounts. They say they have no records for me and have no idea why they have my number. I have asked them 7x now to stop calling me. Three reps said they can not remove my number from their call list. The last 3 reps I spoke with say they will remove my number, but the calls continue. I may have to file a police report for telephone harassment, as a last resort. I have filed a complaint with the Federal Do Not Call Registry, but the calls will not stop.