WillisBack/dataset-financial-user-claim huggingface dataset:
I had a bank account with wells fargo open from XX/XX/XXXX-XX/XX/XXXX. Wells fargo keeps changing their story for why my new account was closed. I called XXXX XXXX and he told me it was because i harassed their district manager XXXX XXXX, but he did n't explain how i harassed her and my new account was closed XXXX days after it was open, very suspiciously. XXXX XXXX then proceeded to tell me in the letter that i 'm not allowed in any wells fargo, he even made sure to mentioned to say that i was n't allowed in the XXXX XXXX location where i ran into XXXX at the front door but I did not bother her. Let me point this out i had no idea anything was wrong until i called to see how much money was in my account, on XX/XX/XXXX when i learned my account had been closed. I am being treated very unfairly here and for XXXX to assume i would be a problem to disrupt wells fargo daily business. It is XXXX who is disrupting everything. I was banking with wells fargo even before XXXX started working their, its not right that i get treated this way.
I 'm filing a complain against Wells Fargo Home Mortgage and the Real Estate Settlement Procedures Act ( RESPA ) which allows WFHM to collect for a minimum required escrow balance in addition to the funds we collect for your property taxes and homeowner 's insurance ( yearly ). For California, the allowable minimum requirement is 2 months of escrow payments. This would be considered a WF requirement as RESPA allows for us to do so. Well, my wife and I makes over $ XXXX/year last year and we have to pay {$2100.00} monthly mortgage based on 4.5 % APR. I strongly believe that the minimum 2 months balance is highway robbery. I was wondering what is CFPB is doing about. I have e-mailed my local XXXX. Congressman, XXXX XXXX, to start a bill in XXXX to repeal this act as it hurt XXXX of strong middle-class Americans like my wife and I. I might take it further to my California XXXX. Senators and also to XXXX XXXX Obama also. Thanks, XXXX XXXX XXXX XXXX
ERC kept repeatedly calling me about a debt that was discharged under Chapter XXXX Bankruptcy. All debtors were notified and it has been discharged. This company kept asking for my social security number because they could not find my account. If I had an account they would know my info. I refused to give them my social but I gave them my attorney 's number and name. Plus they were asking for me by a name I have not went by in 5 years
inaccurate information reported to all 3 credit bureaus, submitted ftc and po reports already, over 45 days
I have been paying a {$150.00} minimum payment for several months. For XXXX 's statement, the min payment went up {$3.00} to {$160.00} for that statement period. I was told by a bank rep that this was due to XXXX having 31 days in the billing cycle as opposed to the previous few months only having 30. 
So for XXXX 's statement that was due on XX/XX/2018, I sent in the {$150.00} that I have been paying for a few months. I did not realize the increase of the {$3.00} because my wife receives the e-statements via e-mail from this bank and I recently took control of paying the bills in the house and she did not tell me of this {$3.00} increase in the minimum payment for XXXX. 
I made the {$150.00} payment for XXXX that was received by the bank on XX/XX/18 with a due date of XX/XX/2018. 
I was assessed a {$27.00} late fee for not paying the full minimum payment due and not because the payment was late. I telephone the bank in XXXX when I noticed the late fee and explained the situation. I was informed the late fee would be removed from my account. However, their was miscommunication between myself and the rep because I believed that {$27.00} late fee would be removed from my total minimum payment for the following month, however I was told later on that this is not the case and that late fee would only be removed from my total overall balance with the bank. So with that in mind, I paid the original minimum payment of {$160.00} for XXXX 's statement with the knowledge that I wouldn't be charged {$27.00} late fee. 
This was not the case as I was charged another late fee for XXXX statement because I did not pay the full minimum payment of {$180.00} ( {$160.00} plus the {$27.00} late fee ) for the prior month thinking that late fee was waived. So with the current XXXX statement ( due XX/XX/2018 ) I was assessed another late fee of {$38.00} bring XXXX minimum payment to {$220.00}. 

I noticed this and contacted customer service on XX/XX/2018 and described this whole situation. I was told that the two late fees of {$27.00} and {$38.00} would be waived from my TOTAL ACCOUNT BALANCE but not from my current min payment due on XX/XX/XXXX of this year. I asked to speak to a supervisor. When I did I informed her of the situation and she confirmed the two late fees were waived but the {$220.00} minimum payment due could not be lowered. I asked for an explanation why the minimum payment could not be reduced because I agreed to these terms and conditions when I opened the credit card account initially. 
I then attempted to make the point that a {$3.00} mistake on my part initially, 2 months prior, has now ballooned into an increase of {$60.00} that I would have to make on the current statement and how unethical and wrong this situation appears to be. She informed me that their was nothing that could be done with regards to the amount minimum pay due because of the original terms and conditions and due to the fact that the minimum due has already been " cycled ''. 
I informed the supervisor that I believed this was unfair and I would seek remedy to this issue. 
That is the final correspondence with the bank and where we stand at the present time.
Contacted Equifax on XX/XX/18 about removing security freeze was told to call back the next day due to not being able to lift the freeze. Called again on XX/XX/2018, provided pin # to have freeze removed and was transferred to at least 6 reps who could not assist me. Spoke with a supervisor who assured me it would be escalated and the freeze would be lifted in 24-48 hours. 48 hours later on XX/XX/2018, the hold is still in place and again called to have the freeze lifted. I was given a confirmation # that the hold would be lifted in an hour which still has not been done. This is beyond unprofessional. Each rep I speak with gives me the same reason and no one wants to rectify the situation. I am being denied for credit due to this issue. I need the freeze lifted immediately.
There are several accounts reporting on my credit file that do not belong to me. The following accounts are not mine:XXXX XXXX  - XXXXXXXX - XXXXXXXX - Transunion and XXXXXXXX XXXX - XXXX and XXXX XXXX - TransunionThese accounts are a result of fraud.
I am elderly person that is trying to keep his home, I have tried numerous times to submit a loan modification package, but my mortgage servicer Caliber Home Loans underwriter has made my process impossible. Hiding behind guidelines just to delay my loan modification review. I provided a fully package back on XX/XX/XXXX, then my servicer stated that they need 30 days to review, I was supposed to received an answer on XX/XX/XXXX, but instead the underwriter requested pay stubs for someone that has nothing to do with my mortgage since I provided a quit claim deed. But the underwriter never looked at this. By requesting this he or she was able to go on with the holidays. By the time they figured out that what he or she requested was not needed, 30 more days passed by and I was falling deeper in debts since they are adding all type of fees on top of my mortgage. I went to court again on XX/XX/XXXX and a day before my settlement conference, they underwriter stated that my pay stubs were fraudulent and requested more pay stubs. I went to court with my most recent pay stubs and provided them to the court. The bank attorney did not want to take the pay stubs, but instead to fax them or email them to Caliber Home Loans. I sent my pay stubs to Caliber Home Loans, they told me that it will take 5 to 7 days before these information shows up on their system. By the time they looked at my pay stubs, all my previous documents expired, now I have resubmit a whole new package and I am sinking in debt, now I owed {$61000.00} and requested help 3 months after I failed behind. I can not get a good faith review of my loan modification application and I am caught in this horrible vicious cycle. I am seeking your help, I can not lose my home, it is everything that I have. I beg for your help. Thank you
As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )
Linebarger, Grogan, Blair, Sampson LLP ( Linebarger ) has attempted to contact someone ( an " Individual '' ) at my address by US mail and by phone at the landline number associated with this same address since XXXX XXXX ; this person 's name is clearly spelled and specified as per the attached PDF and Windows Media Audio Files, respectively. 
In XXXX XXXX as the result of other mail and robocalls for the same Individual sought by Linebarger I filed an FTC Identity Theft Victims ' Complaint and Affidavit and used it to file a Report with the XXXX County Sheriff 's Office in XXXX XXXX against this same Individual. 
XXXX/XXXX/XXXX : Received an un-postmarked Presorted First Class Mail letter at my address sent by Linebarger to this Individual. 
XXXX/XXXX/XXXX : As a result of the letter sent to my address for this Individual by Linebarger I called the XXXX XXXX and opened a case. 
XXXX/XXXX/XXXX : As per instructions from the Postal Inspector I returned the envelope received XXXX/XXXX/XXXX UNOPENED marked w/ '' Does Not Reside at this Address Return to Sender '' to the US Post Office Annex in XXXX , TX to be returned to Linebarger . 
XXXX/XXXX/XXXX : I received a Presorted First Class Mail letter from Linebarger at Zip Code XXXX postmarked XXXX/XXXX/XXXX for the same Individual. I followed up with the Postal Inspector. 
XXXX/XXXX/XXXX : I returned the envelope received XXXX/XXXX/XXXX UNOPENED marked w/ '' Does Not Reside at this Address Return to Sender '' to the US Post Office Annex in XXXX , TX to be returned to Linebarger . 
Prior to returning both letters I scanned the UNOPENED envelopes as evidence as per the attached PDF file. 
XXXX/XXXX/XXXX, XXXX and XXXX/XXXX/XXXX XXXX : Linebarger robocalled my home phone with messages for this same Individual. 
These messages are attached ; the second is truncated because the answering machine ran out of recording time. Linebarger does provide an Option in the event that the call is live answered such that " If we can not reach ( Individual sought by Linebarger ) at this number press 7 and we will remove this number from our records. ''
I have been contacted by this company ( XXXX XXXX XXXX XXXX ) XXXX times now using a different debt collector each time. When I call and explain to the debt collector that I have never used this company for any transaction of any kind they take my info and I never hear back from them. This current debt collector EOS CCA XXXX XXXX XXXX XXXX, MA XXXX is just another pawn in XXXX XXXX XXXX XXXX 's collection placement scam.
I am trying to work out better payment terms with PNC bank for my privet student loans but they are not offering any help. 
I do n't own a car or a house and I live with XXXX roommates. I only have {$200.00} a month to feed and clothes myself. 
I pay almost {$500.00} a month in interest on a {$660.00} payment. 
I want a loan modification to make my payment affordable or consolidation of my XXXX loans into XXXX. PNC outright refuses any type of help and says I make to much money despite my other loan payments and rent. All consolidation efforts I have made with other companies such as XXXX XXXX only end with them telling my I do n't make enough money. I have no help, my co-signers went bankrupt and my only living grandparent is in the hospital. 
I do n't live like an adult because I owe so much money for school. 
I am trying not to become delinquent, so far i have managed to make my payments but i am on the edge.
Mortgage note sold multiple time, note was discharged in Chapter XXXX Federal Court beforeCarrington Mortgage acquired it and should have never reported this as negative information on me or my wife 's credit reports, the original note holder XXXX XXXX did that during Bankruptcy. This is causing XXXX extra negative item and must be removed.
Debtor contacted my sister in another state, Georgia, about my debt. My sister is not a party to any debt that I owed. She has been contacted several times in XXXX via phone. I consider that a violation. In addition, I am contacted incessantly. I am trying to find out if the hospital has requested this.
SLS attempted and has extorted monies owed me from the selling of my property at XXXX XXXX XXXX XXXX, Tx. XXXX. I sold my property in XX/XX/XXXX. SLS was properly communicated with and notified by the buyers title company that the XXXX taxes were being transferred to, and paid by the buyer. Fully knowing that taxes are n't billed until XX/XX/XXXX, and due by XX/XX/XXXX ... SLS had just bought my loan from XXXX in the mist of my selling transaction, so in the hast to extort some monies out of the deal the XXXX added a escrow/impound advance balance to the closing cost statement in the amount of {$2600.00} fully knowing the above mentioned to them by the title company. In speaking to the Texas Tax Authorities NO XXXX taxes were paid by SLS on the property, nor was there ANY insurance payment made to any insurance company. The last taxes were paid by me in XX/XX/XXXX ...
This loan company, Loancare, has been harassing me since the start of the loan assumption for their mishandling of our insurance, escrow, and now our property tax.

The tax bill is now {$750.00} as ofXX/XX/XXXXaccording to a " XX/XX/XXXX Delinquent Property Tax Notice '' and on that bill it states " All property with unpaid taxes will be sold at our Tax Sale '' with a due date of XX/XX/XXXX. Now while I am sure that XXXX  County is not going to sell my house right out from under me on XX/XX/XXXX the bill was due inXX/XX/XXXX for the year XX/XX/XXXX. I spoke with a representative yesterday from XXXX County yesterday to confirm that the taxes are still not paid. According to the payment history on Loancare 's website, they paid {$36.00} so I just got off the phone today XX/XX/XXXX, with XXXX XXXX at XXXX County Revenue and it is their policy not to take any partial payments so that is another strike against Loancare.

On XX/XX/XXXX I attempted to call Loancare and after a brief hold I was told by a recording that due to a high volume of calls that I would have to leave a phone number. I did this two times at XXXX and a second time at XXXX. I got zero response. After the call to XXXX XXXX today, I tried to call again at XXXX  with still having to input my number. Note : they did not continue to give me an option of holding.

Loancare bought out my USDA mortgage from XXXX XXXX  and has messed up our homeowners insurance status multiple times requiring multiple calls resulting them trying to force me to buy their insurance when they are the ones that messed up. They sent the insurance check to our former insurance company then charged us for insurance when we NEVER had a lapse in insurance. Recently they tried the same thing again just because I had gotten married and the insurance with XXXX is in my married name.

They were charging me an exorbitant amount for my escrow account and had to refund me twice within a year for over payment. The first time it was close to {$500.00} and instead of reviewing it, they kept the escrow charge the same and had to send me another check onXX/XX/XXXX for {$1900.00} after I initiated the action by emailing them and asking why they have not changed the escrow amount so my excess payment can be taken off of the Principal instead of sitting in escrow building up interest for them. It still took them over a month to decrease the escrow amount with our first payment reduction coming due in XX/XX/XXXX.

This company needs to be prohibited from any new loans until they can work out their many failures.
I have an account that is reporting incorrect information XXXX XXXX this is reporting inaccurate information experian refuses to investigate I also have an address listed XXXX XXXX XXXX never lived there they refuse to investigate
This is a formal notice that you have failed to respond in a timely manner to my dispute letter concerning the accuracy of what you have on my credit report. Under the FCRA 15 USC 168i ( 5 ) ( A ), you have 30 to  respond to my request for verification of the erroneous items. Your negligence has cause me harm, since it has affected my ability to obtain new credit. Since you have NOT PROVIDED ME NAMES OF PERSONS you contacted for verification, per 15 USC 168i6Biii, nor complied within the statutory period, I assume that you have not been able to re verify the information I have disputed. Therefore, you must comply with the provision 15USC section 168i ( a ) of the FCRA and remove the disputed items from my credit report immediately. If I DO NOT receive a revised credit report, free of charge, with the items removed at theaddress stated, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance. '' Your credit bureau may be liable for : 1. actual damaged I sustained by your failure to delete items 2. punitive damages as the court may allow 3. costs of the court action, plus  attorney 's fees
XXXX  will not remove these inquiries from my credit report that i did not authorize, i have contacted them several times with no help at all.       XXXX   XXXX  - XX/XX/XXXX  and  XX/XX/XXXX    XXXX    XXXX - XX/XX/XXXX    XXXX -   XX/XX/XXXX  and  XX/XX/XXXX   XXXX - XX/XX/XXXX   XXXX   XXXX -  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX -  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX - XX/XX/XXXX   XXXX   XXXX - XX/XX/XXXX  WFDS- XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX   Finance  XXXX    XXXX   XX/XX/XXXX   XX/XX/XXXX  Bank  XXXX   XX/XX/XXXX   XX/XX/XXXX  Credit Union   XXXX   XX/XX/XXXX   XX/XX/XXXX  Credit Union
Per the previous response to the CFPB, Experian agreed to remove all unverifible names from my credit report, to include any item not subject to correct information. In order to continue supporting corporate injustice, they have still refused to remove unauthorized names. Experian operates a service that verifies names and social security numbers, and after certified letters, and complaints through the CFPB, they have refused to remove the unverifiable name. In the operating of that for sale product, they are within the capacity to correct this information. No creditor, or lender or any other entity has the ability to create a name that is n't verifiable through name, social security number verification. My complaint is that in their response they agreed to remove the name that is n't verifiable to my social security number, but to allow unauthorized entries on my report, to include a lot of unauthorized inquiries, they have failed to do this. This practice is common, experian which i can prove, stated that they verified XXXX individual items with the creditors and refuse to remove, until i as a consumer threaten the lenders directly and they all were removed. The game around the statue, is when the consumer disputes online, they refuse to investigage after one dispute, but if the consumer writes they state that they do, but actually do n't. Experian dispute process is outside of the united states, and therefore ca n't be truly a dispute process. 

Experian XXXX XXXXName : XXXX XXXX XXXX XXXX XXXX XXXX XXXXAlso Known As : XXXX-This is the name not verifiable with social security number, deliberately by the social security administration. 
- XXXX XXXX
Sent a cease and desist letter via fax on XXXX XXXX, 2016. Called and spoke with a representative and verified receipt by the company. Still getting phone calls in violation of the FDCPA. So far there have been XXXX occurrences after verified receipt of an order to cease and desist.
On Saturday, XX/XX/XXXX, my mother had received a letter from 5th/3rd bank stating that my car had a total of {$1200.00} of payments in default. As she is co-signed on the loan, I knew I would be getting my letter soon, however come Monday I had n't received a letter yet so I had to rely on the pictures she had sent me when I called asking about the amount. It was the amount financed to purchase CPI, and I had n't paid anything towards it since a letter was sent regarding my insurance expiring obligating me to send proof that I was holding insurance. I had received a letter in XXXX and had XXXX send a policy binder in XX/XX/XXXX 

Since the CPI was still applied on XX/XX/XXXX I asked if they needed me to send proof of insurance again. They confirmed this, so I sent another binder to the fax number they provided me ( XXXX ) and called every day afterwards only to be told on Thursday,XX/XX/XXXX, that they do not accept policy binders and I was instructed to fax a declarations page. I called XXXX and had them fax a declarations page and continued to call asking for processing information, only to learn today,XX/XX/XXXX, that it was n't processed because I need to make my payment for XXXX before they can accept it as current. Not only that, but XXXX informed me that 5th 3rd bank would have found a declarations page on page 5 of the binder had they looked. 

I am now going to have to wait until tomorrow in order to send another declarations page and wait 3-4 business days before I am able to confirm that it was processed, all while hoping my vehicle is n't repossessed in the meantime. 

I also am not able to attach digital documents because 5th 3rd has repeatedly refused to deal electronically and had only handled business over the phone.
Union Bank IT employees continue to " Cancel, Stop, Change '' Bank Fraud Alerts, Overdraft Protection Alerts, Deposits and withdraws.
I am XXXX years old with no money for retirement and my student loan of XXXX is causing me undue financial hardship. My health conditions are making so that I can not longer work extra hours ( XXXX ) to pay for these loans. I have a XXXX in Information and an XXXX that has not paid off and I am in the same job that I was doing prior to taking out this loans so this education has not paid off for me. I also am a single parent supporting a XXXX student that can not match for a XXXX due to the limited XXXX in this country ( XXXX applications for XXXX positions ). I need a lawyer that will discharge this burden so that I can save some money for retirement or I will be living in the streets for sure. I need some help please. I 'm so depressed.I have gone to several attorneys and financial advisers and they can not help me.I need a lawyer that can help me please. Please email me at XXXXXXXXXXXX or call XXXX.