WillisBack/dataset-financial-user-claim huggingface dataset:
Our Wells Fargo Home Mortgage Loan Number XXXX, recent Interest rate hike is more than reasonable. For XXXX years our base rate was 2.25 %, bought down by an initial substantial payment. Now interest is being raised by the full Libor rate. 

This week Wells Fargo advised that the rate would be the full Libor plus the initial rate or one they calculate to be 3 %, a 33 % gain when it is well known that there has been no substantial gain in interest rates over the last XXXX years. For a year, based on my {$150000.00} mortgage, this results in an additional {$1000.00} increase in payments. Based on this, the next five years, assuming a 1 % Libor each year, would cause the rate to be 7.24 %, a full 322 % gain, or at a minimum, an additional cost to me of {$5200.00}. This is usury. 

The loan agreement does stipulate this Libor rate increase but it is XXXX '' thick document, over XXXX pages, and I missed the full Libor increase clause when initiated. I thought, when they said an increase it meant the percentage change in the rate, not the full Libor rate. A change would mean subtracting today 's Libor rate from the original rate and using the sum as the adder. This would be reasonable. 

Credit score is not in question because mine is XXXX. Is there anything you can do to relieve me of this additional cost?
Account was opened on XX/XX/XXXX with a collection amount listed as {$790.00} and past due as of XX/XX/XXXX. The balance was paid off by a county program that helps chronic illness sufferers who are destitute and can not afford medical bills. They do not provide payment proof as this is meant to be sent by the medical office in question. There was no such proof sent. Notifications to collection company of paid account have been ignored. Furthermore said collection company in question, XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX. NJ XXXX with headquarters at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX  otherwise known as DRS Financial LLC is NOT licensed to collect debts in the state of Florida as per the Florida Office of Financial Regulation.
EXPERIAN AND  XXXX  are both reporting a completely fraudulent collection account, number XXXX .   by  XXXX   XXXX   XXXX   XXXX , a company under CFPB Consent Order which requires submission to CFPB supervision.The problem arises from the incompetent hospital biller  XXXX  represents,  XXXX   XXXX   XXXX   XXXX   XXXX  .I had  service there 1 day  in 2014,  The hospital biller puts  XX/XX/14    on  XXXX  bill and  XX/XX/14    on another for service that occurred on  one  day.If a hospital can not bill an insurer correctly then that insurer can not be held to bad faith.I was fully insured that day of service after employment by  XXXX , after a leave of absence, and then finally I paid a Cobra policy in a timely manner.One check for COBRA was written to  XXXX  on  XX/XX/14    And cashed by  XXXX  on   XX/XX/14 .A COPY OF  THAT CHECK IS ATTACHED.Also you are aware that insurance is not paid in arrears, and  XXXX  ha d that ch eck cashed ju st two  weeks prior to hospital service.I 've attached proof of  XXXX  'S incompetent billing, not even knowing what day the servic e occurred.The credit  bureaus must get  XXXX  to  certify th e correctness of the information or  delete immediately.  XXXX  already took a stand and deleted the  XXXX  account which vaulted m y credit score b ack up to  XXXX , OVER  XXXX  FICO  XXXX   points.This  willful error of  XXXX ,  XXXX  and Experian and  XXXX  who relay their false information is getting expensive.I 'm a middle tier interest rate on mortgage and credit cards instead of the very top tier I deserve.I 've been told by  XXXX  bank that EXPERIAN 'S REPORT put me in the middle tier fro m 14 per cent to 20 pe rcent on their credit card.   I ca n't have my real estate broker get a mortgage until this issue is put to rest.   THERE HAVE BEEN MULTIPLE INVESTIGATIONS WITHOUT THE EVIDENCE ( attached ) PROVIDE D HERE.THE EVID ENCE SAYS THIS ACCOUNT SHOULD N'T BE ON MY REPORTS AND  XXXX  DESERVE S ONE M ORE GIANT  XXXX   XXXX  DOLLAR FINE FROM THE CFPB.
there are debts on my report that have been on my credit report for twenty years. But they are not my debt. XXXX, XXXX, XXXX and other company popping up with different Social Security Number
I purchase a product from Home Depot using their credit card. I received the statement and made the payment of {$15.00}. The money was taken out of my account on XXXX XXXX. The next month I received a bill from Home Depot indicating that I owe them {$17.00}. I thought I called them about this. I received another bill the next month from Home Depot saying I now owe them {$37.00}. I called them yesterday questioning why I owe them when I paid my payment on time. The last day to pay on time was XXXX XXXX. Home Depot say that they did n't credit my account until XXXX XXXX so I was responsible for the late charge. They were willing to waive only XXXX, but say it was their company policy not to waive XXXX late charges in one month. I indicated that there should n't have been a late charge since I made the payment on time and it was taken out of my account in time. I do not believe that I should be responsible for them posting it to my account late and being penalized for it.
This XXXX loan was paid in full and still showing a balance of {$1300.00} in my credit report!!!!!
I have tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I originally se nt 2 let ters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limitations has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under  FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was  verified and met FCRA requirements. I a sked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd par ty company as I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.
Equifax provided my credit information to an unknown entity and refused to investigate this violation. There was a fraud alert at the time this occurred and they have ONLY offered to delete the evidence of this violation. 
Equifax Confirmation # XXXX is where they reported on my credit report that XXXX XXXX XXXX ( XXXX ) allegedly accessed my credit information on XXXX/XXXX/16. NOTE that there was a fraud alert implemented on XXXX/XXXX/16 by Equifax, 21 days before the violation. See XXXX 's letter where they state based on their investigation and their current practices and procedures that " an error of some type has occurred on XXXX XXXX 's credit report. ''
XXXX {$370.00} XXXX {$93.00} XXXX {$420.00} XXXX {$190.00} XXXX {$98.00} XXXX {$260.00} XXXX {$500.00} XXXX {$320.00} I have written them multiple times to get proof of debt and they have failed to send me anything.
They locked my account for the reason that I was not too active and sent the money to unclaimed funds somewhere. I came into the branch today to ask for the log in and found out. Now, I do n't even know where they sent {$1500.00} to. I asked them and all they said was that they do n't know.
my wages are being garnished for a debt that is not mine.I have received credit reports from XXXX and this account is no where in my credit reports.After reading the writ of garnishment I noticed that the social security number *********** had been crossed out and my social security number *********** had been handwritten in.This is not my account and I feel like a victim to unfair debt collection.
In the  XXXX  of  XXXX , I applied for income-dependent repayment. This application has still not been processed as of  XXXX   XXXX ,  XXXX . The company, Navient, says that they have not received appropriate income documentation. I have sent them alternate income documentation according to their instructions. I called the company twice and each time the person helping me on the phone could not find any documentation that was lacking. I asked them to submit queries as to what further documentation was needed. The company does not tell me what further documentation they require. I believe this is an intentional action on their part to avoid giving me income-dependent repayment terms.
XXXX report showed joint responsibility for a mortgage that has been assumed by my wife. I filed a dispute XX/XX/XXXX and received notice it was completed today. The item still remains on my credit report showing joint responsibility but with a note that shows I disputed it. I have documentation from Wells Fargo explicitly stating that I am " hereby released of any financial obligation. '' That is not a description of joint responsibility for an account.
Bank of America closed my checking account without providing notice or an explanation. This has caused me damages with regard to payments made out of that checking account prior to it being closed. 
Further, I have no access to the funds that were on deposit of approximately {$3200.00}. They state that they 've mailed out a cashier 's check on XXXX and it could 10-15 business days to get here. I needed that money to cover expenses. 
I feel that the issue sprang from a personal check I deposited via their image-deposit feature on their smart-phone app. That check was in the amount of {$250.00}. Their Risk and Fraud department called me the next business day ( XXXX ) to let me know that a deposit had triggered a " red flag ''. When I explained that I used the image-deposit feature, they accepted that as being the cause of the red-flag. 
I do not know what the official reason is for the closure, however I feel that I 'm incurring unnecessary hardships because of an arbitrary corporate decision that was most likely caused by Bank of America 's inability to process an image-deposit.
XXXX XXXX XXXX has called numerous times and has been extremely hostile when we have been on the phone. I do n't know what debt they are trying to collect, and since I do n't have any outstanding debts I am concerned this may be a scam, so I refuse to give them any personal information over the phone. On XX/XX/XXXX I had a phone conversation with XXXX XXXX ( representative of the company ) where she became extremely aggressive and threatened to contact all my family members after I told her I did n't want to receive any more phone calls from her or her company. On XX/XX/XXXX I sent them a letter requesting validation of the debt. They received that letter on XX/XX/XXXX according to the USPS certified mail tracking. As of this date,XX/XX/XXXX they still have not sent me any response to my request for validation, yet they continue to call me repeatedly. On XX/XX/XXXX XXXX XXXX called again, so I informed her that they could not be contacting me because they had not validated the debt. She became extremely hostile and began yelling, made some claims that they had validated the debt and then hung up on me.
I was overdrawn by {$150.00} in one Bank of America account and due to fees, am now overdrawn by {$800.00}. Without the fees I would be able to pay off my debt without issue, however I do not have the means to pay the exorbitant fees that have been tacked on to this balance. I would like to be able to work out a way to equitably resolve this debt.
Equifax continues to report a negative account on my credit report for which I was only an authorized user ; I had no payment responsibility on this account and it should not be reporting on my credit report. I have disputed this with all of the credit reporting agencies, including Equifax, and the account has been removed by all of the agencies except Equifax. This account is having a negative impact on my credit scores and is preventing me from obtaining necessary financing.
It start as XXXX Mortgage it change to Green Tree now its changing again to some Ditech or something.Something is no right please could someone help me.Because if someone show up to my house and threaten me like Green Tree did.Please it do n't suppose happen like this
Capital One is showing on all three Credit Reporting Agencies I owe them {$300.00}. I owe Capital One Nothing. 

The credit card was paid in full on XX/XX/XXXX 2017. Capital One has been charging Bogus and Fraudulent charges every month to come to the the amount of {$300.00}. My account with them should show paid in full with no balance owed. 

Capital One is messing up my credit and bringing my credit score down. I want you to get them to take this off my Credit Report at all Credit Reporting Agencies. 

Waiting for your reply. 

XXXX XXXX
I try to contact XXXX, XXXX, and experian, about several inquiries in my credit reports that i did not do. I did not authorized companies to run my credit, I been a victim of identity theft for the past months. Someone had been trying open accounts under my name without success, this past months. And CREDIT BUREAUS had remove some inquiries. But since a couple days the same think started to happen all over and XXXX and XXXX are ignoring my situation.
I closed on my conventional loan 1 year ago this month. 2 weeks ago I was notified of a payment hike to my mortgage payment due to intentional escrow shortage by my mortgage company. <P/>I believe this is a case of mortgage fraud. <P/>I ca n't afford to make this payment now for the next couple of years while my escrow ( s ) try and catch up. <P/>Please help me right this wrong. I do n't want to lose my home. According to my title company ( and they proved this via email they recently sent me ) the accurate tax information was sent to the mortgage co.a month prior to my closing. Mortgage disregarded this information. The form they used a few days before I closed, clearly does not reflect school taxes plus both counties. Also, I paid my home owners insurance in full when I closed. This really makes my debt ratio way off now and since closing on this loan, I made other financial commitments therefore. <P/>Based on what I have seen with the documents I have, I believe they did this intentionally so that I could be approved. <P/>11 months have gone by with no one telling me I have an enormous escrow shortage! <P/>Let me know what other documents you need from me. <P/>Thank you
R.S Clark an d associates has filed an account on my credit report dated   XXXX  ,2017 which is not a debt that I owe in the amount of  XXXX . Never had any dealings with this company ever. Also having knowledge that this company is not authorized to collect any debt in Florida.
XX/XX/XXXX I received my property tax bill from my town. I immediately asked for ( in writing ) an abatement from them because they had omitted the homestead exemption. The amount they assessed in error was $ XXXX.The correct amount was in fact {$980.00}.

( The taxes were due XX/XX/XXXX ) On XX/XX/XXXX I was granted the abatement by the town and my taxes due amounted to {$980.00}. I mailed letters about this change to my servicer, Fay Servicing at 2 addresses they listed, as well as emailing my account manager on XX/XX/XXXX.

On XX/XX/XXXX I got an email from Fay Servicing saying my taxes had been paid to my town for {$1200.00} ( more than was due, even if the original bill had been correct. ). There was no mention of receiving my letter that the original bill had been in dispute, and not to pay that amount until I got this sorted out. I had my sister call Fay on XX/XX/XXXX and left a voicemail for my account manager saying the taxes were paid in excess. ( Im hearing impaired and do not use the phone ) That check was not cashed and Fay voided the check on XX/XX/XXXX.

On XX/XX/XXXX Fay remitted the corrected tax amount to the town for {$980.00}.

That is issue # 1 I have with Fay : paying the incorrect amount although they had advance notice my original taxes were in error. Even then, Then the taxes were paid late.

My 2nd issue is that today XX/XX/XXXX I received a letter from my homeowner 's insurance company that my policy was cancelled due to nonpayment. My monthly mortgage payment includes an escrow account from which taxes and insurance are to be paid. The insurance was due XX/XX/XXXX. My insurance agent had sent Fay the insurance bill on XX/XX/XXXX.

When my agent today ( XX/XX/XXXX ) talked to Fay about the home insurance he told me they ( Fay ) were off nearly a month on my coverage dates comapred to what my insurance company has. The lady he spoke to was going to " make the necessary changes. '' This happened last year too ... .Fay didnt pay the insurance on time and I had to sort things out with them and the insurance company. I also get charged more because the bills are paid late.

I also have an issue with Fay not setting up the initial escrow account on time. It took them 2-3 months to set up the escrow, then only after I asked " why dont I see payments going into an escrow? '' The answer was " whoops, sorry, oversight. '' My last complaint is that the customer activity statement is so convoluted that I am having trouble understanding it ... .And there are several late charges noted although since Fay took over my servicing I have never been late nor missed a payment. There are also charges for property preservation in spite of my questioning this on the basis of never having left my home, and always maintaining my wish to live here permanently.
I tired to use my credit card to buy food but it was declined even though i new i had available balance. My credit card was account was closed on XXXX/XXXX/2016 and I was not informed about it until Five days later on XXXX/XXXX/2016. I have never missed a payment on any of my credit cards after reestablishing my credit like they insisted I had done.
Navient handles my student loans. Looking over my student loans - I have a fixed payment loan over 30 years at a 6 % rate. The payment allocation varies wildly. On one instance, a payment made on XXXX/XXXX/2015, 100 % of the payment was allocated towards interest. My original amount of the loan was XXXX after consolidation. The terms were set for 30 year repayment with the monthly payment being XXXX. I do n't pay extra at any time, I 've saved a pdf copy of my loan repayment history and the allocation. I can not find the terms of my loan on the website. While mortgages and student loans are different, at a fixed interest rate, ultimately, the amount paid should be the same - so I looked at the amortization calculators and entered my loan information - it estimates monthly payment at about {$130.00}. I 'm really just completely confused and never thought to look until seeing the news about Navient. So, my question is, if I 'm paying about XXXX extra dollars a month - which would be approx {$10000.00} over the life of the loan - am I missing something or is this completely incorrect?
I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening.
I have recently found out that my credit information has been compromised by the recent hack at Equifax. I went to their website today, XXXX17, and entered my information. The website stated that my information was compromised. They have released my personal information, including my name, address, and social security number to malevolent people due to their neglegence. There is even a chance that my credit card information has been taken. 

I have looked up my credit report at XXXX and it seems no suspicious activities are shown. But my sense of security has been violated and I will be constantly worried about identity theft from now on.
On XXXX XXXX I wired {$4900.00} from XXXX to Coinbase. Coinbase sent an email back an hour later claiming the wire transfer was rejected because the senders name did n't match the name on the Coinbase account, and that the money will be transfered back into the senders account within 3 days. I Called XXXX and sent an Amended wire transfer shortly after the initial Coinbase rejection email. Today is XXXX and I have n't heard from Coinbase yet. I 've sent 2 help tickets a few days apart from each other, and I sent an email to them today informing them to deposit the money back into my XXXX. The only reason I have't called is because I hear the wait time is hours long. I 'm in XXXX living on a military installation, and do n't want to pay exorbitant phone fees just to be disconnected after a 2 hour hold. 

The sender 's account is mine, and the Coinbase account is my wife 's. My wife is also linked to my account.
first let me say i need all copies of complaints i made about discover card. i dont even read their responses. since they have gotten away with behavior that SHOULD be regulated but is not which is how i know you will continue to do nothing about my complaints. they closed my accounts which i had not used and i will not make any payments as a result of not getting help to which i was duly entitled. I have never seen a bank get away with the bullying, the discrimination they did and how difficult they have been that it would escalate to where its headded.. court. In a world where a good customer who calls and has a good payment history should be valued it is not with discover card. they bully disciminate and then when i made a complaint and asked for things to be done anyone else would have done in good will they closed the accounts. but no bank i repeat as ever lied, discriminated like they do and they think they can report me to credit when i dont pay since i got no help, when requested, was discriminated against etc. we will see. i will take needed steps to protect myself.