WillisBack/dataset-financial-user-claim huggingface dataset:
I am consumer who may have been victimized by collusion among XXXX industry regulated professionals from Wells Fargo Bank, XXXX and their chosen real estate appraiser. Please refer to the participants listed below that are subject to this CPFB complaint. 

Buyer/Realtor/Borrower ( same person ) made an offer to complainant to purchase a property. Complainant in this matter is also the Seller and a licensed Realtor selling his own property. 

Buyer and loan officer have a close and personal relationship. The same loan officer has represented to Seller that he has performed prior mortgage transactions for this same Buyer/Borrower in the recent past. 

Lender ordered an appraisal which was conducted on XXXX XXXX, XX/XX/2015. Indicated value was $ 60K below contractual purchase price in an otherwise very vibrant and thriving market where the subject property is located. Abundant supporting comparable sales data exists. 

The appraiser seemed to go out of his way to select very old and outdated and inappropriate comparable sales data in what appears to be in an intentional effort to drive the property value down. The appraisal report is attached to this complaint. 

Seller requested, in writing, that Wells Fargo Bank issue a challenge to the appraisal report. Complaintant also requested that Wells Fargo Bank arrange a customary supervisory field review. Wells Fargo did not act upon the Seller request. Instead, the Buyer/Realtor/Borrower insisted upon renegotiating the purchase price relying upon an obviously flawed and frivolous appraisal report. Seller/Realtor did not acquiesce. 

An egregious attempt was made to bring about intentional economic disadvantage to the Seller. 

There outward appearance of intentional collusion exists between the parties. 


Buyer ( also acting as her own Realtor ) XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Agent - XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX # XXXXWells Fargo Bank Loan Officer ( and personal friend of Buyer/Realtor ) XXXX XXXX Mortgage Consultant, XXXX ID XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX | Cell XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXXXXXX ( XXXX ) XXXX Appraiser Certification : XXXXComplainant : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXXXXXX
I paid my account listed with XXXX XXXX in full in XX/XX/2018. I submitted proof of payment and filed a dispute with Equifax, XXXX  and XXXX  In XXXX notifying them that my account had been paid in full and that XXXX XXXX stated that the account would be removed from my credit report. 

As of todays date, Equifax and XXXX is still incorrectly reporting the above listed account as an unpaid collection. 

Attached is a letted from XXXX XXXX stating that my account is paid in full and that they have requested for the account to be removed from my credit report.
Experian is still ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Im trying to pay off my mortgage in full by means of a check issued to myself & Nationstar from my insurance company XXXX XXXX. Im having problems getting them to resolve how to get the {$25000.00} that was over the mortgage payoff ammount. First they claimed to have recieved the check but lost the notorized paperwork that was sent with the insurance check. After I faxed the paperwork they lost when I called back Customer Service said the Loss Department was the next step & transfered me to the Loss Department. The Loss department said that this had to be handled by Customer Service & transferred me back to Customer Service. When Customer Service answered again they tried to send me back to the Loss Dept. I requested to speak with a manager several times but was put on hold for up to 20 minutes & never got to speak with a manager. This has been going on for 3 days now & Nationstar will not resolve or even acknowledge this issue.
Borrower : my ex husband Full Power of Attorney : me. 

Court order granting FULL Power Of attorney to me, was transmitted to SPS by Previous Lender with Loan Transfer on XX/XX/2018. ) - as confirmed by previous lender on XX/XX/18 ) SPS CLAIMED DURING MULTIPLE PHONE CALLS, including today, XX/XX/18, that they did not have the Power Of Attorney on File. 
( Per statement of SPS Rep & Supervisor, of the XXXX FL location ) The Attachments evidence that SPS is : - 1. Blocking me from the account - Violating a Court Order by SPS 2. Denying the POA being in the file - False Claim by SPS 3. Failed to pay Town Taxes - Violation of Loan Terms by SPS 4. Caused Delinquency Interest to Accrue - Violation of Loan Terms by SPS 5. Added the Town Property tax to the account - Violation of Loan Terms by SPS AND Fraudulent action intentional to increasing monthly payment. 
Property Taxes have been escrowed since XX/XX/2018 with XXXX XXXX & the loan amount AND loan terms remained unchanged, under the terms of the transfer - Violation of Loan Terms by SPS 6. The SPS Mortgage monthly statement clearly shows that the monthly amount includes an Escrow for Town Taxes & Home Insurance.

Therefore the actions of SPS are ***intentional to fraudulently increasing the payor 's monthly amount in order to render the payment unaffordable and thereby fraudulently foreclose on this High Value Property *** - FRAUD BY SPS 7. I have been making regular & on time monthly payments on this loan.

The loan amount includes the escrowed Town Taxes that SPS did not pay & caused a delinquency - Violation of Loan Terms by SPS SPS bought this loan from Previous Lender, due to the high equity in the subject property & the Delinquent Tax Notification is intentional to SPS fraudulently foreclosing on the property and intentionally making the payor homeless, as SPS is aware from the Court Order that the Court granted the Payor FULL authorization on this account.

FRAUD + VIOLATION OF COURT ORDER +VIOLATION OF CO-OWNER CIVIL RIGHTS+ VIOLATION OF LOAN TERMS 8. The attachments & the OVER 241 XXXX Complaints against SPS, support my allegation that SPS is a SCAM company, their actions constitute Harassment and Intent to foreclose on my home.
I have a collection on my Credit Bureau showing that I owe {$650.00} Dollars that is the result of Identity Theft. I have been disputing these false charges on me for over 2 years. This loan was taken from an individual in another state also an out of state Bank and deposited to an out of state bank at which I have never gone to. I feel nobody has investigated this issue THOROUGHLY or you would see this is not me. I reported this issue as soon as I found out about it. Now it is showing a collection on all XXXX Bureau 's this is not me I do not know how else or what else to say. Please help me with this issue it is XXXX I do have enough money to pay this amount but I refuse to, due to the FACT THIS IS NOT ME that took out this loan. Thank you for your help and your time I hope to hear back from you soon.
Nationstar Mortgage Trustee File Number XXXX Loan No. XXXX Currently in litigation with Nationstar over the wrongdoing on my mortgage. Was told this sale would be stopped yet its still showing as active and now they state it will not be moved. 

This property is listed incorrectly on the Notice of Sale. Nationstar is attempting to sell my two unincumbered parcels with the incumbered parcel with no legal standing to do so.
This is a follow up on my previous complaint XXXX, regarding actions that have been taken while the complaint is still pending/unresolved. As of 1XX/XX/XXXX I will no longer communicate directly with them because they have fouled up every request without fail. 

XX/XX/XXXX : I received an email response ( sent from them on the XXXX but stuck on their mail server and not delivered until the XXXX, putting this response just before I lodged my initial complaint ) saying I had to submit a new IDR request to be put on the IBR plan. 

XX/XX/XXXX: I went ahead and submitted a new request, this time only submitting it a 'recertification ', giving them the chance to effectively keep me on the original IBR plan I should never have been removed from. I also responded vie the XXXX portal with a message saying as much. 

XX/XX/XXXX : I received approval for the REPAYE plan. There was no indication of what this was in response to. My new IDR request was clearly not for REPAYE, so I have to assume that after some mucking around they decided to take me off the standard plan they erroneously put me on and switch me to REPAYE.XX/XX/XXXX : I received and interest notice. It would appear that as a result of them switching my plan, they triggered some kind of interest payment that will be capitalized if I do not pay. Of course I did not want to switch plan from my original IBR to standard or REPAYE and should not have an interest payment due.

XX/XX/XXXX : I received notice that, " ... you requested to pay the accruing interest ... ''. I never made such a request, I can only assume this is related to them shuffling my plan around erroneously. It indicates that by not paying, I am consenting for them to capitalize this interest. I am not paying this interest because it is due to their errors in processing, and I do not consent to them capitalizing this interest.
XXXX NJ XXXX XXXX Corporate Office : To whom it may concern, Grievance : Home depot customer service representatives failed to provide information for the hardship program when I was unable to make payments. 

I was unemployment, divorced and subsequently developed a XXXX. During this time I responded to several phone calls from customer service representatives when payments were late or no payment was able to be made. I provided the representative with the reason for the inability to may monthly payments. No discussion other than when can you make a payment was the prevailing factor and concern. No incite or offer to apply for hardship was suggested, As a result my account accrued have many late charges and an extreme increase in interest rates, subsequently the balance is still close to the starting amount of {$7000.00} from this cards inception. 

I called customer service on XX/XX/2016 to obtain more detailed explanation for the unchanged balance. I explained that I could not see history outside of a few months on the website and I asked for the history of payment and interest charges increase dates and amounts. The associates XXXX stated that she could not provide that information and that she could send me old statements from 2 years back. When I asked to speak with a manager who could assist me I was transferred to representative XXXX who rebuttable and told me that he would transfer me to counseling and he abruptly hung up on. I called back again and got corporate on the phone and was finally provided with an address to submit this grievance. 

As I queried for resolution of this problem, I was transferred to the associate XXXX who told me that high balance is interest charges stemming from unpaid Timely promotional balances. In addition Home Depot has increased monthly payments roughly to about {$420.00} a month this payment is only applied to these interest charges. Interest is roughly about $ XXXX monthly with an interest rate increased to over 25 %. The interest rate is not on my statement I had to ask what the interest rate has increased to. This card has been frequently accruing late charges because of remaining inability to pay the high payment. 

I am requesting that Home Depot apply all interest payments made on this account to the principal amount left on the Credit card. Then return the interest rate to the original rate in addition, I am request that all the late charges be returned and applied to the principal balance amount. 

Sincerely XXXX Account # XXXX
On today XX/XX/2018 approx XXXX central standard time I received a call from a debt collector. I explained driving filing bankruptcy. I attempted to explain can't get attorneys information driving I was unable to pull over he gets angry and hangs up. The call didn't drop he was angry and badgering me for the information. I was trying to advise to call me bk on tomorrow would be happy to get the information. This debt collectors name is XXXX XXXX that called me. So after he hung up I called the Company back and spoke to XXXX XXXX with American Collections he said he was a supervisor I explained to him what had just happened and he said to me we just need your attorneys information?? I said sir you need more than that I was mistreated and you don't have a right to mistreat people. I asked for his senior manager he refused and said this is as far as this is going to? He was bullying me to as if I don't have a right to voice my concerns over this gross misrepresentation!! I advised him of filing a complaint against the company and both of them!!!
On about XX/XX/2018,XX/XX/2018 and XX/XX/2018 I send the " Letter of Demand '' to 3 Major credit Bureau companies : XXXX, XXXX and TransUnion .

Only XXXX excepted my dispute and Completely deleted and removed some collections, unknown bank charges form their credit file.

The other 2 credit companies : XXXX and Transunion had fail to notify me the unauthorized charges from those Banks report to their credit file.

They only mail me the letter informed those charges were accurate. But did not provide me any prove evidence or document like Statements, invoice, balance due ... from their Banks show I own them.

Please help me to investigate and send a complain to XXXX and TransUnion again. Thank you
I received a letter from XXXX claiming that I owed a large debt to them and they obtained a court levy to garnish my wages. I sent a request to them asking for proof of the debt and all I received were court papers and a listing with my name and a judgement dated back almost 20 years. They did reply with the original creditor name but no proof as to what the debt pertained to or was for no details for me to verify. And the paperwork from the court said there was a court date that I did not show up to but I never received any notice of a hearing.
On XX/XX/2018 XXXX XXXX XXXX started calling me and my family members. I answered his call today and they informed me my navient loans had gone to a collection agency. Apparently navient sold my loans to a company named XXXX and did not tell me nor did the company XXXX. So without any notice we did not know we had payments to XXXX because the navient website says XXXX balance. We received nothing in the mail or email and the harassment from the XXXX XXXX XXXX began. We would like to join the class action lawsuit against navient for illegal practices and damage to our credit, or they face consequences for their actions. The total of the loans are approximately {$400000.00}. We finally have setup a payment plan with XXXX XXXX XXXX.
I was looking at my credit report as i am looking to purchasing a home, and there is a charged off account from  Cap One in th e amount of {$2200.00} that was opened in my name  XXXX / XXXX / XXXX  via phone/internet. It had a bill that was last charged  XXXX / XXXX / XXXX  and a last payment received on  XXXX / XXXX / XXXX . I am aware of none of this. I have tried repeated through mail and phone to correct this. I have asked for any verifiable proof bearing my signature. I keep getting a copy of a bill with purchases i never made and payments i never sent, but nothing containing a signature that can help me find out who opened the account and nothing that proves the account is mine. Meanwhile, the account is sitting on my credit report, inaccurately, ruining my credit and preventing me from purchasing the house i want. All i have asked is that it be removed from my credit report until there is some proof bearing my signature that I ever applied for or used this card. I am being unjustly accused of defaulting on a loan i never even applied for. This is defamation of character, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio n 807-8 ), Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
I had two accounts with Barclay US, a Barclays Choice card. Over several years, they raised my limit until the Barclay card had a {$10000.00} limit. Several months ago, my total owed was about {$4500.00} and they suddenly lowered the limit to {$500.00} above the current limit. I then refinanced my home and consolidated bills and the first one I paid was Barclay, at {$4300.00}. That was the total balance listed. When I checked the website today, to my shock i saw a balance of {$84.00}! They charged me that amount in interest AFTER I paid the total amount owed! Is this legal? I know it isn't moral. 

In addition they gave me a new limit ... ..of {$500.00}. I never had a late payment on this or any other card in almost ten years. Instead of thanking me for not being a person who does not pay bills but instead insults me and charges interest on a ghost balance.
XX/XX/XXXX Convergent sent letter stating a debt was owed to XXXX XXXX XXXX   for XXXX.

XXXX XXXX XXXX was bought out by XXXX XXXX. I contacted XXXX XXXX to verify debt. XXXX XXXX verified old debt was valid. Confirmed the amount owned of XXXX They advised I should come in and paid it directly.

XX/XX/18 Paid XXXX XXXX the amount of XXXX ( advised by teller ) Transaction number XXXXXX/XX/2018 XXXX  # XXXX  Called Convergent to inform them of payment and asked what the additional charges were for. They advised interest rates. I requested a break down to confirm and they agreed to email the breakdown.

XX/XX/18 Called Convergent to follow up on the status of email break down. They advised me they had not sent it, and transferred me to have it sent out " XXXX XXXX '' ( refused to provide ID number or reference ) XXXX XXXX advised that is was interest and fee they charged on top of the original debt. He offered to remove the additional charges and not report it to collections if I was able to make the original payment. I agreed that the Orginal payment could, in fact, be taken care of. I provided him with the payment date to XXXX XXXX  and offered to provide transaction number.

He then refused to hold his offer and said that was not proof. I advised him to contact the bank, ( for which he collects for ) he refused. I offered to provide a three-way call, which he refused to.

Debt has been paid, " XXXX XXXX '' is attempting to extort additional fees.
My problem involves affecting home repairs from storm damage at my home. I am behind on my mortgage but am actively working with the bank to find a solution to keep my home. I have a claim check for {$8000.00} to make repairs with another {$1500.00} available when repairs are completed ( through my insurance company ). My insurance check is made payable to myself and Wells Fargo. My lender is insisting on using a managed claim process normally reserved for large claims and major repairs. Neither applies in my case. In addition, there is a myriad of paperwork that must be submitted before payment can be made. Because of this process, contractors will not perform the work. It is not reasonable to expect a oontractor to receive payment in thirds for one day of work and the paperwork requirements make it not worth their trouble. I have told the bank that I would welcome an inspection once repairs are completed as I need to do that for the insurance company anyway. Wells Fargo still insists that they manage the claim. I have applied again for an exception and am waiting to hear. Wells Fargo has a terrible reputation in our area and is known for holding insurance money unreasonably and not paying contractors on a timely basis. I have no confidence that Wells Fargo will actually pay the contractor if I commence work. In the end, I just want my roof repaired and my ceiling fixed. We have been getting the run around for over a month just to get to a " no ''. I feel that the bank is being completely unreasonable given the dollars and scope of work to be performed
Commonwealth Financial of XXXX Georgia purchased this debt from the original creditor, XXXX, and entered duplicate information on my credit report for a debt that already existed on my credit report as a mark against me as though it is a new report on my existing account. The original debt Is 4 years old! Not to mention the emergency room XXXX ordered a XXXX exam when I entered the ER for XXXX! I told the ER XXXX there was nothing wrong with my XXXX and he ordered it any way! They keep renewing the information as if it is brand new thrwarting any opportunity for the debt to fall off after the amount of years of liability expires. This is unfair credit reporting!
Since XXXX, 2013 I have been disputing the removal of US Bank 's credit card account that 's displaying on all XXXX of my credit bureau reports-XXXX, and XXXX. I first disputed this issue with US Bank directly before submitting my online disputes with the XXXX, and XXXX 

I spent approximately {$40.00} in USPS Flat Rate Mailing Envelopes that I personally paid for which included documentation that the credit card account reflecting on my reports does not belong to me. I am showing up as a joint account holder, while at the same time I do not recall have any affiliation with US Bank except for owning a checking, and savings account with them. I no longer have those accounts, but nevertheless I never had a credit limit of {$2000.00} with US Bank, or any financial institution for that matter. If I did, I would certainly not have allowed it to get charged off, and I would have found some way of negotiating payment arrangements with them to settle an account with the status it 's reflecting on my credit reports. 

I have exhausted my efforts with disputing this directly with the creditor, and the credit reporting agencies. It keeps coming back as verified. This is unacceptable and I would highly appreciate it, if US Bank would remove their credit card account off of my reports immediately. 

This has caused significant damage to my credit applications submitted since the time period that I noticed it started becoming negative. I only noticed it on my credit reports once I received a mailing notice from them. Had it not been for their mailing notice they sent me prior to my initiation of the disputes I probably would not have noticed it. 

I also find their correspondence department to be a primary cause of the delayed issue resolvement on removing this charged off credit card account from my records. 

If it was mine, I would surely claim it, as I would anything else that may, or may not be negative on my credit reports. 

I am individual who will pay dues that are owed by me, but I will not pay dues that are owed on behalf of someone else, especially with a charge off of {$2400.00}. That is not going to be tolerated any longer. I am trying to obtain an auto loan, and this account is what is keeping me from receiving one at an affordable APR, and monthly payment. 

Therefore, as my last complaint description part of this, I would like to inform US Bank that if this matter is not resolved within 30 days from the receipt of this complaint, I will be going a step further in escalating this to a higher authority.
This collection agency is reporting an alleged debt to XXXX XXXX XXXX to the credit bureaus, however the collection agency is not licensed to collect debts in NC. They are illegally attempting to collect a debt and I dont owe the balance they are reporting.