WillisBack/dataset-financial-user-claim huggingface dataset:
I have  applied to Wells Fargo  numerous times for a loan modification over the years. I have never received any assistance each application for assistance is met with a new reason why I do n't qualify. However, in a letter dated  XXXX   XXXX , 2017, from  Wells Fargo  bank which I received on  XXXX   XXXX , 2017, they are notifying me that my payment will increase by {$1000.00} beginning  XXXX   XXXX , 2017. There is no way I am able to keep my home with this increase, furthermore, I have less than 30 days to make these changes.   The Califo rnia Civil Code  states that I have to have at least 60 days notice to accommodate such a increase. C CC 1916. 6 1916.5 1916.8 and 9.
I have reported this account with creditor and credit reporting agencies but this account is still showing " Late 30 Day '' XXXX 2014. I have contacted XXXX because I made large payment XXXX and XXXX payment in XXXX which were suppose to cover XXXX. I was even told by representative that they will not report negative information for that month because clearly she could see that I made XXXX payments on XXXX different dates and how I would have thought It was being applied for XXXX also. I have been promised by this company that they will investigate and pull recordings and no return calls. instead I had to call to find out they have record of me calling, but someone all these calls are not recorded. I was treated by most at XXXX XXXX Bank so horrible that I closed my secured credit card.
We have sent in a qualified written request to SPS on XX/XX/XXXX via certified mail in request for information regarding my loan and they have yet to answer, this company has refused to have any conversations with me or provide me with any information on my loan since they have had it, I have never received a payment book or a letter informing me that we had a change of banks. 
we have sent in a qualified written request to SPS on XX/XX/XXXX via certified mail in request for information regarding my loan and they have yet to answer, this company has refused to have any conversations with me or provide me with any information on my loan since they have had it, I have never received a payment book or a letter informing me that we had a change of banks. 

I have requested the assistance of an attorney office to help investigate some issues with my mortgage, I do not believe I have signed some of the documents they claim to have due to the dates they are claiming, since I have never received a copy of my closing documents at time of closing I had mad a formal request of all documents in order to make sure my loan is correct. 

since XX/XX/XXXX the original bank " XXXX XXXX '' refuse to give me my copies of my mortgage, my X husband has been in charge of making the payments and controlling the flow of information coming from the bank, since the change of lenders I had found out because people came to the house and told me the loan was behind, but no one has been able to help us at the bank. 

the attorney was the only person able to get the account number from the SPS but has still not sent in our proof of documents. 

I XXXX XXXX and my daughter are the only ones living the house for 12 years and the house was an inheritance from my father, I ave lived there for 41 years.
In accordance with the fair debt collection practices act I requested from Chase bank who is reporting on all 3 credit  reporting agencies that I owe {$4800.00} and has been charged off, on XX/XX/2018 and was received by them on XX/XX/2018 via certified mail tracking number XXXX with return receipt a validation. I requested competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. I asked that they respond in 30 days. I received a letter on XX/XX/2018 saying " as requested we'er enclosing a copy of your billing statements. Also, I received a letter from a company called XXXX XXXX a settlement offer to pay {$970.00}. I have no knowledge of this company or why they are sending me anything they are not reported anywhere on my credit reports. 

On XX/XX/2018 I sent a second letter to Chase bank that was received by them on XX/XX/2018 by certified mail tracking number XXXX with return receipt. I asked them to send me validation of competent evidence bearing my signature that I have a contractual obligation to pay them. I let them know this is a final goodwill attempt to clear up this matter. Yet again I did not receive any response from Chase bank concerning my request. I received a second letter from XXXX XXXX with a new offer to pay them {$480.00} to settle my debt with Chase Bank. Again I have no knowledge of this company ( XXXX XXXX ) they are not a creditor and I have not entered into an installment account or opened an agreement with this company. XXXX XXXX are not reporting on any of the three credit agencies. Also, Chase bank never marked that am disputing this account with any of the credit reporting agencies. Their willful non-compliance is a violation of the Fair Debt Collection Practices Act Sect 807-8 and the Fair Credit Reporting Act Sect 623-B and also the Nevada Revised Statutes 598C.160 Duties  of Reporting agency. Since Chase is in violation I would request that this account be deleted from the credit reporting agencies. I have done my due diligence to resolve this matter with no response from Chase.
I never received any type of debt notice. I only found out once the current tenants in my old residence saw me and gave me information from lawyers that said a lawsuit had been filed. I also made multiple attempts to contact them and have received nothing in return from them. 
I only found the website from receiving those correspondences, and per the legal documents they are trying to take triple the amount that is owed. They are stating I owe {$4100.00}.
I am filing a complaint today because I feel that they submitted a late payment on my credit report for something that was their fault and not mine. 
This started after I was XXXX XXXX XXXX XXXX and placed on XXXX XXXX  XXXX last winter. I had lost 2/3rds or my pay and I was struggling to make my payments. I had to take my Mr. Cooper Mortgage loan off of automatic payments because I was not getting my income regularly as before and not near as much. I was able to maintain my payments, but was late in both XXXX and XXXX with trying to recover from this incident. When I got back on my feet I decided to put my Mr. Cooper account back on automatic payments. I used their app to set this up in XXXX. I found it in XXXX that there was a late payment for XXXX on my account and got it caught up right away. I called Mr. Cooper about this and explained that I set this up on their app for auto pay and it didn't work and now it's on my credit report, and they said they would look into it, but nothing happened. I called and spoke with someone again and was told that the late payment was correct and there was nothing they can do because of the law and I explained that this was their fault. I understand that although I was injured and had issues outside of my control that both XXXX and XXXX are my fault, but the late payment in XXXX was an error on their part. I would like to purchase a house soon and this is a big deal concerning a VA home loan. I filled several complaints with the XXXX XXXX  XXXX but the only response I received was there records show no payment was submitted, which if it didnt work it probably wouldnt show it in the first place. They apparently sent me emails about the missed payment, but as I informed them I have been getting spam email from the at least every other day so I dont get relevant emails about my account because I am unaware of it..
I was sent a preapproved offer from XXXX. I applied the very day that I got the offer, and my application was denied for credit reasons. 

If I was preapproved, how can they deny me because of something in my credit report? Their approval was supposedly based on my credit report. 

Text from the denial below : Re : Your loan applicationThank you for checking your rate for a Best Egg ( R ) loan. We regret that we are unable to approve your application at this time, for the following reason ( s ) : Insufficient credit lines established on open revolving accountsLack of revolving account historyToo many inquiries in the last 12 monthsInsufficient available credit on all open revolving accounts
I took out a car loan with Toyota Financial Services in XX/XX/XXXX, the payments of XXXX were due on the XXXX of every month. After starting the contract with them I asked for a due date change, and we agreed on the XXXX of every month. TFS sent me paperwork to sign and I signed and sent it back. At this point the new due date is the XXXX of every month. The first payment according to the new contract with the new due date is XX/XX/XXXX. I began making my payments according to the the new agreed upon due date, however TFS has not been reporting the payment according to the due date of the XXXX, which has cause multiple additional fees and a negative credit reporting. They are being unreasonable with resolving the matter This is the second time I am trying to resolve this issue. The mere fact that Toyota updated 5 of the late payments that they were negatively reporting since XX/XX/XXXXis evidence that they make mistakes and obviously over look them for approximately 5years. Also It was mentioned by TFS rep that the statements that were mailed out had the due date of the XXXX on them, I never received the statements from Toyota because they failed to update my address as requested as well as my last name. I also would like to bring it to your attention that my XX/XX/XXXX payment is being reported as 30 days late and it is also not accurate. You guys received the payment to close the account and cash it well before the payment could be deemed 30days late. I need for the inaccuracy of late reporting to be removed and acknowledge that I had a due date of the XXXX and that TFS made a mistake Im not updating the information.
They erroneously reported two evictions and a judgment against us, resulting in us getting denied an urgently needed apartment.
For a long time I was pushed into applying for a forbearance by Navient. It was only a few years ago that I was told about an income driven repayment plan. I was told to make 3 payments and it would make me eligible for low monthly payments. I made those 3 payments and only then was I told about income based repayment. I've been on that program for a few years now and although my payments have been {$0.00} I've noticed recently on my credit report that my balance on these 3 federal student loans varies by thousands each month. My balance will go up from {$1000.00} to over {$5000.00} and then will go back down. I have only recently started monitoring my credit report so I'm not sure how long this has been going on. Its devastating my credit score and making me wonder what is really going on and am I being used for fraud or something else illegal. I took these loans out almost 10 years ago and have had no help until a few years ago with a payment plan to pay them off. I've accrued so much interest the loan amount has almost doubled and that's ridiculous for a diploma that I cant even use.
Experian have my wrong name on it report.. my name is XXXX XXXX.. 
on Experian report are XXXX XXXX that is wrong last name. need to be fix now
To whom i t may concern : The following informatio n is my contacts : Attorney at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Missouri  XXXX   XXXX  --  XXXX  or  XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   ,  MO  XXXX   XXXX  In   2016   I filed Bankruptcy with my Attorney. I did NOT include my mortgage in the bankruptcy. When the bank was informed of the bankruptcy their attorney charged me {$750.00} to investigate the bankruptcy. They attached this charge to my loan. The bank has now informed the credit bureaus that my mortgage loan with them was included in the bankruptcy and that I have not made any payments on the loan.  <P/> I tried to contact the bank attorney and was told it would cost me to speak to him and that he had to right to as he did on my account. I talked to my attorneys secretary who said the bank has every right to report as they see fit. I did sign a re-affirmation that said I would continue with my payments on the loan.  <P/> I know the bankruptcy will stay on my Credit Report. However should I decide to sell my house I will never be able to rent anywhere because of the false reporting on my mortgage payments.  <P/> How can I get this fixed? Can you help me? Please see what you can do to help with this situation.  <P/> Regards
The following is in response to Select Portfolio Servicings ( SPS ) letter dated XX/XX/XXXX, referencing CFPB complaint number XXXX. Please allow me to outline my continued unresolved issues/concerns. 1- SPS continues to claim XXXX XXXX XXXX XXXX , as indenture trustee for the holders of XXXX Trust XXXX ( note this has changed several times ), is the owner of the account. However, SPS has never provided any documentation substantiating this claim. A Notice of Servicing Transfer does not constitute XXXX XXXX   XXXX XXXX alleged legal ownership of the account. Please provide documentation legally substantiating this claim. 2- SPS has yet to provide me with copies of all property inspection reports charged to the alleged account and dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 3- SPS continues to claim, Our records show that the property address reflects the property address on the note. This statement is clearly a false misrepresentation of the facts. First, the alleged note states, YOU ARE GIVING US A SECURITY INTEREST IN  THE REAL PROPERTY AS DESCRIBED IN THE MORTGAGE AND LOCATED AT : XXXX XXXX, XXXX, NY XXXX. Again, an address is not and can not be used to legally describe a property secured by a mortgage. In addition, even if it could, as I have stated numerous times, the PROPERTY AS DESCRIBED IN THE MORTAGE, is not the property ( metes and bounds ) coinciding with the property address of XXXX XXXX, XXXX, NY XXXX. Additionally, the two previous notes and mortgages ( XX/XX/XXXX & XX/XX/XXXX ), allegedly consolidated with the alleged XX/XX/XXXX mortgage have two different addresses, which is XXXX XXXX, XXXX, NY XXXX. The zip code XXXX is not even the correct zip code for XXXX, NY. Secondly, SPS, as alleged servicer, has paid taxes on a property they are illegally associating with XXXX XXXX XXXX XXXX, NY XXXX, although current tax records indicate the property address as XXXX XXXX  XXXX. SPS has yet to sufficiently explain this discrepancy. Lastly, as the Fiduciary for the Estate of XXXX XXXX XXXX, I continue to dispute and refute any and all claims XXXX XXXX XXXX XXXX, as indenture trustee for the holders of XXXX Trust XXXX, or any affiliates have against the estate of XXXX XXXX XXXX. Based on the stated facts, SPSs response is both inaccurate and misleading. Im sick in tired of SPSs cut and past responses, which provides absolutely no resolution to my issues and/or concerns. I have previously provided documents to SPS, which fully substantiates my claims. A copy of this complaint will be provided to the New York State Attorney General.
I was diagnosed with XXXX XXXX XXXX that XXXX to my XXXX. I have been going through an extreme financial hardship as I was unable to work. The XXXX appeared, only months after I graduated from school, and I was treated immediately. My doctor kept me off work due to difficulty with the regulation of the medication and other various complications. The lender, offered very few options to forebear this loan, or to lower the payments. I have been struggling to afford my medication, or food for that matter. I have called the servicing company Aes on several occasions begging them to help me out and they refuse any help. This has created an even greater hardship, because if I default on this loan, it will cause me problems with my moral character background application to become a XXXX XXXX. I obtained this loan to go to school to become a XXXX, and if this loan defaults, it may be impossible for me to do so, which defeats the purpose of me obtaining this loan to begin with. I wrote a letter to the lender, because I can not afford this current payment. I have called and asked them to extend the payments out, or do something so that I can lower it or to give me more time until I can get on my feet. They have not even responded to my letter, nor will the servicing company do anything further to help me. I was even told by them, that even if I die from my XXXX, that they will go after any assets that I have to get their money. The stress of this is aggravating my illness, and the lender does not care. The original loan was for $ XXXX and I have a letter that says that payback after 15 years, will be at $ XXXX which is almost triple the amount of the original loan. A loan shark would n't even charge that much, how could this be legal? I requested my original promissory note, so that I can see exactly what they are limited me too, and the company refused to provide it. I do n't even think that they have the master promissory note and they are implementing rules that are not even on the promissory note.
Shortly after spouse recieved home owners escrow refund check for {$58.00} and deposited without my signature I reported the same to local bank branch and inquired being told it should have been flaged for return however was n't expecting much since previous XXXX insurance check when reported and being forged was n't of much concern. When XXXX handled my case and joint check dispersed as informed her and attorney I 'll hold expecting to appear in court as waited when motion was submitted to court. About : weeks later and contacting lender it was disclosed they sent a check to spouse payable to her only. Refinance hud states out of pocket, escrow deposit and states return of funds whenever loan pay off.currently XXXX XXXX has my case and both representatives so far seemed to do their jobs however previous after recieved refund XXXX was assigned my case and just felt she was n't listening to my arguments. Also no one told me of check payment stop and reins sue in single name. Her attorney sent copy of seperation or initial divorce judgement bed / bored and check was sent. Early in the seperation I had encountered ID theft but still a great credit score. Most recently 4 days ago again with attempted credit card charges and also recoevimg some odd calls. I feel possible my info had been disclosed as result of 3rd party involvement. Asking for documents from payoff but never recoevimg. Since the premature sale of my old home and closure of XXXX 's new home I believe may cause comprise and also asked for letter confirming no loans had been derived or foreclosure issues against me. As per agreement t and violation committed I wanted the protection as never recieved documents and also certainly being the primary borrower would expect require my signature. The biggest tip of fraud docs is scribbled signatures, incomplete information, no consideration paid for, and XXXX transactions the same day. As stated on Saturday XXXX I only arrived home from business and Sunday morning left for XXXX XXXX base having documents as well. Knowing knormally a deed carrying no wArranty and only pertains to the property period upon quote deed my only protection when they refused a trust was to convey upon dissolvement .i feel Wells Fargo wronged me pertaining to escrow refund and previous fraud checks allowed however this also resulted in lots attorneys fees, tax losses, and cuase to settle out of court requiring another $ XXXX to disperse to her. Had this all been done on all parties legally and correctly I would have spent about {$45.00} k less. I think Wells Fargo should obtain funds from fraud Spouse to repay victim or criminally prosecute and persue a tort claim against fraudster attorneys for coaching. Look on there website for articles unethical to post. One attorney tried to tell me it 's ok because it stated no attorney would advise clients to hide funds in preparation of divorce. My answer was that 's 3 words and does n't become ethical to continue 3 more pages along with numerous other article imposing deceitful acts. I would be appreciative as a 20 year customer for help in anyway. Thank you
On   XXXX   XXXX   XXXX    , Mortgage  XXXX  promised me by email a  XXXX  rate lock on a  XXXX  -year fixed refinance. The 45 days started on   XXXX   XXXX   so the rate lock period should expire on   XXXX   XXXX       On   XXXX   XXXX   I was asked by Mortgage  XXXX   XXXX  to sign " missing '' initial documentation. On this allegedly " missing '' documentation, the rate-lock period had been changed to expire on    XXXX   XXXX    which would amount to a rate lock period of 24 days instead of 45 days. This was a major red flag. I am in North Carolina and Mortgage  XXXX  is in  XXXX   XXXX . The distance made it especially important that I could wholeheartedly trust this company. They had no right to alter a guaranteed rate lock.
This letter is to inform you that XXXX has failed to respond to my inquiry dispute letter that i sent via certified mail on XXXX/XXXX/XXXX. As a consumer, I have rights under the FRCA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, XXXX received my dispute letter on XXXX XXXX. Please remove the following inquiry from my report as pursuant to 15 U.S.C 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Sallie MaeXXXX.
Before XX/XX/2018, I have paid additional {$200.00} payment to my account. The way they handled the over payment was applying the money toward the fee and interest first, whatever leftover applied principle of the loan, instead of apply whole {$200.00} toward principle. It is not like other loans that allow us to pay additional amount toward principle, which make me uncomfortable about it and feel unfair. It does not help me to pay off the loan faster. Also, they already charge us interest and fee, why the over payment still goes toward fee and interest first? And they don't the option that we could direct the over payment directly to principle without applying to fee and interest.
I held/have a Dillards American express credit card that was originally manage through XXXX and was recently switch over to Wells Fargo bank. My account was recently closed due to non-payment, which the last payment I personally made on this account was in XXXX and was informed that the credit protection that I had taken out on this card from its original management XXXX would be making the payments because I was approved for benefits from a claim that I had been filed that was never honored. I spoken to XXXX executives over a wells fargo bank ; XXXX XXXX, and XXXX XXXX who have yet to get back to me and also I have left numerous messages. At this point I 'm ready to take legal action on both companies ... .. 
This is my new credit card number XXXX and this here is my old credit card number in which the credit protection has on file XXXX and this is the card number the new claim is approved on
Creditors Collections recently report 3 medical bills on my credit report. Prior to the appearance of these debt on my credit file, I did not receive a notice of my right to dispute. This is a violation of federal collection law. Furthermore, these bills have already been paid by my health insurance.