WillisBack/dataset-financial-user-claim huggingface dataset:
I, XXXX XXXX, took out a Home Equity Loan with XXXX XXXX who sold it to Wells Fargo in XX/XX/XXXX, in XX/XX/XXXX, Wells Fargo started to make it very difficult to make a payment of {$580.00}. and would take 2 weeks to post, I contacted Wells Fargo XX/XX/XXXX and XX/XX/XXXX for a copy of the loan documents which I was told in the mail yet never received. I began to notice that my payment was being applied towards unapplied or other charges and inspection fees, I sent in multiple payments in excess of {$1000.00}. and still were not applied. Our divorce Judge XXXX and 2 Attorneys stated loan was toxic as it was our largest asset. I retained an attorney when my ex wife XXXX XXXX XXXX and I were served foreclosure papers. The documents attached were not the documents I signed at the dining room table with only a notary present, in XX/XX/XXXX our attorney was suspended and Wells Fargo swooped in and while Wells Fargo was in contempt and a substitute Judge XXXX did not honor the motion for a 1 hour trial, denied continuance due to tired of attorney suspended excuse ( 3 attorneys were suspended ) and I could not retrieve file box until 3 days prior to hearing and ruled in favor of Wells Fargo who added an erroneous escrow account in the amount of {$67000.00}. I paid cash for the property in XX/XX/XXXX and the loan to value was so low I had an escrow waiver. XXXX XXXX, XXXX did not file an appeal or provide court reporter I requested and paid for. I overpaid Wells Fargo {$15000.00}. the year they foreclosed and provided proof all escrowed items were paid and filed all proof of payments and statements at XXXX   case # XXXX XXXX XXXX, the statements showed a {$42000.00}. escrow overage however after filing for bankruptcy in order to buy time and paying {$27000.00}. In monthly payments, a hearing was held due to Trustee not posting a payment and XXXX XXXX XXXX, XXXX XXXX, XXXX did not show up and were later told he no longer worked there and the Judge XXXX XXXX said to just re file form after I showed proof of payment. I inadvertently filed the wrong form and Wells Fargo is now AUCTIONING my property of 21 years on XX/XX/XXXX with starting bid of {$330000.00}. and changed loan servicer plus added more fees, I am a XXXX year old veteran who will be out on the street when I paid for everything and proved it plus my XXXX daughter and XXXX adults have no where to go after ex wife and I spent everything {$120000.00}. In legal fees knowing we did all the right things, never had a problem before and We paid Wells Fargo, they refused to acknowledge this, never tried modifications as stated, changed court documents after judge signed and are stealing our home.
Trans union made a giant error and wiped away inquires on thousands of peoples credit file, but to make things worse they went back and tried to remember which files had been affected and which ones were not affected. By law, and pursuant to the debt and fair credit act, customer should have been notified, before trying to place these erroneous inquires back on customers credit file, but we were never contacted. So once I found out that I was indeed a victim I contacted Trans union and notified them that I was one of the victims of their inquiry mishap and that I wanted those inquiries that had been wrongly placed * back* on my credit file removed, I was told that I was not one of the victims and that they could not remove them. This is very wrong in every since of the word. I was indeed a victim, and I want these inquiries permanently removed from my credit file..
They are reporting collections on my  XXXX  that are not mine. They were previously on my   XXXX   and  XXXX  credit reports they were removed from there because they were not able to be validated, after deletion of those bureaus they placed them on my  XXXX  with out notifying me of that. These collections are not mine.
XXXX XXXX XXXX increased our mortgage payment in XX/XX/2016 because they said our taxes had increased. We learned our property taxes and escrow were increased in error because someone and somehow our square feet of our house was illegally, unlawfully and wrongfully increased to nearly 5000sq. Ft. After we notified XXXX XXXX XXXX and advised them we needed our old mortgage payment reinstated and any overages refunded to us, they transferred our loan to sls, llc. They too acknowledged the problem but refused to fix ANYTHING. We since stopped all payments. Our local tax assessers office has fixed and properly lowered our taxes again because of the error. But no1 wants to change the higher monthly payment or refund our money.
My mortgage company issued 2 checks to my insurance company in XX/XX/XXXX. They were sent to me and I was advised not to cash them. My agent contacted the mortgage Co and was told they stopped payment on both. In XX/XX/XXXXI rcvd an escrow notice of shortage {$5500.00}. I contacted the mortgage Co and they brought up the two checks. Neither were cashed so why am I responsible? FF to XX/XX/XXXX. Another check was issued and I was advised to cash it and send it back to the mortgage Co. I was also told upon receipt my mortgage would adjust back to my mortgage payment. I mailed the escrow check refund and my current mortgage payment {$1200.00} ( {$1300.00} ). Now I am fighting with them because the escrow payment did not reset my payment and they have been holding my {$1300.00} in suspense. They also charged me a {$60.00} late fee. They have refused to adjust. They have refused to apply the {$1300.00}. I would not have sent in the refund check! I would have kept it and applied the difference monthly to make up for the payments all year. I call once a week and get a different explanation each time. Escrow Payment wasnt enough ( both checks were stop pay ). Mortgage payment not new amount ( shouldnt have gone up ) I was told the insurance co raised annual amount ( my agent disputes that ). I need a very clear letter with the CORRECT amount listed. Why there is a shortage. Why my escrow payment was not applied to adjust my mortgage and late fees and credit bureau negativity removed. My agent and I followed the instructions yet nothing has been fixed in my favor.
On XX/XX/2018, I attempted to call XXXX XXXX Mississippi  who handles child support payments for Mississippi. I called because of an unauthorized transaction on my account. After trying to get a representative on the phone, I finally figured out the prompts to get a human. Once I finally got to my turn, the person picked up and hung up. Its mandatory to hear your balance as soon as you input your information. I was then charged a XXXX cent fee. this is the 4th or 5th time I have had to fight for these fees to be removed while trying to reach customer service.
I am upset and disappointed at how Guild mortgage has handled my loan, and my request for payment assistance. I have a foreclosure sale date for  XXXX   XXXX ,  2017, I  fell behind due to unseen circumstances, and I could not pay my mortgage payment. I told a representative from Guild mortgage that due to loss of income, I needed a more affordable mortgage payment. After fighting for my rights as a homeowner with Guild representatives, I was finally offered a modification. The modification offered to me brought my mortgage payment higher and I was informed it was an FHA or HUD disaster relief modification program. My home has not suffered any damages, and there has not been any disasters around my area why was I approved for this modification? I have read the guidelines for this program, and due to a disaster they bring the mortgage payments down. It does not make sense to bring my payment higher and make this offer. My home needs repairs but there is no serious damage due to a disaster. I can send proof that my home has not suffered any damages. I made no payments on this offer due to the higher payment. I called last week on  XXXX   XXXX  asking how much time they needed in order for me to submit a complete modification packet before an auction sale date. I was told that they would not review any packets due to FHA offering me a modificattion already. That I had to w ait two years  in order for me to reapply. This is absurd!! I have never been through so much stress with a company. All of this has made me thing that Guild mortgage engaged in fraudulent and deceptive practices. I dont want to lose my home, Guild made an offer without reviewing my income and expenses, they just made the offer with a higher payment. I keep falling further behind, and all I am asking is for a fair review of my financials and for Guild to postpone my sale date while I submit documents. I am asking  for FHA/ HUD to give m e an opportunity to submit a complete packet. Its impossible for me to wait two years, my home is about to sell.
I have repeated asked Central Financial since XXXX of XXXX to provide verification of debt for {$100.00} that they are continuing to renew on my credit. Every 6 months, they are repeated renewing the collections of {$100.00} as if it is a brand new debt. According to their records and all the information they can provide me is that they acquired the debt from XXXX XXXX in XXXX. In fact, this should have NEVER been on my credit since I have insurance and have double coverage. My normal out of pocket is always {$0.00}. Why is it showing on my credit as if it was filed in XXXX of XXXX?????
I never received my monthly statement for the billing cycle, and I missed my payment. My credit dropped by XXXX points for this one time missed payment.
We sold our home mortgaged through XXXX in XX/XX/2016. On XX/XX/2016 a refund of our escrow account was mailed to our old address. Apparently the refund check was deposited by unknown person on XX/XX/XXXX. We have been trying for several months to obtain a copy of this check in order to file a police report and start the process of actually receiving a refund. The mortgage company customer service department has given us excuse after excuse or flat out not told us the truth about the missing check or where the copy of said check is. We were last told it was mailed certified to our new address on XX/XX/XXXX. It is now XX/XX/XXXX and we still have not received this. We are respectfully requesting assistance to find out what happened to this refund and to obtain the refund due us.
XXXX XXXX XXXX XXXX ( write-off, XXXX  XXXX XXXX XXXXXXXX ( XXXX ) These accounts are inaccurate and false ... I reviewed my reports and was appalled ... this is in violation of F.C.R.A. law ... I settled the XXXX account ; therefore XXXX has no right to attempt to collect payment again ... this is unlawful, and I have contacted them and was informed that they did not verify this false debt, and that e-oscar verification is often not accurate or updated, and that this is what yall use. Also, XXXX XXXX was paid in full ... I contacted them also and was told that they did not report this as a write-off, but reported it as positive ... there is a grave mistake on behalf of bureaus and I was told this occurs quite often, no contracts exist for accounts, please remove or litigation will surely follow ...
This is a follow-up to a previous CFPB complaint. I had applied for an XXXX XXXX credit card but ended up getting a XXXX card instead. In response to my previous complaint, Bank of America responded that I only need call customer service to request a product change to the correct card. I have attempted to do this multiple times now and keep getting told that this is not possible. I do not want to apply for a new card - I want my card converted into the type of card I originally applied for.
The following accounts are inaccurate. I have filed a dispute on these accounts and your findings came back that these accounts were verified. Please provide me your method of verification for each of these accounts. 

1. XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX 6. XXXX XXXX 7. XXXX / XXXX 8.  XXXX  XXXX XXXX 9. XXXX XXXX.
XXXX XXXX XXXX XXXX submitted my information to XXXX XXXX XXXX for not paying for homeowners insurance coverage. XXXX never insured my home for the duration that I have owned it. XXXX  alleged they covered the home from XX/XX/XXXX to XX/XX/XXXX. I was not the homeowner. I purchased the home onXX/XX/XXXX I provided XXXX XXXX XXXX with documents showing I closed on my home XX/XX/XXXX. XXXX XXXX  is committing fraud. I can not legally insure a home that is owned by someone else. XXXX is requesting that I prove I did not live there during the month they are claiming they insured it. Home owner 's insurance can only be secured by the owner. My credit score has dropped because they falsely reported me to the credit bureau. I contacted XXXX for a quote with the anticipation of closing on XX/XX/XXXX. We did not close until XX/XX/XXXX, at which I went with another insurance company. I could not file a claim with XXXX XXXX on a house owned by someone else. If the house would have burned down, I would not have been able to file a claim.
I noticed an 'alert ' that there was a NEW credit INQURY placed on my credit reports on XX/XX/2018. This information was reported by a Company called XXXX. 
I contacted XXXX on XX/XX/2018 at XXXX. I spoke to XXXX at XXXX to let her know that I DID NOT authorize any credit check on my account. I was told by XXXX that the request was made by Wells Fargo Bank. I explained that I had NO Business with Wells Fargo Bank, I did NOT AUTHORIZE any transaction of credit from Wells Fargo Bank. XXXX told me she would issue a dispute. I NOW receive a letter dated XX/XX/2018 from XXXX on XX/XX/18 indicating " our client Wells Fargo '' ordered your credit report through XXXX that contained credit info based on each of the NCRA 's. We contacted Wells Fargo BANK NA and informed us that it accessed your credit report pursuant to your verbal authorization connection with a mortgage transaction '' I NEVER authorized Wells Fargo to run a credit report, I HAD NO MORTGAGE transaction current with Wells Fargo, the last MORTGAGE I had was over 10 years ago in the year of XXXX This is preposterous VIOLATION of the FCRA , and I also called Wells Fargo at XXXX, who gave me the run around. PLEASE look into this wrong full credit run from XXXX.
We have an auto loan with Ally Financial. We called them at XXXX, on XXXX XXXX to request a 2 month extension. The representative on the phone gathered information and processed the request, letting is know we had a small payment of XXXX due on XXXX XXXX and no payment due on XXXX XXXX and a final small payment due on XXXX XXXX if XXXX. After that our payments would return back to normal for XXXX XXXX. They advised us we would receive paperwork in the mail. On XXXX XXXX I called them back because we have n't received paperwork yet and they also had on their website a payment still due even though we made a payment based on information above from our call on XXXX XXXX. The representative advised that the original request was not completed on XXXX XXXX and apologized and advised they will complete it again and since we already made our payment for XXXX XXXX out next payment was n't due until XXXX XXXX of XXXX. We said ok and awaited paperwork again. We did not receive any paperwork againI received a number of calls from a collection agency and I returned their call on XXXX XXXX at XXXX and requested a supervisor and was transferred to XXXX XXXX at ext XXXX, to find out that neither of these above extension requests were ever processed. I was advised AGAIN that they would complete the extension and apologized for the mistake. I was told on XXXX XXXX by XXXX that the customer service department did have noted on the account where they were supposed to complete the extension but never did. She apologized again and handled the extension. 

At this point we have 2 months being reported as delinquent on my and my wife 's credit for XXXX different credit agencies. XXXX apologized but said there was nothing she can do to rectify that and I would have to do this on my own. 

I called back today XXXX XXXX to find out what Ally would do to rectify them reporting in accurate information on my credit and was advised that I need to take it up with the agencies again. I advised them, this was not my fault why should I have to do the leg work. I asked the representative today about the notes in their system snd she was able to read each note that was written by XXXX ally financial reps during above dates and I requested copies of these notes and was told I need a subpeana to get them. She Advised it was in their system but they could not provide it to me. 

I 'm being penalized on my credit by ALLY FINANCIALS NEGLAGENCE! Please help me get this resolved. I do n't have any documentation since they will not provide it to me but they have advised their notes are in their system for internal use and will still be there for others to pull up. 

My credit took a huge drop because of the delinquency being reported and I would like the delinquencies removed off ASAP. 

If you need any other information I am available to speakThis was no way in any shape or form our mistake.
On XX/XX/2017 i purchased a queen size mattress from XXXX XXXX located at XXXX XXXX XXXX in XXXX NC. At that time i was sold the mattress on a XXXX XXXX credit card by a representative named XXXX. We were told therd was no interest for 6 years as long as payments were made each month. No minimum due and we werd never given any form of terms of agreement for the credit issued by XXXX XXXX. All payments were made on time as we waited to receive our bill each month to schedule payment. Conveniently enough for XXXX XXXX one month our statement never arrived and we began being penalized with late fees and were informed that that we were gking to be charged 30 % interest which would also be retroactivated. Instead of risking damaging my credit and paying 30 % interest on a purchase we were told would be interest free for 6 years we paid off the entire amount at a financial hardship to us so we wouldn't have to deal with these con artist crooks anymore. They also sent us threatening letterd AFTER we had paid the entire balance of the mattress. Disgusting.
I was trying to activate my US Bank Visa Card ( Debt ) though XXXX XXXX   without singing in to my online banking. The problem I am having with problem with visa about their products and services I been scammed by their rules about activating my card though email and without using SMS and they advertise " SELF-SERVICE '' but it is not self service I gave my email for activating my debt cards though that service without logging in to online banking my MAIN source for using my cards IS email I NEVER USED ANY ONLINE STUFF TO ACTIVATE MY CARDS ITS ALL DONE BY XXXX XXXX  AND EMAIL NO NEED TO LOG IN OR CALL MY BANK TO ACTIVATE IT FOR ME I NEVER HAD THIS PROBLEM WITH MY MASTER CARDS ISSUED BY A OTHER BANK I CALL IN TO US BANK AND NEVER FIX THE PROBLEM I BEEN SCAMMED BY VISA AND US BANK
Navient has repeatedly either misapplied payments with clear instructions in compliance with Navient 's instructions so as to collect more interest. Additionally, on more than XXXX occasion, Navient incorrectly charged late fees to my account in good standing.
We are attempting short sale for loan # XXXX. Ocwen has been uncooperative. I have been advised that the account is currently with XXXX XXXX and was provided a phone number of XXXX, ext. XXXX. This is not a working extension. I have attempted to use the dial by name directory and there is no one with the name XXXX XXXX in the directory. I contact Ocwen customer service ( XXXX ), twice I spoke with Representative ID # XXXX ( XXXX? ), the first time he transferred me to the short sale department, I hit " XXXX '' to speak with the operator and the call immediately disconnected. The second time ( both occurrences on XXXX/XXXX/16 ) I was placed on hold for 15 minutes, then transferred to a line that rang for 10 minutes, then disconnected. We will be contacting an attorney to assist further as this level of non-communication is completely unacceptable.
I was contacted at my placed of employment by Bull City Financial. I believe that I owe {$220.00}, which is an estimate. I have spoken to them before to try and resolved the debt but advised at the time that I had to call back to make sure I had the funds in place. This was during the week of XX/XX/XXXX, and I can not remember the exact date that week. My father recently passed and reviewing old debt was the last on my list. When I spoke with a representative on or about the end of XX/XX/XXXX, my contact information was verified with them. Today XX/XX/XXXX a  representative called me on my work phone without authorization. They were not advised that this was a viable number to call and it is disruptive to my work. I would like them to be sited for their debt collection practices and this cause undue stress and reprimand from upper management.
Received a " Warning of Suit '' letter via US Mail in early to XXXX for HOA Assessments, however, I disputed the information within 30 days of receiving the notice by sending a debt validation letter via US mail on XX/XX/XXXX. The company failed to validate the debt. I've sent them another request via certified mail. Despite their failure to respond to my request to validate the debt, they still have not stopped collection activity.
Since at least XXXX XXXX, 2017 I have been trying to withdraw my money from Coinbase. I get an error that says I am not able to be found in public records, and therefore, am unable to verify my account. Since I am unverified, I am unable to withdraw my money. Even though I was unverified, the Coinbase system had no problem with me funding my account with over {$5000.00}. It let me put money in, but wo n't let me take it back out. 

I have put significant effort into contacting Coinbase customer support to get my issue dealt with. Coinbase has simply ignored my request. In addition to that, I waited on hold for over 2 hours on 3 separate occasions only to have the customer service representative hang up on me after finally getting through. Also, the customer support representative did n't give me any useful information whatsoever and did n't even try to solve my case. 

I would like to scan my Passport or Social Security card in order to prove my identity, so I can then withdraw my remaining balance, and then I would like to PERMANENTLY close my Coinbase account.
I have sent Ally Financial letters stating that I dispute information they are sending to the credit bureaus. They failed to mark my account as disputed within 30 days of my contact with them on all XXXX of my credit reports which is in clear violation of FDCPA 807 ( 8 ). I have time stamped copies of all XXXX credit reports and a certified mail reciept showing when Ally Financial recieved my letter proving they failed to mark it as disputed.
I have asked XXXX that XXXX validate this debt. I have received statement and looks like maybe a copy of a bill from Lowes date XXXX/XXXX/2010. 

portfolio has not removed this from my credit reports or validated this bill.