WillisBack/dataset-financial-user-claim huggingface dataset:
I have placed this under " Making Payments '' as that seems to be the best option, but really does not apply to my situation. Bank Of America held the mortgage for my property that was sold through the HAFA program back in XX/XX/XXXX. The short sale process was completed and transferred out of my name XX/XX/XXXX. BOA issued the XXXX to me for the cancellation of the remaining debt. XX/XX/XXXX I received notification that this mortgage has been sold to XXXX XXXX XXXX. Called XXXX and was informed the documentation they received from BOA reflected I was XXXX months delinquent and the property was in process of foreclosing. I now owed an unpaid principal balance of {$61000.00}, interest {$15000.00}, corporate advances {$790.00} and escrow advance of {$380.00}. I informed them of the short sale that was completed on the property back in XX/XX/XXXX and I would fax a copy of my XXXX and contact BOA. Placed a call to BOA XXXX short sale dept ) and the information was reflected in my records that the sale was completed, with no balance due, XX/XX/XXXX and they would forward it on to XXXX. Since the information that was transferred from their foreclosure department, I asked to be transferred to that department. They informed me since my " loan '' had been sold, they could not give me any information as all documents had been forwarded to XXXX. I explained the situation again ( the short sale completion ) and basically the information they had sent to XXXX was erroneous information and I needed for them to correct this ASAP. I needed some sort of documentation from the foreclosure department XXXX information they could access through THEIR short sale dept ) stating there was NOT any foreclosure proceedings on that property and no balance was due and it was no longer in my name and there was no mortgage to be sold. The only option they made available to me, was to file a complaint and wait for one of their agents to contact me. I asked that it be placed into some sort of escalated or urgent status and the response I received was, " I will try but I ca n't guarantee anything ''. I waited XXXX hours for a call and when one was n't received, I called them back. Today I was informed it could take up to XXXX hours for this return call. Which means they have another XXXX hours to respond. In the short sale process with them back in XX/XX/XXXX, I am not holding my breath, as I seemed to get the same run around then as I am now. That is why I am not waiting another XXXX hours and filing this complaint. Not only is my credit at stake, which has been rebuilt and I have recently purchased another property, but my sanity is also at stake. I can not understand how a banking institution can sell a non-existent mortgage and then how, it has become MY problem.
Complaint # XXXX-XXXX This complaint was submitted and Wells Fargo responded after requesting additional time. The response was the same as usual ; " we reviewed, the applicant does not meet our program guidelines '' without ever describing the specific program guidelines, income required or any thing else that would give me the opportunity to say, here, I can do that. 

In XX/XX/XXXX there was yet another report ( XXXX ) about a Wells-Fargo foreclosure nightmare. A couple went to Wells for assistance since Wells " wants to help you stay in your home '' and in their words " begged for help '' because the primary breadwinner had been laid off from his XXXX job. Wells did not accept their requests - ( plural ) for a mortgage modification. Years later, ( last fall ) they found out that they were the VICTIMS of an " apparent software glitch '' that caused them to lose their home. After all of the heartache they were paid {$15000.00} by Wells, without any explanation as to how the bank came up with that number, to " make things right ''. How could things possibly be made right? I am trying to avoid that same fate. 
Wells has NOT explained their " proprietary step program '', the calculations they used or what would be needed from me for me to qualify for a modification. They instead, have decided that they can make more money on my home, that I have lived in for 27 years because of something called Net Present Value. What does it matter to them if I want to pay until I die? How is Net Present Value a demonstration that they want to " help me stay in my home ''? 
I called the CFPB. I was told that the bank has to fully explain not just " that '' I don't qualify but provide, in detail, an explanation, that I can understand and calculate myself. Wouldn't that be the way to " assist '' me? Truly help me to " save '' my home? 
I am demanding full disclosure by Wells-Fargo. I am demanding full explanation and presentation of the actual calculations Wells used to make the determinations on my numerous requests for modification. My current income qualifies me for a pretty substantial mortgage. It defies logic that I would NOT qualify for a modification. 
Once foreclosure has occurred it's TOO late for Wells-Fargo to " make things right ''. Once a family is uprooted, life is completely disrupted, it's too late. This has been such a LOOONG process. I believe that Wells has engaged in deliberate tactics from back in the beginning ( XX/XX/XXXX ) when I first started this, to delay and harass and run up the arrears and fees just to make it impossible for me and others like me to recover.
Complaint Description : We 've received XXXX property tax bills within 2 months. We 're requesting they be paid from our escrow account but our lender is delaying the process. When we purchased our property we had to pay a significant amount to fund our escrow account. As a stipulation from our lender, and have the account impounded. Since XXXX we have paid each month into our escrow account faithfully and was advised by the representative who we signed our closing documents that we have overpaid and are still overpaying the necessary amount into escrow. To date our mortgage company has only made XXXX payments from our escrow account and sent us an overage check because we overpaid. In XXXX we received a supplemental tax for XXXX fiscal tax year with half due XX/XX/XXXX and in XXXX our new property taxes for fiscal year XXXX with half also due XX/XX/XXXX. We have contacted LoanCare on several occasions and have sent documents via fax, email and even certified mail to no avail. When asked who we could file a complaint with they say there was no one we could speak with but that the matter would be escalated. We had to go as far to contact our original loan officer in order to get a response and assistance and even now we are still at step one. After all the battling they are saying they will only pay half of the first supplemental tax bill but they will not pay the other half because the funds to pay the remaining balance would not be available which makes no sense according to their own calculations. Their balance of our escrow account is incorrect we were told by one representative and the title company that we have one amount and another that we have another. And they 've refused to explain what happened to the original amount we funded the escrow account with when we signed our closing documents.
This company continues to report on my credit report after I  sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

THIS IS NOT MY DEBT!

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY
To Whom It May Concern : I purchased a XXXX XXXX XXXX  from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX ) on XXXX XXXX, 2017. I was financed by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ). While financing the vehicle, this company has placed my payment on another customers account and have called and harassed me multiple times about the payment that was made even though there were notes in the account that stated that they had to put the payment on the correct account. On XXXX XXXX, 2017, I received a notice from XXXX XXXX stating that I had a change in my credit report. When I checked the report XXXX had my account with Tidewater labeled as closed-paid and on XXXX it showed the same and stated that this loan was included in my Chapter XXXX  bankruptcy. With that being said, all of my payment history was erased and my credit score plummeted. This has caused me a tremendous amount of undue stress and mental anguish. Seeing as how this company has no regard for its customers or their credit, I would like for Tidewater to take possession of the vehicle that they have written off and not hold me liable for said loan since they have destroyed my credit. I would like all correspondence to be submitted in writing and all phone calls to cease. Any correspondence should be forwarded to myself as well as the Consumer Financial Protection Bureau for their records.
Keep getting calls from National Prinicpal Group regarding a bill I supposedly owe. They 've also harassed my parents and my ex in-laws!? Finally spoke with someone and told them I never had a contract ( or heard of the company they said I was in violation of ) with or had an account at the bank they said I drew the loan on ( again, never even heard of the bank ). Told the woman calling to send it validation of the debt because I was debating it. Said she was sending time sensitive information that I needed to respond to, but did n't. Instead, 6 days later, I get a demand for payment, but still no debt validation. I do n't owe this debt and they keep harassing me and everyone I know but using different phone numbers. You block one and the spawn another.
I paid off my loan completely and they report 30 days late payments and we need this gone from my report the account is in 0 balance
I own XXXX properties. XXXX is my XXXX CA home where I reside and the other is my XXXX CA home which I rent to a XXXX which I own. In XXXX 2015 I began working with US Bank in XXXX, CA to refinance my XXXX home in order to pay off the mortgage on my XXXX home. At that time I owed about {$25000.00} on my XXXX home and about {$360000.00} on my XXXX home. My wife and I have exceptional credit score. My loan officer never suggested that we would have a problem securing a loan. However, I was denied the loan because I wanted to much cash out of my XXXX home. The loan officer was well aware of my intended use of the money from the casjh out from a loan on my XXXX home. I believe he should have known about bank policy regarding the limits for cash out loan. He advised me that the underwriters denied the loan which may be correct. However, I should have known about bank policy before I agreed to an appraisal which cost several XXXX dollars. I believe that the bank should reimburse me for the appraisal fee and other expenses associated with my attempt to secure this loan.
Have on the credit report that this is a joint account. I am divorce, it on file in XXXX XXXX in NC. The bank is Santander Bank N.A. XXXX XXXX XXXX, XXXX, MA,XXXX Tele- XXXX.
did not apply for loanDear XXXX Thank you for choosing CashNetUSA as your trusted online lender. 

We have received your email/facsimile advising us that you did not apply for this loan. However in order to stop collection procedures, we will need to receive a police report specifically stating that fraud has occured with CashNetUSA under your identity. Please remember to have our company name on the report. 

Until we receive the report, collection procedures will continue and you will be held responsible for the loan. 

If you have any questions or concerns please contact our Collections Team. We are available 24 hours a day, seven days a week. 

CashNetUSA Collections Department Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX www.CashNetUSA.com
There are HARD inquiries being reported from the following companies on my credit and Equifax is refusing to remove them even after I called the companies and they advised they had no information on me or any inquiries. My information was used without my authorization. 
Companies : The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )
JP Morgan Chase keeps charging us for Inspection costs and they are not doing any inspections plus we are inquiring about these Inspection costs that are occurring frequently and whether it is legal per the loan agreement to charge Inspection costs especially when no inspections are taking place. We have tenants in the mortgaged home and these tenants will testify to the fact that no inspections are occuring at the mortagaged address.
XX/XX/18 I attempted to log into my Kohl 's charge account, in order to pay my bill current. I received a message " System is not available. '' I could not locate my card. I called the customer service number to gain access to my account, and was told I could not have access to SEE my billings or to verify what I owed until I brought my account current. I have a right to SEE my bill, before I pay. They refused to allow me access to my billing account. I then asked what I owed to bring my account current. The amount stated was {$110.00} questioned that amount several times, stating I didn't want to make a payment not yet due, just the amount to bring the account current TODAY. Kohl 's employee refused to tell me the truth stating that I had to pay amounts due on XX/XX/18 in order to be current today. I sated that was erroneous, and he refused to give me the correct information. He also stated that the federal credit and collection laws do not apply to Kohl 's. I asked for a manager, ) who eventually gave me the information I asked for, {$62.00} was due to be current today. I asked for the identifying information of both employees. Kohl 's repeatedly calls my phone, without leaving messages, sometimes calling back immediately, when it goes to voicemail. I have asked them MANY times to not call repeatedly, to leave a message, and informed them that I can not take calls during work. Yet they refuse to stop their harassment. They use misleading and false representations of amounts due, harassment, and continue to illegally call people who are at work when asked to stop. I was behind in payments due to XXXX XXXX, and was making every attempt to become current, and they blocked me from doing so, as well as refused my right to see my statements and account billings.
Equifax has inquiries on my report that I DID NOT authorize, they are fraudulent, and I did NOT give any of the following businesses authorization to run my credit and they do NOT have a permissible purpose! 

XXXX XXXX, XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XXXX XXXX XX/XX/18 The above inquiries NEED to be deleted IMMEDIATELY
This company ( AR RESOURCES INC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$390.00} with XXXX, XXXX, and XXXX credit reporting agencies. I  requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
This is the third time I 've typed this and it has disappeared. 
So briefly my husband died in XXXX 2013 and he was the only one on the loan. I contacted Wells Fargo and submitted all the paperwork for a loan modification because of hardship. They returned the paperwork stating that since the loan was not in my name I need complete the paperwork for a Non-qualifying Assumption. I did so as I recovered from XXXX XXXX XX/XX/XXXX. I then got all my paperwork back saying I missed the deadline by 9 days. They recieved my paperwork on XXXX. I was never told there was a deadline. I filled out the paperwork as quickly as I could. I then had to assume the loan with a credit qualifying assumption. At the time it was impossible. I would appreciate some help on the matter.
Hello My private student loans were initially handled by Sallie Mae until Navient took over. I have been paying my loans on time for the last 7 years and the throughout this time I have been noticing the monthly payments are increasing and the portion of the monthly payments is going towards the interest and not the principle balance. I called Navient regarding the matter and their response that this is out of their hands and the interest varies based in the stock market rate!!!. I explained to Navient that if my credit score has been improving, my principle balance is decreasing and my on time payment history is excellent, why would my interest change and my monthly payment is increasing?. 

I also applied for a release of cosigner request, providing them with documentation that I have been paying Navient on time for the last 7 years and proof of graduation and U.S citizenship, but they still rejected the request based on invalid reasons. 

I really believe as a borrower that we need a break. I keep paying for money that I have borrowed almost 15 years ago when I was young and nave and unaware of the consequences. I really need help to get out of this never ending loan payments
this company has been calling multiple times a day for months. We have never had any outstanding debt. They have claimed XXXX. I called XXXX, they agree that my account is, a and has always been paid on time and is up to date. I called them back and asked to be taken off their list. They wanted my SSN and other personal information, which I refused to give them.
When I took out the loan with Castle Payday later to be renamed XXXX I was not made aware that the interest was 910.0041 %. I did n't get that information until after I signed. I took out a loan of {$450.00} and was not made aware that the loan was going to cost me in total {$2900.00}. I 've already paid them {$1100.00} and still have until XXXX XXXX, 2016 to pay on it. They still tell mE my payoff is {$600.00}.
XXXX XXXX XXXX took me to court i didnt know it till i was served .i won the case against this lawyer.the judge evan wrote a 10 page law review article on the case. XXXX XXXX is the person who filed the case against me in court.the llc was just opened around the time XXXX XXXX was alleging i was in default.as i looked on XXXX XXXX an seen the llc 's that this attorney has opening an closing them, is crazy illegal to me.but he is the man im directed to when trying to resolve this issue. in my previous complaint about the reporting agencies. i will be filing a florida bar complaint as well as this i had a recent score of XXXX i was proud but since the end of court i havent recieved my XXXX dollars he owes me from court.and my credit is droping in some instances 50 points or more.because of his actions i have contacted him he represents XXXX   XXXX so he is in charge of the matter this man knows i won the case and so know between XXXX  XXXX and this attorney my credit is toast.because of these actions i fill victimized by this atorney.
I have a Fidelity Reward credit card. Recently they change the servicer from XXXX XXXX XXXX to US Bank. But they did such a bad job in conversion. I did not receive the notice but receive my new card ( a Visa card, used to be XXXX XXXX ). Then I update my account number with the new number and send the XX/XX/XXXX payment ( {$2100.00} ) through my online checking account. After 2 weeks, this payment was not posted into my account. Then I called them and was told the conversion. They did not receive my payment since I used the new card number but sent to the old address. I did not know the conversion happened in the first place. How would I know the new payment address? I called the original servicer, XXXX XXXX XXXX, new servicer, US Bank, and my online bank. Nobody is responsible for this mess. I lost my {$2100.00}!!!
This company, Health Services Asset Management, contacted me first on XXXX XXXX at XXXX and then XXXX XXXX at XXXX in relation to a debt presumably held by my mother, as that is who they were requesting to speak with. As I understand it, repeated attempts to contact a third party related to the debt holder is illegal and I would like them to cease all contact with me.
I called Round Point Mortgage for the followup of the Complaint with CFPB Complaint XXXX. The guy named XXXX XXXX me and told me that they going to issue the check dated on ( XX/XX/XXXX ). He has given me the XXXX number ( XXXX ) and promised me that I will receive the Check by XX/XX/XXXX. When I called the customer service to inquire about the Check, They told me that it was generated and was not dispatched. I sent so many emails and I haven't heard anything back from him. 
Looks like he is lying to me. I wasted long hours to resolve the issue but it didn't happen so far. This my third complaint on the same issue and the issue hasn't Resolved. 

1st CFPB Complaint number:XXXX-XXXX  2nd CFPB Complaint number : XXXX-XXXX
Dear Sir, I am going through the Experian Credit Report dated XX/XX/2018 and also checking inquiries on my report. I have closed all my individual chase credit cards on XX/XX/XXXX and XX/XX/2018 respectively. I have noticed that, Experian credit report has fraudulent inquiry of XXXX Credit Card dated XX/XX/2018. XXXX is a fraudulent credit card company and hence I have closed all the credit cards, same has been recorded in CFPB complaints, Fraud and Identity complaints. 
Why did chase inquire about my social when I have not contacted XXXX   XXXX or I do not have any plans to have any kind of XXXX  credit card. Could CFPB direct XXXX XXXX/Experian to explain me the reasons of this inquiry dated XX/XX/2018. Could CFPB direct XXXX XXXX/Experian to issue me an official letter on this inquiry, anyone fraudulently obtained any card using my social, need complete details of this fraudulent inquiry dated XX/XX/2018 on my Experian Credit file.