WillisBack/dataset-financial-user-claim huggingface dataset:
I moved out XXXX, located at XXXX on XX/XX/XXXX. I was subsequently notified of resulting move out charges in the amount of {$1000.00} via mail on or about XX/XX/XXXX at my new address in XXXX ( See annex A ). I was not notified of these charges at anytime prior to this date either orally or in writing. The notice stated I had 30 days from the move out date to remit payment which I did on XX/XX/XXXX ( see Annex B ) However, XXXX XXXX had already referred my account to a debt collection agency, Hunter Warfield prior to the XX/XX/XXXX deadline ( see Annex C ). The amount paid was in the value of {$1000.00} as a {$64.00} is currently in dispute with XXXX XXXX XXXX.I currently in discussions with XXXX XXXX XXXX in regards to the remaining {$64.00} but the company has yet to return my calls. I have notified both companies in writing of my payment of this debt and my intend to fill a complaint.
So Experian has a massive data breach through XXXX, and I get to pay them, and the other XXXX XXXX, for the privilege of freezing my credit reports to minimize the damage they did to me through their incompetence. See anything wrong with this?
Wells Fargo Mortgage & Wells Fargo Home Equity had bought my XXXX & XXXX mortgages with the purchase of Wachovia in XXXX. The XXXX mortgage was paid ahead 10 months as a result of extra principal payments from XXXX. In going thru a separation with my spouse XXXX Wells Fargo allowed her individually to change the paid ahead " buffer " to a principal reduction which changed the due date from XXXX XXXX, XXXX to XXXX XXXX, XXXX ( backwards & loosing 9 months ). The correction debited the paid ahead balance and credited the interest in an amount over {$40000.00} which the lender failed to correct on the XXXX mortgage interest reporting for that year ( attached ). 7 months later the loan was on the verge of default after my numerous attempts to correct this payment adjustment but was declined numerous times. I attempted a modification with the lender however Wells Fargo entered into a unilateral mortgage agreement with my former spouse only in early XXXX to payoff XXXX existing mortgages affected by the payment misapplication ( attached ). The lender had instructions and even printed my name to be signed on the mortgage documents ( attached ) however accepted my former spouse 's signature only without a divorce decree or quitclaim deed or court order as required by statute & XXXX rules. Wells Fargo then continued to report the loan under my credit bureaus for years thereafter and has as of this day never cancelled the paid off deeds of trust. The lender actually has denied access to loan information numerous times stating I am not a borrower, however continue to claim that I am the borrower and are using my property without consent. Years later in XXXX the lender finally removed credit reporting but in late XXXX it was discovered the lender had failed to cancel the paid off deeds of trust from the XXXX refinance with my former spouse ( only ). The erroneous credit reporting disqualified me for obtaining a mortgage during that time and the unreleased deeds have prevented me from obtaining credit as they continue to show an obligation. The bank has refused to correct numerous times and has violated not only Fair Credit Reporting act but XXXX, Truth in Lending, RESPA, Fair lending, XXXX rules, XXXX XXXX XXXX CFPB rules but have used my credentials and property without permission or court order to allow an individual ( former spouse ) to obtain an artificially low interest rate ( 1 % ) on a government subsidized mortgage while at the same time increasing living expenses and preventing further credit from being obtained ( identity theft ). Wells Fargo has also denied access to closing document information regarding title insurance name and contact.
On Yesterday, I received a response from Transunion about these unauthorized inquiries. They stated that the inquiries will fall off in two years, but in my complaint I asked that these inquiries be properly investigated and I also wanted to receive a copy of proof of how these inquiries were verified. I never received proof of verification of these inquiries therefore they should be removed from my credit report. I never gave these companies permission to view my credit report. I 'm also aware that according to my FCRA rights, inaccurate information is n't allowed to be on my credit report. I DEMAND that these inquiries are REMOVED immediately. The inquiries are : XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX
On XX/XX/XXXX I acquired an auto loan from Westlakes Financial. Monthly payments beginning XX/XX/XXXX. On XX/XX/XXXX I got an unsecured personal loan from XXXX XXXX to pay off Westakes. Now a year and a half later, I tried to finance a vehicle and was denied due to a charge-off on my credit report from Westlakes. I immediately contacted Westlakes and was told that the pay off was short by {$30.00} by XXXX XXXX and now interest had accumulated to {$97.00}. I paid this immediately that evening to resolve it. Now, my account status says Account Paid - Was a Charge-off, which is ruining my credit. I have been denied by numerous banks because of the charge-off. I have made countless phone calls to Westlakes. About 3 different employees at Westlakes looked at my account and said the charge-off was not my fault. All of them said it was common sense that it was not my fault. I was told to call back a week or so later for a final decision on whether they would remove the charge-off. When I called, I was told they decided to not remove the charge-off. If CFPB requests phone calls made by me, you will hear the employees and one supervisor say that the charge-off was not my fault. Westlakes has been sued in the past. They have a history of taking advantage of people with poor credit. CFPB forced Westlakes to pay XXXX XXXX dollars in damages. One of the things Westlakes has been sued for is for breaking or changing contracts without informing clients. I have attached a copy of our contract. The contract is good through XX/XX/XXXX. Westlakes broke our contract and put a charge-off on all of my credit reports over {$30.00} owed, which I was never notified about. The amount was paid and the {$97.00} in interest was paid as well. This financial institution has a history of this sort of activity. To further show you the type of questionable activity that happens at Westlakes, I have attached two letters sent to me and my wife from Westlakes. At the beginning of my search, I tried to finance a car through Westlakes. In the rejection letters we received, we were both told that we were denied due to a previous repossession with Westlakes. My credit reports will show that neither me or my wife have ever had a repossession with any financial institution. Finally, I have also attached a copy of the Westlakes contract and the pay off check from XXXX XXXX to show the documentation. Thank you for your time and for your help.
I was pre- approved by my lender / XXXX for a texas XXXX land board home loan, and now when we are in our option period of purchasing our first home, our lender said he can not proceed with the load due to not having a credit score. XXXX?!?! I have excellent credit, in the high XXXX 's, and its been like that for a long time ; seems someone has screwed us over so we cant purchase a home. I just want my score back, plain and simple. These idiots always had a score for me, now when I need it I dont have XXXX?!?!?!??? Something is very fishy about this, like someone is watching us and creating this problem. My wife who has only 2 yrs work experience in the usa from the XXXX has a score, yet I have more credit than her and where XXXX is my score?!?!?! This is my first time to complain about a credit reporting agency like this, except when my identity was stolen. I work in XXXX, pay bills on time, even have some auto pays with a credit card and bank acct. From what I did find out, I am in good standing, which is good news, however they are not giving me a score which we need to get a loan. Anyone who can help us out would be appreciated, and put a stop to these XXXX XXXX with people. I did put a fraud alert on my acct., since I dont know whats going on. I also noticed on my report a mistake that I payed {$230.00}, I usually pay upwards of {$1000.00} or more via a phone system with XXXX, and I do keep records of that, however I am not usually reading my credit report. Thanks.
A late payment of XXXX days hit on my credit report for a credit card that I did not know existed. There is no way this account is mine and and after getting a copy of my credit report, it was opened in XXXX. Can you please look at the history of this account and provide me with who opened it and how? XXXX has the account linked to an address of XXXX XXXX XXXX, XXXX, NJ which is where my ex-boyfriend used to live and it seems that he might have opened a card under my name illegally. If he did, then I will file a police report and identity theft affidavit but I am sure that after you do your research and what account the payment came from, you can see it is not mine.
Re : Second Complaint Against M & T Bank - Loan Number # XXXX Previous CFPB Case # XXXX To whom it may concern : The original complaint against M & T was submitted in XXXX, This is the second complaint with the new information. Until last week, XX/XX/XXXX-XX/XX/XXXX,  though I had called on numerous occasions, After checking records on my cell phone and work phone, I received no phone calls from M & T bank on either regarding my submission of substantial new information. Each call resulted in speaking with a different person who didnt have the file. Its amazing that they would not be willing to work with a customer who, up until this point, had paid timely and more than required. The scenario below outlines what has occurred. 

1. To my original request for a modification, M & T responded that I couldnt afford the modification, though the reason for a modification is to help the homeowner afford to stay in their home. Because of medical bills, which are still ongoing, there is a necessity.

2. As they requested, I sent additional information to show a reduction in expenses which shows a change in financial position. No response on the updated information.

3. The attached letters state that they are willing to work with me on loss mitigation options ; however, when I call the Homeowners Assistance Center ( HAC ) they say they are not. A {$650.00} reduction in expenses is substantially new information.

a. # 2 - XX/XX/XXXX letter. M & T states they are unable to honor the modification appeal because they didnt receive new or additional information. 
b. # 3 - XX/XX/XXXXupdated expenses. I sent an updated financial report to them on XX/XX/XXXX. The original report is included ( attachment # 1 ) c. # 4 - XX/XX/XXXX M & T letter. States they remain willing to review my account for possible loss mitigation options. 
d. # 5 - XX/XX/XXXX M & T letter. States they remain willing to review my account for possible loss mitigation options.

e. # 6 - XX/XX/XXXX M & T letter. States they remain willing to review my account for possible loss mitigation options, and that I should call the HAC to inquire. 
f. XX/XX/XXXX, I spoke to XXXX in the HAC who said she was sending a new package for me to complete. However, the management in that area disapproved the request. 

Though M & T has stated that they are willing to work with me on loss mitigation options, their actions are just the opposite. Even after sending different financial data as requested, they didnt send another package as promised. None of the letters speak to the new information sent. When I call they are unwilling to work out options and say something totally different than what is sent with their letters.
name on my transunion reports, reports a name of mine as XXXX XXXX, have no such name
I have a charged off account ( XXXX ) that is scheduled to come off my report on XX/XX/2017 according to Experian. I have credit reports records for the last five years and they all say THis Account is scheduled to continue on record until XX/XX/2017. I asked for the account to be removed the beginning of XX/XX/XXXX via dispute but when I got the results Experian states that it will be removed on XX/XX/2017.
Today,  XXXX / XXXX /  XXXX  , I attempted to make a payment online for the ending statement balance due of {$55.00}. The online payment system would not accept a payment that exceeded my current credit card statement balance. My current credit card statement balance consists of a credit of {$27.00} for a refunded late payme nt. ( This  is a new account and I did make my first payment a day l  ate, Kohls refunded the fee ). The fee was refunded after my statement had cycled, hence, my balance due on the statement was higher than the current balance.
Interest is charged on the statement ending balance. The only way I can avoid this is to pay the full balance. However, their online payment system wo n't accept a payment that exceeds the current balance. I called their customer service department to verbally make a payment and the representative discouraged me from paying the balance in full. I had already paid the current balance online, which was less than the ending statement balance. I told him that in order to avoid interest charges I had to pay the statement balance in full and I was fine with having a credit balance on the next statement cycle. He was argumentative but I finally prevailed after telling him I was an accountant and knew exactly what was going on. Clearly this is a way for Kohls to earn interest by not allowing its customer 's to pay off their statement balances online and discouraging them to do so over the phone.
Kohls should accept payments for the total statement balance online regardless of activity on the following statement cycle.
Our son was in an auto accident and was injured. He now has very serious health problems. He had a XXXX credit card. He tried to pay it but it was sold to Portfolio after XXXX filed for bankruptcy. He continued to pay on it, even though he continually explained his situation. He was trying to get his life back and reestablish his credit rating, and get any debts paid. 

he was taken off of work for a period after the accident and they found more very severe health problems. He had informed XXXX & XXXX and Portfolio in the last contact and it went ignored by them and they followed through on this default against him- a person with very severe medical problems. 

This past year, he was served with a summons. He did not understand what to do and kept paying the debt.He paid them over {$100.00} out of good faith and agreed to pay his debt, just wanted them to work with him. He has paid, XXXX and twice in XXXX of 2015, receiving letters of receipt back from Portfolio/XXXX XXXX XXXX thanking him for his payment. 

He continually asked for the summons to be dropped. He is unable to talk on the phone regarding any financial debts, due to previous harassment and comprehension difficulties. This was stated several times in complaints and contact he had made to them, both in writing and to the CFPB. 

We believe that we are authorized to contact on the account. If not, we would at least like the CFPB and public to be aware of the harassment our son, with health problems is going through even though he is making payments to these two companies. 

This week, he received a default, enforced by the same company that had been sending him thank you letters for his payments and that he has paid over {$100.00} to these past two months. XXXX of the receipts are enclosed. In the past two months, he has made XXXX payments. {$100.00}, {$12.00}, and $ XXXX default has now destroyed his credit.
I had a collection account as a result of an account that I had with XXXX. I made a settlement payment to satisfy this debt and in agreeing to settle the debt I was told by the agent that upon receipt of my payment the debt would be totally removed from my credit reports. Even after paying this debt with Hillcrest Davidson and Associates in XXXX Texas the debt was again sold to another collect agency, XXXX. I contacted XXXX XXXX and spoke with an agent named XXXX, who informed me that I could pay half of the {$1600.00} bill and the bebt would be removed from my credit reports. I informed XXXX this debt was paid off with Hillcrest and Davidson, to which XXXX responded that Hillcrest was a fraud and unless I paid them the debt would remain on my credit reports. I then again contacted Hillcrest, who stated XXXX XXXX is a fraud and they provided me with a letter to verify the said debt was indeed satisfied. When I inquired about this unethical mishap/behavior, I was told by XXXX the account was sold to them about six months ago from XXXX, which is unfair and unethical, as the debt had been settled with the first agency, almost a year ago. After the debt was n't removed from my credit I contacted Hillcrest and Davidson as to why this debt had not been removed from my credit report. I informed them this is what I was told by the agent who set-up payment of this debt. After giving the agents name I was told he was fired because of misconduct.
I saw an ad on a social media site stating " Loan Forgiveness Program '', I was interested because I have loans that I needed to consolidate, so I ended up calling the number XXXX, someone answered right away asking me how many loans I had, for my social and all my information, he put me on hold for 5 minutes claiming he was speaking with his manager in order to get me the loan forgiveness plan & explaining to me that I would have to pay anything after me paying them. I gave them my debit card information and they charged me a total of {$790.00}. According to the person on the phone, he said the payment went through, and that from there forward I would n't have to worry about any more payments, therefore, my school loans were at {$0.00} balance. I also have documentation where they said I signed which I never did, use a cursive font in order to make it seem as I signed. One year later I now recieved a letter for Federal Student Aid stating I had to start paying my student loans. I thought this must be a mistake because I already " consolidated '' my loans why would I have to continue to pay anything anymore? I called the Federal Student Aid and to my surprise, all they did was take my information and pretend to be me and have my loans in deferment. I also tried to log-in to the Federal Student Aid website in order to proceed with the Income driven re-payment plan and they had used my information, created an email address I have never used, also use a California address and phone number all associated with this account. I have lived my XXXX years of my life in Florida. Why would I use any contact information in California? These people have scammed me out of my money for in their words " documentation preparations '', which I could have done personally for FREE. XXXX XXXX XXXX XXXX http : //premierstudentloancenter.com/
Santander imposed an unfavorable APR of 27 %. I believe I was targeted because I didnt have a favorable credit score as they have done with many others. Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower can't afford. ( I.E. In XXXX, Santander had to pay {$26.00} million to settle allegations that it gave high-interest loans to car buyers it knew could not repay them. ) They targeted low income borrowers and those with bad credit. 

I had a decent job with no other financial obligations. My credit improved and I tried refinancing for a lower interest rate with other companies and was denied because the loan was considered upside down, owning more than what the car was worth. Santander doesnt allow you to refinance or lower the interest rate. During the time I had my loan I terminated from my job on a few different occasions. I postponed about 6 payments due to this ( i.e. 2 in XXXX and 4 in  XXXX ). The initial amount borrowed was on XX/XX/XXXX for {$15000.00} at 27 % for 72 months. I paid {$12000.00} over a period of 3 years. XXXX paid {$7200.00}. XXXX which is a subsidiary of Santander paid {$2600.00}. A grand total of {$22000.00} had paid. They sent a letter for an additional {$310.00} a month for 41 more months. The car was totaled and if it was not for the high interest rate ( 27 % ) the car would be paid off. I had full coverage and gap insurance.
I am a graduating XXXX student, looking for a loan for XXXX costs and living expenses. I found the Wells Fargo loan and went through the initial process to find a loan. A loan was returned, offering a variable APR of 9.76 % and a fixed rate of 10.89 %. I clicked " Apply Now '' and went throu gh the process of putting my info in. It populated their required disclosur es in another window, where the variable rate showed 10.24 % and the fixed rate was 11.49 %. I called Wells Fargo to figure out what the real rate was and explained what I saw as a " bait-and-switch '' tactic ( assuming no one actually reads the disclosure statements ). The agent was very nice, but had no explanation, saying he would " Send it over '' and have " them '' look at it. Given the REALLY bad press Wells Fargo has gotten recently, you would think they 'd be a little more conscientious about their conduct.
5 things that were previously deleted from my report were added back this month which includes a BANKRUPTCY, XXXX COLLECTION ACCOUNTS and several inquiries. These were previously disputed and deleted. 
the collections were XXXX, XXXX accounts and XXXX and the bankruptcy.