WillisBack/dataset-financial-user-claim huggingface dataset:
Good Morning, this is my third complaint on the same exact matter. 

Complaint XXXX, no response from Wells Fargo. I spoke to Wells Fargo a few days after they received the complaint. I was advised " Wells Fargo would HONOR '' my 5-Year Interest only modification, with a payment of {$1200.00}. 

XXXX Modification Effective Date. XXXX/XXXX/XXXX. Monthly Escrows {$390.00}. Modification reads as follows " This is your monthly payment into an escrow account and this amount is calculated in accordance with the Loan Documents and State and Federal law. This amount may change from time to time if escrow items ( Primarily taxes and insurance increase or decrease '' XXXX Taxes {$2000.00} paid by Wells Fargo XXXX, {$860.00} Home Owners, Paid by Wells Fargo XXXX. Taxes {$2100.00} scheduled to be paid by Wells Fargo XXXX. Total Escrows {$5000.00}. 

My payment = {$850.00} Interest Only + {$410.00} = {$1200.00}, which I pay {$1200.00} per month. 

XXXX/XXXX/XXXX - Escrow Review Statment from Wells Fargo. Your escrow account has a shortage of {$2200.00}. Option # 1 your payment will increase to {$1400.00}, {$850.00} Interest Only + {$610.00} Escrows = {$1400.00} or a {$190.00} increase per month. 

When I signed my 5-Year Interest Only option, XXXX including within the modification agreement. Ancillary Monthly Payment {$0.00} and I feel Wells Fargo is in breach of contract by charging me for this. 

Ancillary Monthly Payment reads " This includes some or all amounts the Servicer has advanced for real property taxes, insurance, water liens, or other amounts that may have become due with respect to the Property. The servicer has spread the repayment of Ancillary Amounts over a period of 0 months. 

XXXX/XXXX/XXXX I sent a letter to Wells Fargo Qualified Written Request ( XXXX, XXXX XXXX, IA. Attn Written Correspondence ) and I have NEVER heard back from them regarding this. 

Wells Fargo has NOT responded in writing or phone calls to myself on CFPB complaints # 1 or # 2.. Wells Fargo claims they " Ca n't get ahold of me '' yet they have my phone number and address. I feel they " Choose '' to ignore my requests. 

I have no problem paying the increase in escrows due to taxes increasing. 
{$850.00} - Interest Only {$420.00} - Taxes and Insurance {$1200.00} - Should be the total payment. 

Wells Fargo sent me notices of {$1200.00} is in unapplied funds, we do not accept partial payments. Until {$1400.00} is paid. 

I am XXXX with a XXXX with no cure. I am on a fixed income that I feel fortunate to have, even though it 's 30 % of my previous career salary. I have made some mistake within my life, including divorce, becoming XXXX, my life fell apart. 

XXXX provided me an option to save my house. I am grateful. 

Wells Fargo has had some blemishes recently and I am willing to work them. It appears they are unwilling to work with me, as we are coming up on 1 year and I have yet to hear a response from them. 

I 'm searching or guidance, as I had an attorney recommend I file a complaint with CFPB. This is my third complaint on the same matter. Will the third time be the one that works? Or should I contact an attorney? 

Thank you and XXXX XXXX.
Medical bill is over 6 years old and was already paid. Collection company requesting payment for medical bill without disclosing the date of service for medical bill. Appears to be one that was already paid in the past. Need correct date of service and age of this bill to prove they were already paid for three years ago..
Company : Ditech Financial LLC In XXXX 2017, I made a payment of {$1300.00} electronically. See the details below. 1. Regular Mortgage payment is {$390.00}. 2. I included an extra principle payment of {$1000.00} 3. I had no pending late fees, escrow fees or other applicable fees outstanding. When I received my statement for the month of XXXX, I notice that the principle amount of {$1000.00} had been allocated to mortgage, interest, and escrow. I contacted Ditech via their website where I make payments www.ditech.com. I complained about all of the {$1000.00} not being applied toward my principle. They replied they would research the issue. In the mean time, I sent another {$500.00} via check by mail. When I check again in XX/XX/XXXX, I noticed that the payment was all applied to my principle. Then in XX/XX/XXXX, I noticed that the principal balance changed again and seemed to be missing about {$230.00} from the principal balance. I sent another complaint via their website in XXXX 2017. To date, I have not gotten a response about why my extra payments have not been applied appropriately. I would like Ditech to be investigated for the correct balance of my mortgage 's principal balance. XXXX XXXX
XXXX XXXX, Equifax or XXXX has n't updated my credit report with my new address and phone number. I want XXXX XXXX, Equifax and XXXX to update my credit report and public records with my new address and phone number which is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX. I want a statement added to my credit report. I want the statement to read the following : Before creditors issue any credit in my name, they must call and verify it with me at : XXXX
I was sued by XXXX XXXX XXXX for credit card debt. All funds in my checking/savings accounts garnished. I was solicited and brought into a binding contract with the original creditor as a minor. Credit report shows false information regarding my identity.
I am in the process of resolving all of my credit card debt. I employed XXXX XXXX XXXX to mediate the process. I make consistent monthly payments so that they can negotiate repayment of my credit card debt. On the outset, I was told XXXX XXXX do not settle debt. Therefore, I am not disputing my balance with XXXX. I am willing to pay what I owe to them. <P/>I was summons to court by Zwicker & Associates, P.C. regarding the {$3200.00} past due balance I owe XXXX. My court date was XX/XX/XXXX at XXXX XXXX. I checked in with the clerk at XXXX XXXX. By XXXX I was n't I proceeded to checkin with the clerk again and was told Zwicker entered a default judgment against me because I did not appear in court. That is a false statement. The ourselves did not call my name to discuss a resolution. <P/>The day prior to my court date, a arranged with XXXX or Zwicker collection department to make a {$300.00} payment on-demand and recurring $ 300 monthly installments via ACH through XX/XX/XXXX. The last debit from my bank account will be {$230.00} on XX/XX/XXXX ( confirmation # XXXX ). I called Zwicker & Associates office back to 1 ) inform them of the repayment arrangement and 2 ) to verify whether a court appearance would be necessary. Zwicker 's refused to verify my payment arrangement except to say they can not give legal advise. <P/>I feel deceived and harassed by Zwicker & Accociate. After the clerk tried to call the counsel to return because I was in fact in the courtroom on XX/XX/XXXX she would not return ; however she entered a default judgment against me. I received another summons to appear in court - a continued return date on Friday, XX/XX/XXXX at XXXX. Zwicker another cost of XXXX in addition to the $ XXXX monthly installment agreement between Zwicker Debt Collection staff and me on XX/XX/XXXX. <P/>I am willing to repay the debt I owe. I hired XXXX XXXX XXXX to assist me so that I can avoid numerous calls from creditors at my home. It is a huge inconvenience to me to travel miles to court and miss a half day of work because the collection agency refuse to verify and perform due diligence on this account in which I plan to pay XXXX the entire past due balance. The collection practices appears to be unfair, deceptive, misleading and abusive. Can someone help me with this matter? <P/>I attached documentation that refects Zwicker 's deceptive abusive practices along with payments they debited from my bank account {$600.00} to-date. The statement in Zwicker 1 attachment is not true. I was in the courtroom 15 minutes prior to my appointed time. The Counsel did not call for me and proceeded to file a judgment against me.
I contact Equifax about the several wrong information on my credit report. I contact them by phone to dispute the wrong information, I was ask for my social security number and I gave my number and the lady who I talk with at equifax told me that that wasn`t my social security number. and she told me that another number and I told her again that is not my number. and she made me upset by trying to make someone esle social security number be mys. I think I should know my social security number and we had some words, and I ask her to put someone esle on the phone that I can talk to. who have some sense because something was wrong with her. I talk to someone esle and I was told to fax a copy of my social security number and a copy of my ID. I fax my information to them and was told to call them back the following week. when I call back I was told that they have up dated my information on the person credit who is not me. Equifax have given creditors of that lady reports my address and phone number .one of the lady creditor call me and I told that person that is not my credit and he ask me was the last XXXX digit of her social security number was mys and I told him that we might have the same name. and that our middle name is different, our birthday is different I never lived where she lived. and that we are not the same person and I let him know if he call me again that I will sued him and that was that. but still her information is still on my credit, also I was mail the Lady statement with her name, social security number, her last mailing address and her last job and her pay amount and other information. concernuing her. I have contact Equifax several timeand I have went on their website and disputed the wrong information and gave them proof who I am and yet they refused to proved that, that is my credit. they have made my life a living hell and my life is on hold and this mess has taken my nerves on the deep end I am on medication for my nerves.
I am writing concerning an issue with credit bureaus. As a survivor of XXXX  XXXX, I have experienced some hardships that no one should experience. In this matter, the credit bureaus have aided the illegal efforts of harassment and XXXX over several years, and still insist on pridefully carrying on and abusing their power. Over the last several years, my credit has been illegally monitored by someone in the bureaus. My score fluctuates in the same range based off of what's going in my life. For instance, several days ago a young man offered to help me with a loan from his company with my current credit score ( XXXX ). That evening my score went down to XXXX after refusing a XXXX XXXX. On several occasions, the student loan servicer would report to my credit anytime a situation of this nature would occur. On several occasions in XXXX and XXXX, the harassment and XXXX reached an all time high and I became XXXX XXXX unable to function as I needed to personally and for my children. It went on in my workplace, at home, and in other areas. I disputed several incorrect items on my report, and they refused to even contact me because of certain individuals connections on the inside. I haven't received an XXXX  report in three years, and I have attempted to obtain on four different occasions. I have tried to push forward in my life financially, physically, and emotionally with these hardships. I have tried to stay positive, but the truth is I need help from authorities because it has gone too far, and cause great detriment to me as a mother and to my children. I need help in this matter because I have truly done as much as I can possibly do to pull out of this.
I sent a certified letter each credit bureau challenging the bankruptcy as incomplete/inaccurate/false information on my credit report. The bureaus didn't complete an investigation or Mark the item as disputed, as required by the fair credit reporting act.
My primary bank is FirstMerit. My branch is located in XXXX, Michigan. FirstMerit recently added an online service with which one can transfer money into one 's account from another bank without a fee. Here is the problem. FirstMerit is making egregious use, in my opinion, of the float. This week I initiated a transfer from my account at XXXX Bank in XXXX, Mississippi. I initiated the transfer, through my FirstMerit website account, on XXXX XXXX. The money was debited from XXXX on XXXX XXXX. But, FirstMerit wo n't make it available to me until XXXX XXXX. In other words, they are getting the benefit of a four day float. I do most of my financial stuff on line, and I know that FirstMerit had my money on the XXXX ( everyone else, banks, credit cards, creditors, etc. manages to do same day transactions ). so, my complaint is that FirstMerit Bank is harming me by hanging on to my money for four days without justification. I can of course provide bank statements and documents to support these assertions. And, I have now observed this pattern repeatedly, as i have been making transfers for several months now and every one follows the same pattern.
Hi I applied for a capital one credit card on XX/XX/XXXX and notice they ran Equifax and Transunion credit report. I also notice there is XXXX joint account for Capital one dated back On XX/XX/XXXX for both accounts, XXXX acct with XXXX debt and XXXX XXXX. I never had an account with capital one and never sign under a joint acct with anyone. Capital one is a crook and out to damage consumer credit. They listed Cap One Bank on XXXX inquire and Capital one Bank USA on XXXX on XX/XX/XXXX each why did they run more than XXXX credit report?
In XXXX, my husband and I purchased a motor home financed by Bank of the West in California. For six years we diligently made the {$610.00} a month payment, totaling about {$46000.00} on the {$70000.00} loan. The interest rate was very high at the time. As we increasingly felt the effect of the XX/XX/2008 crisis and we lost a lot of income, we could no longer afford those payments. We prevailed on Bank of the West to refinance our loan. They told us they would not even consider it because we were current in our payments -- we needed to be at least 90 days in arrears. So we let our payments lapse and used the money to make other financial obligations. Then they said they would not refinance the loan : bottom line they repossessed our motor home. They sold it at auction for {$20000.00} despite the fact that we had found a buyer for {$30000.00} who they refused to consider. Then they told us we owed them {$50000.00}. They would n't even take into consideration the money already paid over a six year period. They set us up on a payment plan of {$150.00} a month. Fast forward three years : we have been making payments religiously, and have paid down {$5000.00}, but they report us to the credit bureaus ( I have written XXXX, XXXX and XXXX but I have not heard anything ) as though we are always 30 days late when we are not. 
As time has gone on, our fixed income Social Security has not gone up, but everything else has. Our payments on our medical supplements have increased substantially, along with taxes, insurance and life insurance premiums. Utility bills are continuing to rise, and we can no longer afford the mortgage payments on our house. We can not refinance our house because of the bad credit report from Bank of the West, and now two other things are happening as a result of Bank of the West : 1 ) Our homeowners insurance is going to double XX/XX/XXXX {$1300.00} because we no longer have an XXXX credit rating, and 2 ) XXXX XXXX is going to close our credit cards despite the fact that we have never abused them, which will hurt our credit even further. We are in our XXXX, and within a few months will be in danger of losing our house. I called Bank of the West and asked if they would consider a lower than {$150.00} a month asset recovery payment -- they said they would not. I asked them if they would please report our credit in a better way to let creditors know that we are paying on time and they said they " have the right to report our credit any way they want to. '' This repossession is the only " bad '' mark we have ever had on our credit in all our adult life. We are at wits end as to what to do. Bank of the West says they will take everything we have. Bankruptcy is n't an option to us. Please help.
Unauthorized charges were made to the card and the XXXX XXXX refused to reverse the charges stating there was inconsistencies with my application form I sent them.
this person act like they work for federal government pirvate grant foundations and they said to send them {$500.00} and they will send me XXXX grant check I do n't have to pay it back 100 % federal government guarsntee they stole a photo picture of her and they said that she was one of they beneficiary that won {$50000.00} federal government grantthey told me to be honest with them to get help.this is the number that they are text me XXXX XXXX XXXX XXXX XXXX locate the number XXXX, va
My complaint is with the Credit Bureau XXXX, Experian and XXXX. There is a collection company called XXXX XXXX XXXX XXXX that was moved off my credit report last year with the same account and same balances that the company did not provide or have validation for. They were trying to collect on an account that was suppose to be sent to Medicaid because I am XXXX and receive medicaid. This company was removed last year and it is illegal for the credit bureaus to put this back on my report. I don't know if it's a miss up due to the XXXX breech, but this needs to be investigated and removed. Or I will seek legal counsel.
XX/XX/XXXX Re : Experian Credit Reporting address : XXXX XXXX XXXX, XXXX TX XXXX Good day. my name is XXXX XXXX XXXX and I writing this from XXXX, CA. I want to report bad business practices/Scamming business practices involving from Experian as of the XX/XX/XXXX. On XX/XX/XXXX I went to access my credit report and FICO score from Experian.com. for {$19.00}. I first used an ATM Debt Card and then A credit card. They were both denied apparently because of a security issue that I did n't know about. Currently there is a pending charge of {$19.00} on my visa card which has been cancelled.Because I felt that Experian in the past was a reliable credit reporting agency I gave them the benefit of the doubt and allowed them to reset the User Profile and tried to reorder another credit report and score for {$19.00} After 24 hours I did log back in with a new username, Password and entered new payment information. I did manage to obtain a credit report and score for {$19.00} but had to be careful on clicking on the wrong hyperlinks in order to get charged for a product ( s ) that I did not want. As of now there is a pending charge of {$19.00} on my other visa credit card and that 's it. Then I spoke to a XXXX from Customer Service. I asked where is the invoice for the purchase for the {$19.00} that I had purchased today? which you would normally get from your email from the reporting agency? The answer he gave me is that I did not enroll in a recurring subscription plan I found this to be very suspicious because any time you make a purchase on the internet I believe by law the merchant is required to furnish you a receipt and no exceptions. XXXX furthermore said that because I am enrolled in freecreditreport.com I am entitled to a free credit report every 30 days but would have to log into XXXX to obtain. I never did enroll in this program and feel that Experian used my personal information to enroll me into a program that I did n't authorize. Furthermore in investigating this I found that this is not true. When you log into this website, without a terms of agreement, you automatically are enrolled in a credit monitoring service for {$39.00} monthly until you cancel. Furthermore if you cancel in the middle of the month you are not refunded any monies but charged out {$39.00} for that month and these monies are NON REFUNDABLE. I am very upset how Experian has been transformed over the last 2 years. I did write a letter to their corporate address and filed a major complaint and initially did ask for a reset user link when I was having difficulties setting up a new account. I also am in the process of forwarding my complaint to the following agencies : BBB of XXXX XXXX Texas**, Attorney general of XXXX XXXX Texas** and finally this agency the CFPB and need this information to be passed to other consumers so that they can avoid Experian altogether. I was going to get charge backs on all the purchases from XX/XX/XXXX according to customer service. ** Always get a Terms of agreement when getting a credit tool, and a receipt when purchasing a credit report/score for sure. **
Have contacted Navient since XX/XX/19 to request form be endorsed for EDRP for my XXXX employer to repay my student loans. Receieve only automated correspondance via email. Have uploaded form twice. Was then told to call us dept of education who after calling and emailing with them referred me back to navient. Also, navient has made me fill out the income based repayment plan app in XXXX and again in XXXX.
I started a loan with Capital One Auto Financing in XX/XX/XXXX. My loan payment amount is {$580.00} due monthly on the XXXX of each month. From my very first payment to now I 've paid {$600.00} on the XXXX of every month. I called cap one in XX/XX/XXXX to find out my payoff and learned I still had almost XXXX left to pay my car off. I then decided to make 2 payments a month to hurry up and pay off loan. After two months of making {$1200.00} additional payment I called and ask for new pay off. Then I learned the additional monies had not been credited as explained by customer service assoc. I then called XX/XX/XXXX and requested the additional payment scheduled for drafting the XXXX of each month be cancelled, CONTINUING MY PREVIOUSLY SCHEDULED DRAFTS WHICH IS THE XXXX OF EACH MONTH. They said ok, They didnt draft the additional payment in XX/XX/XXXX but resumed the addt'l payment in XX/XX/XXXX. I called and told them I had requested that it be stopped in XX/XX/XXXX and requested a refund for the XX/XX/XXXX payment. That 's when they told me I would be delinquent. I asked how when for 4yrs I had been making my payment the XXXX of each month never late, why when I request that my original request for the additional be stopped Im late. They said it 's theway funds had been distributed. I have included attach to verify I have never missed a payment I pay ahead of time along with an additional few dollars. I have been receiving threating calls. The lastest one was yesterday threating to repossess my vehicle unless I make good of my loan. My loan is good I am required to make a {$580.00} payment each month not {$1200.00} My loan acct # is XXXX
I have a hard inquiry on my report from XXXX on XX/2015 that I do not recognize nor did I authorize.