WillisBack/dataset-financial-user-claim huggingface dataset:
I spoke with XXXX XXXX, from Wells Fargo who was very helpful and suggested I called the estate department. My parents are dead, I inherited the home via a transfer on death dead, and I live in the home and pay the mortgage. Until yesterday Wells Fargo would not give me any information about the loan. I understand the need for consumer privacy but the failure to respond to a legitimate mortgage servicing issue is unreal. 
At the assumption department the customer service department told me that I would have to credit qualify for the loan. I explained to them that I thought that was not accurate since I inherited the home. I spoke with a Supervisor, XXXX XXXX, who explained that she had worked in the department for 14 years and because of the CFPB rules and the Dodd Frank Act I needed to credit qualify. I explained that I had sent in death certificates and the deed and that I should be able to assume the loan under operation of law. I asked her to give me the specific rule that said I needed to credit qualify. I explained that I do n't want to pay on a mortgage for 25 years without being able to take the tax deduction. I think she is incorrect under the Garn St. Germain Act and she refused to mail me an assumption package, she explained that Wells Fargo does n't do that any more. I have been trying to get an assumption package and information about the loan since my fathers death. I think its wrong for Well Fargo to give false and misleading information to their customers and then blame the CFPB for the rule making. This loan originated before the CFPB rules. This is unfair and deceptive and likely happening to hundreds of consumers.
I have been Paying Asset Acceptance , LLC due to a court mediated order since XXXX of 2013. After 6 months they tried to make like I was n't making payments because they wanted them sent somewhere other than court order. Now I find that the checks I am sending are being cashed by XXXX bank and not going to Asset acceptance account.making out like I am not paying. I have been sending these checks the same way for over two years. XXXX has nothing to do with this and I have not been notified of anychange. XXXX will not talk to me nor give me what I have paid since court order. XXXX has Posted checks into XXXX seperate accounts. XXXX is for a XXXX bank that I do n't have any idea what this is, but fraudulently is nothing to do with the court case with asset. I will file a seperate case against them.
On XXXX XXXX I went on-line to my statement to see if my bills had been paid, but then I see that some transaction was on there that I did n't make. I then contact XXXX American Express company to inform them about the matter. He told me that if I see any more transaction that I did not make to contact them back. I went on-line the next day and found XXXX more transactions from XXXX XXXX that I did not authorized and another XXXX from XXXX, but when I went back to the website my account had been closed. I called the bank and ask what was going on and they said that they had suspended my account due fact that I had broke one of their terms. I did n't understand what they was talking about and they said that I was one that made the transactions. XXXX XXXX was XXXX of the transaction on my account that I did not approved and then I called XXXX XXXX to find out who might have purchased the ticket that was on my account and they told me that it was not me plus they where going to admittedly start an investigation on the transaction that was done in my name then take legal action. After that I call Serve back to let them know that information that they had given me was wrong. They told me that XXXX XXXX told them that I made the transaction of buying a ticket to see a concert and to me that they was saying that I committed fraud. They kept saying that I was the one that had made the transaction which was not true. The next day I went to my police department In XXXX Ma. and file for identity theft. I immediately faxed over my papers. They told in about one week my case should be settled but it was n't. Then they told by the following Thursday it would be done once again not finished. I got tried and threaten them that I was going to bank commissioner and I have n't heard from them since. That is why I 'm filing a complaint. My bill are all over the place I ca n't pay my rent because the social security was sent to my the old account.and now I have to wait for social security to get it back. Then send it to my new account which I 'm still wait for its card because of all business with XXXX and American Express. I have my credit card companies calling for payment and now I have late fees add on top of that. XXXX and American Express have made my life a living XXXX!!
I have reached out to XXXX who has responded, however XXXX, XXXX and Transunion still reports fraudulent inquiries from a XXXX account that someone fraudulently attempted to use with my social security number. I still show the following inquiries on my credit report.
Someone used my atm card to withdraw funds without my permission. I went to the bank and requested a copy of the recording so I an see who was withdrawing the funds they said it would take 10 business days. I waited the 10 business days. and went to the bank and they clearly showed me a picture of some young women withdrawing funds from my account. It clearly was not me. They filed a claim which took 15 days. The claims department denied the claim because she had my atm pin number. I have no idea how she got it but according to them it had to be someone who spent the night at my home and must 've gotten the information when I went to sleep. My husband and I both senior citizens and that never happened and we do n't have security cameras in our little apartment so for them to make that assumption was ridiculous they are refusing to answer the claim, I asked for a copy of the picture so I can take it to the police, apparently is not company policy for them to give me a picture of the thief. I am on XXXX and have had to borrower money to meet my bills the transactions are as follows XXXX-2017for XXXX, XXXX again XXXX twice and XXXX for the third time XXXX XXXX and XXXX XXXX for the 2nd time XXXX XXXX Please see attached bank statement maybe they could give you a copy of the picture that shows the woman who stole my money was no more than XXXX years old. Please help me retrieve my funds as bank of America is being unreasonable.
Equifax security breach. Equifax failed to properly protect my private data, causing sensitive information to be shared with unapproved parties, potentially leading to identity theft. ( This issue also affects my spouse. )
My husband and I have a Home Equity Loan with PNCBank.

The interest rate is a FIXED Rate at 2.89 %. I went online yesterday to our account.

After doing some online bill paying, I opened up our Home Equity Loan account.

I clicked on the tab : Payment Details to see the amounts we paid in interest for the year XXXX for our taxes. I noticed something really strange. The amounts that we paid in interest and the amounts that we paid in principle didn't seem right. They were going up and down up and down. That shouldn't be with a fixed rate. I contacted PNC Bank to find out why this was happening. I spoke with 8 different people. They kept transferring me to someone else. Something is going on and it's NOT right. Please help us. I have printed out the proof dating back to XX/XX/XXXX up to XX/XX/XXXX. Maybe you'll be able to get to the bottom of this. We are not able to. 
Thank you for your time. 
Sincerely, XXXX XXXX XXXX
AUDIT SYSTEMS INC   XXXX   XXXX   XXXX   XXXX , FL  XXXX   XXXX   XXXX   XXXX  posted to a credit reporting agency without prior notice of right to dispute or pay. In fact The only way I found out there was a possible collection account open was when I received notice from my credit monitoring service of negative posting to my record. This to ok a credit score fr om over  XXXX  to under  XXXX  irreparably damaging my ability to refinance my home. Additionally the telephone number is not functional 50 % of the time therefor they are providing inaccurate contact information.
OK so I have file to complain and try to get paperwork seeing where I supposedly applied for some kind of XXXX thing Im asking again for documentation with my signature on it that I have signed to apply for this I have never even been to this company or seen this company
I am not satisfied with the response : re-open XXXX YOUR COMPLAINT I am writing to request an investigation be done on Wells Fargo Bank. It is my confirmed belief that I have been victimized financially by unethical banking practice contrary to consumer protection laws and electronic account manipulation. I opened account XXXX/XXXX/XXXX for sole purpose of paying my mortgage and mortgage related escrow only. Wells illegally crosslinked my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account to this Wells checking account without my knowledge or consent to generate enormous fees for themselves and cause my XXXX XXXX XXXX account to be closed. I had never authorized the Wells checking account to be linked with XXXX neither to Wells or XXXX At that time I was utilizing my XXXX checking account with my XXXX  XXXX XXXX. I had discovered the problem between XXXX XXXX, XXXX and XXXX XXXX, XXXX while making a small purchase at XXXX with my XXXX card. The cashier informed me my XXXX card was declined because of insufficient funds to my complete surprise. The date of this illegal crosslinking according to the XXXX  representative I spoke to from their corporate headquarters was on XXXX XXXX, XXXX at XXXX The result of this action by Wells generated fees in the amount of {$530.00} and nine letters being sent in one day to my address. I believe this also had an adverse effect on my escrow account, another deliberate attempt on the part of Wells to disrupt my mortgage with them.
I submitted a dispute letter to Experian dated XXXX/XXXX/15. I then received a reply from them dated XXXX/XXXX/15 stating that they think my letter is " suspicious '' and is coming from a XXXX party. I am disputing this account on my own, and even signed the letter and sent it certified mail.
This is according to my XXXX credit report. A company named XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX has placed an account on my credit report from a XXXX account that I have already disputed as not mine to begin with. In addition, they have illegally re-aged the account so that it appears as if it was opened XX/XX/XXXX The  original dispute is from XX/XX/XXXX in which XXXX removed the account after discovering that I did n't have an account in the first place. I never lived nor do I know anyone that ever lived at the address where I supposedly had this service. 

I have an issue with XXXX and XXXX XXXX XXXX not listening and furthermore not following FCRA guidelines. I have attempted to resolve this issue with both parties and I 'm not making any progress. 

XXXX has continuously kept false and inaccurate information on my credit file. There are several addresses that I have not lived, inaccurate amount on some accounts, accounts that are not mine and accounts that have been re-aged. 

XXXX XXXX XXXX has apparently purchased an old debt that is also not mine and XXXX is not providing the correct information to the company they sold the debt to. 

This is RIDICULOUS and I can not afford an attorney to resolve this issue. 

Please help.
For the past several months, I have been disputing several inaccuracies that are listed in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Experian Account Name : XXXX Account Number : XXXX look like this account I not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply
In  XXXX , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by  XXXX . As stated in prior complaints this company is very deceptive, I have been notified by  XXXX  credit reporting agencies that my payments for the three months for forbearance are now being reported as 90 days late. This has tremendously brought down m y credit score. I sp oke with the Ombudsman from  XXXX  who assured me, as well as apologized  XXXX  times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  XXXX  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from  XXXX   XXXX  and the undue  XXXX  of their practices is wearing on me. I think  XXXX  needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.
I accidentally mistaken PayPal Credit for PayPal Balance. I switched to a new computer thinking that I was verifying my computer and not knowing I was actually applying for credit application. The application process is so deceptive and I could not make a difference between applying and sign in. This easy process should not be allowed since most of the time when applying for credits, I was asked with XXXX questions about my credit reports. 

I was so surprised because usually " my default payment '' has always been PayPal Balance and not applying for credits. I accidentally applied exactly 25 minutes ago prior to submit this complain. 

This practice should NOT be allowed. Applying credit should not be this easy by just providing your birthday and last XXXX digits of SSN. My personal information was originally intended for PayPal account verification and should not be a shortcut to apply for credit.
My mortgage just changed from Interest only to Principal and Interest.I called the company and told them that XXXX will be hard for me to pay.The payment is not due till the XX/XX/XXXX of the month.

Ever since I called them and asked them for a loan modification they call me every other day asking when I will pay.I told them I will pay by the XX/XX/XXXX.This never happened before.I will pay by the XX/XX/XXXX why do they have to call me so often and harass me.This is bullying by the mortgage company I spoke to XXXX agent XXXX totay XX/XX/XXXX, she harassed me today
Equifax caused a breach to my sensitive personal information and failed to notify me in a timely manner. This has lead to a huge headache of contacting credit agencies, freezing cards, and managing my finances.
I got behind on my payments after being on time for 15 years. I made my last payment of XXXX in XXXX and XXXX turned it over to Rushmore. With them I filed a loss mitigation form and was accepted. They put my deceased mother on the contract so had to send a death certificate. I received a letter in XXXX saying they received it and then 3 weeks later received a letter saying it was filed. They were suppose to send a new package but still have n't received it and no one can give me an answer when I call. I feel like they are avoiding me, I do n't want to lose my house. I 've called XXXX XXXX who is over the loss mitigation department and is handling my account but she only returned my call one time during my work hrs so I called back and left my cell phone number and she still have n't called me back.
Since XX/XX/XXXX we have been trying to correct an error in our credit history in reported by the credit bureau. The error continues to this date. In response to our claim the bank send us a letter indicating that error was corrected in their system and that credit bureau was notified ( See Exhibit XXXX ). After several a couple of months of monitoring our credit report we contacted the bank to inform them that correction has not been made. The bank indicated that they did what they were required to do and that the problem is with the credit bureau which has not made the correction. They suggested that we contact the credit bureau and ask for a correction. We contacted the credit bureau but never received a response. 
Attached is evidence that that payment was made and debited our account at XXXX XXXX XXXX on XXXX XXXX, XXXX. 
We appreciate your help in getting the credit bureau to correct the record. We would appreciate a notification of the correction made.
Navient purchased my student loans from XXXX on XX/XX/2016 ( according to them via phone today at XXXX ). I received correspondence from Navient in XXXX regarding this change & called them to remit my payment. Not only did I make my XXXX payment on time ( prior to XX/XX/XXXX ) but I also paid XXXX during this same initial phone call. Today, I receive a letter from Navient advising that my account is past due since I did n't make my XXXX payment. I immediately call in and the representative tells me I never paid XXXX. I candidly went through the timeline with her ( XXXX Agent # XXXX ) and had her confirm that it is impossible for Navient to imply they notified me in XXXX to send my XX/XX/XXXX payment to them since they actually acquired my loan on XX/XX/XXXX. She verified that I had in fact called in XXXX and made 2 payments immediately. I explained that I did this proactively since the initial rep explained that I would need to set up an online account with Navient for future payments. Since I had never used their system, I went ahead and made the XXXX payment to avoid any issues. I am most upset at the deceptive practice of reporting my account late to the credit bureaus when in fact I contacted Navient and remitted payment not only for XXXX but also XXXX. I think it is also important to note that for the entire time XXXX held my account, I was only late once when I was in between jobs. Other than that, I always paid in advance of my due date. I do n't know the laws regarding account acquisition but I would have to imagine there is some sort of grace period put in place to allow for the transition of accounts. This absolutely ridiculous to me that my account is being reflected as negative.
I received an email on XX/XX/XXXX stating that ACS/Conduent would no longer be servicing my loan as of XX/XX/XXXX. That is informing me without prior notice at all. I have not been able to log in to their site to check if my last payment was received nor have I been contacted by any other company to service my loan. We are XX/XX/XXXX I do not want some miscommunication affecting my credit.
For the second time this year, my Capital One credit card has been compromised by a breach in a merchant system. In the first instance, I asked if Capital One could give me additional information for my own protection, as I would like to make a decision about whether and how I continue to do business with a merchant with potential security issues. They refused, citing an " ongoing investigation. '' Due to the circumstances, I was able to determine the merchant on my own ( family and friends ' cards were compromised as well ), and I was eventually notified by the merchant. I never received additional information from Capital One. This same problem has happened again, and while I realize there may be extenuating circumstances that need to be sorted out, I believe it 's a consumer 's right to know the identity of a company whose security was breached, potentially impacting their personal and financial information. Capital One informed me today that it is the merchant 's decision whether or not to make the information public and notify customers. What are my rights as a consumer in this circumstance?
I am more than certain that my ex-spouse has used my ss # without my consent. We have been divorced since 2006. I really don not know what type of loan this is, but I have never inquired to this entity.
Dear Sir I wish to complain about my escrow account from XXXX and XXXX which was reported from Wells Fargo a {$7200.00} shortage. 
When I first learned of this issue this year, I immediately contacted Wells Fargo on XX/XX/XXXX, and was told that they would start investigating my escrow account from the past two years. I paid last years shortage, but when this year was short as well a red flag went up. However, now we are approaching XX/XX/XXXX with no progress resolving the issue. My mortgage has a {$500.00} increase with the new calculation from Wells Fargo. I am looking forward to your assistance in this matter. 

Sincerely, XXXX
Choice Recovery   XXXX  , viola ted chapter (  11  ) of the Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT, as amended by Public Law  1  11-203, title X, 124 Stat. 2092 ( 2010 ) Choice Recovery   XXXX , willfully violate d Chapter ( 11 ) The failure to disclose in the initial written   communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector.      Choice Recovery   XXXX , willfully violated Chapter ( 11 ) bypassing this federal act by reporting the alleged debt from  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  to the Credit Reporting Agencies They are civil for damages for their violatio n 813.  Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- (  1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A  ) in the case of any action by an individual, such additional damages as the cou rt may al low, but not exceeding {$1000.00} ; I was advised by the credit bureau that they placed the account for collection and in turn I sent them the cease desist letter.
I was recently shocked to learn that my credit card had been terminated due to either " recent delinquency, '' or a " public record reported '' by a credit bureau. This prompted me to access my credit report through Experian, at which time I discovered that my federal Perkins loan was in default after having been sent to collections. I had never, in any way, been contacted by my lending company, ( Campus Partners, now Hartland ECSI ) - meaning, I never received a Notice of Intent to Offset ( a written notice of the type and amount of the debt when a loan is delinquent ). This notice is guaranteed to me through my rights as a debtor and is described in the Federal Register, under 31 U.S.C. 3716 ( Document Citation - 78 FR 41677 ). Additionally, I never received monthly billing notices regarding this debt. Neither the collector ( XXXX XXXX , XXXX ), lending company, nor educational institution ( XXXX XXXX ) has been capable of telling me the amount that I owe. As I understand it, according to the Policy Direction Memo on Federal Student Loan Servicing from the XXXX Department of Education, this information, along with my Notice of Intent and monthly billing notices, are assets I can reasonably expect within this situation, and yet they have not been afforded to me. 

However, this is not merely or primarily an issue of default, as I am fortunate enough to be in a position to pay off the loan in full ( and have been since the loan fell under repayment ). The real problem has been the damage done to my credit report. I am reluctant to simply pay the debt in total because that might mean forfeiting the possibility of expunging my record of the loan 's default and collection status. Had I received any communication at all - written, electronic, or even a phone call - this loan would never have been sent to a collector or placed into default status. I fear what might have happened had I not been prompted to look into the situation further after my line of credit had been terminated. My hope is that I may pay the loan off in full as quickly as possible and have my credit report restored to its previous condition.