WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a home equity mortgage with Wells Fargo Mortgage in XXXX. I have had this repeated issue whenever I pay my bill past the XXXX of the month, but always before the end of the month. They charge a late fee of {$13.00}. They repeatedly have not applied my late fee and keep saying that I owe it. They are putting the monies toward the principal balance. Today after talking to XXXX XXXX at XXXX about the matter he transferred me to XXXX XXXX at XXXX He said as a courtesy he could apply one late fee amount to the unapplied late fees. They now have me down for two late fees. He said they can not do that without further research. I said if brought in my receipts ( because I pay them at the bank due to other issues I 've had with them in the past that I reported when they said they did not receipt payment by mail or online ). He said that actually it is to my benefit to have the late fee go towards the principal because it will reduce the interest. I explained to him I have already paid off a mortgage on this home early and I am aware of how mortgage amortization works. I have also dealt with shady mortgage companies who tried this same trick of saying one was behind due to not applying late fees. I 've owned my home since I was in my XXXX 's in the XXXX 's so you can imagine that I 've seen the patterns before living in a city where predatory lending virtually began. 
So, I am going in to the bank with my payment receipts from the last few months to attempt to rectify this matter today. XXXX XXXX gave me his direct number and fax line. Hopefully this can be taken care of. 
I am complaining because this has been a continuous problem this year. My last calls in the spring rectified the problem at that time. Now just a couple of months later they are doing the same thing. I am sure if this is happening to me it might be happening to others. I trust you will investigate this Wells Fargo practice that I believe violates the Fair Debt Collection Act.
According to Transunion, XXXX XXXX XXXX  XXXX XXXX, TX did 4 HARD inquirys in less than 2 weeks. They did 3 in less than a week. This is obviously not correct. In fact, when I was getting approval for the auto loans I specifically ask and they specifically told me they would only have to do ONE hard inquiry. Plse help in this matter. 

Hard inquiry 1 XX/XX/XXXXHard inquiry 2 XX/XX/XXXX Hard inquiry 3XX/XX/XXXXHard inquiry 4XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On XXXX XXXX, XXXX my mailman knocked on my door and when I opened the door he gave me a piece of mail that was intended for my next door neighbor at XXXX XXXX XXXX XXXX. The mailman knew me personally and even though the address on the correspondence had the wrong address, it had my name on it. My address is XXXX XXXX XXXX XXXX. When I opened the letter it was an " Intent to Foreclose '' from the Law Office of XXXX XXXX XXXX, XXXX. on behalf of a XXXX XXXX XXXX XXXX. Had the mailman not delivered this piece of mail to me I would never had known 1 ) that this mortgage was being held by another company other than XXXX XXXX 2 ) that my house was in foreclosure and I could have actually lost my house without even being aware of this. 

This was the XXXX time that I had received any communication in regards to this mortgage in over 5 years. The mortgage was originally a second lien held by XXXX XXXX XXXX ( formally XXXX XXXX XXXX ). In XXXX XXXX, the XXXX mortgage was modified by XXXX XXXX Bank and we were told that the XXXX lien had been extinguished. We have been making payments on the XXXX mortgage to XXXX XXXX Bank since XXXX XXXX on a regular basis. Since we did not receive any correspondence in regards to the XXXX lien, we were shocked when we received this letter. Upon further research we learned that this XXXX lien had been sold several times over the five year period ( see attached ) and we were not notified at any time of any of these transfers which is in direct violation of 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow account - specifically Notice by transferee of loan servicing at time of transfer ( 1 ) Notice requirement Each transferee servicer to whom the servicing of any federally related mortgage loan is assigned, sold, or transferred shall notify the borrower of any such assignment, sale, or transfer. 

Because of the failure to comply with the provisions of this law we would therefore request that you investigate have each entity that was involved with the transfer of my loan to provide the servicing transfer letters that were sent to me including my signature of any RETURN RECEIPT REQUESTED certified mail that was sent to me. 

I am attaching copies of the recorded assignments that I was able to find in public records to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that I was never notified about.
I have a annual fee card with citi and tried calling them to convert it to a no fee card. After being transferred 3 times and spending over an hour the agent tells me that I need to call credit bureau and update my phone number there. 

Horrible customer service who has absolutely no clue.
I went into First Virginia loans in an attempt to get a loan for about {$600.00} to get my A/C fixed during the hot summer months. I am a diabetic and extreme heat makes me feel very sick. My A/C wasnt working at all. They talked me into getting a larger loan and said that it would be paid off until 8 months but I had flexibility with the payments, but I dont. I have been paying {$850.00} per month for almost 2 years to try to pay this off because the interest rate is 150 %. I am NEVER going to be able to pay this off. I feel as though I am trapped and with my medical expenses for my XXXX and XXXX I feel I am stuck. I called the store to get help but they told me that I needed to call corporate, but corporate said that they cant help me because I am not in default. That 's is insane because I am trying to keep from getting into default. This is predatory lending at its finest! Once you borrow the money, you have to re-borrow forever just the be able to pay your normal expenses because of the unrealistic interest rate and monthly payments. This should be against the law. This is trapping consumers in a downward spiral.
I am currently with Navient student loans. I re-consolidated my student loans with them with a total of XXXX XX/XX/XXXX. I have contacted them about payment options that would be available to me since then multiple times. They constantly tell me that the payment option that I currently have would be the only option for me. Then they have put my account of forbearance a few times. Now it is XX/XX/XXXX my balance is {$31000.00}. I just made a payment of {$170.00} and my payoff balance has went up not down. I am making a monthly payment but it is not helping me at all. My balance keeps increasing with every payment that I make. They have me set to pay off my total in XX/XX/XXXX with paying XXXX every month at that time. 
Every time that I call them I am told that I am on the only payment option available to me and that if I can not make my payments the only option I am given is forbearance. I have not been late except when trying to find options from them. 
Now at this time the interest payments for my account is XXXX but my monthly payment is XXXX so I am leaving XXXX every month that keeps adding to my total. I am NOT making a difference now.
I have asked them to stop calling me and they call me all day and more than XXXX times an hour
I paid off my loan with KIA Motors XXXX in XXXX 2016. After repeated phone calls, and their promising to get back to me, and my sending a letter to them, I have yet to get any sort of response or update on getting my car title. Without a title I can not sell or trade in my car, and not sure how that will impact me renewing my license plates. This is very frustrating.
Bridgecrest is reporting a auto loan that I 'm not responsible for. I have disputed and sent paperwork with explanation.Please help me resolve this matter quickly.
XX/XX/XXXX I purchased my current private residence and originally had XXXX mortgages ( first + second XXXX ) with " XXXX XXXX '' XX/XX/XXXX. 1st was for {$480000.00}, 2nd for {$120000.00} Within 1 year the 2nd mortgage was transferred to another lender and then both mortgages ended up with XXXX XXXX XXXX around XX/XX/XXXX. We had XXXX loans with XXXX at that point, a 1st and a 2nd. I still have the papers and XXXX loan numbers. 

XX/XX/XXXX my husband and I filed for chXXXX with the help of XXXX XXXX XXXX, discharged XX/XX/XXXX. We had stopped paying the 2nd XXXX mortgage around XX/XX/XXXX. We learned from XXXX that they charged off the 2nd mortgage. After the XXXX discharge we never heard about the 2nd mortgage again, no correspondence whatsoever. 

On XX/XX/XXXX we received a letter from a company called " Dyck O'Neal '' claiming possession of a lien against our property. 

On XX/XX/XXXX XXXX XXXX XXXX sent a " Qualified Written Request '' to Dyck O'Neal on our behalf. Until today there is no response. 

On XX/XX/XXXX my husband went to the XXXX recorder 's office to search our property 's records. He found out the following : 1. A record recorded with XXXX recorder on XX/XX/XXXX showing that in XX/XX/XXXX a transfer of 2nd mortgage from lender " XXXX XXXX '' to a company called " XXXX XXXX XXXX '' in Texas took place. These documents were recorded with the LA recorder 's office 2 months after XXXX XXXX XXXX had sent them the " Qualified Written Request '' Dyck O'Neal never responded to. 
Besides, to our knowledge XXXX XXXX could not have transferred this 2nd mortgage as the original 2nd had been moved to XXXX other lenders and it ended up with XXXX before our chXXXX filings in XX/XX/XXXX. 

2. Another record dated and recorded with XXXX recorder on XXXX/XXXX/XXXX showing a transfer of this same 2nd mortgage from " XXXX XXXX XXXX '' to " Dyck O'Neal, Inc. '' dated XX/XX/XXXX. 

On XX/XX/XXXX I received another letter from Dyck O'Neal similar to the letter they had sent in XX/XX/XXXX, claiming possession of a lien against our property. Again no response to the Qualified Written Request my attorney had sent in XX/XX/XXXX.
I filed an injury report with my employer in XX/XX/2011, resulting from improper working conditions, and was ordered to undergo an examination by the employer by the employer 's chosen doctor, XXXX. Under Illinois law, the employer, XXXX was required to pay for the examination. 

Later, after a workman 's compensation complaint was denied by my employer 's insurance, the employer refused to pay for the examination. 

XXXX then demanded that I pay for the examination. I told them I did n't owe it. I told them to submit it to my medical insurance, XXXX, if they insisted the debt was valid, but, since I did n't legally owe the debt, they refused to submit it to the State of Illinois since it would be a crime for them to do so. 

They turned the debt over to a collection agency, ATG Credit, XXXX, XXXX IL XXXX. I disputed the debt in writing, but ATG Credit has never provided me with proof of the validity of the debt. 

ATG Credit continues to report it as an unpaid debt. They have refused to remove it from my credit report.
Transworld Systems Inc. mailed me a stack of supposed medical bills for services provided to my late wife. In an effort to hinder my efforts to resolve the matter they put an incorrect contact phone number on their notice. Their notice fails to provide even the most basic information to allow me to identify what service they say money is owed for. They just say i owe the money because they say so. On XXXX/XXXX/16 when I called they refused to tell me or send me any information because they claim they already sent it by guaranteed mail but refused to even answer the question about who 's signature was on their supposed guaranteed mail. I feel it is reasonable to assume that their claim of sending via guaranteed mail was a blatant lie based on their failure to even acknowledge that I asked who signed for their guaranteed mail. Finally, they repeatedly tried to interrupt me while I was in the middle of a sentence and then hung up on me because they claimed that I was talking over him.
I have defaulted on my XXXX XXXX ( XXXX XXXX ) credit card. These folks call incessantly everyday. They have called several family members numerous times, even after I asked them to stop. The most recent incident was today. My sister called me and she was frantic. She stated that XXXX had called her and left a voicemail stating that they had an urgent financial issue to discuss with me and that they better hear back from me by XXXX today or they would be forced to escalate my account.
Diversified Consultants, account no.XXXX is appearing wrongfully on my XXXX , XXXX AND XXXX credit reports.They are collectors for XXXX , a phone company.They Diversified Consultants seem to be a '' branch office '' of XXXX.They are the second collector for the same XXXX Debt .XXXX XXXX XXXX, XXXX XXXX XXXX, account no.XXXX, also seeming to be a " branch office '' of XXXX was deleted over 6 months ago for the same following reasons listed here.I have included the debt validation letter of the first collector for XXXX.They list an email address connected to XXXX as XXXX.I have never had this email and don't know who it is. 
I have never owned a XXXX phone, never had XXXX service and obviously never had a XXXX phone number to make a call from.I am a moving company owner and my phone is the most important tool of my business.In my area XXXX is the cheapest service but does not function well at all.Everyone that has lived here for a long time knows this, so I wouldn't have XXXX anything, no matter the cost. 
The collector is damaging my credit severely, which is also a tool of my trade.
On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and Experian pertaining to a credit card with XXXX XXXX Bank acct # ending in XXXX for the date of last activity, payment history, status * and the dispute was returned verified. 

After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to XXXX, Experian and XXXX may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XXXX XXXX, 2009 ), this Notice includes
XXXX in XXXX XXXX, NV sent bill statements to my previous address where I used to live 6 years ago. I was n't aware until few days ago when I found a misplaced envelope which was from a collection agency ( Armada ) stating that they were hired by the XXXX company to collect a debt. The last time I visited the dentist was on XXXX 2015, about 5 years after I moved to my new address and as normal procedure they gave me a form to update all my personal and insurance information, they were provided with the update but apparently they never updated it in their system and there is why they sent bills to the wrong address. Today I asked them for a copy of the bill and it has the wrong address still. I talked to the managers and they told me there is nothing they can do, that I needed to handle it directly with the collection agency, but I do n't think this is fair because I was n't aware, they made the mistake and because of them I am getting wrong information on my credit report. At the time of my treatment I paid XXXX plus I used to have XXXX insurances, so I thought everything was covered and since I never received any bill statements I did n't know I was still owe some money. Please assist me in resolving this matter. I do n't think I have to be published by other 's mistakes. Thanks.
More than 10 years ago, I had XXXX student loans through XXXX. The XXXX loans were consolidated and completely paid off ; however, XXXX reports that XXXX payment was not made back in 1993. The XXXX XXXX accounts were consolidated and I was only supposed to make XXXX payment on all XXXX accounts. I am astonished that the account is still being reported negatively even though the XXXX accounts were completly paid off as XXXX account. 

XXXX XXXX
XXXX XXXX is failing or refusing to complete action on my employer certification for Public Service Loan Forgiveness. When I transferred by loan to XXXX last autumn I had completed 109 qualifying monthly payments under the Public Service Loan Forgiveness ( PSLF ) program through XX/XX/XXXX. When my loan completed its transfer from my prior lender to XXXX in XX/XX/XXXX, after several months of administratively setting up and transferring the file, XXXX 's loan detail for my account showed only 62 qualifying months under PSLF. I had the same job with the same XXXX XXXX employer for the entire 109 months that were reported by my employer. I contacted XXXX  by phone. They said that they have 120 days according to their own deadlines to count my qualifying payments. I was told that I was not being denied any credit for qualifying months but that they just hadn't finished counting. Since that time I have called almost monthly to check on the status of the counting of my qualifying months. I have been told the same thing repeatedly, which is that they can see that I have a total of 109 months, that there is no problem with the 47 months that have not been added to the count, but that they just have not finished. I am now ready to file for forgiveness based on a total of 120 months in qualifying employment but I am stuck until they finish what should be the very simple task of counting my total payments.
Reporting inaccurate and unverified information from XXXX XXXX XXXX, who has never send me my written contract bearing my signature, in addition, have placed numerous lates on my consumer file even through i was in forbearance and deferment. Currently, I have a submitted a borrower 's defense case against them, I attended XXXX University. It has been over 6 months dealing with XXXX and XXXX. XXXX deleted this account because it could not be verified. XXXX and XXXX took off this account off my credit report and illegally put it back on!!! 
Capital One has said it will remove my account due to identity theft which was file with the ftc, case number XXXX. Il XXXX XXXX XXXX and XXXX XXXX has not verified in writing. XXXX XXXX which is reporting capital one which is including in my ftc identity report file case number XXXX.
Experian continues to report inaccurate information on my credit file after multiple attempts to have them correct the inaccuracies. I have sent Experian via certified mail multiple disputes along with supporting documentation for the items that i am disputing. Furthermore Experian has sent me a letter stating they are unable to use the documentation i provided ( Letter from sprint proving a collection account should be removed as it was result of identity theft ) and they keep prolonging the process. They also have violated multiple consumer protection laws by stating that they verified the accounts when in reality all they did was parrot information given to them from other sources and then they advise me to contact the original creditor, shifting the burden back on me which is a violation of 1681 ( a ) ( XXXX ). Experian has ignored multiple requests in my disputes as i have asked for the documents that they reviewed in order to conclude their investigation. The fact they continue to ignore this request is proof that they did not verify any of the disputed accounts like they claim they did. Under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to " ... promptly DELETE all information which can not be verified. '' It is my understanding that the FCRA allows me to dispute items that are inaccurate, untimely, misleading, biased, incomplete or unverified. CFPB, i seek your assistance with this as Experian seems to be consistently taking advantage of consumers.
I agreed to a payment arrangement with Ditech to pay {$350.00} per month via automatic payment in XX/XX/XXXX. This arrangement was made regarding a charged off second mortgage from XXXX XXXX that Ditech had purchased and collected on. Ditech stated that the payments would reflect on all three credit reports, XXXX, XXXX, and XXXX. I have sent multiple requests to Ditech, XXXX, and XXXX to update the reporting of this account on the credit reports. I received multiple letters from Ditech that state the account was defaulted on in XXXX, charged off in XXXX, and a monthly payment of {$350.00} has been paid on time in XXXX, XXXX, and XXXX of XXXX, and XXXX through XX/XX/XXXX. I submitted these letters to XXXX and XXXX agencies for correction of my credit reports. I have received the same response from both XXXX and XXXX of adding a comment to the report that consumer disputes and payment arrangements made on charged off accounts.There has not been any change to the closed dates and the payment grid still states that no payment has been received during these months. Please see the attached copy of how this account is being reported by XXXX and XXXX. XXXX lists all the above referenced months as FP which is translated to mean FAILED TO PAY and XXXX states no payment received. Ditech stated they would update and report the payments and have not reported these payments as was agreed. I feel that the collection practices Ditech used by stating the payment history would include the regular payments was unfair collection practices. Further, the credit reporting agencies XXXX and XXXX are not taking steps to ensure accuracy on my report or responding to my disputes.
Bayview Asset Management , LLC - Concur with Bayview Loan Servicing , LLC XX/XX/XXXX - I received the revised XXXX 1098 Year End Mortgage Int. Statement - The Revised statement as of XX/XX/XXXX states the principal balance was {$290000.00} and BLS is reporting total interest received was {$14000.00} showing a reduction of {$10000.00} BLS how did you derive at this amount? Your correspondence letter gave no explanation - BAYVIEW LOAN SERVICING EXPLAIN THE DESCREPENCY in detail. To help you figure it out ... I have attached the Payment History Excel file from the BLS Customer Web Portal - LOOK at row 58 and 60 highlighted in YELLOW. The report shows there was {$24000.00} in the suspense account on XX/XX/XXXX. On XX/XX/XXXX the Suspense account Balance decreased ( {$16000.00} ) and the principal balance was reported to be {$290000.00} - WHAT HAPPENED TO THE {$16000.00}??? There is no balance reported for XX/XX/XXXX in the report as stamped on XXXX 1098 Year End Mortgage Statement I have yet to receive the Revised XXXX 1098 Year End Mortgage Interest statement The payment History that is reported through BLS Web Portal shows in detail where payments were not being applied on a regular monthly basis. NO where on the report does it show where the Trustee partial payments were being applied. INACURATE PAYMENT REPORTING HAS CAUSED THIS PROBLEM. BLS Please report your response through the CFPB web portal so both sides to the story are revealed.
In the last 60 days I've been garnished by this credit concepts of s total sum amount of {$1500.00}, every single month since I've had this loan they've been adding {$330.00} every single month to the balance since the date of voluntary repossession of XX/XX/XXXX. Now they are garnishing me again knowing I am a single mother also domestic victims of XXXX minor children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over {$4.00} grand for a $ XXXX loan and why does my balance still reflect {$9900.00}? Where I started? Credit concepts are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.