WillisBack/dataset-financial-user-claim huggingface dataset:
This is the 2ND REQUEST THIS YEAR and heard nothing back from my request on QWR from Wells Fargo. 
Their XXXX be dispute on accounting and servicing of my mortgage,. Which I am trying to get all the information I request in the letter. Knowing my home is trouble, I need to get this information I requested in the QWR ASAP. I understand that potential errors could have wrongfully resulted in one or all of the following : 1. Increased the amounts of my monthly payments ; 2. Increased the principal balance I owe ; 3. Increased my escrow payments ; 4. Increased the amounts applied and attributed toward interest on my account ; 5. Decreased the proper amounts applied and attributed toward principal on my account ; and/or 6. Assessed, charged, and/or collected fees, expenses, and other charges I am not legally obligated to pay under my mortgage, note, and/or deed of trust. So I really need this to be look into. 

I am also looking into what happen to settlement to help people who still has the Pick a Payment loan. I was offer no help from this settlement. Yet I am being told, Wells Fargo should had been able to offer something by now to help me out.
THIS IS REGARDING LOAN NUMBER XXXX WITH XXXX XXXX. 
OCWEN MORTGAGE IS A PREDATORY AND DISHONEST MORTGAGE LOAN SERVICING COMPANY THAT PURCHASED THIS LOAN FROM GMAC MORTGAGE. 
IN THE MONTH OF XXXX 2017 I MADE 4 PRINCIPLE PAYMENT TO THIS LOAN IN ADDITION TO THE REGULAR MONTHLY. THEY EQUALED {$10000.00}. 
IN XXXX I MADE 2 ADDITIONAL PAYMENTS TO PRINCIPLE OF {$1100.00} FOR A TOTAL OF {$2500.00}. THESE PAYMENTS WERE MADE ON OCWENS CONSUMER WEBSITE AND WERE ALL DESIGNATED AS PRINCIPLE ONLY. 
THEY HAVE NOT BEEN APPLIED PROPERLY AND OCWEN HAS NOT REDUCED MY MORTGAGE PRINCIPLE BALANCE TO THE CORRECT AMOUNT EFFECTIVE AS OF TODAY. XXXX IS A PREDATORY MORTGAGE SERVICE CO MAMGED BY THIEVES.
Every month the creditor reports a {$1.00} increase to the balance owed - this amount is not monthly interest, I have not agreed to a payment plan so it 's not late fees, there has been no agreement of any kind that would warrant a monthly increase of {$1.00} to the balance owed.
I 'm told by US Bank Mortgage that they have n't reported received the identity theft affidavit. I mailed it to Customer Service Fraud Department on XX/XX/XXXX. It was sent to XXXX KY per their request. I notice my name have been changed to XXXX XXXX XXXX. I was told it was received onXX/XX/XXXX. I was told a letter would be sent to me on XX/XX/XXXX concerning payments made to the insurance companies by U S Bank Mortgage. I have n't received any mail. I requested information concerning property taxes paid by U S Bank Mortgage.
I have never received anything from them? This was XX/XX/XXXX til XX/XX/XXXX, but some how still " open '' on my credit report I ca n't get ahold of them to pay or settle ... I have no account number or anything ...
They will not fix the problem and it hurting my credit score with credit applications and the information on all the accounts from Equifax are XXXX and from 2013. I have try to fix the problem with no avail, I have a lot of paperwork to justify my claims, from phone calls to sending out packages with the dispute. I just got a limited credit card from my bank and they told me that they were using the information from Equifax that stop my accounts in 2013! My accounts are active and in great shape!!!! Please give me an address to send the supporting paperwork and documents that I have!!
received a letter from courts that I am being sued XXXX XXXX XXXX represents lvnv funding llc as successor in interest to XXXX would have been nice to know it was charged off then sold but straight to court we go
ServiSolutions, the mortgage servicing department of the Alabama Housing Finance Authority, wrongfully foreclosed on homeowner XXXX home located at XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. ServiSolutions failed to timely renew the homeowner 's insurance, then forced-placed more expensive insurance, and then failed to mitigate unnecessary foreclosure by failing to work with homeowner to apply for loss mitigation. Homeowner is XXXX and lived in his home with his XXXX son.
My vehicle, purchased through Credential Acceptance Corporation, located in XXXX XXXX California, has been inoperable since XX/XX/XXXX and I attempted to work out a deal with the finance company,  Credential Acceptance Corporation, to pay it off at a lower rate due to the excessive amount in repairs preformed on the vehicle since day one. They denied my request to deduct {$1000.00} from my {$2000.00} balance back in XX/XX/XXXX. I called today XX/XX/XXXX to again attempt to pay off my loan, this time in the amount of XXXX from the {$1800.00} that is still owed. Office Manger XXXX at Credential Acceptance Corporation accepted that offer and provided me with their account number. When I asked the office Manager XXXX if she can email me that approval as a confirmation she stated No, they do not do that. I need to put the money in the account and they will close my account. I explained to her that that is a large amount of money and I have every intention of making my payment, I just do not feel comfortable depositing that amount without an email confirmation. She went on to say, very rudely we do not email anything and if you do not trust us, then we do not trust you and you can pay {$2000.00} to clear my account and she hung up on me. This behavior is extremely unprofessional and I have had previously had my vehicle wrongly repossessed in XX/XX/XXXX, after speaking with XXXX and she became upset with me regarding payment. I would want not more then to rid myself of this finance company, but their actions are very concerning. I understand my faults but theyve sold me a vehicle that has had an abundance of repairs in my 2 and a half years of ownership.
We successfully applied for a mortgage modification in XX/XX/XXXX with XXXX on our MoneySource loan. We paid all three trial period payments and were granted modification. I was subsequently laid off from my job in finance during economic downturn. We were unable to pay mortgage thereafter. I regained employment in XX/XX/XXXX and reapplied for the mortgage modification with MoneySource and we were accepted into the modification trial period in XX/XX/XXXX to begin in XX/XX/XXXX at {$2400.00} per month through XX/XX/XXXX. We made the XX/XX/XXXX and XX/XX/XXXX payments in a timely fashion and then we were told that they would not accept our third payment in the month of XX/XX/XXXX because they had made a mistake in granting us the modification trial period due to the fact that FHA guidelines require a 24 month period between loan modifications and in our case there had only been a 12 month period since our prior modification. Presumably the mortgage company should have been fully aware of this FHA policy prior to granting us the new modification trial period. As a result, we had no choice but to wait an additional 12 months until the 24 month period had lapsed and save mortgage payments to the best of our abilities. 
We applied again in XX/XX/XXXX and were accepted on XX/XX/XXXX to a new modification with three months of trial payments to begin in XX/XX/XXXX at $ XXXX/mnth. We paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX mortgage trial period payments in a timely fashion, however, after making the final payment in our trial period, we were told that due to the recalculation of escrow amounts after the end of the trial period in XX/XX/XXXX, an increase in escrow had made it such that our mortgage payment levels to be paid on a monthly basis were no longer at an acceptable dollar amount and that we must apply for a new modification trial period again from scratch. It turns out that due to the Money Sources incorrect escrow calculations, we had been set up to fail in the trial period even though we met the guidelines that had been set forth for us. Several requests to receive a response in writing outlining the specific reasons for the denial after we had successfully complied with the trial period went unanswered. 
Also, in parallel to the mortgage company seeking a new borrower response package from us ( including paystubs, forms, etc. ) to qualify for a new trial period beyond the 3 month trial period we had just successfully finished in XX/XX/XXXX, we received a letter in XX/XX/XXXX announcing the mortgage companys intent to accelerate and foreclose. Clearly, if we were being asked to apply for a new modification trial period, the mortgage company should not be also pursuing foreclosure at the same time.
XXXX/XXXX/16 I authorized a {$280.00} payment to Citibank/Best Buy. They attempted to take {$3800.00}. I called them on XXXX/XXXX/16 after receiving an email notice of this attempt. Citibank assured me it would not occur but if it did it would take 60 days to resolve. So, I put a stop pay on my XXXX Bank account for safety. Citibank also said that they would only take the {$280.00} payment authorized. Citibank attempted to take the {$3800.00} and marked the account as Paid in Full. I kept logging into the account online to make sure the payment of {$280.00} but the account showed {$0.00} balance. All attempts by me to make the payment were declined as their system showed a {$0.00} balance. On XXXX/XXXX/16, I received an XXXX Credit Report Warning that Citibank had reported my account as past due. NOTE : this is my ONLY late payment ever in my XXXX years of life. I immediately called Citibank, explained the problem again, made the payment. Found out that Citibank could n't make the original {$280.00} payment because it deactivated all access to my XXXX Bank account for payments which was their mistake. I ended up paying {$300.00} from another bank account and was assured that the mistake would be corrected and reporting corrected to credit bureaus. In speaking with XXXX a Citibank Team leader on XXXX/XXXX/16, I was told the correction to my credit report was put through. I called again today, and spoke with XXXX, who told me this was not the case and that it was being reviewed still. I have documentation of all of this from the {$280.00} payment amount to emails from Citibank to bank stop pays to erroneous reports. I filed a written complaint with Citibank/Best Buy as well as all credit bureaus. Citibank has simply made errors, lied about correcting them, and essentially done nothing.
XXXX KEPT CALLING MY CELL NUMBER 'S 3 TIMES AFTER CEASE COMMUNICATION NOTICES. 

3 CAALLS DATED XXXX/XXXX/XXXX 3 COUNTS OF DEBILERATE CALLS TO CELL ( SEE ATTACHED PHONE RECORDS.
I have already sent a copy of the letter I received from XXXX XXXX requesting the credit bureaus to re-add the tradeline that was mistakenly removed, back to my credit report. It still has not been updated. The credit bureaus take no delay in reporting incorrect or damaging information to a consumers report, but takes all the time in the world to fix a problem or update positive information to a consumers report. Please be advised : According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX 2017. 

I have attached paperwork proving that the account should be reported under my social security number for your review. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.
Date : On XX/XX/2017. Someone stole my information and applied for loans. Now i have 6 inquiries on my credit report. I never applied for, co-sign, or gave any of my information to XXXX, XXXX XXXX XXXX, XXXX XXXX, Exeter Fin, and XXXX XXXX. Please help my get these off my credit report.
In XXXX I was contacted by XXXX XXXX XXXX, a collection agency representing TD Auto finance, regarding a debt owed. After several conversations with a representative at XXXX I was able to come to resolution that would satisfy the debt in full. On XX/XX/XXXX I paid the agreed upon amount of {$5000.00} and received correspondence from XXXX indicating the debt had been satisfied however TD Auto finance is still actively collecting on this debt. I have attempted to contact TD Auto finance but I am being referred back to XXXX as two entities can not collect on the same debt. XXXX is unable to assist me as they show the debt as paid in full. I am requesting relief/assistance from the CFPB as I no longer owe this debt.
This inquiry is from XXXX, XXXX, FL, XXXX - XXXX XXXX XXXX XXXX. I have no idea what this is and contacted them only once and they could not find me. I explained that this is on my credit and appears to be there over a year ago and never heard of them.
XXXX XXXX, XXXX, my account was hit with a {$57.00} charge from XXXX. The day prior I had taken out the remaining funds in my account because XXXX did n't reassure me that this issue of my account being compromised would be resolved. I just got my direct deposit from my bank in my account. The account was at a {$0.00}. When this charge got charged to my account it made my account - {$57.00}. They assured me that I would get the funds back so that I can use the funds myself. XXXX XXXX, XXXX, I got credits put on my account but did n't get the {$57.00} back the way they stated I was going to get it. I called XXXX and they proceeded to give me the runaround and even taken it step further and called XXXX Corporate Office to get the funds back to me so that I can utilize it.
XXXX originally charged for internet service at a home that I sold ( and was vacant due to renovations after the sale ). The person that purchased my home informed me of the debt when they finished renovations and tried to connect internet service. I contacted them and explained, they agreed to research and pull records and call me back, they never called me back. XXXX continues to sell the debt to various collection agencies who resubmit for collection. I have provided details, including the HUD to prove the date of sale at the address, to XXXX twice and had the debt removed both times. Now they have put it on my XXXX credit report and I have submitted the information and pending the result. The amount is {$200.00}. I am tired of having to repeatedly provide documentation for something they have failed multiple times to prove is my debt. My credit score has been negatively affected in a major way, preventing me from refinancing my home until this is cleared up.
Wells Fargo is reporting this account as charged off in a chapter XXXX bankruptcy and the account as closed. This account was never included in my chapter XXXX and was paid on time on the outside of chapter XXXX. The account is open and being paid in a timely manner as agreed.
I have requested a copy of my Experian Credit Report online but was not provided access to a copy of my report for review. As I worked through the site trying to find a copy of my report I was kicked out and unable to log back into the sight. No alternative options were provided for me to access my report without me first submitting a credit card to be charged. 

Thank you!
This was an issue in loan closing for the house we bought from Lennar in XXXX. My wife and I felt that pages of signed Loan Documents we signed from the assigned Mobile Notary were lost. XXXX was the designated title company for this particular deal and they contracted a mobile notary to come to our residence in XXXX to sign the loan documents. This procedure was meticulously undertaken and took over an hour to complete. Thick duplicate copies ( loan documents ) were left in our possession wrapped by a rubber band when the notary left. We were also told that she will review these signed documents, stuff it in an envelop and mail it overnight to XXXX. The following day, we got a call from the loan officer who informed us it can not be recorded since there are missing loan document pages and he was told that these pages were retained by borrower. Since my wife and I were in XXXX on XX/XX/XXXX, we drove to the office of XXXX to sign the alleged missing paperwork that day. Much to our surprise, the in-house notary brought out more than 10 loan forms that needs to be re-signed and most it, based on our recollection, were presented and signed in our residence in the presence of mobile notary. It presented a big red flag since it now appears somebody has these missing documents with our signatures. It was also discovered by the in-house notary that the Loan documents we were signing were in error since only my wife 's name should be in the loan and the Title will be in both our names ( underwriting error? ). This precipitated the re-drawing of a new loan documents. So we ended up signing 3 loan documents for this purchase. 
But recent email sent to me by the Title company contains a flimsy excuse to close this issue. They have accepted the mobile notary 's explanation that in the course of printing the second set of loan documents, the printer run out of ink and has to go to an errand to buy replacement. This caused skipping pages, thus the missing documents. However, due diligence will dictate that one has to compare the pages on computer file and the printer output. Another way is to compare the last printout with the first set that was complete ( We were told that we have the first batch that is why it is complete ). Surprisingly, the notary came to our residence without counter-checking the integrity of these loan documents. Finally, after leaving our house, the notary went to the office where an audit could have been performed prior to mailing these documents. 
I know that an admission for losing pertinent credit information, deliberate or accidental, is a serious matter since it put borrower 's information in jeopardy. In today 's technology age, one can not just ignore being victimized by fraud. This is our biggest concern regarding this matter and there has got to be an acceptable explanation to keep borrowers at ease.
bank of america worked out a deal with me after i fell behind on payments. they sent it to XXXX XXXX XXXX in XXXX, nc. i worked out a {$100.00} a month repayment plan and have not missed a payment since i started paying in XX/XX/XXXX. i  can afford this seeing im on XXXX i have managed to put this in my budget. bank of america removed this negative item from my XXXX score and i was grateful. after 2 attempts to have it removed from XXXX they want budge. its not on XXXX at all but is still on XXXX and i want it off and re-instated as all payments are current. we made a re-payment plan and if they erased it from XXXX they can do the same for XXXX. i feel im in the right here.
In XX/XX/XXXX, I received a letter from Navient stating that I needed to pay about {$1500.00} for the next several months in order to pay off my loan. I did not have that amount to pay. My previous payments for many years had been {$350.00}. I requested to continue paying my normal payment, especially since I was in good standing with the loan. They refused and said that I needed to pay the ridiculous amount of {$1500.00} per month. I spoke with something like 6 people and finally just requested a manager who basically told me the same thing. I asked if I could be put on some kind of payment plan because there was just no possible way I could pay the amount they were asking for.

After several hours, he told me he could put me on a payment plan of {$50.00} a month and it 'd take 30 years to pay back. I 'd end up paying about 3 times as much. Of course, I told him no. I shared again that what I wanted was to be recognized for the fact that I had been making ON TIME payments for 10+ years. I do not believe I 've ever been late and I definitely never missed a payment. He told me that did not matter. He then went back up to the {$1500.00} amount. This went on for a long time until I was essentially forced to settle into paying {$220.00} a month and consolidating my loans. In the process, my loan was extended for another 20 years. 

So now instead of almost paying off my loan, I now have another {$29000.00} to pay. Since that time, I have paid it down about {$2000.00}. As of this moment, I have a student loan debt of {$27000.00}. 

When it is all over in the year XX/XX/XXXX, I will pay over {$50000.00} in new debt. And in that year, I will have been paying student loans for 31 years straight. I am an XXXX ; I have never missed a payment that I can recall. I have paid diligently and even paid big chunks of money when I have it. I am hard working and find it insulting that I now have double the debt simply because I was not able to make {$1500.00} payments for 6 months.
XXXX XXXX XXXX  is reporting a {$190.00} bill on my credit report from XXXX. We have explained to this collection agency, that this service was covered and paid by our health insurance. However, they tell us that they refuse to investigate the matter, and the only thing we can do about it is pay them {$190.00}.
This company CBE Group ( I only know the name of the company as I called the number back ) calls 6 times a day from XXXX different numbers. If I answer they hang up, if I do not answer they wo n't leave a message. Finally they called and some one actually spoke. He never indetified himself or the company he was calling from. They wanted me to give them my address, social and birthdate. I did not give the information. I asked several times what this was in reference to, they said they would not tell me unless I gave the above information. XXXX XXXX XXXX and XXXX XXXX XXXX are the numbers they call from.
On XX/XX/2018 I disputed a collection account with XXXX and XXXX  being reported by XXXX XXXX XXXX and both credit reporting agencies responded back that the account was verified as mines. I have never had an account with XXXX which is the company ERC is collecting for and also I have NEVER received any correspondence or letters from ERC about this debt. I have no knowledge of this account and I have never opened any contracts with XXXX. This negative information being reported is negatively affecting my credit and I want it removed immediately
All of the derogatory remarks on my credit report are paid, and closed. Please remove all derogatory remarks.
My wife and I applied for a home equity loan at USBANK and the process started off with the standard disclosures. The process seemed to start off fine with what was requested, but after a while the online secured portal system was not very clear. I was transferred to a couple different processors and main items were request multiple times. I was told thru the process my financials look fine and the appraisal was order on our home. Overall this process has taken 48 days and now they are declining our loan based on my income. My income according to another financial institution is fine and I will be closing a HELOC with that Bank which only took 10 days to process the application and are ready to close. I feel USBANK wasted our time and negatively impacted our credit score by pulling our credit with no commitment to see our application to the finish line. I have all the various email correspondence and screen shots of the application portal. US Bank has yet to return my phone calls and go over the underwriting which they have incorrect. I requested specific reasoning and they have yet to share it with me and my wife in detail. I am also trying to download my disclosure from the application portal, but they have limited the access for me to view.
They have multiple entries on my credit report which is hurting my score. This account was never validated and has supposedly been removed from trans union. This was a debt that by XXXX hospital their policy is to pay for services before they are rendered. This account was paid before service were rendered. This account needs to be removed from all XXXX credit agencies due to fraud as well as multiple incorrect entries.