WillisBack/dataset-financial-user-claim huggingface dataset:
Please see attached letter to Wells Fargo Home Mortgage and documents of proof, copies of MY DEEDS of Full RE-CONVEYANCE, I DO NOT HAVE A MORTGAGE WITH WELLS FARGO. 
Below I will mark making payments because the account number did not exist and when I went to Wells Fargo to make payments, the account did not appear on screen, so the agent would enter my name and take the payment. One day the agent just told me look XXXX XXXX this is not a Wells Fargo Account. Check with them to see why they are sending you statements. I knew I did not have a Mortgage and that my home would not have appraised out for that amount, and if I refinanced XXXX times as they contended, where was the Money? I did not at any time have a Mortgage with Wells Fargo nor did I refinance with Wells Fargo ever. ( See attached proof of deeds of Full Re-Conveyance )
Equifax is reporting an account with XXXX in the amount of {$280.00}. They have failed to provide me with the documentation that was used to verify that this entry is correct. Equifax has repeatedly re aged this account when in fact it should have been removed in XXXX 2015. This is not the XXXX time that Equifax has reported inaccurate information and has failed to fix tge problem in a reasonable amount of time. I want the actual documentation that was used to verify this debt.
XXXX XXXX  XXXX  is showing a school loan on my credit report. This is NOT a school loan. It is not through the XXXX XXXX XXXX. It is reporting incorrect on my reports and needs to be removed simply because of that. It is a collection account and NOT XXXX XXXX XXXX. The amount of {$730.00} is incorrect, the Account name of " XXXX  XXXX XXXX '' is incorrect, and the type of account " school loan '' is incorrect. This has not been removed and is stopping me from obtaining housing. It should have been removed from XXXX, Equifax and XXXX already and it has not. Legally it shuld no longer be there. I have submitted disputes stating this and they are not removing it.
I 've had XXXX cards with US Bank and their subsidiary Elan Financial for several years : Account XXXX XXXX XXXX XXXX Account XXXX 2000 XXXX XXXX Account XXXX XXXX XXXX XXXX My accounts have ALWAYS been paid on time, and I usually would pay off the balance each month. My credit history is perfect with a 10 % or less credit utilization and a XXXX+ FICO credit score. 
I recently requested an increase on my credit limit so that if I make a large purchase it wo n't take more than 10 % of my credit line and hurt my credit utilization, in turn hurting my score. 
Instead of just declining my request for an increase, they responded stating they were closing all three of my accounts immediately because they said I have enough cards open and too many inquiries. 
I responded asking them why they could n't keep at least my oldest cards open, ( and/or just not get an increase, ) when I 've never been late, always pay my balance off, and have a great history and very low utilization between 0-10 %. 
I told them over half my accounts are just store cards like XXXX or XXXX where you get XXXX % off for purchasing with the card ; then I pay off the statement balance when received. I never keep a balance on store cards and just use them for their store discounts. 
Despite my pleading to keep at least my oldest account open, they 've closed all XXXX cards. 
This has hurt me as a consumer by lowering my overall credit history 's " age of accounts '' as well as decreased the available credit, in addition to deleting all the award points I had accrued in using their cards over the years. 
If I had been late, over limit, or high credit utilization, then I could understand the closure of my accounts. However I 've done nothing and would like them to reopen all, or at least my oldest account.
I submitted a dispute to XXXX about the creditor, the credit was dismissed by the original creditor as not being mine.
URGENT : XX/XX/2018 : Called Freedom Mortgage as I sold my home on XX/XX/XXXX and a payoff check was sent to Freedom Mortgage and signed for on XX/XX/XXXX by someone named XXXX XXXX. Spoke to XXXX and explained that the payoff check for my mortgage was sent and XXXX XXXX signed for it. XXXX advised we sent the payment to the wrong address and we " dropped the ball '' on our end. I then immediately asked to speak to a supervisor as it has been two weeks since they signed for the check and my account was still open and they did not know where the check was. Was transferred to XXXX 's supervisor XXXX ( Employee # XXXX ). I emailed the packet from XXXX XXXX as proof someone at Freedom Mortgage signed for the check. XXXX advised she would call between XXXX EST on Thursday, XX/XX/2018. 

XX/XX/2018 : Called Freedom Mortgage as I had not received a call from XXXX. I don't remember the employee 's name from this call but Freedom Mortgage has record of this. I was told by this employee that no research or work had been done on my account and that XXXX was not in the office. I then asked to speak to a manager and was told that this employee 's manager would not talk to me but would call within 24 hours. 

XX/XX/2018 : Called Freedom Mortgage as I never received a call back. Spoke to XXXX. I immediately asked to speak with a supervisor. Spoke with XXXX ( Employee # XXXX ). I  explained my situation and XXXX advised he would reach out to check cashing to see if they had the check and it was not being deposited and if so what the issue is. XXXX advised he would call Monday, XX/XX/2018 by XXXX XXXX EST. I never received a call from XXXX. 

XX/XX/2018 : Called Freedom Mortgage and spoke to XXXX ( different XXXX ).  XXXX had given me his direct number and said I could call him. XXXX advised she could not transfer me to XXXX. I asked to speak to her supervisor and they would not come to the phone and I was advised that she would request they call me back. 

I sold my house on XX/XX/2018 and my mortgage is still open. Freedom Mortgage signed for the check and can not tell me where it is and no one in customer service has helped me or even attempted to look into this. My XX/XX/2018 payment is approaching and I should not have to pay this since I don't own the home and have paid off my prior home, however if I don't pay it, it will affect my credit and I am in the process of purchasing a new home. Additionally, I asked my billing be put on hold and no one at Freedom Mortgage agreed to do this, therefore I will still be receiving a bill.
I pay my mortgage in 2 monthly installments on the XXXX and XXXX of each month via EFT. My XXXX XXXX payment was applied on XXXX XXXX, but the next XXXX payments have not been applied. In XXXX just after the XXXX payment was sent, I received a letter from Ditech advising me that I needed to take action on my " delinquent '' account. After the first 6 hours on the phone, I learned that Ditech changed the account numbers in XXXX ( from Green Tree to a Ditech number, without any notification ) and they are unable to locate my payments. I have spent more than 10 hours on the phone with them, talking to the same person ( XXXX XXXX ) over and over and every single time it is like it is our 1st conversation. Today I had the misfortune of speaking to one of XXXX XXXX peers, who was just as rude and ignorant as could be. I asked 4 times for a manager before I was put on hold, and then the call was disconnected. I have faxed copies of my bank records to their customer service department and walked that manager through the history. I asked what else I could do to get this resolved and was told it was all on Ditech to finish the research. I did n't hear from anyone for about a week until today when XXXX XXXX, the collections officer assigned to my account, called to tell me my account is now x days past due. No mention of the supposed research being done on my behalf. In the meantime, they are assessing late fees and interest on top of that, and I am at a loss as to what to do. In my opinion, when they could not apply the payment properly they should have returned the funds. At least I would have known something was wrong.
I am filling this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible
I am a victim of identity theft. My apartment was broken into and several ID documents stolen. I filed a police report and have attached a copy to this complaint. I found several inquiries that were a result of this identity theft. The inquiry below is a result of ID theft : XXXX XX/XX/2018 2018
Received a notification from Chase that my rate was going up 5 % from 11.24 % to 16.24 % for no reason outside of increasing their profit margin. i have an 800+ credit score and pay off my balance monthly with all my credit cards. I 've had this card for over 20 years and never a late payment. After speaking with a supervisor, I was told I could either cancel the card or accept the terms. How are those choices for me? I accept a 50 % increase in my rate or lose my credit history which would negatively affect my credit score. I want my original terms just in case I need to carry a balance in the future. I felt like there was a XXXX to my head to make a choice that only benefits Chase. Absolutely horrible.
My FEEL Consolidation loan was just moved from XXXX XXXX to Navient. Navient does the same thing that XXXX does, which is mis-apply apyments., In fact, over the last 15 years, not ONE payment has been applied towards principal. When my loan was switched from XXXX to Navient, my payment went up by {$200.00} and they STILL are not applying any money towards principal. At this rate, I will pay {$400000.00} for a loan which started as {$78000.00}. XXXX ballooned my principal balance for no reason, and now Navient has increased my payments. Both of these companies owe me money and need to lower my principal to what it should be. I also want to be able to eventually pay this loan off! My principal balance is now {$150000.00}! It goes up, not down! I am current with my payments. I always have been. 
I have also asked several times for a complete history of documentation and neither XXXX nor Navient is able to supply me with an accurate accounting of my loan or the original paperwork. Therefore, this loan should be forgiven. 
I can not barely afford to pay the {$1100.00} per month they want, and I certainly can not afford to keep paying this loan in perpetuity. 
Why should this loan servicer be entitled to {$300000.00} from me for the rest of my life?? They are preventing me from buying a home because of this bad debt on my credit. They are preventing me from getting ahead in life and I want answers NOW. I want their justification for raising my payment and for not producing documents. If mortgage companies must have original documents, then so should student loan companies.
I paid my total outstanding balance by a check, dated, XXXX/XXXX/16 ; received a statement today saying I was past due and charging me a late fee and interest. I called, they said they still have n't received payment. I sent the check with the preprinted address and window envelope. Where is the check, where is the payment that I made?
I took classes via a method I did n't understand in 2014. It was a vet difficult, online college program prepared by XXXX XXXX University. When classes were dropped, loans were not rebuked by financial aid and I think this is wrong. I am {$5000.00} in debt and I only passed XXXX classes -- I also only saw XXXX classes through. I do n't understand why I am not merely paying for those XXXX classes and the loans granted for them. What is the reason I have to pay for student loans for classes I did not complete? Loan is financed by Great Lakes. I had no understanding of loans and no family I could discuss them with but I believe that if I quick the class in time it is n't fair that I was still charged for loans that I never saw the light on.
Case # XXXX. After reviewing B of A partial response, I refute it. Loan ending XXXX - B of A ca n't forgive this loan, because they do n't have a legal claim, as evidenced by bankruptcy ct. ( please see submitted evidence ). After reviewing my Experience credit report, I discovered B of a erroneously reported the following late payments for loan ending XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. I can provide payment and posting dates to refute this. Also, I discovered that they reported late payments for # XXXX for XXXX - XXXX XXXX - XXXX, XXXX, XXXX, XXXX. When B of a extinguished this loan in XX/XX/XXXX, I stopped making payments after talking speaking to a bank rep in XX/XX/XXXX. I spoke with their home team, equity loan, bankruptcy dept., and local branch. None of them ever refuted said extinguishment. Curiously, I did n't make payments on defunct loan # XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and never heard a peep from them. Clearly, B of A is guilty of malfeasance in regard to this loan, and have completely destroyed my credit. I own XXXX properties with mortgages all paid continuously and timely through 5 years of bankruptcy or I would n't own them now! I would expect this sort of chicanery from a loan servicer. From my perspective the only thing B of A is committed to is committing fraud on the consumer. Once again I maintain that if my e-mails server and that of my former attorney, XXXX XXXX, were sub-poened from the time frame previously indicated, that I would be completely vindicated in my claim. B of A responded by claiming I did n't cooperate by not sending them a copy of the extinguishment. That 's insane thing to ask of your customer, what happened, they lost it?
state of Maryland XXXX  claim I went to there school I was a XXXX XXXX  and sent to XXXX. how can I go to school. they said XX/XX/17 acct XXXX ... ... I took a loan. this is a lie. if I don't pay. they said that there the state and they can get whatever they want. there is no way to remove a student loan if you owe it or not. I must pay it threatened me to say I'm responsible and they will continue to ruin my credit. they threatened to ruin me they don't care if I was in XXXX  they just want there money. please help me. I need my XXXX
Straighten out the mortgage account.. There have been no late payments so not sure why erroneous late fee charges among other wrong fees/charges accessed to the account.. 

Why is the mortgage balance not reducing when there have been payments made & accepted by Capital One for every month 's mortgages account. 

This matter has been in limbo for over 6 months as Capital One is still researching the issue??
Bank of america is taking too long to update the transaction records so i am unable to cash out my XXXX account.
In XX/XX/XXXX, an internet friend introduced me to a International crime agent whose name is XXXX XXXX. XXXX said that he can investigate a scammer named XXXX XXXX in XXXX to get him arrested. So I entrust him to do the investigation for me. He said that his initial fee is {$2000.00} and asked me to transfer to his friend named XXXX XXXX of XXXX for me. XXXX XXXX and XXXX XXXX can fly to XXXX to do the investigation. So I transfer the following {$2000.00} to him via XXXX XXXX as follow : Order Date Amount Recipient XXXX : XXXX XX/XX/XXXX {$1000.00} XXXX XXXX, XXXX XXXX : XXXX XX/XX/XXXX {$1000.00} XXXX XXXX, XXXX  After I sent the money to them, they just gave me a faked story and then disappeared. I immediately ask for a refund, and then did not contact me anymore.
I filed bankruptcy 3 years ago this XX/XX/XXXX. This credit card is in it. All my accounts are closed on my credit, but this one. My attorney is aware of this and told me to contact you directly to get it fixed. My credit report is in the final stages of bankruptcy and all accounts are closed. The portfolio credit card is in there under a collection and needs fixed or removed. Thanks
Hi, I consolidated my student loans with XXXX XXXX inXX/XX/XXXX and it appears my loan was sold to XX/XX/XXXX who changed their name to American Education Services ( AES ). My original loan amounts are as follows : 1. Beginning balance {$2400.00} ( sub ) Current balance {$2300.00} 2. Beginning balance {$1900.00} ( unsub ) Current balance $ {$1700.00} 3. Beginning balance {$14000.00} ( sub ) Current balance {$13000.00} 4. Beginning balance {$14000.00} ( unsub ) Current balance {$13000.00} Totol due as of XX/XX/XXXX {$31000.00} I have been making payments towards my student loans since XX/XX/XXXX, over 10 years and I still owe {$31000.00}?? Something is wrong!!! Since XX/XX/XXXX, my payments were between $ XXXX- {$200.00} and as of XX/XX/XXXX, my payments are {$380.00} a month. 
I have contacted AES on several occasions to have them explain to me why I still owe them so much money. Unfortunately, their response doesnt justify the money I have already paid over the years and the remaining balance. I have been trying to research who I can speak with to have my consolidated student loan researched for accuracy. Hopefully you will be able to assist me. 

Here is the contact information I have for AES : American Education Services XXXX. XXXX  XXXX XXXX, PA XXXX XXXX American Education Services XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX
I have disputed the late payments on this XXXX XXXX  XXXX account for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
- Received 4 or 5 phone calls, one after the other, after XXXX on a Saturday, after we asked them to stop calling at that time so we could get our kids to sleep - Called me at my job after asking them not to - Harrassed and cussed at my husband after XXXX in the XXXX. My husband is a XXXX veteran in XXXX. 

- Were told we would be arrested for not paying
On XX/XX/2018 I sent certified mail to Experian containing 3 notarized documents containing my current drivers license, social security card and proof fof residence for the last 6 years at the same address on DL. I have been experiencing issues of someone using my name and trying to obtain credit and bank accounts under me identity. 
I asked Experian to remove all the old address from my file. According to the Fair Credit Reporting Act they can not list addresses that are not deliverable to me by the USPS. I just received Report # XXXX for XX/XX/2018 and it states that they will not remove the old addresses or any other incorrect data such as misspellings of my name. 
I contacted one of my ole landlords and they told me they just received an offer for XXXX XXXX of credit approval in my name. I need these addresses deleted for security reasons. Thank you for your assistance. Also XXXX and XXXX XXXX have already removed the old info.
For the last 8 years I 've been making bi weekly payments exceeding my monthly amount, and when i started i had paid ahead towards my mortgage. Approximately 3 years ago my mortgage was transferred to Ocwen. Early on I started noticing issues with the new servicer. I called and explained what I was doing ( I have had no luck talking to an XXXX call center ). They said that they did n't understand and that payments are due on a certain date, I explained I understood however my method I 'm paying ahead. They would n't accept that. They are holding/suspending my payments at their leisure not applying it to my loan and I 'm losing financially, as they are still applying interest at a rate that is not correct. I 'm getting threating letter that I 'm behind, it has called distrust with my wife if I 'm actually paying the bill, all while I 'm in fact trying to pay ahead on my loan and never has been an issue until the loan was transferred. I understand that loans can get transferred, however I have been paying my account faithfully ( ahead of time ) since I 've purchased my home. Now with the current creditor, i have contacted them many times, i even asked them to look into my situation, and they never responded through phone and only sent me some confusing information.
This complain is against U.S. Bank Mortgage Home Mortgage, XXXX Minnesota office. 

I provided financial information to the Bank as requested, in order to start the processing of my mortgage loan application. The Bank then filled out the Uniform Residential Loan Application ( XXXX XXXX Form XXXX ) and returned the form to me for my signature. The Uniform Residential Loan Application as filled out by the Bank misstated significantly my financial condition. I was instructed, nonetheless, to sign it, even thought the line above the signature box stated : '' I/We fully understand that it is a Federal crime punishable by fine or imprisonment or both to knowingly make any false statements concerning any of the above facts [ my financial condition ]. ... '' While I questioned U.S. Bank, as instructed, I did sign the incomplete Uniform Residential Loan Application. However, I remained concerned with U.S. Bank 's actions. Therefore, I drafted a properly completed Uniform Residential Loan Application and provided it to the Bank. Thereafter, for reasons unexplained to me, the Bank purposefully burdened the application process with requests for documentation that were not timely in relationship to my expected closing and were unreasonable in number and in the nature of the information being sought. 
Several days before the closing when the Bank was still asking for documents and would not commit to fund the loan, I sought financing elsewhere. I believe the Bank purposefully burdened the entire process on account of my insistence that the Uniform Residential Mortgage Application be truthful. 
I feel that U.S. Bank 's actions in insisting that a mortgage applicant sign a document that is not correct and that might subject that person to prosecution for a crime to be wrong.
open date XXXX/XXXX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date
I signed up for Coinbase, thinking that it would be a good idea to start investing in stocks and cryptocurrency was mentioned by many people suggesting that I and others should start investing. I went ahead and signed up for Coinbase at the end of XX/XX/XXXX. On XX/XX/XXXX I invested small amounts, XXXX totaling in {$20.00}, XXXX totaling in {$10.00}, XXXX totaling in {$15.00} ( one {$5.00} was on XX/XX/XXXX and the other 2 were XX/XX/XXXX ) and XXXX totaling in {$10.00}. I let the money sit and I had planned on keeping the money in those accounts to hopefully grow, but I had run into some personal life situations to where I need money to keep afloat, granted I do n't have much invested but anything is better than nothing. On XX/XX/XXXX I proceeded to withdraw the money I had in all 4 accounts to put into my XXXX XXXX, which totaled out to be {$40.00} after they took out fees. I withdrew {$14.00} in XXXX, {$6.00} in XXXX, {$13.00} in XXXX and {$6.00} in XXXX. Afterwards, I went to withdraw the money to my bank. At first it showed my debit card, but it would not let me click it to withdraw into my bank. I look for my bank in the options, it is nowhere to be found. My bank does not have an XXXX number, and I have sent in a request as well to get my money back but it seems like they just scammed and stole my money and I want MY money back.