WillisBack/dataset-financial-user-claim huggingface dataset:
SECOND COMPLAINT - Please see Case number : XXXX. As first one was never addressed by Wells Fargo Home Mortgage. 

I am XXXX, recovering from a XXXX. This is the reason for me not submitting this complaint in XXXX. 

I received a letter from Wells Fargo on XXXX/XXXX/XXXX, stating my payment would increase to {$1400.00}, as my escrow account has a {$2200.00} shortage, which is false. I pay {$410.00} per month for Escrows, which equals {$4900.00} over 12 months. My taxes are {$4100.00} for the year, with hazard insurance of {$560.00} ... paid by Wells Fargo in XXXX XXXX. Taxes were paid by Wells Fargo on XXXX & XXXX each totaling {$2100.00}. 

Combining equals {$4700.00}, and I paid an Escrow amount of {$4900.00}. .. I 'm being billed for something XXXX XXXX Loans agreed to waive, under Ancillary Monthly Payment included within my modification of {$0.00}. 

I have attached correspondence I have received from Wells Fargo regarding this matter. I received XXXX letters, first from XXXX XXXX, XXXX XXXX ( dated XXXX/XXXX/XXXX ), saying they receive the complaint and they expect to have the results of research on XXXX/XXXX/XXXX. 

On my first complaint to XXXX, Wells Fargo stated they needed an extension as they could not contact me. This was false information. 
I received XXXX calls, and messages, and I returned all XXXX calls and left messages, after speaking to a Wells Fargo representative, saying they received the complaint. 
( Calls recorded by Wells Fargo ) Completed Modification - XXXX, XXXX on behalf of the current investor - XXXX XXXX, XXXX Loss Mitigation Manager. Signed XXXX/XXXX/XXXX. Account # XXXX Modification Interest Rate - 4.00 % Modification Interest Only Payment - {$850.00} Monthly Escrow Payments - {$390.00} *Ancillary Monthly Payment - {$0.00} Total New Monthly Payment - {$1200.00} First Modification Payment Date XXXX XXXX/XXXX/XXXX *Ancillary Monthly Payment : This included some or all amounts that Servicer has advanced for real property taxes, insurance, water liens, or other amounts that may have become due with respect to the Property. Servicer has spread the repayment of Ancillary Amounts over a period of XXXX ( hand-written ) months. 

Correspondence on XXXX/XXXX/XXXX from Wells Fargo. The transfer of servicing will not affect any term or condition of the mortgage.
I previously disputed an account on my credit report with XXXX for XXXX XXXX XXXX. This is a paid collection, however XXXX XXXX XXXX is not a Licensed collection agency in the State of North Carolina. Therefore its against regulations for XXXX XXXX XXXX to continue to report negative information on my reports. When I attempted to disputed this on my credit report XX/XX/XXXX with XXXX, they denied my request on XX/XX/XXXX leaving the paid collection on my reports.
There is an collections account on credit report from XXXX XXXX in the amount of {$2600.00} On XX/XX/2018, they signed for a certified letter disputing the item. They updated credit bureau 's with information that the account was disputed, but failed validate the account as required in the Fair Debt Collection Practices and Fair Credit Reporting Act.
This is about the Equifax hack. I want to find out if my information has been compromised by the hacking but the terms-of-use on the Equifax site set up to do so waives my right to join a class action lawsuit against the company should I see if my personal information, including social security number, was compromised. I refuse to waive my right to a law suit against the corporation should it turn out that I am a victim of the hack. I have no faith in the corporation that a written statement seeking to anull the arbitration clause in the terms-of-use would be accepted even if the letter was received within the required 30 days. A credit report would only be of use after my account was used, should it happen. There absolutely needs to be another way to check if my information was compromised.
Chase bank placed a hold on XXXX checks that were deposited to my personal checking account on XXXX/XXXX/15. The hold information posted on my chase banking website stated the money will be released on XXXX/XXXX/15. However, this morning I received email from Chase XXXX protection Department that the money from the XXXX checks will not be released until the XXXX/XXXX/15 and even then they will still continue a " review. '' The deposited checks are XXXX bank checks and I know for a fact the accounts at XXXX bank from which this money will be drawn have the required sums available. I called the chase XXXX Protection Department today, but they stated this is a " procedure '' they have to follow. I told them I know the source from which these XXXX checks come and I do not understand why my money is being held without a definite day of release causing me financial hardship and overdraft fees. I do not have any history of bad checks or any other account related problems with Chase or any other bank. I just want my money released and do not feel Chase has the right to withhold my own funds from me.
MONEYGRAM FAILED TO FURNISH FORMS REQUIRED TO PULL MY WIRE TRANSFER HISTORY FOR ALL DOMESTIC AND INTERNATIONAL WIRE TRANSFERS FROM XX/XX/XXXX TO XX/XX/XXXX.
I received a card in the mail with Core Advisory Group 's phone number ( no name ) advertising home loan modification back in XXXX of 2016. spoke with a case manager XXXX gave him all my info. And explained that I have been denied for a mod on my loan in the past. He explained that they work with government agencies to force lenders to do a loan mods. I signed up for a total of {$2400.00} All they did was send out a few emails and and made some phone calls but got no results what so ever. sale on house was temporary stopped only because i filled a complaint with lender 's fraud dept. All my credit card closed due to backruptcy scheme that they practice through a third part.All i got from them was a bunch of broken promises, lot of lies, unaswered and unreturned calls, bad credit, stress and a huge financial lost and I sill lost my house. Core advisory Group had cease and desist order in Texas where i live at the time of signing and should not have collected money up front for these type of service. This company use to go by colleagues in law which has been accused of same practices and closed and as seen on their reconciliation form acknodwlede affiliation.They are a fraud and need to be stopped.Please help me get my money back!
I have a Care credit card from Synchrony Bank which I use for my XXXX expenses. On XX/XX/2016 I became homeless and I decided to inform my creditors about my situation. All the other creditors understood and worked with me but Synchrony Bank refused. I told them I only earn {$XXXX} a month from my XXXX. So, they decided I should go on the hardship program. However, they wanted to choose the amount and date of payment, but that is not possible because I get paid twice a month which is set by my employer. I kept calling and calling even before my debt became large ; hence, I was treated as if as was lying so I gave up because the little money I have to use for survival. Now, they have been call and call to collect a debt which I have no money pay for. What should I do?
When I was abroad, I bought bus tickets using my credit card and manually input my name in their system. They assigned me seat numbers and printed my name on the ticket as you can see on the documented tickets that I 've provided ( Original1 and Original 2 ). 

I did not bring my ticket the next day, but thought it would be fine since they had it in the system. However, the company refused to print me out my other ticket and forced me to buy another, as the bus was leaving at that moment - as shown in the next provided document ( Ticket 2 ). 

When explaining this to my credit card company Chase, they not only had difficulty finding my charge on multiple occasions, but when they refused to contact the merchant to dispute the case. Furthermore the first representative said that I 'd be mailed something, but nothing ever came. The second representative said that the case was already closed and then reexamined the case, but merely agreed with the first rep 's conclusions. 

The travel industry is such that when personal information is used to identify a passenger along with a credit card number AND the information is stored within the network, companies have the ability to print out an additional ticket. Therefore I was essentially charged twice ( and the second time there was a higher charge ) for the same product. 

I then requested to speak to a customer service representative to see what options were to cancel my card as I was getting frustrated. The customer service representative, in an effort to salvage the relationship, then connected me back to the disputes department. I did not have any further time to discuss this issue, as I had been on the phone ( back and forth ) for over an hour and finally decided to write to the CFPB. Thank you very much.
OKAY SO I 'M A LITTLE CONFUSED RIGHT NOW. THE FIRST REQUEST I SUBMITTED YOU SEND ME A LETTER BACK STATING THAT IT WAS A FRAUD DISPUTE AND THAT YOU WERE N'T INVESTIGATING. I SENT ANOTHER LETTER THAT APPARENTLY GOT OVERLOOKED. I FILED A COMPLAINT WITH CFPB ABOUT NOT GETTING THESE INACCURACIES INVESTIGATED AND YOU SEND ME A LETTER BACK STATING THAT YOU WILL NOT INVESTIGATE THESE ITEMS AGAIN. WHEN DID YOU INVESTIGATE? WHO DID YOU SPEAK WITH? CAN I HAVE THE DATE AND TIME THAT THESE ITEMS WERE VERIFIED TO YOUR COMPANY? I NEED THIS INFORMATION FOR MY NEXT STEP. APPARENTLY YOU HAVE NO REGARDS FOR THE FEDERAL LAW SINCE YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND DISPLAY THIS INACCURATE INFORMATION!!!!!!!! PLEASE SEND ME THE METHOD OF VERIFICATITON, DATES AND INFORMATION THAT YOU HAVE TO BACK UP YOUR CLAIMS FOR THE FOLLOWING ACCOUNTS 1 XXXX XXXX XXXX # XXXX IS ILLEGALLY COLLECTING DEBTS IN THE STATE OF LOUISIANA BECAUSE THEIR LICENSE IS INACTIVE. 2. XXXX XXXX I HAVE NEVER DONE BUSINESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY. 3. XXXX XXXX XXXX I HAVE NEVER BEEN LATE 4. XXXX XXXX XXXX # XXXX I PAY ALL MY BILLS ON TIME. THIS INFORMATION IS INCORRECT. 15 DAYS IS MORE THAN ENOUGH TIME TO FURNISH ME WITH ALL SUPPORTING DOCUMENTS THAT I REQUESTED **TRACKING**
I was enrolled in an auto payment plan with Navient and they just stopped taking my payments out with out my knowledge and turned me into the credit bureau for non payments and I just found out. Now my credit score is too low to get assistance in refinancing. They also harass me by calling me at least 10 times a day.
This debt collection agency, after I have already contacted them, have called my parents for over a week nearly every day besides the weekend. This is illegal and needs to stop. I do not live with my parents, they did not co-sign the debt that is being collected, and they have no reason to be contacted. My XXXX is a CEO of a very large company and they continuously call him getting in the way of his meetings. I have sent a do not contact order by mail and have a lawyer since the laws were pushed by this company and have been a nuisance.
Please be advised that this office represents XXXX and XXXX XXXX in connection with an effort by XXXX and XXXX XXXX to have their home loan modified. This file is much more than bare numerical calculation of expense and income, and it is our desire to be able to speak directly with the decision maker on this file. We are setting forth in this letter, reasons we feel warrant a forgiveness of the entire loan balance in this matter. 

As a reflection of both their good faith and dire need for a correction of the past deeds of U.S. Bank Home Loans, XXXX and XXXX XXXX are now coming to you and your company to enlist the support for a full principal loan balance forgiveness of the mortgage on their home. Per our borrower 's authorization that is enclosed, please direct all correspondence and communication on this file to our offices, and not to XXXX and XXXX XXXX. That is the desire and request of our clients, as per the authorization. If there is any further action that we need to take, and documents that we need to submit, in order to proceed in this fashion, please let our office know. In the past, my experience with U.S. Bank Home Loans, has been there is some disorganization and/or misdirection in the modification application process. 

I am sending this communication directly to your offices in the hope that this will be the efficient manner to facilitate a loan modification on behalf of our client. In addition, upon receipt of this package, I am requesting that the person on your staff who has the authority to speak with XXXX regarding our concerns would contact me immediately to review with me any additional information I would need to submit to arrive at a modification which is successful to my clients, as well as to discuss what we believe to be reasonable and appropriate terms of such a modification. 

This loan contains a " Balloon Note, '' dated XXXX XXXX, 2007 at a 9.375 % interest rate, in the amount of {$120000.00} ; is a predatory loan, and must be completely forgiven. This loan was a scheme on the behalf of U.S. Bank to further entrap them in their home. 

XXXX and XXXX XXXX have suffered through a number of Legal Offices which have coerced them into spending money for a loan modification ; these Legal Offices have been reported to the Proper Authorities, as they did nothing to help XXXX and XXXX XXXX to keep their home from foreclosure. 

Very Truly Yours, XXXX XXXX XXXX XXXX XXXX
Hello, My husband and I recently sold our house and as part of the negotiation process reached an agreement that we would pay closing costs not to exceed {$4600.00}. We noticed on the closing disclosure that we could get more information or make a complaint on www.consumerfinance.gov/mortgage-closing. Overall, we feel closing costs of {$4600.00} were too high for the transaction. We received two offers at the same time ( one with closing costs not to exceed {$2000.00} and one with closing costs not to exceed {$4600.00} ), but there were other variables that contributed to us accepting the latter offer. Please note that prior to these offers, we had two other offers with closing costs ( both {$3000.00} ) - the first rejected our counteroffer and the second fell through after the inspection process because of buyer financing. Throughout the selling process, we were told closing costs should run about {$3000.00} and even after accepting this offer, we knew that costs should be less than the amount negotiated ( seldom is it ever going to be the exact amount ). Considering discussions with relators that have conducted several recent transactions, XXXX and our own recent house buying and selling experience, these closing costs do not appear to be competitive and feels like we paid for something else. To further cause concern, the buyers of our house changed lenders after entering into the contract and surprisingly the amount of closing costs did not change. Possibly, the closing costs are legitimate, but we still wanted to follow-up with someone because the fees seem exorbitant, amount was exactly what was negotiated, and very odd that the fee amount did n't change with lenders.
I recently looked at my credit reports and noticed that XXXX XXXX XXXX XXXX XXXX reported negative marks 30,60.90,120 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve
XXXX XXXX XXXX  - Experian is giving the member no way to actually reach a human when dialing ANY of the numbers listed for them. They are reporting a collection on my account that DOES NOT BELONG TO ME. I have disputed it once already. I have contacted the creditor and they have searched me in their system and can not find records for me. I have contacted the Collection Agency with this information and they continue to report negatively and now are reporting me twice as late. I am trying to contact a human at Experian however their IVR gives no option to zero out to a human. Furthermore their website will not allow me to file a dispute online. They direct me to a number which allows for no option to talk with an agent. XXXX. I have also tried all of the other numbers listed for them ; same result. This should not be allowed. The other bureaus ( XXXX  and XXXX  ) have easy user options to contact an agent. Please investigate. TY
On XXXX XXXX, 2016, I made a mistake by transferring {$100.00} from my checking account to my savings with TD Bank but what I was trying to do was to transfer {$100.00} to my checking from my savings account. I saw that mistake and fix it, two days later I saw that the transfer did n't go trough and I tried again and moved another {$100.00} from my savings to my checking account. I called the bank 's customer service to fix this problem and what I was told that there is nothing I can do or they can do because my mistake and now {$200.00} are gone from my accounts without making a purchase or without withdrawn the money from my it. I try to explain the situation but is that there is not help and that money went free to the bank, and I 'm now screwed out of {$200.00}, and the bank just made that profit.
Complaint # 1. ) XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch declined credit with an adverse action notice because of a collection action or judgement that was reported as delinquent past or present credit obligations with others. The action was taken with regards to Equifax Credit report relating to a XXXX XXXX XXXX in XXXX XXXX XXXX loan # XXXX - XXXX. This dispute / complaint is that a fraudulent charge was initiated against loan XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$20000.00} .00 and has been accruing interest since that date.

Loan # XXXX. This transaction is documented from XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX   containing XXXX XXXX as named printed by. Reporting Institution : 16 Complainant has not initiated any financial activity with XXXX XXXX XXXX since a Debt Settlement Agreement was reached XX/XX/XXXX for loan # XXXX. Authorized Agent for XXXX XXXX XXXX signed this agreement. Part G. ) of this agreement states that " No changes or addenda hereto shall be effective unless done in writing and signed by all parties. '' There has been no such changes which complainant is aware of nor has complainant signed any agreements with XXXX XXXX   since the Debt Settlement on XX/XX/XXXX.

Complaint # 2. ) Equifax Consumer Credit Report RE:XXXX   - dispute XXXX XXXX XXXX charge for loan # XXXX.

1. ) Complainant has not initiated any financial activity with XXXX XXXX XXXX since XX/XX/XXXX.

2. ) Complainant was unaware of this reported XXXX XXXX XXXX charge and would not have found this information out if application for a line of credit from XXXX XXXX XXXX XXXX, XXXX XXXX branch, had not declined credit due to this Equifax report.

Complainant is requesting Equifax remove all negative and fraudulent information contained in report XXXX  related to XXXX XXXX XXXX   loan XXXX be corrected to reflect the reporting error and that all agencies which have requested reports be notified of this action.
On X/XX/17 my friend wired {$2000.00} through Western Union to me from XXXX XXXX, XXXX XXXX. I made every attempt to locate the funds at various Western Union locations but they would not tell me where I could pick the funds up, only that they were not at their location. ( My local Western Union had just closed down ). Finally, I called Western Union headquarters and was told the funds were returned to sender. When my friend tried to pick them back up they Claim they have no record of the transaction.
Someone stole my personal information and identity and opened up an unauthorized and fraudulent credit card account with XXXX. The account or debt do not belong to me. The following inquiries are unauthorized and fraudulent : XXXX, XXXX, XXXX, XXXX. I have been receiving harassing and threatening telephone calls and death threats from XXXX representatives.
I received an anonymous call from someone claiming to be a process server. They called from a blocked number. They told me that I must call XXXX otherwise I would have to appear in court. I was afraid and I called the number. I spoke to XXXX and he told me that I would have to go to court if I did not make payment arrangements to pay a Wells Fargo debt. He took my debit card information and indicated that they would email me a letter that I must sign. After getting off of the phone with XXXX, I called my daughter and she suggested that we call them back to seek clarification because it appeared to be a scam. I gave XXXX permission to speak to my daughter and my daughter requested the case number for the legal complaint. XXXX directed us to his supervisor XXXX XXXX and XXXX XXXX became extremely rude when my daughter requested the case number and or law firm that filed the complaint. XXXX XXXX stated that he could not provide the case number because it is immediately removed from public records once I have entered into a payment agreement. What XXXX XXXX did next was extremely offensive and unprofessional. He pulled up information about my daughter and told her to stop pretending to be an lawyer and he knows that she only owns a food company. He mentioned the name of the food company and continued to berate my daughter. What XXXX XXXX did n't know, is that my daughter is an attorney in Florida and she was only attempting to assist me in verifying that the company was legitimate. I am requesting assistance with this company because it has cause me a lot of distress. They now have access to my account information and I 'm afraid that they have unlawfully debited my account without providing me verification.
I am having a very difficult time with SPS Select Portfolio Servicing. We have tried to apply for a modification, but have had a very difficult time. Every time we call SPS we get different answers and they always seem to lose the paperwork we fax and email to them. We were never able to communicate, which always caused problems. 

I am XXXX years old and my wife if XXXX years old. I had a XXXX in 2017 which cause a medical hardship and caused me to missed payments. With the help of my family, we are over the hardship and can afford our mortgage. We are both on SSI and I have a pension that can afford the monthly payment.