WillisBack/dataset-financial-user-claim huggingface dataset:
WIFE OMITTED FROM MORTGAGE : 1. All through the application process, the basis for this mortgage hinged on ALL JOINT accounts and an existing Rental property which is in BOTH names 2. Wife & I have existing mortgage ( originated in 2012 ) ( with both names ) WITH WELLS FARGO on another home in XXXX 3. Through conversations with Mortgage Consultant, XXXX XXXX, I wanted the mortgage in XXXX to be the same. 
4. ALL Supporting documentation which was uploaded to Wells Fargo include my wife : 5. JOINT Tax Returns for XXXX & XXXX 6. JOINT Bank Account Statements 7. Rental Property Lease Agreements :  In order to qualify, I needed to prove the property had been rented for the past two years. LEASE AGREEMENT CLEARLY LISTS BOTH ME & MY WIFE AS LANDLORD. 
8. APPRAISAL ( XX/XX/XXXX ) : Lists Borrower as XXXX XXXX and XXXX XXXX XXXX. WELLS FARGO ORDERED THE APPRAISAL I DID NOT. ( Uploaded ) 9. CLOSING DOCUMENTS : Mortgage ( Closing Date : XX/XX/XXXX ) Page 1. Wells Fargo lists Borrower is XXXX XXXX XXXX and XXXX XXXX XXXX Page 14. Required signatures under BORROWER are both XXXX XXXX XXXX and XXXX XXXX XXXX ( Uploaded ) 10. CLOSING DOCUMENT : Preferred Payment Plan Enrollment Form ( from WELLS FARGO ). Asking for signatures from both XXXX XXXX XXXX and XXXX XXXX XXXX. I do not need my wifes signature when authorizing automatic deductions for a utility bill which may be in my name only. Why would they require BOTH signatures here?? ( Uploaded ) Immediately following the closing my wife called XXXX XXXX and requested that her name be added to the mortgage. He was uncooperative, trying to put the blame on me. He actually made the statement ( and laughing ) that even his wife was not on HIS mortgage.which was a very sexist remark. 
Through the following weeks, this issue got handed off to different people who never offered a solution other than to initiate another refinancing-swept under the carpet. 
More red tape and bureaucracy developed when my wife called to get information regarding the loan & application. Well, since she was not on the mortgage, Wells Fargo would NOT speak to her until I signed a form authorizing her access. XXXX XXXX and ALL OF WELLS FARGO MORTGAGE OFFICERS KNOW THINGS LIKE THIS WILL HAPPEN. WHY DONT THEY PROTECT THE WIFE??? Just like it is written in Luke 26 : 46-47, Beware of the scribes, .. who devour widows ' houses I have also spoken with several Customer Service representatives, getting nowhere.
My complaint is against trans Union. These accounts are more than XXXX years old and or not mine. For example, I moved in XXXX bought current property and an account was opened in XXXX. I was long gone. I disputed it and it stays on my credit report. Another example, I didn't know anything about a 2nd account and asked for copy of agreement for card and purchases. I got copy of statement from creditor, but nothing to show I did not open account, just monthly statement that I know nothing about. 
Yet, trans Union says it's my account This is way way in accurate. They should be removed.
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX . XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this account. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
I have a payment arrangement on file with Procollect Inc, however the company refuses to give me a invoice or a receipt to confirm my payments. I received a letter in the mail from ProCollect about debt I owed from an apartment that I moved out of in XXXX 2016. I called ProCollect and spoke to XXXX XXXX XXXX at XXXX XXXX to see what was going on and she explained to me that there was an unpaid balance of {$3000.00} & {$560.00} from this apartment. I told her that I am willing to make a payment arrangement. I made a payment over the phone with my debit card in the amount of {$300.00}. I then asked XXXX XXXX for a invoice or receipt to confirm my payment and payment arrangments. XXXX XXXX raised her voice and told me that unfortuntaley ProCollect dosent not offer any recipts for confirmation of payment until the account balance is paid in full. XXXX XXXX was very rude and disrespectful and she told me to have a nice day and hangs up the phone.
On XX/XX/2018, I went into a XXXX in XXXX, TN to inquire about the rates of a title loan. The customer service rep showed me that the interest rate would be 23.98 % and showed me a printed guide on how much I would be paying down every month. She really encouraged me to do the monthly option and the guide showed how much the principal would be going down with each payment. 

After I made my first payment of {$580.00} on time, I noticed the principal did not go down at all and actually increased. I looked at the statement and saw where there is a customary fee of 127.75 % APR added to the 23.98 % per billing cycle. This customary fee was not explained to me and she showed me a payback guide that had the principal going down every month.
Franklin Collection is reporting on my XXXX, XXXX  , & XXXX   credit reports that I owe them {$1700.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are the even licensed to collect on a so called debt?
I have wrote several letters asking for method of verification of accounts that are in reference to s dispute that includes report # XXXX dated XX/XX/2018. They are sending system generated letters instead of following section 609 ( a ) 1 ( A ) which requires them to send me verifying information, when I request. They are aware of what I'm asking for due to detail letters I have sent them on XX/XX/2018 and XX/XX/2018. The company does not have a phone number to call a human to help them understand what I need, everything is automated or electronic verification.
About two years ago, I attempted to move from my small townhouse with my XXXX children. The mortgage lender asked how was my credit. Since I knew I had no negative information on my report so I replied great. My mortgage lender pulled a copy of my credit report. As we reviewed the reports I was in total shock. Navy Federal Credit Union LLC was reporting a completely false debt which was causing a denial of the loan. We 've been struggling for the past 3 years to improve life for our family and give our kids a stable home just to give it all. I knew the account was not mine so I wrote my first dispute to Navy Federal Credit Union 120 days ago stating that I may be an identity theft victim and as a result I wanted to see legal verification that this debt was approved or accepted by me. My first request was completely ignored so 90 days ago, I wrote another request and I even attempted to get a police report. Turns out you can not get a report if the incident occurred more than 12 months ago but I still tried. Then, approximately 45 days later I received a letter from them stating that they find the account to be accurate. How is this possible, they had not provided legal proof or proof of identity? I re-stated that the account was not mine and added in that this was my 3rd attempt and that they had still not provided proof per FCRA & FDCPA requirements in the event of identity theft they again stating that they were reporting accurate information and that they do not need to supply the requested information only that they have my name and address correct. How is this possible that someone can just say they have your name and address correct and you owe them a debt without no contract or legal proof whatsoever. How do they even know they have the right person???
Select portfolio is attempting to foreclosure on my home with a fraudulent assignment The assignment was created after the cut off date of the trust filed with the United States Securities Exchanges.The document contain signatures of well known robo signers. I asked for proof of claim because the power of atty I gave to the the origination of loan in 2006 has being rescinded from the borrows waive of rights I appoint my self as Power of Atty.
My home is in foreclosure. Im trying to do a short sale and Wells Fargo is a second lien holder of which the debt was discharged in XX/XX/XXXX, I received a XXXX C - Cancellation of Debt and filed it with my taxes. They still have the lien on the property and have marked it as of XXXX XXXX. XXXX in a permanent uncollectable status. I now have a Contract of Sale am trying to do a short sale and Wells Fargo is refusing to allow any payment ( which none is available anyway its a short sale ) and refusing to release the lien even though it has been charged off. They are making me loose the Buyer for my home for no reason whatsoever. This was a discharged debt by the Bankruptcy Court in XX/XX/XXXX which should have been discharged and never was and as stated above, has been marked uncollectable. They have NO REASON not to release it.
I am requesting that Midland Credit Management/Midland Funding, LLC be removed from my credit report with all three credit reporting agencies for violation of the FDCPA. I have submitted a prior complaint. I have requested that they validate a debt they alleged that I owe and received no response for over a year. 

They sent me a letter dated XXXX XXXX, XXXX, which violated Section 1692g because it did not clearly state that they were attempting to collect a debt and that I had the right to dispute the debt in writing within 30 days. Futhermore, the format of the letter and language used overshadowed the purpose of the letter to collect a debt after proper validation. I do recall speaking with someone to request validation of this debt, but never received any documentation to validate the debt. Instead, I received harassing phone calls which eventually stopped. Unfortunately, I was not aware they were breaking any laws and did not submit a complaint at that time. 

After being made aware of my rights, I did send a written certified request to Midland on XXXX XXXX, XXXX requesting validation of the alleged debt. The letter was received by Midland on XXXX XXXX, XXXX. Shortly after, I received a phone call from a representative from Midland, after I requested that they only contact me via USPS. I filed a complaint with CFPB on XXXX XXXX. In their response they attached statements of the debt that they alleged that I owe. However, they have never provided this information to me via USPS or provided documentation that they have a contractual agreement with the original debtor to collect this alleged debt. 

I contacted Midland again, via certified letter on XXXX XXXX, XXXX to request validity of this debt and offered to settle this alleged debt if they agreed to remove it from my credit report with all XXXX reporting agencies. To date, I still have not received validation of this account to my satisfaction. 

Upon reviewing my credit reports, this account was removed from my XXXX and XXXX reports between XXXX XXXX - XXXX, XXXX and added back. The information that they are reporting to the credit bureaus are inconsistent and I am requesting they remove all information of this debt from all XXXX of my credit reports. 

I have placed a dispute with XXXX to remove information from my account as they are listed as the original lender with a date assigned as XXXX XXXX. I do not have contractual agreement with them as a creditor and want it permanently removed. I am also disputing my XXXX and XXXX accounts as I have not been supplied with any evidence that the alleged debt was sold or assigned to Midland to collect from me. 

I am requesting that Midland remove this account from my credit report with all three reporting agencies and agree to close this account and not sell it to any other collectors.
I am writing to request a correction of the following information that appears on my credit report [ XXXX, XXXX, XXXX ] Account Name : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Im the victim of identity theft and I dont recognize these accounts on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.
citi master card charged me double reward points for a cash credit on my credit card. lost XXXX dollars.
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX  but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX, XXXX XXXX
They will not give me any information about who they are. They ask to speak to me but will not identify themselves. I am hesitant to give them my personal information without verification of their identity. They call me numerous times every single day.
On XX/XX/XXXX, America Service Company ( ASC ) which is owned by Wells Fargo Bank N/A stated that Wells Fargo in the investor of the loan dated XX/XX/XXXX, loan # XXXX. Now, per a letter that we received form ASC on XX/XX/XXXX, dated XX/XX/XXXX, ASC stated ; " resolution to the inquiry about account number XXXX, based on our research, we 've determined your account was handled appropriate and no adjustments are needed ''. ASC further stated " that we can confirm that your account originated in XXXX XXXX with XXXX. The loan was paid in full on XX/XX/XXXX ''. Now ; how can ASC/Wells Fargo state that our account was handled appropriately when XX/XX/XXXX, this note was paid off but ASC/Wells Fargo failed to reflect that this note was paid in full and that Wells Fargo is not the investor? ASC/Wells Fargo stated in a previous letter that they are the current investors of our loan when in fact, they are not the current investors. So, was ASC/Wells Fargo trying to commit fraud and collect payments on this loan when they are not the current investor?
The following is a list of hard inquires on my TransUnion credit report I do not recognize nor did I authorize. Please remove these inquiries from my credit report as soon as possible XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX credit - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX Thank you
Keep receiving voice messages XXXX saying that this is a reminder from an asset to inform me that my scheduled payment for the settlement on file number XXXX will be debited from my bank account and that I can disregard message if there is no problem with my account. I can reach them directly at XXXX. They never give me business name or state their name in the voicemail. I finally called number back asking who they are and who they are with and they kept dodging the question. He then said he was with a law firm and they were going to seize my assests for not paying on my settlement of a past car that was a XXXX and went to collections. I informed the person that I already settled that debt and have all my legal documents from the debt company showing my settlement reached and paid so this must be a scam. I asked again who is he with and he hung up on me. I call number back, same voice answered but he denied ever speaking with me. When I asked him what company was he with he told me " XXXX ''. I found the real company online and called them. The lady with XXXX said they are not with those people and believe they are scammers impersonating them and that they have reported it. I have not given any information to the callers but they had an old address on file that I no longer live at so I am concerned they have gotten a hold of my credit report or social somehow and fishing for more info.
I XXXX XXXX received a letter of acceleration from wells fargo home mortgage on XXXX it is dated XXXX it identifies my loan number as XXXX. All previous statements identify my loan as XXXX my court case from XX/XX/XXXX at the us district court where I sued wells fargo home mortgage civil action number XXXX also verifies this XXXX as my loan number. wells fargo also sent this same letter with the new fraud account number to my wife who never received any statement in twenty years and is not on the loan!!! I am under chapter XXXX bankruptcy protection and not in default. My attorney is XXXX XXXX. I had the XXXX in XXXX so I couldnt appear and tried numerous times to have the case against wells fargo reinstated! Judge XXXX XXXX who is in with wells fargo forced my bankruptcy attorney XXXX XXXX into early retirement. He is trying to steal my house! The loan is BAD!!! It is NOT secured. The note has been separated from the deed and I have proof. My loan audits from the XXXX XXXX and from XXXX XXXX are available upon request. I am in Florida now caring for my ailing Mother since XXXX. Keep this in mind as if I reinstate the case in XXXX I'll need to obtain a lawyer. Otherwise maybe other arrangements could be made. I made my three trial payments for modification then they illegally forclosed twice before as XXXX XXXX saved my house by filing bankruptcy for me in XXXX and XXXX. I do not wish to pay good money after a mortgage fraud ridden loan! XXXX XXXX already gave the bank an order to cancel the bad loan as have I. your job is to force compliance. Being professional bank audit prooves fraud this case should be very easy! I never received any of the numerous wells fargo settlements I am entitled to as I have seen many articles stating I was due a payment. My bankruptcy case number is XXXX. Stop the sale of my house and cancel my bad loan. Thanks.
XXXX continue to bill me after I have discontinue their service and returned their cable boxes to them. When I called them, they apologized to me and said that I will get a refund of {$46.00} in the mail. Instead, I got a letter from their Collectors.
Since leaving school in XXXX my account was on an Income Based Repayment plan ( IBR ) with payments of {$0.00} per month. when the time came for this year 's submission of an annual renewal for the IBR I did not receive any correspondence from the servicer via email, physical mail, or by phone. The only reason I am aware of the issue is I've begun looking into my credit closely, to discover that my score had fallen over 100 points because of 15 " late payments. '' Three instances from five loan accounts were now delinquent because I had been switched back to a standard repayment plan without my knowledge. On XX/XX/XXXX I contacted the servicer where I corrected all the incorrect information on my account, and the first thing the servicer customer service had offered me was to go into forbearance.The representative offered only an address to direct a written letter to when I asked about the mishap causing a mistake with their credit reporting.

I have a second set of student loans serviced by another company, also on an IBR, which shows that I have been prompt in my upkeep when properly informed.
Report provided by XXXX XXXX to XXXX XXXX shows artificially low credit score due to nontraditional reasons. At the time of my auto loan inquiry with other Banks, my scores from the main 3 bureaus were XXXX, XXXX & XXXX. This company listed me at XXXX and could have negatively affected my chances at a better interest rate. They listed reasons such as " too few retail accounts '' and " limited history at address & phone ''. I have excellent residence history and have had the same phone number for 14yrs. 

In order to get a copy of their report, I need to send sensitive identification documents via fax or mail which is not secure.
On XX/XX/XXXX, i sent a certified letter to Experian stating disputes to be verified acording to the FCRA on my credit report. I got a response back from them on XX/XX/XXXX. Stating that my accounts where updated. On XX/XX/XXXX, i sent Experian another letter asking the method of verification and check if they had a copy of the original contract ; only to be told they will not re investigate.
I took a loan for {$700.00} on XX/XX/2017 via the internet. I made arrangements to have the payments taken directly from my checking account. I made 2 successful payments. I was contacted via e-mail to notify me that my next payment was being made. It is then when I noticed that my payments of {$240.00} and {$230.00} had resulted in a remaining balance of {$810.00}. I still had not received a paper or digital copy of my agreement. I tried logging in and they made that difficult to do. I called and the would not tell me or provide me with fee information or an APR. I persisted and they e-mailed me the document. I was transferred to a supervisor, she then revealed to me that only {$35.00} of each payment went to my loan. I attempted to make payment situations with a lower APR/Fee they refused. Since this is a company that is not on United States soil, they feel that they do not have to abide by US laws. My interest rate is 860.5428 % APR and I only learned that number after 45 minutes and being placed on hold several times. This company, legal or not is deceptive at the least and should be avoided at all costs.
I applied for a review on my mortgage to have the amount due each month reduced with Chase Bank, after a couple of months, Chase came back and offered a " reduction '' which was more than what I had been paying. I declined the " partial payment protection plan '' and continued paying my mortgage without modification. Chase has since reported my account to the credit bureau 's as being under this " payment protection plan '' and now it is having a direct negative impact of more than XXXX points on my credit score. I have filed numerous complaints and made numerous phone calls to Chase to have this issue corrected and reported correctly to the credit bureaus, to no avail. I have not signed any paperwork for a loan modification program and have notified them directly on numerous occasions that they have mis-represented my account status to the bureaus. Chase has flat out refused to make this right and now, as a result, my credit score does n't meet the minimum to apply for a new home mortgage with the VA. Please assist, if you 're able. This is devastating for me, my wife, and XXXX young children. We will be homeless in XX/XX/XXXX and Chase has refused again last week to properly report their errors.
My loan with Nation Star has been going through a Deed in Lieu process for almost ten months now. I just singed the closing documents. for the address located at XXXX XXXX XXXX XXXX, TN XXXX. My credit report is showing that their are eleven missed payments. This needs to be corrected on my credit report immediately. Also, I keep trying to contact XXXX XXXX at Nation Star XXXX loan number XXXX she will not return any of my phone call.
I sent an email to them on XX/XX/17 requesting that I be able to close the account and continue to make smaller payments until paid in full and they never got back to me. Paying XXXX XXXX  interest is way out of my league!!
the loan was paid off but XXXX. and Equifax show negative. from XX/XX/XXXX to XX/XX/XXXX no payments were late or missed.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.