WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm dealing with Wells Fargo, back at the end of XX/XX/XXXX, about my payments going up from XXXX to XXXX. I was told that I could buy down my escrow, XXXX would bring it down, so on XX/XX/XXXX I paid XXXX .... that was to lower it for 6months. As of today I 'm still paying the higher rate and I 'm told that they can take until XX/XX/XXXX to get it taking care of, you can listen to the tapes, were I 'm told that my new payment of less then XXXX will start with my XXXX payment, but still happend.. I bought it down be used i do n't have the exter money to get it down to were I. Could pay it and still pay my other bill, so here I am having to rob XXXX to pay XXXX and no. XXXX under the tree..please help me. Oh side note I paid down my loan and told that I still have to pay pmi for 5yrs, it 's I. The loan
I have been contacting XXXX XXXX XXXX XXXX Credit Card since XXXX. 
They havew given me the run around and have refused to work with me on a solution. I have EXCELLENT credit and paid every month more than was due on my account. I had an emergency and tried to defer my interest and was hit with a XXXX penalty. I have called, emailed, and written numerous letters and the Company will not work with me.
I am still having problems filing a loss mitigation package with my secondary mortgage holder. The amount that is owed to Discover Bank is less than 8 % of the value of my home and less than 23 % of the available equity of my home. I have attempted to settle with them due to loss of income since XXXX of 2015. This is the second time I am filing a complaint against them. Each time I send the information they request they come back with missing information needed. When I request that they inform me of all missing information needed I supply the missing information then I receive another communication from them informing me I am missing more information. This has been an ongoing issue with them. Now they want to see Bank information from my XXXX children who I happen to be a secondary signer on their account. They are not associated with my mortgage in any way, shape, or form. They have not given their signed permission to release this information and I have informed Discover of this fact. They are now threatening to close my request for a loss mitigation package. Let it be known that Discover has consistently been unreasonable with their request for information, and they are only the secondary mortgage holder on this property. Our Primary mortgage holder settled with us last year with not issues.
I was under a contract XXXX started using pre paid phones for a lower price for same service I negotatefd with them because of this and also because my service was very poor and I was being charged for thinks I did not use. I told them I was writing the XXXX Attorneys office about this and the changes they made in my contract ( witch i was almost over ) without my knoldege or permission.They told me I would be released from my contract to start using pre pay service, witch I did.because of poor service and my repeaditly complaining about service. I had a spending limit per mont under contract if I went over 30 days not paying my bill my service would have been shut off, so how can they say I owe this amount anyway. My monthly limit was around XXXX. 
They also reported this same amount XXXX to the credit breaures. How can they do this XXXX. I am not writting a letter to the State of XXXX fileing a complaint against the and XXXX see if reporting XXXX to the credit breaurs is leagl, I do n't beleaive it is. I want this off my credit reports right away or I will hire a law firm to handle this for me.
Addresses. : XX/XX/XXXX Equifax sent a letter generating a notice for a change of address. 
1. The physical address change is XX/XX/XXXX. If it takes Equifax 1 year to register service it be reported as a data breach to its notice or service of it informing consumer of a data breach XX/XX/XXXX, XXXX refer to down load. 

Addresses. ; Registered with a Equifax, XXXX, XXXX ; please, provide me with, credit file listed addresses that generates your data entry a prompt, after inputting consumers identity or file no, if any to indicate the identity has been confirmed you will get a file no. : Means ' : I, am only one person and therefore, should only have { 1 } credit file number. :  Addresses. 
The credit reporting agencies are inappropriate to publish it has a right that consumer holds, or retains the capacity to hold the index of addresses reported by Equifax as current. Prior addresses can not be current and a indicator identity 's the address to the consumer by indicating date, year and month from to a detailed date. : A indicator looks like this. 
address from XXXX through XXXX etc
This debt was sent to the collection firm on XXXX XXXX, 2014 - 3 years and 6 months ago. 

I do n't know what this MEDICAL DEBT is for - as well, I did n't know MEDICAL DEBTS could be reported on an individual creditors report.
I am in repayment on federal student loans administered through FedLoan Servicing. I have been on the Income Based Repayment program, which requires annual re-certification. I apparently missed notice of the deadline to re-certify which I just discovered had been sent to my " paperless inbox '' in XXXX, at the same time I am typically informed that I may download data for taxes ( note : when a message is sent to " paperless inbox '', fedloan does not email you notice as to the contents of said message ). The deadline for IDR re-certification was apparently within 10 days of XXXX XXXX, XXXX. I submitted application to re-certify XXXX XXXX upon logging into my FedLoan account and discovering my monthly payment increased from {$520.00} to {$1800.00}. Today XXXX XXXX XXXX, XXXX ) I logged into my FedLoan account again and saw my principal rose from XXXX {$170000.00} to XXXX {$180000.00}. Essentially, I am penalized {$18000.00} for failing to submit an application upon dubious notice. Furthermore, as long as my application is pending, my monthly payments are now approximately {$1900.00} ( from {$520.00} while on IBR ). The only relief I have is a forbearance, which would result in even more interest being capitalized ( i.e. principal increasing further ). I graduated law school in XXXX XXXX with approximately {$170000.00} in debt. Since XXXX, I have made all of my payments as due, yet my principal was on XXXX XXXX, XXXX was {$170000.00} ( I have had XXXX previous forbearances due to my loan service providers twice failing to include my spouse 's debt in calculation of my IDR eligibility, which were later resolved, but resulted in interest capitalized ) and now on XXXX XXXX, XXXX, my principal is {$180000.00}. This is unduly burdensome and may result in financial hardship in the future, including but not limited to, increased payments and interest, increased life of repayment, increased tax consequences should balance be forgiven, and increased debt to income ratio, resulting in inability to obtain personal financing.
I enrolled into XXXX in XX/XX/2015. My financial aid advisor never told me about taking out any loans. I 'm on public assistance & I brought in my paperwork to them so they can figure out what would be covered. Now I 'm getting emails from Nelnet saying I owe them {$22000.00} which is impossible because I never took out a student loan.
Last year in XX/XX/XXXX, Enhanced Recovery company sent me a letter trying to collect on an XXXX debt. I have never used XXXX so I contacted them asking them to verify the debt was correct. They have never sent me anything. I called XXXX trying to find out anything, and they cant find my name anywhere in their systems. They sent me to the fraud department to investigate further, and nothing. I am no where in their computers. I asked XXXX if they could send me a letter stating that, and they told me they have nothing to send me since I have never been in their system. I wrote a letter then to the collection agency responding to this account, and they have never contacted me. I called them back and they know nothing about the letter and told me I need to pay my bills and questioning my character ( in not so nice words ) I am so frustrated to be in this catch 22, I heard you would help me! The story continues. Now the same company showed up on my credit report this morning. ( I am monitoring my credit now ) This time with a direct tv bill. I did have a direct tv account, but it was paid in full and the box was mailed back. Seems really convenient that this would come up now. I am almost in tears. I am trying to purchase a home and this has completely stopped me in my tracks. My loan officer says to dispute and have them deleted in order to qualify, and I have no where else to turn. How can they do this!!??
They had been called at any time and any days including weekends. 
This bills should have been paid by my insurance.
I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? I attached with it all the relevant documentation as evidence/proof of what I was disputing. 
But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. 
For yet another time, the following accounts are erroneous : XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX ACC XXXX - Date Opened XX/XX/XXXX, Highest Balance {$31000.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$12000.00} XXXX XXXX   XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$14000.00} XXXX XXXX XXXX ACC XXXXDate Opened XX/XX/XXXX, Balance {$7200.00} XXXX XXXX  XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$13000.00} XXXX XXXX XXXX ACC XXXX , Date Opened XX/XX/XXXX, Balance {$2400.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX , Balance {$11000.00} I have Attached herewith the dispute letter I sent to this company on XX/XX/XXXX
Stein and Meyer called my mother and my employer providing account numbers and informing them they has attempted to serve me both at home and at work. Neither of which is true. They will provide no address information regarding their location. All their numbers are blocked and can not be searched and I have found nothing but complaints regarding the numbers and company stating they are scams. They are calling from XXXX and instructing me to call XXXX. If it is legitimate they would be willing to provide more information regarding there location and would accept mailed payments. I feel it is a scam attempting to exploit me.
XXXX Card on account for 11 years XXXX XXXX on account for 11 years both accounts expired need to be removed as per timeline of the reporting law.
In XXXX, we ( spouse and I ) took out a Home Equity Line of Credit with XXXX XXXX. PNC Bank took over our loan several years ago after the mortgage crisis. 
Our interest rates were XXXX 4.00 % XXXX years ago when interest rates were raised a quarter pt. by the FED to 4.25 %. 
We contacted PNC Bank and were told the fee to lock into a fixed rate was {$150.00}. We agreed to pay the fee. 
PNC Bank denied our request to lock into a fixed rate because we declared bankruptcy in XXXX. 
We were never late on any payment to XXXX XXXX, PNC Bank or XXXX. 
I lost my job as a government XXXX XXXX due to sickness and surgeries. I am receiving Social Security XXXX. 
Our credit rating is now good in XXXX. 
We contacted PNC bank and requested a fixed rate on our Home Equity Line of Credit every time the XXXX raised interest rates. Our interest expense on the loan is now 5.25 % with the current XXXX  increase. 
PNC denied us a fixed rate every time because we filed bankruptcy in XXXX. 
Earlier in XXXX we contacted the XXXX Department XXXX XXXX XXXX regarding our problem with PNC Bank. They notified us to contact CFPB because they have no jurisdiction over ( PNC Bank XXXX banks that are not licensed/chartered in NYS. Our loan has been and is for our primary residence in New York. 
The XXXX XXXX and House tax plan eliminates the deduction for Home Equity Line of Credit interest expense.
On XX/XX/2018 I attended a XXXX XXXX XXXX XXXX XXXX 3 day workshop which I paid {$2000.00} to attend. From that workshop we were offered another workshop which would work with us until we earned 100 % of our investment. I paid {$21000.00} to attend that workshop. After realizing that none of the formulas they taught in the workshop were working for me I contacted the resource office. I spoke with a resolution specialist by the name of XXXX XXXX. There was an agreement to a refund of about half of the money. She emailed me a settlement agreement and mutual release on XX/XX/2018. As I read through the agreement I did not feel right about signing the agreement because of the language used and obligations I would be forced to comply with and I would only get a partial refund so I did NOT sign the agreement. Instead, I contacted my credit card companies that i used to pay the workshop with. XXXX kept the charges of {$4200.00} paid to XXXX XXXX and Capital One kept the charges of {$4700.00} and {$250.00} on my account paid to XXXX XXXX after their dispute process although there was a the settlement agreement that agrees to a refund all services paid for were not rendered.
I have sent correspondence to equifax multiple times with no response to the inaccuracies on my report. I have sent one letter without police report and another letter with 2 police reports in order to clear this matter.
XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 Hi my name is XXXX XXXX. My place of employment was contacted by phone number XXXX by a person named XXXX XXXX. Repeatedly trying to get in contact with me about a possible debt which I do not have any knowledge or written notification of ...
I have sent dispute letters to XXXX, XXXX, and Transunion since XX/XX/18 asking the bureaus to remove derogatory/inaccurate information from my credit report on the following accounts - XXXX XXXX, XXXX, XXXX XXXX, and XXXX. Since XX/XX/18, I have sent letters on XX/XX/18, XX/XX/18, XX/XX/18 to no avail. Per the FCRA, the bureaus have 30-days to respond and I have yet to receive anything. I am requesting that you look into this situation and have it resolved.
My sister may have put me down as a family member reference on an account she had opened. She is doing the XXXX XXXX program to pay off all debts. The agencies have been hounding my cellphone number daily as she already had given the XXXX XXXX phone number to the company for any contact. I am an XXXX for the XXXX XXXX XXXX XXXX and have to use my cellphone for my job. These daily harrassment calls have nothing to do with me. They won't stop. What do I do?
They changed the type of credit card form a low interest rate to a higher rate card with out my approval. When I asked about it I was told that it was too lat to change it back. The person that changed it was a teller WITHOUT my consent.
On XX/XX/2018 I found sports tickets on XXXX for sale. I talked with the seller via text and phone call who suggested we use XXXX through Wells Fargo for payment. Given that I had the person 's phone number, email and that I was using Wells Fargo, I figured that I would be protected. However, after I transferred the money ( XXXX dollars ) through my Wells Fargo App via XXXX, I never heard from the individual again. I promptly contacted Wells Fargo within minutes after the transaction to cancel and warn them of the scam. I provided them with his phone number, email, XXXX account, XXXX post and other bank accounts he is using for the transactions. I told them that the XXXX posting is still active as well as the email and phone number because he responded to my friend who had just reached out about the tickets again. I was told " thank you very much for all of this information, and that an investigation would be opened and that I would likely receive my money back given that this is a scam. '' However, my money was not reimbursed and no additional steps were taken y the bank to prevent this person from scamming other individuals ... even though the bank was provided with information to help shut down this scam. I reported this posting to XXXX as a scam as well. I tried reaching out to XXXX however they would not help me because I used XXXX through Wells Fargo and therefore have to issue my complaints with Wells Fargo.
Hello, Please refer to case # XXXX I filed a complaint with CFPB back in XXXX XXXX 2015 regarding XXXX accounts, In which they did not respond. I have sent another letter to North American Recovery with again no response. I am filing another complaint as this is unacceptable. Please review this and take appropriate action. 

Original complaint : Hello, Upon review of my credit file with XXXX and XXXX I noticed XXXX collection accounts from N.A.R. ( North American Recovery ). I had no idea who this company was or the money stated I owe. I filed A dispute with XXXX and XXXX for validation. I also sent A Certified letter directly to N.A.R. requesting validation/verification of debt. In return N.A.R. sent me a statement from their own company not from the original creditor. I have no knowledge of any account with XXXX XXXX at XXXX ( original creditor ). XXXX and XXXX returned with their investigation stating these account have been validated and the accounts belong to me? Again I sent another Certified letter with my full communication of this matter requesting proof of this account from the original creditor and/or where this account supposedly came from, It was returned to me unopened stating " return to sender '', " unable to forward ''. I verified the address on the envelope with N.A.R. 's listed address and it is correct. I am unable to proceed with this investigation and XXXX and XXXX are refusing A re investigation stating account has been previously investigated and verified.
A. 
AR.S.XXXX XXXX XXXX Ca XXXX XXXX THIS COMPANYcaims to be XXXX XXXX this account is being paid by chapter XXXX trustee XX/XX/2014 XXXX XXXX
Narrative of my 30 Day Dispute With this current auto loan with Wells Fargo Dealer Service, I have never been late with any payments on this auto loan. I have attached all payment receipts for this account for your review. 

This situation was beyond my control. I was involved in a XXXX car crash on XX/XX/2018. A woman in XXXX XXXX California was XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX residential area at XXXX XXXX, she ran a XXXX XXXX hit a car and XXXX that person, and his car hit my car. 


The woman who caused the accident had refused to talk with her insurance company XXXX because she was advised by her Attorney not to talk to anyone so she would not incriminate herself, so my insurance company XXXX paid off my car minus my $ XXXX-dollar deductible and the {$580.00} that I owned on the car more than what the car was worth. 

I was in constant contact with Wells Fargo Dealer Service trying to make sure everything was going according to plan and making sure this loan gets paid off in a timely manner. After Wells Fargo Dealer Service received the payoff from XXXX, I contacted Wells Fargo Dealer Service on XX/XX/2018, to pay off the remaining balance, when I spoke with the supervisor about paying off the car with my Credit Card, the supervisor told me that Wells Fargo Dealer Service does not accept Credit Cards. 

I explained to the supervisor that this was an insurance claim, and I wanted to pay off the balance of {$1500.00} because XXXX had not accepted Liability of the accident that happened on XX/XX/2018, the supervisor said that there was nothing she could do because we dont accept Credit Cards. 

On XX/XX/2018, I called Wells Fargo Dealer Service once again trying to resolve this issue. This supervisor was very informative, and he explained everything to me about a program that could help me, which is called the XXXX XXXX program. The next day XX/XX/2018, I immediately started the process in enrolling in the Insurance Deficiency program. I was approved for the Insurance Deficiency program. 

The supervisor who I talked to on XX/XX/2018, never informed me about any programs that would be able to help me in my dire financial situation, nor did the supervisor explain to me that the account went back to normal when Wells Fargo received the insurance claim check. I, as a consumer and a loyal Wells Fargo Customer who was not aware of any of this information. If this supervisor who I spoke to in XX/XX/XXXX would have informed me about the insurance Deficiency program, I would have enrolled in the program at that time and not have this 30 day late sitting on my credit report.
Our mortgage management company ( Rushmore Loan Management Services ( XXXX ) XXXX ) continues to charge us flood insurance coverage for our Condo, despite providing them evidence and letters from the master insurance carrier that covers for the entire unit. Several attempts were made to resolve this issue with the company, and despite providing them with more than enough proof that the building 's master insurance covers for their flood requirements, they continue to charge us. Our loan number with the company ( XXXX ).
I do n't know if I misunderstand something here, but it I just discovered that the Chase Credit Card Ink is charging me interest for purchases just recently, in the last few days conducted. 

Here 's what happened : ( My Ink card billing cycle is mid-month to mid-month ) In early XXXX I made a purchase for {$1600.00}. On XXXX the statement came ( Closing date is XXXX, payment due date XXXX ). I paid $ XXXX.- dollars on XXXX before the due date leaving a balance of {$810.00} unpaid. It is my understanding as well as that all other credit cards do such, that the interest charged will be on the residual due balance from the XXXX cycle. 
In XXXX as recent as XXXX, one day before the closing date of the XXXX statement cycle I made some business related purchases of around $ XXXX.- in the time frame of XXXX to XXXX. 

When I got the XXXX statement around XXXX XXXX I see on it an interest charge of {$110.00}. 
That ca n't be I thought, {$110.00} in interest charges for a residual balance of {$810.00}!? 
That would amount at an annual 29.99 % charged applied p. Month to an annual interest of {$1300.00}!!! That would amount to 359.88 % in interest!!! 
Looking in the back of the statement on the last page it says under -31 days billing-. " Balance subject to interest rate {$4500.00} '' .... 
Wait a minute! What calculation is that? I just got the statement and it will be due by XXXX! 

I called Chase Credit Card Ink customer support and like them I recorded the conversation. Rather unfriendly, curt and dismissive I was told by a supervisor that if every month the balance is not paid in full interest applies immediately to the current running balance AND INCLUDING ALL NEW PURCHASES. 
WHAT? 
I never heard of such a thing. I asked several people and all unanimously said that ca n't be, that 's why there is a " grace '' period, and in my case the stated 31 day billing cycle. 

Further attempts to clarify this with Chase yielded nothing except ignorant. arrogant and irrelevant answers.