WillisBack/dataset-financial-user-claim huggingface dataset:
My home is currently in the foreclosure process. Wells Fargo sent me an enticement that essentially asks me to make 3 more monthly payments before they will see if I am eligible for any other loan modification. Asking me to make 3 more payments before they will see if I qualify for any other loan modification is unconscionable and predatory.
My mortgage company refuses to release the funds my insurance company has given them due to water damage in my house. I have provided them with all documentation. Every day I contact them they are saying they are missing something else despite it being in the file the previous day. Although I was given an assigned representative, I am unable to speak to her. I was told that I was unable to speak to anyone in the claims department by customer service by a man named XXXX on XXXX XXXX due to my account statusdespite the fact I had paid my mortgage that morning. They have had a check from my insurance company since XXXX
There are several names on my credit report. The only name I use or have used is XXXX XXXX XXXX All other names are not mine and I want them removed. Correct address is XXXX XXXX XXXX. XXXX, AZ XXXX. All other address are not valid and need to be removed.
Step 1 : What is this complaint about? Additional interest, fees, expenses and charges added to original debt Step 2 : What type of problem are you having? Payments had not been recorded, in payment history of collection agency, XXXX XXXX XXXX. 
Step 3 : What happened? I did not know when the bill was headed over to collection Step 4 : What  company is this complaint about? XXXX XXXX XXXX Step 5 : Who are the people involved? XXXX XXXX XXXX XXXX  The Fair Debt Collection Practices Act was passed by Congress in 1977 to protect consumers by making some debt collection activities illegal What if the Amount Is Incorrect? 
In general, collectors may not add interest, fees, expenses or charges of any kind to the original debt. However a collector may charge an additional amount if :
I, XXXX XXXX have had issues with the accounting of my mortgage for several years now. However, my loan was transferred and it immediately went into foreclosure. Aldridge and Pite, LLP is the current foreclosure attorney attached to my property. When the loan was transferred to XXXX XXXX XXXX and Aldridge and Pite ; several times I have asked for a payoff and other accounting details. They ignored my request and sent me a foreclosure notice for XXXX XXXX, 2016. I had to ask on 3 separate occasions for the payoff and other accounting details along with an original notice of Debt Validation. On XXXX XXXX, 2016 I received an email that contained a payoff however, it did not contain the documents to satisfy a validation of Debt. I have expressed to the Lender that I would like to pay the mortgage in full. However, they are unwilling to call off the foreclosure even though I sent a validation of Debt that has not been fulfilled and a request for payoff which took over 3 weeks to receive. I do feel as if Aldridge and Pite are prohibiting me the right to proper validation under federal law rights to proper accounting under state law as well as the time frames within Georgia State Law that allows a homeowner the grace period to payoff any delinquency since all collection activity should have ceased after I sent in a request for debt validation and payoff quotes. This is a disgrace and further proves that lenders, banks, and the attorneys that represent them would rather keep you in debt and foreclose on your property then allow a homeowner to pay off the mortgage or satisfy the stated delinquency they claim you owe. I believe they dont want me to payoff the mortgage because off because the servicer and foreclosing attorney have no interest and standing to process the payment and file the legal documents necessary to show that I paid the proper Lender IN FULL. As a result I am filing a complaint and need some explanation from the Lender and Foreclosure attorney as my consumer rights as an individual have been abused and neglected. Attached is a 2nd notice of Debt Validation and attached is an email from an attorney at Aldridge and Pite along with the payoff. I have received no other documentation from the firm as they refuse to send the documents necessary to validate the payoff.
My son 's address appears on my report. 
ie : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX. XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX   PA, The above addresss do not belong to me. Please remove from my report. 
Hopefully my son 's credit score is not mixed with mine. Please investigate and make sure my SS is not confused with his.
Fay Servicing forced me to obtain hurricane insurance so I ended up back in XX/XX/XXXX. They threatened me with obtaining expensive outside insurance. I cancelled my existing with XXXX XXXX via XXXX XXXX XXXX in XXXX XXXX, Hawaii. 

I signed a policy cancellation in XX/XX/XXXX the company sent a refund of {$920.00} and sent it to XXXX XXXX XX/XX/XXXX. 

I never once received a new policy from Fay Servicing or showing where that refund went and the amount of the policy. I have called numerous times with no success and believe they are crooks and refuse to show me where all the money went. I got a refund from them of {$260.00} because I sold my house in Hawaii which closed on XX/XX/XXXX and I plan to call tomorrow again but do not believe there will be much success. At XXXX years old I have never dealt with such a horrible mortgage company. 

I want a detailed schedule of where all my money went monthly of {$440.00} plus the {$920.00} that I sent them in XX/XX/XXXX. 

I believe that Fay Servicing owes me more money so hopefully you can contact them and get them to give me a detailed listing of where all my money went.
XX/XX/XXXXThis morning i woke up to catch my credit reports in a last ditch effort to see why my application to an apartment was denied. I checked all XXXX, and was only able to get my XXXX report. After looking it over, the reported information is correct. 
However the other XXXX i was unable to obtain due to some extremely obscure questions the system was asking me : Auto loans opened in XX/XX/XXXX, And XX/XX/XXXX ( I do n't own a car ) Credit cards with shopping centers, and banks, some in other countries. ( I have n't owned or been able to get a credit card, nor have i been XXXX. ) All of these things are quite are making me quite concerned. and I 've been unable to understand what is going on. 

I 've applied for XXXX credit cards in my life, ( XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX, respectfully ) and XXXX were denied. I 've personally had past issues checking my credit, but wrote it off, as I never really required credit up until this point in my life. 

Judging from the questions i was asked, I have apparently applied, and got, several cars, houses, and loans in not only the United States, but somewhere in XXXX as well? 
I have n't been out of the state of TN since I was XXXX, ( i am XXXX, going on XXXX ) and I 've not been XXXX since a cruise I took when I was under the age of XXXX. 

I 'm a good, honest, and hard working individual that wants to get his life together, and pay back what i *DO* owe to *AN* apartment, and a single hospital bill, both totaling out to a little over XXXX XXXX ... 
I 'm concerned that my identity has been stolen, and scared that i 'm screwed and do n't know how, or where to proceed from here! Please, somebody out there help me!
In XXXX the homeowners insurance company I had with XXXX of the companies XXXX partners with raised my insurance from around {$800.00} to a little over a {$1000.00}. What I could not understand was why and none of XXXX 's agents could provide an answer. My house value had not increased at all. Later I received a bill from LoanCare where my mortgage went from {$850.00} to {$890.00}. I found out later it was due to the increase in the homeowners insurance. I now have a lower cost homeowners insurance yet my mortgage payment is almost {$900.00}. LoanCare I find has a XXXX rating and not only by me, but by several thousands of homeowners. Why? Why? Why? Would my mortgage be transferred to such an incompetent company. Not only that my mortgage has been sold three times and transferred three times as well. Is this what caused the crisis of 2008? If it is we maybe heading the same way, yet again. Something must be done and not only for me, but for others. Take action today by doing your own review and you will find LoanCare is a problem company. Thank you for your time. 

Sincerely, XXXX XXXX
Im reaching back out to you guys because you assisted my with some items on my credit that werent mine. There are still two items on my credit that I know nothing about. XXXX XXXX and XXXX XXXXl XXXX. This sound like something dealing with some type of medical. Im doing this on my own behalf and have already contacted the FTC and my local police. I have been on my job for over 10 years and have full benefits I have no need to go to the doctor without being able to pay. Please remove these items from my credit.
I had been working with this mortgage broker for over 6 months with a pre approval letter he told me that I qualified for a loan for XXXX. After looking for a home and submitting all the paperwork ad setting a closing date. I do n't get the home that I want. He kept lying to me about my credit, or my debt to ratio, or have n't been on my job long enough.
Back in  XXXX  of this year i received a letter in the mail from discover student loans stating that no repayment is required until  XXXX  and  XXXX  in   XXXX  . So i assume that everything on their was okay and that i would not have to worry about making any payments. About a week later in the same month i received a phone call from a representative at discover student loans asking me for a payment. I told them that i received a letter from their office that i do not have to make a payment until   XXXX  . I requested to speak to a manger about this matter. I then explain the manager the same situation, he then had me on hold for about  twenty  minutes so that he can find a copy of the letter that was sent to me, after th e manager   XXXX  came back to the line he informed me that he could not find a copy of that letter being sent to my home. At that point i felt like something fraudulent was going on because i find very hard to believe that he could not find a copy of that particular letter that was sent to my house. They are responsible for keeping record of all correspondence and letters being sent to me. Moving forward after that happen i been receiving harassing phone calls from them about a payment and i keep telling them about the letter. I even sent in a copy of that letter to them and they keep telling that they do not have it. I am tired of getting all day everyday about this issue. They are also threatening my co-signer of the loan as well. And the co-signer of the loan told them that she had know idea that being a co-signer for loan would make her legally financially responsible. They had informed her about a form to fill out that would basically file for fraud that i stole her identity to co-sign a loan for me when i did not do that at all. The co-signer is my grandmother  XXXX   XXXX , would could wrongfully implicate me because i did not steal my grandmothers identity to co-sign a loan, she had gave me her information with her consent and to consent to co-sign the student loan. I am tired of the harassment everyday by loan people that calls me everyday. They lied to me about not receiving the letter that stated to me that i did not have to make a payment until   XXXX  . I want the harassment to stop and they need honor according to the letter that they gave me.
I received my most recent statement from Chrysler Capital Friday XXXX XXXX. I made a payment using bill payer from my bank, which I use for all my payments with Chrysler Capital. Reviewing the statement I had questions about the balance on my loan. 

I contacted Chrysler Capital and discussed the issue with their rep. I confirmed that the original loan was for {XXXX}. I asked the rep to confirm how payments I had made. At one point it was XXXX, another then XXXX, and then XXXX. He had no idea which number was correct. Reviewing the statement it stated I had made XXXX payments of {XXXX} each. He confirmed the amounts of the payments. I asked why if I had made XXXX {$XXXX} payments why my payoff showed a total of {XXXX}. I asked why it was that high since XXXX X XXXX is {XXXX}. Subtracting the {XXXX} from {$XXXX} leaves a balance of {XXXX}. Why was the payoff {XXXX} more on the statement? 

He checked various records but could not come up with any explanation and promised to have someone or hi boss call me before the end of the day. No one called. 

I have no confidence that Chrysler Capital has any idea of what is going on with my account and do not trust them. Why ca n't they find records that can explain what happened to my payments and the discrepancy between my calculations of what the payoff balance should based on their record on my statement reporting I had made XXXX payments.
ON XXXX XXXX CHARGED XXXX XXXX VISA {$49.00} FOR A XXXX BANK. 
XXXX XXXX WAS SENT A TEXTBOOK. HE WAS NOT SENT A XXXX BANK. HE WANTS A FULL REFUND. SELLER MISREPRESENTED.
I filed bankruptcy in XXXX, I reaffirmed my home, signed by my former mortgage company and my lawyer on XXXX. My mortgage company XXXX XXXX XXXX XXXX went out of business and has been acquired by Nationstar Mortgage, I just found out that when I reaffirmed my home on XXXX it was never reported to the credit bureaus and looks like I have had no mortgage for an entire year. Therefore my credit is not improving and I 'm paying for my home all this time and in the eyes of the bureaus I have no mortgage. I have been tryng to work with Nationstar to correct this since XXXX, I have faxed over my signed court reaffirmation papers and they still ca n't seem to report this information to the bureaus.
Collins Asset Group , LLC never sent me notification of this alleged debt until after I reached out to them in the form of a dispute. I saw a negative entry by this company on my credit reports in XX/XX/2018. This company claims I owe {$10000.00} to XXXX XXXX XXXX ( TX ). I wrote them a letter of dispute and also notified XXXX and XXXX of the erroneous mistake. Collins Asset Group did not remove the negative mark on my credit reports and in fact, told the credit bureaus this was a valid debt. I then reached out to the alleged original creditor and spoke to the owner of XXXX XXXX XXXX, Mr. XXXX XXXX XXXX. He told me that he has no knowledge of Collins Asset Group and he never hired them to pursue me because, I do not owe him any money. I received a letter dated XX/XX/2018 from this company and I decided to pay a visit to XXXX XXXX XXXX and to show them the letter as proof this company claims I owed them money on XX/XX/2018. Mr. XXXX immediately said this is not accurate and proceeded to call the phone number from the letter ( XXXX ) XXXX. A female named XXXX refused to talk to Mr. XXXX calling him a third party and that she needed my permission to speak with him. When I took the phone to give her permission to speak to the owner they claimed is the original creditor, she then refused to talk to me as well. I asked for a manager and was told none was available and that I need to once again, put my dispute I writing. Mr. XXXX, just a frustrated as I was offered to help by writing the enclosed letter and asked me to attach his business card for verification. Im in need of assistance and would like this company to stop pursuing me and remove this negative mark from my credit reports. 

Sincerely, XXXX XXXX XXXX XXXX
I 'm a former credit card holder with US Bank. I closed my account in XXXX XXXX when I moved out of California, but an unauthorized fraudulent charge was posted on the card in XXXX. Since US Bank had no forwarding address for me, they let the fraud charge stay on the account and added late fees on top of the charge. They finally tracked me down in XXXX XXXX with a notice to submit the charge to a collections agency. I called their Fraud department and opened an investigation into the charge. They finally resolved the dispute acknowledging that the charge and the associated late fees were not my responsibility. They closed the account with a zero balance. 

But my credit reports from all XXXX bureaus are still showing six months of late charges, completely trashing my credit score. I 've been calling US Bank card holder services, the Fraud department, the Collections department and their regular customer service and nobody is interested in helping me resolve the issue. Every time, I get transferred to XXXX or XXXX agents who finally hang up on me. This is the worst possible customer service ever possible and I have no recourse to fix these late-payment items that are not even my fault. I 'm hiring a credit repair agency to dispute these charges but I want others to know how bad this bank can treat you.
On Monday XX/XX/XXXX I noticied that I received an additional overdraft fee for a transaction that was conducted on the XXXX. When I spoke with the rep she stated that it was a result of processing on the merchants end. At that time I was in the negative and was not notified that I would need to bring my account positive within a certain time frame. On Wednesday the XXXX I set up an ACH debit to come out of my account. When I checked the mobile app and ATM on Thursday the item was not pending. When I checked my account on Friday the item had posted and I was assessed a overdraft fee. Had the item been shown as pending or I was notified that the item would be coming in I could have made the account positive to avoid fees. I was also assessed a fee for my account being OD for 7 days. Had I been notified that this would occur then I would have again attempted to bring the account back positive
I have had my mortgage loan {$330000.00} balance since XX/XX/XXXX. City National Bank acquired the loan and is now who I make payments to. I have always paid on time and always pay more than my minimum payment which is only {$2200.00}. I have paid $ 2600- {$2800.00} every month on time and have the payment coupons to prove it. I always walk my payment in to the branch to ensure I get a copy of the payment coupon. On XX/XX/XXXX I received a phone call from XXXX XXXX at City National Bank requesting I make some necessary repairs to my property. I told her I was out of town and would handle it right away. By XX/XX/XXXX I had already done the repairs they requested that totaled over {$10000.00}. I then send an email to City National Bank with my receipts and photos of the work completed within 30 days of the call. City National then send an inspector within the next few weeks to see the property. A few weeks later, City National Bank send me a new list of more repairs they requested. I had just finished spending $ 10,000+ on the property. They are now asking me to do some unnecessary upgrades. Meanwhile, they start reporting my mortgage as being late and start sending me letters that my payments are behind and I am not sending enough to cover the payments. I continue to pay almost $ 400-600 more than my minimum payments required. They continue to report on my credit as late. My credit has been ruined now. I am stressed and don't know what to do to get them to stop. I can provide copies of my email chain communication. PLEASE HELP!
On two occasions Lending Club received from me a payment for {$460.00} instead of the correct amount of {$460.00}. They rated these payments as LATE and assessed a {$15.00} XXXX XXXX Dollar ) Late Fee for XXXX cents. I think this is a total outrage and if it is not unlawful I can not see why it is not. On XX/XX/XXXX Lending Club received my check payment of {$460.00} and called me to say it was LATE because I did not include the LATE FEE charged for XXXX CENT ERROR. I enclosed a letter a copy of which follows : I am old and copy last payment. This is how it happened twice. Please do NOT consider my account late due to this. You are truly AWFUL to deal with and I have been a very good customer for quite a long time. I am today mailing {$460.00} by first class mail. In time past you never sent an email with actual payment due and it was somewhat difficult to look up. You have corrected this but only to PUNISH your customers. You are AWFUL. IMPROVE. Here is the history which includes the pair of incorrect payments and the fees : ID Date Description Status Amount Hope you 're doing well. We all have a lot going on, so we wanted to remind you that on XX/XX/XXXX your payment of {$480.00} is due. If you have already contacted us or sent in your monthly payment, you 're all set! XXXX XX/XX/XXXX Check Received Posted {$460.00} XXXX XX/XX/XXXX Check Received Posted {$460.00} XXXX XX/XX/XXXX Check Received Posted {$15.00} XXXX XX/XX/XXXX Check Received Posted {$460.00} Balance Overview Loan Status Late ( 16-30 days
This dispute is regarding account # XXXX for XXXX XXXX. 

This is a dispute letter regarding an account for XXXX XXXX XXXX. 
I originally purchased a vehicle for a 12-month lease on or about XXXX. Once the 12-month lease was up, I had the option to either turn the vehicle in and they will bill me the disposition fee or take it out of my original down payment of {$970.00}, or if I still needed the vehicle, I would have to put down another down payment for an additional 12 months. I opted to return the vehicle, which I was informed by the account rep that I had until XXXX to return the car without any additional fees being added. The account rep also informed me that if there was any damage or additional fees ( disposition fee ) that it would be taken out of my initial down payment or I would be billed for whatever amount remained. 
When I returned the vehicle on or about XXXX ( I had purchased another vehicle several days prior ) I was also informed that if there were any additional fees that did not apply towards my initial down payment that I would be billed. 

1 year later, I checked my credit report and the finance company of XXXX XXXX, has recorded a charge off amount of {$12000.00} with a 39-month term  and a monthly payment of {$310.00} on my both my Experian and XXXX  credit files, and {$6300.00} for 12 months on another with a monthly payment of {$150.00} on my XXXX credit file. 

My agreement was for 12 months with the option to lease again at the end of my 12 months and a monthly payment of {$150.00}. As of XXXX/XXXX/XXXX, this company was paid a total of {$7000.00} from XXXX to XXXX. This vehicle was returned on time with no additional monies owed. 

Furthermore, I contacted the company in XXXX XXXX to ask for my credit report to be adjusted from the amount owed/charged off amount of {$6300.00} to be corrected. The account manager then informed me that the amount that is seen is what was financed and not owed. At this point the finance company is refusing to correct their issue. After I disputed this issue in XXXX XXXX, XXXX XXXX sent me an email, with a settlement offer for {$220.00} ( for an amount I did not owe ). I asked that if I paid the amount would they removed it off of my credit report, I was told no. 

I have since called the dealership in which I leased the vehicle ( XXXX ), to request a copy of the signed leased ( I have moved since I purchased the vehicle and a lot of paperwork was lost ). I was informed by the Sales Manager that they were under new management and that they no longer have those files ( he did attempt to look for my file in their system ). I was then told to call the finance company, which I did. I asked if there was any way that I could get a copy of the signed leased and I was told no and that I basically had no rights to dispute. I was told to pay the {$220.00} and that the charged off amount would remain on my all of my credit reports for the allotted time. I have disputed this issue with the credit bureaus several times and still no resolution