WillisBack/dataset-financial-user-claim huggingface dataset:
Dear CFPB, On XX/XX/XXXX, I was approved by my Loan Servicer, Wells Fargo Home Mortgage, for a permanent loan modification. Unfortunately, my spouse, who is not on the loan, refused to sign the documents. I tried to save my home through XXXX XXXX Bankruptcy, but the combined payments were too much for me. My home was scheduled for Sheriff 's Sale on XX/XX/XXXX. When I reached out to Wells Fargo prior to the sale date, I was told that there were not any options available for a workout. A couple of days later, I was told that if I could stop the sale, XXXX would reevaluate my loan. I filed an emergency motion with county court and the judge granted the stay until XX/XX/XXXX. I am also working with the non-profit organization XXXX to assist me in these negotiations. Wells Fargo told XXXX that I have a lien on my home that was an issue with the modification last XX/XX/XXXX. The only issue at that time was not being able to obtain my spouse 's signature. Now it appears that XXXX is using the lien as an excuse not to assist me. I have the modification documents and the lien is not mentioned on there, nor is it from any correspondence from my Wells Fargo Home Preservationist. I simply want Wells Fargo to honor my modification, as I am in the process of divorce as well as negotiating the lien on my property. At the very least, give me a reasonable amount of time to clear up the lien.
This debt was owed and was with a different collection agency last year. I made arrangements and paid this debt in full, I was promised that it would be off of my credit report within a month of receiving the final payment. I did not hear back from that collection agency, but a few months later I began receiving bills for the same debt but with a different collection agency. I have explained to them that this has been paid, they claim to have no record because they are a different agency, and they still have not corrected their mistake. This debt is paid, and has been paid for months and I can not seem to get this problem solved. Please help me! This new collection company is called AFNI on my credit report and is trying to collect an old paid off XXXX XXXX XXXX bill. Either they are making a mistake or I am a victim of identity theft.
The J. C. Christensen & Associates , Inc. collections agency located at XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending a large number of letters to our address. The letters are addressed to XXXX XXXX XXXX who does NOT live at this address. XXXX XXXX XXXX is a neighbor who live across the street from us and just happens to have the same last name. We do NOT owe any debts to this agency, or any agency for that matter. It is an inconvenience to have to walk over to our neighbor 's house and hand over their letters every time we receive them. Finally, my wife took the measure of returning XXXX of these letters to the XXXX XXXX with a request to stop sending them, but the request has been ignored. I presume the agency thinks we are deadbeats requesting a stop to collections activities when in fact we are NOT the rightful owners of this debt. Failure to cease communication upon written request is a violation of FDCPA. We request this agency cease and desist from sending letters to our address. I also have UDAAP concerns about the letters. The letters do not name the creditor and just say " Time Sensitive Document ''. The most recent letters are yellow envelopes inside of a white envelope with a clear panel on the outside envelope, which seems pretty shady. I never open these letters, since it is a crime to open someone else 's mail, but finally did a XXXX search on the return address to identify the creditor. We sincerely hope the CFPB can bring a stop to these harassing letters and change the business practices of this agency for good.
I have a Kohls credit card. the balance on it has been XXXX for over a month. i have called them and according to Kohls it has been reported already. 
My credit is still showing as I owe them and this is affecting my credit, my ability to get a lower apr for the car loan. I would like this resolved asap.
To Whom It My Concern, XXXX XXXX XXXX in Illinois has continually tried to collect on and old credit card debt that is past the statute of limitation in Florida. Today, XX/XX/XXXX they called me on 3 separate occasions using an automated dialer. I have not given my express consent to this or any other company to call me using an automated dialer. In fact my number of registered on the Federal Do Not Call List. 

Today they threatened that they have a judgement against me and that it will be enforced on Monday XX/XX/XXXX in XXXX Co Florida. They stated that the only way for me to avoid this action was to pay them some {$1900.00} today. First I have never been notified or served with a summons regarding any suite . Second, the credit card debt in question is over 10 years old and is past the statue of limitations to sue in for judgement in the State of Florida. 

The false threats and the phone calls to my cell phone using an automated dialer without my expressed consent are clear violations of the FDCPA and CFPB regulations. On top of that they call me three times in one day the first call was at XXXX, the second call was at XXXX and the third call was at XXXX. I picked up and answered all three calls. It was in the second call that the agent threatened the legal action and demanded payment to stop the legal action today. 

Sincerely, XXXX XXXX
Chapter XXXX was disputed, and trans union as well as XXXX removed it, however upon review of my report, not XXXX but most of the report dates on the information with Equifax do n't match, or totally wrong, thus causing the negative item to remain with Equifax longer. 
XXXX XXXX, XXXX appears on my report, that was reported as XXXX and removed as XXXX, reinstalling information that was already removed as Time barred.
FOCUS FIN ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FOCUS FIN or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FOCUS FIN or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
As a continuation of my complaint (  XXXX  ), I was unable to dispute  Nelnet 's respo nse because both CFPB  and Nelnet 's web sites were being upgraded this weekend. Following my initial complain t, Nelnet offered me a Revised Repayment Plan, which they had never previously offered or m entioned to the amount of $  XXXX . That is still a payment that is too high for me. My wife and I file taxes jointly, which seems to greatly effect my income-based repayment plan. She has her own student loan balance of $  XXXX  to pay  ( which I sent proof of with my required income-based repayment plan ). The re p on the phone assured me that if I sent proof of her student loan responsibility that would greatly decrease my income-based payment. That did not happen. After proving my wife 's income, having her own loan balance, a child, and a house, not enough came off of my monthly payment to actually make it continuously payable.     This is a predatory and truth withholding industry that will crash like the housing market did. I get the sense that they know this and are trying to make as much money as possible before their ultimate demise.
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2017.
After chapter  XXXX  completion my credit report now shows a balance on an account from   XXXX   XXXX  . This is inaccurate and a violation of the federal court order. Please review the following documents. I recently completed my chapter  XXXX  and all creditors should be listed correctly with a  XXXX  balance. Review carefully and follow the law. Account should be closed and show  XXXX  balance.
On XXXX/XXXX/2017 I filled out some contact information on line regarding mortgages. On the same day I was contacted by an employee of Quicken Loans and we discussed different scenarios. I told him that I had excellent credit. At no time during the call was I asked for my permission to have my credit pulled. I was very surprised to see a hard pull on my credit report and notified Quicken Loans immediately by phone. They looked into it and determined that I had given permission and that they would not remove it from my report.. Since all calls are recorded, they played back the call for me. As I remembered, I was never asked if they could or told that they were going to run my credit. Their reasoning was that their employee explained enough to allow them to pull my credit. Their business practice is deceptive and misleading to any consumer.
This complaint is about XXXX XXXX. When they call numerous times a day, their phone number comes across as " Restricted ''. When I reject the phone call, they immediately call again, sometimes multiple times in a row. I have asked them to quit calling me and to send me correspondence through the mail, and they have failed. I have asked multiple times. The amount of times they call a day I would consider harassment. It is completely over the top. 

Here 's the call log : XX/XX/XXXX - 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 XX/XX/XXXX - 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 XX/XX/XXXX - 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 XX/XX/XXXX - 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 XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX I have more history if you would like, just let me know.
I inquire about this loan, the explanation was i already paid the loan and it not even going toward the payment, so i been laid off as of XX/XX/XXXX/17 waiting for the unemployment to se if i am qualify
I received a notice from XXXX XXXX XXXX ( XXXX ) stating that our payments were going up and we were short in escrow of the amount {$2000.00}. Our loan was transferred from Wells Fargo Home Mortgage to their company in XX/XX/XXXX. Our payments with Wells Fargo and XXXX are current and up to date. So there should not be a shortage with our escrow account. Our bankruptcy was discharged early last year and we received a noticed that there was an escrow overage and we received a escrow refund check for {$2100.00}. We received a refund because Wells Fargo was supposed to apply the pre-petition payment of {$2600.00} to the escrow account. I called Wells Fargo on XX/XX/XXXX regarding the matter and the escrow representatives and customer service understood and verified that the pre-petition was not applied to the escrow account as stated. Please review all verified bankruptcy documents from my attorney. If the escrow was short as Wells Fargo as stated they would not have discharged the bankruptcy as stated in the documents.
I had collections that I paid with this debt collector. They then said that I was responsible for my husbands accounts with the. I told them no because they were not mine. They reported to the credit bureau that they were mine and that I had created the debts. I called the credit bureau and asked and they said absolutely not, they ca n't do that. I disputed the debt twice and the agency is still reporting that the debt is mine. The accounts # and dates for this is the same as the collections on my husbands. They were not joint accounts and we both do n't go to the emergency room on the same dates. The credit reporting agency still keeps saying I have to pay it and keeps reporting this as bad credit.
I submit a dispute to XXXX, and advise them that a negative account is being reported twice. I have tried on 2 occasion to try and resolve this issue with XXXX customer service which has meet with negative results. 

As a result I have been unable to find housing due to having this issue on my report.
This is a followup to a previous complaint against TransUnion. TransUnion lied to CFPB that the deliberate erroneously reporting of XXXX XXXX ( XXXX ) on my credit report would be deleted. Account was due on XXXX XXXX, 2016, was reported as being 30-days late on XXXX XXXX, 2016, and verified as being true on XXXX XXXX, 2016 by TransUnion. TransUnion stated that the item would be deleted as according to Fair Credit Reporting Act. This was not done by TransUnion. Item was only updated and is still on credit report. This is unacceptable and a violation of federal law. Also, XXXX ( XXXX ) is in violation of Alabama law. According to Alabama usury law, this item is paid in full because a 400 % interest on an installment loan of {$2200.00} is unconscionable high. There is no waiver. Consumer is demanding this item be deleted immediately. Transunion and XXXX are deliberately violating the FCRA, and the remedy for this violation is a lawsuit with a monetary award. FCRA is clear and do not warrant an updated -- a deletion. This entry on my credit report speaks to the character of the company that consumers have to deal with -- taking advantage of the sick and poor. XXXX XXXX ( XXXX ) knows the scam it has.
TD Auto has multiple late payments notated on my credit report. These payments were made on time and the loan is now paid off. TD has failed to report any payments since XX/XX/XXXX.  These late payments should be updated to on time and my account should show as closed in good standing. 

Late payments that should show as on time include : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; and XX/XX/XXXX. 

I contacted TD Auto on XX/XX/XXXX to ask that they update this information and paid off the loan completely. I now have the title and the note from TD saying my account is closed in good standing, but reporting to credit bureaus has not been updated. I am filing a complaint to update these late payments as on time and close this account in good standing.
After reviewing my credit report I have several accounts opened in my name over the past few years. I have tried to fix these issues and they keep coming back as mine. I work 50 hours a week with 2 roommates who are able to order things without my knowledge ( In which Im also pressing charges ) ... I told this company even though you guys have my address I did not open these accounts and I talked to someone who stated the accounts were opened with just my last 4 digits of my social. Im sure if my full social was asked for this could have been avoided.On top of these accounts on my credit XXXX and XXXXXXXX XXXX continue to attach late fees on a closed account and XXXX sent this account to collections.I will not pay for a account I did not open and your company need more information than just the address is the same ... Before i get my lawyers im giving this company one final time to make this right as this has been a nightmare and Im unable to purchase a house. I am asking for proof that I open this account something more than a  matching XXXX address.
Consumer Finacail Protiection Bureau fined Wells Fargo XXXX XXXX dollars for is illeagal practices as a bank.

Six years Wellsfargo continued to charge me maintenance fees saying if I didnot use my debit card at least six times a month I would be charged a fee. I was some times in the negative each month because I would not use my debit card 6 times a month. Wells Fargo has not paid me the money that is owed to me from the Order Consumer Finacial Protection Bureau ordered them to pay all effected by Wells Fargo Illegal practices I received something in the maill about the controbution last year but Wells Fargo hasnot sent me any money for damages.
I recently settled the amount that XXXX XXXX XXXX accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XX/XX/XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XX/XX/XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XX/XX/XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XX/XX/XXXX statement showed an annual fee of {$50.00}. By XX/XX/XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed until XX/XX/XXXXwhen a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor in XX/XX/XXXX to work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XX/XX/XXXX.
I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance.
As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XX/XX/XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX Acct XXXX ( XXXX, XXXX, Transunion ), XXXX Acct XXXX ( XXXX, Transunion ), XXXX XXXX XXXX XXXX  Acct XXXX ( XXXX ), XXXX Acct XXXX ( XXXX , XXXX  , Transunion ), XXXX XXXX  Acct XXXX ( XXXX , XXXX  , Transunion ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX , XXXX ), XXXX XXXX Acct XXXX ( XXXX , XXXX  ), XXXX XXXX Acct XXXX ( XXXX ), XXXX Acct XXXX ( XXXX  , XXXX , Transunion ), XXXX XXXX Acct XXXX ( XXXX , XXXX  , Transunion ),  XXXX XXXX XXXX Acct XXXX ( XXXX , Transunion ), XXXX Acct XXXX ( XXXX  , XXXX , Transunion ), XXXX, XXXX Acct XXXX ( XXXX  ), XXXX XXXX XXXX Acct XXXX ( XXXX , XXXX   , Transunion ), XXXX XXXX Acct XXXX ( XXXX , XXXX  , Transunion ).
On XX/XX/2019, I was charged 3 {$34.00} insufficient fees. When I checked my account at XXXX XXXX on XX/XX/2019 I had my direct deposit pending in my account that more than covered the purchases that I had made on XX/XX/2019. I even transferred {$100.00} to my savings account because I had a positive balance at XXXX XXXX on XX/XX/2019. When I checked my account again later that day I found I had a negative balance of ( {$16.00} ) because of the 3 insufficient fees. I called Chase and the customer service representative said that the vendors collect their funds at XXXX the prior day ( meaning XX/XX/2019 ). I told the representative that this had never happened to me before and at XXXX XXXX  XX/XX/2019 I had a positive balance and able to transfer money. So if the vendors collected money at XXXX XX/XX/2019 how was it possible to do what I had done? However, I was able to get two of the three insufficient fee of {$34.00} credited back to my account but not the third.
I sent Experian a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. Experian received this letter XX/XX/XXXX ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:XXXX XXXX XXXX Account # : XXXX. XXXX XXXX Account # : XXXX. 

According to FCRA 15 U.S. Code XX/XX/XXXXi sub-paragraph ( a ) ( 7 ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA 15 U.S. Code XX/XX/XXXXn Sub-paragraph ( a ) 1 ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
I was the victim of a bait and switch scam by a painting contractor ( increased the price of the signed contract by {$3500.00} ). I disputed the contract deposit amount paid with my credit card as I cancelled the contract when I was notified of the price increase and had to hire another contractor to do the job. The bank has continually delayed resolving the dispute, asking numerous times for information already supplied, changing the dispute reference number, falsely claiming that I agreed to pay the disputed amount and closing the dispute accordingly, refusing to provide timely written documentation of the status of the dispute and what they need from me in addition to all the documentation I've already sent. I have not been able to reach a supervisor at the bank with the authority to resolve the dispute, nor have I been able to speak with the same person twice in order to follow up.
HELOC through Suntrust mortgage was forgiven in bankruptcy in 2015. Received XXXX on forgiven debt. No debt on credit report yet Suntrust refuses to release lien on property so that we can refinance.