WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a home in XXXX, SC with a mortgage from Wells Fargo Home Mortgage on XX/XX/XXXX. I have an escrow account with Wells Fargo where monthly payments include funds for property taxes in XXXX County, SC. Also, an initial escrow payment for property taxes was paid at closing totaling {$2200.00}. According to the 1098 from Wells Fargo in XX/XX/XXXX I paid {$2600.00} into escrow with them for property taxes. The Wells Fargo mortgage statement of XX/XX/XXXX states that they dispersed {$2600.00} to XXXX County for property taxes. I received an Execution Notice dated XX/XX/XXXX from XXXX Countys Office of Delinquent Tax Collector for delinquent taxes, penalties, fees and costs ( {$3000.00} ) threatening tax sale if this amount was not paid, claiming my property tax for XX/XX/XXXX had not been paid. Following multiple attempts to get Wells Fargo to resolve this and explain, on XX/XX/XXXX I went to the XXXX County Treasurers office and they confirmed that my property taxes were never paid. I immediately paid the amount claimed to clear my name. Ive made numerous attempts since that date, including phone calls and online complaints, to get Wells Fargo to reimburse me without success. Initially they told me they would open a case to investigate and resolve the matter by XX/XX/XXXX. After complaining again that Id heard nothing, I was told the case was still open not resolved and needed until XX/XX/XXXX. I again requested an immediate explanation and reimbursement of the amount I had paid. Absent any timely satisfactory response or reimbursement as of this date, I am filing this complaint. requesting reimbursement of the {$3000.00} paid by me out of pocket plus interest.
I requested a credit report from XXXX, equfax, and XXXX and they refuse to give me a credit report after I was denied credit.
On or before the due date of XX/XX/18 I paid off my XXXX XXXX credit card balance. On the next billing statement I received a charge of {$2.00}, which is described as " Fees '' on the bill. I called XXXX XXXX and was told that this charge was for interest, even though I paid the balance in full by the due date. XXXX XXXX will remove the fee if you call, but why should you have to do this? And for those people that don't call, they will either be paying {$2.00} that they didn't really owe, or if they don't pay because they think they don't owe anything ( because they had already paid off the balance ) they will have a {$37.00} late fee for a {$2.00} bill they didn't owe. 

As I understand this practice is known as " double cycle billing '' and is illegal. I request that XXXX XXXX stop this illegal practice. 

Thank you for your time.
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in  question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Pursuant the Fair Debt Collections Practices Act, Equifax must delete and remove the following item off my credit report/file : Account # XXXX XXXX Bankruptcy XXXX. I have previously submitted disputes with Equifax along with the necessary XXXX  and law enforcement reports necessary to block this item from appearing on my credit report/file. Equifax uploaded these legal documents to my disputes. I confirmed this with an Equifax supervisor. I am a victim of identity theft. The other XXXX XXXX Agencies have completed their investigations and have removed this item, Account # XXXX which can not be verified and must be deleted. Furthermore, the phone number [ XXXX ] appearing on my Equifax credit report is not mine, I ask that you also delete this inaccurate information. Lastly, I request a free copy of my credit report and file from Equifax pursuant the Fair and Accurate Credit Transactions Act.
I had previously filed a complaint against Key Bank and now it seems as if they are retaliating against me by charging ridiculous fees. I have disputed their response of that complaint with the details. However, THIS complaint is to get my {$40.00} back for their Rewards Program Annual Fee that I paid since I will not be banking with them DUE TO THEIR OWN ACTIONS and can not therefore benefit from the Rewards Program any further because I am closing my account within the next week or so when I have time to get there and do so. I have already cancelled my direct deposit and now just have to check out some other financial institutions to see where I wish to bank. 
So, the {$40.00} they charged me for their Rewards Program Annual Fee should be returned because DUE TO THEIR ACTIONS I will not be able to " cash-in '' on my rewards points since I will be closing my account soon.
This company has reported to a credit bureau that I currently owe debt to a phone company I have never had. I 've contacted this company to have it removed and for them to cease contacting me and they have continued to harass not only me but my family friends and MY JOB! I have dates and times of recorded voicemails that I have forwarded to my lawyers to prepare to file a class action lawsuit against this company
My ex spouse ( respondent  )  attorney  XXXX   XXXX   XXXX  subpoena my business bank account statements on  XXXX   XXXX ,  XXXX , due to be produced on  XXXX   XXXX ,  XXXX , at her law office. My attorney  ( petitioner )  filed a motion to Quash the ordered on  XXXX / XXXX / XXXX , the motion was heard by  XXXX   XXXX   XXXX  on  XXXX ,  XXXX  in dept  XXXX . My motion to quash was denied and a protective order was granted filed in court on  XXXX   XXXX ,  XXXX . Respondent attorney sent to Chase on  XXXX   XXXX ,  XXXX  a copy of the order with the decision not to quash along with the subpoena dated  XXXX   XXXX ,  XXXX , with documents due back to the law office by  XXXX   XXXX ,  XXXX . Chase rejected the subpoena as the due date for documents to be received preceded the delivery date by 5 months.   Respondent Attorney issued another subpoena dated  XXXX   XXXX ,  XXXX  with a due date for documents to be received by  XXXX   XXXX ,  XXXX .  Petitioner ' s attorney filed a motion to quash on  XXXX   XXXX ,  XXXX , which was served on Chase and to be heard by  XXXX   XXXX   XXXX . Respondent attorney after receiving the motion quash informed Petitioners attorney that she had withdrawn her request for the subpoenas served, dated  XXXX   XXXX ,  XXXX .  Chase  released  Business  Bank statements on  XXXX   XXXX  without a valid subpoena and against their own objection to the subpoena dated  XXXX   XXXX ,  XXXX . This bank statements were presented in court by the respondent on  XXXX   XXXX ,  XXXX  who is currently representing himself in pro per. Because of the unauthorized release of the business statements by  Chase,  this has caused me to expend additional legal cost beginning with a motion in  XXXX .
we were in bankrupcy with nationstar, they claimed they were not getting payments from bank rupcy court.. we pulled out of bankrupcy and started sending payments o them. i belive they are holding the late payments from bankrupcy court agianst me. if i was months behind they would have reposessed. my atorney was XXXX in XXXX va, the bankrupcy court judge was a XXXX
Capital One Auto Finance has on ( Regular Inquiries ) Requested On XX/XX/XXXX -- - XX/XX/XXXX -- -XX/XX/XXXX -- - XX/XX/XXXX -- - XX/XX/XXXX there should not be Hard Inquiries from Capital One back to back as XX/XX/XXXX & XX/XX/XXXX back to back that's a heavy impact and should not be done I did not apply for credit on all these days and why 2 days apart that was a hard impact on my credit. 

XXXX is at fault for 2 day back to back impact that is not by law considering I was not applying for credit
After accepting the Experian offer for a report for XXXX dollar XXXX {$1.00} XXXX, Experian enrolled me in an unwanted monitoring program. I discovered on XXXX/XXXX/2015 that Experian has been charging my credit card for unwanted services monthly {$23.00}. I called the company XXXX on XXXX/XXXX/2015 and was given the phone number XXXX. The representative at the XXXX number said they would cancel my " membership '' but would not cancel the previous monthly charges. In my opinion, the information provided at the Experian website was misleading and their decision was improper to retain the previous XXXX monthly payments totaling {$47.00}.
I 've tried to open an account with Chase and they said I needed proof of address with a cell phone bill. I provided a printout of the statement from XXXX XXXX and they still denied me of opening up an account.
XXXX XXXX XXXX keeps reporting that I owe them {$68.00} and I have already paid them. I also paid them {$68.00} again recently ( X/XX/2017 ). Although I paid them it still remains on my credit report.
experian is not providing my credit report. i am unable to refinance because of this. 
they do not offer any explanation. nobody in the agency is able to help. 

no problem with the other XXXX credit agencies.
have an ongoing case ( XXXX ). I am a victim of a fraudulent car loan. The vehicle I purchased throu h have Gateway One Finance is a Lemon vehicle and is not sellable. The partial response received from Gateway One through CFPB was the first written response to my situation with the lender. I was told as I stated in my previous complant filing by XXXX at Gateway One that they do not send written notification of a fraud investigation and their findings to their customer. In Gateway One 's response, they sated that they have been reporting to the credit bureau that my account in a dispute status. This is absolutely not true. This instuition is now damaging my credit report by reporting late payments. The statement that the representative wrote in response to my CFPB complaint is about reporting dispute status is just another deceptive practice used by this institution and is steadily causing damage in my financial and credit situation.
XXXX  report shows an account change made on XX/XX/XXXX obtained through 3rd parties. I received an alert from XXXX XXXX   about changed account reported by XXXX stating dispute was resolved. On XX/XX/XXXX I received an alert from XXXX a collection account was reported by SEARS/CBNA with a credit limit of {$2400.00} opened XX/XX/XXXX. The reporting source was XXXX.
I am being contacted at my place of employment after submitting XXXX complaints online stating that I can not receive collection calls at my job and after removing my work number off of my account.
Credit card account of more than {$1500.00} was paid off immediately after being sent to collections. Several months after paying off the debt, the account is still showing as an unpaid and derogatory account on my credit report.
XXXX : XXXX # XXXX & XXXX XXXX 
Wells Fargo Mortgage have been billing us in error during the Chapter XXXX bankruptcy XXXX NO : XXXX. The recurring monthly billing statement ( see attached Statement ) erroneously indicate the account is {$120000.00} in the rear or past due. 
According to the attached Trustee Financial Summary in Case NO : XXXX total of {$80000.00} was paid to Wells Fargo Mortgage which has not been credited to our account. The fraudulently file a Notice of XXXX on or about XX/XX/2016 claiming we owe {$120000.00}. Wells Fargo Mortgage XXXX XXXX XXXX XXXX filed a False Declaration of Compliance in XXXX certified under penalty of perjury to the XXXX XXXX XXXX XXXX to fraudulent initiate Notice of Default and Election To Sell Under Deed of Trust filed on XX/XX/2016 with the XXXX Recorder Trustee Sale # XXXX. 
Wells Fargo Mortgage is also in violation Pursuant to California Homeowner Bill of Rights, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX. XXXX. XX/XX/XXXX ) & CFPB rules, effective XX/XX/XXXX :
The loan on my home was being serviced by Litton Loan Servicing. I got behind on the loan because of health issues. My friend and associate loaned me money to bring the loan current and she was given an ownership interest in the property. She was given full Power of Attorney to get any information on the loan and to act on my behalf. The insurance policy on the property was changed. The premium for both the old policy and the new policy was taken out of the escrow account. An insurance premium of {$1600.00} was refunded to me. I was told to send the endorsed check back to Litton Loans and my escrow account would get the credit. The credit was never given. It was discovered that we had not received credit for several other payments. While we were in discussion with Litton Loan Servicing about the missing funds, we got notice the loan servicing was being transferred to Ocwen Loan Servicing. We were told by Litton Loans to take up the missing funds issue with Ocwen Loans. When Ocwen got the loan, the name on the loan changed as well as the payment and other charges. We still made every payment but four payments got lost in the servicing transfer. Ocwen Loans would not talk to us as the name on all the loan documents was now different and we could not provide identification in that name. It did not help that we were having very serious problems and the call center was overseas. They could not address the missing funds issue.Ocwen Loan Servicing started a foreclosure. The missing funds were never located or accounted for. The loan documents were in one name and the foreclosure was started in my proper name. The issue could not be resolved. We had to hire an attorney to represent us. The judge listened to all the issues in the foreclosure hearing and denied the Motion For Order Authorizing Sale. He agreed the accounting was problematic. The issue still has not be resolved. Ocwen Loans still wo n't talk to us and there is cloud on the title created by the name change on the loan documents. We can not afford another attorney. Massive fees are accumulating and a new foreclosure has been started. We desperately need someone to look into this situation and help us get an accurate loan balance and a clear title if the loan is paid off.
COLLECTORS KEEP REPORTING COLLECTING, CALLING ETC.. ESPECIALLY AFTER CEASE AND DESIST ORDERIN PLACE SINCE 2008 SEE LETTER FROM XXXX.
An unknown account, XXXX XXXX is currently reporting on my Experian credit report which does not belong to me. The account also was reporting on my XXXX account which I disputed and deleted from my report. Experian has not provided me with any mechanisms or procedures in their investigation.
Original Mortgage company is NATIONSTAR, ( XXXX, TX XXXX ). Mortgage rate of 30 year term beginning in XX/XX/2006 was 7.0 %. We applied for and received a home equity loan from XXXX at a significantly lower interest rate to pay off the original mortgage. The request for the payoff amount was made by us to NATIONSTAR by telephone conversation. This payoff amount was not detailed by telephone but mailed to us several days later. We closed on the loan on XX/XX/XXXX and a cashier 's check was mailed overnight by XXXX to the address that Nationstar provided. 
A mortgage statement arrived by mail on XX/XX/XXXX detailing a delinquent payment for XX/XX/XXXX, penalty charges and due XX/XX/XXXX payment. A phone conversation with Nationstar on XX/XX/XXXX ultimately revealed that they did receive a check but had not processed it because it was not in the appropriate amount of the payoff. 
When asked about any attempts to contact us in the interim, their reply was unintelligible to us. During this period we had noticed a definite stepped-up bombardment of invitations to refinance with them by email, US mail and special delivery. No successful contact was made until the mortgage statement. 
We paid the penalty and the XX/XX/XXXX mortgage payment while we tried to ascertain the disposition of the cashier 's check. Nationstar claims to have returned it to the XXXX. 
Alas, we 've been sent an image of the cashier 's check that WAS presented for payment by Nationstar. Nationstar processed our check for XXXX XXXX dollars on XX/XX/XXXX and our account has yet to be credited!
I was forced to carry XXXX mortgages and left with over {$20000.00} in overdue bills and damages when the tenants in my California home disappeared in XXXX 2015. I managed to cover everything, but had to juggle and barely made it. I got the house back on the market and sold, but I was financially in trouble until I received the monies from the close of escrow. I called Discover Card and explained to a representative my situation requesting that I be allowed to hold off one additional month and would pay in full on XXXX XXXX or as soon as the mortgage closed. The representative agreed to allow me to do that and said he would notate it in the billing notes. We had an agreement. At no time did he inform me that Discover would report me to the credit reporting companies, my understanding was, we had an agreement. I was finally able to plan on giving my family the new home I had been promising them for several years. Discover turned me in as late to the credit monitoring agencies and caused a XXXX point drop in my credit rating. I had nothing negative on my credit record prior to this. Nothing! Had I realized they would do this, I would have done everything I could have to prevent it, and in reality, thought I had. I had no idea they would do so, as we had an agreement. I called them. They were much less than concerned, one Discover representative telling me to read the full contract after explaining to her that this has placed and unfair, and in my opinion, extreme hardship on me and my family. I 'm retired. I 'm a XXXX and I do n't understand much of the financial working of credit companies and I 'm just trying to survive. But when I make an agreement, I stand by it. This has caused us to have to spend {$1500.00} to {$2000.00} a month more if I am going to give my family the home they deserve, due to a higher interest bracket and having to pay mortgage insurance, all due to the credit report from Discover Card, and their not honoring their agreement with me. Again, my credit was nearly in the XXXX prior to this. It dropped into the XXXX due to it. I feel Discover Card did not properly honor their agreement with me and I feel they should pull the negative report. Especially as I paid them in full as soon as I got the escrow money, holding up my end of the agreement.
On  XXXX   XXXX ,    2017, I se nt a certified lette r to USAA Savings Bank r equesting proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while infor ming USAA that the  debt has been disputed. Note : This certified letter was signed for by USAA on  XXXX   XXXX ,  2017.    On  XXXX   XXXX ,    2017, I p ulled my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received.   On  XXXX   XXXX ,    2017, I  sent another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.   I then pulled my credit report again on  XXXX   XXXX ,  2017 afte r they signed for the certified letter on  XXXX   XXXX ,    2017 a nd the information has yet to be updated to claim I have disputed this debt, nor have they informed me of what collection company this debt now resides.
Nationstar took over my mortgage XX/XX/XXXX. I have a sale date for XX/XX/XXXX. My advocate, XXXX XXXX contacted Nationstar prior to the XXXX XXXX, and days and every week but they did n't have me on record yet to work with them. XXXX XXXX dated letter with loan specialist XXXX XXXX was received on XXXX XXXX. On XXXX XXXX XXXX XXXX filed application for short sale, ( I had to file bankruptcy since XXXX after 4 years as I thought we were at modification instead, notification of transfer soon after sale date ) modification application could n't be done until BK was dismissed. My BK was dismissed the end of XXXX and my advocate spoke to Nationstar XXXX XXXX for modification application and was told my mod app was closed on XXXX XXXX because it was opened on XXXX XXXX and no paperwork was presented. What? He was also told you ca n't have application for modification and one for short sale at the same time. So short sale application was stopped and I called XXXX XXXX for modification application by email and mail. Nationstar sent my loan specialist XXXX XXXX dated XXXX XXXX received XXXX XXXX. I mailed application in XXXX XXXX it was returned to me on XXXX XXXX with zip code incorrect. I had returned XXXX XXXX 's phone call missed on the XXXX and again the XXXX now to get her fax number to send application to her directly. Then 3 calls that XXXX because now I 'm in a panic because I received sale date for XXXX XXXX. Finally XXXX returned my call and I was told too late with sale date for modification or short sale. Also told she would present a buyer with escrow proof etc. Have my advocate call with their details and she 'll present it. He called a couple of times with the 24-48 to return your call and no return call at all. I had so hoped for the opportunity for a fair chance to modify. XXXX XXXX and their lawyers XXXX XXXX XXXX have tried to steal my home over originally less than {$3200.00} and their 5 % interest only mortgage. With lawyers and advocates, organization helping to save my house? XXXX adults together with income over $ XXXX./mo. My mom XXXX and I have been there since XXXX, XXXX. My daughter and their family since XXXX. Grandchildren are set in progress schools in specific districts. My second daughter with XXXX from XXXX XXXX in her home is back here last week, back in a XXXX after a year of improvement, since her rental has XXXX XXXX now. After returned checks, chapter XXXX we have tried desperately to intelligently save our home. I could n't rent a room with my credit now. I can not believe I ca n't get the chance for help from these programs. I 'm a spec in the ocean. So sad and unfair. The payments and monies I 've spent to have nothing paid on principle. The arrears with all the legal fees, a crime, but I still want stay in our home and pay for it!! We are good, honest people. We are NOT trying to con or not pay. We are trying to save our home!!!