WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo home mortgage has made things worse. I have tried for two weeks to simply recast my mortgage. I was told someone from that department would call me within " 24 hours '' and no one has. Then I was told to go to a local branch and apply funds for payment, instructing the teller to apply all funds to principal, as ordered by Wells Fargo. Teller incorrectly applied some funds to income. I alerted Wells to this and now they have reversed the entire payment, over {$210000.00}. Sp, my check has cleared and Wells is saying they have never received it due to a clerical error. 

I have been serially abused by this incompetent institution. How the government is allowing this institution to survive is beyond me.
We had service with XXXX XXXX in the past but we cancelled this after our last term ended. We were never, EVER on auto renewal. Each time of renewal, it was done by phone and we CANCELLED this service by phone. Were fully paid and do not want this service and the service has been stopped for some time now. My wife has made multiple calls to stop this barrage of letters from XXXX and has either been left on hold or hung up on. XXXX is using harassing pressure to try and get us to pay a debt we simply do NOT owe and now your EOS CCA sent us a collection letter The collection stated {$50.00} and we don't owe this.
This is a continuation of a complaint I filed back in XX/XX/XXXX against Nationstar Mortgage LLC. The original complaint number was : XXXX. The situation recently has deteriorated significantly. I completed a deed in lieu with Nationstar on the property at XXXX XXXX XXXX XXXX XXXX MI. XXXX. The deed in lieu was accepted, I signed all of the closing documents with a notary at the credit union and after all was done and agreed to Nationstar sent me the " surrender of possession '' agreement as the final step. I signed the agreement and sent it back. Nationstar then took physical possession of the property, assumed responsibility for the utilities, property taxes and insurance. All was done. As referred to in the original complaint, as of XX/XX/XXXX I still had n't received my promised cash for keys check for {$3000.00}. I then asked what was taking so long and they admitted to me they did n't have an assignment of mortgage for the property. When I expressed obvious discontentment at this news, as that 's title fraud, they assured me all was well. It was their plan to get a power of attorney so they could solve this and we 'd be on our merry way. I have assumed since then that my involvement was no longer required as I 'd just have to wait for them to get the power of attorney and I 'd be getting my check eventually. As of XX/XX/XXXX, 15 months AFTER the deed in lieu was completed and executed, executed being the key word here, they are now harassing me to start making payments again or pay off the loan in full. I 've been turned over to collections and I 'm getting calls from Nationstar multiple times daily demanding I set up payment arrangements. I 've now received a document from Nationstar informing me they regret to inform me that my application for deed in lieu has been declined, reason being they ca n't clear the title. They ca n't " decline '' the deed in lieu as it 's already done and in the past. They have had possession of the property via the contract they executed for in excess of 15 months already. Their claim of " unable to clear title '' is outright lunacy. Of course they ca n't release me from the debt. By federal law the debt never existed in the first place. They never attained the assignment of mortgage for the property. At no point has Nationstar been legally authorized to collect money on that property. The assignment of mortgage has to be in place before that can happen. To this day, the mortgage for that property is still legally assigned to XXXX. This is the literal definition of title fraud. I 'm hoping there is a way to send documents with this letter.
I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed. acct # XXXX
On XX/XX/XXXX I paid off my XXXX XXXX credit card leaving a XXXX balance. As I closely monitor my credit file ( for good reasons ) I checked my credit report from Experian 7 days later and notice they are still reporting a balance on my credit card. I noticed XXXX XXXX and they stated they reported a XXXX balance to the all there credit reporting agency they used no later than 3 days after the account was XXXX balanced. We are not 21 days out and Experian is still reporting a balance ( incorrectly ) on my account. Furthermore, they are also showing an outstanding debt /or collection account from XXXX XXXX from XXXX. This is 8 years ago.
Equifax submitted the results of investigation # XXXX and continues to double report XXXX XXXX Account # XXXX. There is only one XXXX XXXX Account for an auto loan. Further, the last payment was made on/before XX/XX/XXXX but Equifax reports the last payment as XX/XX/XXXX. Additionally, Equifax continues to confirm the same report on the XXXX XXXX XXXX XXXX Account in dispute. XXXX reports a charge of of {$22000.00} and I have repeatedly disputed this amount. XXXX appears to be overstating the amount charged off on/around XX/XX/XXXX significantly. Further, on information and/or belief, XXXX sold this debt to a factoring/collections agency and is no longer the rightful owner of the debt but XXXX has continued to report a monthly past due amount which is patently false. XXXX no longer has standing but continues to report erroneously and Equifax perpetuates the misreporting by verifying my name and social security number but NOT the facts of the complaint.
For 2 months the Ocwen said they did not receive our payments. I told them we had sent them by mail, as usual. They made me beg for 1.5 hours and XXXX different people in order to get the late fee waived. Then they found our checks and cashed them without telling us. Now we have paid payments ahead for 2 months, because they found the checks. Now we need that money to pay taxes, but they have already credited it to our account. 
Also, the rate changed in XX/XX/XXXX but the payment coupon did not. They charged us the additional amount, but they show it on the statement as a fee, not principle and interest.
A company called XXXX at XXXX called my employer and relative stating that I had to call within an hour and referance # XXXX because I was being served a summons. I called the number and when They told me that I had an outstanding balance, I asked them to validate the debt, and they could not. They continue to call my employer AFTER I asked them not to. They do not contact me directly. They keep calling my employer and relatives.
I borrowed {$300.00}, but had no idea that I would be charged {$900.00} in interest charges until after I received an email stating that {$92.00} would be taken out of my account on a bi-weekly basis. I would never have borrowed {$300.00} from this company under these conditions. After all of this, I have found that these type of loans are supposed to be illegal in the state of Arizona. I have no problem paying back the {$300.00} loan and reasonable interest, but {$900.00} in interest is ridiculous. They have already deducted {$92.00} out of my bank account on  XXXX / XXXX /2017 and the balance is still {$300.00}. I am attaching a screenshot from my account.
Navient 's intrest rates are way to high and they will not work with me on repayment. Upon asking several times for options to repay on a payment plan that i could afford, Navient told me that the only option was to go into forbearance and during the forbearance, my interest rates and amounts owed to Navient, were still accumulating. They have not offered anything to me other than the forbearance that has effected my credit scores and made it to where I feel I will never be able to repay my loans. My payments were not applied correctly to my credit reports, showing they were paid on time, resulting again in the drop of my credit scores. This company has made it so that I will never be able to get out of debt and my credit has paid tremendously for their mistakes.
re : Western Union money transfer, XXXX XXXX, 2017, sent from XXXX for XXXX A money transfer was sent to me today as indicated above. When I checked to see if the funds were available on the Western Union web site, it said they were ready for pick up. However, when I went to a bank to claim the funds, I was turned down. When calling Western Union for an explanation, I was told to have the sender call them and was peremptorily stone walled as for any explanation. This is the second incident this has happened with this service. A previous transfer in the amount of {$500.00} was sent to me from XXXX XXXX and I encountered the same refusal to pay the funds. I have no idea what is going on with this company but I am NOT in any way a criminal, drug seller, money launderer, et al, and it strikes me that this outfit is far too overboard in making subjective conclusions based on unsubstantiated " facts ''. This is a complaint I have been hearing from other customers so there seems to be a need for an investigation into how this company is handling its money transfers or have it go back to just sending telegrams!
I asked for validation of this debt showing my signature because it is n't mine. The response they sent was not only a HIPAA violation to the account owner, but did not validate the debt. I sent them a response showing this ( which was signed for on XXXX XXXX ) and the debt still shows on my Credit Reports. Please have them remove this from my report and send it back to the original creditor so they can find out who REALLY owes this debt.
I came across a report on my XXXX XXXX account that a company had open a collection account on XXXX bureau on my name that I never heard from or known of. The agency name is XXXX XXXX:XXXX XXXX XXXX, XXXX , PA XXXX which is the creditor which is put the fraudulent information. The report have a certain XXXX XXXX XXXX XXXX. as original creditor. I have never visit an office or emergency room on that name nor know of the existence of a practice like that. those fraudster use my name to create that account on XX/XX/2018. And posted an amount of {$640.00} owe to them. I would like to know how they got my information and create that account.
My mortgage with XXXX Bank of XXXX PA has been transferred to Loan Care XXXX of XXXX XXXX XXXX Their customer service is unacceptable. They are inaccessible by phone ( long waiting times ) and their web site does n't function. Have n't been able to set up auto pay. They have horrible ratings by customers on various web sites with very unscrupulous practices such as charging unwarranted late fees and failing to pay escrow insurance and taxes in a timely manner. Look them up on yelp. Do I have any recourse other than refinancing?
Nationstar acquired my loan on XX/XX/2014 but incorrectly used my old terms instead the new modified terms. When they finally admitted their mistake in XX/XX/XXXX, they only reversed 2 months instead going back to inception of my loan loan ( XX/XX/XXXX ). 
THIS IS NOT A DUPLICATE CASE.
Equifax.l not reporting credit balances in a timely manner, called on XX/XX/XXXX to get help and XXXX XXXX Resolution supervisor on XX/XX/XXXX, XXXX wasnt helpful and put me on hold for over 10 minutes! Im still on hold AS I FILE THIS COMPLAINT. He kept blaming the cc company on not reporting my balances when thats incorrect. We have this issue every month!
Crediter name consumer XXXX Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Permissible purpose : written authorization Reguest on XX/XX/2017 Above information was been reported on my XXXX XXXX report. 
When contact the credit explain to me why they reported and optenin information from my file they refused to disclose and identify whos sending them written athurization to access my files
I called to check my final dispute on some items that did not belong to me and spoke with a, rep at Equifax she told me that the conser affairs dept had my information and it was locked they could not access it so ask why she transferred me, this department was rude, hung up on me and told me they would not have discussions about my credit report and that every thing I disputed was added back to my credit report, I filed a, police report and sent to Equifax to go with my disputes every thing was taken off but re added I try to explain to the consumer affairs dept but they treated me like a, criminal I told them that I had identity theft problems and they needed to take these items back off they said there not going to do it I ask why am I being sent to this department they actually told me because I was disputing so many times on information that did n't belong to me they said I had to deal with them, I have been treated with disrespect, rude, hung up on very unprofessional attitude, they would not take these items I already disputed back off XXXX bankruptcies that did n't belong to me I even have addresses showing up that i never lived at and other accounts I never had, this department is bad on customer service and would not help when I told them I filed a police report they did n't care I even sent Equifax a copy I called a, liar no supervisor has called me back on this I want this resolved and my information. Taking fro this department all because I 'm disputing wrong information on credit report I 'm treated badly I want help and I want to deal with the, regular customer service about my credit report not consumer affairs dept, I want a resolution to this I will be filling with other agencies, I ca n't believe I got treated badly because I was just disputing my credit report because I experienced identify theft this, department needs to be talked to I Wil attached documentation showing they re added these items back after I disputed them off and I have the documentation and still called a liar by that department thus, document will show that my disputes were added back after being taking off by me after 30 days please resolve.
I have some addresses on my file that do not belong to me I am a victim of ID theft and I need these addresses removed they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Equifax continues to report information on my credit report that does not belong to me. My report number is XXXX. 
The bankruptcy filings listed are not mine. I will need proof that it does not belong to someone with a same/similar name or the signed papers since I am not a party to this. 
I am asking for the method of verification under FCRA Section 611 ( a ) ( 7 ). The federal Fair Credit Reporting Act states that I may request a description of how Equifax verified the information, including the business name and address contacted and the telephone number if reasonably available. 
I intend to sue for willful non-compliance under FCRA 616 if this dispute is not researched and the requested documentation furnished. 

I am requesting that these entries be investigated and removed. 

Thank you.
I am the author of a New Book Coming out called XXXX. I have been working to Pre-Sell the book by adding a website, payment processing and building social media platforms. 

I already have 4 other methods of online payment processing but several older customers asked I set up PayPal I did set it up and after a 4 day delay was accepted ( screenshots are attached of the chronilogical order ). 

I began advertising for paying with PayPal on 6 platforms including XXXX and my XXXX   Website Because I am traveling to promote the book I decided to attach a debit card to the account to use fir purchases. It did not work out. So I called customer service and that lead to the next 54 hours if chaos, lies, deception and even a representative who tried to get me to commit fraud. 

I was told, actually demanded in order to use the account I had to change the name in the account our if the Business Name to NY personal name I was asked to submit all of my proof if who I am including my driver 's license, SSN card and proof of address. 

I was told I had been placed on an expedited track and would have an answer in 72 hours because of XXXX day. 

I called back 3 days later to speak with a supervisor because my account still showed my identity confirm was not approved I asked fir a supervisor. She told me I was being restricted because I had a second account. I vehemently denied I have had an account with PayPal fir a number of years but the person who told me I needed to change the name in my business account took all of my info and tried need to make a fake account using an email I had not used in 3 to 5 years She said she would file fraud on This flagged info and I would get a call from PayPal in 3 days. 

That was 6 days ago. 

BUT I just looked through my email and found that on XX/XX/XXXX I received an email my account had been restored. 

I still haven't been able to get money out of the account for purchases. 

I received an email 3 days ago stating they were going to restore it but still have not In looking online 209 complaints on same topic either from consumers or small businesses.
Account number XXXX in the amount of {$1500.00} I mailed a certified debt validation letter to California Business Bureau on XX/XX/XXXX that was written on XX/XX/XXXX regarding a debt that was reported on my credit report. The company has failed to validate that this debt is in fact mine. Please review the attached documentation.
My problem is in two parts, both relating to how the credit card company has changed the application payments to my balance and interest charges. First, I recently made a payment in excess of the minimum. According to the Credit Card Act of XX/XX/XXXX this should have been applied first to the highest APR balance and then to the next highest APR until the extra money was gone, instead this extra money was divided between the different APR balances. This meant that money was left on the highest APR balance, even though the starting balance at this APR was {$0.00} and I made an extra payment of {$20.00}. When I requested an explanation of why the CARD Act was not applied they simple gave me a list of all the interest charges on my account and no reason for how they choose to apply this extra money above the minimum payment. 

My second problem is in part a question and in part a complaint. Beginning with my XXXX XXXX statement I noticed that the credit card company had begun applying the minimum payment in its entirety to the lowest APR balance without using part of the money to pay the growing interest of the higher APR balances. This has resulted in the balances at the higher APRs in fact growing, even though I have not used the card during this time. The overall balance is decreasing but the balances at the highest APRs, and therefore their interest charges each month are getting larger.Is this legal? I know that payments over the minimum are supposed to go to the highest APR balance but I could not find an answer about whether the card company is required to use the minimum payment toward all interest charges that have been accrued during a statement period. When I requested an explanation from the credit card company about this change in how the minimum payment was applied they ignored the questions of legality and the change in policy, instead telling me to make a payment over the minimum if I wanted it to be charged to the highest APR balance. However, as I have previously explained, when I tried this the money was not applied as expected.
I have been disputing this debt on my credit report because Summit FinanciaXXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX, which I have submitted court documents and pictures, have reported the incorrect information to the Credit Bureaus. Under the FCRA, it states that if any of the consumer 's information in not 100 % accurate, then by law the credit bureaus are under obligation to investigate it and remove that item ( s ) from that consumer credit file. I have disputed this for over 3 years, with no success. I have submitted documentation to the credit bureaus from the creditors stating my position and they still will not remove these items from my credit file. On XX/XX/XXXX, I sent in documentation, then again on XX/XX/XXXX. I have just recently sent more documentation in around XX/XX/XXXX. The only results I am getting is the items are being updated on my credit file. I have received correspondence from the creditors saying that they have no identifiable information in their system on me. I have even called the creditors and was not able to speak anyone and I also left messages, but received no return calls.
It has recently been brought to my attention that my title for my car has never been sent from my previous Lease holder Chase Auto Finance to my current financier XXXX XXXX XXXX XXXX. Chase neglected to send the title even after it was requested several times XX/XX/XXXX, resulting in an 18 % APR charge from XXXX XXXX because they never received the title. I worked directly with Title Research agent XXXX XXXX XXXX, who only sent me the lien Release, but did not send the title. My car payment is XXXX per month now. It was calculated at XXXX with the title ( 14 % APR ). This has directly effected my ability to pay other bills and has cost me approximately {$570.00} and has prevented me from getting additional lines of credit, recently including a car loan from XXXX, as they stated that I was too far upside down on the loan currently and my current APR was too high at 18 %.
Fraudulent activity on my account in XXXX of XXXX. 

I notified my bank and started a claim ( Claim XXXX ) Bank of America froze / canceled my debit card, took them a month to send me a new card due to some issue in their system, which is another source of frustration from this process. 

The total charges that I was able to identify as purchases I did not make only totaled slightly over {$100.00} before it was caught and my account was frozen. So the issue was more so that someone else was charging my account rather than the dollar amount. 

Bank of America issued me credit back for these charges and aside from several phone calls to resolve why I had n't received my card I did n't have any reason to follow up on the fraudulent charges, I figured the bank was doing this. 

XXXX XXXX, XXXX the charges were placed back on my account by bank of america stating that they did not match fraud patterns? 

I know for a fact that I was not in the various cities these charges took place in ( over an extended period of time, so no chance of charges being mislabeled due to any delay posting to my account ) Additionally, there were several charges from a laundry mat. I have never even been into a laundry mat in my entire life. 

I spent a total of 2 and a half hours on the phone today ( XXXX/XXXX/XXXX ) trying to even get in touch with the bank and a possible resolution. The bank appears to be intentionally red taping the situation by asking for unrealistic and uncessary documentation. 

Bank of America has stated that I would have to fax in a statement. I told them I do n't have a fax machine and asked if there was any other way to have them re visit my claim since I 'm 100 % positive those charges where not mine and they told me no, so I 'm reaching out to the CFPB as I do n't feel this was properly handled let alone resolved.