WillisBack/dataset-financial-user-claim huggingface dataset:
Weve had an FHA Loan through Wellsfargo since XXXX, in XXXX I retired from the XXXX XXXX XXXX, During the 4 months that I was forced to wait for a new job to start, we communicated with Wellsfargo About making payments. To which we were Assured that THEY Work with Vererans and we could Count on Them To Process the paperwork and Help Us. Well After 8 Months We Ended Up Paying The Owed Money with our Taxes, Because THEY Said we didnt Qualify For The Help. Now Here We Are In XXXX On XX/XX/XXXX Hurricane IRMA hit And our house was/is Damaged. We were told that XXXX XXXX and XXXX House Payments would be suspended, and could be DEFERRED to the End of our loan. We applied Right Away to have that done, but were told we would have to wait until the End Of The 90 Days. We were CURRENT on our Payments Before And We Started RIGHT After the 90 Days. Wellsfargo Assured Us AGAIN that they would be able to help us. Well we have EMAILED the Paperwork 4 times!! FAXED the paperwork 3 Times. AFTER all of these months I WENT AHEAD AND PAID THE PAST DUE AMOUNT IN FULL.. After CASHING A 401 K That I Took PENALTIES ON COSTING 1000s And on XX/XX/XXXX Wellsfargo REPORTED Our LOAN AS DELINQUENT! So our House Is STILL DAMAGED but We Cant RENT NOR CAN WE BUY A NEW HOME Because OUR CREDIT IS DAMAGED AND IN LIMBO!! Even though WELLSFARGO has Supposedly Been Working On Helping Us, And If Thats True, Why Report It?

I Believe Its A SCAM Because AS USUAL they Say There Are Problems With The Paperwork ( Hench the 7 PLUS Times Weve Sent Them The Paperwork ) They XXXX With People Until They Get The Money Anyways And Ruin Peoples Credit SO YOU CANT GET A LOAN WITH ANYONE ELSE!! Even when I Made The Payment, They Only Take Checks.. After I Told Them The Routing Number AND They Repeated It Back, THEY TYPED IN THE WRONG ACCOUNT NUMBER!! So after Waiting 2 WEEKS for the 90 Days Back Payment To Clear My Checking Account.. I HAD TO CALL THEM TO FIND OUT WHY IT HADNT CLEARED! So NOW I have to Wait Another 3 TO 5 BUSINESS DAYS for THIS Payment to go through!! In the meantime MY WIFE OUR 2 DAUGHTERS AND Myself ARE HOMELESS!!! And we CANT MOVE INTO A NEW PLACE UNTIL WELLSFARGO UPDATES C.A.I.V.R.S.!!!!!!!!!
On XXXX XXXX, XXXX I sent a certified letter to all credit bureaus and Experian advising them that I had never lived at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. The person living there has my same name and had a criminal. Experian was going to correct but still remains on my credit report.
NationStar Mortgage has not been reporting to the  XXXX  credit bureaus,  XXXX ,  XXXX , nor  XXXX , my payment history since   XXXX  .
I completed the income-sensitive repayment plan application to reapply for a reduced payment plan. The form indicates to list the gross monthly income. It also requires that the XXXX most recent pay stubs are submitted. Since I am hourly, I do not work the same hours each week ; therefore, the amount that I list for my gross monthly income is an estimate. Since there are seasonal busy periods, the hours that I am working now are inflated compared to what I am actually scheduled to work. As a result, this makes it appear that I earn much more than what I do. Last year, I encountered the same issue and after numerous tear-filled phone calls, I was instructed to write a note that I was an hourly employee and include what my average scheduled hours were. This year, in an effort to avoid having my application rejected, I included the same explanation. Sure enough, a week later, my application was rejected. I called and spoke to a representative who accused me of understating my wages. I explained to her that I was hourly and did not have a set salary, and she instructed me that I would have to match my gross monthly income to the amount on the pay stubs regardless of the fact that the hours were not typical. I immediately requested a supervisor since I had encountered the same issue the previous year. I explained that I did not feel comfortable listing the inflated amount as my gross monthly wages since it overstated my actual earnings. The woman was very rude and condescending. She then began asking all these questions about my tax returns and other personal information as if she was attempting to refinance my loans. Not only was I unprepared for the questions, since I was commuting to work, but I could not understand her due to a very heavy accent. Since I work for a non-profit, refinancing a loan would be unwise because it would disqualify me from Public Service Federal Loan Forgiveness. When I asked why she needed the information she was requesting, she became agitated and told me she was attempting to qualify me for a different loan. I informed her that I was not comfortable or prepared for that and would call back. As she yelled something at me through the phone, I hung up. Because I feel like I have no other option, I am have submitted my forms with the inflated wages they demand. I find it absolutely insulting that I am trying to pay for my loans and I feel like they are attempting to rip me off by changing the terms. I also have a small window to get this resolved since they will increase my payments to XXXX % of my monthly wages if I do not give them the answers they want.
Equifax has not removed the credit inquiry from XXXX XXXX place on XXXX XXXX, 2016. They advertise they have 30 days to remove the inquiry if incorrect. They are not reading the original complaint Case number : XXXX. This needs to be removed as it was not authorized within my original complaint. Equifax consider this my demand to remove it immediately. I will not stop complaining until it 's corrected or I 'll have my attorney handle it directly. This is being used for documentation purposes.
XX/XX/XXXX - I called Navient, the student loan holder of my loans, to make a payment and allocate a majority of the payment towards one of the two consolidated loans I hold with the company. The representative I spoke to informed me that I was not allowed to allocate payment, and that what you pay, and how it 's preset, is how it 's supposed to be set up, and that I can not change or request to change that. 

XX/XX/XXXX- After reviewing the XXXX Dept. of Justice lawsuit of Navient, I learned that my previous interaction with Navient, and what I was told about allocation, was incorrect. I called to have this rectified, and at first, asked if I could ungroup my loans as stated on their website here : https : //www.navient.comXXXX First, the representative told me that I can not ungroup my loans unless I un-enrolled in online billing. I said, " Fine, please un-enroll me in online billing. '' After I submitted that request, the representative then told me that I, in fact, can not ungroup my loans because they are consolidated. So, my first request was unfulfilled, and I was led to take an unnecessary action ( un-enrolling in online billing ) that literally accomplished nothing. 

Second, I asked again if I was allowed to allocate my payments towards the exact loans that I want. The representative told me that I was allowed to do that - rendering the information I received in XXXX as incorrect - but with a caveat, that I need to call, make a payment over the phone with a representative, and then ask for it to be allocated the way I want it to. 

After this interaction, I asked the representative to note my account, and to note that I was filing a complaint with CFPB for the incorrect information I had for the last 5 months. I 'm also filing this complaint because I find this company to be untrustworthy and purposely giving misleading information to consumers in order to maximize their profits. 

Please investigate.
Checkr performed a background check on me and was only authorized to look back 7 years based on the contract I signed. They put negative info on my report that was 12 and 15 years old. This influenced XXXX to not allow me to become a driver for them. They violated my rights and are now discriminating against me.
My husband and I are in the process of refinancing our home, we wanted to take advantage of the lower fixed rates before they rose. Much to our surprise our credit scores, the one indicator that is supposed to help us to secure the best rate in the market failed us. We have NEVER been late, we have NEVER had a BK, we have NEVER had a charge off, yet our middle lowest score is what the banks use to determine our RATE at the bank and it was a XXXX, my low was a XXXX from Transunion and I am totally embarrassed by this. My sister who has a Charge off, a repossession and many late payments has the same score as I do. Then I did some looking and the credit reporting agencies have changed their model which primarily takes credit utilization as their primary source of scoring in their model, however it is missing one vital component to ensure that it is a fair assessment and that is my income, it only has one piece of the pie, then they have added a " potential of bankruptcy '' indicator, how is this possible, I would dispute its accuracy. This is straight up unfair and deceptive practices. I am now forced to refinance my house at 5 %, when my REAL credit, 24 years of never late, no charge offs, no delinquencies, ( 3 ) mortgages over $ 1.3M paid in full, never late, no bankruptcies and I am a XXXX  for the purpose of the rate I deserve. No matter what you say to the banks, look at my history, there is nothing that justifies the rate you are quoting me, and their response is that they have to go by the score, regardless of your history to protect themselves from regulatory scrutiny.
I received a phone call from a man by the name of XXXX, which to be honest I do n't remember if he said his name when he called. I was more interested in what company it was calling me from a weird XXXX number as it appeared on my caller ID. This man calls me to advise me that my car pay is {$58.00} short, my payment is actually XXXX and change. Most of the time I do n't bother thinking in cents but in whole dollars so either I pay a few cents less or a whole dollar more, no big deal. I tell him if that is an issue, he states that it is because my total payment should have been the XXXX and change, I then tell him that this entire phone call is a bit ridiculous because up until now I have paid my payments in full minus the lousy cents and this month I paid XXXX instead of the XXXX and change since they want to get " technical ''. I then ask him for a copy of my contract loan with them just so I am aware if I am out of bounds, I understand that the full payment is due but i paid XXXX % of it and for them to call me about {$58.00} is annoying frankly. Especially since I am at work! This is not the first attempt to contact me at my place of employment either, they have previously left messages with co workers during the first two months because of being a few days late, only because of my due and payment cycle however it was UNDER 10 days late. This is not my first car loan, but this is the first time being approached as harshly FROM THE BEGINNING. If I could turn the car in without hurting my credit I would have a long time ago, but we all know that 's not the smart thing to do and I do n't think I can handle 4 more years of this kind of attitude because if it 's not this month it will be next month, kind of annoying if I am paying my bill in full or up to XXXX % and within its pay period I do n't see why I need a babysitter. Something has to change because along with the XXXX attitude, XXXX did not give me the FDCPA or mini miranda or any other kind of awareness before continuing with the slap in the face.
I am unable to open a checking or savings account could you please provide me with the discrepancies so I can resolve this matter.
I had a care credit card, and I called in to make complaints and was basically blown off. They did not want to assist me with any complaints regarding any complaints or anything. I am dissatisfied with a service I was provided. I called in and a rep told me he had too many things in front of him to deal with me.
XX/XX/2018 {$0.00} I disputed all the Incorrect Information reporting on my credit profile, I asked them to remove all misleading information. Experian responded back with incorrect still in my credit profile.
Equifax has not updated accounts and are incorrectly reporting closed accounts as open, and are incorrectly reporting revolving balances that were paid down. As a result, my credit utilization being reported way higher than in actuality and my credit score is being drastically affected as a result of this misreporting and failure to update.
THIS ACCOUNT OF XXXX MORTGAGE IS NOT MINE, I DISPUTED THIS ACCOUNT MANY TIMES AND DO NOT DELETED IT.
debt collection remaining on credit report after 50 days dispute process violation of FDCPA, credit reporting on all XXXX bureau disclosure of verification Delete all collection from all XXXX credit bureau reporting agency
On XX/XX/XXXX I have leased two XXXX XXXX from XXXX XXXX, which was leased through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX IL XXXX I have cosigned one XXXX for my brother under account number XXXX I got shocked to receive default notice from TMCC in XXXX second week, that there is no payment has been submitted on this account. 
Upon investigation, I found out account number on this account was entered incorrectly, that why payments were not being made and bouncing back. 
It was fixed when found out. My credit has been reported for 2 late payments. 
How come lender never communicated with the person for 90 days. 
There was NO communication till XXXX first week, when we found out and cured. 
I think reporting adverse late payment history to credit bureau without even approaching borrower is not right practice. When the accounts get delinquent, Borrower/guarantee should have gotten a communication right away.
Receivables Outsourcing is calling from XXXX and leaving messages for a personal friend. ( Most recent call XX/XX/2018. ) He does not and has never lived at our address. This is not a coincidence, but a deliberate tactic to embarrass him into paying a fee or debt. I have no idea whether he owes something or not but I have no intention of raising the subject. It is neither legal nor ethical for them to call us. My privacy was probably breached for this company to obtain my phone number to make these harassing calls. As a retired bureaucrat, I would much rather let them experience my wrath than involve a dear friend. Please ask them to stop. 

If you need the recording the company is leaving, let me know. My husband and I are retired and are happy to talk with your staff.
On XX/XX/XXXX, after being alerted by my credit monitoring service that there was a " collection '' on my credit reports, I contacted XXXX XXXX XXXX to inquire about the " collection '' they placed on my credit reports on behalf of Orion Portfolio Services in the amount of {$330.00}. 

XXXX XXXX XXXX ( XXXX ) informed me the collection was for a XXXX account from XXXX at XXXX College XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. I explained to XXXX that I never lived at XXXX College XXXX XXXX, XXXX XXXX, XXXX, NY XXXX and that in XXXX and prior, in live in XXXX, MD. I asked XXXX what information they had that linked this account to me, was there a date of birth or social security number? They stated that the only information they had linking the account to me was my name and that address. I explained again that i had never lived at the address and that address does not appear on my credit report. 

On XX/XX/XXXX, I sent XXXX a certified letter asking XXXX to provide evidence linking me directly to this collection account and validating this collection/debt. I specifically asked for personal identifiable information linking me to the collection account such as a social security account and/or a date of birth. I also asked for an itemized bill detailing the services that were provided that resulted in the {$330.00} in debt. In response to my request, I simply received an " Account Summary '' from XXXX showing charges in the amount of {$330.00}, charged to XXXX XXXX at XXXX College XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

I called XXXX to inquire about the account since the account number was on the bill XXXX sent me. XXXX stated they no longer had access to that information because Orion Portfolio Services. I then called Orion Portfolio Services and they refused to speak with me only referring me to XXXX. 

I then disputed the collection with the 3 credit collection agencies. Both XXXX and XXXX have removed the collection from my report but XXXX states that XXXX has verified the collection as accurate and refused to remove that collection from my report even though there is no personally identifiable evidence to link that collection account to me. XXXX states that they do not need personally identifiable information to link a collection to an individual, they only need the reporting company to confirm the information is accurate. 

On XX/XX/XXXX, I sent XXXX another registered letter asking again to provide evidence validating this debt/collection and asking them to remove this collection from my credit report. In response, on XX/XX/XXXX, XXXX sent my the same account summary of a XXXX bill but did not provide any evidence linking me to this account expect for my name, XXXX XXXX, on the account. 

I am simply requesting that XXXX look at the billing history of this account to determine who was paying the bill. 

I am requesting that XXXX remove this collection from my credit reports, specifically XXXX and provide me with evidence that this is my account. This collection is adversely affecting my credit.
I have a a home depot card and received my bill and was shocked to see that there was a XXXX finance charge. Most cards I have with a promotional purchase there is advance warning that you must pay by a certain time to give the consumer a fair amount of time. Often it is highlighted in red so you can not miss it. Home depot does n't do any of these things. I feel as though they do not highlight the information because they want take advantage of their customers
I have received 2 phone calls now from a place called Miller , Stark , Klein and Associates. They claim that they are collecting on a debt that I owe from XXXX or XXXX. I told them that I did not know what they were talking about and handed the phone to my daughter both times that they called. Therefore, they broke the law by talking to someone else about my alleged debt. They have threatened to take me to court and sue me for this since I will not set up payments with them over the phone. My daughter told them during both calls that I do not owe this debt. She also told them that they are breaking the law by trying to collect on the alleged debt because it is too old and way beyond the statute of limitations. Each time the person became angry and stated that they will sue me for this debt that I do not know anything about. They have never sent me a bill which is also illegal. They have only contacted me over the phone. They have the last XXXX numbers of my Social Security Number and I do not know how they have that. They said that they will garnish my wages too, I am old. I do not understand what is happening. I almost had a nervous breakdown after the second call. I have not cried like that since my wife passed away. My daughter and granddaughter had to talk me through it. I have XXXX. This harassment and lies does not help. I need you to help me, please. Make them stop. They are breaking the law. They say that they can do this, but my daughter tells me that they can not. I found on the internet on an FTC page that there are companies with similar names to this company that has already been in trouble with the FTC. Apparently, they have now started a new company and are back at using illegal debt collection practices. Their phone number is XXXX and again, it is Miller , Stark , Klein and Associates. Please help me and make them stop.
XXXX XXXX XXXX & XXXX {$880.00} & {$900.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
My name is XXXX XXXX, this is concerning my private student loans with Navient corporation. 

The amount on the original loan is {$5400.00}. They are saying that i owe a very high amount, which keeps changing, first it's, {$35000.00}, then {$70000.00}. I'm getting harassing phone calls and people coming to my house and threatening me. The amount and the harassment is causing me high stress and mental distress. I'm going to have file a lawsuit if this complaint isn't resolved through CFPB. I would really appreciate CFPB 's help on this matter. I did the math on the original loan at an effective rate of 5.13 % in 12 years compounded monthly only comes out to {$10000.00}. I feel there is a bit of corruption on their part. I believe students are being taken advantage of by Navient and any other big student loan corporations. I believe Navient is taking advantage of students, like me, who have no idea what compounded interest is. They are billing me on new balances without my approval.
I do not recall paying my M & t mortgage 30 day late. This account was first serviced by XXXX XXXX and mortgage was sold to m and t. I have no past due mortgage and I always pay on time. I need that 30 day late removed from three reporting credit bureaus XXXX, XXXX  and XXXX.   This has caused lot emotional stress. Please assist with this 30 day late removal.
The company Allied Interstate has called my cell phone every hour for the past week with no one answering. I received a letter in the mail from them stating they are trying to collect a debt for XXXX in the amount of {$30000.00}. I have never done business with XXXX or XXXX. I believe this is an attempt to collect a non-existent loan or used my identity to do so.
I have disputed this closed/ charged off account with Equifax , XXXX , and XXXX because this account needs to be removed from my credit report. They are fraudulently reporting missed payments of {$350.00} every month on this account ( XXXX ) .There should be no monthly payments on a closed charged off account. The account was closed and charged off in XX/XX/2017.I have asked for proof of verification and received nothing and it's still listed. They are in violation! 

I was only able to include one document as proof because this document was the only one I have saved