WillisBack/dataset-financial-user-claim huggingface dataset:
For over one year now, my attorney and I have been trying to resolve a dispute with Wells Fargo regarding the correct monthly mortgage payment amount due on my home mortgage ( reported to CFPB via case # XXXX ). I did not see an option to update that case, so I created a new one. I 've spent most of the year reading letters of delay from Wells Fargo. Each month I 've paid my mortgage ( see attached document " XXXX XXXX Payments XX/XX/XXXX Through Current '' ) per the payment amount due stated on the Initial Interest Note ( {$1100.00} ) plus an additional {$110.00} for escrow ( see attached document " Initial Interest Note Original '' ). The payment on this mortgage was interest only for the first ten years, then modified to a new payment amount effective XX/XX/XXXX. My XX/XX/XXXX payment was sent via a letter from my attorney ( see attached document " 1st Letter to WF XX/XX/XXXX ). This letter contained XXXX checks from me : XXXX for the principle + interest amount ( {$1100.00} ) and XXXX for escrow ( {$110.00} ) plus a late fee of {$10.00}. This was explained to Wells Fargo clearly in the letter. On a monthly basis from this point forward, I have paid {$1100.00} + {$110.00} ( {$1200.00} total ). 

Wells Fargo has finally begun communicating, by sending a proposed settlement agreement ( dated XX/XX/XXXX ) to my attorney. And at virtually the same time, Wells Fargo initiated foreclosure proceedings. Let me repeat : WE ARE CURRENTLY NEGOTIATING AND IN SPITE OF THIS, THEY HAVE STARTED FORECLOSURE PROCEEDINGS! I am getting letters and phone calls from people who want to sell my home. The dates on the foreclosure documents I received from Wells Fargo ( see attached document " WF Foreclosure Notice XX/XX/XXXX '' ) and from XXXX XXXX XXXX XXXX ( see attached document " XXXX Foreclosure Notice XX/XX/XXXX '' ) are BEFORE I responded to their settlement proposal. Wells Fargo gave me until XX/XX/XXXX to respond and we met that deadline. However, they started the foreclosure process before hearing my response. 
If foreclosure proceedings started because we have reached the one year mark, there 's only one reason why we are at the one year mark : Wells Fargo 's ongoing delays ( I have the delay letters to prove it )! 

I think this is an intimidation play, to try to get me to accept their settlement proposal without negotiating. Or, Wells Fargo is so big " the right hand does n't know what the left hand is doing ''. Either way, this is unacceptable. 

Wells Fargo needs to cancel the foreclosure process immediately! This is not negotiating in good faith.
I have send to Equifax,XXXX and XXXX, to remove this studetn lona or update, this was not remove due to bacnkcrucy, we all know student loan cant be remove with that, i have pay this and send them proof, even like that they live this ask discharge on bancrulcrucy, this was pay from my bank account. please update.
I told XXXX, and now EOS CCA, that the XXXX dollars is not mine, and it should not be on my credit report none whatsoever. Debt was absolved through verizon, but now they are going to say I owe them, and those clearly are not the facts.
Phoenix Financial has reported a collection on my credit report for {$200.00}. I have sent a validation letter to get the account verified but they have not done so. I have even asked for these things 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt. 
3. Valid copies of the debt agreement stating the amount of the debt and interest charges. 
4. Proof that the Statue of Limitations has not expired. 
5. Complete payment history on this account along with an accounting of all additional charges being assessed. 
6. Show me that you are licensed to collect in my state. 
7. Your license numbers and Registered Agents They did not provide me with any of this information and they put on my credit that I have disputed this account. All I am doing is validating the account how could this be a dispute? That is false information.
This amends Complaint ID # XXXX and # XXXX My mother and I requested that her SunTrust account be closed in writing and we were informed by the branch manager that we would need to come to the branch in person to close the account. I left work, in XXXX, and drove back to XXXX to take my mother to the branch. Initially they were not going to close the account because my mother only had one form of ID, a State of Florida issued ID card ( my mother no longer drives ) but they relented and accepted my mother 's XXXX card as a second ID ( although it doesn't have Mom 's picture or signature on it ). When we closed the accounts we were given a notice that the account could re-open if items hit that night. I specifically asked that any credits due to Mom because of fraud NOT be posted to the account and that instead they be mailed to her in the form of a cashier 's check payable to her to her address on file and we were told that they would do so. Instead they have credited the account ( she is still due more refunds ) and re-opened the account. This causes two problems. First, this allows whoever is committing fraud on Mom 's account to continue to post items to the account. Second, I am going to have to take even more time off of work to drive Mom to the branch to close the account with no guarantee that the account will actually close because she is still due over {$4000.00} in additional refunds. If they continue to re-open the account and post items to it this becomes a never ending cycle. 

The bank 's handling of this situation has been ridiculous. They have refused to freeze the account and instead continuously post additional fraudulent items to the account causing us to call the fraud department over and over again and submit new paperwork. The last time I called them, XX/XX/XXXX, I was on hold for 51 minutes and 25 seconds before I reached an employee. They made it as hard as humanly possible to close the account and  when we did close the account they re-opened it. We moved the money from her checking to the savings account in order to protect the funds from fraud and they immediately began posting fraudulent items to the savings account in the amount of {$7700.00}. We were able to close the savings but now we have to wait for the funds to be refunded. I've asked on numerous occasions, including in writing, that I be contacted by a supervisor but to date ( and this began on XX/XX/XXXX ) no one has contacted me. 

I've worked in XXXX  for thirty-five years and know how fraud cases are supposed to be handled and this has been the most frustrating experience of my life. What do people who don't know Reg E and the rules do? I just can't imagine how people who are unfamiliar with banking rules and have no one to help them navigate this horrific system.
I was charged an overdraft fee for a purchase of {$210.00} initiated on XX/XX/XXXX and posted XX/XX/XXXX. On Tuesday, I also received via direct deposit my tax refund of {$2800.00}. On XX/XX/XXXX I initiated a transaction for {$2000.00}, which posted on XX/XX/XXXX on that same day i was paid around 1,000 dollars. On both  occasions I was assessed an overdraft fee for pending charges and during both times those funds from my transactions was not held/removed from my account on the Citibank app. So when i went to look at my account before i made another transaction I thought I had more money in my account than was actually there. During that week I had pending credits that would cover any " overdraft ''. Citibank charged me two overdraft fees for pending purchases ignoring the pending credits that was on my account.
I reached an agreement with Schlee and Stillman to pay {$600.00} of a {$800.00} judgement. A few months after paying the {$600.00} they levied my XXXX XXXX XXXX account for {$300.00} and are still holding my account hostage. I was never served or notified of a levy. I am experiencing economic hardship because of this company actions.
I opened an auto loan onXX/XX/XXXX with XXXX XXXX for a XXXX XXXX XXXX XXXX The car was repossessed in earlyXX/XX/XXXX and I brought the loan up to date within a week. I finished paying the balance on my {$23000.00} loan in XX/XX/XXXX. I have disputed having the status as reinstated repossession numerous times with XXXX, Equifax, and XXXX. My last negative account activity was beyond 7 years ago, but they will not remove the status. This is causing my Equifax and XXXX FICO scores to be over 80 points lower than my XXXX. I am a member of XXXX and have found that this status is what is causing the lower score because the negative information is listed with an unknown date. After speaking with supervisors at both credit agencies and XXXX, I 've been told that this negative information will show until XX/XX/XXXX. They say the account is positive because it shows paid in full and closed. They will not remove the status because they said it reports accurately even though the negative activity was over 8 years ago.
In XXXX of 2016, I filed for bankruptcy. While in bankruptcy, Capital one continued to charge interest on the loan, plus other trumped up charges like home inspection, attorney 's fees, and late payment fees. I would like the bank to remove all those charges and credit my account in accordance with the bankruptcy laws. 

Secondly, my record shows that I paid up to date with the bank prior to filing for bankruptcy. However, Capital One claims that they are not going to send me monthly billing statement on the basis that my account is not up to date. Whereas, the their last letter indicted that I owed {$1100.00}. That payment was made in full. and evidence herein attached. Therefore, if Capital One believes that I had a missing payment, they should indicate the month and amount they claim I owe till date. 

As proof, I have attached a letter in my complaint from Capital One, stating an amount to be paid in other to bring the account up to date and a certified check payment made by me to bring the account current. Therefore, I am clueless to why billing statements where still not sent monthly, and how i can owe ofter making such the payment asked.
1. Equifax has blocked access to third parties such as XXXX and XXXX from accessing my credit report in order to provide me with credit monitoring services. Even their own service, " XXXX '' fails 99 % of the time. This is incredible as they just recently leaked my information in a security breach and i need to monitor my credit now more than ever. 
Proof : See attached .pdf files showing multiple sites with error / unable to pull EQUIFAX only. 
- 2. Equifax has purposely removed ALL my authorized user accounts from my credit file as a punishment for submitting disputes on accounts they are reporting inaccurately. 
Proof : Ask Equifax for my credit report before and after i submitted bbb and cfpb dispute to them. Ask them if at any time i requested these be removed? Answer is No. I have asked the creditors and they confirm they still report the information to Equifax which means that Equifax is excluding the information from my report. CRAs are required to comply with FCRA 607 ( b ), which mandates : " Accuracy of Reports. Whenever a consumer reporting agency produces a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concering the individual about whom the report relates. '' If a CRA is receiving information from a given furnisher, and yet subjectively refusing to include it in credit reports they issue, then they must have some reasonable basis under some provision of the statute or regs for doing so, such as the credit report exclusion provisions for adverse items that have exceeded their credit report exclusion date. 
- 3. Equifax has excluded " secured '' credit cards from reporting on my credit file Proof : I have 2 secured cards, one through XXXX and one through XXXX. Both confirm that they report monthly to Equifax. Yet of course, it does not show up on my Equifax profile. It shows up on XXXX  and XXXX with no problem. 
- 4. Equifax continues to report inaccurate and incomplete information. 
Even though i filed for bankruptcy and have advised Equifax, and Equifax knows, they still report accounts with Chargeoffs and balances. And YES, i  have confirmed that the original creditors have notified Equifax to correct the information. 
- 5. Equifax ignored my demand for corrections Proof : on XXXX-18 i sent them a dispute and i also faxed a copy to the cfpb. I have attached the document that was sent as well as the fax confirmation it was received. This is not the first time, this is probably the 4th or 5th time and i have allowed them more than enough/reasonable time to address the items in dispute. I have even emailed the President of consumer services, XXXX XXXX at XXXX on XX/XX/XXXX and received no response or acknowledgement. 
- 6. Equifax ignored my BBB dispute Proof : I have attached this as well. It has been 35+ days and they didn't even acknowledge what i filed with the BBB.
I purchased cryptocurrency through Coinbase. They were happy to TAKE my money. Then i sold my cryptocurrency through Coinbase on XX/XX/XXXX. The proceeds from the sale have been in a " pending '' status to this day, XX/XX/XXXX. I submitted a support case and they responded with a less than usefull response and still no release of the proceeds. Oh yeah, my currency is gone so I have neither the currency or the cash. I've tried to call but after being on hold for 20 minutes while not once talking to a human, i hung up. Coinbase is a sham.
I closed on the sale of my home on XX/XX/XXXX. I have not received my funds from the sale because XXXX XXXX XXXX is refusing to release the Lien and Title until XX/XX/XXXX. I spoke with XXXX XXXX  on XX/XX/XXXX and was told that they had received the payoff check on same date. As per conversation with them on XX/XX/XXXX and XX/XX/XXXX. The Realtor has her commission. The purchaser has her house. 21st Mortgage Corp has the entire payoff for the house. And I have no home, no money and am on the verge of being homeless effective XX/XX/XXXX. There appears to be something very wrong with this picture. I NEED HELP NOW before I resort to having to live on the street. I am being placed in this situation because 21st Mortgage Corp is holding the Title and Lien for my home hostage until XX/XX/XXXX.
I open a PayPal account about a year ago in late XXXX like XXXX. I never used it then XX/XX/XXXX I had a friend send me some money. When I logged in to my PayPal account that evening it showed that my money was there but it said that my friend had sent the money like he was paying for a service or a product so my money would be held from him for 21 days I called PayPal my friend Got sent an email via PayPal to click on something in his email then my funds were no longer pending in my PayPal account they were in there and it said it was available for me to use. So I connected my debit card to my account. Tried to transfer my money to it so I could withdraw some of it and it wouldnt let me. I was on the phone for three hours that night before PayPal closed and they just didnt answer anymore and they had me on hold and they kept telling me I had they had to verify who I was so they verified me through my cell phone they verified me through email. And still that evening to no avail I could not get any money. The next day I was on the phone with them seven different times that wouldve been XX/XX/XXXX to the told all that it took up my whole day about seven hours Ill because every time I went to transfer my money to my debit card or to my bank account so I could get my money out of PayPal it wouldnt work it would say they needed to verify who I was so then I have to sit on the phone at one point I sent on the phone for an hour waiting when it came down to it they said that I could transfer the money to my card thats what I had to do so they had to transfer a portion of it to my card and then they told me it would take 72 hours before would be released to my card because they reserve the right to hold my money for whatever reason they see fit then again they said they had to verify who I was so I answered a bunch of questions that I guess only I would know and I did that and it still didnt clear it up they are still holding my money Ive had no money all weekend I cant even transfer money to a friends PayPal like they said I would be able to do on XX/XX/XXXX.
Account number XXXX Name : XXXX XXXX  Address:XXXX XXXX XXXX XXXX, SSN : XXXX To whom it may concern : I am hoping you can assist me with an issue that I am having. I received a modification in XXXX. After the modification I 've been paying on time and received a notice from Ocwen stating that due to my good standing I was eligible for and incentive of {$5000.00}. I completed the necessary paperwork and faxed it into Ocwen and contacted Ocwen to confirm receipt of the fax. When it was time for my incentive to be paid I followed up with Ocwen on several occasions to find out when I could expect the {$5000.00} to be credited to my account. I was told that when the government sent them the funds it would be applied to my account. I asked several escalation managers to look into when I can expect my refund and was told that Ocwen had not received the incentive from the government yet.
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In XX/XX/XXXX I received a letter from Ocwen stating that they were transferring my loan to XXXX XXXX XXXX inXX/XX/XXXX. Immediately contacted Ocwen to find out how this would affect my incentive I was told that when the government sends the incentive Ocwen would transfer it to my new mortgage servicer or the government may send the money directly to the new servicer.
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I started following up with the new servicer regarding the Hamp incentive only to be told that Ocwen had not received my Dodd Frank Certificaiton therefore i was not receiving the {$5000.00}. This completely baffled me because all the times that i called Ocwen i was never told that they had not received the Dodd Frank Certification ( and remember I called Ocwen to confirm receipt of the fax when i faxed the doc ). My husband is a military veteran and neither of us have ever committed a crime therefore we have no reason to not submit the Dodd Frank Certificate. It seems to me that Ocwen dropped the ball all the times I contacted them to find out when i could expect my incentive I was never Informed that they did not receive the Dodd Frank Certificate.
First of all, there was a valid collections account that I settled with XXXX/collections in XXXX of XXXX. It has been on my credit report as settled ever since then, with commensurate effect on credit status all of this time. In my attempt to rebuild my credit profile since that event, I have checked on my credit report religiously every month, sometimes as many times as twice a month. I recently checked my XXXX credit report via XXXX in XXXX of XXXX and all was ok. 
This morning, XXXX XXXX, XXXX, I checked my XXXX account and find that this same collection agency I settled the owed amount with back in XXXX of XXXX, is reporting me as having an OPEN collections account with them. They do not however, provide an account number. Suffice it to say that I have not, out of principle, started any cellphone business with XXXX since that phone issue was resolved in XXXX XXXX ( settled debt ), so there would be no reason for another account number. I also have not co-signed for anyone on anything - ever. So, I am at a loss. 
Understandably, I have just submitted a dispute with XXXX to that effect. 
My desire to file a complaint with the CFPB stems from the wanton abuse of Receivables Performance Management 's apparent ability to place a blemish on one 's credit report, creating an unnecessary snowball of a process I must now take to clear my name, all the while driving down my FICO credit score in the interim. It bears worth mentioning that I am in the middle of a refinance transaction and the effect of this irresponsible opening of an erroneous collections account report by this company could complicate the process.
Ocwen is continuing with a foreclosure despite a bankruptcy filing, a Chapter XXXX Petition with the United States Bankruptcy Court, District of West Virginia, in Case Number XXXX
I have attached the account I was only a authorized user on this account have have been removed off this account since 2009 and it has been requested to be removed off my account this belongs to my ex husband please remove contact XXXX I am not on this account and havent been for years please correct
In XXXX 2017 I filed a dispute of an error of a chapter XXXX bankruptcy dismissed with Equifax, XXXX, and XXXX. I even submitted a letter from the US District court stating that they did not report any bankruptcy on my credit report. All 3 credit bureaus disregard my evidence and refused to delete this error on my credit reports thus hurting my ability to obtain credit. I have never filed bankruptcy.
I got a call and voicemail from a XXXX XXXX. Called her back at XXXX xt XXXX and the phone was answered by someone else. XXXX then got on the phone and told me she was with Premier Group and that I owed money on a default loan to XXXX XXXX XXXX and needed to pay it back. She originally could not locate my number or name in her system. Then when I verbally spelled it out she said oh yeah there you are. When I asked her to send information in writing she told me to hold on and then there was music playing. Then a man got on the phone and basically told me that I was n't asking him the right questions and that if I intended to pay that I would be asking him how. When I told him that he needs to send me something in writing he told me that I had to setup a payment agreement first. When I told him I would not do anything without proof of his claims in writing he told me okay fine and hung up the phone. I have looked them
Navient has called and left a voicemail on a previous employers mailbox. Not only is this a violation of my rights, a disruption to their business but I have also asked that they no longer contact me via phone but only to contact me via USPS. This is the second time it has happened and I do not believe my previous employer appreciates the calls.
I did file complaint XXXX and I am not happy with illegal action from Welles Fargo Bank and their lack of response. the facts about the case as follow:1- I had owned a home located at XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold on XX/XX/XXXX. the loan on the property was with XXXX. 
2- The line of credit balance at that home at the time of sale was XXXX3- In XX/XX/XXXX Welles Fargo Bank reported me that I still own the home and Foreclosure started due to the Line of credit was not paid. This all False informations4- I did sent the Settlement statement to Welles fargo which indicated that I sold the home in XX/XX/XXXX and Pay off proof from the Title company but they still insist that I own the property and what they reported to the credit Bureau is correct. 
5- I asked Welles Fargo Bank to show me any evidence indicate that I still own the Property and if they have any evidence that the line of credit balance at the time of sale. they are not showing any evidence and they do n't wants to admit the mistake. What Welles Fargo bank is doing with lack of communications and not providing any documented evidence is Illegal.I had called them and left multiple voice mail followed by multiple faxes with no response. 
6- It is a public recored which show that I sold the property in XX/XX/XXXX. and there is no evidence from XXXX XXXX /Welles fargo that the line of credit at the time of sale has any unpaid balance.