WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX Consumer Financial Protection Bureau RE : XXXX XXXX XXXX XXXX Policy # : XXXX First Mortgage : XXXX XXXX XXXX XXXX # XXXX Acc : XXXX Insured ( s ) : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX To Whom It May Concern, On XX/XX/XXXX, Wells Fargo accepted a refund from my homeowners insurance company, XXXX XXXX in the amount of {$670.00}. XXXX XXXX XXXX from XXXX XXXX XXXX XXXX sent me a copy of the refund cancelled check they sent to Wells Fargo on XX/XX/XXXX. The policy total was {$870.00}, Policy Number,  XXXX. I made a payment to XXXX XXXX in the amount of {$360.00} by XXXX on XX/XX/XXXX via phone with XXXX XXXX. I also made a payment on XX/XX/XXXX via telephone for {$8.00} by XXXX and I spoke with XXXX to complete this transaction. The policy was canceled and I was supposed to be issued a refund personally. I did not know Wells Fargo had made a payment to XXXX XXXX, because when the policy was canceled they said the monies were being refunded to me. XXXX XXXX recognized their error and stated they should not have sent Wells Fargo my {$160.00} refund and Wells Fargo was made aware of that not only by Peoples First contacting them, but myself and my attorneys office on XX/XX/XXXX at XXXX XXXX and I spoke with XXXX XXXX at extension XXXX. He stated he would refund the full {$870.00} to Wells Fargo. I even spoke to a XXXX XXXX who tried to bring the escrow department on the phone ( XXXX, option # 3 ). Then I called XXXX XXXX and was transferred to loss mitigation ( XXXX ) and spoke with XXXX and was then transferred to another representative ( XXXX ) the Foreclosure Department. This was all recorded on a recorded line at XXXX XXXX and Wells Fargo. The excess can also be found on the XX/XX/XXXX mortgage statement, XX/XX/XXXX mortgage statement and so forth as unapplied monies and then the monies disappear off the mortgage statements and the monies are never shown where they are applied. Wells Fargo refused to give me back my money. Wells Fargo refused my payments when the loan expired with Hardest Hit Homes until they sold it to XXXX XXXX XXXX XXXX ( XXXX ). I ask that my {$160.00} be returned to me. Per my Mortgage dated XX/XX/XXXX, page 4 of 16, Uniform Covenants. 1. Payments of Principal, Interest, Escrow Items, Prepayment Charges and Late Charges : If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. 

My attorneys office, XXXX XXXX XXXX, called XXXX XXXX to get this situation rectified on XX/XX/XXXX at XXXX p.m. and we spoke XXXX in the escrow department at Wells Fargo who assured both the paralegal, XXXX and I that the {$870.00} would be refunded to the escrow account ( XXXX, option 3, press zero ; XXXX x XXXX ). I just want my monies that disappeared off the Wells Fargo statements of {$160.00} to be applied to my escrow please. 

Sincerely, XXXX XXXX
On XX/XX/XXXX I purchased on line lottery tickets on Illinois XXXX XXXX Web site using my XXXX XXXX ( XXXX ) credit card for the amount of {$12.00}. To my surprise this transaction lists as a Cash Equivalent ( cash advance ) on the credit card statement and carries {$12.00} fee ( {$10.00} cash equivalent fee + {$2.00} minimum interest charge fee ) that is 100 % of the charge. Ive called the card and they, with some reluctance after calling a manger, reversed the {$12.00} fee. However, they told me that the problem lays on the lottery side. Ive purchased lottery tickets with other credit cards through the Illinois XXXX XXXX Web site before and never experienced being it a cash advance transaction. Therefore, I called the Illinois XXXX XXXX ( XXXX ) and was told that all credit card transactions are processed as a credit card charge and never as anything else ( cash advance etc. ). Ive called back the card but they insisted that the problem is on the lottery side it is hard to believe as the card benefits from these transactions not the lottery while a purchaser is not aware of a change in transaction type and the fees.
On XXXX XXXX, XXXX I received a garnishment notice from Bayfield Financial, LLC via a plain letter mailed to my sister 's address, which is my address listed for the WI DMV, with an attached income worksheet. Upon further investigation of the stated case information through the WI Circuit Court Access website, I learned of a small claims judgement from XX/XX/XXXX that I was previously unaware of. I have no knowledge of a notice to appear ever being issued nor signed for. After nearly 10 tax years, XXXX jobs ( including 6 years of military service ), and multiple address changes I am now being notified of a nearly {$1400.00} judgement that has accrued an additional {$2000.00} of interest. I have researched Bayfield Financial, LLC 's role and determined that they may have purchased my " debt '' back in XX/XX/XXXX and have a history of unlawful practices such as this. My complaint is that they did properly notify me to appear via certified mail nor file a garnishment/tax refund interception for the past 9 years while interest has continually accrued. They also did not include any information about the original debtor so I can try to determine the full scope of the situation.
I recently received my free annual credit reports. On XXXX and Experian, my name is incorrectly reported. It is misspelled. I tried to open a dispute on-line but this didn't work and I had to call the credit company. The credit company, Experian, told me I had to have the bank fix the error. I recently tried to refinance my mortgage with XXXX  XXXX XXXX and had a terrible experience. XXXX   refunded my fees, but now I have to ask them to correct my name on my credit report? This seems very unfair as the relationship with XXXX is poor due to the refinance experience. Please help me to remove the misspelled names from my credit reports. My name is XXXX XXXX XXXX, not XXXX.
The account was charged off as bad debt it was a taxes write off for the company so I know longer own the debt plus the company did n't verify the account in the first 30 days
I have sent many disputes to the Credit Agencies and to Fair Collections and Out in regards to the account that they are reporting on my credit file. I have informed them many times that this account do not belong to me. I contacted the Credit Agencies and they stated that Fair Collections and Out verified that this account is accurate. But it is ironic how Fair Collections and Out will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from Fair Collections and Out. Not to mention, this account is still reporting on my credit file. I need your assistance in getting this matter resolved.
In  XXXX  of   XXXX   we found out we had a delinquent  XXXX  mortgage payment to  XXXX   XXXX   XXXX  when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recieved  XXXX  's payment. The  XXXX  payment made the  XXXX  's payment and now I was late  XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to  XXXX . I called  XXXX  several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XXXX   XXXX  I checked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted   XXXX   XXXX   and told them what I had found out. I made 2 payments to  XXXX  at this time.  XXXX  check for  XXXX  and the other for the missed payment. At this time I asked them if they could please contact the major  Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX   XXXX   XXXX    stating the payment was sent on  XXXX / XXXX /  XXXX   making  XXXX  's payment. The letter I recieve from  XXXX  stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't askin g for anything other than help with Credit Reporting Companies.
Portfolio Recovery are trying to collect debt that does n't belong to me. 
It is false information on my credit report. I 'm trying to get a mortgage and they prevent it from me. I 've called them and they failed to provide information and verify that it is actually belongs to me. 
Since it was n't mine I need it to be removed.
I applied for credit so that I may have funds as I am going thru XXXX.  My credit report from XXXX  and transunion were embarassing and incorrect.  XXXX was accurate and contained information the was true and correct.  I contacted XXXX and transunion and asked why my credit report did not reflect 14 past loans and 4 current loans with 2 current revolving credit cards,  I have banked with XXXX XXXX XXXX XXXX XXXX for over a decade and have never been late nor missed a payment.  I was told that my information was on their system but nobody could see it because the bank refused to pay their fees.  But at the same time if something negative appears they have no trouble reporting that.  there is a 150 point difference between my XXXX report and my transunion and XXXX report.  when I tried to resolve this problem with XXXX and transunion they would not discuss this with me.  This started in XXXX of 2016 with no explanation of why my credit score dropped 150 points in 1 day.
We are under contract to purchase a Condo. On XXXX XXXX, XXXX we submitted a mortgage application to Citizens Bank N.A., XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX for {$190000.00}. We are putting down 20 %. To date we still have not closed. They have put all kinds of conditions on this mortgage. Our credit ratings are all in the XXXX 's and have over {$150000.00} savings in the bank. We own a rental condo in XXXX which is fully paid for and the same tenant has lived there over 10 years. Our debt is under {$15000.00} except for the home we current are living in which will be sold when we move. We have approx.. {$150000.00} equity in these XXXX current properties. We have an annual income of {$90000.00} per our XXXX federal income taxes. I work for the Town that we live in and have been there over 16 years. I have no current plans to retire anytime soon. I am in the XXXX pension and XXXX deferred Compensation programs and have been for the 16 years I have been employed by the XXXX. My husband is retired. This bank has dragged their feet and made many demands which we have meant every one. Now they have approved us for an {$80000.00}. mortgage with no explanation why. I have pressured them for an explanation and now they are saying it was because we had a loss on the XXXX condo. The loss on the condo last year was {$4300.00}. of which {$1500.00} was depreciation meaning they are denying us the full amount of the loan for a loss of {$2800.00}. This property has now been paid off per their demand so there will not be a loss on this property this year. I feel that we have been age discriminated against. They requested copies of our XXXX driver 's license so they know that I am XXXX and my husband is XXXX. We want to move into a condo because our current home is on over an acre of land and has a long driveway. I no longer want to spend my free time mowing which takes almost 3 hours a week and we have the driveway plowed but still have to shovel the sidewalk and the back deck so our small XXXX dogs can get off of the deck. If we do n't close on this property we will lose our {$10000.00} deposit and there are many other fees which we will be responsible for.
I was notified by a credit alert from XXXX  about a flagged account being placed on my credit file. I immediately called XXXX  to dispute as fraudulent and within 3 hours the account was deleted. I also informed XXXX and they removed the account as well. My issue is with Equifax and they way they takse its customers personal information for granted. I have called and get a run around, I have sent certified mail to get no response and havetried disputing online and than to be told my information does not match what they have and Im directed to Equifax Web mail to submit my dispute. Submitted this dispute over a week and half ago with confirmation number through Equifax Web mail. Every time I call to get a status update Im told the confirmation number was not found. I have literally had it with this company. I have been unsuccessful trying to get this fraudulent account removed off my credit file. I have complained to my Attorny General but seems like the process is in limbo. Equifax does not protect consumers and they make it impossible to veiw, dispute or check a dispute online or by phone. I am sick and tired of getting a run around about my credit and it should never have come to this. This company does not protect consumers.
I am registering a complaint against PayPal Credit services for potentially fraudulent handling of my PayPal Extras MasterCard ending in XXXX. For the billing cycle ending XXXX/XXXX/2016 with a balance of {$500.00}, I had mistakenly paid the bill twice. The initial payment was submitted electronically via my bank to a previously closed PayPal credit card, then upon receiving an email from PayPal that my balance was still outstanding, I proceeded submit payment again via the PayPal website only realizing later what had happened. Almost 5 months later, after multiple calls and a myriad of excuses, I have yet to receive either a refund check or a credit to my active PayPal account.
I attempted to get copies of my report from the XXXX agencies through XXXX, but each agency gave a different convenient reason why why they would not present my credit information at this time.
I am unable to communicate with Ocwen because I am being represented by an attorney. My attorney has made several attempts to communicate with the servicers attorney XXXX XXXX and even sent him several emails, as of today no response. My insurance agent has made several attempts to get my homeowners insurance policy renewed, as of today she hasn't been able to get anyone at Ocwen to assist her, probably because the servicer is pulling another flimflam to sneak in another force place insurance policy again. How am I suppose to get matters resolved if the servicer wont communicate with me and its outside lawyer XXXX XXXX wont communicate with my lawyer?
On XXXX/XXXX/15, I attempted XXXX purchases with my debit card issued by XXXX XXXX XXXX XXXX. Both were declined although I had funds in my account. I visited the credit union on XXXX/XXXX/15 to see what happened. The representative informed me that the debit card issuer STAR determined that my card was compromised and cancelled it on XXXX/XXXX/15. I had received a new card, but did n't activate it because there was no explanation issued with the card about why my current card was being replaced.Although my card was cancelled on XXXX/XXXX/15, no one informed me and I continued to use the cancelled card until I was embarrassed in a restaurant trying to pay for lunch.
Honestly I do n't remember when I did the dispute directly with the XXXX XXXX and Equifax. XXXX XXXX has since deleted the balance owed of ( {$19000.00} ) because of an Offer in Compromise to the IRS and a balance of ( {$2400.00} ) which I paid in full by check to XXXX. 

But sent same information to Equifax I did tell them that I had an Offer in Compromise that was accepted by the IRS, etc, but they still show open balances. 

XXXX stil shows open balances. 

Thanks for your time and attention. 

XXXX XXXX XXXX
ftc violations item unknown XXXX, XXXX XXXX XXXX, XXXX, XXXX inquires that i'm not aware of
I have been dealing with Portfolio Recovery regarding their tactics for too long. Now they are harassing people I have n't spoken with in a decade. I contacted Portfolio Recovery and spoke with reps on more than one occasion and they refuse to delete the false degretory remarks on my credit reports. Yet, they want me to pay. They are contacting my family, friends, employers and trying to embarrass me in an effort to pressure me to accept the unfair offer they make which does n't include deleting their tradeline from my credit reports and removing it from it 's history. It should not have been on there so many times in the first place.
I have been harassed with multiple inquires from the following companies listed below, I am speechless as to how they have gotten my information. I contacted all three credit bureau 's letting them know about this situation to avail I am writing a complaint to you to resolve this matter. 

My credit is suffering because of this false inquiry reports. Please help me clear up these unauthorized inquiries from these companies.
Years ago in 2014, I went to XXXX XXXX  on XXXX XXXX XXXX, XXXX XXXX, Ca to get a variety of things done to my XXXX, one of the most expensive things being XXXX XXXX. However, after several visits to the office the XXXX  there was unable to successfully XXXX  the XXXX onto my XXXX which i'm sure they should have records of the visits and many attempts to complete the procedure. During this time i was told my management at the time the i would not have to pay for treatment that was not successfully rendered. Shortly after there was change of management and then shortly after that this entire location was shut up down. Since then i had been receiving bills in the mail for the services that were never rendered i reached out to corporate head quarters more then once. And it seems as though this nightmare will not go away. It is clearly evident if you look in my XXXX  and review the records on file that the XXXX were not successfully rendered and this location had a history of not performing well which is probably the reason for the shut. can someone please investigate. I should not responsible for paying for this debt, it has been having a negative impact on my credit for months now.
on XX/XX/2018 i got notification of a credit inquiry from a company named XXXX/XXXX i never heard of them or have I done any business with them.
I received a collection letter from Stuart-Lippman & Associations claiming they are attempting to collect a debt of {>= $1,000,000} from claimant " XXXX/XXXX/2016. '' The date of loss is " {$1800.00}. '' Despite these strange discrepancies, my name and address are correct. I called the XXXX number on the letterhead and after providing my reference number, I was sent to voicemail.
I filed a claim with my HomeOwners Insurance in XX/XX/XXXX. They denied my claim and dropped me. So in order to get new homeowners Insurance I had to fix what needed to be fix out of my own pocket because my previous HomeOwners Insurance company dropped me and denied my claim. So I sued. I got my settlement check in XX/XX/XXXX and it was written to me and my Mortgage Company.  The Mortgage company decided to treat this like a claim and they are holding my money. Its not a claim its a settlement check from my old Homeowners Insurance Company and that was filed through the court system. I have waited all this time to get my money back for work that my HomeOwners insurance should have taken care of and now my mortgage company wont release my funds. They are turning a settlement into a claim. They wont release my funds and give me my money back. I have given them all the legal documents from the courts and they still refuse to return my money to me. I am in the process of a loan modification which I have paid on time with no issues. RushMore Loan only tries to make the consumer look bad yes, I was late on my mortgage and due for XX/XX/XXXX, and yes I am on a loan Modification which will be coming to an end XX/XX/XXXX. So why are my funds being monitored on a claim I filed with my Homeowners Insurance in XX/XX/XXXX. And why is this being treated like a claim when I never filed a claim with my Mortgage Company. They have no legal document of me filing a claim in XX/XX/XXXX.
The lender is not offered any options other than a Repayment plan that is more than 80 % of there current Net income of {$2500.00} - This does not provide the client with any financial relief or assistance to her hardship that cause the delinquency. The file should be reviewed for all modification options due to the financial hardship that caused the initial delinquency to being with.
A public record pertaining to a chapter XXXX bankruptcy filing on XX/XX/XXXX is listed on all three of my credit reports. On XX/XX/XXXX I mailed a certified letter with a copy of the letter I received from XXXX tx court stating they do not report to any credit agencies. I mailed it to equifax XXXX and XXXX on XX/XX/XXXX I received letters back saying they would not remove the debt. This record is inaccurate amd XXXX court system did not reach out to credit agencies to put this on my credit report. This is violating my rights as a consumer.
Due to a medical issue this year, I had a struggle to keep up with my mortgage payment with Ditech. I called on XXXX/XXXX/2015 to bring it current. In order to get the payment made over the phone or online, a {$12.00} convenience fee is charged. My other option of payment, to avoid the fee, would have been my bill pay. That option would not have gotten the payment posted in a timely manner. I asked for their fee to be waived, but was denied. I explained to the person I was speaking with, XXXX XXXX XXXX XXXX ext, XXXX ), that the fee was high, considering I was trying to catch up on time. I asked how much time I had if I chose to use the bill pay option. I was told I did n't seem to understand my critical situation and I was taking a " XXXX '' attitude towards my responsibility. I had more questions, but did not feel comfortable at that point talking to this individual. Sometimes persons with the best intentions fall on difficult times. I wanted to seek assistance, but now do not know where to turn.
I previously used XXXX XXXX  as my auto insurance provider. I contacted this company and canceled coverage due to their high costs, and notified them over the phone. The amount of insurance paid was always deducted monthly through ACH payment, and after this was canceled the payment stopped being deducted and I should not of owed any additional money. However this company is stating that the policy was not canceled and they continued billing me until XX/XX/18 and are stating that I owe them {$1700.00}. This is fraudulent.
Barclays restricted my business XXXX credit card number XXXX since XX/XX/2018 that I had for few years now. They have asked me to send verification documents which I have sent. Every time I call their security dept, they tell me they are still reviewing and will get back to me. It is almost going to be 6 months and they are violation time frame in getting this resolved. I would like to unrestrict my card so i can continue to use.
There were several attempts to contact the credit collection company via telephone. The telephone number listed under the credit company 's name was not in service which raised my concerns that it may be of a fraudulent nature.