WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX Verified complaints against Wells Fargo Mortgage Re : loan number # XXXX XXXX XXXX XXXX XXXX XXXXXXXX IA XXXX Plaintiff : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/XXXX You sent me a letter with a projected loan balance as of XX/XX/XXXX in the principal balance amount being XXXX your court records indicate a different amount being XXXX did you forget to credit my payment made cash paid on XX/XX/XXXX specifically in reliance to the principal deposited at your XXXX XXXX XXXX XXXX in XXXX XXXX at XXXX XXXX. In Addition to that amount did your also forget to Credit me for the balance of the monies that your bank kept in escrow from the insurance Company the amount was over XXXX in relevance to Hurricane Wilma during the conception of time on/or after XX/XX/XXXX .more than 11 years ago. 

Did you notify or advised the appropriate authorities knowing that after Hurricane Wilma the insurance company that you contracted under forced placed insurance only disbursed XXXX which is less than half the amount of money that was necessary to repair the accrued damages that occurred on and in my property that exceeded XXXX worth of damages per FEMA estimate of damages consequently involved during the activities you were well aware of. Your actions placed me in a forced position to make a secured loan against my property in the amount of XXXX with the US Small Business Administration to repair damages that your insurance company was responsible to pay for but didnt. 

Further from XXXX to XXXX you have forced placed inflated unlawful hazard insurances On my property and I reserve the right to claim all those charges against you. 
XXXX XXXX XXXX. 
Wells Fargo Forced Placed Hazard Insurance Lawsuit Lenders often require that borrowers purchase hazard insurance on their property to protect creditors from situations in which an uninsured homeowners property is damaged. Most mortgage contacts allow banks to purchase this insurance at the homeowners expense for a fair price. The Wells Fargo forced placed insurance lawsuit was filed on behalf of borrowers who have allegedly been overcharged for homeowners insurance to the hidden financial benefit of the bank and its subsidiaries. hidden financial benefit of the bank and its subsidiaries. 
Further allegations against Wells Fargo include backdating the forced hazard insurance to the date the homeowners policy expired and threatening to retaliate against those who come forward with a lawsuit. Each of these practices is allegedly illegal and may create an unnecessary financial burden on individuals and families who may already be struggling financially. 



I submit this serious active complaint before the authorities involved and notified XXXX XXXX XXXX XXXX
I got a car loan with Huntington Bank with payments starting XX/XX/XXXX for XXXX payments. I paid off my car in XX/XX/XXXX and was charged a XXXX early payoff fee. I got a letter stating they electronically filed my title and I have to go to the title bureau and pay for a paper title. I got a copy of my loan agreement and it states on line ( XXXX ) License, title AND registration fees {$20.00}. Bank reps state that I did not pay for my title just the registration fees. I stated that is not what I signed and that is not what the line states it stated AND not OR. I originally called on XXXX XXXX and someone was suppose to call me back by that Friday XXXX XXXX. No call and I called back today XXXX XXXX and the Supervisor I talked to on XXXX XXXX failed to notate my account at all. The Supervisor I talked to today stated the above so I filed a complaint with Huntington case # # XXXX and they stated I might get a letter with the resolution? Which would be nothing because I did not pay for a title and that line means any of the fees. I stated again then it should state OR not AND. I believe I should get a paper copy of my title since I paid for my car in full or I should get remimbursed for the fee I paid plus interest that I paid for all of the years.
My name is XXXX XXXX XXXX. Credit bureau service is reporting another ladies information on my report. XXXX XXXX XXXX. I would like her information moved of my credit report at once. I have great credit and is obvious this XXXX XXXX XXXX does not. Her dob does n't match dob. Her social security does not match mine. This is hurting my credit. Just because the worker are to quick to put info in get a job done. That they are not paying attention to the information. Please get XXXX XXXX XXXX of my credit report.
I have disputed this issue with the company ( conns ) multiple times and even reached out to them on three different occasions in regard to this debt the company stated that the debt was in regards to a television which I do n't have and have never had.The debt which is being owed is an extremely large amount which I would NEVER finance for XXXX. Please assist me with getting this collection resolved. I have never even gone to this company and when I asked them how did I get the tv to my home they said that I carried it. how would I ever do that?
I have tried numerous times to get this erroneous credit Reporting by First Data resolved. I am requesting a verification of this debt, which I am intitled to receive upon request in writing within 30 days. My mailing address is XXXX XXXX XXXX XXXX CA. XXXX.
TransUnion had a computer glitch and inquiries were added on to my report. Transunion added the inquiries without sending me a written notice 5 days prior to re add them. I contacted Transunion in good faith to ask them to remove the inquiries that they illegally re-added. I took notes of everything that was said.I explained that the inquiries added a hardship and my rights have been violated. CFPB please help and stop letting Transunion from victimizing me.
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided 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. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I am once again ( 2nd time )  requesting that the following accounts be verified or deleted immediately. Please Provide Me Physical Verification of the following accounts. 

XXXX XXXX  XXXX Account Number : XXXX XXXX/XXXX   Account Number : XXXX XXXX XXXX  Account Number : XXXX
8 Years I cant get a New Credit Card Becuse of the Attached Photo of a Extended Consumer alert in my Credit File ====== Can XXXX Equifax and XXXX XXXX please Remove the Extended Consumer alert in my Credit File XXXX XXXX Sent me a Attached Picture of a Extended Consumer alert Please Remove ============== 50 times I sent the 3 Credit Burow pictures of 3 Forms of my ID and the Credit Burow almost never respond other then They Cant verify me or Send ID agin ======= XXXX RESPONDED DESCRIPTION OF NON-MONETARY RELIEF According to our records, your XXXX  credit report does not display a fraud alert. 

=== XXXX did not Respond about the Extended Consumer alert XXXX  Please Resond about removing the Consumer alert ======= XXXX should Remove the Extended Consumer alert in my Credit File XXXX XXXX  CEO Banks XXXX XXXX and XXXX XXXX XXXX robed me {$100000.00} dollers then 40 Bank lawyers say its Imposabale two Comprhend the Bank rob people the bank cant comprhend Robing People 6 years Im a XXXX  living in Forign Countries its Verry Hard two find a Printer two mail the Credit Burrow a letter two Please Remove the Remove the Extended Consumer alert in my Credit File American Banks rob all my Money making me a XXXX  then American Banks block 90 % of my banking dose not Work The Banks Block all my XXXX  Purchase I applied fore 100 new Bank acounts all denied but one Bank that Nothing works CFPB says two call them and The only way two call and American BANK 1800 number Requires a CELL Phone with International long Distance cost {$5000.00} dollers a YEAR
On XX/XX/XXXX, I accidentally sent a payment to a closed Discovery Card account through a bank transfer. I notified them of this and they issued me a check in refund and deposited it. On XX/XX/XXXX, I revived a statement for the closed account showing a zero balance. On XX/XX/XXXX, I received a statement of {$270.00} balance on the closed account that they were attempting to collect. I have made no purchases on this account since XX/XX/XXXX. I sent a letter to contest the validity of the debt before the end of XX/XX/XXXX and have not received a response as of XX/XX/XXXX.

I received a statement with a {$290.00} balance on XX/XX/XXXX, and they have reported a non-payment to credit reporting bureaus.
Freedom Mortgage XXXX # XXXX Please explain why my statement dated XX/XX/XXXX for transaction Activity XX/XX/XXXX-XX/XX/XXXX has XXXX transactions which appear in the following transaction descriptions and why are transaction effective dates listed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on this statement? 
1. Why are any figures listed in Payment Reversal? 
2. Why are any figures showing a minus sign in any area and then showing a plus? 
3. Why are any figures listed in Curtailment Rev? 
4. Why is $ XXXX listed under Fees paid dated XX/XX/XXXX and effective XX/XX/XXXX amortization schedule which I was not informed of any fees and did not agree to pay any fee when I ask for Freedom Mortgage to correct their mistakes when they falsely incorrectly reported me late to the credit bureaus. 
5. Date XX/XX/XXXX, under transaction Effective dates for XX/XX/XXXX, {$1200.00} appears six times, {$1100.00}, - {$100.00}, - {$100.00}, - {$10.00}, - {$1200.00}, - {$9400.00}, {$5000.00} appears once each. Why are these figures listed? Under Interest Paid to Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are listed. Why are past Months appearing for the date of XX/XX/XXXX? 

6. Why do any figures appear listed under the column Unapplied Funds? {$1200.00} is listed 5 times, {$2000.00}, {$1200.00} and - {$9400.00} is listed once each which all equal 0. 

During this statement period from XX/XX/XXXX through XX/XX/XXXX there were XXXX transactions. 
Freedoms auto debit for {$1200.00} paying {$1100.00} P & I and {$100.00} for principal only plus and additional principal only payment for {$5000.00}. 
The statement should show Freedom Mortgage 's auto debit for {$1200.00} on XX/XX/XXXX paying {$100.00} to principal only and {$1100.00} to P & I and an additional principal only payment for {$5000.00} on XX/XX/XXXX.
PRA failed to send any validation to my correct address as noted in their previous response. They ONLY sent validation to a third party without knowing this data would reach me. They did not give me the option to dispute this nor did they inform me of my violation to do so. This is a violation of the FDCPA in regards to communications from debt collectors. 

" In fact there are cases that have coalesced around the proposition that " while the plain language of the statute does not require the debt collector to ensure actual receipt of the validation notice, the plain language does require the debt collector to send the validation notice to a valid and proper address where the consumer may actually receive it. '' XXXX v. XXXX XXXX XXXX XXXX, XXXX. XXXX CV XXXX, XXXX XXXX XXXX, XXXX ( XXXX Ohio XXXX XXXX, XXXX ) ; see also XXXX XXXX Credit Bureau XXXX XXXX County , XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 

The reasoning in support of this interpretation is persuasive. See XXXX, XXXX WL XXXX at XXXX. While XXXX and related cases have focused on the " written notice '' phrase rather than the " communication '' phrase of 1692g ( a ), it  makes sense to interpret the two provisions in parallel. 

The clear purpose of this section of the FDCPA is to require any debt collector who contacts a consumer to give that consumer a specific notice and an opportunity to dispute the debt. This purpose is best served by construing " notice '' and " communication '' as applying in the same circumstances. 

Given the evidence available, this Court concludes that Plaintiff has shown beyond dispute that the XX/XX/XXXX letter is not Defendant 's initial communication with Plaintiff. As was noted above, Defendant sent this letter to an address where Plaintiff has never lived. In fact, there is no evidence that Plaintiff has any connection with the XXXX XXXX address at all. '' This is the exact tactic pulled by PRA with me. They knew they were sending off information to a third party knowing this was not my address as they were already provided this from the alleged original creditor right? This is a violation of my right as a consumer to dispute this account and receive proper notice of debt. If I was given this information at the time I would have disputed the validity back then. In fact, I have had to fight PRA for ANY proof for a debt they claim to be valid. This was all done through a third party that did not forward this information. 

This is on PRA as the debt collector to make sure that I was properly notified of this debt and given the chance to dispute. Instead I have had to deal with their continued harassment and defiance that they have continued to lie about. I have taken a significant time out of my life to deal with this predatory company and intend to sue for their numerous violations and illegal tactics.
I have been in communication with FCO. They are very uncooperative and make things very confusing, on purpose. We had make an arrangement for a debt to be settled as in full. Payment was made and cleared. Now they will just report as a settlement and not in full as they stated in their email.

This company is very unethical and uses words to confuse the average consumer. I am very unhappy with their sneaky ways.

The payment was made from two accounts on XX/XX/XXXX and cleared both accounts on XX/XX/XXXX. Attached is the communication between FCO and myself.
Credit reporting agency has not removed derogatory remarks on my report. Agency continues to report remarks beyond the statutory period required for removal. 

Referring to XXXX XXXX XXXX partial account number XXXX .... late payments, and XXXX XXXX XXXX. partial account number XXXX ...
My loans were transferred from XXXX to Nelnet some years back. During the time of transfer, I had automated payment scheduled for XXXX XXXX and used to make payments to XXXX XXXX through auto pay. My interest rate was fixed at 1.25 %. Upon three months of the transfer, Nelnet stopped drawing the funds through auto pay, and claimed I missed two payments. Since I missed those two payments, they doubled my interest rates to 2.5 % along with adding late fees. When I called and complained they stated I needed to fill out a form and authorize Nelnet to draw funds from my account. I was completely unaware of all of this. My complaints on this issue were not considered and my interest rates have remained doubled then what they should be. I did n't know where to go to complain until I heard about the BCFB lawsuit against XXXX. Please help resolve this issue.
Rep indicated that Medical Debt was not allowed to waive any additional amount due to being a policy of the account holder and not their policy. This is a false statement as they are able to accept discretionary compromises and this was confirmed in a follow up conversation later that day. They even submitted a compromise request for review.
Fifth Third Bank closed my checking and saving accounts. When called the customer service No Reason was given. Made several calls. They just gave me the name and number for the investigation department to call ( XXXX ) and talk to XXXX XXXX there to get information about my closed accounts. I called XXXX XXXX every day for more than a week ( XXXX/XXXX/16 through XXXX/XXXX/16 ) and left several voice messages for her explaining my concerns and requesting a call back. No one called. 
Finally had my brokerage accounts fund manager XXXX, at a local Fifth Third branch ( XXXX XXXX, IL ) on my request, tried to get hold of her and was told that it was blocked for some suspicious deposits and withdrawals. The bank would not specify which transactions. I have checked with all my vendors and clients and none of them had reported any issues with the payments they sent or received. All deposits and withdrawals were made into/from the accounts within US.NO FOREIGN TRANSACTIONS were made at all. The branch manager who spoke to XXXX also mentioned that the case is being reviewed by a different person and she would be giving me a call to discuss this case within next couple of days. More than a week passed and no one called me. 
Later I received a letter from Bank Protection Department of Fifth Third Bank that my accounts would be closing within10 days ( Again no reason was given ) and a Cashier Check for the balance in my accounts will be sent to me shortly. 
It 's been several weeks now and I have not received the check for the funds that were in my accounts at the time they were closed. Fifth Third Bank does not tell me the status of the check. All my savings were in the accounts and I am left with nothing. Had to borrow money from family to pay the bills that were due right away and still no word on my funds availability from XXXX. I had over {$15000.00} in both saving and checking accounts all together. 

Please help me get my money back. 

I need Fifth Third bank to send me my money that was in the accounts when they closed it as they promised. I still have the letter that they sent to me stating that a cashier check would be sent.
XX/XX/XXXX I was waiting results of XXXX hearing, having had XXXX in XX/XX/XXXX and unable to work. My Chase Visa became past-due and was charged off. XX/XX/XXXX I received acceptance to XXXX and made a settlement payment to Chase for {$10000.00} and paid settlement in full XX/XX/XXXX. Chase sent me letters assuring me a paid in full settlement would be reported to the credit bureaus. But for 2 years and numerous disputes I still have CHARGE-OFF and a payment of {$0.00} for status for this account. I am being denied credit due to this account reported inaccurately, not reflecting any payment on this account, only charge-off. Chase keeps assuring me in letters they will report it as paid, but they keep giving credt reporting agencies misleading information as if I had made no settlement payment at all. XXXX just sent me a current dispute result, I requested and the status shows CHARGEOFF and the account code is charge off and payment is {$0.00} XX/XX/XXXX which is not true. I am not able to get a home equity loan due to this erroneous reporting. Please help!!!!
My wages were being garnished pursuant to Court Order for a debt on which a judgment was obtained. 

The amount that was authorized to be collected was {$2300.00}. 

They collected {$2400.00}, {$100.00} over the amount owed and authorized. 

The law firm of Pollack and Rosen is the debt collector. 

They sent me a check for {$45.00} for the overage collected. 

I made repeated attempts to contact the law firm about the balance of the overage. I was finally able to speak with someone at the firm and was told I would have to talk to my employer about the rest of the money. My employer told me to talk to the law firm as the money was sent to them. ( {$54.00} )
In XX/XX/XXXX I applied for a refi with US Bank. They offered me a XX/XX/XXXX refi at % XXXX. The rep from US Bank signed the agreement and sent it to me and I signed it along with my father, the co-borrower. After a few weeks, they contacted me and told me that ( XXXX XXXX ) my loan rep was fired due to mistakes he made on my and others loan refis and that they couldnt honor the XXXX rate. I then got a higher rate and stayed with US Bank. I applied for another XX/XX/XXXX refi in XX/XX/XXXX and did and provided everything US Bank asked for and in a timely matter. They are now rejecting the loan refi stating that I do not have XXXX straight years of XXXX income. My employer ( who I have been employed with for XXXX years ) took me off of XXXX in XXXX of XXXX and put me on XXXX. So that only gave me XXXX XXXX years of XXXX income. I actually bring home more money with the XXXX due to deductions but they are denying me the refi and are offering a higher rate. THanks for reading and helping
I was paying my mortgage payments regularly to Lender Live/ XXXX XXXX XXXX since 2015. I was dividing my payments into {$680.00} twice a month because it is easier for me to budget that way. All was going well until ( read on ) : XXXX XXXX and XXXX XXXX I made XXXX payments of XXXX and it was applied to XXXX XXXX. 
XXXX XXXX ( my bank sent out XXXX payments by mistake and said my payments were on automatic which they were not ) and XXXX XXXX - XXXX payments of XXXX were to be applied to XXXX XXXX XXXX XXXX and XXXX XXXX I paid payments of XXXX each to be applied to XXXX. 
In addition, on XXXX and XXXX I made additional payments of XXXX and designated exactly how these chould be divided to try to pay off a little bit of my loan early. 
One of my XXXX payments went directly to T+I and my XXXX went to T+I. I had to call them to ask them to apply them appropriately. The lady I spoke to said that never should have happened. The payment of XXXX was reapplied but again to XXXX which I had ALREADY paid. When this started happening, they promptly sold my loan to XXXX who is telling that I am arrears for a payment. 
I sent a registered letter to XXXX XXXX asking them to send me past statements ( which I can no longer access online ) so I could try to understand what had happened and they sent me XXXX sheet of paper with XXXX lines on it with T+I balances on it from XXXX and XXXX. They did not send me the statements. Luckily, feeling that something was amiss, I did happen to do a print screen for these months I am talking about but you can not tell that payments were sent to T+I. The error from XXXX is on there. 
I am tired of trying to deal with XXXX/Lender Live and I a tired of trying to tell XXXX that my payments were caught up with LenderLive and I should owe them NOTHING in arrears. These places are just too big for me!! 
I hope you can help. 
Thank You, XXXX XXXX
I turned XXXX on XX/XX/2018 and was enticed by Citibank 's promotion to open new checking and savings account. I went with my grandfather and opened the account at Citibank XXXX, FL branch. Promotion was for {$200.00} and the personal banker guided me for the same. I made a note to maintain the balance of $ 25k+ for 60 days as mentioned to me, which I did. Citibank denied the promotion on false pretenses and requirements, which were never clarified or mentioned during account opening. When I went to branch they told me to call the toll free number. I was on a long hold with my dad to get the issue resolved ( over 1 hr ) and to no avail. They could not even find any promotion listed on my account.

Citi is doing deceptive practices and I am annoyed by their customer service.