WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX. My complaint is about the property located at XXXX XXXX XXXX XXXX. Loan # XXXX XXXX XXXX. I have made 4 payments to Wells Fargo Home Mortgage. One payment was on : XXXX/XXXX/XXXX for {$860.00} and a second payment was made on XXXX/XXXX/XXXX for {$860.00} another payment made on XXXX/XXXX/XXXX and another payment made on XXXX/XXXX/XXXX .Wells Fargo Home Mortgage has received and deposited all payments but they will not credit the payments to the loan. I have called Wells Fargo Home Mortgage several times and each time they say they are working on applying these payments to my loan. I am not behind on any mortgage payments. Wells Fargo Home Mortgage has sent me a letter stating " Notice Of Intent to Foreclose ". Again I am no payments behind and I have a record of Wells Fargo Home Mortgage receiving payments from my Wells Fargo checking account. I feel Wells Fargo Home Mortgage is attempting to place stress on me and take advantage of me as a senior citizen and foreclose on my property that I have had over 20 years. I feel Wells Fargo is violating XXXX XXXX property rights with deceptive practices with seniors and their home. CFPB your help is very much needed. Wells Fargo Home Mortgage last year stole over {$9300.00} of money from me and my husband stating we owed in Corp Advance Fees. We I asked them to itemized in detail what the Corp Advance Fee of {$9300.00} was for Wells Fargo Home Mortgage refused to give a clear itemized disclosure as if senior citizens are secondary people. I am senior citizen and do n't want to get ripped off again this year from Wells Fargo Home Mortgage. 

Thank you, XXXX XXXX
I 've previously addressed this matter via CFPB and Equifax reported that it is not displaying on my credit report but the account still remains. See attached. 

Company 's Response Dear XXXX XXXX, we received the complaint you submitted through the CFPB Portal. Equifax has reviewed the complaint and its records. After further review, the disputed XXXX XXXX account is currently not reporting on the Equifax Credit report. If you have any additional questions or concerns regarding your Equifax credit file, you may visit us at www.equifax.com or call us at the toll free number provided on your credit report.
i had closed XXXX of many accounts i had with citizens bank, although the account was closed i could still view my register with all my critical information, then without warning all records were removed from my account on XX/XX/2017, all this was done without warning, i need these records for my tax filings, i have tried call but they pass me along from person to person, keep me on hold, i get cutoff weith no return phone call and then they tell me they will give me the info at a huge cost, they say they do n't have to give notice for deleting your history, i know i need a new bank but i need my records, i am retired, have limited income and do n't feel i should pay for what is mine. thank you
XX/XX/2018 BOA called my work # ( above ) asking for me again this is not the first time but I sure want it to be the last I dont need to loose my job This is not acceptable at the school that I work at
Transunion had a glitch in their system that violated MY rights under section 6.11. As a result I have been affected as well as my score. No notice was ever given to me -which is also a violation. Iam requesting that ALL inquiries be removed.
I recently had debt to settle had no problems with that. I been trying to restore my history so if I owe I was pay. But XXXX capital management had a representative call my phone. When I ask for verification of the debt thats where it got out of hand. I was told they he was a lawyer which is a lie and that he did n't need to send me any info about the debt at all. Which scared me I recently had my bank info stolen. So i was a little unsure about just giving out my info. I wanted some simple paperwork to prove this person is legit. He got highly upset and ask if I had a lawyer because if not I will need one. I think it was a scar tactic. My I repeat he said he was with a law firm and not a collector. And that I wanted simple paperwork to be mail to me that is all. But no he hung up in my face. That after me threaten me to get a lawyer. I had no problems paying. I did a little resource may I add they called from a local number so I was scar at that. I try to google the number no businesses came up at all. I got even more scared. I thought somebody was trying to get into my bank info again. So I called the same number from another phone. It sent me to a operator. She told me it was alliant and they was trying to collect a debt. She ask who I was talk to. I could n't remember his name. She went me or I ask to be sent to a different person. I also google they and found a New York address and phone number. I called and got in touch with somebody. I told me it was alliant and ask for my name and that they was contacted to collect on a debt. I and to do all of that to verify the source was right. When the person who contacted me could have told me this. So I spoke to a rep. He insured that they are a debt collector and not a lawyer office. I told him that another rep said he was a lawyer. I guess he thought I was lying or he was trying to cover for his co-worker. I came to a settlement. I had no problem in doing so. I issue is the first rep misrepresented himself. I guess trying to scar me into paying. He was aggressive and hot tempted. And not willing to listen to he and trying to degrade me over the phone. I want the taped conversation of the first rep so I can pursue legal matters. He did n't have to lie about who he was I was at work and could n't talk I got confused and scared. I just had my bank info hacked. And some random number called and say do you have a lawyer well get one. If you do n't pay you need a lawyer. Like I was supposed to say well here is all my bank info. All I wanted was some simple paperwork. Or somebody that had a nicer and more calm attitude so we could resolve the issue. He stated I do n't need to give you any info at all I am a lawyer. I called the local non-emergency number because I was scared. I thought somebody was trying to steal my info. I did n't know what to do.
I have a mortgage that is in bankruptcy. The court sends me paperwork from the company ( Ocwen Loan Service LLC ) and it quotes my monthly note as {$940.00} as of XXXX/XXXX/XXXX. The quote also list my previous note ( for the last six months ) as {$1200.00}. In XX/XX/XXXX I received a quote from OLS stating that my note will be {$1700.00} beginning on XXXX/XXXX/XXXX and that was the note the six months prior ( that they had previously stated was {$940.00} ). This might not be serious to you, but according to my previous complaint, this is what happened last time when Ocwen decided to do XXXX mathematic and tried to take my house. I thought that we had gotten a good understanding since I was forced to go back into bankruptcy to save my house. I have truly struggle trying to save my house that I only owe {$33000.00}, despict the fact that prior to writing to the banking authority they had me owing {$67000.00}. Even though I owe less principal than I have ever owed, the company is requiring that my note is more than it ever have been. That note is almost impossible for me to pay. I have spoke to the insurance company and they have gone from {$2500.00} to {$10000.00} deductible. They took off the term " replacement cost '' and the house is being insured for regular cost of {$130000.00}. The insurance company is in the midst of refunding part of the money that the company has paid for insurance. However ; even with the additional cost of insurance, the fact that interest rate and index is less than it has been, and the amount owed on the house is half of what it originally was, I do n't understand a note of {$1700.00} monthly. I truly do n't understand how they quote XXXX monthly price to the court and quote me a different amount and back date the information..
I had an installment loan with Moneytree. I made payment arrangements with my first payment due Sat XXXX. I called and made the payment and was told the money would n't be taken out of my account until Monday the next business day. I said please make a note that payment was made on time and was told no problem, you 're ok. 

The following Wednesday XXXX I get a call at work. I was busy so the bartender took a message. I get the message that says " Call XXXX at Moneytree " along with an XXXX number. 

I returned the call and was told you are late on your payment and I informed her I was not and had a confirmation number to prove it. 

They called and shared my personal information with a third party ( the XXXX ). Not only have they now humiliated me at my place of employment but have jeopardized my job due to the industry I 'm in.
I would like Midland Funding LLC to provide contract with my authentic signature that begun this alleged debt. I previous requested that they provide contract with my authentic signature, but I never received a response from them. Midland Funding LLC are in violation of FDCPA
Kohls advertises 25 % off your first purchase when you apply and are approved for their credit card. I applied and was approved which I only did to get the discount on a pair of XXXX XXXX XXXX.  However when I went to make my first purchase and get my promised 25 % discount I was told that item was excluded??? because it was a special item. I spoke to store manager first and said I did not see that on the big 25 % off advertising to entice me to apply ... I asked for corporate contact number which she nicely gave me. I spent today contacting them and was told about this exclusive brand and how the manufacturer didnt allow the discount?? I said they ( Kohls ) could do the right thing and credit my account to keep a customer happy because they are the ones advertising their credit card with the discount. I feel it was false advertising. I could have used my XXXX XXXX credit card and earned miles instead of wasting a hit on my credit report for basically nothing. I did not get my discount because it is only a discount on selected items not anything you buy. That should be in BIG letters right beside the 25 % off of YOUR first purchase!!! Complete false advertising!
I had been getting incessant calls from Phoenix Financial Services regarding an unpaid debt for an emergency room visit. I had informed them multiple times of the status and why it has gone unpaid ( there is a pending lawsuit ). XX/XX/XXXX, Phoenix Financial Services called me and I asked for a verification of debt. I never received one, yet they called me again on X/X/2017 to inquire about payment. I informed them that I had not received their verification of debt and that they were breaking the law by calling me. They said that they had sent it already so it was not breaking the law. I asked them for a tracking number, but they did not have one. This leads me to believe they did not really send the requested verification.
In addition, the telephone agent was rude and was routinely spoke over me. I asked if she was going to allow me to speak and she said no, so I hung up.
Continues to place calls to me at my place of employment although I have asked repeatedly not to. I spoke with a manager XXXX this time who continued to ramble on after I advised again that I can not receive these calls at work.
I have an item on my credit report that XXXX XXXX XXXX Equifax, and XXXX keep reporting as delinquent. This item was XXXX in a chapter XXXX bankruptcy, all they have to do is research the XXXX XXXX XXXX, XXXX XXXX. I 'm sick and tired of the companies trying to keep me from fixing their errors. My old dispute over a month ago still has not been resolved # XXXX With XXXX XXXX XXXX, it 's an open and shut case but their stalling. If they ca n't find the information then they should have deleted it.
I received a phone message on XXXX/XXXX/2015 from Fairfax services tel # XXXX. They asked that I return their call to XXXX. I googled the name of the company which I discovered is a debt collector. The message stated that they are looking for whomever is handling the affairs of a named relative of mine who has been deceased for thirteen years now. I am also aware that all that person 's debts were cancelled upon their death with all creditors. Therefore, I am shocked that someone is harassing relatives to collect on debts of a deceased person thirteen years later.
Company called ARA left a messages on my wife 's and I cell phones stating that they were filing XXXX counts of fraud against me for a pay day loan that I defaulted on and that they were going to contact my employer and the apartment complex manger where I live. The loan is 3 years old. I got scared and returned the call and gave them my bank account number in order to stop any proceedings. Is this legal. The contact number is XXXX extension XXXX. Spoke with a lady named XXXX. I paid her {$150.00} from my back account on XXXX XXXX. I asked for a receipt and never received one. Called XXXX back on XXXX XXXX. I had to leave a message. It is now XXXX XXXX and I have yet to receive a return call. I feel I have been scammed with threats. My wife and I have saved the phone messages.
I am a federal employee who has submitted certification for the loan forgiveness program. I received information when my loan was transferred to XXXX as the servicer in XXXX that I had only made 11 payments. I contacted them to let them know that I had been in repayment since XXXX and worked for the government since XXXX. They told me that it took approximately 12 months for the information to be loaded into the system. I contact XXXX after 12 months and was told that my account had been updated. I submitted another certification in XXXX so that the payments made in since my last certification could be reflected. The number of payments were 27 for one loan and 54 for another loan which was still inaccurate. The money for all my loans were ach debit as one payment so the number of payments should have been the same. Even if the all my loans indicated that 54 payments were made it was still incorrect. I should have 72 payments. I contact XXXX and was told that another request for a review was put in and it should be done byXX/XX/XXXX I was told by XXXX to send bank statements to prove that payments were made and I told them that I should not have to incur a cost to go to my bank to research and obtain bank statements going back to XXXX. I called XXXX again in XXXX and now I am being told that it will take between 12-18 months for the review to be completed. This is unacceptable and keep going on and on with no end in sight. I am entering my 7 year with the government and should not have to get denied when it is time to apply for forgiveness because they can not get there records correct.
I filed a dispute with Equifax on XX/XX/XXXX, was emailed to say the results were complete and available to view online. Attempted to view results and was unable to do so. I called the company requesting a copy be sent to my residence. I was told it would arrive in 7-10 days. I didn't receive it. I called them again after the 10th business day and told them I haven't received it. I requested a second copy and the same thing happened. I called again and stated that this is an issue with me receiving this document if there's is something else that can be done. They said no and I'm out of luck. I need the document for proof of my records and they refuse to provide it.
Starting in XXXX 2014 they were some reversed payments due to escrow payments applied to my mortgage account incorrectly. This has showed as late payments causing me to get behind and Chase is yet to correct. 
Now Iam facing foreclosure.
In XX/XX/XXXX I pulled all 3 copies of my credit reports. I noticed two ( 2 ) accounts from The Bureaus and Bureaus Investment Group Portfolio NO 15 LLC. In XX/XX/XXXX I disputed the two ( 2 ) accounts with all 3 credit bureaus. In XX/XX/XXXX, all 3 credit bureaus came back as verified. I never received a dunning letter from The Bureaus or Bureaus Investement Group Portfolio NO 15 LLC about the two ( 2 ) alleged accounts. I was not notified within 30 days of them placing negative information into my credit file. On XX/XX/XXXX, I sent a certified letter to The Bureaus specifically stating I needed validation of alleged accounts. ( Letter enclosed ) On XX/XX/XXXX I received correspondence from The Bureaus with a generic Bill of Sale and a bank statement. However, I only received response to 1 alleged account.
As of XXXX 2015 my mortgage had been administered by Bayview Loan Servicing and previously it was XXXX Mortgage. From the very beginning I have had difficulties getting my payment issues resolved with them. After several attempts to pay my mortgage, I finally was able to make a payment in XXXX. I set my payments for automatic draft in XXXX with Bayview and requested an extra amount to withdrawn from my checking account to pay down the principle. Bayview sent me a letter showing that they had received my request and that they would begin withdrawing from my account the larger payment. My goal is to pay down my loan as this is an interest only loan. I noticed immediately that they were only taking out my minimum due and not the extra amount as requested and they had acknowledged in writing that this would take place. XXXX months later XXXX XXXX of 2015 ) and several calls later, I finally was able to speak with a manager to request that this be corrected. Prior to this I made several phone calls per month with the same response - " We will have a manager call you to correct the matter '' only to never receive a call. I have wasted a lot of time on the phone trying to get this resolved and they currently are telling me that it will be correct for my XXXX payment. This is what I have been told for the past XXXX months so obviously I have my doubts. My biggest issue is the half of year that I missed out on to make extra payments. I tried several times to pay extra online, but it would only allow me to pay my interest on the loan and nothing more. Bayview is a terrible servicing agency and is creating issues for their customers and needs to be held accountable.
Ford Motor Credit has continued to report fraudulent information on my credit reports. I have disputed this information several times and corrections were made. However Ford Motor credit continues to report fraudulent information over and over. The account has been closed and written off for many months. However Ford Motor Credit continues to increase the balance and even know there is no payments due Ford Motor Credit reports missed and late payments every month and increases the balance. I have a letter from an attorney who represents ford that tells me do not send payments to ford motor credit. So if the account is closed and charged off, written off and it shows no payment is due. How can Ford Motor Credit continuously report that my payment is late and how does the balance increase on a closed account.
I was late on payments and signed up for the hardship program in XXXX of this year. They still are still calling me from blocked numbers and different numbers from different states saying I need to resolve this issue. Tried talking again in XXXX, they kept transferring me to different departments. They call me XXXX times a day, as a XXXX XXXX XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX Please make them stop. XXXX XXXX is the name it is a tuition solutions account for when my son was attending XXXX XXXX XXXX for tutoring.
Back in XXXX of 2016 I purchased some furniture from Bassett furniture, and decided to use the wellsfargo card they offered and utilize the promotion they had. It was deferred interest for a year I made three sepetate purchases. One was for a large amount the other two were smaller amounts. Throughout the course of the year I made payments toward my balance with the understanding from them that all the money I was paying was going toward the main first promotional balance. I am close to the end of my first promotion and was going over numbers and realized that the money I was paying all this time was indeed not going to my main promotion. When I called them to ask what was going on, I was informed that I did not have a credit card but a loan. I began to explain to him I did n't take out a loan I had have a credit card, a XXXX card, and that every month I get a credit card statement. He decided to continue to belittle my intelligence and offer no help, rather pass me off to a supervisor. I spoke briefly to the supervisor and he said that I should of known this was how they operated, that he would get back with me, but never spoke about how out of the twenty times I called over the course of the year the employees should n't of lied to me. I would of not made any purchases with them had I know this, much less numerous ones. PLEASE do not for any reason use wellsfargo bank card service for any reason. They do not operate like any other card companies at all, they make sure you are undable to pay off any of your balance on time, and will lie and twist the truth to get you to use them. I have used many promotions and neve have I been scamed like this.
Please help me, I have disputed previously a couple things with Equifax , provided them my ID 's so they can process, legal name which should be the ONLY one listed is XXXX XXXX XXXX. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.