WillisBack/dataset-financial-user-claim huggingface dataset:
Good morning, I looking for answers regarding my mortgage account with Wells Fargo. I received annual escrow projection for 2017 taxes. This analysis is based what they " think '' coming year taxes. This projections are often inaccurate and never adjusted if not disputed. Well I have attached what was sent to me and it does not reflect my actual monthly payment. 
I have spoken to several of Wells Fargo representatives last ( XXXX XXXX ) and it still does not answer my question. Projection is based on a payment made twice a month payment of {$690.00} this amount is incorrect. My actual payment is {$620.00} twice a month. Why this rate is not based actual amount being paid? WHY? If projection is false so is calculation for monthly rate? The past few year my receive a tax credit. See noted on tax record.This has been on going and I feel my current monthly payments is inaccurate. I 'm asking for someone this to review and advise. 
Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
XXXX collection companies claim that we owe them a small amount but will not provide supporting documentation. The name on the collection letter is similar to ours, but that name was actually used by someone infringing on our trademark several years ago. 
For the past 2 months, we have received collection letters from different agencies and same account number. I have requested supporting documentation ( email and written ) in both cases but have not received a reply.
I have contacted Equifax several times in order to resolve an issue I had regarding identity theft. I was notified that I was a victim of identity theft and was provided a free credit monitoring service. Upon reviewing my credit report, starting with inquires, I noticed there were a lot of unauthorized inquiries on my credit report. I contacted Equifax and was told I did not have the right to dispute my inquires and that I needed to contact the creditors directly. As a victim of identity, I am not aware of half of these companies and did not have any contact information. I advised Equifax that per the FCRA i have a right to dispute inaccurate information. I was then told by the supervisor Friday that I do not have the right to dispute inquires and Equifax will not allow me to. I have a fraud alert placed on my credit file but I am denied the right to dispute inaccurate information on my file. I have attached a list of inquires not authorized. Please review all inquires with * and provide me with valid proof that I, XXXX authorized the inquiry. If you are not able to provide proof, please remove them immediately. At this current time Equifax has violated my right as consumer to dispute any information on my credit report that is not valid. Failure to comply with FCRA will result in no other choice but a potential law suit against Equifax. Please review my file in accordance to the FCRA. 

Thank you and i look forward to a resolution immediately
XX/XX/XXXX: A letter/dispute was sent to all 3 credit bureaus requesting removal of discharged bankruptcy for failure to validate and provide proof of individuals where information was given from because US Bankruptcy Courts advised in writing that they do not provide information to Credit Reporting Agencies.

XX/XX/XXXX A letter in writing was sent requesting deletion/removal of this account, to no avail. I received a follow-up stating verified, no change ; with no validation or verifiable proof.XX/XX/XXXX : A phone call was place by myself, the consumer and I spoke with a CSR and Supervisor, who both advised me that they were not able to remove/delete this negative remark from my credit report because of FCRA states up to 10 year law, but could not provide me with information of how they were able to validate this information as requested in previous mailings. I also explained to them that it was not listed on another one of my credit reports and I could furnish a copy and that meant nothing
I went to get a check loan from Check City/XXXX  on XX/XX/XXXX and was declined through XXXX XXXX and outstanding check loans through other check loans sources but as of XX/XX/XXXX XXXX  sent a credit freeze approval confirmation to me and as of XX/XX/XXXX those old check loans mistakenly done on my part were discharged through my bkXXXX ; that are still reporting to the pulic as of this day although I have requested to not have them reported to all three credit bureaus.
A few months ago, Discover Student Loans required my profile to include my employment information. No other contact information was changed. On XXXX XXXX ,2017, they have now used that information to email my work regarding my loan. Just today XXXX/17 someone tried to call my employer. I believe that they wanted to get my employer info to reach outside of the information they already. I am requesting that Discover Student Loans be fined both both inappropriate contacts on the dates provided. Thank you.
Over the past year and a half, I have been subjected to a barrage of harassing phone calls, letters and other predatory loan servicing tactics by Ocwen Loan Servicing , LLC . First, Ocwen has repeatedly charged me for lender placed insurance ( using what is likely a sister insurance company of Ocwen called XXXX XXXX XXXX XXXX XXXX ), despite me consistently showing that I have an insurance policy in place for the property. Every time they have placed it on my account, I have shown them that I do indeed have property insurance and requested them to cancel their lender placed insurance policy. Often Ocwen would say that they could only accept proof of insurance via fax, which I would comply with, only to be told they did n't receive the fax. When Ocwen would cancel their lender placed insurance policy, they would shortly thereafter ( if not immediately thereafter ) send me new notices demanding proof of property insurance. In fact, one time they sent a confirmation of cancellation of lender placed insurance along with a new notice of intent to purchase lender placed insurance on the same day! Second, Ocwen 's agents would call me virtually every day or other day at odd hours, threatening me with all sorts of penalties, charges and trashing my credit if I did n't provide them with what they were demanding. Recently they have demanded that I provide proof of insurance for personal items in the property. This is utterly ridiculous and absurd! The personal items in the property are not collateral for the mortgage that Ocwen is servicing. Nothing in the mortgage agreement requires insurance for personal items in the property and the insurance policy that I have in place for this property satisfies the insurance requirements under the mortgage agreement. I am tired of dealing with their dishonest, fraudulent and abusive tactics, and frankly I just do n't have the time anymore. I am lucky in that I work in real estate and at least have an idea of what 's going on here. What worries me is that if this has been happening to me, I can only imagine how much Ocwen is taking advantage of people who are not so able to defend themselves. I have read about Ocwen being regulated by both federal and state governments for their criminal behavior, and yet they are still allowed to continue operating. Ocwen needs to be shut down permanently.
I have just discovered that without my knowledge or consent Wells Fargo extended a mortgage that I am on an additional 14 years. How can it be legal for them to burden me with 14 additional years of indebtedness? I do not want an extended loan. I want the original terms. Can terms be changed without my knowledge and consent and then still hold me liable?
I calledKIA motors finance on XXXX XXXXor a payoff amount on my XXXX KIA. I was given an amount that would have had me paying over {$400.00} more then originally owed. When I asked to have it explained to me all they would say is I had to pay the payoff amount they showed and I would get a refund after overpaying. Loan details were for 36 months at {$330.00} per month for a total payment of {$12000.00}. Which the representative acknowledged would have the total loan repaid. However, after I made 34 on time payments of {$350.00} each thinking I would cut approximately one payment at the end. I overpaid {$400.00} in total which I come to find out they do n't take that amount from the principal but for some reason a portion is applied to some form of unearned interest. I 'm unable to get my brain around this as the representative along with her supervisor XXXX, which I requested, he also would only say I had to overpay and trust them to return any excess. This defies logic, why would I pay more then owed. Is this legal? I have no idea if I have any recourse but to do as they say and overpay and just trust them? Who writes the laws that allow a company to do this type of accounting?
In 2006 my XXXX daughter took out student loans and put me in as a consigner without my KNOWLEDGE, AUTHORIZATION or SIGNATURE. She LEFT home since she was XXXX years old and lived with a family member in a different state at that time. I have since asked for proof of my acknowledgedment of cosigning. Such as an email, phone call or a letter asking for my approval. I was told they used electronic signature and they do n't need my authorization. How can they do this? Now they want payment from me. This girl is a professional and has a job, why are they after me?
I disputed 2 collection accounts with XXXX XXXX XXXX. I tried in XX/XX/2018 and XXXX XXXX XXXX tried in XX/XX/2018. After notifying them to let them know that I need validation, when I disputed I was told that they don't validate the information they verify address, name, social security no, and ask the creditor if it's accurate. To my surprise, asking the creditor or debt collection is it accurate and they placed it on there is eliminating my right as a consumer to have an investigation done that seeks validity of the debt per Fair Credit Reporting Act. 

The account is NOW stating that it's open, and per a previous report it was showing as closed. No address is given for XXXX XXXX XXXX and no phone number is given on the report to address the validation with this collection agency. I asked Equifax around XX/XX/2018 to do a full investigation of the account and I have disputed it again with them today.
XXXX XXXX, 2016 To whom it may Concern : I, am stating I sent Ocwen Loan Servicing , LLC a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and Ocwen responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. 


Thank you,
Equifax , Inc. was victim to a wide scale cyber attack that lasted fromXX/XX/XXXX where intruders gained access to information about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers as well as credit card numbers for about 209,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that I used to determine that my information was indeed compromised.
I have repeatedly requested that Midland Funding , LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
I called Citibank and inquired why I had n't received my new credit card and was told that I had an outstanding balance over 90 days old and that I could not receive my card until I paid my bill of {$4100.00} for charges occurring between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I asked why I had n't been notified and was told they sent me the bills and notices in the mail and I never responded. I then discovered they had the wrong address and telephone number in their system. See attached letter for details.
I am about to retire. I went in to my credit report to make sure everything was OK. I found an item for a company credit card from years ago. Over the years I had paid much more on interest than I originally used on the card. The amount on the credit card was for {$20000.00}. I called the company on the credit report, ( JH Portfolio Debt ) which is a collection company. We discussed the matter over the phone and came to an agreement to satisfy this matter for the price of {$5000.00}. Check # XXXX from XXXX, XXXX, MA I sent them the money via a check over the Internet. They in turn were supposed to send me an email confirming this arrangement and that this amount was to satisfy the matter completely. This was two days ago and I have yet to receive a message confirming this arrangement. At this point I am leery that the company has simply cashed my check and taken no further action to resolve this issue on my credit report.
I am extremely tired of XXXX 's games. I have been disputing for a couple of months now with them and the other major bureaus, making sure that all reporting accounts have been properly verified & validated. Every single one of the disputed accounts were deleted from my XXXX  because they could not be verified or validated. Now, please tell me how in the world these SAME ACCOUNTS are found to be " verified '', " valid '', and " accurate '' with XXXX! Furthermore, I actually gave them PROOF of their deletions due to not being able to be verified/validated. I have attached my letter to XXXX and the enclosure. An account is deleted when there is no original documentation ( bearing my signature ) that makes me responsible for a debt ; so, again, how is an account verified and unverified at the same time?? XXXX is complicit in allowing these companies to violate the law and using illegal business practices. I know from previous experience that XXXX  loves demanding proof of the consumer ; I gave it to them, and they're STILL being XXXX. To top things off, they did not give me the full 30-day investigation. They " investigated '' in a matter of a few days claiming these unverified accounts are verified. Seriously?? I demand that XXXX  delete the disputed accounts. It makes absolutely no sense for accounts to have been proven & reported 'deleted ' and 'unverified ', yet claim the opposite and try to remain elsewhere.
Unknown withdrawal from my account for {$220.00} send through XXXX. What do I do? I believe someone has access to my account. Will I be able to review a refund?
After filing for a Chapter XXXX bankruptcy pro se on XX/XX/XXXX, I consulted with a bankruptcy attorney, XXXX XXXX of XXXX, NH, to help me. I was advised it would not be in my best interest to proceed with the bankruptcy, and I should immediately file a motion to dismiss the petition. On XX/XX/XXXX, Attorney XXXX filed a Motion to Dismiss, and Chief Bankruptcy Judge XXXX XXXX XXXX granted the Motion on the same day. During this time, I continued to pay my monthly bill to Synchrony Bank/XXXX 's from my own personal checking account. Needless to say, the various credit bureaus began reporting the bankruptcy petition and I soon noticed the information being posted from Synchrony Bank/XXXX 's was incorrect. After repeated attempts to show I am not in bankruptcy and that all scheduled monthly payments to them were being made, Synchrony Bank has made little or no effort to send the correct information to the credit bureaus. Now it appears my account may have been sent to collection.
A debt collection company which appears to be located in XXXX, ND has been calling my residence several times over the last 6 months looking for a party who has n't lived here in 10 years. I 've advised them as such and they allege they 'll put me on the no-call, bad-number list, but they continue to call in spite of their hollow promises. Their number is XXXX.
Equifax dropped my credit score XXXX points for XXXX inquiry from credit plus for a mortgage inquiry. The credit score went from XXXX to XXXX WHY DID MY SCORE DROP XXXX PIONTS FOR XXXX INQUIRY??????? 
I am closing on a home and this has killed my credit!!!!!! 

RESTORE MY GOOD CREDIT!!!!!!! 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX dob XXXX/XXXX/68
XXXXXXXX XXXX XXXX placed a item on my credit report with a balance of XXXX this account was incorrectly reported. The account has been paid .And has a XXXX balance but it should have been placed on my daughter 's credit report not mine. I never used XXXX XXXX XXXX XXXXXXXX this account was opened in Alabama. My daughter apparently put me on her account if I need towing service. But this account was not opened in my name. My daughter advised me she paid it. But the company placed on my credit file instead of my daughter. I have resided in Nevada since 2012 see attached.
On XX/XX/2017, I was contacted by Navient, and I wrote them a letter stating I needed a deferral due to a problem trying to resolve this and other debt. 
I also included in this letter that per the FDCPA that the phone number they were calling is a DO NOT CALL NUMBER. However, I have been getting phone calls at least twice a day. 


I want the calls to stop. I will communicate with them in writing.
hello, i know that there has been a misunderstanding, about my money.at first I did n't think this would happen to me -- and I have become a victim until this very day.i have not received anything back and the proposal that was made too me to get wire transfers-delivered ; is all a hoax.not a matter of business.i have put in a complaint before, but nothing was done or said about it.the company or party grant solutions, took money from me and never followed through with reimbursing me any payment's.the amount is very plain too see that somrthing is wrong with them. ( XXXX ). 
''
Discover canceled my card for inactivity and they did so with a complete lack of adequate warning. Since I am a XXXX, I know that this will impact my credit score as this was my oldest open credit card and it will reduce the total credit availability to me so my utilization rate will now increase. I received an email on the day they closed my account ( XXXX/XXXX/15 ) saying that my account had been closed for inactivity. When I called customer service, they said the account had already been closed and could not be reopened without new application, which defeats the point. 

When I expressed my dismay that they did not provide any notice, they said two things that I can not accept : 1 ) " Well, we sent you a letter on XXXX/XXXX/15, '' XXXX it may have been XXXX ), and 2 ) " We are not required to provide any notice. '' First of all, sending me a letter 2 days before you take action is not " notice. '' I actually still have n't received this supposed letter, but even if it had the correct address or they really mailed it, I still would not have received it in time to use the card and prevent the closure. Second, the fact that they said they are not required to provide notice really irritated me. I have been a customer of theirs for 19 years and have almost an XXXX credit score. Just because they do n't HAVE to does n't mean it is n't good business to do it. So, I told them I 'd be complaining to the CFPB because maybe they SHOULD " have to '' as it negatively impacts people 's credit score when it happens. 

I think you should make a rule that they have to provide 30 days notice before closing a card for inactivity. It also sounded like they can define the length of inactivity that warrants closure as they see fit, so I think another component of the rule should be an industry standard for what length of inactivity has to be met before closure can happen. 

Because I work in financial empowerment, I know this probably happens to a lot of people who do n't understand how it will impact them. For example, I am JUST about to apply for a HELOC and this could impact my interest rate or even my ability to get approved. Could you imagine if I were in the process of buying a home and my lender had given the typical " do n't change anything with your credit '' instructions and then this happened before closing?! It could tank the whole deal for someone. I 'm making sure that someone who can do something about it hears about it. I hope you 'll make a rule so other consumers can avoid this.
I bought my house in 2006 and put 25 % down. Ocwen manages the loan, andI have been in foreclosure several times. They say I can not have loss mitigation. 
The loan is now for forty years with a balloon payment. The note is worth about XXXX, the house is worth less than XXXX. They have charged so many fees. 
The first year alone I paid {$29000.00} to the company, yet I own more now. I was diagnosed and treated for XXXX, and I feel I ca n't go on like this. 
I am very scared. I have no family really, I have a great son, and my husband is mad all the time. I had a lot of friends where I used to live, I do n't know anyone here. I can not sleep or eat, and am still sick from the XXXX XXXX. I have no consumer debt. I know we all have to make our own way. My father was in the XXXX XXXX, we were stationed in XXXX and XXXX. He left me something when he passed at age XXXX when I was XXXX. He was a great father. My uncle, a XXXX, took that from me. A district judge signed off on a settlement agreement where my uncle said he would give it back, but he has n't. I want to leave something to my son, he is a good boy. I am very lonely, and would like to work more. I have never taken disability or anything, but I really really need some help. Thank you in advance for reading my words and thinking about my family. 
Take care now, XXXX
XXXX XXXX/2019 : Company = XXXX XXXX XXXX Company : Left a voicemail Me : Checked online account, noticed late payment. Late payment due to returned check. 
Note : Spoke to XXXX from XXXX. I recorded our conversation. I have payment confirmation emails referred to below and a screenshot of the payment screen. 

Complaint : The website, on the payment screen, says that the payment will be posted the day the payment is submitted and the transfer of funds will be completed within 2 business days. This is also said in the payment confirmation email. I planned accordingly and closed my checking account on the 3rd day. Since the payment was processed post-closing, a return check was resulted. If the bank was able to, at the least, post the payment to my bank account then it would have been fine, because all posted/pending payments were funded when I closed the checking account.
Bad customer service due to closing my discover card account for no wrong doing of any kind A credit check was ran after having this account with discover for over a year Two to three credit line increases, with an excellent payment history XXXX balance at the time discover closed my account A credit limit of {$5900.00} Discover states negative items appeared of credit file and without calling me they closed my account They never verified if negative info was true Or if my identity had been stolen Or if someone else credit file merged with mine
Person called to tell me I owed XXXX for an account they would not provide the account number for. Person threatened my credit and made up false explanation for why a false debt was just now being collected on after 6 years. I called former bank of which the debt originated and they verified this was false. Person was named XXXX XXXX and claimed they had done a federal background search to find me. The number I was called from was XXXX.