WillisBack/dataset-financial-user-claim huggingface dataset:
PREVIOUS COMPLAINT NUMBER -XXXX On XX/XX/XXXX I notified XXXX , XXXX  , and Experian via Affidavit that multiple accounts on my report are fraudulent. I then contacted each reporting agency via phone on XX/XX/XXXX to follow up on the status of the investigation. XXXX nor XXXX provide me any verification of the investigation that was conducted. But all accounts still remain on the report. I placed a call on XX/XX/XXXX to XXXX  in which I recorded a new dispute in which no validation or verification was provided for. I allowed them thirty days to respond with that validation as well as to the alleged creditors. On XX/XX/XXXX I filed a UCC -11 debtor form in the State of Illinois in which it reflected that no claims/liens filed on my name in which those alleged account were in reference to. On XX/XX/XXXX All Credit Reporting Agencies were notified via Affidavit and Ucc11 certified debtors search to reflect the exact information being displayed from the certified search which is NOTHING ON FILE. I HAVE ALLOWED OVER 90 DAYS FOR THIS MATTER TO BE RESOLVES AND ITEMS TO BE REMOVED FROM THE REPORT. AS OF XX/XX/XXXX THOSE ITEMS ARE STILL LISTED ON THE REPORT, DAMAGING MY ABILITY TO OBTAIN CREDIT.
On XXXX XXXX, XXXX my daughter got married and she contracted with a XXXX company to transport the wedding party to the church and back besides a party bus to transport the guest. The day of the wedding I took upon myself to hand a credit card to the XXXX driver which also demanded that I sign a contract without reading it. I refused but did unfortunately I did sign a blank credit card slip. Not only did the XXXX company get us into an automobile accident on the way to the church but they only provide partial services as to what they were suppose to do. I notified Citi Card the same day and again on XXXX XXXX. I submitted a detail information as to what happened and they did nothing to protect me being an excellent client since XXXX. The XXXX company also forged my signature on the contracts that I refused to sign. I am paying the amount in the dispute to protect my credit but will pursue this matter to every extent of the law. Your investigation into this matter would be greatly appreciated.
Collection Agency of Credit Bureau of Lancaster : I Had a dispute with insurance coverage between an in network and out of network issue that delayed my payment and caused it to be reported to the Credit Bureau of Lancaster. After the insurance issue was settled, I logged onto the credit bureaus web site to make payment, however, I did not have an account number since I was never mailed anything. I called the credit bureau to obtain this account number. I advised them that I needed the account number to make payment. I was advised that the call was being recorded. I informed them that I did not want to the call recorded and that I just wanted to have my account number. The call was already being recorded without my permission. I advised them I did not want it recorded and they advised me that they refuse to speak to me and provide me with my account number to settle my debt without the call being recorded. I am a recently retired XXXX who is well versed in the Pennsylvania Wiretap Act. I proceeded to advise them that this was unlawful under that act and was a felony to record my voice without consent. I am wanting to pay this medical debt that should have never been sent to collection in the first place pending resolution with the insurance company, however, because I did not want my conversation recorded, I have been refused the info I need to settle this debt. This illegal conduct needs to be addressed and criminally investigated.
I sent Wells Fargo several Qualified Written Request ( QWR ) through CFPB, XXXX XXXX and HUD to find out how much was owed on the account XX/XX/2016. Wells Fargo has sent me documentation through the CFPB portal that the balance on the account was {$8100.00} On XX/XX/XXXX I received a letter that they there was going to be a HUD Pending Acquisition of the property. I responded to the letter on XX/XX/XXXX by certified mail notifying all parties of the error on the account Wells Fargo made and requesting that balance can be spread out in monthly payments and the account need to be updated to reflect the amount owed. 
I received a letter from Wells Fargo dated XX/XX/2016 stating that the account was updated. 
Then on XX/XX/2016 my account has placed in active foreclosure.
Taking into consideration the information that on my credit file from these particular ( 3 ) consumer reporting agencies known as XXXX, Equifax, and XXXX   at this time is inaccurate, incorrect, an untrue credit card data. This inaccurate information has affected and impaired my financial health with the " Fico Score system. '' As of this date XX/XX/2015, my Fico score has been impaired and not populate accurately because the ( 3 ) bureau 's has used an inaccurate card known as the " XXXX XXXX '' credit card to populate my Fico Score. This release of inaccurate and faulty information known as the XXXX XXXX card has weakened and damaged my credit health since XX/XX/2015. 
Therefore I seek to have the ( 3 ) bureaus correct this handicapped information that was used an provided to anyone inquiring about my credit health since XX/XX/2015. 
The correct plan for implementation and execution should have been used by the ( 3 ) credit bureau was the " XXXX XXXX XXXX '' credit card but was not used by the bureau's..
My current mortgage company ( Dovenmuehle Mortgage ) is holding way too much money in my escrow account and is giving me the run around on running an analysis and refunding the overage. Our current escrow balance is over {$8500.00} and they 're continuing to take out {$610.00} per month towards our escrow account. Our taxes and insurance are n't due until XXXX 2017 and total {$6700.00} for taxes and {$600.00} for insurance. They 're collecting enough each month to pay for both by XXXX, yet wo n't refund us the huge overage. We 've called and faxed and written them several times over the past two months and still nothing. Can you help?
On or around XX/XX/XXXX my state was hit by Hurricane Irma Around the XXXX I called my mortgage servicer and informed them I would need a forbearance. Currently the forbearance is being offered to anyone in Florida. 
My home is in a mandatory evac. zone and has incurred approximately 100,000.00 of damage. Around XX/XX/XXXX I checked my account and saw my servicer had drafted my payment. At that point I called and never received a follow up. Ive sent 5 emails and two registered letters ( attached ). 
Around XX/XX/XXXX I called " XXXX ''. 
They finally made contact and pushed the servicer to agree to the forbearance verbally for XXXX, XXXX XXXX. 
Today I became aware that they are labeling my acct as past due. 
I 've made several attempts to no avail. 
I need help on this situation.
I have had the unfortunate experience of having an account that was previously deleted from my credit file re-inserted in direct violation of the Fair Credit Reporting Act.  611 ( a ) ( 5 ) ( b ) ( i ) ( A ) " the information may no t be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate ''. The account was originally deleted with SYNDICATED OFFICE SYSTEMS, it was reinserted to my credit file without " certifying that the information is complete and accurate. I request the account be immediately and permanently deleted from my credit file as these violations of the FCRA are negatively affecting my ability to purchase a home. These are clear violations of the FCRA, I ask that my request for deletion be expedited. Thank you for your consideration.
I ATTEMPTED TO PAYOFF ACCOUNT. SEARS GAVE WRONG PAYOFF AMOUNT. I TIMELY PAID THE INCORRECTAMOUNT GIVEN MAKING THE ACCOUNT {$6.00} OVERDUE. IT WAS SEAR 'S FAULT NOT MINE.
I get emails from " Consumer Refunds and Pmts XXXX '' telling me I opted in for online statements. I am unable to login to the website because I no longer have any of these cards, and there seem to be no other options for me to find out if I actually have a card or to shut down the email messages. It is very frustrating.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( Original Creditor : XXXX ) XXXX
I received medical services in XXXX of XXXX. I gave XXXX my insurance information before seeing the doctor and made my co-pay. I received an annual exam which is covered by insurance. Over a year later, I received a bill in the mail from XXXX and learned that they had failed to timely bill my insurance and were now coming after me personally to pay them. Over the course of that year, my insurance provider ( through my employer ) had changed. I informed them of the error and let them know that they needed to bill my former insurance, or write it off, because it was their billing error and these were covered services. I had no idea that they sent it to collections instead. I never received a notice or option to dispute from " CALIFORNIA BUSINESS BUR '' who now shows on my credit report.
Experian Credit Bureau continues to have fraudulent information/accounts on my credit report. I have disputed these accounts several times and their re-investigation process is against the law. They refuse to re-dispute after an account is verified as accurate and even goes so far as to call the claim frivolous. I have had these accounts verified and removed by XXXX and XXXX   after being deemed fraudulent : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX # XXXX
I have disputed with Equifax since XX/XX/XXXX about an inquiry made on my credit report with out my authorization by the company XXXX for adt services. I filed a total of 2 disputes with Equifax - XX/XX/XXXX and XX/XX/XXXX both of which are still pending and well past the 30 days required for investigation. This company had a representative that used my social security number without my permission to run an inquiry on my Equifax report for which I have filed a police report and complained to the company about numerous times. I have been in communication with XXXX at XXXX who keeps claiming to have sent requests to Equifax to have this inquiry removed from my report. Although I feel like it is quite possible that XXXX is lying to me about this and possibly have n't done anything I have in writing by email where she claims that she has. And yet Equifax still refuses to remove the inquiry from my report from either XXXX at XXXX 's requests or through my own requests via disputes and the 30 day investigation require- ment. I have been in contact with Equifax today and they have again told me that they will not be removing the inquiry unless they receive electronic request from XXXX XXXX, even though the dispute is still in pending status well past the 30 day period. So my complaint is against both companies as they are both giving me the run around and both have dropped the ball.
I called to increase my monthly automatic payment in order to pay less interest and pay off my loans sooner. This went fine for a while, until this month when they bumped my loans back down to the minimum payment, and have scheduled an automatic payment for {$0.00}. I gave no authorization for this, nor did I receive any notification of this. I only checked because it happened to a friend, who posted it to XXXX advising everyone to check. Otherwise I would n't have known until after the fact. This seems like an extremely shady tactic for collecting additional interest and does n't seem to me that it should be legal.
My wife and I file a application for mortgage assistance/modification thru Wells Fargo for we were unable to maintain a {$1600.00} monthly payment which has now been raised to {$1900.00}, for I have retired some two years ago, and now living on a pension and social security and my wife receives XXXX with a net income just over {$70000.00} and we still have XXXX XXXX children living at home attending XXXX XXXX of which XXXX are XXXX getting ready to enter XXXX of which was well defined in my application and my wife 's XXXX was defined and pointed out in the application. The first application was filed on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Wells Fargo Home Mortgage and the sender was XXXX XXXX XXXX Home Preservation Specialist XXXXXXXX XXXX  or faxXXXX, and the letter stated based on the documentation that I had provided that my monthly income before taxes, and other deductions was adequate to make this monthly payment. Upon learning the decision I placed a call to XXXX XXXX and his advise was to file again, and on XX/XX/XXXX I filed another application to the same person only to receive on XX/XX/XXXX the same response that we had adequate monies to make this payment of which had been raised to XXXX monthly of which XXXX never made reference to that figure only the {$1600.00} which led me to believe that he had never read the second application. Our financial monthly income/expenses clearly pointed out that we were not able to continue with this large of a payment when all we need was just to modify the loan of which we have a {$28000.00} balance against a home that appraises just over {$180000.00} per Wells Fargo. I hope you can help with this injustice against XXXX XXXX XXXX of which one is XXXX.
I hope this letter can help not only XXXX and myself, but anyone else that may be receiving the same injustice.
Thanks XXXX XXXX XXXX XX/XX/XXXX
On XXXX/XXXX/2017 I contacted XXXX to dispute multiple inquiries on my credit that I am not familiar with. I spoke with the rep and stated that multiple inquiries can not be verified and I asked for such inquiries to be removed because the creditor does not have written authorization from me to pull my credit. The rep stated that I need to send in a police report which is innacurate when the inquiries have not been validated.
Disputed errors on y credit file and the results came back as verified with Equifax the following address XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX  XXXX XXXX. XXXX, Ga XXXX and the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX
I have been paying on my loan of {$48000.00} since XX/XX/XXXX. its its XX/XX/XXXX and the balance is still {$47000.00}. When I call The company for the total interest I owe on the loan they say they cant give it to me. My interest rate is only 3.375 % the lowest but on some payment my whole payment went to the interest and not the principle. I have paid a total of like {$17000.00} according to my calculations and {$13000.00} in interest alone. 
The company says I have only paid a total of {$15000.00}. I disagree but this is what they say
Due to medical I got a second mortgage on my home in 2006 with XXXX dba as DItech. Because of the low equity, and the amount of time I was in the home I did not qualify for any other loans. Although I did non need XXXX XXXX would only due the loan if I would let them pay off my car loans and all revolving credit balances which was around XXXX. Because it was an 125 % LTV loan I had to pay 12.25 % interest rate. I was assured by the XXXX rep that I would by able to refinance in a couple of years to a traditional loan with a lower rate after my home had built some equity. Over the next few years the housing market went down, our medical issue 's got worse, my wife lost her job and we lost our health insurance. We were unable to get other health insurance to to " pre-existing conditions '' and the cost. During that time XXXX sold our loan to GREEN TREE SERVICING. After the toke over the loan it turned into a nightmare. When I reached out to them numerous times for help. I was told so many different stories and lies by the company I ca n't even come close to remembering them all. I was told there were no government programs for my loan, I was told it was illegal for them to modify the loan, I was told that GTS now owns this loan and not XXXX and they would not modify the loan or even subordinate it so I could get a lower rate on my first mortgage. THey called my multiple times daily, even if I was late or not. Me and my wife both had to have our phones disconnected to stop the harassment. The called my employer, my wife 's employer and my former employer multiple times a day. Day after day. Even when I told them I had taken a second job at night and slept late they would call me at XXXX and XXXX and not ever say anything, just breath or giggle over the phone. To make things worse I received a letter telling me my first loan was going to be " serviced '' by GTS now. I received the same type of treatment after GTS took over my first loan. They tried to change my due date. Charge all kind of service fee 's. To " see if the home was still occupied '' along with quick pay fees for paying my bill. If i set up a online payment through my bank the would not accept an ach payment so my bank would have to cut a actual check that would take 6-8 days to clear. Just last month they tried to force my into buying insurance for my second loan when I know i was n't required to. After running out of options on how to deal with this company I wrote a complaint to the better business bureau the sent me a packet with a contact number and extension for a person that in the letter I could speak to about help. When I called GTS that person did not work for the company and no one had ever heard of them and the extension was dead. I was handed over to " XXXX '' who I was told was my account rep. XXXX told me I would be given a lower rate and they would never ever subordinate this loan and If i had a problem with that just let the house go into foreclosure. He then hung up on me and told me it was in my best interest never to call back.
This process is a result of a Joint Credit Pull for a house and we found out about this ... .On XX/XX/XXXX, I, XXXX ( XXXX ) XXXX , started a validation process with SEARS/CBNA in reference to account # XXXX and sent them a Certified Letter asking for validation of debt within 30 days ( Exhibit A ). I didnt receive a letter from SEARS/CBNA, therefore, on XX/XX/XXXX, I sent a final goodwill letter attempting to clear up the matter ( Exhibit B ). I did received a letter dated XX/XX/XXXX from SEARS/CBNA, also known as Citibank, stating that the debt was sent to an collection agency, XXXX   XXXX ( Exhibit C ). A letter was also sent to XXXX XXXX and their attempt to collect debt stopped. After receiving numerous letters from a new collection agency, XXXX XXXX, a letter was sent to them to validate debt on XX/XX/XXXX ( Exhibit D ). A letter was received from XXXX XXXX stating they were forwarded my letter to Citibank for review and suspending all collection activities ( Exhibit E ).
I have tried a number of times to get my free annual credit report online from Experian, but every time I try I get the following error message : We're sorry. 
A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 
XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX.
I am the primary borrower on an FHA mortgage from Wells Fargo Bank. For my XX/XX/XXXX payment, I accidentally scheduled a payment from an account that had no funds ( because it appears first on the Wells Fargo portal ). 

Wells Fargo 's online system tried to process the payment and ( not surprisingly ) the payment bounced for insufficient funds. Rather than notify me, they proceeded to process the payment 2 more times, resulting in a total of {$96.00} in insufficient funds charges on my originating account. 

My complaint is based on the following : ( a ) If the payment bounced the first time, why would Wells Fargo continue to attempt to process the payment 2 more times without notifying me? 

( b ) Is there anything in Wells Fargo 's documentation that clearly informs the consumer that a submitted payment will be processed multiple times without prior notification to the consumer?
Navient has hidden that the private loan it is trying to collect can be discharged via a private student loan discharge application. Background : Around 2012, the Borrower, ( XXXX XXXX ) was XXXX or XXXX with a XXXX. She wanted to attend a for-profit culinary school. The tuition was so high that her federal loans and grants did not cover it. The school said XXXX XXXX should take out a private loan. But neither she nor her mother had good credit. Subsequently, XXXX XXXX, a friend of the mother of XXXX XXXX, co-signed the private loan. 
Fast forward a few years. XXXX XXXX was unemployed for many months but eventually found employment driving a truck at the airport for which she earns {$11.00} an hour or about $ XXXX a year. XXXX XXXX has been having trouble paying her private student loan. Now that she is employed, she is willing to pay {$100.00} a month towards the loan. That is over 25 % of her discretionary income, as defined by the federal government in its income driven repayment plans. 
Navient is the servicer/collector calling the borrower on the her defaulted private loan ( which now amounts to {$19000.00}. ) Navient will not accept the {$100.00}. This is why. Navient has been calling both XXXX XXXX and the co-signer. But XXXX XXXX has XXXX and gets XXXX by the calls. XXXX XXXX is not in any position to pay the debt of XXXX XXXX as she is XXXX and unemployed. The husband of XXXX XXXX has informed Navient 's caller, a XXXX XXXX, that XXXX XXXX is very ill due to XXXX and that the calls are upsetting her. Rather than advise XXXX XXXX and her husband that the co-signer 's obligation can be forgiven due to her XXXX ( if she applies and qualifies ), the Navient caller has continued calling the co-signer, thereby increasing her distress. In turn, the husband and the Navient caller have been pressuring XXXX XXXX and her mother to make a lump sum payment of {$4000.00} to get XXXX XXXX off the loan. So XXXX are XXXX XXXX and her mother about the predicament and distress the loan has inflicted upon XXXX XXXX that they have asked a family friend to take an early withdrawal from her retirement account ( and incur a stiff penalty for doing so. ) However, the family friend can not do so due to earlier withdrawals already. Navient 's caller has been told this and still is using the distress of the co-signer as leverage to get the {$4000.00} lump sum payment. 
Several months into this ordeal, the borrower and her mother went to an elected official who in turn contacted a free lawyer. With the lawyer 's advice, the husband of XXXX XXXX asked Navient if she could file a XXXX application to get off the loan. The Navient representative, who knew all about the co-signer 's XXXX, said yes. When asked why the Navient representative had not told him earlier, no answer was given.