WillisBack/dataset-financial-user-claim huggingface dataset:
We sold our home ( officially closed ) in XXXX  on XX/XX/XXXX for {$300000.00}. At the time of the sale, our realtor provided the mortgage company with our new address in XXXX to send our escrow refund from the sale of the house. The mortgage company ( RoundPoint Mortgage ) got their check wired to them on the day of closing., When we called the mortgage company about 15 days after closing, they indicated it would take about 30 days to receive our escrow refund, suggesting we would receive the check by XX/XX/XXXX, but we were sure to make sure they had the correct address in XXXX. Nearly one month after closing ( XX/XX/XXXX ), we called the mortgage company again, but this time they indicated they sent the check in the mail to the wrong address ( home we sold in XXXX, not the home we were now living in XXXX ). They apologized and said they would send our escrow refund ( ~ {$3000.00} ) to the correct address within the next 30 days and promised us we would receive our refund by the end of XX/XX/XXXX. The end of XX/XX/XXXX came and we still had not received a check. We called the mortgage company again ( for the third time now ) attempting to track down our escrow refund. This time we were kept on hold for over 30 minutes after we requested a check number since they told us the check was indeed in the mail. However, this time they promised us that we would receive the check by the middle of the next week ( Wednesday, XX/XX/XXXX ). We did not receive any check in the mail and are very frustrated with this process. The mortgage company had no problem doing auto-debit from our checking account to get their money every month, and they got paid the day of closing, yet here we are more than 2.5 months later and still have not received our {$3000.00} escrow refund that we planned on using on our next home to buy. Every time we call the mortgage company we get a rep that indicates no manager is on duty and we do not know who else to contact to get our money that is rightfully ours. Any assistance would be appreciated.
I had a hard inquiry on my XXXX Credit Report which I did not authorize by XXXX ( Comenity XXXX XXXX XXXX ) on XXXX XXXX, XXXX XXXX a little over two years ago ). I disputed it at the time with XXXX letting them know I did not authorize this but they failed to remove it. One week before it was to naturally fall off my credit report at the mandatory two year mark, the same company XXXX XXXX pulled another hard inquiry without my permission on XXXX XXXX, XXXX. I called XXXX to investigate and they told me to write a letter to them and ask for it to be removed because it was not authorized and gave me the address to mail the request to. I wrote a letter to both XXXX Credit and also to XXXX saying this was unauthorized and it could be fraud by someone trying to take out credit in my name and asked for an investigation into the matter and mailed both letters on the same day. A letter came back to me from XXXX Credit on XXXX XXXX, XXXX which said " We are unable to remove this inquiry. If you feel this is a fraudulent inquiry you will need to contact XXXX  and initiate a dispute with them. '' I KNOW it is fraudulent activity because I put in writing that it was n't done by me, I already told them it was fraud. So this is either fraud by XXXX Credit or a scam artist pretending to be me. Since I also asked for an investigation as a dispute with XXXX and yet XXXX put in their letter that they had n't heard from XXXX regarding a dispute, this means XXXX, did not contact XXXX Credit to see if this was a legit inquiry. XXXX ignored my dispute and did not open an investigation into this matter and the unauthorized dispute remains. I Googled this problem tonight ( Unauthorized hard inquiries by XXXX on XXXX  and found countless hundreds of other people who have the very same complaint about an unauthorized hard inquiry on their report. This is obviously something they are doing illegally and it needs to be stopped. I took all of my money out of my XXXX account and will never log into their site again, they ca n't be trusted. I suspect it is them pulling the unauthorized inquiries since it happened two years ago the same way vs it being a scam artist, but with the recent XXXX breach of privacy it is something which is particularly concerning.
Theres alot of unauthorized inquiries on my  XXXX  credit report from companies i dont recognize ...
We have been asking for a statement on this debt for 2 weeks now, original request submitted XXXX XXXX. We were told then we would have it by XXXX the following day. We have received the same response each day since but are now being told that they have 30 days to send verification. We are set to close on a house on XXXX XXXX and the only thing holding the bank up is verification of this debt. I have also given them permission to speak with our lender to verify information when she calls. They have railroaded her each time. My last conversation with them was this morning in which they told me to continue to wait to which I replied they could continue to wait for further payments until we receive a statement. We have been making payments and are more than willing to continue. We would like to pay the debt off in full at this time but are being advised by the lending bank to wait until we receive the requested documentation.
I got a new Consumer Credit Card with Home Depot yesterday afternoon. I had to submit my social security number and my telephone number. An hour later I started getting calls ( I have now gotten 8 calls that I answered, with various different scams. One claimed that I had won a government grant of {$9500.00} for paying my taxes on time. The other claimed it was an agent of the IRS calling. Another was a Medical Claims Payment. All of them were scams asking for some id or financial information from me. I think that one or more of the organizations Home depot sells its information to is using that information to call people with illegal money scams. I called Home depot and had my number put on the do not call list, and I have stopped getting calls.
I received this summons and have not heard from these people before. I can not contact them for information as I do n't have any communication except for this!
The Pentagon Federal Credit Union obtained a copy of my credit repot without my consent. 

When I called PENFED to find out what kind of assistance was being offered for federal employees your employee XXXX at XXXX XXXX told me that you were offering a furlough loan with 0 % APR and no credit check that is why I requested the Furlough Loan on the below email. 

I never authorized PENFED to obtain a copy of my credit. The only reason I requested the loan was based on the information that XXXX provided. Otherwise I would have used XXXX or XXXX XXXX XXXX XXXX XXXX. I told XXXX that my direct deposit was going to XXXX not penfed and she told me that I would need to provide a copy of my XXXX. 

Also XXXX told me that my wife would qualify for the loan even though she was not a member yet. 

My wife submitted an application for membership and opened an account because of this.
CFPB, My name is XXXX XXXX. My problem is : I have sent 2 house payments to my Mortgage Company ( Ocwen Loan Servicing, LLC ) At the time I submitted these 2 payments, I owed 4 total. It took them 2 weeks to send my payment back. I Re-submitted the payment, again. By this time, it took another 2 weeks to be returned, I now owed 4 payments. By NOW, they say I am 7 payments behind and owe ALL 7 payments or face for-closure. The are adding an additional payment that isn't even due until the XXXX of XXXX. I do not believe this is legal. I believe they are purposely lengthening the process by delaying the returned payments, trying to get me drowning in finance and additional charges in an effort to for-close on my house. Thank-you XXXX XXXX
Bank of America added a {$5000.00} charge into mortgage balance. On XXXX XXXX, Bank of America employees came and cut down the hedges in front of my home. I never asked Bank of America to come out and cut my hedges which decrease the value of my home. The employees were supposed to look at my property as it going through a modification to avoid foreclosure. The statement is from Bank of America yet when I call them, they tell me '' We use vendors including XXXX XXXX and XXXX, XXXX '' I called both XXXX XXXX and XXXX XXXX and they told me that Bank of America is responsible for my loan. Please help
There is a company which was able to collect a student loan debt which is over 13 years. They were able to solicit to the Department of Education to take my income tax refund. The debt is too old according to law to collect. It is over 10 years old. The name is Collection Technology at XXXX, CA XXXX. The U.S. Department of Education, The National Student Database and the debt is too old to collect by taking a person 's income tax refund. I contact the Department Education and was inform my refund will not be returned. I no other option than to sue the Department of Education if this matter is not resolved.
I submitted a dispute to EOS CCA also known as Collecto Inc., on X/X/17 regarding an unverified debt not owed. They are claiming account number XXXX for {$190.00} is valid. The debt is invalid and EOS CCA is not licensed or bonded to collect in the State of Wisconsin. I demand that they cease and desist all collection activities for the referenced account.
I had filed a dispute with all XXXX credit bureaus on XXXX/XXXX/2016 on Mohela for incorrectly reporting late payments when my account was in deferment. I discovered on XXXX XXXX the late payments had been removed and investigation had been closed, then on XXXX XXXX my credit report reflected the late payments had been re-inserted into my credit file. Mohela and/or all XXXX credit bureaus have 5 days to notify me of re-inserting a previously deleted item. I did not receive any such notification. Please delete these items immediately.
Navient failed to notify me of my student loans going active when i was between semesters in school. i wrote them a certified letter that they received on XXXX XXXX 2017 and never received a response. i called them on XXXX XXXX 2017 to have the late payments removed due to their failure to respond and they lied to me saying they did and they were not going to change the reporting. after arguing and getting nowhere i hung up. then instantly after hanging up the phone i log on to navient and have a messge dated for XXXX XXXX. with a letter back dated to the XXXX. either way they never did it in the 30 day period they had, continued to live to me, and didnt make the correction.
This reason I am filing this complaint is to request an investigation into Bank of America mortgage company reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage company are reporting the incorrect year of XX/XX/XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency occurred in the month of XX/XX/XXXX. I am requesting that Bank of America correct the fraudulent information being reported to all credit bureaus into my credit file ASAP.
I received a phone call and it said on my phone it was from a chemical company? i answered and they said what is your name. Never identified themselves. I said who is this they said Chase Bank. I said why does it say chemical company? She said what is your date of birth? then ss last XXXX digits. I said you called me? you dont know my name? i said what is this regarding? They said your sobordination. Yes they must be chase then. I said i am telling a chemical company that didnt know my name nothing. I have already filed with you a complaint about this bank. They charged me in the past for a sobordination and dragged feet so long i lost my money i paid for it. interest rates went up so high i cancelled it they owe me that money for this XXXX. I have already filed that complaint. they said they were calling because of that complaint. Should that not be in writing? I am again saying that they are wrong and filing again. no response to my complaint in writing. response on phone from a chemical company? Professional? what are they hiding?
Obviously these people at XXXX XXXX do not recognize the laws and have been very harassing to my wife 's email. I have reported the identity theft to fTC, XXXX XXXX XXXX  and the police department and the said they did an internal investigation. I am a XXXX and a veteran. I have asked them to produce my signature because XXXX sign for everything which they have yet to provide me with. Because of these guys I had to put a fraud alert on my account and have had to close other accounts. My wife is very upset about her business account being used. for these harassing calls. They even called her phone pretending to be IRS. There is another review that a person went through the same thing I am am going through.
In 2012 I received what they call an Installment loan and I lost my job.. I notified them to cease the ACH withdrawal from my bank account.. I recently been getting harassing calls from this company or whom ever does the collection.. They never say, and is a different person threatening that they have papers to serve me I explained that I no longer live in Michigan and they never asked for me to update my address and they continuously harass my parents.
On XXXX and XXXX Hard Inquiries were made to 2 of my credit reports without my authorization or knowledge. I opened a dispute about these inquiries on XXXX, and the dispute was closed with Capital One stating they were " unable to find any inquiries that match the information you provided. '' In the letter I received from Capital One is an address that I've never lived at, or even recognize, so I'm quite sure they have me mixed up with someone with the same name.
Deceitful reps, inaccurate information, jacked up fees and undisclosed rates have significantly increased my loan balance. The availability and transparency of other payment options, military benefits, and other programs designed to help me pay back my loans were not readily available and convoluted and inaccurate when speaking with reps.
I have been participating in the Short Sales Process with Wells Fargo over a year and half. 
I have submitted all paperwork requested by Wells Fargo and have lost multiple buyers due Wells Fargo stalling us and refusing to bargain in go faith. I just been informed by my realtor that they have decided to withdraw my request to sale my home in the Short Sale process and just foreclose on my property. we have sent multiple offers to them and have received nothing but request of more paperwork that was already sent to them.
I called Wells Fargo to exchange my dollars for yuan. When I called the XXXX XXXX  number the phone agent gave me an exchange rate of .XXXX dollars to XXXX yuan. When I went to my local Wells Fargo branch they gave me XXXX dollars to XXXX  yuan. So I received about 8 percent less money than I should have and their records on the transaction show their rate and not the rate I agreed upon over the phone. I need help getting the money I agreed upon or giving the money back at full rate.
BMW Financial Services is still reporting that I an outstanding debt on my consumer credit file. This information is not correct. I would like this account deleted from my credit file.
Manager was told by me that a minor who lived in the complex said " XXXX '', then after manager XXXX told, '' I will give them a warning '', still wrote me up and knew I did n't do it. She gives a tennant wrote up info, goes XXXX and lyes to the sheriff, then she goes in my apartment and tresspasses without consent. We leave because of what she did, disposed all my items without consent, then tracks me down illegally and sends false money amounts to my aunt 's. I did not do what she said.
*EXPEDITE* I have contacted the Ombudsman group numerous times regarding a loan that is listed on FedLoan 's website as having been borrowed and disbursed in 2012. I did not attend college in 2012, I did not apply for FASFA in 2012. There is no possible way that I could have a loan disbursed in 2012. I contacted the CFPB about this before and was refereed to the ombudsman group. FedLoan servicing said that all there info is correct but it is not. The ombudsman group website has been absorbed into the federal aid website and there is no way to check on an ombudsman group complaint now. Basically I 'm waiting to be sued by the federal government at this point so that a judge can help me. FedLoan servicing is literally ruining my life. I ca n't EVER get married or have children at this point unless someone solves this issue. FIX THIS NOW!
Ocwen Loan Servcing is refusing to pay for my insured 's hazard insurance from their escrow. This happens every year. To every client that we have that escrows through Ocwen. They refuse to pay until the policy actually cancels. At this time of year in Texas, this practice can be dangerous for our insured 's, ourselves, as well as the mortgage company. I have begun documenting every persons name, time of call, length of call, what was said and am now recording every single call to Ocwen. In XX/XX/XXXX, I filed a complaint against Ocwen and was sent an excuse letter from them. The letter stated that the first time I called on a bill that was due by XXXX/XXXX/XXXX was XXXX/XXXX/XXXX. They were billed on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke to " XXXX '' who told me that our agency did not have a payee code. On XXXX/XXXX/XXXX, I spoke to XXXX who said they had no record of our billing nor proof of insurance. This account took 6 more phone calls to collect. On XXXX XXXX, XXXX, we finally received payment. Our boss paid the reinstatement fees out of his own pocket as Ocwen refused to pay any more than what was originally billed to them on XXXX/XXXX/XXXX. At the very least, these are reprehensible business practices. I never heard from anyone else regarding my complaint other than the " Ocwen Ombudsman '' who only gave excuses as to why this happened. At that time, they stated that we had been set up as a payee and our payment would be forthcoming. If we were set up as a payee in XX/XX/XXXX, why can they not pay the escrow in XX/XX/XXXX? PLEASE HELP ME AND OUR CLIENTS. This is getting very scary for all concerned with the exception of Ocwen.
Someone has applied for credit many times through multiple creditors causing the amount of inquiries to decrease my credit score. The only credit I have applied for was a XXXX XXXX Credit card and a mortgage through XXXX XXXX. The amount of inquiries has damaged my score so much It is making it difficult for me to finance my home.
In all the attention given to Pay Day lending as a predatory industry that exploits the poor, the CFPB and media have ignored a common " lending '' practice with major banks. 

While Frank-Dodd limited overdraft fees on debit card purchases, banks often still allow customers to overdraw their accounts intentionally at the ATM. This is often for a very short term, and when the fees are translated into an effective APR, the rate is astronomical. For example, an retired person who receives Social Security as their sole source of income is expecting their direct deposit in one week. They have {$10.00} in their account, but they need to buy groceries or medication. They decide to take {$80.00} from the ATM, which immediately triggers a {$35.00} fee. Their account stands at - {$100.00} after the overdraft and fee. Then ( for example, at Bank of America ) they incur an " extended overdraft '' fee of {$35.00} for not making their account positive after four business days, bringing their balance to - {$140.00}. This being deducted from a fixed direct deposit makes a repeat of a similar overdraft the next month all the more likely. 

The customer has in effect borrowed {$70.00} from the bank for one week at the cost of an additional {$70.00}. This is 100 % interest over one week or the annual equivalent of 5200 %. This is plainly usurious and should be illegal. Banks are still collecting XXXX in overdraft fees from those who are most vulnerable and least able to afford them.
Case # XXXX For XXXX XXXX status shows the account was closed, reported lodt or stolen, and never got re issued or assigned new account instructions for the acct to be re opened for by the bank, on both accounts in which now are closed or in active, unable to access online banking as well, the original opening date of the first acct is platinium relations, in XX/XX/XXXXby me online and by some unauthorized person who received my status and did not maintain the account, then in XX/XX/XXXX I was issued a reg. XXXX debit card, that was stolen no sooner than I got it, this was reported as well never received by me, as it says now on file the account had multiple cards, and they are all now closed ..
I am clearly a victim of retaliation except my credit report is taking the hit. I made a flow up report to XXXX XXXX about the XXXX dealer that sold me a car XX/XX/2012. The bankruptcy court and attorney advised I had to return the car because the court did not approve. The dealership lied. The car was returned a few months later in XX/XX/2012. After filing a complaint on XXXX and XXXX and XXXX. XXXX allowed a company called Second Round in XXXX Texas to list this as a new collection item which drop my score 71 points. At what point to I have a regulatory advocate that stands up for my rights. I am victmiized over and over. I can only think it is all tied to my complaints on the ther major companies.
I applied for loss mitigation on or around XX/XX/2018. I had to have XXXX XXXX in XX/XX/2018. Loancare continued to tell me I had missing loss mitigation documents which wasn't true. I sent in via email the documents over and over again. Finally at the end of XXXX i received a payment plan to pay off past due and current. I contacted Loancare via phone and email numerous times to explain that my doctor wanted my XXXX to extend to XX/XX/2018 and if my payment could be modified. I never received a call back nor did I receive an email. Comes XXXX finally someone at loancare via phone says they would send me a request for an extension form. Still nothing! On XX/XX/2018 I receive a letter via mail stating my home is in pre foreclosure. Today XX/XX/2018 I sent in another loss mitigation this time along with a letter explaining all the above. I sent a certified letter as I was advised to do by a lawyer. The main thing is ... The lack of communication with customer service not responding correctly can now cost me to loose my house? So not fair!