WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a new construction home and financed through Quicken Loans. The loan closed on XXXX XXXX XXXX and my mortgage payment was {$1300.00}. Quicken ran all the information for property taxes, state taxes, local taxes and did an appraisal on my home. XX/XX/XXXX, I started receiving letters from Quicken that my escrow was behind and my new mortgage payment would be around {$2200.00}. I was told by an employee at Quicken ( all calls are recorded ) that this new payment ( {$2200.00} ) would be for the next 30 years. I was later told by another employee it would just be until the escrow shortage was caught up ( roughly {$3000.00} ). Then I came to find out that the original mortgage was based off of the land value only and not the home and property taxes. I was told by an employee that they knew at the time of closing that my mortgage payment would increase dramatically in XX/XX/XXXX but no one told me. I NEVER would have bought the house under these conditions. In order to work with Quicken, I applied for a refinance at a lower rate to offset the additional costs and was declined. This was within 6 months of them approving me for a loan in the first place. Then Quicken Loans said I should apply for a loan modification/hardship. After jumping through hoops to supply them with additional information for the modification, I was declined because I have not lived in the home for 12 months yet ( a requirement they neglected to tell me ). Why have me go through all the suffering, worry, and extra work when they knew the loan modification was going to be declined on their end from the start? Then, they decided to try the refinance again. I was told rates were even lower because of the XXXX and the wasted time would benefit my interest rate. They wanted to run my credit again. They have ran my credit 3 or 4 times in the past 10 months which I understand negatively impacts my credit score. The original rate they quoted me never went down, even though they said it would. Due to all of these options we were trying to work out, I was told as long as I made my payment within the 30 day grace period my credit would not suffer. From the conception of this loan, I made all of my payments on time ( except the last couple of payments were made in the 30 grace period, as instructed by Quicken : we were waiting on the results of the loan modification as well as waiting on the refinance ( which was supposed to happen XXXX XXXX ). As a result of making a couple of payments within the grace period, I have received late payment charges applied to my account, late payment notices via mail, as well as harassing phone calls from Quicken. The refinance was n't ready for XX/XX/XXXX because they wanted to run my credit report again and I said No. Call it bait and switch, misleading, or shady all I know now I am in a position where I need help to resolve this nightmare. I have gone through enough suffering, worry, and wasted time and need help to come up with a workable resolution.
My Son was taken by an XXXX and the company used his insurance and is trying to collect the deductible from me. I am not responsible for this debit becaus my son is not a minor. I have disputed this debit.
I check my credit on a daily basis due to possibly identity fraud. I viewed my credit today and on it appeared a account from a collection agency that has never made contact with me or sent a written validation notice as required by the FDCPA. I was not given the option to dispute this debt as required by law I have 30 days. Instead it was immediately placed on my credit file with  XXXX  and  XXXX  causing the denial of shelter for me and my family. My rights have been violated under the  FDPCA and I will be contacting the Attorney Generals  office in reference to this.
I have a checking account and a loan ( previously a Home Equity Loan ; now terming out ). The original terms for the line of credit were based on interest only during the revolving period ( XXXX ) followed by a 10 year straight amortization. Terms also included that a XXXX account was to be opened and the payments to be on auto debit. Also, a {$50.00} annual fee was to be paid for the line of credit. 

During the recession they froze the line of credit to new draws ( so essentially I no longer had a line of credit ) and continued to charge the {$50.00} annual fee which does not seem fair. I have continued all along to make my payments unlike most who were " upside-down '' and simply stopped paying. 

I was rewarded for my good payment history this month be an outrageous {$36.00} " return-item '' fee by BBT. This was the result of me making my XXXX XXXX payment on XXXX XXXX. Apparently, I paid " too early '' because unbeknownst to me my new billing had not dropped and BBT applied the payment all to principal and did not update my next due date. So on XXXX XXXX the " auto-debit '' kicked in and overdrew my account. I had " opted-out '' so the check was returned with no NSF, but I was an assessed a {$36.00} " return Item '' fee. I think the was a {$6.00} fee back before consumer protection legislation allowed for " opt-out ''. It seems this increase is the big bank way around the law. 

I contacted BBT to ask them to research my impeccable repayment history ( always early or on-time ) and confirm where I made XXXX payments in XXXX and that XXXX was intended to be XXXX and misapplied. I would have had money in the account if I realized that they did n't update my payment date. The responded that they did nothing wrong and it is their policy to apply any payments made before the new statement drops on the XXXX of the month to principal. My subsequent response was while it may have been in the fine print I did n't think it was fair, I have acted in good faith for over 10 years paying perfectly even when I owed at least {$60000.00} more than my house was worth and this is how I get treated. This was never responded to I am contacting you. 

My complaint is 3 fold ; 1 ) {$36.00} is excessive for a return item and especially since it was ACH auto-debt from BBT to BBT ( they had absolutely no risk or cost at stake ) 2 ) it should never been charged because if my XXXX payment was applied to the XXXX due date as I intended the auto debit would not have triggered on XXXX and 3 ) how is it fair that they can continue to charge the {$50.00} annual fee that I agreed to pay for a " line of credit '' every year but the froze the line to new advances so I no longer had a line of credit. 


After approximately 5 years into the loan ( before the revolving 7 year RLOC period ended ) BBT Froze my RLOC to new advances ( not because of any default of me, but because market value declines and they correctly assessed that the liens exceeded the home value ). It was true and I am not upse, however they continued to charge my {$50.00} annual fee
My wife & I are getting ready to apply for a home loan. 
Our lender told me that her reporting bureau CREDCO is showing a {$570.00} outstanding debt collection on my information & social security number from XXXX XXXX. 
We are current XXXX customers have been since the XXXX bill is current as usual.
Talked to Bank of America representatives on XX/XX/2016 about refund of bank withdrawal on XX/XX/2016. It is XX/XX/XXXX, more than forty days have passed, they have not returned the XXXX $ back to my account.
I have VA XXXX direct deposited at my chase account. These derelicts in their levy dept. are NOT competent lawyers incompetent with all state and federal laws involved. These derelicts are required to protect my federal benefits from harassment, malice intent, any ambiguity abuse or riddles are inconsistent with federal laws and treasury dept. regulations. XX/XX/XXXX federal XXXX veterans act. XXXX no county welfare XXXX can preempt federal laws to ambiguous minnesota state laws. Prime example, minnesota law on garnishments exempts veterans benefits. IMAGINE THAT?! # These derelict idiotic desk clerks paid to lie cheat, manipulate minnesota law at any cost to collect phony is irrefutable!!!!! I have been dealing with these XXXX since XX/XX/XXXX, Their clumsy abuse and deceit was thrown out by THE Minnesota state court of appeals XX/XX/XXXX MY APPEAL!!!!!!! I NEVER OWED ANY PHONY {$8000.00} IN ARREARAGES FOR ANY CHILD SUPPORT. DOES N'T EXIST, MY KIDS ARE GROWN, ALL CHILD SUPPORT PAYMENTS ARE [ PAID-OFF ]. This court ordered agreement I am in now is to pay back my ex-wifes welfare which is a SPECIOUS JUDGEMENT PROCURED BY FRAUD, RECKLESS ABUSE OF AUTHORITY BY A CONTRACTED WELFARE JUDGE XX/XX/XXXX. Rule 54 mn civil procedure violated blundered with obscurity, vague and unconstitutional. Regardless my poverty VA compensation at {$910.00} barely survivable, barely pay my rent of {$700.00} plus gas and electric. Chase is mandated to protect this NOT get stupid make excuses. NOBODY competent handling this!!!!!! OBVIOUSLY protected benefits, NOT open for incompetent interpretations AMBIGUITY RIDDLES!!!!!!!!!!!!!!!!!!!!!
1. As of this date ( XX/XX/XXXX) I have not received responses to letters sent to XXXX XXXX XXXX XXXX ( UAS ) ( 1 ) Letter addressed and mailed to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WI dated XX/XX/XXXX ; and ( 2 ) Letter addressed and mailed to XXXX XXXX XXXX XXXX XXXX, IL dated XX/XX/XXXX 2. The lender XXXX XXXX XXXX XXXX XXXXs ( XXXX ) states it is the responsibility of the borrower to confirm enrollment status directly to XXXX  at least once a year and the repayment policy is a three-month grace period after graduation and/or ending attendance in school. XXXX   appears to apply the end of grace period each XXXXXXXX   semester which is inconsistent with the provisions of the loan.

3. Communication notices from XXXX  do not provide dates when the document is sent and some notices are received around the same time which does not allow for timely response.

4. XXXX erroneously reported to CRAs the account is past due when I was currently enrolled in school and had provided documentation to which they have yet to respond.
My account with XXXX XXXX is past due in the amount of {$810.00}. At XXXX XXXX   central time XXXX XXXX XXXX telephone number XXXX XXXX   and XXXX who claimed she was the Manager spoke to my wife and told her how much the past due bill was. She inform them that they were not allowed to discuss my personal debt with her and they both continued to say it was ok and that because she my wife they could discuss the matter. I never gave them permission to discuss my debt with anyone. They said the phone call was being recorded and they did nothing wrong.
I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. The credit limit was for {$800.00} and the charge off/collection derogatory amount reported is {$1300.00}. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.
Dear CFPB Staff, I have citibank Credit Card for more than several years with credit limit of {$7000.00}. Last XXXX 2016, I made a minimum payment as {$180.00}, then on XXXX, XXXX 2016, I made another payment of entire balance of {$6800.00}. That will pay off the balance, then I closed my account. On XXXX, XXXX 2016 I called in to talk with Citibank representative to make sure my account pay off and close. However Citibank staff told me I needed to pay the last interest charge of {$24.00}. I then paid anther payment of {$24.00}. 
As single Mom with XXXX kids, I worked hard to take care a lot of thing, surprisingly I got the email from Citibank again and asked me to pay another {$31.00} dollars. They told me because I still owed them {$0.00} ( XXXX cents ) and I did not pay them therefore I charged me for late charge and other thing. I then decided to pay them {$31.00} on XXXX, XXXX 2016. I did call in to dispute but everything talking to them it took me more than 45 minutes, I then decided to pay them {$31.00}, but this month XXXX they billed me another {$31.00} they told me because they charged me late fee again ... I have no clue why this big Bank abused the law and overcharge and rob the poor us citizen like me. 
It is not big money but it is a against the law and why the big bank continues to cheat and steal the money from poor Citizens. I am please to ask your help to investigate this illegal overcharge the consumers and steal money from people. Since the account has been closed, I do not have a full credit card numbers. I Only have the last four digits of the card. Therefore, I provide you my ss # XXXX XXXX. This is not big money but it is against the laws and it needs to be stopped sooner rather than later otherwise Citi bank will continue to abuse the laws and use illegal business practice to steal and cheat consumers. 
This is my credit card information Citi Forward-XXXX. 
My name : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX
Equifax has re reported information to my credit file without doing a proper investigation.or sending me any documentation confirming that the action was going to be taken before reinserting information to my credit file. also i have several accounts on my credit reports. with incomplete or without information being fully investigated or verified as the information was deem fraudulent in the past on previous disputes and been removed. also equifax has refused to remove the information even though the information is deemed to be inaccurate or incomplete violating statues under the fair credit reporting act, also violations under the dodd frank act as well as the graham bailey act. Also equifax has listed a lot of fraudulent addresses on my credit report exposing me to risk that i should not be exposed to as being a consumer in the united states. Also there are accts that can not be verified or considered incomplete which was apart of the fraud, that had been removed for over two years have been placed back on my file without any proper notice being sent to the correct address which copies as well as personal information has been sent to theses fraudulent addresses. The Addresses that are reporting are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX Also Accts from XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX # XXXX XXXX Bank Acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX all these accts where reinserted back to my credit file without proper notice but also many of them with account numbers that do not exist or inaccurate information or information that is incomplete and never verified even after being told plenty of times of the discrepencies or of the creditors claiming to have not reported this information to equifax.
On XXXX/XXXX/2016, Amex took away the XXXX sign up bonus, which I earned Platinum $ XXXX spend /XXXX MR Sign Up points on XXXX/XXXX/2016. 
I DID meet $ XXXX in qualified spending, and that Amex has not bee able to point to any specific reason. 
During 3 months periods, I spent over XXXX dollars, and earned XXXX points, although Amex requires XXXX / 3 Months periods. 
I think that Amex is trying to avoid paying the bonus that they incentivized when they accepted the application for the card from the individual.
Dear CFPB representative, I paid my mortgage on time as well as my own taxes and insurance without the need for an escrow account per my Mortgage and Note but wound up defending myself against foreclosure threatened by Ocwen Loan Servicing for a mistake that Ocwen made that was reflective of Ocwen 's inability to effectively and lawfully service my mortgage. All of the documentation is attached both from my end as well as Ocwen 's response to the apparent escrow fraud that was and still is occurring. 

In XXXX 2014, Ocwen accidentally paid approximately {$70000.00} to my county for my property taxes that had already been paid on time by me as evidenced by the attached, which was clearly a mistake and any Ocwen representative should have recognized that huge amount immediately charged against XXXX person 's mortgage account. Nonetheless, Ocwen DID NOT recognize it but rather opened an escrow account for my loan due to erroneous delinquent taxes ; Ocwen paid the taxes for every apartment in my building but only from my sole mortgage account. 

This seemed absurd so I called Ocwen to report the mistake, which Ocwen finally acknowledged in writing ( see attached ) but then repeated their erroneous actions over and over, again and again - believe it or not - until I had to hire outside assistance to help me rectify the issue because Ocwen was now threatening me with foreclosure. Really? How could Ocwen threaten foreclosure on me when all payments were paid on time and the mistakes made were all Ocwen 's by their own admission ... this was crazy! 

The assistance that I hired - and would like for Ocwen to reimburse me for since they refused to correct their mistake for 10 months and counting without the help - was able to get Ocwen to once again close the escrow account in the past 30 days but Ocwen still held out over {$200.00} in payments in an " escrow suspense '' account for no reason other than for fraudulent reasons since I do not and have never had an escrow account. 

I have spent almost a year trying to fix Ocwen 's mistake and I would like Ocwen to be held accountable for the unfair and abusive mortgage servicing practices ( threatening foreclosure for their mistake then not correcting it for almost a year ). Also, I would like to be reimbursed for all expenses and fees paid by me to correct Ocwen 's mistake to include the hired help and other associated fees since Ocwen makes me pay their fees for their fraudulent and erroneous actions ; in fact, I 'd like any and all fees associated with their mistakes for the past year to be reimbursed and reconciled in my favor. 

It is inexcusable that I would have to defend my home from Ocwen 's threat of foreclosure when I have remained XXXX in compliance with my Mortgage and Note ; their actions are fraudulent, unfair, abusive, violating and most of all egregious and abhorrent. Ocwen should be made to pay for the stress they have caused me too. 

Thank you in advance for your time and help with this matter and please see the attached that validates all of the aforementioned. 

Sincerely, XXXX XXXX
On XX/XX/XXXX i transferred XXXX GBP to my coinbase euro wallet. The money left my XXXX XXXX account in XXXX and was not deposited in my euro wallet. 

I used the bank details provided by the mobile app at the time, which did not state that the deposit needs to come from an account that matches my verified name. 

I have since tried to make contact on many occasions. 

these include - email XX/XX/XXXX, XX/XX/XXXXr and XX/XX/XXXX - XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX So 6 times in total, the phone lines are always too busy and service just hangs up
I contacted XXXX XXXX on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my TransUnion credit file without my authorization, I did not get any help from them.
XXXX   XXXX   XXXX   XXXX  show me being late on payment s 180+ d ays from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  XXXX
I used XXXX XXXX ATM to withdraw {$240.00} cash, but its ATM only dispensed {$220.00} to me ( {$20.00} short ). On XX/XX/2017 at XXXX, I used XXXX XXXX ATM machine at XXXX XXXX XXXXXXXX XXXX. , XXXX , TX to withdraw money. I chose to withdraw {$240.00}, but the machine only dispensed {$220.00} ( actually 11 pieces of {$20.00} bills ). The ATM receipt showed that I withdrew {$240.00} and also my debit card transaction posted is also {$240.00}. Apparently the ATM machine of XXXX XXXX only gave me {$220.00}, but still charged to my debit card {$240.00}. 

I request Comerica Bank to refund me the over-charged {$20.00} due to their ATM error. For your information, the machine # is XXXX. Also the Record No is XXXX along with another sequence # in the receipt XXXX.
I have repeatedly asked for the original document that this was supposedly opened by me and have never received it. Do not believe this is my account.
After Graduation from University of XXXX in XX/XX/2007, I received a phone call late at night and was advised they were holders of my Student and Private Loans and need to consolidate. ( I do not recall who the company was that said they were the holders of my loan ) They Gave me 2 options for payments, which I didn't really understand what was going on. XXXX and XXXX then started sending me statements and I have since always made a payment of the total payment, if I couldn't pay the amount I have always sent {$100.00} or more to keep in good standings. I have recently found ourselves over extended and other financial occurrences in our life have taken a toll on our finances, in which I am trying to resolve. XXXX options of assistance after forbearance is not something I can financially satisfy at this time. I have continued to send $ 100- $ 200 month. However they have placed my loans in default and now I am being contacted by XXXX XXXX XXXX who tell me they are the collectors for XXXX XXXX XXXX XXXX XXXX XXXX. They too are unwilling to work with me on my payments or accept a minimal monthly payment. I have to pay at least {$2800.00} to get me out of default and then {$880.00} mo. If I could pay that I wouldn't be in this situation. My other options is to pay {$5000.00} down and $ XXXXmo for 60 months and then deal with increase of payment at the end of 60 months. They have denied me origination paperwork of loans being sold to them or my signature of agreement. This company is ridiculous and hounding and no assistance with working with their customers. I had {$100000.00} in loans for my education in XX/XX/2007, I currently have around {$60000.00}. They are threatening me, because it has been 30 days since they have been in contact with me that they are going to garnish my wages.
There are several accounts that were listed on my credit report and they do not belong to me!! I don't know how this information was placed but I need it REMOVED IMMEDIATELY..I don't know who these accounts are, I never had business with them.. CFPB Please help me solve this issue by removing XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX , XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX
I am a long time victim of Identity Theft and I have submitted multiple police reports to Equifax, report number, but Equifax has not removed the fraudulent accounts listed in the police report.