WillisBack/dataset-financial-user-claim huggingface dataset:
I am presently working to refinance my XXXX Mortgage and in the process it has come to my attention that my servicer ( OCWEN ) seems to employ a potentially unfair and deceptive practice when it comes to managing my escrow deposit. I was asked by the prospective lender to provide proof that the taxes were paid. I was embarrassed to learn that despite having the funds meant to pay for the taxes taken out of my escrow account on the XXXX of XXXX, the County Tax Collector has yet to receive the funds. As a result I can not substantiate that the taxes have been paid as of this writing. While the tax payment will not be delinquent until the XXXX of XXXX, I am out the funds and the taxes have not been paid. I assume the funds are sitting in the servicer 's transit account waiting to be paid and have been for at least 10 days. I phoned Ocwen this morning and spoke with the Call Center in XXXX and they informed me that the funds were sent electronically and they will research the matter. 

FURTHER HISTORY : Remember the funds were withdrawn from my escrow account on the XX/XX/XXXX. I spoke with the County Tax Collector today XX/XX/XXXX, and they informed me that my current payment remained due. Further, last year the County collected the tax payment from the servicer 2 days before the penalty free due date XX/XX/XXXX. Out of curiosity I traced the payment history back to the servicer statements covering my escrow account, which are available to me on the website and they show the money came out of my escrow account a full month before it was remitted to the County in XX/XX/XXXX. Presumably Ocwen saved some interest expense by taking the funds early and remitting them at the last minute.. 
The tax division here in XXXX County indicated that over the past few years my servicers habit has been to pay 2 to 4 days before the penalty free due date. While the servicer changed in the last couple of years from XXXX XXXX to Ocwen I can say for certain that Ocwen removes the money from my account well in advance ( 30 days ) of paying the funds to the County. 
This is very interesting and it appears that they have a systemic process which allows them to remove funds from the customer impairing the customer 's flexibility and taking away 30 days interest at the same time. While this may be a small amount of interest to any XXXX customer it would seem to add up to a big cost savings to Ocwen. 
For purposes of closing my refinance transaction it may end up that I will be delayed or have to pay the taxes out of pocket to close the transaction. I have an interest rate lock that will soon expire, and it may end up that I am forced to pay the taxes twice to preserve the substantial value of the rate lock. 
I was surprised to learn this, but at the same time would expect that this is a practice that is engaged in on a wide scale by many servicers.
there is a collection notice on my credit report for {$420.00} for a cable/ cellular service that I do not have any affiliation with. Trying to get this removed from my credit report. I submitted a request through smart credit for this to happen but creditor will not respondThanks in advance
After checking my credit report I fount a collection was made on my account for the amount of {$100.00} and was opened on XXXX XXXX, XXXX. After trying to contact the collector to dispute the charges made on my account I found the number to be unavailable. I tried to write to the company on XXXX XXXX, XXXX at Professional Account MGM XXXX XXXX XXXX. XXXX, WI XXXX and received no response. I would like this company to validate the debt under my rights by the FDCPA.
We recently asked our Wells Fargo branch in XXXX, NC to transfer funds from our account at that branch. The transfer requested was an international transfer from our account to the bank account of a business in the XXXX. Wells Fargo refused to transfer our funds. We were told that Wells Fargo would only perform such a transfer if XXXX of us was physically present in the XXXX branch.
I received a letter via U.S. Mail which is attached. The letter states " Their client, XXXX XXXX '' has a Judgement against me and is offering to settle for {$960.00}. 
I have never had an XXXX card and I don't believe this is my debt. I am being told to send this money in by XX/XX/2018 or the deal will expire.
Fay Servicing who is the servicing lender of my mortgage loan # XXXX has continually delayed posting payments to my account until after the XXXX of the month and have so far charged me two late fees when in fact the payment has arrived on time prior to or on the XXXX of the month. I use my Bank 's bill payer service to send payments and they have a guaranteed delivery date of on or prior to the XXXX of the month. Fay Servicing delays posting these payments and does not post based on the day they receive the mail and waits several days to post. Most recent payment was sent out by my bank on XX/XX/2019 for guaranteed delivery by XX/XX/2019 and Fay Servicing did not post the payment to my account until XX/XX/19. They charged me a late fee of {$97.00} and I feel it is unjust. Fay Servicing has said they will not refund the late fee and that is not acceptable to me.
I purchased a movie subscription that did not inform the buyer there would be additional charges. I tried to cancel and they would not let me. I disputed the charge and the bank was able to resolve this but the day after the dispute the movie company put through an additional unauthorized charge and I disputed that. The bank issued a temporary refund, then a permanent one but then reversed the permanent one saying they couldn't work anything out with the company. I am hoping you can reach out to either Citibank or the  movie company XXXX and find out why unauthorized charges are allowed to go through and not returned when disputed. 

Date of charge XXXX/2018 amount XXXX Multiple letters, emails and phone contacts have been made.
XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XX/XX/XXXXOriginal Amount : {$220.00} Original Creditor : XXXX XXXX XXXX XXXX ( Medical/Health Care ) Past Due : > $ XXXX< Pay Status : >In Collection<
On XXXX/XXXX/2016 I XXXX XXXX sent Experian via fax an Identity Theft Report stating that there were items on my credit report that were due to Identity Theft, along with identifying documentation, I stated clearly that the information is not information relating to any transaction by the consumer. I demanded an Identify theft block in writing. FCRA 605B ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I reported the alleged Identity Theft to the FTC and forwarded to the CRA this report and Affidavit. I spoke with local police and was informed that they did not have jurisdiction since these transactions happened online and in some cases in a foreign countries. I was not allowed to file a police report. I received a letter from the CRA stating that they were doing a standard reinvestigation of the accounts. They have no basis to do this. The CRA has locked me out of my credit report even though as a victim of Identity theft I have a legal right to my report. They are in clear violation of the FRCA and a simple google search will show that they routinely deny consumers there rights under federal law.
Calling work place multiple times throughout the day.
Harassment of people other than myself.
Calling from various numbers in the U.S.A Failing to tell me what company they 're calling with.
XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX accountsfor months. The credit bureaus never reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please this has hurt my credibility..
In 2008, like many Americans, our family was suddenly underwater with our home mortgage and we got behind due to a job layoff. We applied for and were accepted in President Obama 's aid program. We did a loan modification with Wells Fargo. Our home mortgage went up the exact amount as the aid package, so we thought we were paying off this aid in our new payment. However, we were recently blocked from selling our home to a buyer who 1 ) was qualified and 2 ) did not have a property to sell. We also received what we needed in the offer. That sell was blocked as the title company uncovered a XXXX mortgage in the amount of that same aid. Please pursue this matter with Wells Fargo. We are open to a fair and equitable settlement. 

Thank You, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXXXXXX
This company, who identified themselves as Forward Movement Recovery, has been calling me dozens of times per day for an alleged debt that is at a minimum of 12 years old, for a pay day loan that I do not believe I ever took out. It is currently XXXX and I have received 3 calls so  far today. And now my dad says that he is getting repeated calls from this company every day also. I am XXXX years old. I just talked to 2 different people from this company, one that hung up on, and one that was so rude that I gave him a piece of my mind.
Sometime after XX/XX/XXXX during XX/XX/XXXX, we received the Escrow Analysis Statement from XXXX XXXX XXXX ( FMC ). The statement indicated we had an shortage of {$1900.00} in our escrow account. I contacted FMC several times in XX/XX/XXXX ~ XX/XX/XXXX. I wanted to have a clear understanding of how they derived we were {$1900.00} short. I explained to several customer representatives over and over again we wanted Option 1 on page 1 which would require a lump sum payment of the shortage ( once verified ) to avoid an increased mortgage payment for XXXX. For one thing the amount seemed to be inordinate shortage. Then when I began to inquire how they came up with the amount they attempted to explain the entire analysis report. That's when I pointed out on Part 2 Your Escrow Account History showed escrow history beginning in XX/XX/XXXX with a balance of {$1900.00}. I explained we have been paying FMC at least since XX/XX/XXXX. Then when I downloaded the FMC monthly statements I found XX/XX/XXXX ~ XX/XX/XXXX statements showed Amount Due : {$0.00}. Then the XX/XX/XXXX statement shows Amount Due : {$1400.00}. The remaining statements showed this same amount until the XX/XX/XXXX statement which showed Amount Due : {$3000.00}. At that I requested an audit of my account and an updated Escrow Analysis Statement for XXXX. I received a letter from FMC dated XX/XX/XXXX. Attached to the letter was a detail history criteria from XX/XX/XXXX ~ XX/XX/XXXX. No explanation was given and there was no adjusted/corrected Escrow Analysis Statement for XXXX. Before XX/XX/XXXX our mortgage was administered through XXXX  XXXX XXXX  ( see complaint # XXXX ). They also had problems processing our payments timely and accurately. They decided to put our bi-monthly payments in a holding account each month and then process our payments when they felt it was appropriate. I've explained several times to both mortgage company 's there is no early payoff penalty for VA guaranteed loans.
I keep getting calls on my business phone from Focus Receivables. My business has absolutely no outstanding debt!
I have an inquiry dated XX/XX/2017 from XXXX XXXX XXXX XXXX that I did not authorize.
I recieved a copy of my background check. The information below in not correct. I have never lived in XXXX County. I have only ever lived in XXXX County. Someone must have used my name or information. Please remove this from my criminal background check. 


Date of Search XX/XX/XXXX Search Period XX/XX/XXXX - XX/XX/XXXX Address Covered XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address City Covered XXXX Address County Covered XXXX Address State Covered MN Location XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX COUNTY Given Name Searched XXXX XXXX XXXX Source Status History Status Date Description XX/XX/XXXX XXXX XXXX Search in progress. Estimated completion by XX/XX/XXXX Order Process History Date Description XX/XX/XXXX XXXX XXXX Search In Progress. 
XX/XX/XXXX  XXXX XXXX Search In Progress. 
XX/XX/XXXX XXXX XXXX Record Judged. 
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I have recently filed complaint # XXXX, after bankruptcy ended XX/XX/XXXX. I am contacted on XX/XX/XXXX, 3 weeks before closing on XX/XX/XXXX, by Rep XXXX who ask me for {$44000.00} I owe Ditech. She is unable to tell me why I owe them {$44000.00} but she will research it. On Monday XX/XX/XXXX I receive paperwork claiming i have a past due balance of {$44000.00} with no explanation of how. I contact XXXX at Ditech who explains I have a modification which I fax an approval letter from Green Tree to Ditech. I call up on XX/XX/XXXX and they confirm they have received the authorization letter for CFPB to contact them on my behalf, and all the paperwork from the bankruptcy and the modification approval letter from Green Tree. Now, on XX/XX/XXXX I receive a certified letter they have not received payments of {$1300.00} and I owe {$48000.00}. I still have never received reason why I owe this money. This is a case of Predator Lending it started with XXXX XXXX ( RESCINDED FORECLOSURE SALE ) Green Tree ( APPROVAL MODIFICATION LETTER ) Ditech ( INACCURATE INFORMATION REGARDING ACCOUNT $ XXXX/ $  XXXX/ {$48000.00} NO EXPLANATION )
XXXX   XXXX   XXXX  - I called  Discover Student Lo ans and asked about deferment options. Explained in detail that my truck was broken and the estimate I was given to fix it was $  XXXX  {$5000.00}. I was told I could defer my payment for  XXXX  and have repayments start up again in  XXXX . They read to me over the phone the clause about understanding how th e 3-month deferment would effect future payments and I agreed. One month later I receive notificati ons that my payments are past due. I called DSL and asked them what happened to my deferment, they said notices were sent  XXXX  and  XXXX , I told them I was on a trip on  XXXX  and have n't checked my mail since we got back almost a week later but that I did get the email notification. They outright said " looking at the notes here I apologize you were given the wrong information, you should not have been offered the deferment to start with. '' I asked them what they could do because I already had made a realistic financial plan for the 3 months around fixing my truck and still paying my mortgage and other necessary home expenses. They forwarded me to  a Senior Accountant and he said " well if we do n't receive payments after 68 days we 're reporting you to the Credit Bureaus. '' Then he corrected himself and said we need almost {$800.00} in less than one mo nth!!! I told him, does no one understsand the situation I 'm in, I specifically gave all my information about my truck and I 'm just supposed to have {$800.00} in less than a month? I asked him - even though it was your fault for giving me the wrong information and even though I was approved on the phone, which it says in my account notes, there is absolutely NOTHING you can do, even though it 's DSL 's fault? He said yes, nothing they can do even though it was their fault. I asked if they could just honor what I was approved for because I had planned on starting repayments in  XXXX , he said no. Then he started to give me attitude and said - well we sent a letter that you did n't qualify on  XXXX   XXXX , I told him I did n't get that letter and he just kept giving me attitude. Really?! So they can give their consumers wrong information, approve products, and then " send a letter '' saying you were denied, no phone call, no email. I explained to them the situation from the beginning and stressed my financial situation, I said I could even forward receipts f or towing, parts, labor etc to prove how much it was costing me to fix my truck. The Accountant still said - there is nothing we can do even though we gave you the wrong information.
I do n't have proof of this is my debt I will like to have proof with my signature which they was n't available to provide me thanks
Called Citi Bank to complain about a mix up on a payment, and they then reduced our credit line. While we are no longer using the card, I still do n't want my credit to show I 'm at my limit, and I asked them why they did it. They said it was information from XXXX I checked my credit report from XXXX, and I found no negative information. I called them back, and they told me the same thing again. I ca n't fight with XXXX because there 's nothing to fight about, and I ca n't fight with Citi Bank because they wo n't tell me what the problem is. I ca n't win.
Called me and said I owed on a payday loan and they were going to sue me and garnish my wages. I asked for the original loan agreement to be emailed to me and they said they could not all they could provide was a letter confirming a payment agreement after I gave them my atm card number.
To Whom It May Concern, It occurred to my attention that I have four inaccurate hard inquiries incurred on my account without my knowledge or consent or by error in the last year. These inquiries have affected my credit standing despite its clean history. These are the following inquiries that I don't recognize and which I hope you could kindly help fix and remove from my credit reporting : XX/XX/XXXX : an inquiry from XXXX XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : an inquiry by informative research. I don't recognize this inquiry nor have I applied to any service of such type this year.XX/XX/XXXX : an inquiry by XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.XX/XX/XXXX : XXXX XXXX XXXX. This was a collection inquiry that was resolved and removed per complaint no. XXXX submitted on XX/XX/XXXX to CFPB after finding that it was filed on my behalf upon incorrect information.

The only inquiry I recognize from the last two years is my application to XXXX XXXX  load on XX/XX/18.

I kindly ask you to investigate these inquiries, report them to the bureaus and do all necessary actions to remove them from my record as I have no knowledge or consent on their submittals.

Thank you for your consideration.

XXXX XXXX
Debt not mine. Someone had opened an account in my name. Please have this debt collector remove from my XXXX and XXXX reports : PORTFOLIO RC COLLECTION/CHARGEOFF Other {$910.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX  Account Number *********XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$910.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX-XXXX
Mortgage servicer Carrington Mortgages LLC claims that I mistyped my account number when attempting to make payment via their payment website on my mortgage for XX/XX/XXXX. I have requested in writing via certified mail that they show me evidence that such a mistype had occurred. I am currently awaiting for their investigations to complete to be advised. In the meantime I received a phone call stating that my account has now been " flagged '' and that I need to call them up ASAP. I am not in arrears. Hopefully they will post my XX/XX/XXXX mortgage payment that I submitted for mortgage payment XX/XX/XXXX. 

Prior to the above, they increased my escrow account cushion since they claim they require 60 days cushion whereas previous servicer XXXX XXXX XXXX did not, then they hard push for me to refinance with them. 

I would like to know what financial benefits or interests this organization has for being a mortgage servicer. As I feel that there is none whatsoever except for recovering late fees and foreclosing on individuals which have never been late prior to Carrington Mortgages LLC becoming their servicer.
XXXX XXXX listed multiple 30 and 60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX  and Transunion. Please remove the 30/60 day late payments from my credit reports.
On Wednesday, XXXX XXXX, XXXX, I purchased tickets for a show. I made a payment to the seller via Chase XXXX in the amount of {$400.00} around XXXX XXXX. The seller did not send the tickets as agreed, rejected phone calls and did not respond to text messages. At XXXX PST I called Chase Bank to alert them of fraud. XXXX, who was the representative I spoke to in the Fraud Dept/Fraud Investigations Dept said that the payment was made to another Chase customer. The account had only recently been opened, and the name that the seller gave me did not match up with the name on the account. They also said from what they could see on the account this customer had a history of incoming XXXX payments coming and immediate withdrawals, which he felt were a warning sign. XXXX, the fraud specialist, then submitted an automated request that the account holder return the funds due to fraud. XXXX then said there was nothing further he could do on the phone and suggested I go into a Chase branch the following day ( by this time it was last XXXX PST and branches had closed ), and speak with a branch manager. The following day, XXXX XXXX, XXXX, I went to Chase branch ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and spoke with a Personal Banker, who suggested we call the fraud department. She was also unable to come to any sort of resolution. I asked that the issue be raised to a branch manager. The branch manager, XXXX XXXX, then opened a branch dispute which is seen by a Branch Complaint Escalation Group. She too was unable to find a resolution and raised it to her XXXX, XXXX XXXX XXXX XXXX XXXX, ext XXXX ) was also unable to resolve the issue as well. The fraud issue was then raised to her manager, XXXX XXXX. Through the numerous calls and conversations with Chase, all the employees said they understood that fraud had occurred and that the other party was a Chase customer, for which they have a name, number, address etc but they could not do anything. They all also understood that the account was only recently opened by the customer, the name given to me and used for the transfer of funds did not match the name on the account, and the other party had a history of similar transfers and immediate withdrawal. Chase has taken no action to resolve the issue and have violated the BSA Patriot Act XXXX federal law ), as they are knowingly allowing fraud and have n't not taken any action to resolve the ongoing fraud.