WillisBack/dataset-financial-user-claim huggingface dataset:
US Bank purchased my mortgage from XXXX XXXX. With XXXX XXXX, we paid the yearly insurance and property tax ( escrow ). US Bank set up an escrow account and raised our monthly payments at an amount of twice the known amount of taxes and insurance, refunding us XXXX dollar for XX/XX/XXXX. For the year XX/XX/XXXX, our taxes and insurance increased by XXXX dollars.  US Bank increased our escrow to reflect the Exact amount needed for taxes and insurance ; however, decided to charge us an additional XXXX dollars a month to " build in a cushion. '' After being hung up on, transferred and speaking to two different supervisors in two different departments, they both told me that " it is their right '' to " build in a cushion ''. How is it ok for a bank to force me to pay them " cushion money '' when I already pay them interest on the loan. Of which a loan that I never applied for with them. XXXX XXXX   did not have a " cushion '' requirement in their mortgage agreement, how can US bank purchase the agreement with no notification to me and modify the original agreement without my consent. When I asked to pay my own escrow account, I was told that I would incur a fee of one percent penalty of the original loan amount. They raised my monthly payments by XXXX  dollars a month for a XXXX dollar increase in escrow. I have made two requests for an itemized explanation and both times I was informed that it was sent out " a month ago. '' They have my mortgage, so I know they have the correct address ; however, I sill haven't received anything in the mail except a new bank statement demanding additional money and an outline of penalties if I send them my money late. How it is legal for a bank to extort money for a " cushion '' because its " their right '', in the mean time they build interest on my money, only to send me a check for the extreme overpayment, several months after the close of the fascial year. Had I known US Bank was going to buy my loan, I would have immediately refinanced when the interest rates were still low. Now my only options are 1 ) refinance at a higher interest rate and pay refinance fees. 2 ) stay with US Bank and continue to have them increase my mortgage for their make believe " Cushion '' 2 ) Pay US Bank a ridicules fee for the privilege to use my own money to pay my taxes and insurance. The most frustrating part of this is how smug US Bank customer service is, telling me it is " their right '' to simply charge me a " cushion. '' I have never missed a payment, I have even made extra payments. I even have a credit score of over 800.
This is the issue I DO N'T HAVE A LOAN with this company. Supposedly XXXX XXXX used me as a REFERENCE ( without my permission ) on her car loan at Coastal Credit LLC XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX, Phone - Customer Service/Collections : ( XXXX ) XXXX Coastal Credit calls me on a consistent basis looking for XXXX. So far Coastal Credit has called XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I have asked Coastal Credit on at least XXXX occassions to STOP calling me. Coastal Credit keeps indicating XXXX gave them permission to call me by using me as a REFERENCE. I Stressed to them that I did NOT owe them any money and QUIT calling me. Coastal Credit keeps stressing they are going to KEEP calling me until I get XXXX to contact them. That is BLATENT HARASSMENT!!!
I have a state tax lien from GA that 's been paid and only credit report since XX/XX/2009. It 's been seven years and it should come off. All the other credit bureaus removed it with no hesitation but equifax will not remove it.
This letter is being sent to you in response to a notice sent to me on XXXX18 in response to a listing on my credit under XXXX XXXX XXXX XXXX " XXXX ''. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. The investigation was shown as verified and there was no information sent to me at all, so how could it possibly be verified? No contracts or signed documents were sent to me at all. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, XXXX XXXX
I applied credit card and rejected my application got the letter on XX/XX/2018. My application id is # XXXX. After contacting customer care they said they were not able to find credit history and asked me to send SSN fax. I did my SSN fax on XX/XX/2018 and confirmation number is # XXXX. Between XX/XX/2018 and XX/XX/2018, an inquiry made by CITIZENS BANK was added to your credit report. They rejected my application because i am staying in USA on XXXX XXXX XXXX, Credit report manager confirmed this on XX/XX/2018 evening around XXXX XXXX. Why they pulled my credit report again? What is the need of those many times doing hard inquiry? They didn't inform about that. Kindly do the needful.
My mortgage loan was transferred to LoanCare and since it transferred to them, my impound account was not properly funded. I now owe the county a large sum of money for taxes, out of pocket. I emailed, sent documents, and called them in an attempt to get them to pay my taxes from my impound account, they have done nothing. The people I did get on the phone were not helpful, and one employee was very rude. My emails have never been responded to. I attempted to call again last week, XXXX/XXXX/2015, to XXXX different numbers of theirs and the phone answered, but it was dead air, there was nobody there. I also had to jump through hoops with my home insurance company because the policy was not renewed as it should have been. I have never had to worry about anything with my home loan before, but with LoanCare I 'm very concerned they will mess something up again and it will cost me time and grief.
I am a victim of identity theft : The following hard inquiries listed on my Experian, XXXX and XXXX XXXX Report is unauthorized, fraudulent and not mine : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Wellsfargo wiped out my savings without my knowledge. I did not get any warning or letter or whatsoever. Wellsfargo closed my credit card since this company charged my credit card with fees and interest. I went  to ask in their branch on Saturday in  XXXX   XXXX / XXXX / 17  at  XXXX  and the clerk said I have to call  XXXX  no. which is closed. The clerk was not patient and empathetic to my situation. I was just told it 's legal matter.
According to XXXX my credit information has been possibly leaked due the recent data spill. I never consented the right for credit agencies to store my personal information in any form, thus the leak of my information is entirely upon them. To potentially stop identity theft I tried to freeze my credit inquires but it seems that the websites wo n't allow me. Upon calling their centers I was informed that I would have to pay for the freeze which should NOT be the case. This is due to their negligence and they wnat money form me to resolve. This is completely unacceptable.
I paid this debt off months ago to company that was handelinf the collection. It is no longer an open account.
My wife passed XXXX XXXX, 2015 after 2 years of sickness. Our truck was in her name and I tried to take over the payments. I asked the loan office to put the loan in my name so I could make the payments. They told me they would need 3 weeks to do the paper work but in the mean time I should continue to pay the loan XXXX $ XXXX/month XXXX and the insurance. They faxed the paperwork to me so that I could switch the loan into my name and they told me it would take 3 weeks. I filled out the information and sent it back immediately. Again they told me it would take 3 weeks. I called every week for the last 2 months, checking the status of the paperwork. After weeks of calls, they finally told me they sent the paperwork to me through XXXX. 2 weeks later, I did n't receive the paperwork. Last week, the week of XXXX XXXX. I called and told them I did n't want the truck anymore because they had n't changed the name on the loan. I also requested the payments that I made be returned to my account. After that, they transferred me to someone who told me that I would not receive money back because I made voluntary payments when -- in reality -- they TOLD me to make the payments while they did the paperwork. I informed Ally that since XXXX XXXX I was unable to use the truck because the license plate and the registration was expired. I could n't register the truck where I live now because it was in my wife 's name. I was unable to use the truck to go to work and therefore lost money by continuing to pay the loan and insurance. The lack of immediacy in Ally 's response to my request cost me to get a used car just to get around.
Wells Fargo intentionally acted in a personally biased way against my wife and l. 
This is evidenced by the letter we received from Wells Fargo, where the letter of about XXXX small paragraphs on half a page, referred to our notice of serious health issues. 
This was unnecessary to mention at all, it should not have played any part in their decision making process. The context of their message was in a sneering fashion, clearly biased against us. They know l am XXXX years old, XXXX. Nobody so ill wants such a response from anyone- and certainly not from people at a major bank like Wells Fargo or it 's employees. 
It is an essential part of recovery that a positive perspective is kept, that becomes impossible when Wells Fargo employees wrongfully act with bias against individuals that have serious medical problems.
I am on a rate reduction plan, and I called to resubmit because the last one was about to expire, and the lady on the phone told me to call back next month, and that I did n't owe anything that month. When I called the next month they asked me why I had n't paid last months bill. Things like this happen every time I call and it cost me extra money every time.
I would like this to be taken very seriously as I 've been working extremely hard to clear up and clean up my credit ; Prior to my credit updated via Credit Karma, I had a XXXX via Equifax + XXXX on my XXXX, My new SECURED CC had yet to report ( The balance is less than {$33.00} ( It 's now showing {$190.00} ) ) - However I also still had a collection on my account prior to it updating. 

The final collection account was finally removed ( So I had nothing remaining in collections when it updated ) and my secured card finally showed up, somehow my XXXX dropped 25 Points to a XXXX ; and My XXXX dropped 62 Points to a XXXX. 

Keep in mind, there 's no more collections after I had a TON of collections removed etc and cleared up, Additionally I got a new CC ( Secured ) and have less than a 25 % current balance on that card. 

I was expecting my scores to skyrocket, instead they 've tumbled. WHY is this exactly, I really do n't understand, I 've done everything to clear this up and get this fixed. It does n't make any sense.
I was notified by XXXX that my Social Security number was compromised. 
So after checking my credit report, I saw some inquiries that did not belong to me. 
I notified each one of the credit bureaus by certified mail to investigate the inquiries.

each one of the credit bureaus failed to prove that any of the companies who had performed a hard inquiry into my credit had my written authorization.
LoanMe is reporting erroneous late payments on my credit file and I would like them to update their information accordingly. I made payment arrangements for the end of XXXX, 2015, however there was a miscommunication and my bank account was not charged until 8 days later, on XXXX XXXX, LoanMe made an unauthorized charge to my bank account for twice the amount we had agreed to pay. It appears that LoanMe is penalizing me with late payments being reported to the credit reporting agencies every time I made a payment arrangement with them. Had they communicated to me that a payment arrangement would have resulted in a late payment I never would have agreed to the payment arrangement.
This complaint concerns a mortgage loan issued by US Bank. The mortgaged property was sold on XX/XX/2016. The annual real property tax due on the house, approximately XXXX, was paid twice at settlement. The standard procedure in cases of this kind is for XXXX County in Maryland to refund half of the overpaid tax to the settlement agent for seller for remittance to the taxpayer, and half ( approximately {$10000.00} ) to the mortgage banker, in this case US Bank, for remittance to the taxpayer ( I.e., the mortgagor of the property ) XXXX County duly refunded the overpayment. The settlement agent has refunded {$10000.00} to me. On XX/XX/2016, XXXX County refunded {$850000.00} to XXXX, lenders'agent for the payment of real property taxes on mortgaged property. This sum inicluded many refunds, including the {$10000.00} due me. Notwithstanding the receipt of the refund over three months ago, US Bank has not repaid the tax refund to its proper owner. 
It thus appears that US Bank is exploiting its position as mortgage lender to unlawfully appropriate, and use interest-free, funds that belong to consumers with which it deals. Considering that my tax refund was one of numerous tax refunds paid on XX/XX/XXXX, US Bank may be engaged in the general practice of misappropriating consumer funds.
Ditech processed my mortgage payment on XXXX. My automatic-payment agreement clearly says that the money is not to come out until XX/XX/XXXX. That was the date I chose. This is the second time they have done this, and I did file a complaint. But Ditech said they did nothing wrong. I wish to mail a copy of my overdrawn alert from the first time and a copy of my online banking statement and a copy of the auto-payment agreement, so you can clearly see they have done this again. What good is an agreement where I have chosen the date for withdrawal if they randomly take out money from my account. The first time they did this I was over-drawn {$1900.00} and could n't pay for groceries. This time I was shopping for a new washer and dryer and all I had left in my account after they put a hold on the money was {$400.00}. Their agreement clearly states that the money will come out on XX/XX/XXXX and if XX/XX/XXXX falls on a holiday then it will be the next business day. I have the money in my savings and I transfer it over on XX/XX/XXXX to be ready.
Ocwen s ettled my conventional loan with a DIL, which I wanted, and I am no longer in procession of the house. However, I also had a home equity loan as a  XXXX  lien. We negotiated the $  XXXX  balance down to {$23000.00} of which I paid off {$11000.00} in  XXXX   XXXX . I have letters from  Ocwen st ating they would pay the remaining {$12000.00} with th e Hafa  program. T he DIL  was finalized on  XXXX   XXXX ,  XXXX . However,  Ocwen fail ed to pay off the  XXXX  lien to  XXXX  Bank. The loan was initially given to  XXXX   XXXX  and now the law firm of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  is handling it. They just contacted me have given me until the end of the month to pay the remaining balance  that Ocwen ne ver paid or they are taking me to court. I have contacted people fro m Ocwen and they say they are taking care of it and that they needed a letter from me to discuss the file with the law firm in which I provided. Because of Ocwens  history of being able to complete things on time I am worried that this will not happen before  XXXX / XXXX / XXXX . If that is the case, I plan to su e Ocwen for  whatever amount   XXXX   XXXX   takes me to court for which could be anywhere from $  XXXX  {$25000.00}.
I contacted Transworld Systems, Inc. regarding rehabilitation of my outstanding student loans XX/XX/XXXX. I agreed to a rehabilitation program for the loans they are servicing and was instructed to email my XX/XX/XXXX XXXX. Along with U.S. Mail and phone calls to my cell phone, I have been contacted more than once on my work phone number. During the first phone call to my office, I requested that TSI not contact me at work, because it will interefere with my job. I was told by the representative that the company would no longer do so. When I was called again today, I informed XXXX XXXX XXXX ( TSI representative ) that I had requested not to be contacted at work ; that he would have to call me on my cell phone if he wanted to speak with me. He indicated he knew, but since the last call between he and I on my cell phone was disconnected ( I was driving and told him I could n't talk while driving ) he said he had to call the office. He further said that he was going to put a wage garnishment on me if I did n't follow his directions ; a statement I found to be harassing and threatening. 

TSI has three ways of contacting me, other than my office telephone. Clearly, they are ignoring the Fair Debt Collection Practices Act ( FDCPA ), in continuing to contact me via my office telephone number. I have written them an email to indicate, in writing, that they are not to contact me at the office and to use one of the other three methods they have on file.
On XX/XX/XXXX, I sent XXXX XXXX a certified letter, requesting validation of a debt they say I owe ( {$320.00} ). The said letter was received on the XX/XX/XXXX. In  that letter, I asked that the debt be validated within 30 days ; however, I never got a response from XXXX XXXX. As stated in such letter, if the information could n't not be validated within the 30 day time frame, it should be removed from all three bureau 's. Because they failed to respond to my request within the timeframe, that is a direct violation of my FCRA RIGHTS. I am asking for resolution by way of removing this account from all three reporting agencies. 

Thanks kindly,
XXXX mortgage - I have paid on time over XXXX payments, never missed a payment, and about 2-3 years ago the payments were not being applied to principle correctly. Last year nearly XXXX % of the payments were interest only. Mis-allocations continue to be made and I have to complain very month for them to adjust and re-apply. I do not believe the principle owed is correct. I have paid over {$60000.00} ( XXXX payment at {$600.00} each ) and my principle has gone from {$76000.00} ( original loan amount ) to {$69000.00} after 7 years. Every customer service representative and every escalation ends up with people saying how messed it is and how they have no idea on how to correct it, project teams were assigned to correct it and no access to them or resolution - it continues to happen.
I acquired this debt as a result of a divorce ( I had taken out the loan for my husband to use for automobile repair and improvements to the house ). He indicated to me that he would help me pay the debt but stopped when I wouldn't reconcile with him. I made some payments and then the loan was sold to XXXX XXXX XXXX XXXX. I intended to get on a payment plan and forgot and pushed the debt out of my mind. I would like to created an installment plan and begin to slowly pay off this debt. I will be able to increase the amount I'm paying after some other debts are taken care of and paid off.
I'm a XXXX year old retired XXXX XXXX Veteran. As a proud Veteran, I humble myself seeking help for a legal battle stemming from an illegal foreclosure while suffering a XXXX. When I wear my military hat, people come up to me and say " THANK YOU FOR YOUR SERVICE ''. Three foreclosures on the same property and with the same account have been documented. Now I have until XX/XX/2018 to pay a lump sum of {$18000.00} into the registry or be homeless. My legal rights in the XXXX County court system were violated.
Several Employees at Platinum Home Mortgage XXXX XXXX for purposes of a competitive advantage have put up hundreds of horrible untrue links that disparage me and other people that I work with. I spoke with the attorney for platinum and he told me that he would not be able to help me. These are horribly false complaints by his company 's employees that have hurt me both personally and financially. 
The company and XXXX of their loan officers and management teams including their NMLS number are included in the links : XXXX XXXX XXXX The XXXX. 
XXXX XXXX NMLS XXXX is a disgruntled former employee who works for Platinum and runs a completely non-compliant website, XXXX for Platimun Home Mortgage XXXX. I ca n't prove that he 's behind this so I wo n't accuse him. However XXXX of his team XXXX XXXX is obviously involved based on the links I 'll provide to you on google. XXXX also a Platinum Home Mortgage NMLS XXXX employee does his programming also has a website, doctorsfundinggroup.com that directly links to all of the XXXX consumer sites. I do not want to file this but Platinum left me no choice. I ca n't take these things down. Only they or their employees can.
I disputed all inquires on my account that i did not authorize EXCEPT FROM XXXX and they were not removed. Because I didnt authorize these inquires i have a fraud Alert placed!! And now im asking for assistace for them to be removed even after I told them i did not GIVE ANYONE PERMISSION TO CHECK MY CREDIT BUT XXXX!
I have 2 accounts with Bank of America. One of the account use to be a saving account. After being charge the fee because they changed the policy and said you need to have XXXX or more on your account to not have fee charged to take money out I was told to switch it to a checking account and I wish I didnt do that. On the first account it has been open for 10 or more years the second maybe a year. I have been charged fee on fee things going into my account that I called and said was not authorized and it wasnt me. I was charge to pay my rent. I also have looked in my account and seen that the bigger amount are saved and the smaller amounts that have already been taken out have fees charged to it. I had a credit card with Bank of America and was charged for something they decided to refund back to my account. Something needs to be done because I am tired of it