WillisBack/dataset-financial-user-claim huggingface dataset:
My home was serviced by Seterus, INC and was destroyed in a fire on XXXX XXXX, 2015. The loss was reported correctly to the insurance company and Seterus. The insurance company has sent the payment amount made to myself and Seterus, which was overnighted to them with id, instructions, and overnight pre paid envelope for the difference over the loan pay off ( {$120000.00} ). They also have a large amount held in escrow for property taxes.Seterus is giving me the complete run around regarding the balance due me and the time line as to when to expect it. I am XXXX. I can not begin to rebuild my home until they refund the difference after the loan pay off. Please help!
I have a two family loan and a home loan with PHH Mortgage XXXX. 
I pay each of my mortgages with electronic bill pay through my credit union. Although I have spoken with PHH and provided proof of my payment day and proof of electronic delivery of these payments I have received notices of delinquent payment charging me a {$40.00} late fee each time. I just receive another notice in the mail saying my payment was late. I have checked my checking account and it shows the payment was posted on the XXXX. Each time I call to provide proof of dates payment was sent and receive ( I get this information from my credit union ) they argue with me and then tell me I can use my one time late payment forgiveness option and I then have to argue with them that I am NOT late and refuse to use the one time late payment option. Can someone please help me so I do not have to contact my credit union and then PHH to prove my payment was  delivered on time. This is becoming a habit with PHH and I do not feel it is fair for me to take time out of my work day to deal with this issue which is becoming reoccurring. Thank you for any help you can provide.
This is regarding a year of continuous complaints. I contacted XXXX and they said, they sent a letter to all three credit bureaus to DELETE account # XXXX. As I stated at first, this was not my account and all three credit bureaus still claimed this debt was verfified. Which is untrue. This was a fraud accont that had a different address with my personal information. After all three credit bureaus stated, I need a police report. That was untrue. I called XXXX 's CEO and they immediately sent the following letter. The letter is attached. Please note : With this unfair alledge verification the credit bureaus claimed they did for months has caused a 71 point drop in my score. And it should have never been. This account should have been deleted a long time ago. If it was it would not have damaged my credit and life. Because of this, it has caused havoc of me not receiving adequate credit.
Dear Innovis, Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. 

I did not open or authorize this account, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information and delete all XXXX items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how you are affecting my ability to work and make a living. 

Sincerely,
Iam 3 weeks late on a payment. I tell them when they call that I will pay them Friday XXXX XXXX, 2016. I wo n't secure the payment with a card till that date so the calls wo n't stop. thats fine. But they call me several times a day after I have asked them to stop. Told them once a day is fine, but if nothing financially for me changes from day to day, it certainly wo n't Change from hour to hour.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
I ask you for help with the agency XXXX, I sent a letter more than 3 months ago to request have remove more than XXXX credit inquiries that I have not recognized, and which I have not done or made. I don't know from where I have so many credit requests. 

I have Attached the report, as well the same was sent to XXXX  with a signed letter, with copies of my documents. And where did ask please to you remove all details of credit requests or credit inquiries. Which they have not done so far.
I 've recently received notice of wage garnishment of a bill/debt obtained from Pressler & Pressler , LLP that dates back to XX/XX/XXXX for something I do not know nothing about because from XX/XX/XXXX I was XXXX until XX/XX/XXXX and the matter at hand does n't even have correct government name..
On XXXX XXXX, 2017, I sent a wire transfer to Coinbase/XXXX to deposit funds to my account. It 's now been over a month and the funds still have not been credited to my gdax account. The transfer should have on taken a day or two, as indicated by XXXX. Here 's some info about the wire transfer : Date : XXXX XXXX, 2017 Amount : {$4900.00} XXXX XXXX :  XXXX XXXX XXXX  XXXX  Routing Number : XXXX XXXX Account Number : XXXX Reference Number : XXXX ( I do n't know if this is only a XXXX thing ) Special Instructions : XXXX Beneficiary Address : Coinbase, Inc XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX I can also provide information about my bank and account number if needed.
The loan originator for our home ( purchased in XXXX XXXX ) did not include wind and hail insurance in our closing costs. Neither the lender nor the closing attorney brought to our attention that it was required. The loan was sold to Pacific Union in XXXX XXXX. In a letter dated XXXX XXXX, XXXX, Pacific Union informed us that we would have to purchase wind and hail insurance in addition to the hazard insurance we already held on the property. By XXXX XXXX, we had cancelled our previously existing policy and purchased a new homeowner 's policy that included wind and hail coverage. We were informed both verbally and in writing by customer service representatives and the XXXX XXXX XXXX himself ( XXXX XXXX ) that we would not be responsible for any lender placed coverage between XXXX XXXX and XXXX XXXX. Fast forward to XXXX XXXX and we were informed that our monthly escrow payments would be increasing beginning XXXX XXXX. This was expected as the new homeowner 's policy, inclusive of wind and hail, is more expensive than the original policy and the taxes increased slightly. However, the disclosure statement sent to us lists a disbursement described as " ADDITIONAL '' in the amount of {$720.00} paid in XXXX of XXXX. This payment was withdrawn from our escrow account ( causing it to go negative ) for payment of lender placed insurance that we were previously informed we would not be responsible for. Since receiving the escrow account disclosure statement, we have attempted to have the {$720.00} refunded to the account to no avail ; even with continued assurances from Pacific Union representatives that we are not responsible for that lender placed coverage. We have continued to make our payments on time even though they are much greater than needed to account for the increased insurance premium and taxes.
Was supposed to be able to open an new account after my charge off was cleared. Now I cant because usaa didnt correct information with XXXX. I AM WITHOUT MY FUNDS STILL!!
on XX/XX/18 i contacted wells fargos regarding a credit line increase on one of my cards i have with the limit was set at {$600.00} already. i asked for an increase of {$10000.00}. this card i had for 3 years on the account no missed payments aways on time. instead i got an increase of {$200.00} dollars.i dont nothing on my credit report that would not grant my request
Over a year ago I closed acct for XXXX with Nevada State Bank. For over a year I have received account summary statements from the Bankcard center, XXXX, XXXX UT XXXX showing I have a {$67.00} credit. I have called the card holder service to receive pymt and have gone to the XXXX branch in XXXX, NV. to no avail. In XX/XX/2017 I spoke to a branch mgr who told me, after a hour on the phone, they were looking into it. Three weeks ago I went and spoke to a teller that made several calls and was on the phone for about 1/2 hour while I stood and waited. He told me they would contact me. It never happened. Last week my husband went in, as a VP of XXXX, and after speaking to XXXX, a branch mgr, he was told the check was " in the mail '' and should arrive this past Tuesday. It did n't. On Wednesday my husband went back to XXXX who made more phone calls, and was told if there were any " upgrades '' they would tell the branch manager, who would then contact us. We have n't heard a word since. 
I realize this is only {$67.00}, but if it was reversed we would be in collections. They have kept our {$67.00} for over a year and we want a solution. What are upgrades? Where is the check that was promised?
Last year I made a construction loan and began inquirys of several different leanding agencys to secure permanent financing of my home ... my goal was to REDUCE my interest rate and to gain FIXED rate financing on the home. I contacted XXXX ( or XXXX ) different sources and was able to secures a fixed rate below 4 % ... ONE goal ONLY and yet my credit scores began to drop ( a total of appx. XXXX points ) in the process. Is THIS proper? I do n't think it 's the intent of credit reporting agencies to penalize anyone 's rating for do9ing the RIGHT thing ... please investigate and remove these " hard Inquirys ''.
Debt was to be forgiven by original creditor per phone conversation. This should n't even be on my credit anymore as I became permanently XXXX.
I have been writing letters to this company for more than two years. I 've made several request for this company to  investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General XXXX XXXX are still not in place even though TWO YEARS has already passed. <P/>Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
XX/XX/XXXX I contacted XXXX XXXX XXXX, IC Systems and XXXX XXXX XXXX ( XXXX ). These companies are reporting a debt that is NOT mine ; the SAME debt actually, just separately with two different amounts. I verified the social security number with each of these companies and it was confirmed that its not mine. When asked to speak with a XXXX, I was told the SSN doesnt matter, its up to the credit bureau as to whether or not they report it under your name! This is fraud and Id like my credit report updated and corrected immediately!
The original debt was to XXXX in the amount of {$380.00}. The debt was sold to an investor, Trident Asset Management, XXXX. XXXX XXXX, XXXX GA XXXX Phone : XXXX who placed it on my credit report. In an attempt to clear the obligation, I telephoned the debtor and offered payment arrangements. They told me to go on their website, input the debtor 's name and the last 4 digits of my social security number and input my payment amount. I tried to do this twice and received an error message saying my debt could not be located on the payment website. I am filing this complaint as a result of this activity.
I applied for and was approved for a XXXX XXXX XXXX card issued by US Bank. All the advertisements and information about the card stated I would be able to receive the last night of any point redemption on hotel rooms free. The materials I received with the actual card also stated this. Not one week after applying for the card that benefit was removed, and now a {$75.00} annual fee is being levied on my card. I feel like this was bait and switch through luring me to apply with specific benefits, and then immediately removing those promised benefits and still charging me for them.
On XX/XX/XXXX-17 I received a letter dated XX/XX/XXXX-17 informing me Discover increased my credit line to XXXX. I Did Not request this. I also do not want this to affect my credit score. I contacted the company and after 25 minutes got no where. Please help they have very poor customer service. Why would they increase my limit without my consent. Sincerely, XXXX XXXX XXXX XXXX
I open HSBC account, seeing his ads of XXXX bonus. I meet all the requirement, and now HSBC did not get me bonus and said I forfeit it, there is no point with it. They also saying they would allow do global transfer with XXXX service fee with premier account, the fact is they just give an error code and froze my account without my agreement and deny me do transfer money to US. It is definitely they sell fake service or they refuse to serve me ( transfer funds, having bonus ) as they promised.
My credit acceptance account says late XXXX payments. That is not true. It was 6 months then there was a payment arrangement made with this creditor For XXXX per month from XXXX thru when the account was caught up. There was never a re written document to show with this payment arrangement I would be considered late for XXXX payments.
At approximately XXXX on XXXX XXXX I went to my local Wells Fargo branch in XXXX TX ( located at XXXX XXXX and XXXX ) to obtain a XXXX Signature for an asset transfer form. This was the third time over a several week period that I had visited this branch for service but had been told no one was available. As such, I decided to close out my checking account. I demanded that I receive cash from the account but I was told they do not keep cash on hand to fulfill such requests. When I demanded it again I was told by the clerk that " that 's enough money to get XXXX over ''. They refused to fulfill my demand.
I opened a citigold checking account with a bonus offer of XXXX Thank you points. 
Before opening it, I confirmed I was eligible for it. 
I completed the requirements and waited 90 days for the bonus points. 
I chatted with a Citi rep named XXXX who confirmed I 'll get the points. 
Now Citi is saying I 'm not eligible for them.
I filed for bankruptcy in XX/XX/XXXX. It was discharged in XX/XX/XXXX. XXXX XXXX is reporting delinquency in XX/XX/XXXX of more than 180 days. I have notified the mortgage company and all three credit reporting agencies and none will correct it.
I settled with Spire in XXXX and they have not reported my payment to the XXXX credit agencies and this has affected my ability to refinance debt.
My Daughter went to XXXX University and she needed a parent plus loan for student aid to help pay for school. I filled out the application once in her freshman year and and during the next 4 years never received the amount that was building up for the loan. She can never repay XXXX in student dept. The XXXX is the amount on the loan associated with the parent plus loan that I have with her. She also has a loan that is in her name only that she also has to pay for now, that loan is for XXXX. 
How can the school in good faith accumulate loans that they know the student can never repay, especially at 8 % federal loan rate. 
I need help to understand the proof the lender has that i agreed to pay all this money.
Ocwen continues to wrongfully damage my credit score by erroneously reporting to the credit bureaus that I missed a mortgage payment, when I have not. Because Ocwen raised my escrow amount after buying expensive " acceptable '' homeowners insurance when I already had good homeowners insurance ( the subject of a previous complaint still being examined by them ), I chose not to pay the increased escrow amount but did pay the old mortgage amount in full each month. When I disputed the increased escrow amount and chose not to pay it ( more than {$400.00} a month extra! ), they told the credit bureaus I had missed a payment, which I had not. Further, they continue to force a hardship on me by demanding I pay the increased escrow amount while this is in dispute, resulting in a total mortgage amount of more than {$2000.00} rather than the {$1600.00} I had been paying for 10 years. In summary, they have damaged my credit and caused me severe financial hardship by raising my mortgage escrow amount unnecessarily ( I sent evidence of my insurance agent 's correspondence with them in a previous complaint ).
Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX XXXX. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to XXXX that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX XXXX paid XXXX XXXXl in full
I sold my long-term home in  XXXX   XXXX  at the end of  XXXX  and sought to buy a condo in early  XXXX . The price of the condo was {$310000.00}. I was referred to Mortgage  Broker   XXXX   XXXX  a t Citizen 's  Bank to obtain a mortgage.  XXXX   XXXX  told me I did not qualify for a mortgage although I had sufficient cash from the sale of my home for a very large down payment. He offered to take out a mortgage in my name and to have me pay him the monthly mortgage payments and condo fees. I am not very sophisticated in mortgage matters and I trusted him and followed his advice. I gave him {$100000.00} in cash and he took out a mortgage for {$210000.00}. I thought the condo would be put in my name but instead it is in  XXXX   XXXX  's name. I have paid the mortgage and condo fees each month although  XXXX   XXXX  claims the tax benefits of the interest payments.  XXXX   XXXX  has threatened to evict me on several occasions as he no longer wants the mortgage in his name. I am of limited income and can not get a mortgage. I feel like I was taken advantage of  XXXX   XXXX  and  Citizens Bank,  as I am not even sure if he or the bank even considered me for a mortgage. Also,  Citizens Ban k and  XXXX   XXXX  should have advised me to put more money as down payment or even pay cash for the condo, which I could have done. At some point after the purchase of the condo  XXXX   XXXX  went to work for   XXXX   XXXX   as a mortgage broker. He provides me with   XXXX   XXXX   pre-paid envelopes and I send my monthly payments to him at   XXXX   XXXX  . I believe   XXXX   XXXX   should know what he is doing and he should be disciplined for taking advantage of me. I am a  XXXX   year old   XXXX  woman with health problems and limited income. The actions of  XXXX   XXXX , a licensed mortgage broker, and both  Citizens Bank and   XXXX   XXXX   have caused me financial hardship and  emotional distress. I feel like I was cheated out of owning my condo.
The past XXXX of Key and the culture of his administration has relied on the motto XXXX XXXX XXXX. Key has increasingly externalized critical transactions such as transfers through anonymous call center personnel in other countries, where records have supposedly vanished and a bankruptcy of accountability prevails where and when expedient. 

Disputes over fees, misc. costs, fines, failure to transfer funds, etc. are deflected in a process where Key requires that these disputes be pursued with the Credit Bureaus and that it should be first processed through Key Bank. Obviously, these disputes are not with the Credit Bureau, which is of course only reporting Keys input. The dispute is with Key that uses Credit Bureau scoring as threats that can damage their clients borrowing ability, business line of credit, costs of insurance, etc. When these transactions such as money transfers through call centers in XXXX are contracted, it serves to externalize accountability of Key and masks their documentation of inbound calls, misinterpretation of client instructions and errors as simple as missing the submit button or forgetting to enter a transaction on their computer screen. 

When Keyss XXXX XXXX XXXX in Ohio is confronted with the details including identification of personnel making errors, the dismissive response is to bury the inquiry in XXXX pages of irrelevant white wash. 

If CFPD would like to make a difference, it would find a mother load in Keys exportation of liability to other countries to avoid accountability in Ours.
I have a mortgage with Ocwen loan serving. I have paid my mortgage on time. I was in bankruptcy from  XXXX  to  XXXX . I gave Ocwen {$46000.00}. I have not seen any change in my mortgage. My mortgage payments are still the same. I have called  Ocwen  and the costumer service rep. Stated that the {$46000.00} went towards my principal. But when I look at my statement the {$46000.00} is not on my statement or online statement. I have called repeatedly and I would get transferred or hang up on. I would like this fixed.
On XXXX/XXXX/15 I was checking my Transunion credit scores and saw that they had decreased my scores by XXXX points. Please have them tell me why they did this. There has been no activity with my report.