WillisBack/dataset-financial-user-claim huggingface dataset:
My husband XXXX XXXX and myself XXXX XXXX have been defrauded by United Shore Financial Services , LLC. They refuse to send copies of monies in escrow for insurance payments and taxes and when they do it 's half a year later. They block my login attempts and refuse to answer calls from my numbers unless I use another phone number and when they find out who I am they transfer the call to a voicemail that says it 's full. I have all conversations recorded. Were owed over XXXX dollars just for insurance payments, which my community has a blanket policy that covers inside and out of our property. It 's been year since this money was to be returned and has not. UWM stopped sending monthly statements and will not reply on this issue. We 're also owed for over payment in taxes through monthly escrow built into monthly payments. I made 2 payments on XX/XX/XXXX, 2 payments on XX/XX/XXXX in XX/XX/XXXX. They have charged me over a XXXX dollars in fees with these scams. This ca n't be legal and I have all phone conversations. My loan was also sold when it was never to be sold and this was all clear from the start. I have ( XXXX ) and need monthly statements because of the XXXX I have and UWM were provided this information my husband XXXX XXXX has MPOA, POA and takes care of the mortgage. UWM say 's when I call they 're collecting a debt but what debt. If when I made the 4 payments I was behind why was no correspondences sent? I also would like all future statements sent certified so I can be assured I get them. I 've received nothing saying that I 'm behind in anyway and if I was behind 4 payment why were they not moving towards foreclosure? I was also charged a fee on the last statement I did receive for an inspection, which never happened. I need help with this matter and strongly believe Federal and State laws have been broken and need help desperately. It 's inhumane to be treated this way by anyone let alone an individual with XXXX. I ca n't believe that any of this could be legal in the United States. Make no mistake I have tried to resolve this issue myself before filing with the ( CFPB ).
Bank of America has not refunded the {$300.00} closing balance on savings # XXXX due to confusing poor service. Please see attached letter to Bank of America CEO which explains the circumstances. 
Thank you!
I filed a dispute on a charge XXXX ( XXXX ) made for {$380.00}. rather than the monthly amount of {$38.00}. I sent Citi a detailed notice and explained that XXXX charged for a whole year of service rather than the monthly amount which Ive paid that way for over 12 years. As Citi was taking its time to handle the dispute, I sent Citi payment to cover the amount of time used at XXXX. In the mean time Citi co-mingled the dispute I had with Home Depot ( who didnt make a credit on a refund even when I had the refund receipt ). The Citi sent me a letter stating the dispute with Home Depot was resolved in my favor but put the amount the dispute with XXXX was for. I sent them a letter requesting they clarify that resolution letter. They did nothing. Ive called them several times and sent them what they needed. However, they havent sent me anything in writing for some time or tell me the status of the dispute with XXXX. When I call them, they give me the run around and tell me to resend everything. Ive requested to get things in writing from them but they dont respond or do it. Its gotten to the point Ive had to put a freeze on the account. When I ask for a managers name or phone number they say they dont have one. And, that they will have to handle it in the order it was received. It was received four months ago and was never handled. They said they couldnt expedite this and do n't have a phone number for their expediting office. Theyve admitted they co-mingled the disputes but arent willing to do anything about it. They simply are just incompetent and when its brought to their attention, it starts all over again.
I closed on the sale of my home on   XXXX / XXXX /17.   Round Point Mortgaging  held my mortgage at the time.   XXXX   XXXX   XXXX   contacted  Round Point  for the payoff statement o n  XXXX / XXXX /17. The payoff statement stated {$130000.00} was amount of payoff, good through  XXXX / XXXX /17. A check was sent by   XXXX   XXXX   to Round Point for {$130000.00} on the day of closing,  XXXX / XXXX /17. I cont inued to receive phone calls from  Round Point  in an attempt to collect payment they were saying was past due, so I stopped answering their calls knowing the pay off check was en route. Then I received foreclosure paper work in the mail from  Round Point M ortgage Co. I called and spoke with a woman who told me there was a shortage of {$860.00} from the pay off amount and stated the reason why was because of escrow shortage & fees. She also informed me as of   XXXX / XXXX /17 the amount d ue was $ 1300+. This woman also informed me that   XXXX   other pay off statements had been generated b by Round Point  Mortgage Co since the original da ted  XXXX / XXXX /17. I was told t he reason for the updated pay off statements was due to  Round Point  paying the property taxes that had come due on the property. It took me  two  weeks to actually speak with my " Accoun nt Manager ' ' who then told me it was   XXXX   XXXX   XXXX   XXXX   error, not Round Point 's. After contacting   XXXX   XXXX   XXXX  , they of course stated it was an error o n Round Point  Mortgage Co 's, not theirs, and stated they never received any " updated '' pay off statements ; only the  1st dated  XXXX / XXXX /17. I contacted the Town I live in to find out about the taxes being paid. They received the payment from the buyers of my property and then received Round Point 's check for taxes in amount of {$2000.00}. They have issued a refund to Round Point Mortgage on  XXXX / XXXX /17 for {$2000.00}, which to date is not bei ng reported b y Round Point as r eceived. I received a statement from  Round Point o  n  XXXX / XXXX /17 showin g a balance due now of {$2200.00}. I 'm unclear whether the error was on  Round Point 's  for sending the tax payment or  XXXX   XXXX  for not sending the correct payoff. I 'm under the assumption at this point my next step is t o 1. report this to cfpb and 2.  hire a lawyer to take care of this issue.
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XX/XX/XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX and XXXX XXXX all non-account holding inquires such as XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I Have never lived at XXXX XXXX XXXX XXXX, Il XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX, IL XXXX ; have never worked at XXXX XXXX, XXXX XXXX XXXX XXXX. Account to be added XXXX XXXX # : XXXX
In XXXX, XXXX XXXX XXXX XXXX, sent me a delinquency letter at my INTERNSHIP address. It was addresses to me but once I opened the latter it was in regards to ANOTHER woman with a complete different name. It is tax obligation from XXXX and XXXX, years in which I was only a CHILD. 

Primary TIN XXXX tAX pERIOD : XXXX tAX aSSESSED XXXX iNTEREST : XXXX pENALTY XXXX Primary TIN XXXX Tax Period XXXX Tax Assessed : XXXX Interest : XXXX Penalty : XXXX I do not know the person and i have NO debt and GREAT credit. Today XX/XX/XXXX, I got a SECOND delinquency letter at my internship in regards to a DIFFERENT person this time by the name of XXXX XXXX XXXX. Why am I getting so many delinquency letters at my internship its so embarrassing and theyre not even for me! Ive been given a warning because im receiving all these letters from XXXX XXXX XXXX. Is this even legal? Ive tried calling them and they say if I dont know the person than disregard the letter but they keep sending me them. HELP please.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Transunion failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX
I have a collection on my XXXX credit report. When I sent Franklin Collection Services a letter about it they sent me a letter for the item listed. It has the last four of my SSN but the name on the debt does not belong to me. I want this removed immediately. Please see all attached docs. Thank you.
-XX/XX/XXXX - I transferred {$10000.00} USD from XXXX account to my XXXX XXXX account that had been verified by Coinbase/XXXX. The website claimed this would take one business day, as it had for me in the past. 

-XX/XX/XXXX - I transferred another {$10000.00} USD from XXXX to the same bank account. 

- XX/XX/XXXX - I received one of the transfers. 

- As of today, XX/XX/XXXX, I am still waiting on the second {$10000.00} transfer. less the {$25.00} transfer fee. 

-Support has been essentially non-existent. I have sent 8 emails, 3 of which have been answered with canned responses, all with the same generic message : " We are looking into it ''
Have tracking of when i first contact equifax concerning dispute online stated it would be complete by today 's date i have not received an email or letter in mail about dispute other disputes they disregard and did not look at them next plan of action suing the bureau for reporting inaccuracy tracking number to equifax  XXXX  first attemp second attempt no response  XXXX
Hello, In XX/XX/2017 I got into an automobile accident when a XXXX  driver swerved into my lane. I was injured and then I had gotten an XXXX XXXX XXXX XXXX and was stuck up in a hospital for 7 weeks after that. I am just now recently returning to work and have had 9 overdraft/nsf fees from being out of work. 7 fees in my every day checkings account and 2 in the savings account. I went in and showed documentation of my issue and the store manager tried the best he could. 9 {$35.00} = {$310.00} in fees collected by Wells Fargo. The manager said the company system only produces what we can do to help the situation, and couldn't control it. He said he was able able to recovery 25 % on those 7 transactions in my everyday checkings account.
I had got XXXX XXXX and then lost my job and ive tried to work it out with XXXX XXXX and i got run arounds from i had a fha loan and now its different i have been told some many thing and yeasterday i find out its a private investor thats has my mortgage
I made on time payment and the bank is saying, my $ XXXX a months mortgages payment funds will not be applied to my account, plus they trying to force me to modify but I 'm very happy with my 3.250 % fixed interest rate.The Bank is SPS Select Porfolio Servicing, Inc
I originally borrowed $ XXXX to pay for my XXXX degree at XXXX University. I have made payments in the amount of $ XXXX but none of the payments have reflected in my principle balance. I had applied for a loan consolidation to see if I qualified for a lower monthly payment but I never approved the consolidation, I was waiting to see if the repayment options would be beneficial but they are not. Without approving the loan I know owe $ XXXX which is almost double my loan amount. The new terms of the loan call for me to make $ XXXX monthly payments for 30 years. That 's an insane amount of $ XXXX on a loan of $ XXXX that I 've already paid $ XXXX on. How do they get away with charging me 6 times my original loan amount?
On XX/XX/XXXX my wife, XXXX, and I purchased {$65.00} worth of merchandise at Kohl 's located in XXXX XXXX, Florida. My wife 's Kohl 's card expired in XXXX. The cashier said it was still OK to use and updated our current address and contact information as we were checking out. On XX/XX/XXXX, I learned via a credit monitoring service that Kohl 's processed a delinquent account with the credit reporting agencies. I immediately contacted Kohl 's and found that balance due statements were sent to our old XXXX XXXX   address. We moved from XXXX to XXXX in XXXX and the Kohl 's mail was returned to their address in XXXX. Within a hour we made a full payment to the nearest Kohl 's store. This was an error by the Kohl 's employee in XXXX for failure to update our mailing address. 

I successfully, after numerous attempts, persuaded Kohl 's to waive the majority of the finance fees. Our FICO score was reduced from approximately 800 to 709 due to this Kohl 's error. I formally requested them to reverse the overdue payment notification with the credit reporting agencies. They have refused to take the correction action.
Our mortgage was sold by XXXX  XXXX XXXX to Carrington Mortgage Services this past fall. The mortgage payment has been {$630.00} monthly. 
On XX/XX/XXXX Carrington informed us that they would be raising our monthly mortgage payment to {$700.00}, an increase of {$70.00} per month. None of our taxes or insurance have increased, but they are now requiring us to have an excess of {$720.00} in our escrow account. 
Our taxes & insurance payments are XXXX. 
XXXX = XXXX and XXXX = {$49.00}. 
According to your representative that I spoke with, the above are the limits to which the mortgage company can require for additional escrow. Because I am retired and my husband on XXXX, the {$70.00} extra would be a hardship for us. 
I have spoken to several of the Carrington customer service reps, but they all say that the figures are correct and that is what we must pay, anything less would not be accepted toward our mortgage payment. They also told me {$720.00} must remain in our escrow account, and we would only get back anything above this amount at the end of the year. 
At present, we owe payments for XXXX and XXXX, and we are hoping to resolve this issue. I will be making one payment on XX/XX/XXXX when I receive my social security check.
I have tried to file this over the phone but it did n't work. I am near a public library now and am able to attach this  Macy 's card that I have made at least 15 calls about and been called a liar, received two ( emails from Macy employees -- one was nice  the other did n't even speak, just sent an attachment? like I would open that on a friend 's smartpho ne? ). ( see  attached, ca n't locate email from  XXXX   XXXX  -- he was pleasa nt ) The following days after contact from Macy 's  personnel, I received offers to use m y Macy  's card that there was {$50.00} credit on it for me. ( see attached ) I am sick of them. I know their company is doing badly but leave me out of it. DO NOT SEND CARDS AND THEN YOU CA N'T USE THEM.     That is wrong and tell me you tried to reach me but n o one ans wers. I do n't have a phone, you silly geese. You  CAN survive as an ID Theft victim without one an d it is better.
i have had a checking account with bank of the west since late XX/XX/XXXX early XX/XX/XXXX and a safe deposit box for about 30+ years. every year i get a bill for the safety deposit box and when i receive the bill i pay by mail or check in person. i received a letter from bank of the west on XX/XX/XXXX advising me that they would take out the payment for my safety deposit box automatically on XX/XX/XXXX without my authorization. i have never given bank of the west permission to take money from my account. they just decided on their own that it was ok to take my money. i spoke with the bank manager of the XXXX XXXX XXXX and his suggestion was that i could surrender my safe deposit box an move on.
I checked my credit report yesterday, l saw a collection on my report. Collector named National credit systems lnc. Its {$98.00} which l dont owe. I dont have any agreement with them. Its basically fraudulent activity.
I subscribe to overdraft protection from PNC Bank, but even with this they charge a {$5.00} fee if it is used. On XXXX/XXXX/15, in the evening, I noticed that a few purchases I made ( but did n't post yet ) placed me at - {$46.00}. Knowing of the {$5.00} fee that is assessed, I transferred all {$300.00} from my savings to my checking Sunday night. Apparently, later that evening or Monday morning the overdraft protection transferred {$46.00} to checking. But, since that money was already transferred - by me - my savings reflected a - {$46.00} balance. 
I did n't realize this until today when I also noticed, for the last XXXX days ( and it would have continued had I not transferred money ) that PNC was charding me {$7.00} a day ( my balance in savings as of this morning was - {$60.00}. 
How can they charge me for a situation they created? Why would their system allow a transfer from an account that had {$0.00}. I feel it is unfair and a complete money grab.
Financial phishing!!! Was getting XXXX hang-up calls a day from XXXX, for several weeks, finally did a dial back and it was this company Opportunity Loans. Told them I was on the No Call List and wanted no further calls. Was told they were calling about my loan application and would need last XXXX of my SSN to pull ; advised I did n't have an application so my SSN would do them no good. Advised they could use my phone number to remove from their call list and any further representation that I had a loan application was fraudulent. Since that XXXX conversation I have received XXXX more hang up calls. I also received XXXX messages left from the same company on a toll free # XXXX, ignored the XXXX thinking it in error, the XXXX came in on XXXX, my conversation with the rep XXXX went much the same as my original conversation, with them insisting they needed SSN info to stop calls ; thus far I have not received further calls from this number- yet. I believe this particularly egregious phishing may have been triggered by my recent HARP process with my bank as I 've gotten a number of mail offers since then, but these folks just wo n't stop even after I told them I was a XXXX ( in credit & collections, no less ) and I worry that given the list the calls are apparently are being generated from they may take XXXX of someone who is at their most vernarable.
Credit card company denied charge back on the purchase of a pet food supplement. The product did not match the description on the website. The credit card company demanded written testimony from an expert ie veterinarian or pet food store stating that the product was not as described. This, despite my providing proof that the description on company website differed from the fact sheet that was included in the actual product.
Refuse to validate. Reporting erroneous info. Never late/past due in XXXX XXXX XXXX XXXX Auto loan & line of credit. 

Delete immediately as it is adverse. Ive submitted several legal affadavits over the months but they refuse to validate. 
Only says it belongs to me with no proof.
This is a complaint against Bank of America Credit Card Services, and its prevention and fraud department. The reason for this is an excruciating situation for me, because from one day to the next Bank Of America personal profile and credit card 2 credit cards appear that do not belong to me, never open those accounts, never authorize the opening of these cards, I believe that this department did not give me the right treatment, put some cards in my profile without being mine, affecting my personal credit with the 3 credit bureaus and also with the same bank. When I saw in my profile of BOFA, the first thing I did was to communicate with the bank, the response was so disastrous and of little professionalism, well Ms., this investigation can take 90 days, and knowing that these accounts have another name and another surname and SS different, because they are still there in my profile.

These are the numbers of follow-up complaints to my problem : XXXX.
I XXXX XXXX XXXX ( Married name ) opened a Credit Card with XXXX  XXXX XXXX with a credit line of {$800.00} on XX/XX/XXXX as XXXX XXXX ( Single Name ) because of lack of communication at the branch where i opened since i didn't speak English neither XXXX which the XXXX  XXXX XXXX associate spoke, i didn't make payments on time, so it went for collection. 
But i never refused to pay for my debt, i just refused to pay the outrageous bank over fees, so as it went for collection i negotiated with the collection agency and Settled the balance in Full. 
Also i want to report XXXX  XXXX XXXX for fraudulently using my married Name to report on my new social Security name that i obtained after my marriage privilege that gave me a status of obtaining a social security number which i didn't have any when i opened this account on XX/XX/XXXX as a Single Lady. 
My Social Security Number only got issued this year on XX/XX/XXXX. 
I am not neglecting to pay any legal amount that i owe, So only what i owed, i paid and settled in Full. 
The Representative at XXXX  XXXX XXXX told me that i didn't have to make any payment on this credit card till after 8 months of opening it. 
I invest my money oversees in Banks so i totally understand how horrible fees can be if not managed properly. 
I could even file a Consumer Law Action about this but i rather seek for my rights with Consumer Financial Protection Bureau. 
So i Hope this finds a good hearted person to help me dispute this from my credit correctly. 

Thank you so Much. 
Kind regards XXXX XXXX XXXX.
I received a letter from DISCOVER dated XX/XX/XXXX in which I was asked to provide updated information on " citizenship and occupation ''. It was stated in this letter that this information was needed " to meet government guidelines that prevent money laundering and terrorist financing ''. I was provided a choice of either going online or calling the number on the back of my credit card in order to provide this information. 
I did neither! I was appalled at what was being asked of DISCOVER customers! 
It is a known fact that questions about citizenship and employment/occupation are requested when one first applies for a credit card. I was also informed that the only government required information from a credit card customer is an actual physical address ; this being an outcome of XXXX when terrorists were using PO box addresses. 
I contacted XXXX by phone on XX/XX/XXXXand sent an email to them to report what I felt was overreach, potential profiling and misleading content in the DISCOVER letter which could cause individuals to provide this information believing that it is by government mandate when it clearly is not. I also addressed this issue directly with a DISCOVER representative in a recorded phone conversation onXX/XX/XXXX. I have further addressed this important issue with the Better Business Bureau and now with the CFPB - both as of today XX/XX/XXXX. My purpose is to enlighten consumers as to what is being asked of them by DISCOVER and how it is being asked.
XXXX XXXX has deemed account to be fraud and Equifax refuses to remove it even though I uploaded the documents XXXX XXXX sent me stating account was found to be fraud.
I HAVE A FRAUD INQUIRY PLACE ON MY CREDIT REPORT TODAY XX/XX/2018 IT WAS FOR XXXX XXXX XXXX AND THEY REFUSED TO HELP ME AND TOLD ME TO CONTACT XXXX XXXX XXXX  AND THEY WOULNDT ASSIST ME AND THE EXPERIAN REP WAS RUDE TO ME AND KEPT PUTTING ME ON HOLD FOR 30 MINS AND HUNG UP THE PHONE ON ME I HAVE NO TRUST WITH EXPERIAN
I have be a victim of identity theft, FCRA says that fraudulent information should be block from the consumer credit file.FTC complaint has been file and police report will be file too. 
Please correct this information.