WillisBack/dataset-financial-user-claim huggingface dataset:
We just received our annual Escrow Account Disclosure Statement and we are concerned that LoanDepot is not accurately stating the status of our escrow account. Facts : - Beginning XX/XX/2018 our Escrow payment went from XXXX to XXXX an increase of XXXX - The new Escrow Disclosure Statement states we have a SHORTAGE in our Escrow account based on projected expenditures ( taxes and insurance ) because our new escrow payment beginning XXXX XX/XX/2018 is XXXX ( a reduction of XXXX ) but to JUSTIFY the SHORTAGE claim are adding a SHORTAGE escrow amount to the XXXX of XXXX for a total of XXXX ( a XXXX reduction to our original escrow payment of XXXX. 
We feel LoanDepot is attempting to cover up the OVERCHARGE of escrow from XX/XX/XXXXto XX/XX/2018 by CREATING an intentional shortage for the next year when in reality they did OVERCHAGE our account significantly. It looks like they are now attempting to cover it up by creating a payment schedule that makes it look like there is an actual shortage to the account when there would be a HUGE overage if the original escrow payment of XXXX remained in effect ( copies of the disclosure statement are enclosed ). They have even offered us an opportunity to pay-off this fabricated shortage by paying XXXX in advance which would keep our escrow payment at the new fabricated payment of XXXX. We believe this type of financial bookkeeping is not right and may not  be legal.
I applied for a mortgage through carrington mortgage and was pre approved and went through the whole process to obtain the mortgage to purchase a house and paid for the inspection as it was a va loan and then was denied 2 weeks before closing for not having enough reserves when through a va loan there are no cash reserves needed and i lost the house and was out XXXX for the home inspection.
There is an account on my credit reports from a company called AD ASTRA RECOVERY SERVICES ( acct # XXXX ). They are claiming that I owe them. I have not received any notification that I owe them, nor have I signed ANY documents allowing them to have any of my personal information. I have tried to work with the credit bureaus but they have failed to provide me with a document that I signed in regards to this account.
I am writing this complaint against Citibank/ CitiMortgage. I have been trying to get a loan modification for about 1 1/2 year now. I have turned in my papers that is requested of me in a timely manner and multiple time. Citi has been incompetent to do their part as in processing the paper in a timely manner and allow my papers to expire. Once they expire I have to start back over. I have had multiple attempts by phone and email to contact my specialist XXXX XXXX. I never hear from him or able to contact him. The one time I did he stated that there was in paper work on file in which he was very rude and not helpful at all. I told him there was and that I received a letter stating so. I then ask to speak with his manager. I spoke with XXXX XXXX par. Once I spoke with XXXX he stated needed my home owners association paper once again even though it will state the same thing. Once I emailed it I tried multiple times to contact XXXX XXXX par by phone and email with no successful attempts. To see If he did reiceve it and it is was the proper paper to move forward with the process. I finially received an email from XXXX XXXX par on XXXX XXXX 2016 stating that he did receive my papers and he would retro back all of my last documents so they would be current to send them to the underwritier and I would know something in a week or so. It also stated that XXXX XXXX XXXX would keep me updated with the underwriter. I still have not heard anything from XXXX, XXXX or a decision. I have received a paper and calls stating that my loan is past due and all money is due or my account can be forwarded to foreclouser in 14 days of stated date of XXXX XXXX 2016. I should already have a decision on this loan modification since I have been working on this for over a year now and not have to be going through this with the added stress due to Citi 's incompentent work ethics
I just got foreclosure sale date notice today for  XXXX   XXXX   XXXX  by certified mail while in the modification proce ss. Ocwen Loan Servicing keeps violating the law over and over again. My California Home Owner Bill of Rights.The attempts to wrongfully   foreclose on my home. The foreclosure notice which states that    XXXX  is the foreclosing party. In California  XXXX  can not foreclose by law. VOID! VOID! VOID! CALIFORNIA STATE SUPREME COURT RULING  XXXX   XXXX   XXXX . How many more times is Ocwen going to keep breaking the law. It is a crime. FRAUD. People go to prison for commiting FRAUD. But not the PRESIDENT AND CEO and of them that commit FRAUD AND THEFT a t Ocwen. All the fines Ocwen  has received from different California agencys has not stopp ed Ocwen from this wa y of doing business. It must STOP NOW. Ocwen is currently under investigation with CALIFORN IA FINANCIAL PROTECTION BUREAU AND   OTHER AGENCYS. Ov er 1000 law  suits going on right now against them. Al so Class Action Law s uits.   I am a victim of Ocwens behavior and it must stop now.
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX  XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. 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.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I received my credit report from XXXX this morning and found some things into the report that I had no knowledge of. Yes last XXXX I received a letter form XXXX XXXX XXXX that I maybe one of 14 million that was in the problem of the credit bureau being breached then.

From the looks of it they were right I have addresses that I never lived at and the misspelling of my last name as well as some one tried to get credit in my name as well. 

Now I am seeing addresses that I never lived before. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single family house XXXX XXXX XXXX Address identification number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single Family XXXX XXXX XXXX Address ID Number XXXX These places I have never lived before. And I never used my son 's name o co apply with me on anything now that is a fraud because his name has been used for different things as well.So that is wrong too, now the spelling of my name is wrong as well over Name identification number XXXX XXXX this is not my name at all. If your going to fraud by using some one else name spell it right. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX ( XXXX ) XXXX So what XXXX XXXX XXXX told me was true. I have companies calling and telling me that I have to renew the house and car warranty when I do not even own one. I have checked my own back ground check and find that thee are a million XXXX XXXX XXXX 's because it is a common name. I just happen to be one of them. I do feel that I was a victim of ID Theft because to find these tings on my credit report is hindering me from advancing to do better for myself and family. I am trying to get a small business loan now and can not get it because of all of these things on my credit report. It makes me look bad hen I am trying to clean things up and not owe anyone at all. 
these things I did not know about until today
i have had work done to my house ( XXXX ) replaced well fargo property loss dept. has refused to remit the insurance check promptly. the check was issued from insurance co. XXXX wells fargo say the sent it to me regular mail. XXXX then XXXX the problem is the check has been receieved and now the contractor is threatening to remove unit and file a lien against the property. this is a pattern of deception that is illegal.the property loss department is purposely causing this problem
They call from different numbers. I have spoken with several reps requesting they stop calling me but the calls will not stop. 

Numbers they call me from : XXXX Call List : XX/XX/XXXX @ XXXX XX/XX/XXXX @  XXXX XX/XX/XXXX @ XXXX # XXXX I delete the rest of my call history prior to making this report. The calls come every couple of days. 

The automated system states it is XXXX XXXX and she needs me to call her back @ XXXX
Dates of fraudulent transactions were for XXXX from XXXX stores in New Jersey made XX/XX/XXXX and XX/XX/XXXX. 
Their was a withdrawal back in XX/XX/XXXX and the following day for another XXXX dollars and the bank is refusing to refund me for the fraudulent transactions. 
This is with Bank of America
I had made a deal with a credit card company to have fund taken out of my checking acct of XXXX a month until it was paid so they took out XXXX payment then sold to a collection agencythen took XXXX more payments of the same amount this was a XXXX card at the time I made the deal I had like XXXX before theyhad late fees over the limit fee how can I be over my limit when I have maid payments now I have all paper work they took payment after they sold the note. 
Now they Are going to garnish my pay forXXXX
XXXX XXXX Debit card # XXXX XXXX XXXX XXXX  Exp. XX/XX/XXXX was issued by the Social Security-Treasury Department as part of the electronics payment for XXXX XXXX XXXX. These are monthly benefits in the amount of {$750.00}. XXXX XXXX is manipulating my daily average balance downward for over 3 months now. XXXX XXXX lists XXXX as the consumer assistance call center. However, when you call this direct, you are simply provided with an extensive, generic repeat of options. XXXX XXXX does not allow clients to lodge complaints, to flag and dispute transactions. XXXX XXXX   portal also appears to systematically fail clients. I keep having to re-register, with no success. Recently, I received an SSI payment of {$780.00}. I know from simple store expenses that there should be a minimum of {$500.00}. Today I called XXXX XXXX  to dispute two charges ( something I have been trying to do for weeks ). I was informed my balance dipped to {$100.00}. It is inexplicable. However, XXXX XXXX will not provide on their automated system, transactions leading up to the balance in question. XXXX XXXX call center simply refused to provide clients with the means to see the daily transactions and balances, and to dispute charges. XXXX XXXX   fleeced me last month in a similar MO, and the month prior. XXXX XXXX  must provide immediately clients with details about transactions and allow clients to dispute them on the spot. Even the simple act of reporting a card as been compromised is out of the question with XXXX XXXX/
On XXXX/XXXX/15 my house got damaged because of very strong winds. Per " XXXX XXXX '' insurance the damage included the roof, ceiling of the living room, etc., in total amount of {$11000.00}. They quickly sent the check and instructed to contact our Loan company ( Seneca Mortgage Servicing ) for loss draft. Ever since XXXX/XXXX/15 I called them around XXXX times, faxed and mailed out all the documentation they requested, however ; even though I have spoken to different representatives at different times, it appeared that they were just reading a ready script, repeating the same thing over and over ( " please, allow us 7-10 business days '' ). It is worth to mention that even after 40 business days they still have n't done anything. So, I requested to speak to a supervisor, who XXXX XXXX XXXX XXXX called back on XXXX/XXXX/15 and left a voice mail on my phone stating that within 3-4 business days the " whole thing will be done and you will have the check '' ). I was shocked when after 7 business days of waiting I called back and the next representative told me the same script " please, allow us 7-10 business days ''. This is a mortgage company that is suppose to make sure that consumer 's house does n't go to foreclosure, instead, because of their careless attitude I literally live without a roof, the damage of my house gets worst and worst, since within 3 month there have been more winds and rain. Neighter the representatives, nor the supervisor care that my family 's health and well being is under a big question mark. 
I would like to request your assistance in getting my insurance check ASAP since it became impossible to do business with Seneca Mortgaging Services. 
Thank youXXXX XXXX
For the past month, I have received several daily phone calls from Trans World Systems , Inc. ( XXXX ) I have spoken to several agents and told them repeatedly that I am NOT the person they are trying to reach. I have spoken to agents when they call and I have even given them the phone number of the person they are attempting to contact ... .all to no avail. I was assigned my phone number through XXXX XXXX three years ago. Since that time, I have been contacted by banks, credit card firms, resorts, insurance companies, etc. all looking for the same person. I found that person by simply XXXX the name and I pass that information on. I am sick and tired of getting phone calls from this company day in and day out.
XXXX charge appeared on my HSA showing XXXX/XXXX/16. This was paid via the HSA on XXXX/XXXX/16 and the check cleared on XXXX/XXXX/16. The minute clinic continued to send bills and I sent copies from the HSA showing it was paid yet they continue to dun me. Now they have sent it to collections. I shared the proof it was paid with them and they still continue to try and collect.
I went to the  TD Ba nk in  XXXX  MD on Friday,   XXXX   XXXX   XXXX     to cash a check for {$9000.00} that was written on a TDBank checking account. The  He  ad Teller , Ms.  XXXX   XXXX , assisted me with the transaction. She asked for my identification, which I promptly provided. She took a long time working on the transaction ( probably about  10   minutes ).  She consulted the computer an d one o f her colleagues ; and a t one  point went into the back. Finally, with another bank teller at her side, she told me that they would not be able to cash the check since it was for such a large sum and they had tried to reach the person who wrote the check by telephone to confirm that it was OK to cash the check. I responded by saying, " Why would you need to call him to cash the check? He has an account here and you should be able to confirm that he has sufficient funds with which to honor the check. '' Ms.  XXXX  explained that " this is a small bank branch and the check is for a lot of money. '' She asked if I had an account at TDBank. I told her " no '' and she asked if I wanted to open an account with them. I told her " no '' and that I have an account at another bank. I explained that I simply wanted to cash the check that was drawn on  TD Ba nk. She refused to cash the check. I had to ask her to return the check and my identification in order to get both back. I left the bank without being able to cash a check that was drawn on the bank.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX After recent changes with my credit report and not being able to obtain reasonable percentages on new mortgage rates and being numerous times denied credit I decided to carefully review my credit history and Bank of America Loan Modification which was done XX/XX/XXXX. As l have poor understanding of such matters, I asked for help of a few different financial councilors and Consumer Financial Protection Bureau specialist. And unanimously I was advised to give closer look at my loan modification as it seemed to be unfair in nature on how it was done at the beginning in 2010. That year our American economy was struggling badly and I decided to call Bank of America and see if there was a possibility for me to lower my interest rate from 6.375 % to 2 %, as it was offered in recently passed Government Bill. That is all I wanted. Bank of America told me that it was possible and that it will take time for it to process. They told me that everyone was going through hard times and they had lots of work therefore a representative was never available in person, although there was a BA office right across the street from my residence. In the process and couple conversations over the phone, I was sent trial payment slips and I was told to send payments as it was instructed on those slips. I was never before late on my mortgage payments and I trusted BA, and sent all payments on time. However, I was completely unaware that BA was reporting me to the Credit Bureaus as delinquent and unable to pay, and at the same time they were charging me delinquent interest and delinquent escrow from XX/XX/2010 to XX/XX/2010 of more than {$7500.00}. I was told that I was getting 2 % on my interest drop but BA took advantage of my situation. They never explained to me a full picture of what I was going to be placed into. Just recently after reviewing my mortgage paperwork I found out that my mortgage was not modified. BA did a full refinancing of my loan. They did not lower my interest rate as I requested, but they extended my loan years from 30 to 40 and not only extended, they restarted the whole loan from the beginning, therefore today instead of having 20 years left on my mortgage I have 34. My interest rate is being raised and already reached 4 %. They also charged me {$7000.00} for refinancing and to this day I do n't know what happened to my trial period payments that I sent in and how they were applied towards my loan or it just simply vanished and ended up in someone else 's pocket. 
As a result of this I suffered high interest rates on other loans and products because my credit history for seven years showed negligence as a non-paying and high risk consumer. I was charged over {$7000.00} in fees and to this day I am not sure what happened with my trial payments, as for more than five months bank was putting them aside, and did not applied them to my loan.
While this case is about XXXX XXXX XXXX ( which I have received letters like this case has ), it fits best my XXXX XXXX XXXX complaints. In fact, XXXX XXXX XXXX has already supplied a letter dated XXXX XXXX XXXX, stating that the furnished account was correct, they would continue to report it, etc. It was not correct. I was not legal either. Think about that when reading this. My situation falls in between the case below. My case did not make a payment in order to be reported. However, they reported payments were made on time, though I never made any. Using this case, even positive time-barred reporting is barred, whether paid, unpaid, etc. Because Experian was the most specific reporting on this credit account - closed in XX/XX/XXXX - and reported " paid on time '' each and every month of XX/XX/XXXX by an " internal '' upgrade by the furnisher, shows that the credit reporting - BY DATE ALONE - wilfully violated the law. So this case will be added to my other documents against both the furnisher and the credit reporting agency in court. Hopefully, the reality-check of this clear language will speed up the too-slow investigation and reinvestigarion into the details of those 13 months of payment data. Those details are not even admitted to by the furnisher ( U. S. Mail ) a week after I called the Fraud department. Yet, they are right on the Experian credit report I initially received in XXXX XXXX. XXXX other credit reports have variations on this reporting ; such that it could not have been a single furnishing. It was in XX/XX/XXXX, ever month in XX/XX/XXXX ; and in XX/XX/XXXX, too. This XX/XX/XXXX account will be on my credit report until XX/XX/XXXX because the letter by the bank said it will continue to report it - thus causing me to continually dispute it until then - and says it was correctly reported. The case should serve as a " cease and desist '' to Experian for any and all accounts connected to XXXX XXXX XXXX whatsoever ; regardless of what account is furnished!!!!! If the furnisher refuses to stop, then this agency must stop them, based on this case as an umbrella blockage to more disputes. I do not want to waste anymore time trying to explain the clarity of this case XXXX XXXX XXXX to a national bank or to their national major agency that disseminates that error another number of years. 

XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. ''
On XX/XX/XXXX I made multiple purchases of Bitcoin from the XXXX online cryptocurrency trading platform. The purchases were made from my Fiance 's bank account in the following order : ( 1 ) {$700.00} ( 2 ) {$1800.00} ( 3 ) {$3000.00}, the third purchase for {$3000.00} was doubled charged to our account due to an error with XXXX and Coinbase ( XXXX has since taken responsibility for the double charges but Coinbase has not refunded me as I will get to. ) By the end of XX/XX/XXXX, {$5500.00} worth of Bitcoin was credited to my account with Coinbase. However, {$8500.00} was charged to our bank account indicating there was a double charge of  {$3000.00}. 

The Following day, XX/XX/XXXX two more purchases of Bitcoin were made of {$2500.00} & {$4300.00} while still unaware of the previous day 's double charge. 

Our total investment was a total of {$12000.00} that was showing in the Coinbase platform. However, we were charged {$15000.00} to our bank. After roughly two weeks of waiting for the return of our money, we contacted our bank and on XX/XX/XXXX {$3000.00} was returned to our account. 

Unfortunately, the following day Coinbase shut down my buying or selling options with a notice that they were owed {$3000.00}. My hope was that they would realize this was the amount of the double charge. On XX/XX/XXXX, Coinbase transferred {$3000.00} of Bitcoin out of my wallet and then charged me a {$44.00} transfer fee. All of this transpired and they did not notify me that money was taken out of my wallet or that I was charged a fee. Now, essentially the double charge has gone back into effect. Coinbase has responded with emails to my inquiries but not with any detail of how they will solve the issue, only that " we are having a specialist reviewing the case. '' The double charge took place 42 days ago, Coinbase withdrew {$3000.00} dollars from my wallet 26 days ago. How is it acceptable for this much time to pass and not have the problem solved yet.
I have an FHA loan with mortgage insurance. I was told when I contacted US Bank that this premium would automatically be cancelled when my loan had an 80 % debt-to-value ratio. I paid extra principal each month to reach the 80 % faster than scheduled. 

The premium was not automatically removed and, when contacted, the company is now stating that it is a 78 % debt-to-value ratio that must be reached. 

The more concerning problem is that I must submit paperwork to have the premium removed once I hit the debt-to-value ratio. This is not insurance that I purchased on my own ; I was not able to shop around for the best price. Nor am I the benefactor from this insurance policy. 

This extra hurdle to remove the insurance premium from a consumer 's monthly payment is an abuse of power in the customer relationship at best, and fraudulent at worst. US Bank should not be allowed to continue this practice, and if this is industry standard practice, the industry should not be allowed to continue either. Consumer 's need protection from practices like this.