WillisBack/dataset-financial-user-claim huggingface dataset:
During our bankruptcy proceedings it was agreed that the escrow account was to be closed in XXXX. During final resolutions the escrow was to remain closed. XXXX On XXXX Ditech started to subvert mortgage payments into an unknown account.. Ditech subverted XXXX mortgage payments to this date into an unknown account. XXXX and XXXX. Ditech failed to notify anyone of the subverted mortgage payments. 
Ditech has claimed that it made property tax and hazard insurance during the year XXXX/XXXX and XXXX on my behalf. This is not true as I have made every tax and insurance payment. 
Ditech is requesting to open an escrow account and submitted a false statement to the bankruptcy court in declaring that they have made escrow payments and other unknown payments from an escrow account that was opened on my behalf in secret. Not XXXX monthly statement has reported such payments or expenditures. 
Ditech is submitting that I be enrolled in a hazard insurance with the cost of XXXX. My current hazard insurance has never lapsed or expired. .My current hazard insurance cost is XXXX. I have not asked nor applied for any hazard insurance from Ditech, especially at the XXXX dollar rate. The practice of subverting hazard insurance is not new as Green Tree attempted to subvert my hazard insurance into XXXX of their own at the cost of XXXX even though my hazard insurance never lapsed or expired. It appears that Ditech is doing this to " qualify '' its practices of subverting my monthly mortgage payments. This was a common practice that the FTC discovered Green Tree was practicing and it appears that they are still practiciing this unlawful activity. 
I have filed several complaints directly with Ditech about their unlawful escrow activity. They have refused to answer any of my complaints. 
Ditech is starting to do exactly what Green Tree did that finally forced myself into bankruptcy. Even though Ditech admitted no wrongdoing, no foreclosure fees and attorney fees were assessed against myself during the Bankruptcy proceedings.
I bank with Fifth Third Bank in XXXX Ohio. I have a business checking, personal checking, savings, and XXXX investment accounts with them. 
I deposited a business check from a customer out of state that I have deposited XXXX checks in the past two and a half years without any problems with regard to XXXX. 
I have not deposited a bad check since opening my account with Fifth Third in XXXX. 
The check was deposited on XXXX XXXX, XXXX and cleared by the bank that it was drawn on on XXXX XXXX, XXXX. 
Funds were withheld from my use until XXXX XXXX, XXXX. 

It 's obvious to me that Fifth Third Bank has the use of MY money from XXXX XXXX to XXXX XXXX, XXXX and therefore making money off of my money without compensating me. 
Is this practice one that is condoned by CFPB?
I bought certified pre-owned car at a dealer. They recommended Santander Consumer USA bank to get loan from. Interest rate was very high, that 's why I decided to pay more than specified in documents. I have consulted with bank itself that I will not have any issues or fees or anything paying more than specified. For the last 4 month bank has messed with : 1. My last name. I was not able to pay. They did n't respond & fix until I escalated an issue. 2. I still have incorrect last name in web app, as they ca n't do anything with it. 3. On XXXX I was not allowed to pay using ACH, only certified funds, because " You have paid too much ''. Yes I want to pay my debt in 1Y. I told that from the beginning. 4. Payment on XX/XX/XXXX was not partially applied towards principal even though I asked that ( " please use {$220.00} as regular payment for XXXX and {$1200.00} apply towards principal '' ). 5. I asked SECOND time in XXXX to do that the same manner. 6. In the middle of XXXX I found that I 'm PAST DUE. Even though I paid XXXX in XXXX, My regular payment is {$220.00} per month. My due day is XXXX of each month. My first payment was scheduled to be on XX/XX/XXXX. I keep track of all payments in XXXX file. Specifically to track this kind of fraud from banks. So these are my payments ( I have not included transaction numbers, but I have it ) : Date Amount Transaction No 1.XX/XX/XXXX {$1000.00} XXXX 2. XX/XX/XXXX {$1000.00} XXXX 3. XX/XX/XXXX {$1000.00} XXXX 4. XX/XX/XXXX {$1000.00} XXXX 5. XX/XX/XXXX {$500.00}? ( did n't write ) 6. XX/XX/XXXX {$1500.00} XXXX 7. XX/XX/XXXX {$1200.00} XXXX I always ask to use money following way : what is exceeding regular payment should be applied towards principal. The last payment made on XX/XX/XXXX was not applied at all towards principal. So I wrote SECOND time in XXXX. First, I 'm 99 % sure they EITHER did not apply {$220.00} for the last payment of {$1500.00} ( the one I asked to be even though I requested that ) OR possibly they applied it TWICE towards the same month XXXX. The last 1 % - I made a mistake and asked something incorrectly. For that last 1 % - bank has not notified me at all that this will happen. In addition to that, they said I 'm 19 days past due. Even though I paid on XX/XX/XXXX, which is 12 days past due! This is surreal and unacceptable. This all looks like fraud.
My complaint is in regard to Navient ( formerly XXXX XXXX ), the lender that allowed me to take out loans in order to attend college ( The XXXX XXXX of XXXX in XXXX, Pennsylvania ). Since XX/XX/2015, I 've been writing to Navient to negotiate a new payment plan I can afford since I 'm currently unemployed. I requested that they only contact me via mail, to not contact my cosigner and to consider releasing my cosigner from my account. All letters to Navient have been sent certified and I know for certain they received them because they did respond to me in writing. Since then, my cell phone has been called at least once every day from numbers with different area codes that a web search shows to be Navient. In addition, Navient has written to my cosigner and threatened to report them for delinquent payment of loans. I would like to know if Navient is violating the Fair Debt Collection Practices Act when they proceed to do everything I requested that they not do.
Experian refuses to investigate or correct reporting on my report for dell financial. they will not allow me to dispute it when I try and it is showing a balance when it should notit was discharged in a ch XXXX bankruptcythey also have XXXX other accounts showing a balance that I could dispute that were also included in the ch XXXX they have not replied with answers to these alsothey are XXXXI have attached the credit XXXX showing they were listed and the copy of dicharge
I am afraid I responded too superficially to XXXX XXXX ' memo and I would respectfully like to change my response as follows. This new complaint regards the previous CFPB Case No. XXXX and concerns my home at XXXX, loan ending in XXXX. 
The law firm of XXXX XXXX has sent me a very large memo with exhibits numbered XXXX After reviewing the memo carefully, I would like to respond as follows. 
1. Yes, I would like to remain in my home, which I built, and would like to obtain terms of a loan modification such as was offered to me in XXXX XXXX. 

2. Yes, I wish to be granted a very good modification from BofA for the rental home in XXXX XXXX in return for the horrible experience they have put me through by wrongfully foreclosing FIVE TIMES in a row, and arbitrarily rescinding a settlement I obtained legally from the bank. 

3. There are many inaccuracies in the firm 's report. First, I was never declined because I failed to submit the necessary documents. BofA 's requests for documents were couched in terms that are perhaps ambiguous " we are missing the required documents '', etc. But if you carefully review exhibits XXXX and XXXX you will see that the documents requested are always different documents in each request letters. As part of the process, the agents constantly asked for new documents, and I always provided them on time. The letter in exhibit XXXX is especially incorrect as indicated in my log below since it was your agent who was absent at the conference call she scheduled with a BofA bank agent in XXXX XXXX where I took all my documents. You can ask agents XXXX, XXXX, or XXXX, they will tell you I was always on time, always diligent and organized. Please read these my log carefully to dispel this idea of decline letters due to " missing document, '' you will see that the process went on because if anyone was reliable in this process, it was me. 

4. I would like your firm to explain to me how I could possibly be denied a modification because I was making payments still in XXXX, to being denied a few months later because of my inability to make payments [ XXXX XXXX, exhibit C ] XXXX. I would like to point out that the attorney I hired to understand the " offer '' you made in XXXX XXXX, actually laughed at your offer which gave me a 4 % interest for only one year, then went right back up to 7 % after a few years. It was a useless exercise, since this was a COUNTRYWIDE NEGATIVE ARM LOAN which went up by {$110000.00} as of XXXX XXXX. 

I am attaching the summary of my problems, a log of my communications with the bank, and a list of my questions with specific reference to items in your response or in my questions. PLEASE NOTE THAT ITEMS # XXXX, XXXX, AND XXXX IN MY LIST OF QUESTIONS ARE OF PARTICULAR RELEVANCE AND IMPORTANCE. I appreciate the chance to discuss these matters in detail with you, XXXX XXXX
US Bank notified me by email that they would eliminate the Bonus Award Nights benefit as of XXXX XXXX, 2015. I 'm unhappy about losing the Bonus Award Nights benefit because the main reason I applied for a XXXX XXXX XXXX Rewards Visa Signature Card with paying an annual fee of {$75.00} was to get the bonus award night benefit. I decided to call US Bank and explained to them the situation. They 're unwilling to help me nor did they give any compensation for eliminating the bonus award night benefit.
The consumer reporting system that verifies checks are bank accounts has outdated information from 1996 and continues to report to companies but fails to let me know what they are reporting. I have recieved a notice to contact the company for questions but they REFUSE to give me information on what is being reported and WHY.
Due to family illness I was unable to submit the annual occupancy statement for XX/XX/XXXX until XX/XX/XXXX. For efficiency I faxed the form to the fax number listed on the letterhead of the Champion Mortgage form. Three months later I received another request for the same form. I called the company number on the letterhead of the form and was given a different fax number and faxed a copy of the form I had faxed on XX/XX/XXXX. After receiving letters threatening foreclosure I sent by certified mail for which I have a signed receipt the original document which I had faxed in XX/XX/XXXX, a letter stating why I had been unable to submit the form on a timely basis, copies of XXXX utility bills and XXXX DTV bills. The receipt was signed on XX/XX/XXXX. Approximately 3 weeks later I recieved anothher letter suggesting I seek counseling for the pending foreclosure action. This time I called and was told there was no record of receiving the information which I had 1, 2mailed. On XX/XX/XXXX I faxed all of the information I had sent by certified mail and a copy of the signed receipt for the certified mail. On XX/XX/XXXX I spoke with the lady I had spoken to the day before. She confirmed receipt of the documents and told me that I would be contact by someone in Document Support to verify that that department had everything they needed or be informed of what other information that would be required. Today I received a call from a different person who stated that they had only received the occupancy statement. PLEASE HELP ME before this matter moves to foreclosure.
When I obtained a mortgage for my XXXX, NY home in XX/XX/XXXX Citizens Bank escrowed both the homeowner 's insurance premium and the taxes. In XX/XX/XXXX, I decided that I wanted to procure my own insurance. After spending almost two hours on the phone with Citizens mortgage and insurance departments in XX/XX/XXXX, I was told I my mortgage would no longer be escrowed and I could procure my own insurance which was due to be renewed on XX/XX/XXXX. I did so and have been paying my insurance broker directly for insurance the last two years. I have just learned that Citizens has continued to collect money from me and purportedly escrow it for homeowner 's insurance premium. I called today to rectify the problem as Citizens owes me approximately {$6000.00} in premium and is overcharging me every month for escrow charges in my mortgage payment. I initially spoke with XXXX in the insurance department ( XXXX ), who was very concerned about the situation and tried to be helpful. She verified from the bank 's notes that my insurance should have been taken out of escrow in XX/XX/XXXX, but she said she had to work with the mortgage department to rectify the situation and refund my two years of premium. When she conferenced in " XXXX '' of customer service, I was given a completely different story. XXXX told me that I was supposed to send in a letter in XXXX putting my request in writing, that I never did, that I had no right to have my insurance taken out of escrow, and that even though I paid my insurance premiums for the past two years I had no right to have them returned. " XXXX '' refused to give me her name and refused to allow me to speak to her superior. She also refused to document the phone call in writing. The only identifying information she gave me was that her employee " number '' was " XXXX ''. Also, upon further inquiry, I learned that she is located in Virginia. She told me the " only thing she could do '' is send a written request that my insurance be taken out of escrow ( even though technically it obviously has been out of escrow for two years ) but that there's no guarantee that the request would be honored. She said the written request would take 30 days to process. She said if the request was honored, I would have to pay a fee ( " to be determined '' ) to take my insurance out of escrow. When I asked if Citizens would return the premium I paid, she said that " I wasn't listening '' and that I had no right to it because at the onset of the mortgage I had contracted to put my insurance premium in escrow. 
Finally, I informed XXXX that I received recent correspondence ( dated XX/XX/XXXX ) from Citizens requesting proof of my homeowner 's insurance insurance and indicating that " Per our records, you have elected to pay your insurance directly, rather having it paid for you through an escrow account. '' I asked how she could reconcile that letter with her position that I had never properly removed my insurance out of escrow, and she had no answer. I have uploaded a copy of that letter.
Last week I used my CITI card to pay for care for a cat at the XXXX XXXX XXXX XXXX ( XXXX ). On Monday, I received another bill from the hospital in a different ( and slightly higher ) amount. What confused me was that the second bill indicated that I had n't paid anything on my account. So, I went to the CITI website and found that, indeed, I had paid them. What shocked me was that, in addition to the amount they had said I owed, there was a pending charge of {$430.00}. I can only assume that this fraudulent charge was placed on my credit card to insure that I paid the second bill. I wish to lodge a complaint, not against the credit card company who responded quickly to my complaint, but against the XXXX XXXX XXXX XXXX for using my credit card without my permission.
I am a student, it would make sense to defer my payment while I am in school. The only so-called deferment offered to me involves " interest only payments '' based on the interest bills provided monthly. Payments received during the deferment period will be applied to accrued and outstanding interest and then to my principal balance. I used to pay around 700 $ monthly before deferment. In my first three month of deferment from XX/XX/XXXX to XX/XX/XXXX, I have paid roughly 550 , 500 , 730 , and 420 $ respectively on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX! THEY CALL THIS A DEFERMENT? This is a total rip-off! I need to resubmit all the paperwork every three months because there are no options to submit my documents for an entire academic year and I lost the chance to do so in XXXX because the school was closed from XXXX  XXXX. I submitted a second application in XXXX  XXXX which was approved on XX/XX/XXXX. Being more cautious and proactive, I made a call asking if I am gon na need to make an interest payment by the XXXX XXXX XXXX informing them that my account shows " zero '' due amount. I was told they are calculating my interest amount and that most likely I would not need to make a payment and if I do they will notify me within a reasonable amount of time in advance ... and I get a message on XX/XX/XXXX that I need to make a XXXX $ payment on XX/XX/XXXX. They do not even have the decency to notify you in time. This is the best example of a terrible customer service. I am spending more time worrying and handling my student loan that focusing on studying. Had I known they are so defective, I would have never signed up for their services. I will look into changing servicer.
I send certified letters for the past 4 months, asking for verification of unverified accounts listed on my credit report. I have demand in each letter for copies of the original contact with my signature or immediately deleted the unverified account. 

Despite my requests, the unverified items still remain on my credit report and this is in violation of Federal Law and my rights. I have not received any original contacts from the credit agency and by law is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of credit agency investigations, it stated in writing that agency " verified '' that these items are being " reported correctly ''? My question is, who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

please note, if you need copies of the letters send, please inform my by email. 

thank you
on or about XX/XX/17 this credit card was opened in my name Fraudulently in my name. I spoke with this company on several occasions with no avail to take care of this collection charge off debt in the amount of {$500.00}, I preferred to work with this company directly in resolving this matter but due to lack of response I have no choice but to sue my final attempt per my attorney under FCRA regulations.
For the past two years since XXXX 2015 I have been written to the three credit union 's Equifax, XXXX and XXXX, in regards to XXXX XXXX XXXX, XXXX and XXXX having an account in my report. These are not my account, the debt collector 's has not been able to validate the account 's neither has the credit union. these account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I sign any legal document with my signature binding me to a contract with XXXX or XXXX XXXX XXXX. 

The credit union have been informing me I have to speak to the debt collector 's the debt collector 's tells me I have to request the deletion of my account from the credit union.
I leased a vehicle from   XXXX   XXXX   hyundai in  XXXX  of   XXXX   on or shortly after the  XX/XX/XXXX . I began having financial troubles with this lease and contacted them to see if I could get a later due date other than the  XX/XX/XXXX . They ( Hyundai motor finance ) suggested going back to the dealership and ask if they can draft another contract that reflect a later date and would go forward from there. After numerous payments in excess of monthly amount ( that I did not get a copy of ) {$570.00} is what I 'm told is my payment on the ( hyundai motor finance  App )  both copies of the lease that I have indicate different amounts. attached are numerous pictures of contracts due to the size of the forms and screen shots from the hyundai app.In essence the lease was told to me that changing the date is not likely and if it was the amount would be prorated indicating that I would have to pay more than already paid.Also paying for a maintenance contract ( was n't given  ) {$1500.00} and a service contract ( was n't given ) {$250 0.00} that i had a discussion with  XXXX   XXXX  after recieving her email regarding lease vehicle mileage. we spoke about the differences in lease contracts mentioned earlier and made copies that she was submitting to the general manager of  XXXX  hyundai who took over from  XXXX   XXXX  and lastly just yesterday service was told that the oil change was not covered with being told by finance rep  XXXX   XXXX  that I was only covered for  24,000  miles  ( n o contract given to reflect this information ) i.e servicecontract or maintenance contract. please feel at liberty to contact me for further information upon review of this compliant.
i had filed a debit card dispute regarding a charge of an extra {$250.00} that i was charged from a hotel that i stayed at, they had given me a provisional credit and then a few weeks later sent a letter to me saying the credit was final. A few weeks after that they sent a letter to me that looked a third grader wrote it, stating they were taking the money back and gave a blank date on when the funds were going to be removed. i tried to discuss this with them but only got offshore customer service which was no help. I would like them to honor their word and give the credit back
I attended XXXX XXXX school in XXXX Georgia. The program lasted XX/XX/XXXX through XXXX of 2014. I graduated in XX/XX/XXXX and have been paying Sally Mae XXXX $ per month ( I was set up on automatic payments ) Last month my automatic payment went from XXXX $ to XXXX. They did not notify me of the change and my checking account is now overdrawn with around XXXX $ in overdraft fees. I called Sally Mae and they said my payment is now XXXX. I told them that I was not working in the field I was trained for and that I could not pay that much a month ( that amount is more than my rent and car payment ) I can not pay that amount and be able to pay my rent or buy groceries. I asked if the payment could be lowered until I get a better paying job which I was trained for. They said no. I told them that I was not going to be able to pay my rent this month. Finally after talking with a " manager '' I was told that for XXXX bucks they would credit my acount the XXXX. That was over a week ago and they have not credited my account. I am still overdrawn at the bank and at risk of being evicted from my houde because I am negative XXXX in my checking account. Not only is Sally Mae unwilling to work with me and lower my payments to something affordable until I get a better job, they lied to me and have not refunded my money so I can pay my rent and utilites. I just want them to work with me and do what they said they would do so I can get back on my feet, be assured that I have a place to live, so I can actually keep my job and pay my bills.
According to the previous mortgage statement the PMI has deceased but Wells Fargo informed me with an incease monthly payment. Wells Fargo reported to the credit bureau inaccurate information regarding the mortgage account. According to Wells Fargo customer services representive and credit bureau money schedule to be paid at the end of the mortgage. Additional information for the case I previous filed.