WillisBack/dataset-financial-user-claim huggingface dataset:
Residential Credit Solution ( RCS ), a mortgage servicer, placed forced-placed insurance on my property. I do not have a mortgage or loan with this company ; they have no standing to place any type of insurance on my property. The rule on Force-Placed Hazard Insurance became a final rule effective XXXX XXXX, XXXX ( H.R.4173, the Wall Street reform bill entitled, " Dodd-Frank Wall Street Reform and Consumer Protection Act '' ). Section 1024.37 entitled " Forced-Placed Insurance '' - prohibit a servicer from purchasing force-placed insurance if the escrow account contains insufficient funds to pay for the borrower 's hazard insurance. RCS sent me a letter dated XXXX XXXX, XXXX with a copy of the evidence of insurance stating coverage begins XX/XX/XXXX. None of the forced-placed requirements were followed. Again, I state, RCS has no standing, I have no mortgage or loan with this company. My original lender was XXXX XXXX XXXX XXXX and I have a Release of Lien filed in the XXXX County Clerk 's office dated XXXX XXXX, XXXX. XXXX has caused fraud of title, fraud of credit, and fraud of trespass of title.
A couple of months ago, I started receiving calls from a woman named    XXXX   at   XXXX   XXXX   XXXX   XXXX   XXXX   regarding an auto loan debt from 2012. She told me that  she would come after me for a garnishment and was in general rude. Then o n  XX/XX/XXXX ,  I received a call from her regarding my question of payment arrangements. She told me " she said she would get me garnished '' and that I should " file bankruptcy and quit whining ''. I hung up with her and called back to speak with someone else. I was able to speak with an attorney who told me that she did n't really say that.   Every interaction with this woman has been intimidating and threatening. I explained I had n't heard anything about this debt in years, since I moved to my apartment  3 year s ago. She said she knows, but they sent me some notification about a judgeme nt 4 years ago. I explained I do n't have this paperwork, never received it. I was accused of just avoiding paying.
Last year ( some time in XX/XX/2017 ) my & my son 's SSI # 's were compromised when we went thru HUD to try for a home. Since that time we were given a years free reporting from the 3 agency 's. Experian has taken it upon themselves to check my credit sometimes 5 times monthly & say its not effecting my credit yet in those months it has brought my score down by at least 28 points everytime!

They also have told me I should Not pay off my credit cards on time as this hurts my credit?? The kicker was yesterday they dropped my credit score by 45 points! When I asked they said it was because I paid off my credit card too soon? What is wrong with these people? 
My son has a XXXX card, racks it up just to gets points & pays it off monthly, Nothing like this is happening to him. 
I did report this to my local Office of the Commissioner of Financial Regulation. As you will see they sent a letter stating I gave them almost unilateral permission to use my credit anyway they choose. I did not.

What I desire is for them to apologize and stop. This is messing with a ( what was a XXXX ) credit score in XX/XX/2017. 
By the way, I have called them, I have tried filing disputes, and now this is what happens. 
Sadly if the other two follow suit this will really hurt my credit There are two more pages ( I do hope the other 's made it to you ) That just won't copy. They are from XXXX XXXX @ Division of Financial Regulation XXXX Md. Re : # XXXX. I hope you can get the information from that office
My mother had used my social security number to have electric turned on at her residence ( dates im unsure of ) between XXXX XXXX XX/XX/XXXX. I believe somewhere in this time frame is when the fraud had taken place. she did this XXXX separate times. I had NEVER given her permission to use my personal information for her home services. Now that i am married and have XXXX children and we are trying to clear our credit up and do the appropriate steps in order to eventually buy a house and start our life its impossible right now with all the debts i owe that were never because of me. she has made it impossible for me to have a bank account without having crazy stipulations. Also she has used my social at her place of employment for about 2-3 year so it looks like a worked there and then claimed my daughter in those 3 years on income tax. she was able to use my social because he has it memorized just like she has with all my other siblings. My sister is dealing with a few of the same things i am dealing with now due to my mother having stole and used her identify unlawfully. so moral of the story she has stolen my identity and has put a lot of debts into my name that i myself have never done.and now i am looking for help to resolve this issue. i have filed police reports and im trying to figure out where to go from there.a police officer has emailed me this link in order to start the process started.
I am a victim of identity theft and I have unauthorized and fraudulent inquiries listed on my Experian credit report. The following inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX
Hello Caliber home loan managers, I am writing to request your assistance in escalating, appealing, and review of a shortsale application that is before XXXX XXXX, representative, on the Res.Net. portal.
I have been working over six months to get to a point where there can be an amicable resolution, but I frankly believe that the offers and the willingness to resolve the matter are being acted upon in good faith.
The borrower is deceased and the executor to the property, XXXX XXXX, is attempting to complete the shortsale. The mortgage is in foreclosure at this time with motions and cross-motions pending before the court.
The original mortgage was about $ 305k,  however, with the arrears, the total payoff is now $ XXXX. I have submitted a top offer of $ XXXX to the rep. who declined that offer today and demanded the XXXX payoff. That is NOT how shortsales work. The shortsale buyer is not an investor, but an end buyer who will reside in the property. Prior getting to this point, XXXX XXXX, not knowing what the payoff amount was and having no idea of the location of where the property was situated demanded $ XXXX after a BPO was done. I disputed that value and submitted repair comps. The investor then approved a demand for $ XXXX.
However, when I pointed out to XXXX that this demand is higher than the payoff, he then followed up with a request for the total payoff amount. I explained that the buyer is making an offer of over 70 % of the arrears and is an end buyer who can not qualify for more funding. The buyer is the Executor who wants to keep the property within the family so that she, her brother 's kids, and sister can live there.
At this point, I am frustrated with the responses and the process that I believe to be deceptive. XXXX has been very closed off in providing information and generally not explaining why the counter demands remain unreasonably high.
I urge you to step in and assist me in this process as soon as possible. Specifically, I would like XXXX XXXX XXXX to be taken off the review of the file. Another party needs to and should be assigned.
Thank you.
NOTE : The Executor, XXXX XXXX, is an retired veteran, served in the XXXX XXXX She currently is employed as a correction officer.
-- -- -- -- -- -- - RES.NET INFORMATION FOR SHORTSALE Master Client : Caliber Home Loans Client : Caliber Home Loans Subject Property : XXXX XXXX XXXX, XXXX, NY XXXX Property ID : XXXX  Due Date Assigned Date Task XX/XX/XXXX XX/XX/XXXX Submit Short Sale Request* *This task requests a document required for sale to be completed and you must log in to complete this task.
XX/XX/XXXX XX/XX/XXXX MLS XX/XX/XXXX XX/XX/XXXX Property Assessment Task XX/XX/XXXXXX/XX/XXXX Homeowner Financials* *This task requests a document required for sale to be completed and you must log in to complete this task.
Called CitizensOne to request removal of PMI after viewing XXXX % LTV on mortgage statement website. We received denial letter because " Loan is not at XXXX % LTV '' letter states " XXXX Appraised value and current XXXX balance which is XXXX % LTV. Also instructed to bring balance down to $ XXXX which is XXXX % LTV?! '' When we questioned CitizensOne the rep said the XXXX is a mistake and they need to use an AVM from earlier the same year. They also said I would need to provide the full XXXX appraisal, which had already been used as a means of denial for PMI removal. 
The same letter also stated that I could order a new full appraisal at my own expense, from XXXX ( and only those XXXX ) companies. Research shows several fraudulent cases on both companies specifically centered around housing appraisal fraud. 
I do not feel comfortable, and i feel I am being forced to use XXXX of these XXXX MORTGAGE COMPANY suggested appraisal companies. 
Multiple phone calls have yielded phone calls and voice mails, each with more incorrect data. We also have copies of XXXX conflicting voicemails regarding the same loan with different amounts as balances. We are going off the letter from Citizens One, which reflects the closest to our online statement. 
Customer service rep also made remarks about me being an XXXX and that this seemed " suspicious '' I explained I was not an XXXX at Citizens or a subsidiary for several years now.
I use XXXX to buy cryptocurrency and every time I make a purchase XXXX tells me that TD Bank blocked the transaction. I 've tried purchasing Litecoin 4 times already for the amount of {$200.00} each time and it 's blocked every single time by TD Bank.
My loan originated with XXXX XXXX XXXX and after several years was sold to XXXX XXXX. In XX/XX/XXXX it was transferred to NationStar Mortgage and on XXXX XXXX I sent them the following inquiry ... 
" On XX/XX/XXXX XXXX Mortgage Services transferred the servicing of my mortgage to Nationstar. I received a letter from Nationstar in XX/XX/XXXX stating my account was paid ahead and not due until XX/XX/XXXX. It also stated, " If you wish to leave your account paid ahead as is, you do not need to do anything. However, if you wish to have your extra payments applied towards your principal balance, please contact us at XXXX to speak to a Customer Service Rep regarding how you would like your funds applied. '' I called the number and spoke with XXXX who proceeded to tell me that my XXXX payment was all applied to principal and all other payments between then and XX/XX/XXXX would be applied to principal. I have yet to understand why that would happen, but I continued to pay a monthly {$480.00} payment and was happy to have it reducing the outstanding balance. Now I have passed the magic date of XXXX and my monthly payment due of {$440.00} is reflected on my statement. I have continued to make a monthly {$480.00} payment with the additional {$31.00} to be applied to principal. Now I need someone to explain to me why only the additional {$31.00} is the only amount being applied to principal. Before Nationstar my monthly payment was applied to interest then principal. Since the principal balance was reduced by XXXX {$3800.00} between XX/XX/XXXX and XX/XX/XXXX, there should be a little less interest accruing each month ; therefore, more of the payment being applied to principal. " Subsequently I received a reply stating, " Due to the nature of your request, we ask that you please call us directly so one of our Customer Service representatives may assist you. Please call XXXX XXXX XXXX XXXX. '' On XXXX XXXX I called the number provided and spoke with a woman who, after conferring with someone away from the phone, told me the payments were being applied as such to catch up the outstanding interest. I replied to her that could not be accurate and requested to speak with someone else. A man eventually came on the phone and after reviewing several of my past statements and running some calculations, agreed that something was not right. The statements for the amount due provided a breakdown of principal and interest ( i.e. Principal {$100.00}, Interest {$340.00} XXXX, yet my payments were being applied as stated above. He told me he would have to take the situation to a higher power and would call me back with an update. He did call me the next day and left a message that the situation was being worked on and he would provide an update later. I have reviewed my transaction history several times since his message ; seen no changes or adjustments and have left three voice mail messages at the " direct number '' he gave me. My most recent payment due XXXX was posted on XXXX in the same manner as the previous two ; all to interest except for my additional payment to principal.
We locked in a closing date, and were informed by our realtor ( not Quicken, our lender ) on the day of close that our date had been postponed. So we had to scramble to find housing as we sold our house on the same day. We had to turn in a form saying that we had n't taken out new credit. 
Then, our lender, because they postponed our close date, can change our origination fees because our rate lock expired. So now our origination fees and closing costs have increased almost $ 3K from our original GFE. Our seller is anxious and ready to drop the deal. We do n't have a home and now may not be able to close. 
It seems as though Quicken postponed the close date in order to up their fees to us. They did n't communicate the change in close date to us in a timely fashion ( or at all, we had to contact them to confirm ) and then their fees and rates changed in the days following the original close date. On the 'new ' GFE, they held the interest rate and made us pay points without informing us before we asked them for the HUD form. Fishy and fraudulent at best.
The state of Maryland has never authorized payday loans. Money Key is in violation of Usury Laws in Maryland and because of this violation I Am not obligated to pay Money Key. Money Key has harassed me constantly since the day the illegal payday loan account was opened. Money Key is threatening to sue me in civil court in regards to an illegal payday loan. I 've paid {$110.00} in fees/interest. Also Money Key has a regular finance charge fee on my statement and then " other charges/fees '' is also listed on my statement. Money Key does not explain what " other charges/fees '' means or where it comes from. I was charged {$30.00} for each {$100.00} of your average daily principal balance and also {$15.00} for each {$100.00} of my average daily principal balance. Money Key tries to illegall lend out money and hide under the guise that they are a " Line of credit '' but it clearly states on their website " Payday Loans ''. When you search for Payday Loans, Money Key is the first to come up on search engines. I have tried to negotiate payments with Money Key but now they are threatening to sue me for triple the amount that I owe them.
Received a letter from Receivable Management Group , Inc. claiming I owe money for an outstanding medical bill for the amount of {$57.00} in which it was paid in full two months ago.
This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a mortgage, which was highly embarrassing and has negatively impacted my lifestyle. 

With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed as soon as possible. 

The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX - Account # XXXXPlease delete the above information as quickly as possible. 
With Attached proof you can see that XXXX XXXX has:1. Changed the account number from the number that is listed on my credit report2. XXXX XXXX is trying to verify an address I never lived XXXX. XXXX XXXX has failed to verify that the account was mine as stated in letter4. XXXX XXXX has no record of application5. XXXX XXXX has failed to remove account after reported identity fraud with fraud reort attached as evidence
Navient never sent me bills via mail nor email. I finally contacted them after I noticed my credit score took a dive. I was under the impression that I was on forbearance. Once I placed the call to get it straightened out, they took my address, email address, and phone number claiming they had no information, only my name. How could I possibly get a loan without at least a physical address? They also told me that they would correct my account. Today I looked at my credit report and it took another nose dive because Navient made another report saying I haven't been paying. This company is destroying my credit.
I have a AAdvantage credit card with CITIBANK. XX/XX/XXXX, I took a Balance Transfer offer, for which I paid a fee of XXXX % over the amount of the transfer and have until XXXX/XXXX/XXXX to repay the balance transfer without interest. 
I have since then been paying in full for all new purchases made in the month included in the statement plus an extra amount to repay the balance transfer ahead of the XXXX/XXXX/XXXX interest free deadline. However, CITI is charging an interest over the new purchases made in the month included in the statement because while I am paying in full the new purchases, I am not paying in full the new balance that includes the Balance Transfer ( although I supposedly had until XXXX/XXXX/XXXX to pay it back ). 
I was just on the phone with CITI and they claim that this was disclosed as part of the Terms of the Balance Transfer offer, and probably it was. However, that means that the Balance Transfer offer was deceiving to say the least.
My account was overdrawn on XX/XX/XXXX and an overdraft fee of {$35.00} was levied. There is no complaint on this fee. However, once I discovered that the account was negative I went in branch to fix the issue and make the account current. In branch I was told that they could not accept my check as a checking account deposit. They said that it had to be deposited into my savings and transferred into my checking. After the deposit I was informed that the funds available on the deposit of {$2000.00} was {$400.00}. I was told the account was positive and that the remaining funds were available to me. On Tuesday morning over {$140.00} in o/d fees were levied against the account. Wells Fargo 24hr Banking informed me that they would only waive XXXX fees ( {$70.00} ) and that I would be forced to pay the remaining XXXX. I do not have a continuous o/d history with Wells or a habitual o/d problem. These fees are a result of branch misinformation and the fact that my deposit was put into my savings account per the branch teller and manager 's decision. I was on the phone with 24hr banking for over an hour with reps and manager XXXX XXXX in the call center based in XXXX. I was refused waiver of the additional fees. 

These fees are based on misinformation and errors from Wells Fargo, despite this Wells is unwilling to reverse the transactions. I was willing to pay the fee for my actual o/d incident on XX/XX/XXXX ( {$35.00} ) but these additional fees are not my responsibility and compared to other retail banks are VERY high at {$35.00} each. 

I informed Wells Fargo that I am a recent graduate and relocated and that my funds are needed. They still will not reverse the fees based on their error. 

This is very upsetting. I just want my {$70.00} back. Please help me.
On XX/XX/XXXX I was granted credit of {$2500.00} by Carecredit/GE Money. I made four additional transactions of {$1400.00}. Based on high monthly due minimum, after eight years of steady payments I look confident to have paid off this credit. But, every month I see this credit increasing due to crafty billing by Creditor. For example : they charged systematically high so-called Interests on Purchases even when no transaction was made in related billing circle. Moreover Carecredit lured me to sign four years ago a program called ACCOUNTS SECURITY PROGRAM which charged my account of {$36.00} or more a month. I was told the program main purpose was to help credit holder compensate monthly due minimum payments in case of sick leave or jobless time. Just a big lie! Because when I recently moved from XXXX to XXXX and while I am still jobless and struggling to settle here, I wrote several times to Carecredit and Synchrony Bank to claim they activate benefit of my account Security program during this jobless period, nothing. Instead they have not only jeopardized my credit score but also connected all my phones to debt collectors who are, as of today, harassing me by calling any time 7X7 days. In the light of all of above, from XX/XX/XXXX I finally stopped paying monthly due minimum unless this creditor provide me in writing complete credit account billing and payments history from XX/XX/XXXX to XX/XX/XXXX to help me know how much I so far paid compared with current balance credit.
I have called twice to XXXXXXXX XXXX requesting an explanation and a copy of the transcript of how I was authorized a credit card without my approval. Because of XXXX authorizing a balance transfer without my approval, my credit score took a significant hit due to 100 % utilization on the new card. I was made aware of the negative impact to my credit score, to my surprise, when I applied for a loan for a new property.
I used the GI bill for college funding. It was claimed that I was overpaid {$1600.00} and the account went into collections. I disputed the debt with XXXX, Transunion, XXXX, and the VA. I paid the debt to the VA not as admission or ownership of the debt but to salvage my credit. The result of the dispute was that the reporting would stay. I do not dispute the event, rather the legality of reporting a non-consumer finance debt in which there were no provisions, terms, or rates agreed to. 

The 2015 CRA settlement language reads " Do Not Report debt that did not arise from a contract or agreement to pay '' This was not a consumer finance transaction and therefore should not be reported to CRA 's as a loan or anything else. There is no document in which I signed or consented to this debt. There is no explanation or verification of the debt.
FCI Lender Servicing in violation of CA HBOR and RESPA X. On XX/XX/18 spoke with the CEO of FCI Lender Servicing who states he would not let me modify or short sale and just wanted to kick me out of his house so he could sell it himself at auction. FCI is operating as a foreclosure mill which are illegal in CA. Furthermore CA HBOR requires lenders and services such as FCI to help homeowners avoid foreclosure which FCI refuses to do. A deed in lieu is still a foreclosure. FCI by law must allow the ability to short sale my home. The end result is the same there should be no reason to not other than FCI is looking to charge it's investors unnecessary foreclosure fees. The operations of FCI needs to be investigated by the CFPB and other regulatory agencies to see how many other homeowners rights are being violated. RESPA requires FCI to  allow me to avoid foreclosure and provide an answer in 30 days. XXXX XXXX whom FCI as acquired the loan from has advised me that my request to avoid foreclosure has been delayed by FCI because they have no desire in helping me, they just want to act as foreclosure mill and foreclose on me.
Deposited a check under {$5000.00} into my Chase bank account and the funds are being help for 7 business days. None of the requirements for an extended hold are met to justify the extended hold and they did not make the first {$200.00} from the check available.