WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I was looking for a bank that offered first time home buyers program and I saw an advertisement from EverBank that they offer such program. I called XXXX XXXX Mortgage Loan Officer XXXX # XXXX. I emailed all my husband 's pay, tax info and my daughter 's social security information. After submitting all our information, if was extremely difficult to contact her. I sent out email, and left several messages on her answer machine with weeks would go by and would n't here from her. I had to call main office and have them contact her. When I finally contact her, XXXX XXXX said she needed a letter from social security stating that my daughter will received benefits for the next three years. I went to security and told them what XXXX XXXX wanted, I was told by security that they will never write any such letter, that and XXXX XXXX needs to real their website rules and regulations on social security. We were unfairly denied a mortgage. We went to another lender and was approved for a loan using the same social security information. XXXX XXXX treated us unfailly during this whole process of this application.
I have a mortgage with Caliber Home Loans ( Account XXXX ). This Bank and prior banks are changing from Bank to Bank my account. I would appreciate if you help me to send to XXXX Bank. In XXXX Bank I have my checking account and is easier for me to pay my loans. I want to consolidate all my loans here. 
I also need your help to review my account in this Bank ( Caliber Home Loans ) because they are charging escrow amount that I am not agreed. 
Thanks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX
I noticed on my credit report that there is a collection account from Plaza Services in the amount of {$1200.00}. The account was opened on XXXX-2016. I have never had an account or contract with Plaza Services. I get several calls and text per day stating that I need to pay this account or I will be taken to court and sued. Also received a call from a lady stating that she would be sending someone to my job with litigation papers. I have told Plaza Servies several times that I do not have an account or contract with them and asked that they remove the information from my credit report and stop contacting me. To date they are still reporting and still contacting me daily.
XXXX filed a foreclosure complaint against me on XX/XX/XXXX and that foreclosure complaint was DISMISSED on XX/XX/XXXX, attached. We have made several complaints against XXXX & Ocwen with the CFPB in-regards to their ownership. There is no default to XXXX or Ocwen as they do not own the mortgage and/or note for our property. In XXXX of XXXX, XXXX/Ocwen prepared a settlement offer for {$260000.00}. We were approved and then later denied a home equity loan from XXXX because of title issues. We and our attorney made XXXX/Ocwen aware of XXXX issue via email. We also attempted to remediate this issue by filing a case # XXXX and a prior case # XXXX with CFPB. This matter has caused us serious hardships, please review and reopen my former complaints, along with this complaint against these agencies. 

XX/XX/XXXX XXXX reached a {$600.00} XXXX dollar settlement over charges of abusive mortgage practice and in XXXX of XXXX, around the same time we filed a complaint # XXXX with CFPB, CFPB sued Ocwen for failing borrowers throughout Mortgage Servicing Process. These agencies should be held accountable for filing a foreclosure action that was DISMISSED. If we would not of won our appeal we could of lost our home and been homeless. Please provided relief and assistance to ensure we keep our home and have them pay our attorney cost. They dont have standing and they dont have the right to foreclose. I have not been able to refinance or do anything for three years because they dont have any standing.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. Some items have come off however there are more that are not mine and has not been removed.I am doing this on my own behalf and really need help to get these items off my credit report.XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX Equifax : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifex : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX  Equifox : XXXX XXXX : XXXX XXXX : XXXX.
On XX/XX/2016 at approximately XXXX, my mother in law contacted me to tell me that a bill collector called her and threatened to take her to court and garnish her bank account over a bill that my husband and I owe. We have never put our mother in laws name on any bills that we have. She was hysterical believing that this would happen over our bill to her. She gave me the following telephone number XXXX which I called finding out the company 's name is Diversified Consultants. I asked them why they would call an individual who is not on our account and disclose personal information at which time I was told that the individual responsible would be reprimanded and that the phone number was taken off of the account. I asked them how they got her telephone number in the first place since she is never on our bills at which time I was told that the individual may have looked at different phone numbers to find a family member. I was then asked if I wanted to take care of the past due amount where I flatly answered no.
XXXX, XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DL Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX, XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I had fraudulent charges in my bank account totaling in excess of {$23000.00}. I explained this to my bank Capital One bank. The charges are all from a company called XXXX which they informed me is a trading company. I did not approve this account and they have no information where I signed any paperwork indicating that I opened an account with them. I told my bank Capital One that I lost my wallet in the summer of 2015. I did not say this is the cause of the fraudulent activity, I do n't know how they got my information and assume it was through some form of internet hacking or it could be someone who has my information. Although Capital One bank has not decided as to whether they will give me credit for this money, I need help as to getting a fair process as they sound a bit accusatory when I spoke to them on the phone.
Originally This account was handled by   XXXX   XXXX   XXXX  ,  XXXX  , in   XX/XX/XXXX , a t some point it was transferred to the Department of  Education/Nelnet Student Loan Servicer a nd was in deferred status bu t Nelnet say s that it was not in deferred status i n  XX/XX/XXXX ,  XX/XX/XXXX  a nd that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am  XXXX  of a small  XXXX , and have been working in and around the    XXXX   XXXX    XXXX   for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times sinc e  XX/XX/XXXX . F orward to   XX/XX/XXXX   the old account has been closed and a new account has been opened and is being paid to a new company called   XXXX   XXXX   XXXX   XXXX  , but the old account is still showing as derogatory and says to contac t Creditor. Right  now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my  XXXX ,   XXXX    and  XXXX  credit reports I get a new  black  eye. The last two attempts creditor wrote that I needed to get my  XXXX  Report after  a Hard Pull.
COMPANY : XXXX XXXX XXXX HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE ( EQUIFAX AND XXXX  XXXX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE THEIR FOUNDING INCORRECT
No contract about these debts. Never got a bill or anything from these medical agency that are more than 3 years old. Stop attempting to collect on fraud information and fraud medical services. They have NO contract. 

So the credit agency attempts to stalk, contact, email excessively. 

Please tell them to go away. 

XXXX http : //www.cbbcollections.comXXXX
I have XXXX finance loans on my account for auto loans from XXXX XXXX that I never applied for or authorized. I never needed an auto loan because I purchased a used vehicle with cash. I have an inquiry from Ally Financial Inc that I never authorized. I have an inquiry from XXXX XXXX. I have an inquiry from XXXX XXXX that I did n't authorize. I have an inquiry from XXXX XXXX XXXX XXXX that I did n't authorize. I have an inquiry from XXXX XXXX XXXX that I never authorized. I have an inquiry from XXXX XXXX XXXX that I did n't authorize. I would like to dispute all the above names from these credit agencies as I did n't give any of them the permission to access my credit therefore putting these hard inquiries on my credit report which will damage my credit.
Some details herein, attributable to employees of Mr. Cooper Mortgage, formerly Nationstar Mortgage, are contradictory and erroneous.On XX/XX/XXXX, at closing on the property at XXXX XXXX XXXX, {$940.00} was paid to our insurance co. for one year 's insurance.On XX/XX/XXXX, a {$940.00} was paid to our insurance co. ( Travellers ) By Mr. Cooper . They refunded the check to me and my wife. Our insurance company advised we return the check to Mr. Cooper. Cooper refused the check insisting my wife must write a check from her bank account. 
After tendering her check a Cooper ( Coopers are what they call their employees ) informed me that we have plenty of money in our escrow account now, so we could use the second refund check to make a mortgage payment instead of adding it to escrow. I approved, so {$810.00} was applied to XX/XX/XXXX mort. payment and the balance of the {$130.00} was applied to escrow.

Bad advice because the amount was applied to the mortgage payment and I got an escrow bill for {$810.00}. We sent the {$810.00} which was also applied to mortgage not escrow. Now, my monthly Mortgage bill is {$60.00} higher. There are only errors and many more than this.Everything is always wrong and too complicated for us to deal with. The Coopers claim everything is fine but EVERYTHING IS WRONG! I spoke with XXXX who apparently has no last name. A few acquaintances had their MR. Cooper Mortgages sold to XXXX XXXX. I want out! We can not keep up with constant errors and miss communication. They will say everything is fine .... every time ... but everything is a disaster and they will cause us to lose this house because everything is perpetually changing with cooper. I do n't think they lie. I think they are incompetent.
I was told I can qualify into re-financing my loan since I was months in advance in my payments. Wells Fargo Bank N.A . did not allow me to modify my loan nor did they allow me to do a reverse mortgage with Private Bank ... Wells Fargo Bank filed a foreclosure with fraudulent note ... knowing that the endorsement was created by one the attorney XXXX XXXX who works in the firm of XXXX XXXX XXXX, claiming to be vice president of XXXX ( XXXX XXXX Circuit Court No. XXXX ... Wells Fargo Bank N.A . entered into a XXXX XXXX in XXXX & XXXX allowing borrowers to stay in there homes in which I have lived for 32 years. They are not complying to the Consent Order. Illinois Appellate No. XXXX ... in which they stated they do not have to enforce a federal judgment order ... .Illinois Attorney General Office also received my complaint about the XXXX XXXX Judges not willing to enforce the Federal Consent Order ... in which I still have not gotten a complete response, as to why the Courts refuse to enforce .... The loan originated with XXXX which the bank continue to make withdrawals from my account after the note was endorsed and transferred to XXXX.
On XXXX/XXXX/16, I contacted a financial services company to request a personal loan. We processed the application and I was issued a disbursement check for {$3.00}, XXXX ; after which I deposited into my checking account. I recontacted the company within two business dates ( XXXX ), stating my intentions to cancel the loan and return the proceeds, citing a high percentage rate and my general feeling the repayment length was too excessice. I spoke with the Branch manager who assured me I could cancel the loan as long as I returned the entire amount initially advanced. Upon my arrival at the office, I delivered a cashiers ' check in the above mentioned figure and I was given a receipt. Upon closer examination of the receipt. I noted the Manager had posted the check towards the principle of the loan, rather than voiding the entire contract. I was informed since I no longer had the original check, my receipt was sufficient. I further add since I had a active account balance of {$1800.00}, prior to this new loan, the application paid off the existing loan and I was set up to make payments for four years, all totaling to over {$9000.00} plus. Since I returned the cashier 's ' check, the balance owing was now {$6000.00} plus. Once I voiced my dissatisfaction with their accounting tactics, I was reassured this figure would fall off with coming days. On XXXX, I opened mail at my home from this lender, and was horrified to see I was still listed as having a debt of {$6000.00} ; which I had specifically asked to cancel. I believed I was within my rights to negate the loan, since five business had not elapsed once I returned the cashiers ' check. Immediately I contacted the office and was told repeatedly, the manager would contact me via phone, which never materialized. After the XXXX holiday, I contacted the office and was reassured the loan app would be nullified, yet this has n't happened. Each time I try to impose my right for cancellation, I am told the {$6000.00} sum is being maintained for paper control, and I am only liable for the {$1800.00}. plus which remained on a prior balance. I contacted the headquarters of this company and verbalized my frustration and wrath in being forced to take a loan which I had clearly voided. Supposedly, the headquarters will investigate this matter within seven to fourteen days. Additionally, my duplicate set of the loan application was confiscated by the manager, so I do n't have actual documentation to contest their procedures.
I paid my account down in a large lump sum to decrease my utilization under XXXX %. Every time i make a payment the company reduces my credit card by the amount that i pay down. Its reflecting on my credit report as if i am maxing out my credit limit but i am not. I am paying it down and synchrony bank keeps reducing to show that i am almost maxed out., and they continue to do this without my knowledge. They do this overtime. I have been a costumer for over 5 years now with all my credit cards and have never been late on payment.
Capital One increased my rate on my card without a 45 day notice to give me the option to opt out of the new increase. I see hundreds of people on their XXXX site saying the same exact thing. How can they increase without letting consumers know in advance? Even the customer support rep I spoke with had no idea.
6 Months ago our home was detroyed by a flood. We can not receive assistance from FEMA because US Bank refuses to provide the documentation they require. They even deny putting the denial in writing. We can not even speak to someone to find out why multiple requests have been denied. I was promised a call today from a supervisor, but they are not available and have not called, in fact, I have never received a call back from US Bank despite assurances on dozens of occasions they would do so. We found out after the flood they had canceled our flood insurance, and were given 3 different explanations as to why. 1. FEMA redrew the flood zones 2. They were just doing an annual renewal. 3. They were evaluating whether or not the shop was going to be included in the policy. I believe all 3 excuses were lies, they did reinstate the policy but that took time to go through underwriting. I 'm pretty sure what they are doing is illegal. They did not send us a notice of the cancellation as required by law. US Bank insist the {$30000.00} in insurance money they have been holding since XX/XX/XXXX can only be used to repair the home. The home must be demolished, so putting {$30000.00} into it would be foolish. We have requested, as outlined in our mortgage agreement that we would prefer to have the insurance money applied to the balance of the mortgage. They have denied this request multiple times and never have provided an explanation as to why. We are living in a FEMA trailer in our front yard and are in danger of losing it because one of the requirements is that we show progress on rebuilding our home. We have not paid our mortgage since XX/XX/XXXX on the advice of our attorney. In XX/XX/XXXX US Bank said they could only apply the insurance money to our mortgage if our account was brought current, so we brought the account current and they still refused to apply the payments. I am at my wits end, it has been 6 months and US Bank is playing games and refusing to answer our questions. Please help!!
I set up recurring payments so that I would not forget to make my credit card payments. I had successfully made adjustments to this scheduled payment in the past and was NEVER informed it would take a month in order for it go through. I was subsequently charged a late fee and I was given a hard time when I called to explain the situation and have it removed. The rep told me that there was nothing he could do until I got very angry. He then said his supervisor could reverse it, which they did. He explained that this error was not my fault but I still had to pay the {$27.00} late fee as part of my monthly payment. I do not understand why this is legal? This left me with a total of {$120.00} to pay for XXXX and XXXX. ( even though it was their fault the automatic payment was not received ) instead of the regular {$45.00} per month payment. I can not avoid paying this because Synchrony Bank will charge me another fee for not paying the monthly minimum, which they have changed to $ XXXX.I had recently received a letter stating that although I have a great payment history with them, they would be lowering my balance from {$1600.00} to {$1400.00} due to my credit with other companies. When they lowered my balance to {$1400.00}, I was at the maximum amount of the card. Immediate after this, my scheduled payment conveniently was not taken from my account. I am not happy with this company 's policy I feel it takes advantage of the consumer and does not allow for the late fee to actually affect the monthly payment. I am seeking {$27.00} + interest from this company
Equifax mishandled my information through poor security practices which has put the majority of adults in this country at risk for credit fraud. Their handling of this breach and the lack of security preparations is disappointing. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Equifax should be held financially and legally responsible for every account and victim if any fraud occurs. The whole situation happened due to their poor security despite their knowledge that their information is critical to hundreds of millions of people. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
I contacted the company for a Home Equity Loan in early XX/XX/XXXX. They asked me for specific information including providing W2s, Paystubs, Mortgage statements, drivers licenses, homeowners insurance and additional information necessary to conditionally approve my application and forward to underwriting. They ran a `` Drive By Appraisal '' which I paid {$180.00} for and was significantly lower than the Market Comps ( appraised for {$390000.00} ). They asked me to send Market Comps and they would share with Underwriting - I also shared a full appraisal when I refinanced my first mortgage with XXXX XXXX last year which was appraised at {$420000.00}. I provided that last week and they are now not responding to any e-mails. I believe this company may be unfairly deceiving consumers to generate appraisal fees as a revenue stream. In fact, I applied for a similar loan with XXXX, and the process was streamlined and they ran a Desktop Appraisal which was consistent with the Market Comps ( {$440000.00} XXXX.