WillisBack/dataset-financial-user-claim huggingface dataset:
my complaint is against ocwen mortgage. I refinanced my loan XX/XX/XXXX. at the time I did not have my taxes and insurance escrowed. I sent the required documentation to get my taxes and insurance escrowed. this year I receive a late notice from the tax assessor. I call ocwen to find out whats going on since my statements clearly show that money is escrowed for taxes and insurance on my statements. first call states I do not have an escrow account, second call ocwen states I only have insurance taken out. I call my insurance company and sure enough they have not been paid. third call to ocwen I am told the money escrowed was for an advance on the insurance from the previous year. I never asked them to advance anything just collect taxes insurance for an escrow account. they claim they sent me a letter stating my escrow account was originally denied. I never received this letter nor did I ever ask for any type of advance on the previous years insurance. I was under the assumption that my taxes and insurance were being escrowed once the escrow started. in addition when I asked to speak to a supervisor I was told XXXX the supervisor would call me back. when I asked for his extention I was told I cant have it. it takes at least a day or two for ocwen to call me back each time I leave a message. I constantly keep getting different answers from them regarding the escrow account. I am not even allowed to speak directly to the escrow department. I am now in a position of have to pay {$1100.00} in taxes ( plus late fee ) and another {$1400.00} in insurance that all along I thought was being escrowed. I also asked ocwen to pay the taxes and insurance and set up the escrow properly. I received an email from them stating they could not because the taxes and insurance were past due. naturally they are past due because I was under the assumption ocwen was paying them. I would appreciate any help in this matter
My ex started up a XXXX account. For some reason the account is showing up in my name when I know for a fact my name wasn't on it. Or shouldn't of been anyways. Diversified has repeatedly called me, harassed me, and told me they will make sure my credit score gets hurt from this
I received a correspondence from Credit Acceptance, it had an attachment ( attached ) with what looks like a contract with my vehicle, name, address, but a digital signature. On XX/XX/2018, i signed with my hand a contract with XXXX XXXX XXXX XXXX  XXXX. At no point on or after that date did I ever engage in a digital contract signing with XXXX XXXX XXXX XXXX XXXX or Credit Acceptance. This is clearly a forged document by credit acceptance and fraud, pursuant to Florida statutes 817.034, 18 USC 47, fraud can be punishable by 20 to 30 years in prison and or {$250000.00} fine for each instance which could be proven by each time my signature was put on there plus each time my initials were placed on there by frivolous pretenses, Fraud.
The  XXXX   XXXX  is reporting several incorrect items on my  XXXX ,  XXXX  and Experian credit reports. First,  XXXX   XXXX  is reporting that there was payment activity in  XX/XX/XXXX    (  XXXX   ),  which the last payment made was in   XXXX  . Second, it is reporting that there is a monthly payment of {$2100.00} which the monthly payment is {$0.00}. The Home I have contacted  XXXX   XXXX  several times about identity theft and provided copies of police reports and fraud affidavits but in response instead of removing these fraud accounts -  XXXX   XXXX  reports these accounts as " new derogatory '' accounts which artificially lowers my  credit score.      The  XXXX   XXXX  is reporting this false information to illegally extend the 7 year reporting period, and is trying to keep these on my credit report an additional  two  years which it legally can not do.
The problem was with a credit reporting agency ( Experian ). I asked them to lift my security freeze for my financial company, and they told me they did, when I went to my financial company, the security freeze was still on my report. I kept calling Experian about the situation, and Experian kept telling me that it is unlocked. My financial company could not pull my credit report because it showed that Experian didn't unlock it even though Experian said they did. I kept calling Experian and they kept telling me they unlocked my report. Now, I have to wait until the lock is actually back on the report, and do it myself. Experian kept asking me for personal information, and now I believe that I've been set up for ID theft.
I have XXXX jobs where I work part time at both. I have went into work with a message that XXXX company is looking for me and I need to give them a call back. Then couple days later but same week is when I have receieved a letter stating that my collection was now assigned to a new collection agency ( XXXX company ). An attempt to collect letter. They have not call me or if they had, they were no message from this company. I was told at work they had call my work multiple times and now they are calling my fiancee. I do n't know how they even got his phone number! So they are making the biggest attempt to contact everyone BUT ME for my debt! My phone number have been the same since 2008. I have never ever felt so embarassed and harrassing. I felt like my own personal business is spreading because of this company. Many coworker are asking me what 's going on ...
I lived with an XXXX ex for like 2 weeks at an apartment. He XXXX XXXX the last time and I left. I was never on the lease or signed or anything like that. The apartment people have sold my info to a company that refuse to validate the debt and refuse to remove it off my report.
I recently open an account with Citi Diamond Preferred. I was never sent a statement, neither by mail, or email. I contacted Citi on XX/XX/17 to inquire why I was never sent a statement. I was told by the CSR that I was enrolled in paperless statements despite the fact that I never enrolled in, nor agreed to, paperless statements. The CSR informed me that Citi would be unable to remove the {$25.00} late fee. I immediately instructed the CSR to close my account and I made the minimum payment for the amount of {$180.00}. It is also worth noting that my credit report is excellent, and my payment history is exceptional.
Calling me at work, threatening me. Call back hang up in my face. Attempting to collect a debt that is not owed. I do not have a contract or agreement with this company. I have never obtained money from them. The original pay day loan company was paid in full.
On XX/XX/2019 a debt was placed on my credit report from a Commonwealth Finance on behalf of a XXXX XXXX XXXX XXXX XXXX for the amount of {$950.00}. 
I then recieved a letter also. Never heard of either of these folks and have never used any of these people who are apparently in another state. I then asked the company in writing for a copy of my identification used to open such an account and they have not responded or provided my identification as proof. Because it is not my account and they have not proven that it is identified as my account through my identification required to open any account I am asking that it be removed from my credit reports because it is not my account.
THIS IS NOT MY ACCOUNT POSSIBLE IDENTITY THEFT THEY HAVE REFUSED TO REMOVE THIS ACCOUNT
Dear Sir or Madam, We have a conventional thirty year fixed mortgage loan with Navy Federal Credit Union that closed approximately two years ago. We recently received a New Mortgage payment notice letter from Navy Federal stating that our monthly payment is going up thirteen percent effective immediately. This is the second mortgage increase that we received in last than two years. Our original payment we started out including taxes and escrow was {$2400.00} per month. And it has ballooned to over {$3100.00} per month on a thirty year conventional loan. In less than two years our monthly payment has risen a whooping thirty percent. This is predatory lending at its worse. This has placed a tremendous financial hardship on us, which places us in risk of making the new payment. Our closing documents stated that our payments should not increase more than the original monthly payment. We feel at a minimum this is a violation of Truth in Lending Act and RESPA and unethical mortgage practices that Navy Federal has exercised. When we were in the process of closing the loan the Navy Federal Loan broker XXXX XXXX stated that after the loan closes we are eligible for a one time no obligation interest rate modification if the rates drop since our interest rate was higher than the market at the time. The rates did drop and we contacted Navy Federal customer services numerous times to get a mortgage rate modification and the Customer Service department stated that we could not get the rate interest modification we were misled. The broker mislead us to sale the loan. Doing the closing process XXXX reiterated that we would have the rate modification option, since our rate was significantly higher that market rates. 

Overall this is a huge monthly increase of thirty percent since the close of the loan, in less than two years. This has placed a huge financial hardship and burden on us We need your assistance to bring our payment manageable and bring Navy Federal into regulatory compliance from numerous and egregious predatory lending practices on this loan. Thanks for your attention in this matter. 

Sincerely, XXXX XXXX and XXXX XXXX
I initiated my disputes with Equifax beginning in XXXX of XXXX. Long since, they have responded to my disputes with " item verified ''. I have asked them to send me verifiable documents or information to how they verified the accounts. I am a victim of identity thief, and it is very important to me to know " HOW '' these items have been verified. 
I have sent letters via certified mail and initiated disputes online. My final letter was sent XXXX/XXXX/XXXX asking Equifax to provide me with verifiable information that backs up their claim of the items being verified. They have not. They responded with item verified. Under FCRA section 611 ( a ) ( 7 ), once an item has been verified the consumer has every right to ask " HOW '' the item has been verified, and the credit reporting agency has 15 days to reply with the requested documents. I have not received any documents.
Dear Experian. XXXX. XXXX I recently reviewed my credit report and found unauthorized inquiries and late payment. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Thanking you in advance. 

I demand the following inquiries removed immediately. 

XXXX. NEVER HAD A LATE PAYMENT. AND ALSO I SEE FEW INQUIRES WHICH IS NEVER AUTHORIZED TO ANYONE. HERE 'S THE INFO. 

Inquirer Name & Inquiry Dates XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX also never lived this address. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX My correct address : XXXX XXXX XXXX, XXXX, MN XXXX I demand the following other addresses much be removed immediately. 

Thank you
I recently refinanced my home mortgage with Wells Fargo. My complaint is that Wells attempted to delay payment of my school taxes from the old mortgage 's escrow account in a way that resulted in the new, refinanced mortgage having a higher balance. It 's complicated but this is what happened : - My local school taxes are due in XXXX. Each year, Wells Fargo would make the payment ( around {$3500.00} ) from my escrow balance. I applied for the financing in XXXX, with an eye toward completing the refinancing in XXXX or early XXXX. But I had questions about what would happen to the escrow account. The Wells Fargo loan officer explained to me, in XXXX, that the outstanding escrow balance, which was peaking due to upcoming payments, would be used to pay down the principal on the original mortgage. For example, if the payoff amount on the loan was {$150000.00}, and the escrow balance was {$6000.00}, at closing, that {$6000.00} would be applied to the loan, bringing the balance down to {$140000.00}. That seems positive -- but I would still on the hook to make the {$3500.00} tax payment in XXXX. I became concerned that, if the refinancing closed before the school taxes were paid, I would need to come up with an addition {$3500.00} at closing. Wells Fargo told me not to worry. In an email, the officer told me that the school taxes would be paid in XXXX before the closing, which ended up being scheduled for XXXX XXXX. I kept an eye on my mortgage account online, but the XXXX payment never posted. Finally, a couple of days before closing, I called Wells Fargo 's call center and they told me the tax payment had been put on " hold. '' They did n't pay my school taxes as expected and promised. Then the kicker : I received the Closing Disclosure from Wells Fargo. My outstanding escrow balance was being used to pay off the old loan, as they told me it would. But they added to the loan principle {$3500.00} for outstanding XXXX school taxes and prepayments for 11 months of school taxes for XXXX. By delaying payment of my XXXX school taxes from escrow, they effectively inflated the balance of my new loan by {$3500.00}. The interest on {$3500.00} on a XXXX, 3 % loan is not much. But if this is their standard business practice, Wells Fargo can incrementally boost their customers ' mortgage balances, at least during months when big tax payments come due. Multiply that by XXXX or mortgages over many years, and it 's real money. 
I told my mortgage officer that I would walk away from the loan if the school tax was not made. Wells Fargo did do this. But if I had n't made a stink, I would have been out {$920.00} in added interest payments over the life of the loan ( see attached closing disclosures ).
My name is XXXX XXXX and i am filing this complaint against Experian XXXX and XXXX credit report agencies who failed to investigate a late payment that was reported by XXXX XXXX in XXXX, with the account # XXXX under the FCRA experian is required to verify all information received from creditor before that information is added to a consumer file. but experian failed to do so on my case since XXXX and never sent me in writing a prove of that late payment from XXXX and still continue to list that false late payment. this morning i check online on my credit report and i saw that same late payment listed, i already sent them a letter in the begining of XXXX to remove this information by certify mail but experian refused to remove it. i called and requested to speak to a manager and got hung up several time ehrn i said i will file a complaint against them with CFPB. Experian is using deceitful manner to run their business XXXX and XXXX did removed it after their received my letter. i called them to make sure it was deleted from my credit report and it was confirm by their representatives that it was done. at my biggest surprised they listed again because i told experian that representatives that XXXX  and XXXX removed that false information why they do not want to do the same. they are horrible companies that need to be closed down
XXXX XXXX says they issued a credit card in my name and it was used fraudulently per their statement. They closed the account because of this but did not investigate or correct any purchases done fraudulent. They are putting this on my credit report and refuse to correct the issue.
The aforementioned credit collection agency representing XXXX XXXX at XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX XXXX XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Phoenix Recovery Group does not have any documentation, they need to retract this from my credit file immediately.
We closed our loan XXXX XXXX 2016. When I finally got the paperwork about the loan servicer I attempted to go online and set up an automated payment. The website said my SS # / Loan # did not match. I called up and was told the " correct '' loan # ( different than on the paperwork mailed to me ). I then went in again and got the same error with the new loan #. The customer service # XXXX was automated. When you selected the option to speak with a representative it would redirect you to a disconnected #. If I had not actually applied and closed on a loan I would think this was fraud.
I ca n't access my account online or make a payment. I do n't even get a paper statement in the mail. I 'm now getting calls from Ditech about paying my mortgage, BUT I CA N'T BECAUSE THEIR WEBSITE DOES N'T WORK!!! This is crazy. Ditech is damaging my credit. I do n't even know my account number or the amount of my payment without access to their website or where to mail a payment. I never agreed to do business with this company -- my mortgage was sold to them. Ditech 's website often does not work.
There are XXXX companies reporting a delinquent account that originated with a 60 month loan with XXXX that was secured by a vehicle. The Loan was originated on XXXX/XXXX/XXXX for the loan amount of {$18000.00} at 22.99 % APR with the first payment due on XXXX/XXXX/XXXX. I paid this loan as agreed until Approximately XXXX XXXX when the loan was transferred to Green Tree for servicing. I was notified by Green Tree that my balance was still {$13000.00} after I had been paying my payments since XXXX ( 5  years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on XXXX XXXX, XXXX which I refused via fax on XXXX XXXX, XXXX and asked them to come and pick up the car that the loan was secured on. Green Tree then transferred the Loan to Ditech Financial who also tried to collect before selling the account to XXXX XXXX. I currently have a delinquent closed account being reported on all XXXX of my credit bureau reports by Ditech Financial LLC for the loan which was originated with XXXX as well as a delinquent Open Collection Account on all XXXX of my credit bureau reports by XXXX XXXX in the amount of {$13000.00} which again was originated with XXXX. My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the Green Tree Welcome Letter ) ; completely different than the Original Note ( Shown on the XXXX Loan Origination Note ) The Green Tree Welcome letter does however reflect the correct XXXX Loan/Account number and corresponding Green Tree account number, which is then referenced by Ditech Financial and XXXX XXXX. I will also include a letter from XXXX stating that they no longer have any of the documents of my real estate loan that was originated with them ( it was actually a 60 month vehicle loan that originated on XXXX XXXX, XXXX ) so they will delete the account from my XXXX agency credit reports. I would like to have any delinquent accounts associated with the Loan that was Originated with XXXX be deleted from all XXXX of my credit bureau reports PERMANENTLY Deleted.
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2018.
Equifax is continually ALL of XX/XX/XXXX and most of XX/XX/XXXX reporting Fraud. Equifax was sent NUMEROUS TIMES!!!!!!!!!!! A Police Report, Notarized Sworn Affidavit and ID theft Report. The XXXX WHO WORK at Equifax Refuse to supply to i, any proof or evidence that the Account ( s ) i have disputed are considered by Equifax to be valid. EVERY ACCOUNT EQUIFAX IS REPORTING ON THE XXXX XXXX XXXX CREDIT REPORT IS FRAUD. 99 % of the Account ( s ) that Equifax is reporting, HAS BEEN REMOVED FROM THE OTHER TWO CREDIT REPORTS BY THE SO CALLED CREDITORS THEMSELVES. The accounts are NOT MY ACCOUNTS, NOT MY DEBTS. Equifax is in violation of Fair Debt Collection Practices Act and the Fair Credit Reporting Act. There is NO HIGHER FORM OF EVIDENCE then Sworn Affidavit ... .Yet Equifax has Ignored the LAW, the RULES THAT GOVERN THEIR ACTIONS. This report will be used against Equifax in Court.
I had open a bank acount with us bank and my acount was close becused I didn't hand money in my bank acount I thought that my funds where sending me a check yo my address but I never open my mas il and I rescued a letter that st and XXXX that my acount was close for not having funds and I disputed my bank acount all I got was a letter stating that all was geting but I believe that us bank close my acount before I had access to my funds
A complaint was filled about a Wells Fargo check number XXXX for {$980.00}. The check was clearly cashed out at a XXXX XXXX XXXX from an unknown person, this person is not associated with XXXX XXXX XXXX. The check maker ( XXXX XXXX ) has expressed to Wells Fargo that the check should have been cashed by XXXX XXXX XXXX. However, Wells Fargo told the check maker that XXXX XXXX XXXX needs to make a complaint. 
XXXX XXXX XXXX made a complaint to Consumer Financial Protection Bureau. And received a letter from Wells Fargo, stating that XXXX XXXX needs to file the complaint. 
In the XXXX XXXX XXXX  letter, Wells Fargo understands the difficulty, and that XXXX XXXX XXXX didnt receive the payment however can not act with the information received from a third party. To file a claim please have the maker of the check contact Wells Fargo. The maker of the check is XXXX XXXX. 
XXXX XXXX contacted Wells Fargo as instructed by the letter. Wells Fargo stated that they see the transaction was posted correctly. However, the transaction was incorrectly cashed out by someone other than XXXX XXXX XXXX. This issue was constantly being stalled because Wells Fargo is making both parties go around in circles. Time is going by and both sides need this issue resolved. 
Both parties have complained and have letters from Wells Fargo about this issue and was ignored. 
This complaint is now being filled by XXXX XXXX because Well Fargo see nothing wrong with the check being cashed out by an unknown person.The check should have been cash out by XXXX XXXX XXXX only, as stated on the check.The check instructions are on the attached check and was not followed by Wells Fargo. Wells Fargo needs to fix it. They even admitted in the letter to XXXX XXXX XXXX that the funds didn't go into XXXX XXXX XXXX account.