WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from my mortgage company today in reference to my property taxes. The company has failed to properly maintain my financial accounting records by sending this letter threatening me with foreclosure action. They are in violation of the agreement and sections Of the TIL act and maybe subject to prosecution, for unfair debt collection practices and mortgage fraud, and false reporting to a government agency, ( HU D ),  under the false claim act.     I spoke with a  XXXX   County Tax C ollector today, ( name and phone number available upon request ), and he informed me that I was NOT delinquent on my tax bill.I owe {$670.00}, which is due on  XXXX / XXXX / XXXX , which I have every intention of paying. I have been paying installments since  XXXX  of  XXXX .
Our mortgage company is not paying our homeowners insurance from our escrow account. This is the second time this is happened. Last year when we discovered the problem, the mortgage company insisted that the error was corrected and this would not happen again. They paid our XXXX insurance & now this year our homeowners insurance contacted us to say they have not received payment again. I checked online with the mortgage company and they show that the borrower is responsible for the insurance which is the same error as last year. They tried to force us into taking their homeowners insurance because they were showing a lapse in coverage. Not sure what to do to correct this repeated problem.
I was going to school, with XXXX XXXX, XXXX on line and the cost was XXXX. I received XXXX} a year for XXXX year from XXXX. A week before I was to graduate the school told me they had closed. I got a bill from XXXX XXXX company charging me with XXXX  dollars. A year later they sold this bill to Navient. i do not owe this much money and it is a detriment to my credit. Please can you help me correct this error?
I opened an saving account with Capital 360 online. In the bank 's advisement, it says there will be {$100.00} bonus if I deposit new money {$10000.00} for 3 Months. I deposited {$10000.00} on XXXX XXXX 2015, but did n't see the bonus right now. I would like band give me the {$100.00} bonus with promised in advertisement. 
Thanks, XXXX XXXX
I received the XXXX XXXX XXXX Credit Card XXXX in XX/XX/XXXX. 
I made one purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX {$260.00} and have not used it again. 
On XX/XX/XXXX the following transaction was withdrew from my XXXX XXXX XXXX, Texas : XX/XX/XXXX XXXX XXXX PAYMENT XXXX XXXX I did not authorize this transaction. 
I have a savings account and CDs with XXXX XXXX so I phoned them and asked why they withdrew {$2200.00} from my XXXX XXXX XXXX, Texas. After they did some searching they replied that they did not do the withdrawal. I went to XXXX XXXX XXXX, Texas and asked if they knew who withdrawer the money and they did not know so I filled a Disputed ACH Transaction. 
On XX/XX/XXXX I received an email from XXXX XXXX, Oops, did you forget to make your payment? 
I retrieved the XXXX XXXX XXXX Credit Card from my files called the number on the back of the card asked them what they were talking about and that was the first time I knew who had withdrawn the {$2200.00} from my XXXX XXXX  XXXX, Texas. 
I do not know how someone had the Credit Card information as the card has been in my file cabinet for the past 2 years. 
How did someone get the information to make a payment on my XXXX XXXX XXXX, Texas? 
When I phoned XXXX XXXX XXXX Credit Card I asked them why they had not sent me a statement and they said they had and it was returned. 
This whole thing looks like an inside job to me I dont know how anyone else could get this information.
I visited Experian 's website to obtain my credit report and I was charged {$1.00} on my credit card. Subsequently I was charged {$21.00} though I ordered nothing else. I called Experian and they said I ordered a broader service that included my XXXX score. I did not consciously order this service, and I never was presented with a cart containing this order with a button to submit the order. I also had the exact same experience with XXXX except I was charged {$19.00}. I have not been able to reach a live human at that company. I am an experienced internet shopper and I have never seen anything like this. Experian told me that I would have been charged {$21.00} every month unless I canceled, so they canceled " my order '' but refused a refund. I assume that XXXX has the same policy. I will try to contact them on Monday XX/XX/2017 when they are open.
My ENTIRE CREDIT REPORT WAS DELETED after I submitted an Identity Theft Report in XX/XX/2017. 
Positive Accounts have been REMOVED and SUPRESSED FROM RE-REPORTING MY ACCOUNTS TO MY REPORTS! 
i CONTACTED THE cREDIT bUREAU AND WAS TOLD TO CONTACT THE CREDITORS THIS MISTAKE WAS MADE BY XXXX AND THEY ARE REQUIRED TO FIX THIS ISSUE AND REPLACE MY INFORMATION BACK ON MY REPORTS AS IT WAS BEFORE THEY DELETED IT. 
THEY DELETED INFORMATION FROM XXXX  XXXX, XXXX, AND XXXX XXXX XXXX XXXX ACCOUNTS THAT WERE NOT REPORTED AS FRAUD! 
THIS IS ILLEGAL TO TAMPER OR REMOVE WITH MY CREDIT ACCOUNTS THAT I HAVE NOT REPORTED TO BE CAUSED BY IDENTITY THEFT AND I NEVER DISPUTED ANY OF THEM! 
XXXX IS IN VIOLATION OF MY RIGHTS TO FAIR CREDIT REPORTING. XXXX  IS NOT LEGALLY ALLOWED TO REMOVE ACCOUNT INFORMATION THAT HAS BEEN REPORTED TO MY CREDIT REPORTS UNLESS AUTHORIZED TO DO SO WHICH THEY WERE NOT. 
XXXX  IS PREVENTING MY ACCOUNT CREDITORS FROM THEY'RE RIGHTS TO REPORT MY ACCOUNT INFORMATION AND THEY ALSO WILL TAKE ACTION WITH MY TO FILE A COMPLIANT IN COURT TO FORCE THIS ISSUE SINCE THIS HAS BECOME A PROBLEM FOR THEM BEFORE. I HAVE COMMUNICATED WITH XXXX  XXXX AND XXXX XXXX XXXX XXXX, AND XXXX.
Since XXXX, I 've been attempting to get Ditech to correct my escrow charges to no avail. I have XXXX Ditech mortgages. Both loans had " lender-placed insurance '' which was canceled per Ditech 's own written correspondence on XXXX/XXXX/2016. However, I continue to be charged escrow for " insurance '' every month since then. ( My loans do NOT escrow for taxes or insurance. There were forced-placed insurance charges earlier in the year due to my condo association losing their coverage temporarily. ) I need my monthly payments to be adjusted to remove the escrow charges, as well as a refund for escrow payments already made. I have emailed Ditech numerous times ; I have spoken to countless representatives that keep reassuring me the escrow issue will be resolved shortly. I 've left several messages on the voicemails of supervisors ( including XXXX XXXX ) -- and have never received a call back. Over three months later, nothing has been resolved. 

I continue to make the full payments ( including the erroneous escrow charges ) to avoid late fees.
I am XXXX XXXX XXXX and a XXXX survivor ( XXXX ). Based on my prognosis, I decided to take my life 's savings to make a down payment on a condo with me as the applicant and my son the co-applicant. We used Quicken Loans. On XX/XX/XXXX via email I informed the salesman, aka " Executive Purchase Banker '' XXXX XXXX that his colleague told me I did not have to have my home owner 's insurance ( or property tax ) escrowed with Quicken, and I did not want to do this. XXXX called me up. I was tired, and he told me he would have to charge me more money at closing if I did not do this. The issues here are lack of full disclosure and coercion. 
On XX/XX/XXXX Quicken Loans sent me an email saying they had paid my property taxes : {$1500.00}. This was too low, so I called Quicken Loans and the agent told me they were right and I was wrong, and unless I got something in writing from the Tax Collector, Quicken Loans would not do anything. ( If I had taken her word for it, our home would have gone into foreclosure. ) I contacted the XXXX XXXX Tax Collectors office via email and they responded that my taxes were {$1900.00}, and had not been paid. I faxed a copy of the email along with a copy from the page from XXXX to Quicken Loans. Evidently they had sent the money to pay someone's else 's taxes. A XXXX XXXX said they were in the process of getting my money back from XXXX XXXX County, and supposedly also sent the {$1900.00} from my account. ( So here is now no money left in my escrow account. ) I looked on the XXXX   site and my taxes still were not paid and the {$1500.00} is still missing. Another customer service rep named XXXX told me they were " still working '' on getting my money back. She also said Quicken Loans does not pay my taxes, they have another company do it and that company mails a check to the tax collector, which may not cash the check for several weeks. I told XXXX XXXX, I do not want to escrow either insurance or taxes with Quicken Loans anymore, and she told me that I had to for 12 months, but this is not what paragraph 3 of my mortgage contract says. It says the Lender can release me from this obligation anytime. This is fraud. I asked XXXX XXXX the name of their attorney. XXXX XXXX responded that she is busy " researching '' and will get back to me.
this started with complaint XXXX .   Wells Fargo who bought my VA loan has complicated my ownership of parcel   XXXX   XXXX  . I contacted CFPB and they helped clear this deeds legal description. all when well. this was apparently straightened out. Then at the refinance the lot was completely disreguarded. no record of it. after months of straightening things out, Wells Fargo is very slow. nothing is done by e-mail. all snail mail.
It appears they are working with my municipal tax office to manipulate ownership from me.
I closed a loan with JG Wentworth the end of XX/XX/XXXX, and in XX/XX/XXXX they transferred the servicing of the loan to XXXX XXXX. 

I paid my loan on time, but in XX/XX/XXXX JG Wentworth reported my loan as 30-days late on payments ... ( the loan was sold to XXXX in XX/XX/XXXX ). 

I attempted to correct this problem but JG Wentworth will not return my calls.
I currently have {$110000.00} in debt that is handled by AES. When I have called in the past to get a reduction in monthly payments, they have told me that my only option is forbearance or to continue paying at the current amount. I pay {$630.00} a month to AES. I also pay {$780.00} /month to XXXX and {$160.00} to my federal loans. I can not afford payments as my financial situation has changed and I have to pay rent and household bills. If there is any relief that can be provided, it would be greatly appreciated. My financial situation will unlikely get better over time.
We have continually in writing asked for an itemized list of charges that supports the amount attempted to be collected. The itemized information given by A.R. Audit services from XXXX XXXX shows a total owed of {$3200.00}. A.R. Audit services is attempting to collect a principal balance of XXXX, along with interest and fees of {$160.00}, for a total of {$7000.00}. We have spoke with XXXX XXXX the original debtor of this account and they encouraged me to supply my own supporting information from my XXXX account documents. After completing this in writing, and over the phone A.R. Audit Services continues to try to collect the {$7000.00} without supporting documents. We would like to end this harassment and fairly settle our debt owed, but the actions of A.R. Audit Services and their attorney XXXX XXXX have prevented us from doing this.
I sent a letter off to XXXX XXXX XXXX asking them to VALIDATE a debt and they sent me back a bill that not VALIDATION. I would like for this account to be removed from my credit file. This account is stopping me from getting a house and I would like for it to be removed.Account number XXXX.
Two unscrupulous representative harassed my husband and informed him about my delinquent debt and all detailed information about my account in order to obtain a payment. I have never provided his telephone number nor authorized anybody to share information with him. 
The creditor is Comenity Bank, phone # XXXX the two debt collectors names : XXXX at ext # XXXX and XXXX at ext # XXXX.
Recieved voicemail from a XXXX at XXXX saying to call within 24 hrs. I called told it was an attorney for Continental Finance and they are ststing civil action to collect {$520.00} for a XXXX I never had. When I asked why not on my credit report he said it was up till 2012 then company didnt want to pay to report. I asked him to send info and he said good luck and hung up. This appears to be a scam.
On XX/XX/XXXX2017 I contacted ERC in regards to a letter my father had given me from them. I spoke with an individual and requested a copy of the written contract. At which time, I was transferred to a XXXX. XXXX continued to speak over me, belittle me, and engage in unprofessional and abusive conduct. I have subsequently had to see a XXXX as a result. 

Afterwords, I contacted the company and requested to speak with their attorney regarding their illegal conduct. I received an e-mail from a XXXX XXXX in response to my letter and clearly provided legal advice. Her own words state " XXXX XXXX let me advise to you, that no law exists where an employee of any agency is required to tolerate and withstand continued insults and bullying by a consumer no matter how angry that consumer feels. ". She goes on to provide legal analysis in the letter. After checking with the Florida Bar Association, XXXX XXXX is not licensed to practice law. 
Under Florida Criminal Statute " Engaging in the unlicensed practice of law in Florida is also a crime. It is a third degree felony. '' The conduct of this company and its employees is completely without word. It surpasses industry standards and recklessly disregards both civil and criminal law.
My complaint mirrors the other XXXX complaints registered on this website. My loan was sold to Seterus, Inc. to service XX/XX/2015.XXXX XXXX. Seterus changed my 30 years fix rate and is trying to charge me a higher monthly payment even though my account is up to date and I have paid over the right amount for 8 years. Now Seterus has damage my credit history as placing me as a delinquent payment and Seterus is initiating a foreclosure in my property. 
I need help I do n't know what to do, I ca n't understand how come after all the fraud the banks and mortgage companies did which cost the economy of the world and nobody is doing anything to stop them? I need help.
Security Credit Services LLC. has adopted illegal credit reporting practices. This company is varnishing fraudulent information onto my personal credit report. I have not authorized this company to receive any of my information. This account is fraudulent.
Is it possible to get a history of my student loan consolidation that includes loan numbers, loan types, the funds that were dispersed and the names of the institutions that were paid. It has been frustrating, i have called servicers, lenders, dept of ed, XXXX, numerous times for information. No one seems to have the details. Is there any way I can find this information so I know the loans that i have paid. There are discrepancies between my records and XXXX.
I, XXXX XXXX believe that all my mortgage payments made to M & T Bank on a mortgage I had with my brother since XX/XX/XXXX was paid perfectly by direct withdrawal from my checking account. In XX/XX/XXXX, we sold the property and a copy of the HUD-1 is attached. However, M7T Bank shows a 30-day late payment for XX/XX/XXXX, that should be corrected. I believe that the credit reporting system works, but sometimes mistakes are made. I have disputed this late payment and M & T Bank has not responded to my satisfaction. Accordingly, I respectfully request a review through the Consumer Financial Protection Bureau to rectify this matter. The 30-day late payment should be removed with every credit reporting agency.
There are 2 Accounts listed erroneous by your company. I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a XXXX  XXXX. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter. 

XXXX XXXX XXXX
I tried contacting Transunion to clear up some things that's showing up on my credit file when applying for credit. Transunion is reporting I have 2 delinquent accounts and 1 derogatory account on credit file. I spoke with someone their and they were suppose to correct the issue and it has not been corrected. I do not have any delinquent accounts or derogatory accounts. Transunion needs to update my credit report immediately to reflect no delinquent accounts and not derogatory accounts.
The process of repeated calls during the day has begun again. After the last complaint Navient has agreed to significantly reduce the number of collection calls its agents place. As challenging as it is being unemployed for over 6 months, I have made payments. I am now about 20 days behind, again, and so far this week received XXXX calls, XXXX of these were today, the XXXX of XXXX and within XXXX hours of each. It appears the practices if harassment are part of Navient 's business doctrine. Harassment is perceived by the recipient. The principals are set forth in workplace XXXX and I see no difference. This is the XXXX time I have filed this complaint with CFPB.
In XXXX we purchased a home with a FHA Mortgage Loan. 
in XXXX XXXX we filed chapter XXXX Bankruptcy because we could no longer afford the home due to employment loss/ employer reduction. 
we were discharged on XXXX XXXX, XXXX. 
the home of XXXX XXXX tx XXXX later went info foreclosure on XXXX XXXX, XXXX. 
we are being given the run around by mortgage lenders and bank of america customer service. 
we cant pass caivrs during underwriting for a new home loan whether it is conventional or FHA. 

we filed for bankruptcy because of a situation that was out of our control. we qualified for bankruptcy because of that same reason. the bankruptcy included the home in XXXX XXXX, TX. the discharge clearly states we were not responsible for the mortgage loan any farther and to not make any payments towards it. no clear dates have been given regarding why it took the bank over a year to foreclosure. OR why we are responsible for the foreclosure if it happened after the discharge. please provide dates and why we are being penalize by this foreclosure. our credit shows the bankruptcy only and other than that our credit is in great standing. we are unable to get a home and there needs to be a clear explanation why.
I have tried to open an account with Suntrust in conjunction with my XXXX XXXX Member Account. I opened the account online around XX/XX/XXXX. Suntrust Policy states that an account had to be inactive for 90 days to be closed for inactivity, says the Suntrust representative. Although, somehow my account was closed on XXXX fifth. I just received my Debit Card today, on XX/XX/XXXX. When I called to activate my card, I was transferred to the Representative that explained the earlier statement, and was told that my account had been closed due to inactivity. When I started questioning that decision and requested to speak to a manager, he became irate and ended the call. This is n't the first time I 've dealt with the exact same situation with Suntrust before. It has happened multiple times. This has to stop.
I spoke with Experian on XX/XX/XXXX as well as XX/XX/XXXX. I noticed my credit report reflected two inquiries from XXXX XXXX (XX/XX/XXXX andXX/XX/XXXX ), as well as an inquiry for XXXX XXXX  onXX/XX/XXXX. All three of these I did not authorize. I explained to XXXX that the instructions on the site said to call them to dispute the inquiries. He said that he can only do that in " special circumstances '' and refused to transfer me to a US Handling Rep. I asked him why the instructions on the website are to call the number that lead me to his desk, and he refused to answer.
On XX/XX/2017 I arrived to Bank of The West. I approached there ATM to deposit the amount of {$100.00}. I unknowingly used my prepaid card unaware i was n't able to use the card at the Bank of The West ATM. After depositing my money I received a receipt stating at XXXX " We encountered a problem returning your cash, please contact your financial institutions '' after trying to withdraw my money back, I got error reading. I contacted the Branch Manager at the bank and they stated my Prepaid card company ( XXXX ) would have to make a claim stating that i lost my money at Bank of The West ATM. but since there was no transaction of the money depositing into my card they where unable to file this claim. After spending hours on the phone with the branch manager again she said that she contacted the ATM Branch and they are now stating I was never there at the ATM and they are not Over the amount of {$100.00} But I have proof of I was there. I am attaching them to this Claim.
Original HELOC with XXXX since XXXX, Filed Bankruptcy XX/XX/XXXX, XXXX " charged-off '' loan XXXX/XXXX/XXXX adding charge-off fees, added " unexplained interest ' ( $ XXXX ) held loan through the duration of the Bankruptcy applied all payments to principal - ( Internal decision, given charge-off, as per BK Specialist ). XXXX XXXX sold/transferred loan to SLS ( Specialized Loan Servicing ) who confirmed balance, XXXX % going forward, statements confirmed balance, XXXX %. Wrote XXXX/SLS ( certified return receipt from both ) XXXX, XXXX, regarding explanation of unexplained fees, interest, etc., XXXX has not responded, received call from BK Specialist saying they no longer held the loan, could not/would not answer any questions, reconfirming balance and 0 % " going forward ''. SLS acknowledged our written concerns and would contact within 30 days ... never did. As of XXXX, XXXX SLS has reversed Trustee payments ( $ XXXX+ ) to interest, showing " past due '' as of XX/XX/XXXX with $ XXXX+ due immediately. Not one agent is able to explain why, evading, will look into it, will escalate etc., We not only do not have answers to our initial concerns, we now have unexplained ( $ XXXX+ ) past due amount that SLS agents can not explain. 
Numerous calls have all been futile, have filed complaint with Dept. Insurance and Financial Services, 1st request went unanswered, 2nd answered, can not comment on past servicers ' transactions. States account is past due XXXX XXXX, cites Trustee as to how payments were applied. 
Have spoken to BK Attorney - Loan should not have been Charged-off, fees, interest, etc,, with an active BK - could be re-opened by Judge. 
Spoke to Trustee, Trustee pays the claims submitted, does not designate how a claim is paid. 
SLS will not answer our concerns, on countless repeated demands, phone calls, complaints. Has frivolously reversed Trustee payments applied to principal as stated on previous statements, now appear as interest, on statements, cites past due as of XX/XX/XXXX, we were in an active CHXXXX Bankruptcy, ( XX/XX/XXXX-XX/XX/XXXX ) which they acknowledge. 
Complaints are not adequately answered, as per Dept. Insurance and Financial Services