WillisBack/dataset-financial-user-claim huggingface dataset:
Payoff of a XXXX Streamline refinance on XXXX. 
I want CFPB to investigate which loan was actually paid and by whom. If this balance was added to my home loan or included in the XXXX modification XXXX just transferred to XXXX Wells Fargo foreclosed on my duplex. 
I believe my loan was paid in full. 
I believe there was enough escrow leftover to pay it. 
I believe they were servicing a XXXX mortgage that had already been refinanced in XXXX I believe they gave the escrow I had already paid to XXXX. 
I believe I paid them 81 months of interest on my own money on loan I did n't even owe I also believe the money I gave to XXXX was then paid to even ANOTHER sercier I KNOW I overpaid. 
I further believe that the loan modification on my house included both the beginning balance of the real loan on my duplex. 
includes the ending balance of the FAKE Wells Fargo loan. 
I believe they also had enough to pay off a 15 year loan from XXXX plus 3 years to pay escrow back I paid back the XXXX payment ( included in the balance ) to XXXX bank. 
I believe this to be true because they returned three of my payments and accepted a 3rd payment just before the insurance was due. 
I had gotten the XXXX premium reduced with a refund forwarded to Wells Fargo. Another refund went to them from XXXX as of the foreclosure. 
I do not have a truth in lending for this loan. 
It has the same handwritten number XXXX -as a first XXXX loan on my house that has been released twice. 
I BELIEVE WELLS FARGO HAD NO RIGHT TO FORECLOSE STOLE MY PROPERTY KEPT THOUSANDS OF DOLLARS OF ESCROW AND HAS TAKEN NOT ONLY my PROPERTY HAVE TAKEN THOUSANDS MORE OF my INCOME I WAS ENTITLED. 

This complaint is related to a previous one submitted XXXX and I am providing additional documentation of the returned payments.
I sent in information for a loan modification. The person who was handling my loan modification left the company. Now my calls are not being returned. My check was returned and my loan is now in default. Also, while I was waiting for an answer to my loan modification, a second signature was requested for the tax form. I have requested a loan modification in the past, ( I cancelled the loan modification because I did n't agree to the terms ) and I did not have to have a XXXX signature. It clearly states on the form that a XXXX signature is not required. I have called the company several times, and they have refused to return my calls. I have no idea why they are refusing to talk to me. I do n't understand it. I ca n't be that bad of a customer. I am not mean or rude to anyone.
Specialized loan servicing lost our XX/XX/XXXX payment. Since then, they have perpetually been falsely reporting our account as 30 days late. Each month 's payment has been applied to the previous month, while the current month was marked late. We reported this to you and it was investigated. As a result of the investigation, Specialized Loan Servicing sent us a letter acknowledging that they misapplied our XXXX payment, but they are still reporting us as 30 days late to the credit agencies. 

Attached is proof of on-time payment for every month since Specialized Loan Servicing acquired our account ( XX/XX/XXXX-XX/XX/XXXX ). Also attached is the referenced letter from Specialized Loan servicing acknowledging that they had mis-allocated our XXXX payment. In this letter they continue to falsely claim that we are behind on our payments, even though we had already made our XXXX payment as of the date of the letter.
I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago. 

XXXX XXXX - ( CLOSED ) XXXX XXXX XX/XX/XXXX - INCORRECTLY REPORTING AS 30 DAYS PASSED DUE FOR XX/XX/2018 ; THIS IS NOT CORRECT XXXX XXXX XXXX XXXX - Account Paid in Full ; was a Collection ( Not my account ) I also have some hard inquiries on my credit report that I did not authorize as well : - XXXX  = Inquiry from XX/XX/2018 - XXXX XXXX = Inquiry from XX/XX/2018 I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck. They just want me to pay them.
I signed up for an XXXX store card for my XXXX payments and they automatically signed me up for their Card Security Program which provides coverage in the event of death, XXXX etc. I did not give my consent ( or was not aware of giving my consent ) when I signed up for the card. I received a non-descript notification in the mail alerting me of this and have cancelled my participation by phone. 

Apparently they have a checkbox in the card application process. I do not remember checking that box ( and never would have ), so I can only assume that the box was checked automatically and it was an opt out.
I have fought this for months with the credit agencies, this debt doesn't belong to me. I do not owe any apartment complex this company has the wrong XXXX XXXX
I reported XXXX fraudulent charges on my Banana Republic credit card which is through GE Capital Bank on or about XX/XX/XXXX in the amount of {$320.00} spanning XX/XX/XXXX to XX/XX/XXXX. As of XX/XX/XXXX, the charges had not been removed form my account so I called and was told to wait as they would be removed by next billing cycle. As of today, XX/XX/XXXX, the charges have still not been removed and I have been charged late fees in the amount of {$50.00}. Upon calling again, I am told that only a portion of the fraud has been investigated and it is 'approved ' but still not credited back. Approximately another {$90.00} has no status.
Upon reviewing my credit reports I noticed a collection account listed by XXXX XXXX that I did not recognize. This account shows on my credit reports as owing {$570.00}. I sent a certified letter to XXXX XXXX dated XX/XX/XXXX disputing this debt and asking for validation of this debt with competent evidence bearing my signature showing that I had an obligation to pay this company. On XX/XX/XXXX I received a letter back from XXXX stating they were uncertain of what I was disputing, and also sent a billing statement that I have never seen before. They did not include what I was asking for, validation the account was mine bearing my signature. Also the amount they are now claiming I owe is different from what they reported to the credit bureaus. I then responded with another certified letter informing them they they have failed to provide me with a copy of any viable evidence bearing my signature that the account is reporting accurately and also asking for proof that I have some contractual obligation to pay them the money they are claiming that I owe and asking them to delete this account from my credit reports if they can not provide a contract with my signature. I received a response dated XX/XX/XXXX stating again that they are uncertain of what I am disputing and providing no other information, and no evidence bearing my signature that this account is mine.
PNC DECLINED MY APPLICATION TO OPEN A BANK ACCOUNT SEVERAL TIMES ONLINE AND AT POTENTIAL BRANCHES
on XX/XX/XXXX, I meant to send a billpay payment to Citibank for a credit card account, in the amount of XXXX i accidentally send them a payment for XXXX, resulting in an overpayment of {$21000.00}. I have been promised a refund as of XX/XX/XXXX and as of today, XX/XX/XXXX, i STILL have received NO refund. It has been almost 60 days since i first called in for a refund. I have called 5 additional times over that timeframe, each time escalating the lack of refund and Citibank has done NOTHING except promise me a refund within the week and giving me no refund. Twice we have spent over an hour on the phone while they insist on verifying the payment with my bank, which just wasted my time and made me even more upset. At this point i do n't believe that Citibank will give me any refund. I believe that they intend to keep the overpayment. The lack of refund is unethical and can not be legal. How can they get away with treating customers this way?
Filed chapter XXXX bankruptcy here in Mn last year i was told by the courts that they do not report to the credit bureaus Trans union has it reported as public record it was done by a third party. to resolve this issue i want it deleted immediately and i would like proof that its been deleted.
My monthly mortgage payment with Nationstar prior to XX/XX/XXXX was {$1.00}, XXXX. I was informed by my new mortgage loan company would be Mr. Cooper, and that I have an escrow shortage of {$2000.00}. XXXX. After speaking to the escrow specialist from XXXX XXXX I was informed that my Taxes had increased by {$270.00} a year. It was further explained that I was actually {$2700.00} short. The escrow analyst reported that my actual shortage was really {$1400.00} and XXXX XXXX took it on themselves to charge me an additional {$1300.00} since they were the ones to cover the escrow shortage of {$1400.00} which totals {$2700.00}. When I first acquired the loan on this home approximately 13-14 years ago my monthly payment was around {$1200.00}. XXXX. I refinanced this loan about 5 years ago for a 10 year mortgage bringing my monthly payment to around {$1300.00}. A year or so later my mortgage company changed and I was told Again and Again that my escrow was short. each time the mortgage company told me that my escrow was short my monthly payment would rise. Now my mortgage company has changed again and again my mortgage payment has risen by about {$200.00}. I first purchased this home in XX/XX/XXXX for around {$120000.00} and my payments was around {$1300.00}. I now have a mortgage balance of {$73.00}, XXXX and my monthly payment is {$1700.00}. It seems that the more the balance decrease the payments should decrease as well or remain close to the same. There is clearly something wrong with this picture. PLEASE HELP. I do not want to go into foreclosure or have to pay for a foreclosure specialist that I can not afford.
Per previous complaint all documents sent faxed and emailed, Now all the paperwork that THEY lost is outdated.  I have just now emailed all current pay stubs from XX/XX/XXXXthrough XX/XX/XXXX. Again this is a problem on Carrington's part.  I hand carried the documents to a branch in XXXX XXXX Missouri handed them to XXXX XXXX – NMLS ID # XXXX Area VP – XXXX XXXX Carrington Mortgage Services, LLCXXXX XXXX XXXX XXXX XXXX, MO XXXX Phone: XXXX Cell: XXXXFax: XXXX Email: XXXX State Licenses: MO, KS, OK, IA, AR, NE, MI and the first person I spoke said there was no branch in Missouri. So here we are again.
XX/XX/18 I paid XXXX late fees and requested an extension of my loan XXXX XXXX XXXX. I sent the paperwork back four times and the claimed they never received it. After a minor operation another rep called me and said if I went to staples she would fax it to me there and I could sign it and send it right back. They started trying to fax my phone number. I went to staples faxed them and told them they were using the wrong number. No response. I was getting harassed repeatedly XXXX and 4 times a day. I spoke with no less than XXXX rep and explained, no one paid any attention and just kept calling. People would tell me that they would call me back the resolution and didn't. They just continued to harass me at work, at home no matter where I was. When I would block one number, the would call from another. I have been so stressed, that my XXXX XXXX flared up and was hospitalized. Due to my condition, I can't live with that much stress.
Today, XX/XX/2018 I, XXXX XXXX, opened a letter from Resurgent Capital Services. Their letter stated that I recently made a payment for reference ID : XXXX in the amount of {$25.00} which was credited to that reference ID. I have NEVER made a payment to Resurgent Capital Service for that reference ID. I made a payment to XXXX XXXX, XXXX in the amount of {$25.00} for account number XXXX for my debt for XXXX XXXX XXXX. At no time did I indicate that the payment be for the XXXX XXXX XXXX XXXX I believe Resurgent Capital Services is miss applying payments in order to use that against me. I am requesting full fraud investigation be opened on Resurgent Capital Service. I did send the company an email requesting more information, but I believe this is an  attempt to gain leverage by misapplying the payment an old account.
On XXXX 2015, I disputed unauthorized inquiries with Transunion. I never received a response. When I called they said I needed to call the creditor and that I did not provide evidence so they will not investigate. My issue is some companies numbers are out of service and other companies told me to dispute it with the credit agency and they will respond to the credit agency to have it corrected. The problem is this is damaging my credit worthiness and if it is inaccurate why is it allowed to stay there. They refuse to investigate inquiries even though the companies told me that they do not have a record of my applying for credit. This is an unfair practice creating damage to my life and the children I care for, when something that I am alleging is wrong will not be investigated. I believe if I request an investigation then they should be required to investigate as it is damaging my credit that I am in the process of repairing. If this is how consumers are to be treated then before something goes on my credit, I should be notified and have it taken care of right then and not later that causes the Trans union refuses. This is the only company out of the XXXX companies that does this. Is this not illegal, is this a fair practice?
I opened an account with Coinbase on XX/XX/XXXX. I used this account to buy and sell bitcoin and have never had any problem. A couple days later, I opened an account with XXXX ( a trading platform controlled by Coinbase ). After a quite lengthy process of account verification, I finally had my account ready to trade. I made a couple of buys and sells using XXXX. Then I stopped using it for a week because I did not have time. A week later when I logged back into XXXX account. It did not let me log in. It indicated that " Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact support@coinbase.com ''. So I submit a request on XX/XX/XXXX to support@coinbase.com to resolve the problem ( Case # XXXX ). After 10 days without response, I submitted an other request on XX/XX/XXXX ( Case # XXXX ). Now almost another 10 days has passed, I have not heard back from Coinbase people. I also submitted another request on XX/XX/XXXX to XXXX Support Center ( XXXX XXXX XXXX ) instead with the hope that I can get a response from XXXX people ( Case # XXXX ). I have about {$8000.00} dollars worth of coin on this account so this has been very frustrating to deal with.
Experian refused to honor my request to place a security freeze on your personal credit report based on the information you entered. I entered everything they asked for. I think they are purposely being difficult so I'll buy their monitoring product.
On XX/XX/2018, the NC department of revenue ( NCDOR ) placed a hold on my account. I contacted the NCDOR and they sent a fax over on XX/XX/2018 to have the hold removed. On XX/XX/2018, Bank of America charged my account {$120.00} & {$6.00} for a " legal fee. '' I have never been advised of any legal fees or any in charges regarding legal fees from Bank of America. I contacted Bank of America and spoke with a representative who advised it was valid charge even though I had NEVER been advised of such fees. I requested a refund of this charge and they refused. What if they wanted to charge me {$1000.00}? As a consumer, I have the right to know what fees may be incurred in specific situations and I never have been provided this information. I believe this is a way for Bank of America to take advantage of consumers in difficult situations. I am requesting that Bank of America refund me the so called " Legal Fees, '' and provide consumers with this information in the future.
Back in 2008 I obtained an Payday loan. I then had to file for bankruptcy and then it got dismissed. Most of my debt form that bankruptcy it appears on my credit report. I attempted to pay this off as it states on my credit report that I owe {$130.00} to clear this off. I called to pay this off and clear the debt. They refuse to take the {$130.00} that they are reporting and now they want me to pay over {$500.00}. I have all the emails and correspondence of this attempts to settle and their response. I then decided to go to the office since I thought I could be easier once I was there to try to settle this matter XXXX more time. This was not possible and instead they claim they will settle with me for the amount of $ 300+. I informed them that this debt has been since 2008 and it would soon fall off my credit report but that I wanted to make the attempt XXXX more time to settle. They are reluctant in any changes. What upsets me is not only that I am trying to clear this off but that they provide the incorrect information and they still are adamant about settling. Why do they report XXXX amount and then ask for another? They claimed that if I did not settle for the amount they are asking that they will NEVER clear the title on the vehicle. I do not use that vehicle but all I want is to remove it from my credit report to improve my credit.
CNAC car creditor keeps updating status on my credit report that should have been removed when the original date was  XXXX  of   XXXX   and  XXXX  wo n't remove it. Its showing up as a paid charge off.
I paid my auto loan within the 10 day grace period and the company still assessed a late fee.
Equifax is violating federal law and refusing to remove fraudulent accounts from my credit profile. I am a victim of identity theft and unknown person has used my information to obtain credit. Equifax has my identity theft report from local law enforcement. I have requested a freeze on my Equifax credit file and that was denied as well. The fraudulent accounts are with XXXX XXXX XXXX XXXX and XXXX XXXX. I have never had an association with these XXXX companies or applied for products with them. It is unlawful to hold me accountable for accounts that I did not create, apply for, or give anyone else permission to apply for.
I closed my account with Citicard XX/XX/XXXX. I had been a loyal customer of Citicard since XX/XX/XXXX, and received paper bills and paid them in a timely manner every month for 14 years. After I closed my account, I cut up my physical card, and stopped using the account. Unbeknownst to me, there was a small balance - under {$10.00} - remaining. I did not receive a paper bill to indicate there was a balance. I received a call from a collection agency saying I now owe over {$88.00} which includes XXXX charges of {$25.00} for late payment - plus interest. My card has been closed! They say I switched to e-billing. I assured them I had not since I get ALL my bills from every vendor mailed to me each month.
The company which has still reporting the unauthorized inquiry in my credit report is Equifax.      XXXX   XXXX   XXXX  made the inquiry on  XXXX   XXXX ,   XXXX   by mistake and without my authorization. When I contacted  XXXX   XXXX   XXXX , they apologized and said file a dispute and when Equifax investigate it they will call us, we will tell them it was unauthorized and they will delete it.     Things did n't go that way, I filled the first dispute with Equifax Confirmation #  XXXX  on  XXXX   XXXX ,   XXXX   and Equifax came back to me with a letter stating that the inquiry is true and they wo n't delete it.     I called Equifax and they said first tell  XXXX   XXXX   XXXX  to send us electronically a note to delete the inquiry. I called more than  XXXX  different people in  XXXX  different departments at  XXXX   XXXX   XXXX  and no one said they were aware or know how to send such electronic note of deletion to Equifax, then I got an account  specialist  from  XXXX   XXXX   XXXX  on the line and we called Equifax to understand how to do it, but unfortunately, we found that even the outsourced call center reps in  XXXX  do n't know how to do it either! and they were unable to help or guide us to what to do next, and at the end, they said  ( Equifax ) h as no way to delete inquiries from credit reports!!     This is completely unacceptable, Equifax has no process in place for disputing or correcting such wrong info which impacting me personally. Equifax did not investigate anything, they did n't contact  XXXX   XXXX   XXXX  or me, they did nothing and wait about 30 days  (  as required by law ) and came back to me with a reply that this is true inquiry!     Equifax has a useless outsourced customer care call center overseas who has full access to our confidential info but no authority or knowledge to resolve any issue! they simply read from a paper of what they says.     I really urge or US consumer protection authorities and CFPB to take action and protect us from such companies as Equifax who are busy in selling our confidential and financial info to who pays more with out any fear or responsibility or our business losing, suffering or time wasting.     Today I filled another waste of time dispute with Equifax and spoke with them and they still repeating the same cassette, the  new Dispute  confirmation no.  XXXX .     Please help. and advise of how to convert this issue to a law sue?     Best regards,  XXXX   XXXX
I have a collection account called " the bureaus '' on my transunion credit file. The bureaus is the owner of a charged off XXXX XXXX retail XXXX XXXX store card. I defaulted on this card XX/XX/XXXX. There is no useful data in the credit file on my transunion credit report that shows me the date of first late payment, the date it was charged off, the amount of time/months the account went without payments. It only shows me the date that the collection account was open with the bureaus in XX/XX/XXXX. The bureaus phone number is not on the credit file as well. If the information for charge off date or dates of non payments are not shown how can i dispute items that are 7 years old and ready to be removed from my transunion credit file? I feel they purposely hide this information so the consumer can not be aware. In order for me to be an educated consumer and exercise my rights I need all information provided to me and not just partial information. There is very little details about " the bureaus '' collection account on my paid service to transunion credit report and I feel all information about this collection account should be revealed to me on my transunion credit report without me contacting the collection company for this basic information about my date of first late payment, the date it was charged off, the amount of time/months the account went without payments.
I applied for a mortgage with two different lenders. I decided to go forward with the one who I felt was more ethical, honest and giving me the better deal. The first guy got upset ( he actually told me that it 's upsetting, because they did a lot of work, but even after he initially quoted me an insulting interest rate, I still gave him a chance ). At any rate, I felt like he was not being upfront & honest, so I cancelled the deal with him. I had, however, already paid for my appraisal ( I actually paid {$500.00}, but the cost of the appraisal was only {$450.00} ). 
I formally requested my appraisal in XML, which I had to threaten him with with filing a complaint with the CFPB & only then did he finally send it, but he has refused to send an appraisal transfer letter an XXXX Compliance Certificate and the XXXX Cert. It looks like classic slow-play from a scorned lender.
XXXX XXXX XXXX is collecting a debt that I am not aware of and the license number XXXX is expired to collect in the state of Florida the account number for this debt is XXXX .... 
The amount trying to be collected is XXXX I would like this collection to be deleted from my recent credit reports Last 4 of my social are XXXX