WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX ,  2017   XXXX   XXXX  sold my mortgage over to LoanCare, A  XXXX   XXXX . Per instruction, I updated my account information with my bank  XXXX   XXXX  and my mortgage payment was sent by the bank on  XXXX   XXXX  as it always has. ( I updated the account information on my account online in  XXXX , before my  XXXX  payment was sent ). The payment amount is {$750.00}.  <P/> The week of  XXXX   XXXX , I received a statement in the mail from LoanCare and it showed a past due amount on my account and the amount owed forward. At that time, I went online to look into this further on my account on LoanCoare and when the  XXXX  payment did not show as processed, I called in and spoke with an agent. She advised me to send in a copy of my bank statement which was e-mailed to  XXXX  XXXX  XXXX  on  XXXX   XXXX  and I was told this would be resolved based off of the information sent within a few days.  <P/> By  XXXX   XXXX , I had not heard any response so called back into LoanCare and an agent told me that I would get a response by  XXXX   XXXX . I asked to speak with a manager because I wanted this resolved before I had to send my  XXXX  payment which was scheduled to pay on  XXXX   XXXX . I was told that I would be called back within an hour. Abo ut 5 ho urs later, I received a call from team lead  XXXX   XXXX   ( I D :  XXXX   )  who advised me that the information I sent on  XXXX   XXXX  was not sufficient and that I would need to work with my bank on having proof of payment sent over.  XXXX  and I called my bank together and filed a request for information to be sent to LoanCare which would take ~3 business days. In the meantime, the agent at the bank advised me on how to get an image of the processed check and the image was sent to  XXXX  at  XXXX  XXXX  XXXX .  <P/>  XXXX  and I reviewed the check image and realized the bank had misprinted the account number on the check and used my old account number. She said having that information was helpful and she would be able to escalate my concerns and hopefully get me an answer within a day or so. After not hearing back from  XXXX   XXXX  Wednesday,  XXXX   XXXX  I called back into LoanCare and spoke with  XXXX   ( I D :  XXXX   ).   <P/>  XXXX  was unable to provide me any updates as I had just missed EOB for the day ( it was  XXXX   XXXX  ) so she advised me to call back in the next day and gave me her phone number to use which was  XXXX . I called in 3 times on  XXXX   XXXX  and le ft 2 s eperate messages asking for her to call me back with no response. I called back this morni ng (   XXXX   XXXX ,  2017 ) and  left yet another message for  XXXX  with no response. My payment of {$750.00} for  XXXX  has still not processed to my account even though the check was deposited and the money withdrawn from my account.  <P/> I have spent a countless number of hours trying to get to a resolution and the company is not providing me with updates. I need answers about where my money is and what it was not applied to my account.  <P/> I dind't choose this mortgage company, my loan was sold off to them and so far it has been a terrible experience all around.
Please sanction Wells Fargo Home Mortgage. As I approached the end of my Mortgage Obligation, including a point when the funds in " Our '' escrow account were sufficient to retire the Principal ( including any related " nuisance '' interest for whatever number of days of interest Wells Fargo Home Mortgage could conjure for its administrative delays ) -- yet, payment demand continued. Then, with a final insult of a colloquially-known " Loan Payoff '' form letter from Wells Fargo Home Mortgage, it adds the audacity of " we require the loan to be paid in full. '' This despite the fact that this same form letter shows a dollar figure of " Your Escrow Balance '' -- as in " my '' ( " my money '' ) which pays not only what was demanded therein but would 've covered the principal pay-off, accumulated interest, and associated conjured fees from the statement preceding. Yes, this likely only happens for a borrower one time in a loans ' lifecycle -- but, I neither have any control or recourse. It is only " my '' Escrow Balance when it is convenient for Wells Fargo Home Mortgage to label it as such. Instead to the very end, I am supposed to pay-in on a deadline with consequence, while the return of the Escrow Balance when all is done and said will take its time and will be at no risk of consequence in the event of Wells Fargo Home Mortgage delay or error. I submit this first-off to get a Case Number, so that a record of some sort exists when Wells Fargo Home Mortgage fails to perform what they indicated will be done, which is to apply monies from the Escrow to close-out the Mortgage Loan, before sending the balance of unused Escrow to me. 

In the larger sense, I ask why, would not the forward calculations be made to automatically apply the Escrow Account balance when the Principal, Interest, and pending or anticipated Escrow-covered-disbursements net to zero -- send that as a notification ( perhaps even with a pending period equivalent to whatever policy-based delay the Mortgage Lenders currently have built-in before returning " unused '' Escrow Funds ). In this way, administrative overhead for the Mortgage Lender, and Customer inconvenience of arranging pay-off would be effectively eliminated. XXXX imagine that, ... the Mortgage just ends saving at least two unnecessary exchanges-of-funds. Recall that the Mortgage Lender has all of the information and control -- all I get is the " of course '' when something is screwed-up!
THIS IS A RE- INVESTIGATION MATTER. AS YOU CAN SEE FROM MY CREDIT FILE I HAVE HAD IDENITY THEFT BEFORE. SOMEONE HAS REQUESTED A INQUIRY ON MY CREDIT FILE AND IT WASNT ME. I HAVE SENT LETTERS TO ALL THE CREDITORS LISTED BELOW ASKING FOR REMOVAL OFF MY CREDIT FILE. FOR INSTANCE WHY WOULD I REQUEST XXXX XXXX TO PULL MY CREDIT BACK TO BACK NUMEROUS TIMES IN A 2 DAY PERIOD. DOESNT MAKE SENSE. I AM REQUESTING FOR IMMEDIATELY REMOVAL OF THESE UNAUTHORIZE INQUIRIES THAT I DID NOT AUTHORIZE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM XXXX AND DO NOT DRIVE DUE TO A INJURY IN XXXX THESE ARE AUTOMOTIVE INQUIRIES PLEASE REMOVE FROM MY CREDIT FILE
My mortgage payment of {$2000.00} was wired to Nationstar Mortgage on XXXX XXXX, 2015. My bank has confirmed the payment was made and received by Nationstar. Due to an incorrect account number keyed in Nationstar was n't sure where to apply the payment so they have said they returned the {$2000.00} to XXXX Bank. I have made numerous calls to XXXX Bank and as of XXXX XXXX, 2015 they have been unable to locate the money so have requested I ask Nationstar that they provide me the routing and account number of where the refund was sent. Nationstar does not seem to be able to or does not want to provide that information. After over XXXX in coming and out going calls and XXXX months later there is still no resolution. However, in the mean time myself and husband have been sent to collections over a payment that was made and received by Nationstar. I have always prided myself on making timely payments and keeping my credit in good standing. At this point I am frusterated and am not sure what else to do. I suggest you go to Nationstar victims or Nationstar bandits take a look at their XXXX reviews its very apparent I 'm not the first victim here. 

If needed I can provide very specific information of the people I 've spoken with at Nationstar, email correspondence records as well as in 5 days I will have from XXXX Bank copies of the XXXX way calls between Nationstar, XXXX Bank and myself. XXXX Bank has told me they have never delt with a mortgage company that is as difficult to deal with as Nationstar. 

Lastly in the " attachments section '' I have attached a time line letter I have sent to someone else who I 've reached our for help as well.
I have been charged erroneously for late fees that should not have been collected, as my payments were made on time since I had a Bankruptcy in XXXX, and they have also collected a number of fees relating to the Bankruptcy.
Please be advised ; Credit card Company sold my Account to 3rd party ... after my bankruptcy discharge. Now 3rd party has put remarks on my credit report as of XXXX. The discharge was XX/XX/XXXX. Be aware, keep your report updated. This is illegal to do against Consumer. Bankruptcy laws, very specific, you can not keep hammering the consumer after the fact. All and any debt, notifications, phones calls, mail, any type of contact or harassment by the debtor is forbidden, even posting remarks on credit report. Read the Bankruptcy laws credit card Companies and smarten up!!!
XXXX XXXX XXXX XXXX failed to communicate a transfer a service which resulted in a payment to Earnest that should have gone to the new loan servicer, XXXX XXXXXXXX XXXX.
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) Chase/XXXX XXXX, account number XXXX ; 2. ) Chase/XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
I had a loan with XXXX XXXX XXXX XXXX. I paid the loan in full, earlier than the original pay-off date. I asked Transition to update my file to reflect the loan as " paid ''. Instead they deleted the entire tradeline. Clearly, no proper investigation was conducted and I lost a positive trade-in.
I would like to reopen a disputed transaction that Bank of America considered as resolved. It is about my recent dispute transaction with XXXX ( Claim ID:XXXX ). XXXX took out {$100.00} from my account without my authorization because their ticket buyer claimed that I sold invalid tickets. XXXX emailed me about this and asked me to obtain every proof that I can get from the venue itself, as well as my proof of purchase. I replied to their email right away and gave them everything they asked for ; however, the venue was not able to give me ticket scans. I sent XXXX all my chat conversations, and they have decided to take out the money from my account without giving me proof that their buyer was telling the truth. I am furious that Bank of America allowed XXXX to take out money from my account without my authorization. During the dispute process, XXXX sent them data and information about the transaction, and sent them user agreements from their website. As quote on quote stated on their user agreement : " If you fail to respond to this email and or to take any other actions required by XXXX to investigate the invalid ticket claim, you may be charged an amount equal to 55 % of the cost of the original tickets. In addition to the invalid ticket charge described in the paragraph above. A respnse constitutes an acknowledgment of our request and bonafide the effort to investigate the clain and obtain documentation. HOWEVER, FAILING TO RESPOND, AND NOT BEING ABLE TO PROVIDE DOCUMENTATION ARE NOT THE SAME. WE UNDERSTAND THAT EVERY TEAM AND VENUE IS DIFFERENT, AND THERE MAY BE CASES WHERE YOU CAN NOT OBTAIN DOCUMENTATION TO ASSIST IN THE INVESTIGATION. IN THESE CASES, WE 'LL WORK WITH YU AND USE YOUR HISTORY WITH US, SPECIFICALLY YOUR INVALID TICKET CLAIM RATE TO DETERMINE THE RESOLUTION. '' XXXX in no way worked with me on this when I emailed them and asked them for proof that the buyer was not lying and was not able to use my tickets. They did not reply back after they have already taken out the money from my account. I used their chat option to be able to talk to a representative, and I told the chat agent that I have a clean selling history with them and asked them to reconsider their decision, but they refused to give me that and they blocked me from using their website. Bank of America overlooked this on the documentation that XXXX sent them, and I still do not understand why Bank of America considered this as resolved when nothing has been resolved. XXXX refused to work with me even though their user agreement states that they will work with sellers when it comes to special cases like mines.
I have 2 invalid accounts from XXXX XXXX XXXX on my XXXX credit report. One is for {$200.00} and one is for {$50.00}. I have done proper disputes on these accounts with XXXX beginning XX/XX/2018. I also filed a request for debt validation from XXXX XXXX XXXX on XX/XX/2018. XXXX has not verified these accounts or identified the original healthcare provider, and continue to verify these false unknown medical accounts to XXXX, the only credit reporting agency reporting this information. 
Verifying information to credit reporting agencies without proper validation is a violation of consumer laws.
XXXX XXXX XXXX XXXX/XXXX/XXXX need proof of Authorization for these inquiries
I was alarmed when I ordered my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
i already have a reverse mortgage and within the last 5 years married a wonderful woman and wanted to refinance the original mortgage to get my wife on rhe mortgage.what started out as a simple act became very difficult.after i paid {$120.00} to have a counselling session done i was told that i was in trouble with the refi because of some recent credit card problems of mine.they demanded medical records from me for a vehicle accident i had in 2016 that has caused my credit card problems now.i refused to give them any medical records and believe that to be a illegal request, they asked other questions about some timeshares i have when they they have no bearing on this mortgage.for the original reverse mortgage i have dutifully paid the taxes every year as well as up keep as well as house insurance without missing a beat.as i read reverse mortgage that is all that is needed.i will not jump thru any hoops that the laws says i do not have to do.
I called XXXX XXXX XXXX to submit a fraud claim against XXXX an online money transfer service which took {$400.00} out of my account without my permission. I have checked the account for mircotransactions to see if XXXX used this trusted method of 2 step verification and they did not. Per their website the only other possible way for someone to use XXXX to send funds is to use my username and password for Chase ( I do not have a XXXX account and have never had one ), but I do not see that anyone has logged into my account other than myself. Upon filing this claim via phone with Chase I was informed that the only way to ACTUALLY submit the claim is to sign a form and mail it in or have it faxed. As it is no longer XXXX I do not currently have a fax machine and I do not regularly use the postal service because of the existence of the internet. This means that I am forced to either buy a fax machine ( and a landline service to attach it to ) or purchase an envelope and stamps to mail it in. Failure to mail in this form will result in the bank rescinding the account credit for the fraud and leave me ( the innocent party ) to pay for the transaction in the first place. Per Section 205.11 Procedures for resolving errors : States that if a consumer notifies an institution that an error involving an EFT has occurred, the institution must investigate and resolve the claim within specified deadlines. Errors covered by this requirement include unauthorized EFTs, incorrect EFTs, and the omission from an account statement of an EFT that should have been included. Using this logic : my phone call has satisfied the requirement of regulation E and that further notification or written statement should not be required. However, I am more than willing to provide said statement should Chase offer me a cost neutral means of doing so. I would ask that the CFPB enforce regulation E as written and not allow banks to make up their own barriers to make it difficult to file claims particularly as we may not all currently reside in the United States or have access to said measures.
On XX/XX/XXXX, I called Peak Acceptance on my behalf for explanation on why my auto account was still opened from XX/XX/XXXX. They gave the total amount due of XXXX and it will remain open until its paid off in full. I have asked if they can change the Open Account to Repossession or Charge-Off, they refused.

I went further to my next step to work with XXXX  Credit Bureau.

On XX/XX/XXXX, I contacted XXXX  over the phone to explain my situation with Peak Acceptance, and they tried to do a three way call, but no one picked up on their end of the call. So, I continued to finish up the dispute on-line and did a follow-up over the phone with XXXX. On XX/XX/XXXX, I received an email that my dispute results were ready online. I finally was able to contact XXXX by phone to get the results and asked why Peak Acceptance refused to change my credit report on my open account? Again, the Representative with XXXX made their effort to dispute on my behalf and they were also given the same information that my account will remain open until its paid in full. This gave me the opportunity to consult CFPB to hear my end of the story where I ; m trying to work things out on my own. At this point, I have to go further than I expected.
this account is a result of my identity being stolen I havnt authorized the use of my personal information regarding this account # fior ars account resolution # XXXX this is being fraudulently reported to the credit bureus and being held by your company.
Could not obtain free credit report from Experian using the annualcreditreport.com site because when Experian 's turn came their web site reported some error and gave a postal address to use to request a report. I visited Experian 's site ( to find a way to complain ) and saw an offer for my report and my credit score for {$1.00}, and agreed to the {$1.00} cost, rather than go into the hassle of ordering a report by postal mail. They charged my card {$1.00} on XX/XX/2016 and I received a score and was able to download my credit report. On XX/XX/2016 my card was charged {$21.00}. I immediately called Experian to request a refund. They informed me I had signed up for a recurring charge and no refund would be given. I insisted and asked to speak to the representative 's supervisor. After a brief wait another person came on the line and said no refund be given. I told her I would look for a way to report this and considered it a fraud and a scam, and that I never knowingly signed up for any recurring charge. She basically said " go ahead ''. She insisted the site showed a notice that I would be signing up but I insisted that web servers sometimes have errors or have pages in the process of being modified and that I did not get any such notice. She again refused any refund. Of course I cancelled the recurring charge but it just was not worth the life stress that would be caused by pursuing the {$21.00} already charged ( not knowing I could report it here ). Also I actually fear these credit reporting companies, which hold so much power over our credit, and I did not want to take the risk that someone at Experian might retaliate in some way. But today I saw a news report that seemed to indicate others had this same problem and the company had agreed to refund customers charged in the scam. I would like to add my claim to the list to be refunded.
In XXXX of XX/XX/XXXX cable was disconnected for non payment by XXXX XXXX,. In XX/XX/2018 i recieved final bill for service and all equipment was turned in prior. Late XXXX i was still being billed for service i did not have called company they were supposed to have fixed bill late XXXX received updated final bill. XX/XX/XXXX I called to have my service reconnected and was told I had to pay off the old bill of {$230.00} in which i did to receive new service. paid the amount in full started new service. in late XXXX I received a collection notice saying I owed a past due bill of XXXX called collection company and XXXX to resolve matter, XXXX claimed they had to research the matter in XXXX received a collection from diversified counsultants called and explained to diversified consultants that XXXX had yet to verify my collection and my situation i again called XXXX to verify the debt and correct the situation again told they would research and get back to me. called XXXX  again in late XXXX they stated the would get back to me after research in late XXXX added collection to my credit report by diversified consultants. Neither company will verify the debt or where the balance came from
We are exhausted after several months try to work in a reasonable agreement with DITECH Mortgage ( former Greentree ) this company has been delaying, rejecting, postponing and unreasonable denied any chance to review our request for a loan modification initiated at the beginning of this year and submitted using all ways possible phone, fax, mail, email, servicer website, hope loan port, senator warner and more, and nothing, nothing happened besides DITECH letter stating that they will close my case for no documentation!!!!! 
My housing counselor was struggled and frustrated dealing with this company they are acting just as a collection agency with total disrespect for the good faith of client, consumers and same government. Please help me with my case
My information was stolen in the certegy incident. There 's also items which keep getting reinserted to my credit report whenever a new debt collector buys the out of STAT debt. No investigation was even undertaken because the credit reporting agency is also doing debt collection, which would seem to be illegal and a conflict of interest ... I was never given any lines of credit since age XXXX.
Specialized Loan Servicing LLC took over my loan. They have ignored documents that i faxed to them regarding property insurance and have started charging me an escrow fee for insurance. This loan was previous serviced by two other companies, neither of which charged me any fees. When i try to contact Specialized to get this dropped i get run around.