WillisBack/dataset-financial-user-claim huggingface dataset:
Selene Finance foreclosed on my property as I requested in the previous CFPB Case thanks to your help. They sold the property on XXXX XX/XX/2017. But since that date, they left the account in limbo. They report the account is open to all three credit agencies with {$1.00} as the balance. It has been months with no resolution. The information I gathered is all by phone and the company refuses to send me information via mail regarding the status or future of the account.
This credit report agency has the wrong if not precise report from creditor which is not true causing conflict with merchants regarding Lawyers, accounting experts and etc contacting me via mail and with certification of tax lien imposed on me through IRS which is not so. I contact the number given of the county clerk in XXXX County and they indicated that there were no Legal Tax Lien on my account. I then contact the credit agency without making a report regarding this matter in which they replied that this case is active. This is fraudulent according to the State Law and it has to be dealt with accordingly.
XXXX XXXX reported my collection Account was In a paid was charge off status and transunion refuses to correct this. The account balance is XXXX my obligation to XXXX XXXX is reached and the account is no longer in a charge off status it is now current and paid. 

Capital accounts and pet vet has asked for have these account removed and transunion is still showing the account.
I 'm writing to complain because some of these inquires were removed from my credit report and then put back. There was a glitch in the Transunion 's system inXX/XX/XXXX and the inquires that were deleted got add back to my report and I want them removed. Also some of these inquires I did n't authorize at all. The inquires that were add back to my credit was. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX The inquires that I did not authorize is XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( I only authorized them to run my credit once but two inquires are showing up for the same day ) XXXX XXXX XX/XX/XXXX and XX/XX/XXXX
I use an app/company called XXXX XXXX to add money by electronic deposit into my account. Bank of America does not keep the amount in my account up to date. Sometimes it goes for days without updating. For example right now on the app it is showing my account to be {$20.00}, when in fact my balance is over {$1000.00}. The app sees that the balance is only {$20.00} and it causes delays in my deposits.
Apartment complex I previously lived at imposed a debt long after I had left. They stated there were damages to the property. There is no proof in receipts of work done or actual damages. I am requesting to have this collection removed and dismissed. This is a tactic by apartment rentals to nickel and dime. I left the apartment in excellent condition.
This company continues to call my daughter, who is now XXXX but was XXXX at the time of her XXXX. Despite giving them my phone number on numerous occasions and my listing as the responsible party for finances on the account, they have never contacted me, but continue to call my daughter. Today 's call was a " XXXX XXXX '' who threatened that police would come to our house and take her to jail if the debt was not paid in full over the phone to him. I contacted the company and despite being able to pull up the account without me giving them any information, they denied that they had ever had my contact information. My daughter is XXXX and now XXXX by the way she was spoken to and the threats made by this company over the phone.
The mortgage was paid off in full on XXXX/XXXX/XXXX and Bank of America submitted the Deed of Release to XXXX XXXX, XXXX XXXX XXXX of Deeds. The instrument number that Bank of America submitted was voided due to missing an e-file certification page. Bank of America never resubmitted the release of deed. I am currently trying to sell the house and I am having issues trying to get this from Bank of America. I have contacted them over XXXX times and feel that nothing has been accomplished. I do not know what steps I need to take next in order to obtain this release of deeds from them. I am attaching the instrument number that Bank of America initially submitted that was voided.
After 5 years of on-time payments, my request for co-signer release stating " you are not making the required consecutive on-time principal and interest payments based upon our required standard for credit review criteria. " Navient needs to release my grandmother of XXXX years from this account. She is paying for XXXX care and needs to have this loan released. In the meantime, I am checking with banks to have it refinance. I do not believe that Navient is a reputable company.
I had a mortgage loan with Ocwen/ GMAC that was paid in full in 2006 as of today it does still as open on my credit report
In  XXXX   2017  I switched my billing to eBills through my bank,  XXXX   XXXX . When the bank processed my eBill, the minimum payment due reflected as my entire balanc e ( so m e $ 4,000+ ). The bank did not process my payment due to the erroneous amount. I contacted Best Buy Credit Cards ( Citi Bank ) and explained my issue. I was told that any late fees would be reversed and that my   minimum payment due was that which reflected on my paper statement, about {$44.00}. I made that payment. The next month I received another bill with the late payment still assessed. I made my minimum payment due on time because the late payment should not have posted per the agent 's discussion. The same thing happened in  XXXX  except  XXXX  late payments were now assessed. When I called the contact center I was told that, despite the agent in  XXXX  accepting the payment as a bank error and thus reversing the charge, that I was still responsible for paying the late payment even though I was told it would be reversed. I remitted my minimum payment due per my original cardholder agreement and instructions from the agent.  <P/> Since then I have received no fewer th an 2-3 calls per day from a collection arm called Citi Client First. I finally spoke with them and expla ined my issue. I have been remitting my minimum payments due less their erroneous fees. The escalation agent,  XXXX , told me that he would not be able to reverse any late fees despite the fact that this snowball effect has occurred outside of my control. I remitted a payment of {$110.00}  ( roughly 3x my normal minimum payment due amount ) in order to stop the harassing phone calls and voicemails. Because o f these fees charged, the extra monies paid will not go to reduce my principle. Instead, they will go to pay fees that never should have been assessed per the conversation made in  XXXX   2017 .
I got a new phone number out 5 years ago. Apparently someone named XXXX XXXX had the number before me. So for the past 5 years I have been getting calls from many credit collecting companies. I would explain to each company that would call me what was going on and to please remove my number from there calling list. They all said yes they would do this. But all they did is sell it to the next credit collection company and the next company would start calling me. I realize that I can send a company a letter to stop contacting me. But they will just sell my info to the next company and the saga continues. 

Thanks XXXX
Seterus is not applying my mortgage payment to my account correctly and is trying to apply late charges to my account. I have called several times to try and correct the issue and they will not correct the issue. They will also not remove the PMI on my account even though I have federal requirement for having the PMI removed met
Since XXXX Conrad Acceptance has been attempting to collect a debt I feel I do not owe. Since then XXXX attorneys have been contracted with Conrad to collect this debt. Although I disputed the charges and the contract, in the spirit of compromise, I was willing to pay this account in the purpose of merely to have this item eventually removed from my credit report. The scheduled payment was to be {$50.00} per month which I paid religiously every month, on time. On XXXX XXXX, XXXX the 1st payment was scheduled to be made and was paid, then immediately following that in XXXX XXXX Law turns the file over to XXXX XXXX XXXX XXXX, XXXX which I again pay on time only to have in XXXX XXXX XXXX XXXX XXXX takes over the case and there is a {$150.00} balance discrepancy which, I thought, was corrected and XXXX XXXX XXXX turns the file over to XXXX and XXXX XXXX XXXX in XXXX XXXX, XXXX now there is a {$250.00} discrepancy in the balance that is owed. XXXX XXXX, XXXX I submitted written notification to XXXX and XXXX XXXX XXXX notifying them and disputing the balance. XXXX XXXX, XXXX, nearly 6 months later I receive a generic reply with no supplemental or validation of the debt was submitted along with the correspondence as required by law. XXXX XXXX, XXXX Another letter is sent to XXXX and XXXX XXXX XXXX disputing the balance again and submitting with my correspondence all supporting documentation including proof of all payment made up to the date of my XXXX XXXX letter. No other response was ever made again by the Law Firm. XXXX XXXX was when I received another letter from another Law Firm attempting to collect this debt and now the amount is nearly doubled in collection fees and interest.
I received an auto call from XXXX, XXXX XXXX NJ on my home phone ( XXXX ) XXXX. The auto operator asked for me by name and said this is not a marketing call - the caller never identified who they were. When I did not press the prompt to identify myself, the auto operator left instructions to call phone # XXXX with a reference number beginning with XXXX .... When I dialed the XXXX number it was THE SIMONS AGENCY - a debt collection company. 

The contact tactics used are in clear violation of the FDCPA as the debt collector failed to disclose identity.
I want to report US Bank for illegally foreclosing on my condo by committed fraud on the courts. Included with this complaint is a report from a forensic document examiner who discovered that US Bank and/or associates forged my signature as well as submitting fraudulent document to the courts. After reviewing my evidence file at XXXX XXXX XXXX XXXX XXXX XXXX and consulting with an expert foreclosure attorney, I uncovered several facts that reveal US Bank intentionally committed fraud to take my property away from me. 

Fact 1 : They forged my signature on several documents including the promissory note. 

Fact 2 : US Bank initiated a foreclosure lawsuit in XXXX XXXX, XXXX claiming that they had possession of my original promissory note at the time they filed their lawsuit. This is impossible as the original promissory note was in the possession of XXXX XXXX XXXX record from XXXX and was released to XXXX XXXX XXXX in XXXX XXXX. 

Fact 3 : In XXXX XXXX my mortgage assignment was transferred from XXXX XXXX XXXX XXXX XXXX Mortgage, XXXX four month after US Bank initiated their foreclosure on my property. I do n't understand how US Bank had positioned themselves to continue with their foreclosure when they were n't a legitimate party in this transaction. 

Fact 4 : My initial lender, XXXX XXXX XXXX XXXX, who went out of business in XXXX, acknowledged in XXXX XXXX that my promissory note was either lost or destroyed when they submitted a copy to XXXX XXXX XXXX XXXX. I do n't understand how US Bank or XXXX claims that they have the original when it was reported lost or distroyed. 

For over three years I have been fighting to save my property from banks who were not willing to work with me and my attorney. Despite me having the financial mean to meet their financial demands they still refused to come to any agreement. Today I am convinced that US Bank has been obstructing any chances of me keeping my property. They have gone to great length of committing fraud to take my property that is n't legitimately theirs. 

In XXXX XXXX, US Bank succeeded in foreclosing on my property but my case is on appeal since my bankruptcy dismissal. It will be months or even over a year before we can go before the judge share our discovery. I want to report US Bank for committing fraud.
Over the past 3 days I have input my information into the place a freeze and all but once they can not process the information, try later. Finally I got past that point and they recognized my record and stated need to pull more info up - and then popped up the message can not process the information, try later. Tried later, got to second screen and it is asking me to clear a freeze when their system has never allowed me to place a freeze. And if their system believes it has a freeze - I have not created any passcode or method to unfreeze it so I need help. Try calling for help and get stuck in auto voice XXXX - The credit service that caused us to have to do this can not get it done - got the other two done in 10 minutes total time - pushing 4 hours with Equifax. They should have manpower setup to help resolve these issues as I can see from the web that they are totally failing the consumer now.
After the XXXX transfer to XXXX, attempted to gain access to my account with the use of my SSN. Their website said that they did not have my SSN on file, regardless that I have a loan with them. Attempted to call every phone number they had online, but in order to do so I needed to input my SSN, which they apparently did not have on record. Also attempted to contact them through the site, but they STILL needed my SSN. With the way the present site is set up, there is no way I can even get ahold of customer service ( i.e. and actual person ) to help me with the issue.
I disputed a medical bill from XXXX XXXX XXXX on XXXX and Equifax credit reporting agency because I don't recall owing that debt, the medical bill was removed from XXXX but not from Equifax to date which is negatively impacting my credit score. Amount : {$110.00} and original creditor : XXXX XXXX
I had an unauthorized inquiry on my Equifax file on XX/XX/2016 from XXXX. I filed a dispute online with XXXX and even filed two disputes with Equifax. I even called Equifax and one time the gentleman mentioned it would drop off within 24 hours. Well its been months and I finally received a company letter from XXXX on XX/XX/2016. They apologized and stated on the letter it would drop off my file which it HAS NOT and its been over 6wks. I sent that letter over to Equifax in my last dispute and they refused to remove it stating that it needed to come from XXXX. What more proof do they need and I have NEVER requested any services from XXXX and their letter states that with an apology. I do n't care what Equifax needs in terms of " their procedure ''. Fact of the matter is, it was unauthorized and I have an actual company letter to confirm that. The last girl from Equifax made it seem its ok to have this inquiry and that it falls off after two years. Well I know the rules of inquires but that is only acceptable when they are AUTHORIZED by me. This was not and everyone from Equifax on the phone was not helpful at all. They were all over the place and figures when one said it would drop off my file within a day and the last person I talked to said my XXXX letter does nothing to help them remove it.
XXXX XXXX 
To:
XXXX
Bcc:


XX/XX/XXXX at XXXX XXXX

ON XX/XX/XXXX i wrote Portfolio recovery Associates and i asked them not to contact me by phone only by mail. I sent them a certified letter which they did sign.  I received a phone call from them at XXXX XXXX XX/XX/XXXX. They did not leave a message. They are calling on the land line and cell.  Please see the attached documents for your reference. This is direct violation of the FCRA rules. So far this does not appear to be a reputable agency and i am not happy with the quality of service and i wish to file a formal complaint.

I sent the above correspondence to XXXX

I also sent them a copy of the letter asking them to only contact me via us mail not by phone. Which I have responded to them by US mail in a very timely matter.

I also sent them a copy of the certified letter which has their signature that they did receive the letter

I also sent them a picture of my cell phone log showing them Portfolio recovery calling me on XX/XX/XXXX at XXXX XXXX.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this XXXX XXXX
We have filed several complaints about Ocwen Financial Services for force placed insurance for over 3 years. We went ahead and paid the amount for the force placed insurance when they started sending us late payments and foreclosure notices while fighting the charges. They finally reimbursed us the amount we paid for the force placed insurance and removed the escrow balance. However, they still have not restored our mortgage payment to the scheduled amount. They are charging us extra fees in the amount of {$13.00} for late fees/other charges when we have not been late ( see attached ). 
Additionally, they reported to the credit bureau that we were late XX/XX/XXXX, XXXX and XX/XX/XXXX when they assured us that while the account is in dispute, they will not be assessing any late fees or report any late payments to the credit bureau. We sent them the attached email to request that they remove the late payments on our records but they have not replied. 
We would like Ocwen to restore our mortgage to its scheduled amount and remove any other fees that do not apply. Most importantly, we would like them to remove the late payments that they reported to the credit bureau as the account was in dispute during the time they reported these late payments.
THE BUREAUS HAVE FAILED TO PROPERLY INVESTIGATE FRAUDULENT, ERRONEOUS THATS A RESULT OF IDENTITY THEFT
Bank of American delayed approval of my shortsale request for 18 months in violation of numerous regulations. I had a patient buyer who worked with me to constantly resubmit contract extensions as we awaited approval. While it was pending the last step, I called Bank of America on a daily basis for almost 1 month and never got a returned call -- and then just learned that they transferred the mortgage to XXXX and closed it this month without providing adequate notice and in violation of regulations.
XXXX, XXXX and Transunion continue to report these inaccurate items on my credit report. XXXX : The amount of the loan is incorrect, the date started loan is incorrect, the late payments are incorrect, the monthly balance is incorrect, the loan terms is incorrect. <P/>XXXX XXXX : Past due amount is wrong, late payments are wrong, status is incorrect. <P/>XXXX XXXX XXXX : The amount past due is wrong, the initial amount is wrong, status is wrong. <P/>XXXX XXXX : The last date report is wrong, late payments are wrong, the balance is wrong, the status is wrong. <P/>I have contacted all of these companies personally and they continue to state these items are verified and no change has been made. I have disputed these items with all three credit bureaus multiple times and I 've received reports stating these items are valid and no change. I am looking to purchase a home and these accounts are affecting my chances of getting approved. Please Validate these accounts or delete these items off my credit report. Thank you.
I am reaching out to Consumer Financial Protecttion Bureau regarding an issue with my Escrow Account through Loancare. 

I contacted them by e-mail on XX/XX/XXXX @ XXXX XXXX Below is the e-mail sent to the company : Good afternoon, I am reaching out to LoanCare regarding our Escrow Shortage. 

I received an escrow statement informing myself and my husband that we acquired an escrow shortage. The year prior we did not incur an escrow shortage. That figure should have been in place to ensure that the escrow account acquired proper funding to pay all necessary mortgage fees. The escrow amount was altered the beginning of XXXX which resulted in a shortage of funds. I confided in LoanCare to calculate escrow to cover all expenses to include MPI, city and county taxes, as well as Home Owners Insurance. LoanCare has failed to calculate the escrow accordingly. I feel I should not be penalized for a mistake LoanCare made. 

I refuse to make a payment on the escrow shortage until I receive an explanation as to why there was a deficit on our escrow account. Additionally, the shortage that appeared on the statement was incorrect as well. 

The breakdown of the costs which our escrow account pays are as follows : XXXX Home Owner 's Insurance XXXX City Tax XXXX County Tax XXXX MPI Total : {$3000.00} The total amount of contributions to our escrow account for 12 months is : XXXX ( year XXXX ) {$2800.00} Shortage of escrow ( XXXX ) : {$230.00} The new escrow amount of {$250.00} ( year XXXX ) will result in yet again, another shortage for the upcoming year. 

Please explain what method was used to result in the {$330.00} figure that is referenced to our escrow shortage. 

As of today 's date, I have never received a response. I attempted to contact them by phone, only to receive a message of " If this is normal business hours, we apologize for the inconvenience. '' Shortly after, there was a disconnect. 

I would like to discuss my Escrow account as the Escrow Loancare is stating is due is not the correct amount. 

The year prior, our escrow amount covered all disbursements. However, after lowering the escrow payment, we now are forced to pay a shortage. 

In addition, Loancare disabled our online account due to being in Bankruptcy. With that being said, they allowed us to pay our mortgage online for 4 years of bankruptcy, after than point they realized that we were not allowed to pay our mortgage online since we are in bankruptcy. I find this rather concerning that after 4 years they finally noticed the error. 

I would like a response from Loancare regarding the discrepancy in our Escrow Shortage. 

Thank you for your time. 
XXXX XXXX
Experian on report XXXX for report date XX/XX/2018 stated that two bankruptcies XXXX  and XXXX were verified by the company, while not identifying the third party company to support their verification. Experian in their illegal activities of inaccurate reporting. Instead of verifying just adds additional names, in my case XXXX XXXX to your credit profile because without that entry they couldnt falsely verify items. The fact that a company reports a name doesnt mean its factual or accurate, Experian as part of their business model has a service that verifies names to social security numbers and if such care had been taken these issues wouldnt have occurred Secondly name identification XXXX  isnt mine, name identification no XXXX, XXXX, and XXXX arent mine and unless the social security administration verifies those names with my social security number, they are falsely reported.

XXXX previously report as XXXX XXXX XXXX company rereported in violation of the statue, additional such account is associated with a name that doesnt verify with my social security number.