WillisBack/dataset-financial-user-claim huggingface dataset:
It is about Escrow balance last year. I moved in to my new house XXXX/XXXX/2016, the escrow that they hold was about {$9000.00} to pay for Home insurance and property tax. The XXXX tax that they pay was only {$500.00} and Homeowner insurance is only {$810.00} dollars. They send me analysis that I have big balance and it is going to be refunded to me by XXXX. It is now middle of XXXX, I still did n't received the money. I called and send several emails, they said it is process and takes 7-10 business days. I am getting no where with Seneca Mortgage Company.
I received a copy of my credit report from Experian and per review, a stated public record is listed to my report for Bankruptcy. I sent a certified letter to Experian on XX/XX/2018 requesting an investigation for state public record listed to my report. I requested Experian Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. 

In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, per attached states, " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. '' Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature.

I also, received a letter from U.S. Bankruptcy Court XXXX XXXX of Wisconsin stating " The U.S. Bankruptcy Court does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act.

Experian is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any accounts to my report referencing Bankruptcy information.
The consumer 's Agent with Power of Attorney in Fact proceeded to validate a debt in dispute status currently being reported by company NCB MANAGEMENT SERVICES INC to the 3 Major Credit Bureaus. After a fax communication to validate the debt and provide company tax identity information per [ FDCPA 809 ] XX/XX/XXXX, provided on XX/XX/XXXX a fraudulent debt that leads one to the conclusion that NCB has on file an account number confirmed to be different from the " Original Creditor ''. The information NCB provided contains False and Misleading Representations of the truth [ FDCPA 807 ( 2 ) ( A and B ) ] in what seems like an attempt to start a whole new contract with the consumer. This is not the consumer 's wish.
I attempted to dispute this with the credit bureau, Equifax. However, their webaite continues to advise that I have my information wrong. I was only putting in my personal information. It has stated that for 2 days. 

I submitted loan discharge paperwork to XXXX. The debt with XXXX qualifies to be deleted and discharged due to the qualifying event provided in the paperwork. The department of education advised me to file this paperwork based on the qualifying event. This tradeline needs to be deleted.
On XX/XX/2018, I received my second notice from XXXX XXXX that my Credit Score has dropped 30 points at a second Credit Bureau in the past week and I'm not sure as to why, the account in question has never nor is it currently behind. The Creditor says that they submitted the amount that is currently due this month and before I could pay it on XX/XX/2018, XXXX and Experian has dropped my credit Score by 30-60 points and I would like to know why? A Rep a Experian said that it is because I exceeded 30 % of my total approved limit  for that particular card and that Creditors do not want you to exceed that amount because they feel you are in debt and you can't pay it back. I understand that, but, shouldn't I at least get a chance to pay it before I get a penalty? We had a situation with my car this month and I put the one time charge on my card not knowing that I would suffer a penalty, isn't that part of what you get these cards are for? I wouldn't normally complain but this policy doesn't make sense, the bureaus say that this limit is designed to stop you from defaults but, if I have a low limit card ( say about {$3000.00} ) and it goes over a {$1000.00} I get a penalty. They say that you are High Risk of not paying it back but, if I have a card that is limited to say {$11000.00}, I can charge $ 3200+ and I'm fine and I'm doing a great job ( credit Wise ), even though I'm at a greater financial risk, Why? The government needs to have the bureaus explain this to consumers before you get this penalty. The Bureaus need to explain who and how these limits are determined. The bureaus are setting the limit on what you can use in any given month, SHOUD N'T THEY BE THE ONES APPROVING THESE CREDIT CARDS ALSO? What is the point of a creditor giving you a limit, if the bureaus aren't going to let you use it? The Bureaus have the power to destroy a persons life in seconds, but, once they give you a mark, it takes month to years to try and straighten it out, Why? The bureaus say that my credit standing is excellent, but I have a risk and usage level of only 30 %, Why? This is submitted as a General Use Statement and if you request further documentation, I can provide it.
XX/XX/XXXX I did a zero interest balance transfer with my Wells Fargo XXXX that had a zero balance at the time of the transfer. 
XX/XX/XXXX I had a fraudulent charge on my card interest began to accrue once it was discovered WF credited my account the full amount plus interest. 

Around the XX/XX/XXXX I noticed they were still charging me interest on the fraudulent charge. On XX/XX/XXXX they reversed the interest charges and was promised that it was resolved and it would not happen again. I was also told that they would monitor the account to assure it didn't happen again. 

XX/XX/XXXX interest was charged again. 
XX/XX/XXXX I called to report it and was told that someone within WF had check the account and did nothing to correct it. They are now opening yet another case file to investigate this. 

Since WF has a history of this XXXX, I thought you should be aware and could look into this possible affecting other people as well.
I am part of the XXXX Federal employees who have recently been furloughed due to a lack of funding for my agency. Because of this, my income has been severely cut and I am unable to pay the cost of my monthly payments, along with my other living expenses ( food, clothing, utilities, etc. ). 

On XX/XX/XXXX and XX/XX/XXXX I spoke with my loan servicer " Mr. Cooper, '' to request a temporary arrangement that would help me continue to meet my monthly mortgage payments in the amount of {$2300.00} without incurring late penalties and impacting my credit rating. 

In summary, Mr. Cooper will not consider my special situation ( or that of any of its Federal employee customers ) until I have already incurred late penalties and become delinquent because it is an intermediary ( loan servicer ) to the owners of my mortgage ( XXXX XXXX and XXXX XXXX. When I asked to contact XXXX XXXX and XXXX directly, Mr. Cooper clarified that I would have to do it via Mr. Cooper. 

I am extremely disappointed and concerned that my loan servicer Mr. Cooper coupled with mortgage owners XXXX XXXX/XXXX have not put a program in place to work with Federal employees while the government shutdown is resolved. Their current process of waiting for me to become delinquent adds to the hardship that my family is already experiencing. By charging me late penalties and damaging my credit, Mr. Cooper, XXXX XXXX and XXXX appear to be ignoring and showing ambivalence to the plight of their Federal customers. 

I have been diligent in protecting my credit and avoiding penalties I can not afford to pay. Furthermore, as a loyal public servant, I have worked hard, to be honest, and transparent with my creditors ; to make my mortgage payments on time and secure my home. I would greatly appreciate it if Mr. Cooper, XXXX XXXX, and XXXX would show willingness and understanding to work with me during this difficult time. 

I have sent Mr. Cooper a letter stating my distress. I would be grateful for any assistance the Consumer Financial Bureau can give me.
On  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   XXXX  inputted a credit inquiry on my credit report without my authorization.
Regarding our Wells Fargo Home Mortgage # XXXX which was paid off on XXXX XXXX, 2015 & gt ; Residential Address XXXX XXXX XXXX XXXX Oregon XXXX & gt ; Mortgage Bowerers ( us ) XXXX XXXX XXXX and XXXX XXXX XXXX & gt ; Complaint is that Wells Fargo Home Mortgage has not delivered to us any of the required Loan Satisfaction Documents. We have called twice complaining about this. The people we talked to at Wells Fargo about this deficiency have acknowledged the deficiency and promised to expedite the document processing and delivery to us, but this has not happened.
XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX I had opened an account through my XXXX office with XXXX XXXX in XX/XX/XXXX, I also co-signed for my wife 's account with for the same purpose at the same time. During the course of payments in XX/XX/XXXX XXXX posted pymts to my wife 's account, as opposed to mine, in the months of XXXX, XXXX & XXXX of XXXX. 

In XXXX of XXXX I spoke to them and they had in fact seen the error. I paid the account ( XXXX ) off in full XX/XX/XXXX to avoid any further issue. I was told by their rep, at that time, that I would receive a credit of XXXX for the late fees placed on the account due to their error ( which they applied on XX/XX/XXXX, and that the late payments showing on my credit report would be corrected. Actually, they said that the account would be bulls-eyed and that I should no longer see the account on my credit report after XX/XX/XXXX. I don't know what XXXX meant, but I was assured it would be corrected. The account had not been reported to the three major credit bureaus after that time as the last reporting was in XX/XX/XXXX. 

Unfortunately, after paying for credit monitering with Experian, I noticed the account was still showing incorrectly on my credit reports and asked for an investigation. Now after 2 investigations, and a whole lot of the blame game and which entity is responsible ( I was told - call the creditor - no - call the credit bureau ). And after showing proof of my claim, I still can not get the information to get corrected and XXXX XXXX, whose rep 's have been extremly rude, and Experian, whose rep 's seem to read off a pre-talking point memo, are refusing to correct the information. 

This is severely affecting, my otherwise, perfect credit, through no fault of my own.
I bank with Wells Fargo NA. I have had accounting discrepancies starting XX/XX/XXXX for  {$200.00}. I kept having discrepancies XX/XX/XXXX for {$1500.00} ; XX/XX/XXXX for {$380.00} ; XX/XX/XXXX for {$500.00}. On XX/XX/XXXX, I adjusted my account {$280.00} dollars to reflect what the bank had. I then had discrepancies on XX/XX/XXXX for {$320.00}. Then on XX/XX/XXXX for {$240.00} ; XX/XX/XXXX for {$260.00} ; XX/XX/XXXX for {$260.00}. OnXX/XX/XXXX a difference of {$300.00}. On XX/XX/XXXX, I again adjusted my account {$320.00} to reflect the banks numbers. On XX/XX/XXXX, right after adjustment, I had another {$100.00} difference! I then went into the bank on XX/XX/XXXX to talk to a banker about the problem. Her name was XXXX in XXXX, Nevada. We both had the same numbers, but she could only spend time to do 1 months worth of ledger. I have copied all my ledgers from XX/XX/XXXX to XX/XX/XXXX. I feel that I am out around {$750.00} to {$850.00} dollars. I will need to send the ledger copies to you! I have 5 sets of 20 pages. I have a mortgage with Wells Fargo.
On XX/XX/XXXX, my wife and I sent letters to the credit bureaus asking them to investigate errors on our credit report. I am attaching a copy of the letter we sent to them. They are supposed to respond within thirty days, but they have not.
I had a private loan that I took out in XX/XX/XXXX the maturity date was XX/XX/XXXX. It is now XX/XX/XXXX and they are trying to collect. Under the statute of limitations in California they only had 4 years to collect and failed to do so. Additionally I filed a chpt XXXX bankruptcy in XX/XX/XXXX and that loan was discharged b/c my school lost fed funding and we were required to take private loans-this is a reason these loans can be discharged. All other private loan vendors accepted this but not navient and they are hounding me incessantly.
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 accounts are 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. CFPB please step up and delete this ASAP.. This is ruining my credibility.. No one wants to grant me a loan because of this error ... XXXX   XXXX  ( reported duplicate on my credit report ), XXXX XXXX ( reported duplicate on my credit report ), XXXX XXXX ( reported multiple times on my credit report ), XXXX XXXX ( reported multiple times on my credit report ), XXXX XXXX ( reported duplicate on my credit report ) XXXX XXXX, XXXX   XXXX, XXXX   XXXX, XXXX   XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX
My issue is with my current mortgage company Ditech. I recently filed a complaint on how I have tried to reach them several times and now I am seriously delinquent with no options for us. They replied to my previous complaint stating they approved me for the HAMP program and that I declined it back in XXXX 2016. I was never approved for that program because if I was I would have taken it. I just would like resolution and to put my delinquent payments at the end of my loan so I can start making payments and start fresh since no one ever returns calls from Ditech and every week I have a new account representative.
I checked my credit on XXXX XXXX XXXX. Noticed that an account I do not know about was put into collection. That same day I made contact with the original creditor in which gave me the contact information who they had sold off the collection too. I was never notified or called once by XXXX XXXX XXXX  XXXX new debt collector ) and still have not received anything until this day. I 've made several attempts to contact the company which always ends in failure. I do not know what else to do at this point
I was a costco XXXX XXXX client who 's account migrated to Citibank during the visa conversion. At first I was happy with the change since the new card from Citi and XXXX have a better reward structure than my old XXXX XXXX card did. When I received my new Card from Citi, I noticed there was 3 different payment methods on the card. The first was obviously the magnetic strip, the second being the newly required EMV chip, and a third method being and RFID chip ( AKA Tap and Go ). Working in the finance industry myself, I am very cautious of my own accounts and the RFID technology is easily prone to hacking since the chip is continuously " broadcasting '' my account information. So, I asked Citi to send me a replacement card without the RFID ( tap and go ) chip via their secure messaging website. Unfortunately, the follow up with Citi has been atrocious. I have written correspondence from Citi that my card does not have the RFID chip in the card, even though it has the paywave symbol, and that the card would work by tapping and go. After the correspondence from Citi, I then received marketing materials in the mail advertising the Tap and Go functionality. With all the fraud going on in today 's world, I feel it imperative to protect myself against potential misuse of my accounts. I have had many different cards and every other bank with the exception of Citi, have been able to send me a card without the RFID chip.
My complaint is with coinbase.com. About 2.5 years ago opened an account and purchased some virtual currency. I did try to access my account for about two years, until X/XX/17. During that time Coinbase had added new security features for account access. ( 2 Factor authentication. ) I was unable to access my account. I corresponded with XXXX and Coinbase by e-mail ( there is no telephone support ) until X/X/17 before I was able to access my account. ( Over 60 e-mails! ) Once I was able able to do so, I purchase set a monthly purchase for additional virtual currency. Two days ago I attempted to access my account and, again, was unable to do so due to the 2F authentication. I have contacted Coinbase tech support through their web site, but have not yet been contacted. The first time I was somewhat patient ( perhaps more than I should have been ) since I had not accessed my account for two years. But now I am in the same situation after 5 weeks. I NEED access to my account! Coinbase needs 1 ) to provide phone support to resolve these issues in a more timely manner ; and, 2 ) needs to reevaluate their account security methods. Security is fine if it prevents unauthorized access. But it is pointless if it also prevents authorized access by the account holder.
Cashnet usa keeps debiting my account for {$100.00} which puts me in a rears with my bank the first time was XXXX and the second was XXXX, I submitted update back statement as request for the update for payment arrange but they refused to accept it.
1.Bank of America has a customer care number that goes around the country in all different states.There is no good help and resolution. The account was closed by Bank of America. I want the account closed and free permanently. But the account continues to have fraudulent activities and making the account balance which was XXXX at time of close on XX/XX/2015 changing and the closing statement shows credit balance on the XX/XX/XXXX. And because there was more fraud activities going on within Bank of America, the balance is changing. 
Help!!!!! Help!!!!! Please It seems that government department such as the FTC and crib phone numbers are being forwarded and transfer to some fake or fraud number or offices that are floating around all over the world!!!!!!! 
2.Please have Bank of America straighten the account as it should be. 
3.My email address is XXXX 
4.Bank of America credit card account number ending in XXXX. Please have this freeze and permanently. 
5.There is identity theft going on accessing my account. 
6.There seems to be charges on the account too high. 
7.Please do not publish my information but you can do so with the kind of incident.
My Investor on my property is XXXX XXXX. Select Portfolio Servicing Inc is servicing my loan. In XXXX XXXX I was approved for a HAMP modification and given XXXX trial payments. XXXX and XXXX XXXX and my last XXXX XXXX XXXX. I have made all my trial payments on time and verified that with the modification represenative and the mortgage company refuses to permanetly mondify my loan stating that HAMP wants a LOMA on my property. I called HAMP and they stated that the servicer is wanting that information due to it being about insurance not behind payments.This servicing company that XXXX XXXX gave my loan to be serviced by is sabotaging my HAMP modification so they can get my house. I want flood insurance, they lender placed it but state it does not meet their minimum requirements. Based on a letter sent to me the lenders placed insurance DOES meet the requirements. That makes no sense to me at all.
My payment went up due to my tax bill increasing. That is fine and I am willing to pay what I owe. Gateway additionally raised my payment by {$96.00} due to " shortage '' which is actually not a shortage but a reserve cushion. Although RESPA allows the mortgage company to collect a cushion, it is not a requirement per FHA, XXXX or XXXX so it is up to the mortgage company. I can not afford to give Gateway an additional ~ {$1200.00} this year just to sit in the escrow account and never be put to use. I emailed them and asked them to waive the requirement and they never responded. I left this " shortage '' off of my XXXX 2017 payment and now they are refusing to apply any of the payment until they receive it, threatening me with additional late charges and fees if I do not pay it. They have more than enough to cover the P & I and the stated escrow items, just not the cushion amount.
On XX/XX/2018 I wrote to Experian to have them update/correct my personal information that they have on file. As of XX/XX/2018 they refuse to remove incorrect information from the files they have on me. This is a clear violation of the FCRAs. These same false address are still appearing on my file as of XX/XX/2018. Please have Experian remove these addresses ASAP. 


Again please have them remove all other addresses and names other than stated above.
I received a letter from First National Collection Bureau , Inc. stating that their client " XXXX XXXX XXXX '' is offering a discounted offer to pay off a debt. The letter indicates the current Creditor is XXXX XXXX XXXX and the original creditor is XXXX. I have never held accounts with either of these entities and feel this debt is not valid and certainly not my debt. I have done some research online about XXXX Funding and find that there is a ton of information on credit reporting websites that show this XXXX company is conducting illegal collection activity. I am writing this company back directly disputing this debt and requesting that they remove my name and address from their accounts and cease and desist in all further contact or request for payment since this debt does not belong to me and I have no responsibility to pay this debt.
It appears that you are not taking into consideration the fact that you have not provided the reply to the dispute that was received and signed for by your office on XX/XX/2018. No response was given or replied to the letter of dispute. Based upon FCRA rules and regulations if a response is not received in a 30 day time frame the Item has to be removed from the credit report. You have failed to do so. The so called agency that you continue to lie and tell me that was verified is XXXX XXXX. You have not verified anything for I have spoken to these companies and have been informed that they are not able to verify or report any information what so ever on my credit report do to the status that I have with them. That status is non of your concern, however what is your concern is the fact that I have proof that a letter was delivered to your office that you failed to respond to in a timely manner. If this Item is not removed upon receipt of this letter I will be taking the next step and filing a lawsuit against your establishment as well as the reporting entities that you claim are stating this is valid. This is the last and final good faith given.
I have a XXXX Paypal accounts. Sometimes I transfer between them and also I have sold things to others and they pay me with PayPal Cash cards, which I can deposit into my PP account. Which I do. Paypal states this is high risk to " them '' and froze my account. They state my account is frozen for 6 months. I have over {$1000.00} in this account. They simply freeze it. This is not right and not fair and even if I agreed with the risk factor, 6 months is simply way too long to " see '' if there is a chargeback or anything else. They keep and use others money for Free at their whim.