WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage was sold to MyLoanCare. Since that time, they failed to provide me with an accurate account number, did not notify me of my insurance policies which were not renewed, tried to charge me for a month of payments from before they purchased the loan, have paid my taxes late two times and are refusing to provide me with documentation that they did not charge the late fees to my escrow accounts and now are refusing to remove the lender imposed flood insurance from account and have charged me another month for the insurance that I do not need. I have provided the requested XXXX letter to both Myloancare and XXXX and they will not respond to my emails. I just tried to call them to resolve the problem. They are asking for another copy of the letter, which is readily available online at XXXX. In the meantime, I have been charged another month of insurance payments. I have exhausted all of my options and need help. Thank you in advance for your assistance.
I closed on my home XX/XX/XXXX and my first payment was due XX/XX/XXXX. From that date I have made a payment of XXXX to Wells Fargo Bank ( WFB ), {$100.00}, more than the required payment. ALL PAYMENTS through XX/XX/XXXX were made before being due on the first. ( wfb.pfd XXXX ). On XX/XX/XXXX, I made a mistake in my online billing date for XX/XX/XXXX and dated the pay date for XXXX XXXX. When that payment came out it made my account overdrawn. I quickly called my bank and Wells Fargo and had the payment reversed. ( Wfb.pfd XXXX & XXXX ). With this item being reversed, I thought everything was ok until I started getting calls from WFB say I was late on my payments. I called and talked to a couple of people that did not seem to want to help. Finally I had called earlier and had my bank on the phone and arranged a 3-way call to get this fixed. We were transferred 4 times and finally hung up on. I called back and told them I wanted to speak to a supervisor. I talked to XXXX XXXX and told him of the issue. I told him I had evidence that proved that the XX/XX/XXXX payment was made. ( wfb.pfdH-XXXX thru XXXX ). The next day I talked to him and he seemed to think this would be taken care of in a swift matter. The matter was turned over to XXXX XXXX XXXX who would open a case to fix this. In the mean time I receiving late afternoon phone calls and mail to collect a debt. Phone calls were from XXXX XXXX ( wfb.pfd. XXXX, XXXX, XXXX ). I was receiving a lot of mail for debt collection, when I was not in debt for one day. ( XXXX, XXXX, XXXX to XXXX, and XXXX ). Statements from WFB came showing that the XX/XX/XXXX and XX/XX/XXXX payments were received. ( wfb.PDF XXXX & XXXX ) At this time WFB started playing this reversed items and Applied items making my account status very hard to keep up with. ( wfb.PDF XXXX ). At this time I am so upset that it is causing health concerns, not sleeping good and spending to much time on the phone. To a simple old man I could not make sense of the trouble I was going through, NEVER BEING LATE for any on payment. I still am concerned about my credit report although XXXX said they did not turn information to them, THERE IS NO TRUST WITH WFB. I also found out last Saturday ( XX/XX/XXXX ) that the VA had been contacted ( wfb.PDF XXXX & XXXX ). Again why do you contact the VA when the loan is not overdue for 1 hour in the life of the load. Today ( XX/XX/XXXX ) I received another letter telling me I was late with threats. ( wfb, PDF XXXX & XXXX XXXX
FCO Fair Collections & Outsourcing calling me and threatening me on the phone in collection of {$3600.00}. 
XXXX Apartments in XXXXCalifornia evicted me and my XXXX daughters out of apartment XX/XX/XXXX when l was injured XXXX XXXX in XXXXCalifornia.XXXX 
I was n't been paid properly by XXXX employer and l was XXXX at home XXXX on XX/XX/XXXX. 
I am respectfully on Permanent XXXX Retired XXXX. 
I will send evidence of collections and medical evidence to Consumers Financial Protection Bureau by emails. 
I am on XXXX for stress. 
I am a XXXX Military Veteran and XXXX XXXX XXXX Citizen. 
XXXXCalifornia and Fair Collections and Outsourcing has ruined my credit XXXX. 
I can not obtain a Consumer Loan for my XXXX daughters College Education, XXXX daughters wants to continue their education for XXXX Careers. 
My credit is ruined. 
FCO even sent me a document with a reduction of 50 % to pay {$1800.00} on XX/XX/XXXXI always paid rent on time and me and my daughters XXXX we have been Discriminated and Retaliated by XXXX FCO collections and Outsourcing.since XX/XX/XXXX till Present. 
FCO collections and Outsourcing XXXX in XXXXCalifornia XXXX staff Discriminated.Those Managers XXXX no longer with them. 
XXXX Apartments even hired Attorneys to collect debts and Evictions. 
I file complaints against FCO collections and Outsourcing. And XXXX Apartments. with Federal Trade Commission XX/XX/XXXX 
But nothing was done. 
I will send notifications to President Obama and Congress about Issues XXXX XXXX
I am writing to dispute the following : XXXX XXXX XXXX XXXX XXXX ( XXXX ) account delinquency. On XX/XX/XXXX XXXX XXXX Active Deficiency Specialist for XXXX   notified me via phone that XXXX failed to provide the contract extension agreement for XX/XX/XXXX to XX/XX/XXXX to XXXX XXXX for claim XXXX so that GAP Policy XXXX would satisfy the account. XXXX XXXX issued payment to satisfy the remaining balance following receipt of the contract extension agreement. XXXX XXXX stated my only remedy would be to dispute the item with the credit bureaus, as XXXX would not remove the negative item. I am requesting that the item be modified to accurately reflect the account status as the delinquency was due to a lapse on the part of XXXX XXXX XXXX XXXX XXXX.
This complaint is in reference to the entry XXXX Account : XXXX entry listed on my Transunion credit report. I have contacted Transunion several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from XXXX. XXXX XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to E-Oscar or any means of automated verification. 
Failure to respond within 30 days of receipt of this notification may result in a small claims actions. In the abscence of any such documentation I formally request that this information be immediatedly deleted from my credit file.
I recently checked my credit and seen tons of inquiries on report. I have no knowledge of these inquiries nor did I give anyone access to my personal information. I called each companies number on my report and spoke to their rep regarding this matter. The reps stated it would be removed. I waited two months with no improvements. Below are all the information being reported on my credit report. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX  C/O XXXX XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX ALLY  XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, NCXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX - XXXX/XXXX C/O XXXX XXXX XXXX XXXX XXXX, SDXXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, ILXXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VAXXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX
Update for : XXXX. 

Received a final reminder before my access expires. As previously stated in XXXX I do not have access to my Equifax credit-report. Therefore, keep this and all accesses available to me so I can view after this problem has been resolved. 

Attachments : 1 ) Equifax reminder email 2 ) Screen-print of the Equifax website error-message.
After reinstating my loan with Flagstar Bank in the amount of {$89000.00}, which was obtained through the law offices of XXXX XXXX, hired by Flagstar Bank, stated that this would bring my loan current. This amount was paid with cashier 's check on XXXX XXXX, 2015. I made my next mortgage payment of {$5300.00} for XXXX ; however, on my XXXX mortgage statement it shows additional fees of {$1200.00}. I called Flagstar and inquired about this and I was told that Flagstar does not have to disclose additional internal fees in the reinstatement fees. This is totally unethical for a lender. We as borrowers assume that the reinstatment fee is it and we have for-filled our obligation in good faith and then the lender imposes additional fees, at their discretion, after they stated that a certain amount will clear our past due obligations and bring all monies current. This practice needs to be scrutinized by the federal banking regulator bodies to stop this in the future. When XXXX is told that this amount will reinstate the loan to a current position, that should be it.
I had gotten behind on my mortage my dad was originally on the mortage note so i applied for a modification and had to do a quit claim deed on my father to get him off of the note so only my income would be used fro the modifcation because with my dads income it was to much to pay. We did the quit claim deed on my dad and them i was approved for the 3 month trial plam for the modification and this is my third month but i received a phone call asking why did i take my dad off of the note so now they are telling me before they can do a final modification i have to do another quit claim deed to put him back on and i can not pay the payment until that is done. I even spoke with my credit counselor and he said that makes no sense to him. the mortage company is saying that the papers have to be the way they were when i first closed on the house.
After pulling a copy of my credit report I notice that this collection agency is reporting an account on my credit report on my credit report. 
1. Act # XXXX I send them a letter disputing this claim and send it with tracking receipt XXXX XXXX XXXX XXXX XXXX XXXX. I requested that they send me any agreement that grants them the authority to collect. Or any proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. I also asked that they send me copies of any agreement that bears my signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. In which they have failed to send me these items and still reporting on my credit report. I am not at all refusing to pay I only send as a notice of dispute to the claims.
I spoke with rep. named XXXX on the XX/XX/2019 and asked for her to email me the details of the debt I owed. I told her once I receive the email I will look into the debt, verify that she and the collection agency she works for are legit, and would be contacting her after a couple of days. She has called my cell phone twice a day everyday since. 
This morning she called and left me a voice mail at XXXX XXXX  which is in violation of the FDCPA.
On XXXX XXXX my SunTrust account was hit for {$140.00} in NSF charges and another {$72.00} in NSF charges on XXXX XXXX. These charges where for transactions conducted on XXXX XXXX and XXXX XXXX. However, XXXX drafts came in on XXXX XXXX XXXX, that were paid prior to the transactions that were conducted on the previous Friday and Saturday. At the time the transactions from Friday and Saturday were made, the funds were available. If processed based on the time stamps of the debit card transactions, I would have been only charged {$72.00} and not the {$210.00} that I was hit with. I know transactions pend over the weekend and SunTrust pays largest to smallest, but this unethical and it is purposefully setup to maximize fees and hurts the consumer in almost all cases, whether intended or not. These unethical practices must stop. 

Sincerely, XXXX XXXX
I hope this letter will educate that its past the time for scripts in business. been with wells fargo many years this checking account originally had no charge for blue plain checks al i want and i have to fight to get it i keep getting scripted to death. i want the checks free like it was with world savings and was a perk to the crown as i am grandfatheed in with my account ending in XXXX not only do i owe money to mortgage right now but would not pay regardless. i want the checks free please. one order without a scrpts no throwing things in my face. do the right thing. i cant take the scripts or the stress. one check order free please.
SLS just started servicing my mortgage account effective XXXX/XXXX/XXXX. They are trying to raise my payment from XXXX to XXXX because of an escrow deficiency that is not there. My taxes and insurance are less than XXXX a year and they are requiring and escrow payment of XXXX, the current escrow balance is XXXX and my taxes are due XXXX/XXXX/XXXX and insurance is due XXXX/XXXX/XXXX. This new amount will cause financial hardship and is not necessary. With this new requirement, by Escrow account balance will be {$3700.00} on XXXX XXXX, XXXX. That is over a XXXX surplus by the time my insurance bills in XXXX XXXX.
I received a collection no tice from Hunter-Warfield cl aiming that I owed {$700.00} principle and {$51.00} interest. The debt was supposedly being collected on behalf of  XXXX   XXXX   XXXX , the owner of an apartment I rented, the notice was dated  XXXX / XXXX / XXXX .   I moved out of the apartment in  XXXX   XXXX , the end of the lease, and the prope rty manager told me everything was fine and I did n't owe anything. A year later I received the collection notice. I called Hunter-Warfield and requested a copy of the contract, and validation of the debt, which they are required by law to provide, according to the Fair Debt Collection Practices Act ( 15USC1692 ).    On  XXXX / XXXX / XXXX   Hunter-Warfield adm itted over the phone that they do not have the contract or validation of the debt. They told me they would stop trying to collect, and would contact the credit bureaus to correct the situation. They said they are unable to provide a written statement that they have done so, and they also are unable to close my case, all they can to is stop trying to collect.   They claim that they are unable to cancel the collection. If they do n't have the contract or validation, they have to cancel the collection.   I am pretty sure that in 6 months to a year they will attempt to collect this debt again, that is why they wo n't provide a written statement or close the case. They were illegally trying to collect a debt that I never owed, and they certainly never had any evidence that I did, and they are keeping the case open so they can try to harass me again in the future.   I am certain their response will be " company believes the complaint is a result of a misunderstanding ''.
CFPB Complaint XX/XX/XXXX Subject : SunTrust Bank wrongful holding of Mortgagee insurance proceeds. 

Facts : 1. XXXX XXXX approved a Hurricane Irma damage claim in the amount of {$80000.00} +/- for a replacement of the total roof and issued an initial insurance check in the amount of {$52000.00} made payable to home owner and SunTrust. SunTrust has a copy of XXXX documents. 

2. Check was signed by homeowner and delivered to SunTrust on XX/XX/XXXX 3. SunTrust advised Mortgagee to comply with SunTrust Claim-check procedure which mortgagee did in full on XX/XX/XXXX. 

4. SunTrust advised that eventually Mortgagee would receive {$40000.00} of the {$52000.00} sometime and the balance in two equal installments. One when 50 % of work is complete and one when SunTrust determines the work to be complete. This is in addition to a {$12000.00} holdback held by the insurance company which petitioner accepts and believes is fair and reasonable. 

5. There is no need for SunTrust to hold any of the money or require Mortgagee to waste time and money completing the unnecessary Claim-check process. There is no risk to the bank as the balance of the mortgage is less than 35 % of the value of the house. This was documented in the attached XX/XX/XXXX letter to SunTrust CEO XXXX XXXX ( Exhibit A ). This letter received by SunTrust via email on XX/XX/XXXX ( Exhibit B ) and a few days later by XXXX. No response from SunTrust CEO. The letter detailed the wrongful nature of the money grab and demanded immediate release of the full amount of the insurance proceeds. 

6. A second letter ( Exhibit C ) was dated, sent and received by SunTrust on XX/XX/XXXX pointing out the harm to Mortgagee in having to use retirement assets to pay the {$25000.00} initial payment to the roofing contractor in connection with the roof contract executed on XX/XX/XXXX.This letter also pointed out that this wrongful holding of Mortgagee money may very well violate the SunTrust Code of Business Conduct and Ethics which may be of interest to other oversight agencies of the US Government . 

7. Mortgagee is advised that SunTrust will not pay interest on Mortgagee money it is wrongfully holding. 

8. A third letter ( Exhibit D ) critical of SunTrust CEO Non response and bank partial response was sent to SunTrust on XX/XX/XXXX. This  letter again demanded immediate full payment with interest. 

9. There is no rational or logical reason for SunTrust to wrongfully hold money due Mortgagee. There is absolutely no mortgagee risk to SunTrust. While there is language in the mortgage that seems to give SunTrust the power to hold Mortgagees money that is obviously a Contract of Adhesion and not enforceable in law. 
 10. In addition to processing this complaint I would like CFPB to investigate if this is a scam to force people without additional capital into high interest rate loans while holding their insurance and not paying interest..
I have payed my ( on time ) mortgage for my home since XXXX, XXXX XXXX, I payed off my car in a year ( at my credit Union ) and payed down my credit card with a VA refinance loan. I applied for a XXXX XXXX Loan at my credit Union and found to my credit score was XXXX. So, I ask for the report, they ca n't give it to me. I apply for my report online and I ca n't see my report, but these " things '' ( lies ) disparaging discrepancies are being held against me, I even applied for a XXXX card and was denied because of incorrect trade-line information.
I was a victim of ID theft and a  XXXX   XXXX  card (  XXXX  ) was open in my name and the account was charged off and sol d to Midland Credit  (  XXXX  ) who sued me without my knowledge and got a default judgement. I got an attorney and proved it was ID theft and the judgement was reversed ( see attachm ents ).  Both  XXXX   XXXX  an d Midland are still reporting these illegally to my credit which is ruining it.
I applied for a loan with speedy cash in the amount of {$1000.00} I made payments until they started taking out extra money at random times and my bank blocked them. I had made over 1500.00 in payments ( I have the bank statemetns that reflect such ) They have now turned me over to a collection agency for the amount of {$1000.00} I have disputed and disputed and keep getting letters. The interest on this loan was 353.302 % I have paid this loan off in full.
A full payment was made but I only wanted the regular monthly payment! I called and said I could not afford that! They refused to reverse the debit payment! So I called my bank and opened a dispute then they credited the money and only took the monthly payment out to them! Then I just received a letter I lost the dispute and it will be pulled back out on XX/XX/XXXX!
I receieved a robo call from my mortgage company today, XXXX XXXX, encouraging me to take out a home equity loan. I recieve regular mailings on this topic. I've told a telemarketer that I am not interested in this product and to take my name off of their call list. I even received a {$60.00} check from a class action law suit with this company over telemarketing calls promoting their financial products. The company is now called XXXX XXXX, aka NATIONSTAR. Please get them off my back.
I have purchased my vehicle in XX/XX/XXXX and financed it through XXXX XXXX XXXX. In XXXX of XXXX, I have completely paid off my loan. Since I did not get my title after paying off the loan, I contacted Hyundai in XX/XX/XXXX and asked to release my lien with XXXX XXXX and send me a letter confirming that my loan is paid off. I did not get any confirmation letter. 
At the end of XX/XX/XXXX I have decided to sell my car and contacted XXXX XXXX department to get my title. At that time I have discovered that the lien on my vehicle is still not released. After 5 calls to Hyundai and almost 9 month after paying off my loan, I still can not get my title. XXXX XXXX does not accept paper proof that I was able to get from Hyundai that my loan is paid off and Hyundai is failing to release my lien electronically. 

Please help.