WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2017 I tried to log in to my online banking and was denied access. I called customer service they referred me to an XXXX number I ca n't find it but the man who answered would not give me his name. told me there had been a breach on my accounts and I was no longer a Bank of America customer and find another bank to do business with. I said I have been banking with your bank for over 25 years, his answer was we appreciate your business but now you need to take your business to another bank. I said I need to access my accounts. He said that was n't possible.I was n't allowed to get answers ; I was n't allowed to get proof of his statements. I have n't received my retirement check because the bank cancelled my accounts without notice or evidence of the reason. I should have been allowed bank statements to prove my involvement in the axtion toward me. Now I have no money, no bank and no Social Security deposit to my account. The inconvenience to my life has been overwhelming and I deserve answers and cooperation
Our firm, XXXX, is monitoring our client 's request for mortgage assistance with CitiMortgage ( " XXXX '' ) to help facilitate the process and ensure XXXX 's compliance with Regulation X. We previously submitted a complaint on our client 's behalf due to the repetitive and unnecessary document requests we were receiving from XXXX. Since then, XXXX still has not completed its review of our client 's request for mortgage assistance and continues to drag the process on by asking for more documents that were already provided despite informing the client that her application was complete twice before. 
We provided XXXX with the most recent batch of documents pursuant to its request via facsimile on XX/XX/2016. That same day, I called XXXX to verify the documents were received and find out if anything more was needed from our client to complete the Application review. The XXXX representative stated our third party authorization form was expired and we needed to submit a new XXXX. Later that day, we faxed XXXX the updated XXXX specific third party authorization form signed by the XXXX to the number provided by the representative. 
Then after still not receiving any update on the Application, we called XXXX on XX/XX/XXXX for an update on the Application review. We reached the assigned special point of contact for the XXXX 's loan and she stated she was on the other line assisting another customer and she would call the firm back. After not receiving any call back, we called XXXX again the next day for a status update. The assigned representative stated again that our authorization form was invalid for some reason but this time she claimed it was invalid because it was not signed by the authorized third party ( ie. our law firm XXXX. Even though XXXX previously spoke to our firm many, many times over the past 6 months using our prior authorization form, the representative was now claiming whatever we had on file was invalid without a signature from someone at our firm. The XXXX specific authorization form provided to us by XXXX in a different file does not even contain a line or space for someone at our firm to sign. Also, no other servicer has ever informed us that our own standard authorization form is invalid without the signature of someone at our firm. Even after explaining this is detail to the representative, she stated she would have to look over the file and call our firm back but still has not done so as of the date of this complaint. 
Because there is a foreclosure sale scheduled for the XXXX 's property on XX/XX/2016, we have tried several times to proactively reach out to XXXX to get a status update on the XXXX 's Application and have not been able to. We believe XXXX is now using this invalid authorization form scheme to delay the processing of the XXXX 's Application and block any efforts by our firm to assist the XXXX in applying for mortgage assistance to save her home.
I am sending this email to file a complaint about Roundpoint Mortgage persistent negligence in not following up with their customer concerns, lack of knowledge of the customer service reps, and XXXX poor customer service. I received an escrow analysis statement the first week of XXXX indicating my new mortgage payment was going to increase by approximately XXXX month. I contacted RPM TWICE to get an understanding of the escrow analysis and was instructed to send in copies of our tax statements and I also included a copy of our updated appraisal. I immediately faxed as well as emailed the requested documentation so that the re-analysis would be initiated. I was told by XXXX of the customer reps that a re-analysis of the escrow would be done. I also requested to speak with supervisor during BOTH calls because I was not getting an understanding of the analysis and how they came up with the amount indicating the need of an increase of XXXX month. I never received any calls from RPM in reference to my questions. I called on XXXX/XXXX/16 to get an update on the re-analysis and was told it would be completed by XXXX/XXXX/16. I called today ( XXXX/XXXX/16 ) and spoke with XXXX different reps. The first rep was not able to answer any questions in regards to the re-analysis, so I requested a supervisor. I was transferred to a female representative and she immediately proceeds to tell me that I have " utility lien '' on my house. After questioning her about this so called " utility lien '', I had to tell this rep that she was reading our tax statement for our utility district. After speaking for 10 minutes back and forth about our escrow, she proceeds to let us know that no re-analysis was completed. After further speaking with this representative she proceeds to let me know that a 2 month cushion was required in our escrow account totaling approximately {$50000.00}, which is insane. I was under the impression that she was supervisor, but after speaking with her and realizing she did not know how to answer the questions she admitted to not being a supervisor and stated that she was told we requested a U.S. rep. 

The issue at this point is the escrow re-analysis was never done and I require assistance in getting my mortgage payment lowered. My family ca n't afford to pay XXXX month from {$2300.00} a month. This increase in my payment amount is RIDICULOUS and there is no way that a mortgage payment should increase more than XXXX month each year. I am requesting the assistance of management to look over my account and contact me to discuss options and also to ensure that the figures are correct. My account information is listed below :
I 've been trying to get Mortgage company who are supposed to be FHA approve lenders to do a streamline EEM with no success one company ( XXXX told me it did n't exist ) Incidently I started process XX/XX/XXXX They also ran hard credit check, the last company I 've dealt with again this guy lied before I even started with him, I asked if they did this type of loans he said yes otherwise I would not have bothered with him I gave him info of course he ran another hard credit check then he tried to get me to sign for a different loan product and told me then that their were being updated an he could n't guarantee he could do the loan this year, I am just very upset al I need to do was make my home affordable to live in I only needed was {$2500.00} and {$400.00} to pay the Energy Auditor, I tried to do this myself I had an accident XXXX ending up with medical expenses and short pay checks otherwise I would'nt be doing this. I also wanted to make it more live able because I have my XXXX sister living with me and the XXXX are hard on her. I may as well let you know that these inspections I believe are only good for so many days and I do n't know if I can get him to extend it. I would 've met the criteria for this FHA program. I do n't know if can take this run around and all these hard credit searches are hurting my score,!!
We are writing to dispute the following information on our current credit report. The item in dispute was a refinance of our home mortgage, referred to as a Home Affordable Modification Program ( " HAMP '' ) and Home Affordable Alternative Program ( " HAFA '' ) with Ocwen Loan Servicing, LCC in XXXX, 2016. We are requesting that the item be removed to restore our credit rating and to correct the information. When we requested the loan modification we were specifically instructed by Ocwen Loan Servicing, LCC to suspend our payments while the refinance was in process. We were never offered counseling or informed that suspending our payments during the refinance process would have such a adverse effect on our credit report. Therefore we are specifically requesting that the " Serious Delinquency " ( very late payment ) item be removed from our credit report.
Each and every time I submitted documents for a modification I was repeatedly told that the documents I submitted were lost, missing information or out dated and needed to start the process again with a new application. I was repeatedly told my file was " under review '' to be told a day or week later it was not ready for review. Even with the assistance of an outside foreclosure prevention specialist - I remained on this hamster wheel. I am a XXXX, so I understand the process. I finally was approved for modification trial period upon which I have been locked out of Bank of America 's communication portal. I have called the representative I was told was assigned after my file was sent to the escalation department as a result of a complaint I filed just a month ago. Now, I do not receive call backs from the assigned escalation department and no one is assisting with explaining why or correcting my sudden inability to access the portal, which is stated as being the bank 's " preferred method '' of communication and the only place where I can verify documents that I have sent or received. Can someone please help get Bank of America 's stated protocols and to follow procedures.
Hard credit inquires were removed from my TransUnion credit report without notification by email, telephone or standard mail and placed back on my credit report without any notification ( example email, telephone or standard mail ). This caused an adverse affect to my credit score. Please notify me of the steps I need to take in order to get this matter taken care of. Thank you for your assistance in this matter.
I am behind in my mortgage payments and have a foreclosure sale date scheduled on XX/XX/2016. I have applied for a loan modification with my mortgage company and they are saying they dont have enough time to finish the review and are going to take my home to sale. I need help in any way possible to get them to postpone the sale date. Please help!!!!!
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX : the account number is XXXX : date opened XX/XX/2016
I applied for the Discover personal loan for {$34000.00} for debt consolidation on XX/XX/2017. I was requested to send in my wife 's pay stubs as well as mine, which i did promptly. After a day passes I tried to check the status of my application and I saw that it was denied because of " UNABLE TO VERIFY CREDIT REFERENCES ''. I contacted them and asked for an explanation because they are required to give a specific reason why it was denied but they refused to and said thats the best we can say. I have a fraud alert of my credit reports for my own protection and when they checked my credit they did n't even call to verify that it was me who applied for that card and then they deny the loan because of " UNABLE TO VERIFY CREDIT REFERENCES ''. I spoke with them for about 30 minutes and nothing changed and they were insisting that they are following the law and they do not have to give me explanation to why it was denied. I need to teach this company a lesson so they understand that they ca n't just advertise personal loans and when you apply they deny it for a reason that is not comprehendible.
I purchase the vehicle from XXXX XXXX under XXXX XXXX XXXX XXXX and paid off XX/XX/2017, received release of lien. At  the end of paying off the loan they will not report the loan was paid in full {$26000.00}. I want it reported to XXXX, XXXX and experian that it is paid in full. XXXX XXXX financial manager said he would do it. He is no longer with the company, XXXX the stepson of owner threatened if I persisted he would report I was late on payments. I am a single female and I will not allow anyone to obtain any favors for a favor. I do not want to go in there. I paid the loan off and it should be reflected. I suffered with XXXX XXXX and I need my credit report to show paid. I have to repair my home and need a loan. Threatening consumer to make a bad report after paying off the loan should be illegal.
I received a call at work in regards to a debt from XXXX years ago. I have no knowledge of this debt and asked for validation. They stated they would email me validation which I did not accept, I wanted something via paper mail. They stated they did not have to mail me anything. I stated I did not want them calling my place of employment in which I was told that they did not have to honor that request but according to the Fair Debt Collection Practices Act ( FDCPA ) they should. I gave them my correct address and phone number so I could have any correspondence they have sent be received by me since there has been nothing to date. I spoke to a XXXX, who left me the first voicemail on XX/XX/2016 but he denied it was him on the voicemail, he stated he was a supervisor and did not make outbound calls but the voice on the message was his ( I have it saved for my records XXXX. I also spoke to a XXXX and both individuals gave me different total balances owed. So with that being said I told them I would dispute this since this was not my debt. I was told my balance owed would then triple if disputed it and I would receive paperwork " soon '' and would have to make an appearance before the end of the month or early XXXX XXXX XXXX XXXX stated that he was going to have XXXX XXXX '' speak to me to set up my court date via phone ( which is unheard of ) so I waited to speak to XXXX XXXX '' and no one has called to set said date up. XXXX gave me other information stating I would receive a letter either to my job or home address. So at this point I am waiting for these documents and any proof to dispute a debt that is n't mine. They were trying to use scare tactics to coerce me into agreeing to a settlement and saying that I would be taken to court under " fraud and theft '' because I told them I wanted to dispute this illegitimate debt. I have NEVER in my life heard of the practices this company tried to impose on me and am going to await the documents that should be forthcoming in regards to this erroneous allegation.
Experian is reporting a collection for XXXX XXXX XXXX - XXXX and it is not valid nor is it mine. - I have been disputing this already and they claim it is valid. How did you verify it? XXXX XXXX IS NOT VALID VERIFICATION!! 
They are the only ones reporting this erroneous OLD debt that is also past the statute of limitations based on the dates!
My bank, Wells Fargo, made an unauthorized withdrawal from my checking account, in the amount of {$1500.00}, on XXXX/XXXX/2016
Completed chapter XXXX and paid off taxes, both state and federal. I have contacted XXXX and my report still shows liens by the FED and State.
I applied for a new car lease. My credit was checked with XXXX  and I had an XXXX credit score. Then, my credit was check with an unknown company called XXXX , XXXX  and my score was a XXXX. I was denied the lease because of this. I never heard of theses people and you don't have to be XXXX to figure out that there is a problem. I contacted the phone number provided on the denial letter for XXXX, had to leave a message and no return call yet. These people should not be allowed to check one 's credit-obviously they are incompetent. Can they be barred from doing so? All my credit scores are well over XXXX.
Continuous calling throughout the day. Continuous calls after XXXX. Caller requests contact with me and will not leave message for call back. Caller will not provide the debt subject to determine if valid and when questioned - the caller disconnects the call! Extremely rude and short and then hangs up after calling repetively!
Erroneous fees being charged to my account of {$7000.00} on XXXX XXXX 2007. Claims made that the amount covers interest and fees associated with late payments form XXXX XXXX 2007 to XXXX XXXX 2007. This does not add up. 
Any late payments came from the misallocation of funds on their part and not mine. 
Often with HSBC my payments would not be applied to my mortgage and put in holding account. 
I should not have charged the amount in question. The amount is showing up as Deferred Balance.
Capital One Bank placed XXXX inquiries on my credit report however they did not follow the FCRA regarding fraud alerts and did not contact me to verify identity or that I even requested the application.
Good Afternoon, I recently filed a complaint about our mortgage, Ocwen and how they wo n't re-evaluate our mortgage and the monthly payment. We are on the HAMP program, which is supposed to lower our payment but because of a miscalculation of of escrow last year, we are now paying way more! I have enclosed a copy of an accrued amount which is applied to our principal. They did n't include our hazard insurance and we had a surplus to our escrow and now they realized it and now we are paying more. Also the wo n't help is because the investors ca n't. We are also paying more for what our home is worth. I also made an appointment with the relationship manager, XXXX XXXX, for today to discuss some payments options, but no call. They are also constantly sending us paperwork to do a short sale and or foreclose. We are making our payments with the late fees, because we are late, but they are still sending us paperwork. Also they have a person taking pictures of our home. It 's not like we are not making our payments. My previous complaint number is XXXX. Ocwen promises that they will keep you in your home but does n't come through as it says on there website, statements etc. Thank you.
Transunion has refused to remove fraudulent inquiries on my credit report. Ive submitted multiple letters to transunion to have them remove the inquiries that I did not apply for. All other reporting agencies have recognized that the inquiries are not mine yet transunion is unwilling to remove these inquiries. 

Inquiries Below : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I think the CFPB needs to be aware that credit reporting agencies ( XXXX & Experian ) are having very serious issues. I just looked at my credit report with Experian and it shows all zeros ( last week I was fine ). I should show a credit reporting history that dates back over thirty years which is what the two other agencies show. My husband pulled his credit report with XXXX  last week and it also had all zeros listed. When you try to obtain a free report, the agencies are unable to provide you one because you do not exist. You have to pay for a report and then send a dispute through the U.S. mail. The issues that both of us encountered with these reporting agencies have caused each of us a 60 point drop in our credit rating.
There are XXXX address that I never had lived in! Had not lived XXXX XXXX XXXX, nor XXXX, Florida. I am concerned about this
Greentree is illegally boosting my balance to collect more money on a collection than I owe. I have attached XXXX copies of my credit file page showing Greentree 's loan. In XX/XX/XXXX they showed a XXXX balance but listed that it was transferred to another lender. In XX/XX/XXXX they showed the balance of {$210.00}. When I called to pay this amount, they jacked up what they said I owed to {$810.00}. 
The Fair Credit Reporting Act provides that a creditor must report accurate data to the credit bureaus or remove the account. 
Sec. 623 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
If the {$810.00} is a correct balance, then Greentree committed willful negligence when it reported {$210.00} to the credit bureaus on XX/XX/XXXX. 
Regardless ... boosting a balance from {$210.00} to {$810.00} in 30 days is illegal and unethical
I do hope your company can help me. I'm pretty new to this credit thing but I had researched several sites and watched several videos about things reporting on credit. I noticed that there are several accounts that are very old that I was under the impression they were suppose to be removed now because they are past the statue of limitations. I did dispute directly with the bureaus and several are still listed it just doesn't appear that they are doing what they are suppose to do so I thought I would ask for your assistance with the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX these are all showing past the statue so I don't understand why they would still be listed. Can you please help me?
De ar Sir/Madam,  This is in regards to  my CitiBank accou nt #  XXXX . In  XXXX   XXXX   CitiBank ha d a promotional offer of {$400.0 0} if one opens  a new checking account with initial deposit of {$15000.00} within 30 days of opening such an account and keeps this balance in the account for at least 90 days. On  XXXX / XXXX / XXXX , I applied for such account online and attached pdf file has all relevant information of my interaction wit h CitiBank a bout this matter.     On  XXXX / XXXX / XXXX  I received a confirmation that my account is now active and ready to be funded ( please see pag es 1 and 2 of the at tached file ).     On  XXXX / XXXX / XXXX  the money has been deposited into my account ( please se e pages 3,4  an d 5 of the  attached file ). ).     After 3 months of the opening of the account I started inquiring regarding {$400.00} bonus. I could not get a clear answer, was transfer f rom one depar tment to another, and just to get rid of me was required to fill out different forms and sent them back, which I did.     Calling the bank, waiting to be transferred to different departments, filling out and mailing different forms took substantial amount of my time, but I still wanted to get what have been promised, besides the bank used my {$15000.00} absolutely free now for 7 months.     Finally on  XXXX / XXXX / XXXX  after several attempts to resolve this matter over the phone, I received a letter stating that my account does not qualify for this promotion because the required deposit was not made within the stated time frame ( please see the la st ( 6th )   page of the attached document ).     As indicated by the dates of the attached correspondence, I followed all terms of  CitiB  ank 's promotional offer and I feel that I have been defrauded by CitiBank, where   they used my money without fulfilling their promised obligation. Thus, I would like to kindly ask for your help in resolving this matter. Please do not hesitate to contact me at  XXXX  XXXX  XXXX  or by calling  XXXX  if you have any questions or require any further documentation.     Thank you in advance.    XXXX   XXXX   XXXX  XXXX  XXXX   XXXX
On XX/XX/XXXX noticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting.

Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.