WillisBack/dataset-financial-user-claim huggingface dataset:
Ditech is putting me through a collection process for a late fee of {$120.00}. I incurred this late fee because they held my payments in a Funds in Suspense status. I have paid {$22000.00} towards my 2018 mortgage obligation of {$19000.00} ( {$2800.00} due on the first of every month ). I calculate that as an overpayment, however the overpayment is being held as Unapplied Balance while they put me through their collection process. 

I used to use Ditechs Bi-Weekly Mortgage program which auto debited my mortage in partial payments that occurred every other week. They discontinued this program in XXXX and their website does not offer any other type of autopay except for full payment on due date. My finances and due dates for other financial obligations are set up around the bi-weekly payment plan because my mortgage is my largest one payment. I set up auto pay through my own bank bill payment system to continue the bi-weekly payments as I have been making them through Ditech. The payments I made were then held in Funds in Suspense and show that I was delinquent in my payments at the same time they money was collected from my bank account. Entire payment would be applied to principal as extra principal payment and they would attempt to collect an additional payment from me and go through a collection process. 

There must be some policy against this. My mortgage balance is $ XXXX, and my house is valued at $ XXXX. Are they using unfair practices to put me in a collection cycle to gain my home? 

Any payment balance should be applied in a way that protects the consumer always. Any money collected should go to : Balance due ( oldest to newest ) ; Escrow ; Fees ; Principal only when other balances have been collected on. Or at the very least you should be able to allocate your own money to these categories on their website. If the company decides where to allocate payments, by law it should be in a way that protects the consumer, not potentially puts them in a foreclosure. This company stinks of unethical practices! 

I called and spoke to XXXX on XX/XX/18. I was scolded for making partial payments, even though I did so previously through a Ditech sanctioned program. And made each partial payment PRIOR TO THE DUE DATE for the balance due. I tried to rectify the situation and was given no solution but the pay the full amount on the due date, NOT BEFORE THE DUE DATE IN INCREMENTAL PAYMENTS or the payments WOULD always be misapplied. So I adjusted my due dates on other financial obligations to do this. I am still going through collections for a late fee and have an Unapplied Balance on my account which is an overpayment that just sits in suspense it doesnt go to my balance, my principlal or my LATE FEE. It just sits there. Meanwhile they send me to their collections division. I went ahead and sent a check ( no option to pay online other than the mortgage amount ) for the LATE FEE to suspend the collection process. How is this legal that a mortgage company can hold my money and NOT APPLY IT TO MY ACCOUNT in a way that is in MY BEST INTEREST. This has got to be illegal, besides being incredibly unethical
The following credit card companies have not helped me in any way gathering pertinent information to help me with filing a civil suit as well as aiding in helping me with being a victim of identity theft by my husband of 12 years. My husband committing identity theft on me back in XXXX with using my ss # and taking various credit cards out, opened online betting accounts, forging my signatures on the back of these credit cards where he was also allowed to use these cards in retail stores, and used my name falsely to do a change of address through the USPS to avoid me catching him committing acts of identity theft with statements being sent to residences I 've never resided at but his parents did. I recently found out about when he was court ordered to leave my house in XXXX XXXX. I found various documentations along with proof of identity theft against me which I have indicated to each credit card company along with a Police Report, FTC affidavit, Federal Reserve complaint, and having actual proof with texts indicating he committed theft against me without my knowledge or consent. All credit cards are coming up with excuses to not re-open the investigation and not XXXX credit card company is willing to help me because it seems they just want me pay for all charges that I did not consent or know about. My husband also recently committed fraud with filing a joint tax return in XXXX when we were legally separated without my consent or knowledge and deposited a check into an account I did not have access to. I 'm currently working with IRS to take care of this matter. I am also working with USPS for my husband issuing them a change of address listing his parent 's addresses on XXXX occasions from the time I moved out of PA in XXXX. I am listed down as living at his parents house since XXXX and then recently he made a change with listing my legal address at his mother 's current house. I 've never legally lived at either houses. The following are the credit cards I am requesting full statements from since XXXX that I have not been sent other than giving them my legal address that differed from the XXXX they had on file and sending me the last statement to pay their cards. The following credit cards are : XXXX ( XXXX XXXX took over this debt and even they are not wanting to open this investigation ) Capital One - They contacted me to let me know they will not re-open this investigation for XXXX charge of {$140.00} ( the amount owed on this card is {$4100.00} ) and apparently I used my lic. to rent a XXXX. Once I contacted XXXX, it shows on a contract signed by my husband, his license not mine on file. When I contacted Capital One showing them this proof they then proceeded to state we are not opening this reinvestigation because calls were made from your cell phone. I lived with an abuser who easily had access to my phone. They are continuing to make excuses to not open this investigation. 
XXXX Bank - They 've stated twice they sent out all statements back in XXXX and again in XXXX. I have not received anything XXXX Card - They keep transferring me and finally gave me an address to write my complaint XXXX XXXX
I spoke with the hospital billing department concerning this 4 year old bill. 
They informed me that the bill was paid. They had problems with the insurance company as hospitals do in collecting payments from the insurance company. So merchants credit is willfully and wrongly reporting incorrect and damaging information to my credit report. Please take the necessary steps and fine merchants credit and compensate me for damages done to my credit report.
I did not apply for a loan with this company and they are stating that I did. I have no knowledge of this account.
What happened to me is almost verbatim what is described in XXXX v. XXXX XXXX XXXX filed in Florida XXXX District Court. I switched from a reliable internet provider because XXXX was offering a higher speed ( XXXX ) for less money. What they did n't tell me was that the outdated lines in my neighborhood could n't support the speed that they had promised. For six months I struggled by with speeds between XXXX and XXXX, usually much closer to the XXXX which was completely unusable. I called XXXX 's tech support line numerous times with no relief. During that time, XXXX was being auto-paid directly from my bank account in full and on time each month. After six months, I had to cancel and switch back to a reliable provider. After termination, XXXX continued to bill me for another month before I was able to terminate the auto-pay. They then sent me a {$200.00} termination bill which I refused to pay since my termination was only due to XXXX 's inability to provide the service. I have tried to resolve this issue directly with XXXX to no avail. Their stance is that they provided me service at a reduced price for six months and are entitled to a termination fee. What I have pointed out and they seem unwilling to consider is that the " service '' that they provided during the six months was significantly reduced over what was promised. They charged me an extra month for which they were providing no service. And, the account was only terminated because of their inability to provide the agreed upon service. If anything, I should be sending XXXX a bill.
I paid off my loan with Pennymac Mortgage and they continually refused to return my original loan documents and original signed promissory mortgage note.
I was involved in a divorce in which I 'm finding out that ex opened accts. under my SSN and my son 's. He also submitted tax returns under a false SSN. He lied about being fired from job to escape alimony. Now I ca n't get into my credit reports at all!
I filed a previous complaint about wells fargo and you closed the case without the appropriate resolutio n. Wells Fargo says the  " found '' about {$300.00} they owed additional. The real amount is nearly {$3000.00}. We owed $  XXXX  on the mortgage and were required to pay a $  XXXX  amount. The difference is $  XXXX . They are saying that the {$2500.00} escrow check contained additional money owed. This is not true. WHen I was receiving a payoff amount I was told that there would be a {$2500.00} escrow payment. I still paid {$3000.00} more because I had until  XXXX   XXXX  to pay it off and that would be accrued interest until then. However, I paid it off nearly a month before that,  XXXX   XXXX , so there is a month of interest, about {$3000.00}, that are they still trying to steal.  Wells Fargo  as we all know is a corrupt and criminal organization. I 'm not going to allow them to take my money as I did n't even get a loan through them. THey bought my loan without my consent. I have now wasted several hours on this corruption and expect compensation above the amount owned for that.
On XX/XX/XXXX XXXX sent me a letter stating that. " The disputed item ( s ) was removed from your credit report. '' Credit went up 29 points. On XX/XX/XXXX XXXX sent letter stating account ( s ) belong to me. In the amount of {$470.00} from XXXX XXXX I first disputed in XX/XX/XXXX. I spoke with the company that I have NEVER been to New Jersey and I have proof around the time the account was open I was here in Georgia. Today XX/XX/XXXX my score dropped 7 points for false remarks from consumer which is not me.
I had a vehicle loan with Wells Fargo Dealer services and traded vehicle in and they took a ach payment out of my acoount 3 days after they received my payoff check.
Applied for several rental properties on XX/XX/2018 and I was not made aware that a hard inquiry would be place on my credit report for applying. 

This particular company Leasingdesk not only placed a hard inquiry on my credit but initially gave me a bad rental history that I was denied and had to get additional information to prove it. 

Since they have sent emails to advised that their reporting was indeed in error. 

I applied for several rental properties and none gave me a hard inquiry or provided this inaccurate information.
In correspondence dated XXXX XXXX, 2017 I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
We were behind in our mortgage for years due to a illness in our family. We finally were able to get help for our son, but the process took it 's toll on us financially as well as emotionally. Once we were able to place our son in a facility where he was able to get the help he needed, now in recovery, we were able to reclaim our lives and get our business back on track. Over the last 1-1/2 years, we have been earning an average of $ XXXX, and more than enough to pay our mortgage. We attempted to modify our loan and over the last 6 months showed the bank, PHH Mortgage Services representing Coldwell Banker, that we had been earning steady income and more than enough to pay our mortgage. Ultimately, PHH denied our application and our home was foreclosed on XXXX XXXX. We sent a certified letter requesting the reason for the denial and have not had a response.
I 'm a victim of identity theft and you all keep giving someone premission to use my chexsystem info to open and inquiry about new accounts. I need to dispute everything on my chexsystem report because I have n't open or tried to open any accounts. I have a lot of inquires that I did n't authorize.
On XX/XX/XXXX I checked myself into XXXX XXXX XXXX XXXX Regional Medical Center in XXXX, AZ for emergency room care. They treated me, took down my insurance, and discharged me. About 90 days later I received a bill for {$550.00}, despite the fact they were in network with my XXXX medical insurance and I only owed them {$150.00} for a co-pay. I have had my insurance call them and their billing on 3 occasions, each time they said a supervisor would review the account, get it updated, and meanwhile my account would be put on hold to avoid collections. They refused to update it after each of these times even though my Explanation of Benefits/EOB shows they agreed to the {$150.00} co-pay charge. After that, I called them about 10 times ( with witnesses ) and was told recently on their recorded line that an Explanation of Benefits form I sent to them back in XX/XX/XXXX was received and successfully reviewed to update my bill, they also said I would receive a new statement ( for {$100.00} as I paid them {$50.00} in good faith ) and have approximately 15 days to pay. I received a bill on XX/XX/XXXX still for {$500.00} and had a due date of XX/XX/XXXX. Despite this, they sent me to collections on XX/XX/XXXX with a sister company of theirs ( XXXX - they sent me a formal notice ). Representatives for XXXX XXXX refuse to put a supervisor on the line, the supervisors do not call me back after I am promised they will, and just tonight I was hung up on completely by a representative who did not wish to help me. I contacted XXXX who gave me the same run around with sending in the same EOB form. I am very concerned and afraid these people are just going to report this incorrect amount and ruin my perfect credit. They are behaving like incompassionate, rude, thugs who just want to get an extra {$400.00} out of me for no reason or else they'll destroy my credit. The documents prove what I owe.
Citibank I disputed this account about charges that they told me they was going to look into. I call time after time and they told me some one would get back with me. 
I wrote and disputed this account with 3 letters before it was turn over to collection and disputed it with no follow up on there part and mailed 2 letters disputing the account. And was talk to crazy on the phone and threating me to pay them XXXX XXXX. 
I 'm also being talking to some one of my legal rights rather to sue and show documents to the account or resolve it.
I got a letter from Transworld Systems Inc located in XXXX XXXX, OH dated XXXX XXXX, XXXX for a medical balance of {$21.00}. The letter was not even addressed correctly. When I call them they refuse to give me the debt information first time. I called the second time and then I was given the original debt information. I told them I have not ever used their services. When I called the original debtor, I was told by them they do not use their services at all. Then they could not find anything in their system. Their website is not working properly. They claiming this to be from XXXX of XXXX.
COLLECTOR HAS VIOLATED ALL CONSUMER PROTECTION LAWS THE LAST ONE WAS S.O.L. EXPIRED ON SAID DEBT SEE ATTACHED.
Was told that upon payment ERC would forward to all credit bureaus a letter in regards to deletion from my credit report. Sent a dispute to XXXX and they deleted it however XXXX and XXXX has not done so or have not been notified by the collection company.
On the evening on XX/XX/18 my Chase debit card and my Chase Sapphire card were stolen from my wallet. They were replaced with decoy cards that looked like them, but they had a different name on them. My phone was also stolen along with them. I didn't notice as I was out having dinner but paying cash the entire time, and it appeared to me as if the cards were still in the wallet. I just assumed I had my phone stolen. They were then able to call Chase bank and have my ATM limit raised. They then took out {$2000.00} dollars in four separate ATM transactions. Two of them for {$800.00} and two of them for {$200.00}. The person who stole them then went to a place called XXXX XXXX XXXX XXXX and made two separate purchases for {$2200.00} and {$2600.00} respectively. They also made purchases for {$20.00} and {$75.00}. All of these happened after XXXX on XX/XX/18. My account was almost entirely cleaned out by this. I informed the bank the next morning. I filled out a police report and an insurance form for a new phone the next day when I noticed. I have gone through this several times for several weeks with a banker for them. Finally they resolved to not credit me with any of my money back. I am attaching all files that were sent to me by the bank. The police report is also attached.
Over the course of the last month, XX/XX/XXXX, I have been attempting to have an erroneous collections account created by XXXX removed from each of the three credit reporting agencies. This account was created on XX/XX/XXXX in the amount of {$130.00}, and is currently noted as charged off with Equifax. 

However, after many phone calls with XXXX in XX/XX/XXXX, during the creation of a new mobile phone account with them in my name, it was discovered, and stated by their representatives, to have been created by XXXX in error, and further advised that it would be deleted from my report. However, after several months waiting, XXXX has not followed through with that statement and the erroneous account remained on my credit report. I subsequently filed disputes with each agency, XXXX, XXXX and Equifax to have this removed, as XXXX had not taken appropriate action. 

As noted in the enclosed investigation findings from XXXX and XXXX, the account was clearly found to have been invalid and was deleted from my report without further question, however XXXX  has stated on multiple occasions that their own investigations have deemed this account valid and that it would remain on my account. It is unclear how two of the three credit agencies could come to one result, while the third agency remains staunchly convinced of their own completely inverse investigation results. 

These investigation results from XXXX  and XXXX  were even faxed to Equifax as proof on XX/XX/XXXX at XXXX, as shown in the attached cover letter and fax transmission confirmation. Despite this, they have thus far only updated comments on the account and subsequently reduced my credit score by 14 points, in what appears to be a suspiciously retaliatory act. 

In multiple phone conversations with Equifax ( phone numbers XXXX and XXXX on XX/XX/XXXX, XXXX ; XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX ), I was advised that " Equifax has their own investigation process '', and that I would need to obtain a deletion letter from XXXX. 

In a subsequent call to XXXX ( XXXX on XX/XX/XXXX ; XXXX ), I was advised that due to the FCRA they do not send deletion or " pay to delete '' letters, and would be unable to assist further, despite my stating several times that I was previously advised the account was created in error. 

I would like the CFPB to investigate and remove this account from my Equifax report as soon as possible. This account was stated to have been created in error by XXXX representatives, and confirmed to be an error by XXXX and XXXX 's independent investigations. I have received no assistance of any kind from either Equifax or XXXX, despite these errors being of their own creation, errors which have had a significantly detrimental impact to myself and my credit report.
In the process of refinancing my house with suntrust mortgage company I was providing all the documents required and following all their instructions to have my house refinanced. The whole time I was being led to believe that everything was on track. during this time I was told that I need an appraisal on my house and that cost XXXX. Everything is on track I believe. I would call suntrust to follow up on the progress of my refinance and was told that paperwork was being processed. Approximately two weeks after the appraisal someone from suntrust called me and said that I was denied to refinance my house because my income to debt ratio was to close. I had never spoken with this person during my refinance process and he could not answer any of my questions. I called the agent I was working with and had to leave several messages before he would return my calls. When he finally called me back I explained to him that they should have known I was approved before they took my money. I have spoke with other lenders who said they should have never taken my money until they knew the deal was going through. My agent at suntrust assured me that the money would be refunded to me within seven to ten business days. It 's been over two months now waiting for my refund. Every time I call suntrust I get an assurance that the money is on its way. I have been very patient but I feel like their giving me the run around. The last time I called he told me that the appraiser is sending me the money but I have yet to see a check in the mail. I spent almost XXXX with no service provided. I think it 's wrong, illegal and very dishonest what they are doing and how they handle their business. I would like my money back so I can use that to go a different route in refinancing my home. During the process there was never a change in my income or credit. They had all the proper paperwork with my income/debt. With that information with them they should have been able to determine weather or not my refinance was going to go through before they charged me for the appraisal.
I've tried to do An income based loan with Navinet, which apparently was denied. Also, I have faxed and mailed in several hardship loan discharge forms to have loans removed/waived for student loan forgiveness, which according to Navinet,  customer service representatives, they've never received. I have been trying for years, since my university closed ( XXXX   University ) and left me with a slew of unpaid college debt, repeatedly to have some of my loans discharges, but the only situations, Navinet continues to offer is a forbearance or deferment. Which, is only causing interest on top of interest. I still don't have a XXXX XXXX XXXX, which before my university closed it's doors, I was 5 classes away from graduating. I have developed a lot of medical problems and bills, XXXX and XXXX is just the icing on the cake, stressing over how to pay my student loan debt. Now, I have two teenage sons, ages XXXX and XXXX, that I am preparing for college, which is causing more stress.
I have contacted the the card companies as well as the credit agencies. Ive been dealing with Identity theft for over t he last two y ears. There are  XXXX  credit cards that were opened that I did not authorize and they are using my correct social security number but incorrect date of birth. I would like for these credit cards to be removed from credit report.     1.  XXXX     XXXX   XXXX   ( OPENED DATE  XXXX / XXXX / 2016  )  2.   XXXX   XXXX   XXXX   XXXX   XXXX   ) ( O PENED DATE  XXXX / XXXX / 2016  )