WillisBack/dataset-financial-user-claim huggingface dataset:
Consumer Financial Bureau XXXX XXXX vs. XXXX XXXX  XXXX XXXX XXXX XXXX Title Department XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX ( XXXX XXXX XXXX XXXX ) VIN # : XXXX To whom this may concern : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX ( XXXX ) from XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Due to not wanting a car note, I decided to borrow money from my 401k to make a cash purchase. Myself and my cousin went to the bank to cash the check and to make the transaction. When I arrived back to XXXX XXXX XXXX, I was asked by a female sales associate to follow her to another location XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX to finalize the sale. The female also stated, during our conversation that she was part owner of both locations. Myself and my cousin waited in the lobby for about 10 min before being called to the office finalize the sale.
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I paid XXXX cash and had a balance of XXXX which was set in installments of two payments. I made one payment but when I returned to make another payment, both locations were permanetly closed with no forwarding information. I then filed a complaint with the DMV who investigated my concern. The DMV shared with me that both auto shops were in current litigation and provided me with the phone number to XXXX XXXX. I contacted XXXX XXXX, XXXX  XXXX who then asked that I complete an affidavit and have it completed and notorized before my title and plates are released to me.
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After returning the affidavit as instructed, I waited several weeks and did not hear back from XXXX XXXX. When I called, she stated that the attorney asked that I send a short email detailing some specific parts of the sale. XXXX XXXX also asked about a section of the affidavit that I accidently overlooked about whether or not I had knowledge or participated in any fraudulent business practice or nefarious activity involving both XXXX and XXXX XXXX.
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Over the last 5-6 months, I have provided XXXX XXXX XXXX with all documents pertaining to my purchase. The documents included : Bill of Sale, Bank Statements etc ... After waiting several weeks and no follow-up from XXXX  XXXX, I gave them a call. I was then informed by XXXX XXXX that I would have to provide a summary of the entire transaction. I completed the summary and forwarded it as requested. On Thursday, XX/XX/XXXX, I contacted XXXX XXXX  who stated that she have no update for me. XXXX XXXX has refused release the title/plates to my vehicle or provide me with updates. As of today, I am no longer able to get another temporary tag for my car. XXXX XXXX XXXX failure to release my title and plates as caused hardship because I am unable to drive the vehicle to doctor appointments and to work.
. I pray that this matter will be resolved swiftly without further delay Regards, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Texas XXXX
This account does not belong to me and I was unable to verify this debt. I sent a debt validation letter out to XXXX XXXX XXXX and was unable to reach them. Credit reporting agencies are required to provide correct information in order for me to validate this debt belongs to me. My letter was 'returned to sender '. Please see attached photo of returned letter and address on credit file.
I contacted Equifax on numerous occasions via telephone in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed multiple inaccurate inquiries online and via US Mail. They replied each time that all inquiries are factual when in case they are not. I have a fraud alert on my credit report and unauthorized inquiries that I absolutely did not authorize after several failed attempts with Equifax they have not deleted any of the inquiries. I am trying to purchase my first home and having so many inquiries on my report is slowing down the purchase process.
TO WHOM IT MAY CONCERN : RE Loan Number : XXXXThis is a Notice of Error filed against Ocwen Loan Servicer for violation of CFPB Servicing Rules 1026.41 ( d ) ( 1 ), 1026.41 ( d ) ( 2 ), 1026.41 ( d ) ( 3 ). 

According to recent news reports Ocwen is broke and I believe that the company is trying to recoup monies from customers like me so they can pay the monthly advances on delinquent loans in their servicing portfolio. 

These blatant violations of federal rules are adversely affecting my mental and physical health. 

I am a retired senior citizen, living on a fixed income in XXXX and every penny counts. 

That is why Ocwen 's practice of repeatedly increasing the amount of monies they claim I owe is so disturbing. 
A quick recap : I signed a modification agreement in XX/XX/XXXX and agreed to pay monthly amount of {$1500.00}. This amount included escrow to pay my insurance and taxes. 

I paid the agreed amount on time every month. 

Unfortunately, Ocwen does not recognize the terms of our agreement and has changed my monthly payments XXXX or XXXX times since XX/XX/XXXX. Of course, the change is always an increase in payments - not a decrease. 

I filed a Notice of Error in XX/XX/XXXX, because Ocwen stopped sending me a periodic statement. 

Ocwen referred the complaint to their law firm XXXX XXXX, who responded with a package of information, none of which answered my complaint. 

However, Ocwen did begin sending me monthly statements in XX/XX/XXXX. Unfortunately, those statements are filled with errors. 

The errors were in the escrow category, and after repeated attempts to resolve the errors over the phone with Ocwen reps, I decided to pay my property taxes and insurance directly, instead of paying into escrow with Ocwen. 

In XX/XX/XXXX, I mailed a letter to Ocwen, stating that I am going to pay property taxes and insurance directly, and cancelled the escrow. Ocwen sent me a letter dated XX/XX/XXXX stating it had received my Notice of Error and was researching the issue. 

I never received an answer regarding escrow, but paid the {$1600.00} which included escrow in XX/XX/XXXX. 

In XX/XX/XXXX, I paid only the principal and interest in the amount of {$600.00}. I refuse to pay escrow to Ocwen because they are mismanaging the funds. It is my right to suspend payment of escrow upon notice given. I have noticed Ocwen of my decision. 

What do I want? 

I want to manage the payment of my taxes and insurance directly. I will no longer pay Ocwen escrow. 

I want Ocwen to correct the errors in my statement, apply my payments to principal and interest, and remove all fees. 

Thank you. 

Sincerely, XXXX XXXX
CONSUMER COLLECTION MANAGEMENT continues to report derogatory information to my credit report on an account that has been paid in full with the original creditor. I have requested this company to stop their attempts however, they continue to report false information. 
XXXX is the original creditor
On XXXX XXXX, 2015 I applied for an installment loan with Ace Cash Express for the amount of {$4200.00}. Ace Cash Express deposited the funds into my primary checking account on XXXX XXXX, 2015. 

According to the agreement, I am to make XXXX payments in the amount of {$270.00} with an initial payment of {$330.00}. The initial payment was deducted from my account on XXXX XXXX, 2015. As of XXXX XXXX, I had repaid {$1100.00}. I contacted Ace Cash Express on XXXX XXXX to get a pay-off quote and I was informed that the pay-off through XXXX XXXX, 2015 is {$4100.00}. I 've complied with the loan agreement and made payments as scheduled, but only {$16.00} has gone toward the premium balance. 

I have ceased making payments until I can get a resolution on the interest. This is a predatory loan and I do n't think it is legal. I 'm seeking assistance for a resolution. I am not opposed to paying the loan as I have taken loans with Ace Cash Express in the past, but I was always in a position to pay the loan in full within a couple of weeks, so I did not realize that this Company specializes in predatory loans.
A phone account with XXXX was opened linked to my address with an incorrect last name for me and it was not something I requested during a time I did not live at the address the bill is linked to.
I had all my inquires that were removed with the TranUnion Data glitch. Trans Union then told me that I was n't a victim of this glitch when I originally was notified that I was a victim. They then reinserted the originally deleted inquires. I would like these inquiries deleted per Sec 611 which pretty much states that anything deleted and reinserted needs a 5 day reinsertion letter, which I never received. Therefore I am requesting that they remove the following inquires. <P/>1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXXXX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX/XXXX  XX/XX/XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX/XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.  XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX
i opened account on  XXXX  and never missed a payment until  XXXX  in  XXXX   XXXX  and since than i never missed a payment but they are not reporting my account positive since  XXXX   XXXX  it is still in the negative status
Describe what happened so we can understand the issue ... 
I am a victim of fraud, I lost my wallet some years ago. I called all XXXX credit bureau and they placed a fraud alert on my credit report. I pulled up my credit report for Equifax to find that I have XXXX inquiries on my report. I called and spoke with XXXX who stated she could not help me so I asked to speak with her supervisor. I spoke with supervisor XXXX Badge # XXXX I explained to her that these inquires are not mine and I need her to open a investigation so that I can dispute the inquiries. The banks are on my credit report XXXX times in some cases you know that is fraud. XXXX ( her name ) representative XXXX told me to get over it and wait until they fall off. I told her that I was going to report her to Consumer Financial Protection Bureau and also sue Equifax because this report is hindering me from getting a home. I also provided her with the police report number that I filed. XXXX would not hang up her phone on the other end I can not dial out on my phone she refuses to hang up her line this is harassment. 
XXXX PLEASE REMOVE ALL INQUIRES THAT DO N'T BELONG TO ME
Entered into income-based Repayment plan InXX/XX/2011. I was working for XXXX XXXX XXXX so the employer was proper. Last year Navient realized that since I was in the public service loan forgiveness program my loans should be switched to XXXX. My loans were switched. I am not getting credit for any of my payments To Navient. They can not explain to me why. I have submitted requests for review on four separate occasions.
I was first contacted by phone number XXXX stating that he needed to know a time that I will be home so that I can be served a lawsuit. I asked what the lawsuit was for and he then told me to call XXXX. I called that number and a person named XXXX XXXX and told me that the creditor ( Ace Cash Express ) was going to press criminal charges on me if I did not pay the debt owed in the amount of {$590.00}. I asked him why would they press charges on a debt that has already been placed on my credit report and why he was threatening me. He then asked if I wanted to take care of the debt over the phone because if it went to court then I was looking at paying up to {$3000.00}. I told him I did not have XXXX that day to give but I could make pay arrangements. He then said mam we are not going to get anywhere I will see you in court and hung up on me. I called the number back and spoke with another guy who said his name was XXXX XXXX and explained my previous conversation with XXXX and asked why would they try to press criminal charges on me? He then said that they will not if I can make a payment or payment arrangement so I set one up. They never said the company they were representing only when XXXX sent me an email with an invoice that looked fake is when I seen the company name was XXXX XXXX XXXX XXXX. After doing further research I am unable to find any info pertaining to this company so I am not sure if they are a legit collection company or not. I never received a letter in the mail with anything regarding an arrangement
I am XXXX XXXX of XXXX XXXX XXXX XXXX XXXX assisting a homeowner who is receiving bills for a loan that they did not authorize. In XXXX XXXX, 2015, XXXX XXXX entered into a contract with XXXX to install a solar panel system. XXXX completed finance documents on behalf of XXXX XXXX through Greensky. Greensky issued a payment to XXXX for {$7300.00}. XXXX never installed the solar panel system. XXXX XXXX has been receiving bills from Greensky. XXXX XXXX never signed anything for Greensky. XXXX XXXX does not speak English so if you can have a XXXX speaking Representative contact him it would be greatly appreciated. XXXX XXXX, XXXX Representative explained things in XXXX to XXXX XXXX, but gave him English documents that he knew XXXX XXXX could not read. Thank XXXX XXXX
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NAVIENT XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX/NAVIENT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
The bank continues to ignore my requests to access my loan and make timely payments. They will not call or email me back although I have requested it several times. I need to be able to access my loan information and make payments before late fees are accumulated.
On XX/XX/XXXX my Attorneys sent CALIBER HOME LOANS, XXXX XXXX XXXX XXXX. and the XXXX XXXX XXXX XXXX C/O: XXXX XXXX, at XXXX XXXX XXXX, XXXX, XXXX, TX XXXX, along with a copy to the Attorney General of Texas, and the Department of Justice of the U.S., FBI, Fraud Investigation Department, along with XXXX XXXX XXXX, XXXX, ( Servicer ), the attached letters requesting TILA documentation under Regulation X and to date, they have still not replied. On my Deed of Trust signed on XX/XX/XXXX ( attached ), specifically on page 13 of 16, number 24, it clearly states that only the LENDER can substitute the alleged TRUSTEE. Yet on or about XX/XX/XXXX, XXXX XXXX XXXX, acting as Vice President of/obo Attorney in Fact for Caliber Home Loans, Inc., the  SERVICER, allegedly assigned my Deed of Trust to XXXX XXXX XXXX XXXX, ACTING AS TRUSTEE FOR THE XXXX XXXX XXXX XXXX at the same address as Caliber Home Loans, XXXX XXXX XXXX, XXXX XXXX OK XXXX, which we believe to be a fraudulent document recorded on Public title which is a felony. Also, there is no mention of the assignment of the Note which violates the FCPA, 15 USC 1641(f)(g).
My account was not overdrawn and yet I have been charged a XXXX} overdraft fee. TD Bank is currently fighting a class action lawsuit for their fee behavior and I have say I 'm very disappointed with their poor behavior toward my account.
XXXX of XXXX pulled my credit on XXXX/XXXX/2015 from minimum XXXX banks and other institutes without my authorization. I called XXXX of XXXX, XXXX TX XXXX to remove the inquiries on phone, they said I should ask Credit Bureau, when they will contact ask them, we will ask them to remove. 
I spoke to XXXX credit Bureau, they told me to contact the company who pulled the credit file, or I call individual company. 
My credit is ruined by these marketing guys, My son XXXX years old goes to XXXX, he is XXXX, I am trying to get a vehicle XXXX but due to many unauthorized inquiries and negative impact on credit report I am declined for that and also for other financial help I try to get some loan. Please help me I am not able to deal with big companies they do n't care and do n't want to listen what I am saying. For me and my XXXX son its very important to remove from my credit repot. 
I would appreciate for your kind help, you can see in attached lists how they have pulled my credit report. Not only me but my XXXX ( I am XXXX ) family and specially my son who is XXXX at XXXX ( XXXX XXXX XXXX ) who really needs transportation and van XXXX, due to too many unfair and unauthorized inquiries. 
I have attached XXXX files, includes all XXXX credit Beureaus Consent to publish the description of what happened? Consent provided Supporting documents Unauthorized Inquiries list XXXX XXXX XXXX Bearues.docx ( XXXX ) credit iquiry XXXX Beureaus.pdf ( XXXX )
I have been in contact in the past with bank of america trying to resolve this identity theft issue that resulted in me owing them over {$500.00}. I have filed a police report, and have provided them with the information to contact the XXXX Police Department. However, after one year of trying, Bank of America refuses to delete this incident from my XXXX and early warning report. This fraudulent account that was opened due to identity theft has caused me nothing but turmoil and agony trying to open a bank account, self lender account, and credit card accounts. I am a XXXX XXXX XXXX who can't open a bank account to receive direct deposit from my PT job and I can not open a self lender account to help build my credit so that I can apply for a loan in the future. I can not even get approved for a subprime card, such as XXXX XXXX to help build my credit. Luckily I was approved by XXXX for an auto loan because they are unlike traditional banks. 

Bank of America replied in XX/XX/2018 with this statement : " When we closed the checking account ending in XXXX, the final balance was negative {$530.00}. Please contact our Recovery Services unit at XXXX Monday to Friday XXXX XXXX. to XXXX XXXX Eastern, to make payment arrangements for the outstanding amount owed. We have confirmed that as of the date of this letter, this account was accurately reported to XXXX  , XXXX and XXXX XXXX XXXX , XXXX.
On XXXX XXXX 2015 we moved from XXXX in XXXX XXXX, GA to XXXX in XXXX, GA. We left due to management not dealing with issues. XXXX The noise of cars coming in at XXXX, XXXX or even XXXX with the base woke us up consistently. We always got told to call the cops but when the police would get there nothing would be able to be seen or heard.It was XXXX that use to own XXXX. Then XXXX company came in and took over. The situations became even worse than before.Our belongings were out by XXXX and the keys were put into their slot. We have paperwork with the rental truck etc. They kept our security which we just wanted out of there so we did n't care. But because They did n't return until XXXX XXXX which is a monday they are trying to state we owe XXXX for a full months rent. But their was XXXX of us in this apartment and they are only coming after me and put it on my credit report. We do n't owe the money as we were out. I dont get why they state I owe this money and I am trying to get this off my report. I paid a week in advance for wedgewood which was XXXX to move in. We were fully in by the XXXX XXXX. How can they put this on my report and give it a negative due to this collection agency? PDM Debt Mediation
Property Address : XXXX XXXX XXXX XXXX XXXX CA XXXXWe made XXXX early payments:XX/XX/2014 $ XXXXXX/XX/2014 $ XXXXXX/XX/2014 $ XXXX, the money was not applied to the outstanding loan principle on the date we made the deposit. For example, the {$380000.00} on XXXX/XXXX/2014 was applied to the loan on XXXX/XXXX/2014. The XXXX and XXXX payments were applied to the loan on XXXX/XXXX/2014. 
Why the early payment could not applied to the loan on the deposit date? Does it cause us to pay extra interest due to the delay? The loan officer did not inform us of this when we applied the loan. Our previous home loan from XXXX bank applied early payment on the deposit date. 
After talking to a staff from Bank of American customer service department, I finally understood the reason why my early payment {$380000.00} on XXXX/XXXX/2014 had to wait for 4 days until XXXX/XXXX/2014 to apply to the outstanding principle balance. He told me that any early payment can not be applied to the principle until the regular payment date and it is XXXX/XXXX/2014. When we decided to choose Bank of America for our mortgage loan, the loan officer, XXXX XXXX XXXX just told us that no penalty for early payment but did not tell us about early payment has to wait the regular payment to be applied to principle. This caused us XXXX losses. 
The first XXXX is the interest that we could earn if we keep {$380000.00} in our bank account until XXXX/XXXX/2014 and that is about {$20.00}. 
The second XXXX is the extra loan interest that we paid for {$380000.00} during the 4 days from XXXX/XXXX/2014 to XXXX/XXXX/2014 and that is about {$200.00}. 
I would like Bank of America to give us XXXX credits of {$20.00} and {$200.00}. 
Bank of America reply did apologize for any inconvenience this may have caused, but refused any financial compensation that I requested.
I have an account with coinbase, com from earlier this year ( 2017 ) I have been buying and selling cryptocurrency through their site until recently when i tried to buy bitcoin ( BTC ) through my bank account which had too few funds in it which was a mistake i made. 
Since then i see that when i log into the account my account is set to restricted access and can not buy or sell. Effectively freezing my money deposited in there. 
I have tried to email support, and call the number for help and so far had no reply by either methods. There is now no way I can access them and unfreeze the account. 
I did get through their phone system once - earlier today, and hit '2 ' for a call back. I was called back ( the mans voice was the same as the voice on their 'Please hold ' message. He asked me to hold the line, and the line went dead. He never called me back. Since then I have tried repeatedly to call to no avail. 
Please help. 
I have etherium ( ETH ) coins purchased ( currently valued at around {$4000.00} )
I used my Netspend card at XXXX of their " FREE '' ATMs. AFTER logging in and clicking " withdrawal '' I was then asked whether the w/d should be from Savings or Checking ( I was given the choice ) ; so I chose " Savings ''. The machine then denied the choice IT gave me and charged me a decline fee for insufficient funds ; not because the amt was n't in my saving account, but because ( from calling them ) they say they do n't allow withdrawals from savings. If you 're going to charge a fee for an option you do not allow, you should n't offer the unallowed option as a choice. Please look into this. I have saved the receipt and I 'll supply you with what you need. Thank you XXXXXXXXXXXX.