WillisBack/dataset-financial-user-claim huggingface dataset:
Initiated refi with Roundpoint Mortgage XX/XX/XXXX, called a week prior to loan transfer to inform County Taxes ( 6 months ) and Hazard Insurance ( year ) was paid last month. 

XX/XX/XXXX Roundpoint paid County Taxes and Hazard insurance causing a " shortage '' in our account, i informed them of their mistake they said they would take care of it and request refund and place fund back into escrow balance. 

XX/XX/XXXX, Roundpoint sent us a notice that our mortgage was going up due to a " shortage '' in our escrow account. I had to call and inform them of their mistake and that our account had been refunded our County Taxes and Hazard insurance ( {$4300.00} ). They informed they would run a new escrow analysis since fund had been returned but not accounted. 

XX/XX/XXXX, escrow analysis was never completed. Called again, Roundpoint informed they would run one asap. 

XX/XX/XXXX, Roundpoint has an overage in our escrow account ( over $ 2K ), taxes have not gone up and hazard insurance has not increased, yet Roundpoint withdrew an extra amount to cover for a " fictions escrow shortage ''. Contacted Roundpoint, they never apologized and still initiated the extra amount for XX/XX/XXXX to cover for a non-existent shortage. 

XX/XX/XXXX, Roundpoint sent us a check with excess amount owed back to us causing a real shortage in our escrow account and causing our mortgage to go up! 

These people are totally incompetent when it comes to numbers and escrow accounts! They have illegally raised my mortgage when my fixed rate can not change and my County taxes and Hazard insurance has not increased. 

I have only had their " service '' four months and they have not got ANYTHING right, i have had to call every other week to request promised excreted analysis be done and demand my payment return back to what it was locked in at. 

AVOID this company.
On XX/XX/XXXX, I received my credit file from XXXX/results from their investigation regarding XXXX XXXX XXXX XXXX account number XXXX and XXXX Confirmation number XXXX investigation is inaccurate.On XX/XX/XXXX, I opened XXXX XXXX credit and is now called XXXX XXXX XXXX XXXX for XXXX tire in XXXX XXXX Michigan for XXXX XXXX and in XX/XX/XXXX this account was closed and paid in full.It is now XXXX, well over the 10 years and this account should have dropped off from XXXX as well as XXXX and Experian , but it hasn't.On XX/XX/XXXX around XXXX, I called XXXX XXXX XXXX XXXX and spoke to customer service agent XXXX @ XXXX, and she stated that XXXX, XXXX and Experian should have removed this old account from your credit reports.I asked XXXX @ XXXX what is the the date it was closed because it does not show on my XXXX file and she stated that the closing date is not in their system but the last activity XXXXI know this account is more than XXXX XXXX old.Therefore, XXXX investigation is inaccurate.This closed account that's paid is hurting my credit score and overall credit and must be removed.
I purchased a XXXX XXXX XXXX in XX/XX/XXXX jointly with a friend of the family. The car was a total loss as of XX/XX/XXXX. The insurance issued payment in XX/XX/XXXX which brought the principal balance down to roughly {$8000.00}. Santander recalculated interest and modified my payment. I filed the claim with GAP ( which later I learned should have been handled by Santander, but they dropped the ball ) and the Gap company, using the payoff date of XX/XX/XXXX, paid the remaining balance. I was then told by Santander that I had a $ 500-ish balance because GAP didn't cover all the fees. I contacted GAP company for clarity who advised that they did in fact cover all the fees and that they paid according to the payoff. I chaulked it up to a loss, and asked Santander to modify my payment with the new principal balance, that way I could make affordable amounts on the account without falling behind, since I had to finance another vehicle. They told me that the first modification was a courtesy and they were under no obligation to do another so they couldn't help me. I have called repeatedly trying to figure out what the $ 500ish amount was. One person told me it was a payment that wasn't made, etc. etc. I have not gotten a straight answer from them and now my credit, along with the joint debtor 's credit, has taken a hit. In my review it looks like they, even though they received a the insurance payment and the GAP payment, still expected me to make an additional payment and I don't understand where that payment is coming from. The maturity date on my loan still says XXXX, but they never adjusted the payments to spread them out over that time period. Not that it matters, because I wouldn't take that long to pay it, but it would make it easier for me to manage right now. I am very suspicious of their accounting practices and lack of ability to answer questions or disclose information. I can understand having some lingering interest charges one both insurances paid out, but enough to equal another payment seems ridiculous to me, especially when they would have received their GAP insurance payment much quicker if they had done their job. I shouldn't be punished for their inability to perform their job adequately. I made a {$400.00} payment today which leaves a {$140.00} principal balance, however the payoff is {$710.00}! I dont understand the amount of fees they keep adding to this loan. It seems like they don't want me to be able to pay it off.
On XX/XX/XXXX I sent a dispute to Equifax regarding a collection account that was improperly being reported on my credit profile with their company and should be removed. 

On XX/XX/XXXX Equifax closed my dispute noting that they verified the account. They updated the tradeline, re-aging the account and lower by credit score by 5 points. This was not only incorrect but illegal. 

The account in question that I disputed is with a collection company named XXXX XXXX XXXX. There was no way for Equifax to verify this account as they alleged in their response to my dispute because I have proof that XXXX XXXX XXXX deleted the tradeline on XX/XX/XXXX. XXXX and XXXX both removed the tradeline as a result, however Equifax is claiming that this tradeline which was deleted by the company has been verified. Equifax has gone as far as updating the account to reflect the last activity on the account as XX/XX/XXXX. This illegally re-ages the account to make it remain on my credit profile longer.
On XX/XX/2018, Atlantic Recovery called my parents phone number and advised they were attempting to collect a debt for me. They shared they account name and amount. The agents name was XXXX XXXX.
Starting back in XX/XX/2017 I disputed 3 XXXX  XXXX XXXX Accounts with Transunion 's that were being reported on my credit report. It has just hit a year and nothing has been done to fix or address my requests. I have asked the Transunion to verify the account multiple times throughout the year and show some kind of verification or original signed contract showing that this debt is mine. I have contacted XXXX  XXXX XXXX to request the same thing and they have sent nothing back to me. This unverified account is negatively impacting me from purchasing a new truck for my business and has delayed this for an entire year. I am aware that the credit bureaus use an electronic verification system called XXXX XXXX so the accounts are not actually being verified. It is my right as a consumer to see the verification in hard copy form if it is going to be reported on my credit report. 

Attached are some of the letters sent along with return receipts showing that the letters were sent to all 4 organizations.
I applied for a Capital One credit card in XX/XX/XXXX. 

I received a denial letter from Capital One shortly thereafter, with the reason listed as " insufficient duration of credit '' attributed to XXXX ( only ). 

I subsequently requested and reviewed my XXXX report, which accurately listed the fact that I have had a single credit card in good standing since XX/XX/XXXX. 

I followed Capital One 's procedure for dispute resolution and wrote a letter explaining that the XXXX   report accurately reflected my record, and I received a letter stating that the decision on my application was final. 

Since I did not understand why I was being turned down for credit - there was no specific explanation regarding what in the XXXX  report suggested that my credit was of " insufficient duration '', I filed a complaint with the CFPB ( XXXX ) in XX/XX/XXXX. 

I received a letter in response from Capital One on XX/XX/XXXX which stated the following : " I looked into this further for you and can confirm that the decline was correct. Please understand the decision was based on information in your credit file. '' The letter did not specify what information in my credit file was used to provide the rationale for the denial. The letter further stated : " If you have questions or concerns, please give me a call at XXXX, etc. I'm glad to help any way I can. '' I subsequently called this number a total of 5 times over the next 6 weeks. I learned the name of the specific agent who crafted this letter - XXXX - and was told by Capital One that she would call back within 24-48 hours ( each time ). She never called back. Today, after my 5th attempt at calling XXXX, I was informed ( by XXXX in the " excecutive office '' ) that XXXX considers this matter closed and will not be calling me back. 

I still have no idea why Capital One denied my application for credit ( other than a claim of " insufficient duration of credit '' unsubstantiated by the XXXX  report ), and while XXXX provided a written response to my first CFPB complaint in which she offers to " help in any way that ( she ) can '', she now refuses to return my calls or speak with me.
I have an FHA mortgage loan that I used to buy my home that is held by Citi Mortgage. At that time, I was XXXX and had a successful XXXX XXXX XXXX XXXX XXXX XXXX. However, after the market crashed and the recession hit I began struggling financially and lost most my clients. I was soon forced out of business and had to start from scratch taking a XXXX job. This caused me to struggle and I began missing mortgage payments. I tried to get Citi Mortgage to work with me but just got the runaround from their loss mitigation department. I continued trying to negotiate and was able to continue making the mortgage payment on occasion. I was hoping for some kind of resolution. In 2013 I was finally able to get some traction with Citi and was approved for a trial modification and made 4 payments and was expecting to be put into a permanent solution. However, while in the trial plan I came home and found a man trying to change the locks on my property!!! I got information from the person who was supposedly the new owner and found out that the foreclosure was false, and that this company out changing the locks was shady and that Citi Financial was representing another company that was committing fraud. I was able to go to court to try and get this matter resolved, and thought I had things straightened out. However, I am now told that I am back in foreclosure. I have been made aware that Citi Financial has been involved in other cases of fraud with HUD and misrepresenting FHA loans and the status of these loans they are holding. I want to resolve this situation and save my home. I have rebuilt my XXXX XXXX and am back on my feet financially and able to afford a fair and reasonable monthly payment. My issue is that Citi is failing to conduct a review of my current and correct financial information in order to determine what retention programs that FHA has developed for struggling homeowners I qualify for. This should not be optional for Citi Financial, it should be required.
Without explanation, notice, or legal authority, XXXX XXXX is now refusing to process electronic payments. This is an illegal and transparent attempt to unlawfully accrue additional interest payments.
XXXX This is not a duplicate *** There have been many activities of fraud activities on my mortgage account XXXX due to NationStar lack of security. With NationStar lack of security my account was compromised and harm has been caused to me. 

There were multiple delinquencies due to my tenant compromising my account and changing my contact information to her contact information. This was done without my awareness or consent. There has been falsified letters written by my tenant and a loan recodification also done by my tenant. All done without my awareness or consent. 

NationStar wo n't cooperate with such evidence. There was a letter written by my tenant pretending to be me requesting for authorization. The phone number on the letter is her cell phone number. The letter is page XXXX of a fax, but NationStar wo n't provide page XXXX XXXX fax cover page ) which will show that the fax was sent from her place of work. 

Also, there was a loan modification done to my account by my tenant by her contacting the " Making home affordable '' department to reduce the amount of monthly payment. In the documentation provided, Page XXXX shows the fax cover sheet which shows that my tenant XXXX XXXX was the one that did the loan modification. Upon bringing it to NationStar 's attention, NationStar was quick at looking the other way, yet forge the documents by removing page XXXX XXXX Fax cover page ) and then stating that no fraud has happened on the account. Yet, after forging the document, upon still requesting other information, another rep provide the same document and this time the document had page XXXX ( fax cover sheet ) So NationStar forged the document to hide the fraud evidence. 

After bringing the multiple fraud activities to NationStar attention, NationStar then stated that there was a voice call in 2006 of someone granting my tenant authorization over to my account. Yet NationStar wo n't provide me with a copy of the recording that would also proof further fraud activities. I have not requested nor granted authorization to anyone over to my account. The letter, loan modification and voice phone call was all done out of fraud activities of someone pretending to be me. 

If someone pretending to be me, that is Identity Theft and is considered fraud and NationStar is supporting it by forging documents removing evidence and not providing other proofs which will further proof fraud. 
The delinquents that happened on my account were fraud, cause by my tenant compromising my account due to NationStar lack of security.
XXXX has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DIVERSIFIED CONSULTANTS INC 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.
I have XXXX mortgages ( my husband and I own XXXX houses ). No surprise, XXXX mortgages have been transferred to other companies. XXXX companies charge us an " online processing fee '' for paying on line. This makes no sense at all! They do n't have to pay someone to open a letter and process the payment, it 's less secure to mail the payment, and the payment is recorded online anyway. The companies are Specialized Loan Servicing, in XXXX, and XXXX, in XXXX.
I had medic al Insurance an d they refused to take down information. I was on public assistance and I had a government issue insurance in  XXXX , PA   XXXX   XXXX    DOB   XX/XX/1971    PA address   XXXX   XXXX   XXXX   XXXX   , PA  XXXX
I have been a CAPITAL ONE customer for a few years and during that time, I have enjoyed my experience with CAPITAL ONE greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have three late payments on the above referenced account that date back to XX/XX/2016. Since that time, I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the past couple of years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was inundated with taking care of aging family. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that CAPITAL ONE is willing to work with me on erasing this mark from my credit reports. This would be both of my credit cards that I have with you. 

I have been a very happy customer in the past and hope to continue a long relationship with CAPITAL ONE. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. CAPITAL ONE has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why CAPITAL ONE is heads above the rest. 

The law, most importantly the Fair Credit Reporting Act, states that you don't have to report everything regarding my account but what you do report should be accurate. I am working to better myself and want to purchase a house in the near future and this would be a great opportunity, a show of goodwill, to help me with this matter. I look forward to your reply.
I was wrongly being foreclosed on. I payed for and was given a loan modification olny to have my last payment returned to me and when I called to question why they said the would not except my checks and sent be foreclosure papers and demanded {$19000.00} of which I did n't have! They sold my loan several times and now the new company had me on the sheriff sale list for XX/XX/2017. I requested a loan modification the told me there was no time that they needed 37 days and it was n't even more then 20 days that they had my loan so I sent some beginning forms of a change in my finances.They in return sent me a letter on XX/XX/2017 agreeing that they would give me additional time to resume my application ... I received this letter on XX/XX/2017 the date of the sale ..The property when back to the bank.I then began to gather my paper work to send in an on XX/XX/2017 I received a letter from them telling me I was denied for failure to complete paper work and bad credit.
Please see below response from Commonwealth Financial to Consumer Financial Protection Bureau. AS OF TODAY XXXX/XXXX/2016 THE DEBT IS STILL SHOWING ON MY CREDIT REPORT ALTHOUGH THE BELOW STATES THAT IT WAS REMOVED. This debt is not mine as stated in previous communication. The statements below are untrue as I had received communication prior to me filing a complaint at the same address. There was no reason anything would have been sent back to them. There whole establishment is shady at best. And the fact remains that they said they reported this debt to be removed, but it is still showing on my credit. 

Response Re # XXXX To Whom It May Concern : This letter is acknowledgment that a complaint was received from your office on behalf of XXXX XXXX XXXX. Commonwealth Financial Systems received certified mail from XXXX XXXX on XX/XX/2016. XXXX XXXX disputed the claim and requested validation of debt. On XX/XX/2016 an itemized billing statement was mailed to her, however, it was returned for bad address. In addition XXXX sent notice to the XXXX major CRA 's to remove the tradeline from XXXX XXXX 's credit history in XX/XX/XXXX. Please provide an updated address so that we can resend the itemized billing statement. XXXX XXXX can reach our office at XXXX. Our fax number is XXXX. 
Please feel free to contact my office should you need further assistance. 
Thank You. 
Sincerely, XXXX XXXX Client Relations This is communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
I told Capital One to stop calling this number XXXX last XX/XX/XXXX. I again reminded them on XX/XX/XXXX and have still gotten calls since. After that, I got calls on the following dates : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX I told them multiple times I could be reached at my cell phone ONLY. And that this was a business number and to NOT contact me at that number because it could get me fired. Yet they continued to multiple times.
Complaints should have the opportunity to respond to company responses. Since both the third party collection agency and the original debtor answered this. Responses are below. 

In regards to : ~~TRANSWORLD SYSTEMS INC ( TSI ) ~~ TSI did not adress the issues. 

1. TSI stated via phone call they received this debt in XX/XX/XXXX. I never received any statements from XX/XX/XXXX-XX/XX/XXXX while I  was in the military and they were fully aware of my location ( s ) 2. I never received any statements until XX/XX/XXXX. Why? 
3. HOW is this debt NOT subject to the limitation in PUBLIC LAW 110-234? 
4. To the best of my knowledge, it is illegal to charge BOTH a collection fee and interest.
5. They refused the settlement.
6. Being a third party collector ( by the admission of XXXX ) they are NOT affiliated with the federal government. They are merely just another collection agency and thus illegally misrepresented themselves and violated the laws which govern fair collection practices. 



XXXX XXXX stated that no address was given. I was still in the airforce when this supposedly got transferred to the 3rd party collection agency. As part of the clearing process both to a new base AND to exit the military an XXXX/soldier MUST go to XXXX and be cleared. 

In addition, when there is an outstanding debt while a member is in service their pay is garnished and a report sent to their XXXX XXXX and XXXX. 

When I XXXX to XXXX I went through the clearing process and also when I exited the XXXX. 

Had there been a debt I would have been garnished while I was still in service AND/OR forced to sign an agreement for repayment upon exiting the military as is the standard. 

TSI has refused the settlement.
Online security freeze is unavailable at all three of the major credit reporting agencies for at least the past three days. The specific issue encountered at each company are below.
TransUnion - " We are unable to process your request at this time. We appreciate your patience while we resolve this temporary issue '' ..occurs AFTER logging in and providing personal information XXXX - `` System Currently Unavailable - Error 500 '' or " We are currently unable to service your request.Please try again later. " ..occurs AFTER providing personal information and accepting terms of use XXXX - Page fails to load : XXXX XXXX XXXX Aside from the persistent errors above, the process to establish a security freeze at each company is clearly designed to discourage consumers from actually doing so. Every alternative option is presented prior to the security freeze and in many cases the company provides reasons to dissuade consumers from electing a freeze. They present freezes as a measure of last resort rather than a rational action.
Normally I 'm not one to advocate for regulation, but this industry is indifferent to the risk they pose to consumers.
I received a notice to pay {$1000.00}. 
It is a scam I do not have a bill with XXXX XXXX XXXX. The account was closed after 10 years. 
THE original account # : XXXXCreditor : XXXX XXXX XXXX, XXXX. 
XXXX Account : XXXX Creditor : XXXXDear CFPB : The credit card I once had with XXXX Bank was closed after 10 years. The account was in 2004.