WillisBack/dataset-financial-user-claim huggingface dataset:
We purchased our home in XX/XX/XXXX. 
We have not missed one payment and pay early each month. 

InXX/XX/XXXX, RoundPoint mortgage send us a refund check of about {$2500.00} from our escrow and told us our monthly would go down about {$120.00}. 
A few weeks later, after we used that $ for other obligations/debts we had, we received a tax bill of about {$4900.00} We promptly contacted Roundpoint to ask them why we were getting the bill and to ensure they would be paying it. They assured us they would and asked us to send them the bill, which we promptly did. The bill which was due in XXXX, still was not paid in XXXX. We called. They told us they would be paying in XXXX, and could do that without incurring penalties. 
At this time of the call, in XXXX, we also asked clarification and concerns regarding whether or not our monthly would be enough since the tax bill was 50 % more than what they had estimated all year, despite the house being appraised in the spring of XXXX. While our property went up in value, their estimation of the tax bill was still way off based on the sale price of the house. We never had issues with mortgage companies before and didnt think of doing more research and assumed they knew what they were doing. 

Comes XX/XX/XXXX. We are about to file our taxes and realizes RoundPoint still has not paid our property taxes. We promptly called and complained and ask them to do that. 
But we are now unable to claim property taxes payment on our XXXX Tax return, which leaves us short of {$1100.00} on our annual tax refund. Which is money lost.. 

They supposedly have paid the taxes this week, precisely on Tuesday XX/XX/XXXX according to them. But as of today, Thursday XXXX, while the amount is not longer in our escrow, the XXXX county tax website still shows us as unpaid and have not received payment, which means another penalty will be incurred today. 

Furthermore, we expressed our concerns again about the XXXX still showing an estimate tax bill of 50 % of what our XXXX ended up being ( information they now have had for a long time ). they said an analysis would be done in 2-3 months to which we said absolutely not we want this done now. 

We havent received the official results of the analysis yet. But from the phone call we received it now sounds we will owe an additional {$420.00} in monthly payment, which is a huge amount on a mortgage like ours We find it unacceptable that just a few months ago they refunded us {$2500.00} and decreased our monthly despite us expressing concerns and now want {$420.00} a month to allow a 2 month cushion and to ensure they will be enough for insurances and taxes.

We also show only one month of premium pay to our PMI in XXXX - where is the rest? we need clarification on this. 

We didnt choose RoundPoint our mortgage got sold to them and obviously they do not know what they are doing. Reviews online are horrible! While we got some phone calls from them, we have also emailed them and sent messages through the message center and have received zero formal written communication from them. We have traces of all our communication and effort.
I refinanced my rental home and my loan was sold to XXXX XXXX on XXXX XXXX,2017. I received a mortgage statement in XXXX for 2 months of mortgage payment. That was paid in full in the month of XXXX 2017. Before that mortgage statement was sent to me, XXXX XXXX placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error from my credit report.
On   XXXX   XXXX    2017 I Submitted  a complete Request for mortgage assistance to Nation Star and have requested Short sell. After multiple attempts at trying to save my home, I have tried everything including modifications and have been denied I am now seeking a short sell. When I submitted my  short sell request the date was  X/XX/17 , at the time my sell date was scheduled for  X/XX/17  I have provided all documentation requested from me. I and my realtor have been in constant contact with Nationstar to check on the status of the short sell. Nation star has confirmed that they have received all documentation pertaining to the short. After 2 months of review, Short sell was declined on  X/XX/17  due to upcoming foreclosure date of  X/XX/17 . I have filled a complaint with the consumer financial Protection Bureau, and have requested a qualify Written Request regarding Nationstar not allowing for a proper review of Short sell, This request and complaints have not yet been answered. Short sell was again reviewed and again declined on  X/XX/17 . Nationstar will not review any workout solution if under 37 days of sell date.Nationstar claim that the review process in under 37 days but i have fax confirmation that i have submitted all forms well over 37 days of foreclosure.. Shortsell was submitted  X/XX/17  sell date was  X/XX/17  This is well over 37 days of sell date. Nationstar Is now forcibly try ing to foreclose my home without following the proper procedures. If Nationstar proceed with this foreclosure they will be violatin g Homeow  ners Bill of Rights [ SB 900 ] in an illegal foreclosure. Under Dual tracking It is illegal for Nationstar to send foreclosure notice as negotiations for a modification or short sale are still underway, It is illegal for a lender to deny a short sale or modification without   providing a written explanation and a 30 day period to appeal the denial.
I have. Requested removal of my XXXX bankruptcy court. 
And denial letters from Ally financial letters sho. DerogatoryXXXX XXXX is removing. I would prefer names and my previous address removed not disputed. Pls resolve this. I expect my credit to beXXXX or XXXX soon
MY MORGAGE WAS SOLD TO ANOTHER MORGAGE COMPANY Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Payment Select Portfolio Servicing , Inc . 
Attn : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX WE WERE SUPPOST TO DO BY WEEK PAYMENTS AS PER AGGREEMENT WITH OUR OLD MORGAGE COMPANY XXXX ... THE NEW MORGAGE COMPANY WILL NOT COMPLY WHITCH IS SELECT PORTFOLIO ... I HAVE PAPER WORK FROM OLD MORGAGE COMPANY .IT KNOCKS DOWN INTEREST BY PAYING BY WEEKLY ....
1. Sold home in XXXX 2. never received electric bill ( even though electric co. says bill was not returned ) XXXX. electric co. sends bill to collections 4. collection co. states it attempted to call me but does not leave messages ( I do not answer phone from unrecognized numbers ) 5. collections co. states it sent me a notice ( I did not receive any invoices/bills ) 6. collection co. admits to sending amount owed/invoice to wrong address but that they resolved and sent to correct address ( never received ) 7. I contact electric co. and pay outstanding bill for {$120.00} when notified by XXXX of an issue 8. I am notified by collection co. debt owed is {$320.00} which I pay ( disparity? ) 9. My personal credit history is of NEVER having been late on payments 10. credit score nose dives from XXXX to XXXX over {$120.00}????????????????
My name is XXXX XXXX and I have owned my home in XXXX, Colorado since XX/XX/XXXX, but unfortunately I now find myself in danger of losing my home. I refinanced into a government backed FHA loan in XX/XX/XXXX that is currently being serviced by Carrington Mortgage. I have reason to believe that Carrington has intentionally denied me access to government backed homeowner assistance programs and is attempting to push me into foreclosure by scheduling sale dates without conducting any type of review of my current financial information. I believe that Carrington is in violation of HUD guidelines and is trying to cash in on the government insurance when this is clearly an avoidable foreclosure. I am not now, nor have I ever asked for a handout or anything for free. I have repeatedly attempted to resolve a past delinquency on this loan that was caused by a temporary loss of income that has now been remedied. Despite multiple attempts and repeated applications I find myself consistently faced with a foreclosure sale date. I believe that Carrington has not followed the rules or guidelines for servicing my FHA loan and that their actions have been unethical, wrong and illegal. 

This loan has had servicing issues for a few years now. My payment increased approximately {$500.00} even though my interest rate is fixed, and it was likely due to a forced-placed homeowners insurance policy being applied to the account when my homeowners insurance policy was still active ( I recently discovered that Carrington has settled a class-action lawsuit for this very issue ). Prior to Carrington servicing my loan, it was serviced by XXXX XXXX XXXX ; during the transition from XXXX XXXX XXXX over to Carrington a few years ago, I was not made aware of the transfer and continued to make my monthly mortgage payment to XXXX XXXX XXXX for approximately 10 months. To this day I am still not sure if that money was correctly applied to my account with Carrington. 

Prior to my current job working with an asphalt company, I worked for an oil company and had worked my way up to management and was making a good salary, However, when the company started laying my employees off, I voiced my concern about that and also other issues only to find myself also out of work. This is when I started to fall behind on my mortgage. I struggled and eventually depleted my savings to catch up until I could no longer do so. I reached out to Carrington and submitted an application for mortgage assistance. From that point on I was chasing documents and restarting applications in a continuous cycle. Eventually I had to hire an attorney who got us a trial modification which I accepted. I made the three trial payments as mandated, but of course Carrington revoked the modification claiming I hadnt returned the required signed paperwork to them which neither I nor my attorney had ever received. Since then Ive gotten nowhere with Carrington since they claim that I rejected their offer of assistance ( WHAT?? ), and now in XX/XX/XXXX they have been trying to foreclose by continually setting sale dates.
I have contacted Capital One to let them know of this unauthorized fraud account, however they sent me to collection and now I found out on my credit report that there is a judgment apparently they sued me for this account, and a judgment has been entered, when they did n't even let me know they sued me, so I could appear in court. I can not believe they held me liable for an account that I did not open, I have never done business with this this credit card company, and they sent me to collection and latter sued me for this and not even let me know they did. I had to find out from my credit report. Now I have a civil records and judgment that is filed against me for account that I did not open, with a credit card company I never done business with.
XXXX XXXX XXXX began reporting a debt they had acquired on my credit report without following section 806 of the fdcpa. I have disputed it on the grounds outlined by the FDCPA that I was not notified within the first 5 or 30 days of reporting but to no avail. It is currently being disputed by XXXX XXXX.
Upon checking my credit report in XX/XX/XXXX, I noticed several accounts that I was not familiar with. One of the those accounts was a XXXX XXXX credit card with a balance of {$970.00}. I immediately mailed a letter requesting proof/explanation of the debt via USPS certified mail ; tracking # XXXX. The letter was delivered XX/XX/XXXX, to this very day, XXXX XXXX have not responded to my request and insist on imposing this debt and reporting it to the credit bureaus. The date of the letter is in the right hand corner, RTN : XXXX XX/XX/XXXX ( see attached ). The number is a response tracking number with the date incorporated. No response was ever received.
Nordstrom lied to me, the CFPB ( ref Complaint Number XXXX ) and the Kansas Attorney General in order to conceal a fraudulent conspiracy resulting in a {$10000.00} taking from XXXX XXXX, an innocent 3rd party, by knowingly issuing a fraudulent XXXX. 

Additionally, Nordstrom 's maintains " The notes confirm that in XXXX of 2007, XXXX XXXX requested to take over ownership of the account. '' No reasonable person would have " faxed '' a request to assume a {$33000.00} debt, especially from their ex-wife. No law abiding bank would accept such a fax.
My correct address is XXXX. XXXX XXXX, XXXX, WI XXXX. Please eliminate the incorrect address of XXXX. XXXX XXXX, XXXX, WI XXXX.
I sent a certified letter to Transunion and XXXX  including my FTC ID theft form to Transunion and XXXX  certified. The accounts that are listed they have verified as accurate, per law section 605b any fraudulent accounts or inquiries listed must be removed without a dispute and blocked within 4 days of receiving the notice. Transunion and XXXX has failed to abide by this law and continues to report inaccurate information on my credit report.
I receive a robo call every 2 days from XXXX. This has continued for many months. They portray themselves either as debt collectors ( AFNI ) and/or financial services. When I told them to stop they are rude and aggressive. They ask me for personal and financial information. Their robo calls never stop. Oddly, they are not asking for me, but claim they are looking for someone else. 

Googling the above phone number shows wide spread harassment by AFNI.
Capital one hired Lvnv funding llc XXXX XXXX of Nevada to collect XXXX the was discharged but XXXX XXXX kept getting other companies to try to collect on a debt that wall already been discharged. I called my attorney XXXX XXXX XXXX XXXX they wrote XXXX XXXX and know XXXX XXXX is using other collection company trying to collect on a discharge bankruptcy that happened in the was filed and complete in a chapter XXXX . I never had a account with Lvnv or XXXX XXXX XXXX XXXX XXXX XXXX never opened a account with this company but was hired by XXXX XXXX to collect a discharge debt that over 10 years old .they keep taken them down and replace back up under different names .I would like to resolve this before it gets into a legal mess . There is a file XXXX # XXXX I never opened new account with this company I called and XXXX XXXX once again getting or selling discharge debt to the company .also debt of closed accounts should of been of my account and not showing on my credit report they are too old . Thanks you for your time XXXX XXXX
I leased a car from peoples commerce i got sick an was one week behind i made arraignments to paid it up. XXXX XXXX took it upon herself to personally hit my debit card 3 times when my card is already has auto pay this company an this girl has been hitting my card 2 to 3 times a day when shes not authorized to do so I called 5 or more times XXXX an another lady in the office laughted bout it saying this is going to be funny.I never got to speak to a supervisor manager no came to phone or no one called back this lady keeps doing this I have asked her not to do this an she keeps hitting my card.
Took out this loan in the amount of {$600.00}. Was told that the loan was {$130.00} per week but was not told that the loan the following 2 weeks and going forward would be {$200.00}. I found that out when they debited my account and I called them. They then sent me a copy of my application. I also found out today from the Indiana DFI hat this company is unlicensed to lend in Indiana and that the percentage rate is well over what is allowed ( 720 % ).
On XX/XX/18 I applied for CITI checking and Savings account under a promotion offering a {$400.00} bonus ( interest ) if requirements were met : deposit {$15000.00} combined new money to the accounts and maintain that balance for 60 days. I captured the offer in a screenshot ( attached ). I was the sole applicant, so I was the first signer on both the checking and savings accounts. 

On XX/XX/18, my initial deposit was credited to the checking account of {$500.00} via mobile deposit and then an ACH of XXXX on XX/XX/XXXX. An initial deposit of {$1000.00} was made via ACH to the savings account, and a subsequent ACH of {$2500.00} posted on XX/XX/XXXX. While I moved some funds between the accounts, the sum total of {$15000.00} was deposited by XX/XX/XXXX and maintained until CITI charged me an fee of {$25.00}, mistakenly, on XX/XX/XXXX. This fee was subsequently credited back to the savings account on XX/XX/XXXX. I maintained the {$15000.00} required until XX/XX/18. 

I contacted CITI on XX/XX/XXXX when I saw the fee charged, as I knew with a combined balance over {$10000.00} service fees were waived. I was told they had not " linked '' the accounts that I applied for in the single application, thus the combined balance didn't apply. I was told they would correct the error and credit the fee. When I asked if it would impact the offer I had applied under, the agent confirmed I was enrolled and indicated as long as the conditions were met I would get the bonus. 

I received notification on XX/XX/XXXX that I had not met the requirements of the offer because the required balances were not maintained. I contacted CITI customer service on XX/XX/XXXX to try to resolve the problem. The customer service agent, " XXXX '', eventaully agreed that the total was maintained and submitted a promotional dispute on my behalf. The case number was XXXX. 

On XX/XX/XXXX I received another email again telling me I had not maintained the balances during the offer period, which apparently was CITI 's resolution of the dispute. 

Since CITI had {$15000.00} of my money on deposit from XX/XX/XXXX until in XX/XX/XXXX, clearly I had in fact maintained the minimum requirement. The only time the amount was reduced was when CITI mistakenly charged me a service fee, which they immediately agreed was in error. However, since they didn't refund the fee until XX/XX/XXXX, they are claiming I didn't maintain the appropriate balance and are not paying me the bonus {$400.00} to which I am entitled.
Portfolio RC This company did NOT respond to my direct dispute within 30 days. I sent them a certified letter ( XX/XX/XXXX ) disputing incorrect delinquent account dates, that this account was more than 7 years old. They ignored my letter. Then when I filed a dispute with TransUnion to delete it, they conducted their own investigation after I sent them supporting documents that this dispute to Portfolio RC went unanswered within the specified time frame according to the FACT act ( XX/XX/XXXX ). They have had ample time to delete this information from my credit report. They 're indifference to my situation is keeping me from purchasing a home! I have re sent certified mail as of XXXX/XXXX/XXXX to XXXX, XXXX, XXXX, & PORTFOLIO RC with supporting documents to back up my claim that they have violated the FACT ACT and that these furnishers have failed in their DUTY TO CORRECT AND UPDATE INFORMATION & ( FCRA 623 ( a ) ) DUTY TO PROVIDE ACCURATE INFORMATION. These documents were confirmed delivered to recipients by USPS.com tracking, and they have still not deleted this information off of my credit report. Evidence included in these packets : original dispute letter with certified tracking ticket, USPS.com tracking confirmation that they were hand delivered ( PORTFOLIO RC denied that they received anything during a follow up phone call ), and transcribed scripted phone calls with this company, including representatives that I spoke with and ID numbers of said representatives. I am an educated consumer and I am aware of my rights. They have clearly violated the FACT ACT introduced by congress XX/XX/XXXX. This act allows the consumer to directly dispute with furnishers ( third party collection agencies ). These furnishers continue to report false information to the CRAs and are keeping me from purchasing a home. I will file with small claims court if I have to. I have more than enough evidence to prove my claims. This is a gross injustice to me as a human being. I want this information deleted from my credit report immediately. Time is NOT on my side anymore. I am tired of waiting.
well I have a big issue with the information in my credit report. when any agency run my credit, always appear an address in Texas that I never been and a social security number that is not belong to me. also says that I work for I design compsany and I am the owner. 
I send letters already to the credit agencys and copys of my identity and XXXX do not have record of my credit and information, transunion send me a copy of my credit history and it shows a social security numnber pthat is not mine, and equifax it shows an address in Texas that I never been and a tottaly diference a social security number than XXXX. 
in fact, XXXX in my report shows the only last XXXX number of the social, but equifax report shows the complete SSN. I do not have a Social security number XXXX only have a Tax ID Number. the credit agency says that I dont exist in their system because I have a Tax ID Number, so how the can report private information from sombody else in my credit report.
XXXX  has violated my privacy on multiple occasion by contacting third parties without my permission. They are in violation of 15 USC 1692e for using my name in vain and for false representation of my information without my permission. Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. They are now trying to report a fraudulent address. 
Section 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). I HAVE NOT granted them access to report my information or discuss it with a third party yet they continue to do fraudulent and frivolous so called investigations. I am a victim of identity theft and CRAs are prohibited from reporting fraudulent information. 15 USC 1692F. 
They have been notified by certified mail : XXXX on XX/XX/XXXX and certified mail XXXX on XX/XX/XXXX. We are now prepared to take legal action if this is not resolved immediately.
I received a phone call yesterday. It said ...

" Hello, this is XXXX. This message is regarding our location and tracing for " XXXX XXXX XXXX XXXX  '' dial zero now to speak with a representative or call XXXX. It is important that we speak with you in regards to the whereabouts. If we can not verify this information through you, the law allows us to contact all references on file.

If you are unable to provide any information please contact us regardless at XXXX. Thank you ''. I called and was told that they were collecting a bill. They said they were from FMR or Forward Movement Recovery. They called my new husband 's cell phone twice yesterday and left the exact same message there as well. He was NEVER listed as any type of reference for me.