WillisBack/dataset-financial-user-claim huggingface dataset:
In early XX/XX/XXXX, my mortgage was sold to Roundpoint Mortgage. My mortgage payments includes escrow for flood and hazard insurance. In XX/XX/XXXX, Roundpoint mortgage paid my flood and hazard insurance with my escrow with no assistance from me. In XX/XX/XXXX, Roundpoint mortgage failed to pay my flood and hazard insurance and let them expire without contacting me. Roundpoint mortgage opened two new policies using their insurance company and used my escrow to pay for the new policies. These policies were opened without contacting me. Per Roundpoint mortgage " they did not receive the invoices my insurance company sent them and they didn't know who to pay '' ( even though they paid it last year ). The new policies only cover the structure of the house ; therefore, I have lost contents insurance, loss of use, personal liability and medical payment insurance. I was made of aware of the issue when my house flooded on XX/XX/XXXX and my insurance company told me my policy was cancelled due to non-payment. Roundpoint mortgage is also refusing to provide me copies of the two new policies because the policies are in Roundpoint Mortgage 's name, even though my escrow money was used to pay for them. In addition, it has been 11 days since I filed the flood claim and an agent has yet to be assigned to the case so no one has come to the house to inspect the damages. Roundpoint mortgage did not pay my insurance policies so they would be able to open the new policies and record the revenue for the policies. Roundpoint did not contact me in regards to these changes. Roundpoint insurance has not provided timely inspection of the property. Due to Roundpoint, my family ( including a XXXX year old ) are forced to live in a flooded house with no contents insurance and no future knowledge of when our house will be able to be livable.
On XXXX XXXX, XXXX I mailed in a check for payment of {$1400.00} for my mortgage. The check cleared as expected, and I thought all was good. It was not until the next month, that I noticed my payment balance was twice what it normally was. I thought nothing of it, and proceeded to pay my bill as usual, because any inquiries at such institutions fall on deaf ears. It was n't until XXXX, XXXX that I reached out to DiTech to ask why the payment amount was twice what it normally was, as a missed payment showed up on my credit report ( I have flawless credit, nearing XXXX XXXX. They proceeded to tell me that the payment for the month of XXXX was not received. Ok, how can this be? I ask the lady to investigate further ( she was awesome XXXX XXXX, and discovered the XXXX check was applied to only escrow ... .the entire {$1400.00}. This was done on behalf of DiTech, under NO circumstance did I direct them to do so. Is this a normal practice? No. Whoever received my XXXX payment in the mail applied the payment incorrectly, and not in accordance with procedure. 

I swiftly asked that the payment be corrected ( it was XXXX, and that the missed payment be taken off my credit report i.e., that DiTech draft and send a letter to the credit reporting agencies that this was a MISTAKE ON THEIR BEHALF, and that I ( the consumer ) did in fact not make a late payment. I was told this was completed in late XXXX, XXXX. However, upon recently getting another credit pull on XXXX XXXX, XXXX - I was reluctant to see that the late payment from DiTech was still on my Credit Report. Shame on them. I reached out to DiTech again on XXXX XXXX, XXXX to inquire about the error on their end, and have yet to hear from them XXXX as I mentioned earlier, these requests often fall all deaf ears XXXX. Please inquire about the credit report issues, and the complaint handling at DiTech. In accordance with the Title X of the Dodd-Frank XXXX XXXX Reform and Consumer Protection Act of XXXX XXXX the XXXX XXXX XXXX established the Consumer Financial Protection Bureau ( CFPB ) and authorizes it to supervise certain consumer financial services companies and large depository institutions and their affiliates for consumer protection purposes. I, as a consumer, do believe that the internal policies and procedures at DiTech are not adequate to appropriately address issues or concerns with the FCRA, XXXX XXXX, and TIL acts. Please investigate my issue, and use this complaint to pursue any harmful acts at DiTech.
THESE ARE NOT MY INQUIRYS. I HAVE ASKED SEVERAL TIMES TO REMOVE THESE FRAUDLENT INQIRYS. 
Equifax is reporting the wrong information and when asked that they do a investigation they send me a letter saying " INQUIRYS ARE ACTUAL FACT '' That is not considered a investigation. Please do the proper investigation and send me copys of my applications foor credit or service bearing my actual signature. If these accounts were open online or over the phone then please remove them ASAP. 

XXXX XXXX XXXX Inquiry from XX/XX/2017 National Credit Card Cos. 
-- -- -- XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/2017 Telephone Companies -- -- -- XXXX XXXX XXXX Inquiry from XX/XX/2017 National Credit Card Cos. 
-- -- -- XXXX XXXX/XXXX Inquiry from XX/XX/2017 2017
Mortgage Facing Foreclosure, Ocwen refused partial payment of XXXX payments when XXXX payments were owed on XXXX. offered to catch up remaining on XXXX XXXX. Husband, lost employment. She refused {$2800.00} Loan # XXXX. I called on XXXX At XXXX. XXXX XXXX XXXX XXXX XXXX.I also told them my husband was a veteran and that I was giving them a chance before I file a complaint, and to record the call and note the account.
My name XXXX XXXX XXXX, I have several name variations on my credit report that need to be deleted XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX. I was going over my credit report and I noticed that there are several errors. My current and only address XXXX XXXX XXXX, XXXX, OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Today I received a email notification that my account was closed .... My account was negative for almost two months because wells fargo reversed a disputed charge .... I contacted them and explained the payment was paid by insurance company and was told that they would undue the charges again and to date I have received no notification of such changes ... ... They have also charged me fees that should n't be accessed on my account, I 'm tired of this bank stealing money from us ... .. they never sent me a letter stating the were denying the claim or reason as to why if the claim was denied .... very unprofessional of them .... with them the last 7 months ov er 10k has  been deposited into this account and ever over drafted or negative balance I have gotten in the past has been paid ... .. I had the opportunity account and was told that after year it would roll of to a regular checking and savings account ... ...
Walmart Store Card Payment showing a 'Processed ' 1/4, but last payment not reflected in data and applied to Balance Filing Complaint with Walmart but real problem is Synchrony Bank which have encountered with other retailers they act a card service provider. 

This is very deceiving, misleading and can result in duplicate payments being scheduled and delays being reflected in Balance on account. Money has already been pulled from my financial institution,
I have a collection company attempting to collect a debt from me that was the result of identity theft. I never had XXXX as a phone company and yet this company has been relentless in trying to collect a debt thats not mine. Somebody falsified my information and the original company sold the debt to a collection company instead of removing it since it was the result of fraud.
Extortion excess escrow ; with threatened Foreclosure for amounts not due ; attachments define the case with proofs ; opposing counsel states the Stipulated Injunctive order CASE XXXX Document XXXX Filed XX/XX/2015 as brought by FTC and CFPB are not enforceable between customers and Ditech Financial LLC , therefore they did no wrong that can be enforced, or the gist similar thereof ; Phone records and specific calls can be identified with key information, but implications are that the recording of such collections calls by Ditech as required to be kept at 90 % per the agreement, are not discoverable to an individual consumer Ditech has abused
On XXXX XXXX, XXXX, I received a personal loan by XXXX with the amount of XXXX XXXX dollars. Prior to receiving the funds, we agreed on the payment dates taking effect precisely on XXXX XXXX of XXXX. On XXXX XXXX, six days after receiving the loan, XXXX took money from my account, which was never stated on the agreement, with the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was a violation of our agreement and created a lot of issues on my end because of the transaction was unauthorized. I saw this on my Bank account and immediately contacted the number that was provided for customer support. However, calling them did not work because upon calling them ; the call continued to disconnect after the third ring. I then emailed them on the same date of XXXX XXXX, that if they do not call me I will pursue legal action against them. An email was sent stating that my message received but I have yet to hear back from them. Do not receive loans from XXXX because not only is their interest shameful but they take your money on dates you wouldnt even expect, especially in the worst case scenarios. On top of this, they are still trying to retrieve more money within the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX as if they didnt just take that on a day I needed it the most. I want action on this immediately! 

The link to the agreement is posted below. 


XXXX XXXX  XXXX? XXXX & XXXX
This company continues to call my cell, my spouse 's cell, children 's phones, and parent 's. I have never had this debt and they call from different phone numbers. They claim to have my bank info, ss #, and e-mail address.
2016 XXXX.
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I request a credit decrease from capital one which was denail. I close my account because it nature, secure credit card. High interest and no benefit.
I have sent you documents pertaining to my illegal foreclosure. Some of the documents have been redacted, but my name and other personal information such as email address and home, mailing address has been included. Ditech has already received this information through faxes and local court filings. As yet, Green Tree, LLC. a.k.a. Ditech Financial, LLC has refused to validated the mortgage debt, or conclude their so-called, fraud investigation concerning my mortgage payment account. Ditech has continued to attempt to profit from their own fraud, and fraud perpetrated by XXXX XXXX XXXX and XXXX XXXX XXXX by attempting to move the local court to sell my home regardless of the court 's order vacating the judgment of foreclosure.
I called Macys, last year on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, besides other times trying to dispute a Macy 's account which was opened in XXXX just before the hurricane in XXXX. Speaking with the customer service who kept this account valid fromXX/XX/XXXX through XX/XX/XXXX.Constant calling and speaking to several different people. I spoke to very upset when the account was transferred to Bloomingdales at one point. I am a Victim of ID Theft in XXXX, XXXX, XXXX which is when I filled a police report with account ending in XXXX. I sent so many inquiries to ask for them to update investigate and delete. Macy 's ignored my response and kept this account on my credit file. I asked them if I could apply for another credit card, because of my credit file with credit bureau 's was destroyed.
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Tranunion ran an unauthorized credit inquiry on me on XX/XX/XXXX and XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX/XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX
Discover Card is incompliant with CFPB regulation that : " The card issuer must complete its investigation within two complete billing cycles of receiving the dispute, which generally means two months, and can not take more than 90 days ''.

Discover Card " ADMITTED '' that the card issuer was notified of fraud activity on XX/XX/XXXX. They completed the investigation and mailed out the final decision on XX/XX/XXXX. They took more than 90 days and/or 2 billing cycles.

According to CFPB, a credit card issuer must adjust charges " even if it has concluded against the card-holder ''.
I purchased some jewelry in XXXX from XXXX. The merchant facilitated the financing through Well Fargo. The creditor never provided me with a Credit Score Disclosure.
On XX/XX/2018 I received a alert to my experian report that XXXX XXXX flagged my report in a collection pursuit. I immediately sent out a debt verification letter being I had no received anything prior to this. I had also sent a verification request to experian. I never received a call nor letter from the debt reporting agency but experian wrote stating it was verified without showing HOW it was verified. Upon reading the law, I learned FCRA 809 ( a ) requires the debt collector to CONTACT the consumer to rectify the situation prior to hitting credit reports. They are required by law to provide the consumer 30 days to dispute or request verification. This company NEVER did this. The first I knew about this debt was by my credit report alert. Since this date, they had alerted my report for new collection XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 5 times they reported this debt to experian alerting me of a new collection. This is the same collection being reported FIVE times in a month! Furthermore I have XXXX XXXX ( who they claim I owe ) now in MY NAME and never had any issues in obtaining it. I only owe current bill of {$86.00}. I have been in my same home for 6 years now. This company refuses to answer my letter verifying the debt, they continue to report over and over to the credit report which is hurting my scores and experian refuses to answer to how this was verified. Being such, by law, this is to be removed from my report.
XXXX and this company " XXXX  XXXX " both are reporting a fraudulent account on my credit report that doesn't belong to me as a result of identity theft. I tried disputing it multiple times on XX/XX/XXXX and XX/XX/XXXX with XXXX, and it was verified. Also, I proceeded contacting the company directly on XX/XX/XXXX with the information XXXX and XXXX supplied, and the United States Postal Services returned the letter stating, RETURN TO SENDER/MOVED LEFT NO  ADDRESS/UNABLE TO FORWARD. Therefore, it's no way XXXX  had properly did their job.
I have tried contacting the credit reporting agency at all their available numbers, however, I have repeatedly been unable to get in contact with a real person. Every programmed phone tree I am placed in eventually tells me to get my free report from the annual credit report website, then hangs up on me. When I tried to re-access my report, the agency says I 've already accessed my report, even though I was denied on my first try. I have no idea who to contact on this matter.
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. Again these accounts are not mine and if they are not removed I will just have to go to the next step. This isnt fair that I have to go through so many loops to get these remaining items removed. XXXX  XXXX, Chapter XXXX Bankruptcy Discharged, XXXX.
afni debt collection company contacted me in XX/XX/XXXX about an XXXX bill that is not/never was mine, dated XX/XX/XXXX 

Appears to be a mail order for a telephone that was delivered to a person with the same first & last name as mine ( very common one ) @ a XXXX address. 

I have lived in different state since XX/XX/XXXX, during which time I have not had an XXXX acct. or purchased anything from XXXX. I so notified Afni, Inc. when I first heard from them, but just received another dunning notice. 

This temporarily affected my excellent credit rating w/ XXXX XXXX before I was even notified of this bogus charge, which is utterly unacceptable.
Specialized Loan Servicing accepted funds from the Hardiest Hit Fund and applied {$77000.00} to the loan and it was current. I have been making payments on time with no issues since XX/XX/XXXX-XX/XX/XXXX i tried to make a payment for XX/XX/XXXX and the customer service representative XXXX XXXX told me that my mortgage account was in default and i had not make a payment since XX/XX/XXXX. Then she did some research and told me to call back in 5 days and that she could not accept a payment, and i informed her that i need to make a payment in order to keep my loan current, and she hung up the phone in my face. 

I called back on XX/XX/XXXX spoke with customer representative and he informed my that the hardiest hit funds had not been applied to my account so my loan had to be recast to include funds that had not been applied to my account this was a surprise because i have made all payments on time and i have proof with my bank statements and i informed him that i have not missed a payment and he told me he can see that in my payment history however i will not be charged a late fee when i pay within 48 hours. 

Called back on XX/XX/XXXX spoke with a supervisor XXXX XXXX and he advised me that he was creating a ticket so that they can apply {$77.00} and my last 8 or so payments and the loan will be current within 48 hours. I am so confused about how i have spoken to more than XXXX customer services representatives and none of them have no idea what is happening with my Home Loan that was current for 9 months then all of sudden it is delinquent.
I applied for a title loan in XX/XX/2014. It was not clearly explained to me that you are paying off mainly interest, very little would go toward the loan princiable. For example I pay XXXX only {$10.00} would be applied toward the principal, the rest would go to interest. No matter how you pay unless you pay the loan off in huge amounts there is no way you can catch up the interest. Now I am struggling to keep up and have fallen late on the loan. When I make a payment it all goes to interest and none is applied toward the princiable. I talked with the regional director for the XXXX California Check into cash to try and work this situation out and have been threaten with losing my vehicle. I have paid approximately XXXX dollars in interest alone. That is more then I borrowed. I have done all I can to pay this loan back and have come to realize that unless I pay it all at once I will not be able to end this cycle. This company targets people who have credit problems and misleads them to believe they are helping. It is only after you have fallen into there trap that you realize it.
I  XXXX    XXXX   walked inside California Check Cashing Place {$250.00} onto my card I woke up the next morning to pay for the hotel room because our ceiling was leaking and it c alled black mold so decided to go place money on to the card gave them the money left the building went back to the room for the night the next morning I woke up to pay the money for the room and there w as no funds there so me my wife and kids were left outside in the rain on the sidewalk with our clothes so I returned to the check cashing place ask them what was going on the guy asked my name he said that the lady yesterday done something that she should not have done she went inside the system after hours cancel the card without me being there my number my name and number is on file concerning this situation she left a temporary card I took the temporary card took my family out to get something to eat put something warm on there stomach went to the register and there was no funds on the card what back to the place of business they gave me the number to the distr ict manager spoke with him 2 or 3 times since then have not received my money back or any other notices it 's been nearly four month s
I have tried contacting everyone from my loan servicer, Navient, to the XXXX XXXX XXXX Ombudsman ... I have written documentation along with return receipts from my numerous attempts to apply for financial hardship. I only took out {$7500.00} in student loans with XXXX XXXX. I paid that much back in full. There is no way i couldv'e taken out over $ {$15000.00} in student loans in less than a calendar year ( plus I still had to buy textbooks out of pocket ). I attended the XXXX XXXX XXXX XXXX XXXX -- enough said. Even art institute will not reply. My credit is ruined because not only in navient loan on there, but every time they turn it over to someone else, its a new negative mark on my credit. I have begged for debt verification. No one will help me.