WillisBack/dataset-financial-user-claim huggingface dataset:
I received a notice from BSI Financials on XXXX/XXXX/2016 ( dated XXXX/XXXX/2016 ) that my loan had been transferred to them and as of XXXX/XXXX/2016 my old servicer will no longer accept payments from me. ( Note they generated letter 3 days AFTER the fact that my old servicer will not accept payments ). I also got a letter saying that I am one month behind in my payments ( which is total lie given that I have automated payments going to XXXX - old servicer ). I have called BSI 5 times and no one picks up the phone, and it finally transfers to Voice Mail. I have left 2 VMs and still there is no response. I looked at the company reviews ( XXXX ) and it seems this company has common practice of mistreating customers and misplacing customer information. I am concerned that although I have made all payments, my credit history would be impacted. And that I am now stuck with a sickest mortgage servicer who seems to be XXXX with their customers. I ask CFPB to take action to make this company respond and stop XXXX their customers. I want CFPB to review the consumer affairs link I provided too and take an action to review BSI Financials business practices.
I submitted an application with TD bank back in  XXXX   XXXX  and never openned the account never funded nor even activated the debit card. I then saw a promotional rate to receive {$150.00} for being a new client after depositting {$500.00} within the first 60 days of openning the account. Minding I had the application from  XXXX  i called customer service and asked if I qualified and gave them my information as well as explained my situation stated above. I was told by a  TD bank associate their was no issue and I qualified for the promotion. I have called 3 times  about the promotion and no one has brought up an issue until today Wednesday    XXXX   XXXX   XXXX   . My call eneded with a supervisor by the name of  XXXX  today  XXXX / XXXX / XXXX  at approximately   XXXX   XXXX   telling me I did not qualify for the promotion due to having a profile in their system from  XXXX  and was advised by her to walk into a branch to fix the issue. I walked into a branch today Approximately at    XXXX   XXXX    on the location on  XXXX   XXXX  and  XXXX   XXXX  in  XXXX . I was then advised by an employee by the name of  XXXX   XXXX  ( might be misspelling name ) that this was incorrect information due to my account being openned online which was known by every associate " assisting me '' and that " the customer service center is know for giving customers incorrect information '' this is sad and wrong. I want either all my fees returned for having the account open or I want my  XXXX  misleading bank and associates.. bunch if crooks
I was selling a truck on XXXX. A buyer emailed me to say he wanted the truck. I was selling the truck for {$1800.00}. He said he was going to send me a cashier 's check for {$3300.00} because he was in another state and he wanted me to send money to his car mover who would come with a trailer and pick up the truck. I took the cashiers check to my bank, Wells Fargo. I told the teller I was suspicious of the check and that I would like a manager to look at it and tell me whether it was legitimate. XXXX XXXX XXXX, the service manager of the branch, came out and looked at the check and said, " It looks good to me, I do n't see any telltale signs of it being fraudulent. '' She also said, " once the money posts to your account, the money is yours and you can spend it. '' She told me I could also send it off to someone to check it for validity, but I told her that if she said it was good I trusted her. She said it was. I deposited the check that day. XXXX XXXX then told me that, since this was a Friday, if the money posted to my account on Monday then go ahead and spend it. I waited the weekend and the money posted to my account. I sent {$1400.00} of the money to the address the buyer provided in New York.I first used my portion to buy food. I then began paying off debts. I bought some clothes, and put some gas in my car. The next day the buyer emailed me again saying that his uncle was sick and that he needed the rest of the money back and that I could keep the truck. At that point it seemed to me that it had to be a scam and I immediately called the bank. The bank told me that they had decided it was fraudulent and they had taken all of the money in my account to begin to pay off the fraudulent check. There was approximately {$700.00} of the truck money remaining in the account. They took that. On XXXX XXXX, 2016, my Social Security payment was direct deposited into the account and they took it. I went to Legal Aid and they called the bank. XXXX XXXX admitted to my attorney that she had told me all that I stated above. She did this both on the phone and in emails. She lied and said that she asked me whether I was supposed to send money somewhere. She never asked me that. I would never have used that check without XXXX XXXX 's approval. But for her telling me to go ahead this mess would never have happened. My attorney called the bank because they are still pursuing me for the rest of the money. I told the bank that I thought the right thing for them to do was to write off the loss and let me close the account. They have refused to do so. Wells Fargo preyed on me and now they are continuing to do so. This is not right.
I kept getting written notice from Wakefield & Associates, so I finally asked for validating for this debt they claim I owe. They sent me an itemized summary but no signed contract or hippa release. Which doesn't verify this is mines. They also told me in a letter that they will no longer investigate or investigate again after I sent a second letter asking how they got this information. Also XXXX and XXXX and XXXX keep saying it is verified although it proves not to be, I have also sent them the same attachments as included here.
XX/XX/2018 received bill from Wells Fargo stating XXXX home equity line payment would be charged an extra {$190.00} for accrued interest on outstanding balance of entire loan, {$54000.00} XX/XX/2018 recieved bill from Wells Fargo stating we owe an extra {$680.00} on accrued interest on the principal of {$220000.00} XX/XX/2018 talked to Wells Fargo rep and they said that is how it is down each month you are charged accrue interest on your outstanding balance. How can this be when you have a fixed mortagage with interest already in your payment? 

Thee is no escrow on the account as it was originally through XXXX XXXX. We pay our insurance and taxes ourselves. We were behind in our payments till XX/XX/2018 and paid off the delinquent amounts plus XXXX payments so the XXXX one should not reflect any back interest. The rep stated this would be the way our bills would like form now on having the above noted accused interest added on to our monthly payments. So we will b paying interest on the interest on our account. Until this date in XXXX no bill EVER showed accused interest.
I recently discovered tha t Credit Protection association has decided to report on my credit report and attempting to collect the same debt twice. They  are misrepresenting the balance to double the actual amount. I have  one  debt with them for {$280.00} and they are reporting I owe them {$570.00}, by adding a second account that does not exist. They recently did this after we disagreed on the account details. It 's absolutely insane that they are retaliating by adding an extra non-existent debt to my credit record as a way to retaliate against me. This is unacceptable. I am attaching a screenshot of the double reporting. How convenient that they decided to report this recently.
I have an issue with my experian credit report, it's showing that my closed account with XXXX is paid but foreclosure procedures started in XX/XX/XXXX. This is incorrect information as the account was paid in full in XX/XX/XXXX. I have disputed this information for the first time in XX/XX/XXXX. I have a letter from XXXX supporting this information and I have presented this to experian. The dispute results states that they contacted XXXX and they said the report is correct despite the legal document that I have, signed by XXXX and issued on XX/XX/XXXX stating the contrary. 

I have contacted experian multiple times to get help on this issue but they won't change the report affecting and damaging my ability to get any type of credit due to incorrect information in their report. In my last call to experian ( XX/XX/XXXX ) the operator told me that i have to contact XXXX as they can not change my reporting even with the legal documentation i have provided showing the opposite.
After receiving a payoff of {$170000.00}, which included an amount of XXXX in escrow disbursements the matter to settle this is URGENT. We are attempting to payoff a mortgage with Mr. Cooper and believed what we owe was at least {$130000.00}. An investigation has gotten underway but in the interim, several escrow representatives has stated this amount comes from payments to the tax departments. I have called the individual tax unities. Specifically, XXXX XXXX XXXX, who received a payment of {$17000.00}. 
County tax XXXX and Mud tax of {$6100.00}. These amount calculate to over {$28000.00} in payments. Please see the attached XXXX tax exemption. XXXX XXXX  tax department has declared we received the money and their was not a request to send it back. We are asking the the escrow and tax department  request the amount back and refunds back to the account ASAP. This loan will be a part of federal employee 's loan profile and paid through a system. However, it has to be transfer first!
Ocwen took over our loan from Litton in   XXXX  . The interest rate on the ARM went up & we co uld n't afford the monthly payment. In   XXXX   XXXX    Ocwen ga ve us a modification at 2 % fixed and {$2700.00} payment which we could afford. In   XXXX   XXXX    Ocwen raised i t to {$3400.00} per month citing negative escrow balance. I called & they said my property taxes went up. Me and my wife work long hours, & it 's tough to find time to make phone calls or go to offices. I managed some time & went to    XXXX   XXXX   Tax  Collector 's office. I was told the property taxes have n't gone up & have stayed at about {$8000.00} per year. After several back & forth phone calls to  Ocwen, th ey could n't explain the reason for payment increase. They asked me to write to their research office in Florida. In    XXXX   XXXX    I sent them a letter asking for details on the negative escrow balance. They never responded.     In    XXXX   XXXX     Ocwen offe red us a modification & we made  two  trial payments of {$2400.00} eah in   XXXX   &  XXXX . They sent us the agreement to be signed and sent back with the last payment. Ocwen was raising our interest rate & adding a balloon payment of {$120000.00} which was never disclosed to us at the beginning. We did n't sign the agreement.     In   XXXX   XXXX    Ocwen ra ised our payment to {$4100.00} of which {$1900.00} is principal & interest & {$2200.00} is escrow. I called them & tried to get the details of how our escrow went negative when the taxes are included in the payment & are paid regularly, but they have no clear answer. We ca n't afford it and they have sent us a default notice.   This is me and my wife  's one &  only primary residence where we live with our  XXXX  kids  XXXX  &  XXXX , & my parents  XXXX  &  XXXX , & we will be in great distress if we lose our home. We are working with Save Your  Home Californ ia to help keep our home. I want to know the reason &  Ocwen t o provide proof as to how our payment went from {$2700.00} per month to {$4100.00} per month in less than 3 years.     On Friday,   XXXX   XXXX  , I read news about the lawsuit CFPB filed against  Ocwen. T hat made me realize that we are not alone. Thousands other families have similar problems. Then I visited this website to file this complaint.
I tried to transfer funds from m y Merrill accoun t to Bank of America checking account. On  XXXX   XXXX , I us ed Merrill Edge o nline to sell shares and transferred cash  to BofA using their 3-4 day free wire transfer system. One week passed, there was n't any money transferred.    I calle d to Merrill to find out and they explained to me that BofA required more information for the transfer to complete. Previously, I had no problem doing the same transaction. But now they need more information. They asked where I was born, my citizenship, and how do I intend to use the money. As ridiculous as it is, to transfer my money from one bank ac count to the other, I answered all the question. Money did n't get transferred until  XXXX   XXXX . Bank of America also charged me {$16.00} wire transfer fee. I call ed Merrill about the fee, they answered it 's BofA who charged it so Merrill is not responsible. I called BofA about the fee and after long wait, they answered that it was an international transfer so they had to charge it. They found out that Merrill send mo ney to  Merrill   XXXX  and re-routed  to US. It   was huge inconvenience that I was not able use that money on time and headache to call around to get my money transferred.
Equifax will not show my XXXX Credit card accounts. Even after providing copies of statements.
Equifax has ignored my request to provide me with documents that their company has on file that were used to verify accounts that I disputed. Being as though they have gone past the 30 days allowed and that they did not provide me with my contracts with my signature, they are required to promptly delete, under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 7 ).
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply .My name is XXXX XXXX XXXX , my current and only address XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX  , XXXX  XXXX , XXXX XXXX
received collection letter from XXXX XXXX XXXX on XXXX/XXXX/XXXX stating balance due of {$1100.00} from a check dated XXXX/XXXX/XXXX to Specialized Loan Servicing. 
This check was processed and recorded by SLS. 
Sent returned letter to XXXX XXXX demanding they cease collections efforts and that the account was paid on time. 
no response from XXXX XXXX
Several months ago I called in to customer service and inquired as to how to aquire a payoff letter for the purposes of loan consolidation. 

I was directed to the website and directed by XXXX customer service how to access this information. The payoff letter that was generated is attached to this correspondence. 

After submitting this attachment to XXXX, my consolidation bank, a check was then sent with pay off instructions with my consent to close the account Iafter completion of the payoff transaction. 

One week ago, I was checking my credit report and realized that XXXX put a 60 day past due notice on my previously closed account. Completely confused, I called XXXX customer service to get answers. 

Upon gathering more information the customer service agent, I realized that XXXX previous agent MISADVISED me and did not give me the correct payout information. 

I did not receive any corresposnce from XXXX as to say that my loan was in default and that the process of loan consolidation was incomplete. 

I immediately paid off the past due amount. 

I am asking XXXX to please remove the any delinquencies associated with this account from the three major credit bureaus and bring this account back in good standing. 

I now have to redo my consolidation loan because of this error so Im also asking XXXX to please email me the corrected payout letter for this purpose.
XXXX 's installment Account Number XXXX Amount Due {$1800.00} Due Date XX/XX/2015 I 've paid  and settled this account over a month ago. 
I was told that i would receive a letter stating that the account is paid and settled with a XXXX balance. 
I have not received the letter and my credit is still not updated. 
I am in the process of buying a home and this is the last condition in order for me to close on my loan. I have XXXX children and we are all living in a hotel room until XXXX 's update my credit report or send the letter so I can provide that to my lender for a XXXX XXXX. 
I 've also disputed this account, after the account was settled XXXX 's still reported that I owed $ 1,800+ on this account a few days ago. The dispute was closed and nothing was updated. I have called XXXX 's more than 4 times a week for the last 6 weeks with no resolution.
This is a direct dispute with Transunion. I had a 30 day late listed on a XXXX XXXX account. The account number XXXX, date open XXXX 2011. they have me listed as a 30 day late in XXXX 2011. This is untrue and I have disputed this multiple times. I was infact not late and I need the account updated correctly. The account was paid as agreed, I paid XXXX payment, The motorcycle was stolen. the next payment date was XXXX XXXX. The check from the insurance company was sent to XXXX XXXX XXXX on XXXX XXXX. Therefore according to the Credit Reporting resource guide I can not be marked a 30 day late. The industry Standards set forth by the CRA states " the " clock '' for a 30-day delinquent account starts 30 days after the due date as opposed to the billing due date. How long it took XXXX XXXX to process the check when it arrived on the XXXX is n't my, the consumers responsibility. They did in fact received the check within the 30 day window set forth by these standards and that payment should have been applied to my account on that date. All Transunion has done is sent it to XXXX XXXX and they verify it. They have not done their due diligence in correcting it. I am asking this be corrected and report as a positive reporting account. I was not 30 days late and it was paid by my Insurance company within the allotted time frame. I have attached a letter from my insurance company for proof of when the payment was mail and it was not past the 30 day window of XXXX XXXX. I 'm not going to keep going back and forth with Transunion, XXXX, and XXXX. I have done that multiple times. I want it corrected ASAP! I also want the comments deleted that says paid account/was 30 days past due date.
I have a debt charge off reported on my credit report on behalf of  XXXX   XXXX  at  XXXX   XXXX  apartment complex. According to the complaint filed on the report I am delinquent payments totaling more than {$5000.00}. I moved from the above-mentioned apartment complex in  XXXX     2014 a nd was at the end of my lease term at that time, so I am unsure what the debt would be for. I have received no communication, written or otherwise, from either the apartment complex or the agency reporting the debt in that that three years so I given no opportunity to dispute the debt prior to it being reported as a charge off.
This company is making repeated reports within a month reporting unlawful reports because reporting the same account repeatedly with in the same month is fraudulent reporting. I don't even know who or what they represent.
Equifax mishandled my personally identifying information in a way that let malicious actors access it, along with millions of other Americans. They did not notify anyone for at least a month, and I discovered it through the news instead of immediately through them.
I deposited a {$17000.00} cashiers check at Chase bank in XXXX Illinois on Friday XX/XX/XXXX. On Monday XX/XX/XXXX my bank account showed that the check cleared. On Thursday XX/XX/XXXX I received an email that funds have been taken out of my account as of XX/XX/XXXX and that I need to " refer to maker '' [ of the check ] for the reason. I contacted the maker of the check, XXXX XXXX, who provided paperwork dated XX/XX/XXXX showing that the check has been paid as of XX/XX/XXXX ( so funds should be in my account ). I have correspondence from XXXX XXXX providing the details of this check and that nothing on the customer 's side or customer 's bank side appears to be the cause of this problem. My bank, Chase bank, has not only been unhelpful in providing answers about how a good check I handed them is now a bad check ( per the branch manager ), but they 're doing nothing to help fix [ what appears to be ] their error! The bank manager at the Chase bank in XXXX IL has been rude and condescending, and I feel like I 'm being discriminated against as some working-class schlep who 's trying to cash a " bad check ''. If one bank is showing this check has been paid, and my bank said it has not been paid ... where 's MY money sitting right now? What is the path my check took from the moment I handed it to Chase Bank, and where 's the money sitting now? I 'm getting absolutely NO HELP from my bank. Ive spent 3 days so far working to figure out a major bank error instead of running a business to make money. Im now afraid to deposit checks at Chase bank.
My identity was compromised years ago, so I have learned to check my credit reports frequently. The first incident of fraud with Chase Bank was on XX/XX/2017 when someone attempted to open a credit card and/or account using my information. I immediately contacted Chase on XX/XX/XXXX and answered security questions to prove it was really me. They told me that it would be deleted. I filed a police report and waited for it to be removed. I called again after 90 days because it wasn't removed and received an apology and assurance it would be done. A few months later, another fraud attempt was made at Chase and I called them again and followed the same procedure. A few weeks ago, I checked my credit report and the derogetory information is still there. I have made several calls to the fraud department of Chase and also their credit bureau specialists to fix this since it first began in XXXX. I am told time and time again it will be corrected and yet it never is. They have sent me letters confirming the frauds and their corrective actions. Despite this, no corrections have been made. They also declined to give me specifics of the the frauds so that the police could investigate and arrest. I was told it was done in person at a branch but the wouldn't tell me anything more.
I have addresses on my credit report that are not mines and information that is not accurate. My name is XXXX XXXX XXXX, My current and only address should be XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
please remove and delete any other address they are not mine. 
Address Date Reported are incorrect please delete XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX