WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/XXXX -- -Emailed Roundpoint loan modification packages previously sent to XXXX as Roundpoint Mortgage representative said I could send them in instead of waiting on XXXX XXXX to send them as part of the loan servicing transfer. 
XXXX/XXXX/XXXX -- -I called Roundpoint and spoke with XXXX XXXX in the Loss Mitigation Dept. , he requested : 1. ) 2 months of bank statements both borrowers. 2. ) Non-borrower contribution letter +last 30 days of pay stubs for {$300.00} additional income. 3. ) New date on RMA 4. ) Last 30 days of pay stubs for both borrowers 5. ) XXXX Tax returns for both borrowers 6. ) XXXX form for both borrowers with update date. 
XXXX/XXXX/XXXX -- -I emailed Roundpoint Mortgage borrower 's : RMA w/ current date, Non-borrower contribution letter and XXXX form 's for both borrowers. 
XXXX/XXXX/XXXX -- -I emailed Roundpoint Mortgage : XXXX 's Tax Return ; XXXX XXXX XXXX paystubs, XXXX XXXX XXXX paystubs & XXXX XXXX paystubs. 
XXXX/XXXX/XXXX -- -I emailed single point of contact ( SPOC ) at Roundpoint Mortgage both borrower 's XXXX tax returns. 
XXXX/XXXX/XXXX -- Spoke with XXXX @ RoundPoint, he stated there are no documents missing, however, the borrower needed to complete a phone interview and schedule a property inspection. 
XXXX/XXXX/XXXX -- -Client complete phone interview and is waiting for Roundpoint Mortgage to get back to her on when they will schedule property inspection. 
XXXX/XXXX/XXXX -- -Spoke with Roundpoint representative to advise that realtor for the property inspection has canceled XXXX and lied about having scheduled the inspection for this Tuesday. 
XXXX/XXXX/XXXX -- -Spoke with XXXX XXXX @ Roundpoint Mortgage, he said the inspection was completed and received on XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX -- -I called SPOC, he stated there is no update at this time, I advised there had not been a substantial status update in quite some time. He advised that he would have filed reviewed. 
XXXX/XXXX/XXXX -- Spoke with XXXX @ Roundpoint Mortgage, he advised the file is still with the under writer and that he would send a message to the SPOC XXXX XXXX, and ask for him to get back with me. 
XXXX/XXXX/XXXX -- -I called and spoke with SPOC, he said the file was initially sort of denied because Roundpoint Mortgage had n't received the property inspection valuation but then it came in so the file was " placed back in the cue. '' However, since there are other files that need attention this file has been pushed back a bit. The SPOC said he would escalate the file. He asked that i call back Thursday. 
XXXX/XXXX/XXXX -- -Spoke with Roundpoint representative XXXX who advised that the file is still being reviewed and that there is a new SPOC , XXXX XXXX - XXXX. 
XXXX/XXXX/XXXX -- -I left SPOC , XXXX XXXX , a voicemail to follow up. 
XXXX/XXXX/XXXX -- -I spoke with XXXX XXXX XXXX, she advised that no update was available. She said she would need to escalate the matter and that she brought it to the attention of her manager. She advised the new SPOC should contact me early next week to advise status as she needed to do some research to figure out what is the delay.
Upon checking my credit score I noticed a school loan appeared on my report from a company named Loan to Learn ; However this is not my account I did not co- sign for this and garnishments are being taken out of my paycheck. There 's been a 20 % garnishment that has been taken out of my paycheck each month for the past year, not even a 15 % garnishment which is the legal amount for Florida. I have tried to contact this company several times and now the company is no longer in service. Several complaints have been brought up against this company for fraud and I 'm afraid I am a victim in this matter. I have also contacted the HR department for my company and they do n't even have any information about what the garnishment is for and where the money is going to. My next step will be to contact the IRS, Credit Bureaus and a lawyer.
Golden Key Credit Inc. has placed illegal derogatory information on my credit report. I have contacted them by mail about this matter on several occasions, but they have ignored my request to validate the said debt or contract that I owe to them. I have absolutely no knowledge of this debt. According to my rights under HIPPA they are in serious violation of the law. There has never been any type of relationship between this business and me. This very lewd act is punishable by law. Date XX/XX/17, amount {$870.00}
Credit Corp solutions-Contacted a number not listed on application of debt. I believe they are phishing and contacting people who may be associated with my name online as possible friends or family. Told the company to contact me directly via the contact provided to original debtor. Told them to stop phishing and searching the internet for contact related to me.
My bank, Union bank has changed several policy 's without notice or consent regarding Electronic funds deposits and normal business deposits ie : Saturday availability no longer exists, placing a 2 business day hold on all EFT deposits therefore limiting banking days to 4 per week. Union bank has also without consent and specifically against my written instructions to opt out of overdraft products re-enrolled me without notice or signature expressing my wishes to participate in this product. I have been charged hundreds of dollars for services I do not want, and the bank is violating it 's fiduciary duty by hiding deposit monies or making funds not available to me as an account holder for excess periods of time with the intent of generating " fees ''.
On or about XX/XX/2018 I requested a freeze on all of my reports with Lexis Nexis by telephone. I was assured this freeze was to be in place immediately and I would receive further documentation and a PIN for un-freezing when needed. To date my reports thru Lexis Nexis are NOT frozen and I have not received said documentation or PIN after repeated requests to Lexis Nexis.
My ex-wife filed our taxes as joint. She has Indiana taxes and I do not. When she filed them, Indiana wrongly decided she was n't eligible for exemptions despite her military status that granted her the exemptions. 
The Indiana IRS reported poorly on my credit and I disputed it, which ended with them sending me a check for $ XXXX. 
It has been over two years and XXXX disputes later, and this remains on my credit and is bringing down my score despite it being wrong.
I submitted a dispute of 4 public records currently being reported on my equifax credit file. Equifax came back and said the public records were verified and that they are reporting correctly, they also reported that this information was received from XXXX. I contacted XXXX XXXX and spoke with the customer service rep who stated that equifax had not requested a copy of my consumer file. The customer service rep at XXXX XXXX stated that my consume file with XXXX was and has been frozen since XXXX  2017- and that it was not possible for equifax to obtain the information from them. This file with XXXX is frozen due to inaccurate information being reported.
I recently submitted a request for investigation of an Acct Number : XXXX XXXX # XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. My correct name is XXXX XXXX NOT XXXX XXXX XXXX THOSE ACCOUNT DOES NOT BELONG TO ME I NEED THEM REMOVED OF MY CREDIT PROFILE If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$10000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you this account has been deleted then put back on my credit report your company reported that you have reviewed my complaint along with the information you previously provided regarding this issue. In order to verify the accuracy and completeness of XXXX # XXXX we initiated an investigation into the account. In response to the investigation, XXXX # XXXX was updated to reflect the remark of " Credit Card Lost or Stolen '', and the balance has been updated to reflect as {$0.00}. Then deleted the account then reposted the account again
Regions Bank failed to honor the terms and conditions of a recent sign up bonus for a checking account. According to the offer promotional code  (  XXXX  ) , by   XX/XX/XXXX ,  I was required to open any new  LifeGreen Checking u sing the promo code. In exchange, I would receive a bonus of {$400.00} when I completed the following : Make 10 purchases with a  Regions  Visa C heckcard   (  must post within 60 days of account opening ) Enroll in Online Statements through Online Banking ( within 60 days of account opening ) Moreover, the terms of the offer stated : The offer is available only to the person who has registered and is non-transferable. ( this is the same language in the previous offer, which was not targeted, so theres no reason to believe this is targeted ).   {$400.00} bonus offer may not be combined with any other offer, does not apply if you have or had a Regions checking account on or afte r  XX/XX/XXXX , o nly applies to personal  LifeGreen checking acc ounts To earn this bonus, you must meet all requirements of the offer described above within 60 days of opening your new account. If earned, the bonus will be issued within 120 days of meeting these requirements, and will be in the form of a credit to the new checking account, which must be open at the time the credit is issued.   All  LifeGreen checking acc ounts require a {$50.00} minimum opening deposit.   The only checking account with a n APY is LifeGreen Preferred. No interest is paid on other LifeGreen checking ac counts.   For accounts opened in Iowa, certain account fees are subject to Iow a State Tax of 6  %, which will be assessed at the time the fee is charged, unless exempt. Taxes are the responsibility of the recipient.   Regions associates are not eligible.     I opened my account on   XX/XX/XXXX ,  and I completed all terms and conditions that I could. However, Regions Bank never sent my debit card to my registered address which prohibited me from completing t he 10 tra nsactions requirement. Regions states they sent the card, but I repeatedly told them I did not receive the debit card. I was repeatedly assured it would come. My address is valid and I regularly receive mail at the address.     Eventually at my own suggestion I requested Regions Bank send the card to a local branch so I could pick it up. I did, but wanted to confirm I could still complete the offer. I was told no, that the time had passed.     I requested the time frame be reset so i could complete the promotional terms. I was told no.     I was unable to complete the promotion due to Regions ' failing to ensure receipt of the debit card. My incessant requests for the debit card shows I intended to complete the terms and conditions. The fault is the Regions Bank, not mine.
To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is Chase XXXX I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
On the year XXXX the XXXX mortgage with XXXX XXXX then held by my father was in default. He was very ill and was XXXX. He tried to negotiate with XXXX XXXX and requested a deed in lieu. 
He was not successful and shortly after on XXXX XXXX he passes on. I inherited the house with default. I immediately seek legal advice. However it was not the correct XXXX. The attorney actually stated it that the house was in foreclosure and there was nothing that could be done. I continue to seek advice from other sources and other attorneys to now find myself in a very dangerous situation. My home, my inheritance continues to be in foreclosure and I need to safe my home. This is my only shelter. 
On XXXX XXXX I received a notice from Selene Finance that they were now holding our mortgage. I approach them and no one could help me. I have hired an attorney XXXX XXXX XXXX who is helping me with he paper work. I have requested a loan modification with Selene Finance however my shelter, my home is listed in the news paper for a foreclosure sale day of XXXX XXXX .Please note that these banks due not take the time to help. I am asking for you to please have my file review and give a chance to keep my home.. 
thank you
I have had Ocwen for my mortgage since XX/XX/XXXX when they bought my loan from XXXX. It has been a complete mess ever since. I called for a payoff quote XX/XX/XXXX and then again XX/XX/XXXX. When I received the pay off quote in XX/XX/XXXX the pay off was higher than the one in XX/XX/XXXX, so I called Ocwen for clarification. After trying to speak with numerous people that have no clue what they are doing ... I hung up and called back and actually got someone with some sort of a brain. She preceded to tell me I was 4 months behind on my mtg. I said to her I have never missed a payment in 10 years so where are you applying my payment? So I found out that in XX/XX/XXXX my payment increased but they were not allowed to contact us due to Bankruptcy laws. So for the last 5 years we have been mailing in the wrong payment amount. I am in the process of closing on a new home in one week and because of this Ocwen is not reporting it at all on my credit and my new home is on hold! Ocwen is ruining this for a lot of people! So one needs to stop them ... this is why there are so many forclosures put there!
Debt owed to XXXX of {$110.00} was paid in full to XXXX XXXX. Prior to payment of debt directly to XXXX, debt had been sold to Diversified Consultants. XXXX updated with Diversified Consultants that debt had been paid. I disputed with XXXX to have Diversified Consultants account deleted from credit report XXXX and XXXX. I spoke with Diversified Consultants XX/XX/XXXX to inquire why the account had not been removed. Diversified Consultants stated that though account was paid in full directly to XXXX and that account had been given back to XXXX that they had to have authorization from XXXX to remove from credit report and for me to speak with XXXX. I called XXXX and was told that CSR from Diversified Consultant was misleading and that account should have been removed from my credit report and as I am good standing that there is nothing on XXXX 's end that would prevent Diversified Consultants from removing the account from my credit report. I again called Diversified Consultants and told by another CSR that though debt is paid in full to original creditor that Diversified Consultants do not/ will not delete paid accounts and for me to consult a " credit expert ''.
I deposited cash into an ATM at Wells Fargo XXXX on Saturday XXXX XXXX. The ATM took the cash, did not credit my account and also took my ATM card. When I went inside the branch the manager, XXXX XXXX, told me that my cash deposit would be credited to my account within 2-4 hours. He suggested that if I need to buy groceries before my account is credited then to go ahead and write a check to the grocery store and the store wo n't cash it for 5 days or so. The bank rules say cash deposits are not credited until the next business day ... ... it is the next business day and I still do n't have my money available for use.
I got a phone call and the caller ID showed up as XXXX XXXX XXXX, so I picked it up. Some guy claiming to the the XXXX Police Department dispatcher told me that he has police outside my house and they will be coming in to get me if I don't call XXXX to settle a debt. I let him know that they were at the wrong address anyways and he told me they would be picking me up from work if I didn't call that number. 

I called the number and was told that I was being charged with fraud, writing bad checks, and defamation. If I wanted to avoid these charges I would have to : - Pay {$1000.00} today - Agree to pay $ XXXX/month for six months - Pay {$400.00} today and agree to pay {$170.00} for six months I didn't give them any money, but felt like this should be reported. I'm uncertain at the moment if there is a warrant for my arrest, or if police officers will be showing up at my job, this is ridiculous.
PREVIOUS CASE NUMBER : XXXX NOT RESOLVED NEW PROBLEM. On XXXX XXXX, XXXX, I send by signed return receipt a letter XXXX XXXX XXXX to settle my balance after making XXXX {$100.00} payments. I specifically stated to contact me by mail only due to lack of telephone responses on their part. I have not received one piece of mail countering my offer and now on XXXX XXXX without ANY WARNING I 've received an order to execute garnishment on property or wages. I have made many offers to settle this account and have told them I am on social security only. XXXX XXXX XXXX, who told me he did n't care that I was on social security, and there is nothing he can do to accept any of my offers, is bullying me. I have a part time job paying {$250.00} a month to buy groceries an I was willing to find a way to get a settlement with XXXX XXXX but all he wants to do is argue and demine me. I can not afford to have my wages garnished as I am on social security only. This XXXX XXXX XXXX. has never contacted me by mail when the filed my bank account be taken which is my social security and is exempt. NOW THEY NEVER COUNTERED MY OFFER BY MAIL AS I REQUESTED AND NOW WITH NO NOTICE THEY FILED TO GARNISH MY WAGES. I have tried so many times to settle with this company BUT ALL THEY DO IS YELL AND XXXX AND TRY TO BE SLEEZY AND SNEAKY TO GET AT MY EXEMPT MONEY. I WILL be going to a judge to get a stay on this garnishment as I feel that the practices of debt collection from XXXX XXXX XXXX. IS COMPLETELY DISHONEST. They just bully the XXXX out of you and get judgements passed WITHOUT ANY NOTICE. THEY NEED TO BE LOOKED INTO FOR UNFAIR TREATMENT TO ME AS A SENIOR CITIZEN AND I 'M SURE THERE ARE MANY OTHERS THEY BULLY. I have done my part to settle this with them.
I have 2 checking accounts with keybank, wife/myself ( 1 ) and daughter/myself ( 2 ). On XX/XX/XXXX my daughter noticed fraudulent activity on her account ( 2 ) and reported it to KeyBank. OnXX/XX/XXXX KeyBank put a {$1600.00} hold on wife/myself account ( 1 ) without notice or warning citing " write up offset '', leaving me unable to pay my bills. Keybank only response was to give me 2 case # 's XXXX and XXXX, also stating they have 10 business days to resolve matter. Can a bank do this? Had I not noticed this and mailed out payments my account would be overdrawn.
Hello, I am a veteran from the XXXX XXXX, and I am unemployed at this time because of my injuries from the military and other XXXX issues. My mortage holder forclosed on my loan because of accounting errors on their part and applied forced insurance amounts to my account statements and spread sheets when we already have our home insured thru State farm insurance agency. We would make payments to the mortage company and they would in term send our payments back or would deny that they receive them at all. We are doing the best that we can with making our payments on time but it is very hard to do with our lender threating us with forclosure notices. We have been back a forward with them trying to resolve serious issues with them we have not came to a favorable conclusing at this time. We think that our mortgage company has fail to follow appropriate billing and accounting practices with our homeowners loan.
I have the Rush card and have not been able to access my money for weeks. My bills have not been paid at home and my daughter college funds ca n't be paid.
CFPB Consumer Financial Protection Bureau Date : XX/XX/XXXX What happened? In XX/XX/XXXX we closed on our home. We were offered a mortgage payment that fit our budget and moved forward with the purchase of our home. In XX/XX/XXXX we were notified that our house payment would increase by 39 % due to what the mortgage company referred to an escrow shortage. I am familiar with what I would call a normal and explainable increase in taxes and/or insurance that could make the mortgage payment go up or down but not by 39 % for one year and then, for the life of the loan 16 % which would now make our home unaffordable. It is most likely, had these numbers be accurate from the point of origination of the loan, we would have not qualified! 
I believe the mortgage company and/or the servicing company is not being honest with the mistake that was made at the origination point of our loan. This mistake was through no fault of our own and has jeopardized us being able to keep our home! We have lived in our home less than one year and find ourselves in an awful position. We moved from our home of 15 years, moved our kids and established new neighbors and friends. This has created an unbelievable amount of financial stress for my family with no explanation from either the mortgage company or the servicing company as to why such a large increase? I would like to believe that someone made an honest mistake but Im left to believe that this mistake was intentional, fraudulent and predatory in nature. Our finances are suffering ; credit worthiness is dropping because of someone else mistake. Your attention in this matter is appreciated. Sincerely, XXXX XXXX
I received a settlement offer from Wells Fargo Home Mortgage. The letter stated that I may be eligible for compensation as a result of a settlement. After further investigation, I discovered that the Department of Justice has enter into an agreement with Wells Fargo Home Mortgage to refund service members for interest higher than six percent on mortgage loans that the service member originated prior to entering XXXX XXXX. This is in violations of the Servicemembers Civil Relief Act ( " SCRA '' ). 
A settlement offer of {$5900.00} was made ; however, this amount does not cover the total time I served and paid at the rate of seven percent interest. 
I am seeking assistance from CFPB to help in achieving the repayment from Wells Fargo Home Mortgage of the entire difference for the total time I served on XXXX XXXX, based on the SCRA. 
I sought legal counsel and it was suggest prior to moving forward with any other action I contact CFPB.