WillisBack/dataset-financial-user-claim huggingface dataset:
I Have a second mortgage that was sold to GREEN TREE/DITECH. This account was sold several times. IT IS XXXX XXXX XXXX XXXX ACCOUNT. Many of my payments went unreported. I asked for loan modification from Green Tree, they told me no. They did not give me any option but NO. Green Tree has tried everything they could to foreclose on my home. They put my number on auto dial which is robo calling. They call my phone many times a day. I have worked hard and paid my bills and my mortgage. The balance barely went down after paying all of the years that I have done so. This is wrong. Now I find out that Green Tree is Ditech. I am writing you for some type of justice with this matter
A XXXX XXXX from Foster and Monroe called myself, my place of employment, my spouse, my daughter and my mother to attempt to collect an unvalidated payday loan debt from XX/XX/2014. When calling my daughter, the agent on the phone, Ms. XXXX, told my daughter that " she should care because it will effect her, '' and they could, " take her house. '' They asked my daughter to verify my date of birth, as well as my social security number, which my daughter declined. In contacting my mother, the caller listed my date of birth and my spouses date of birth, and saying there was " a complaint against '' me and my spouse " in her office. The caller left a message stating that my mother needed to contact them directly, or have her attorney contact him. When I contacted them upon hearing their message, I spoke with a XXXX. I told XXXX that I wished for my family and my employer to no longer be contacted, and he told me that my daughter would not be contacted further. In addition, XXXX told me that since the alleged payday loan was with a tribal community, that Federal Debt Collection Practices did not apply. He asked repeatedly to confirm confidential information, which I declined. When I asked if his company was a debt collector or a law firm, he said they were " paralegals '' and that they just " handled the paperwork. '' Upon researching, this is a gross distortion of the this company 's business.
In XXXX of XX/XX/XXXXWe filed for chapter XXXX bankruptcy. In XXXX of XXXX we completed 3 trial payments for a loan modification. Loan documents were sent out to be signed. We never received the documents. Because we completed the trial payments I was under the impression that our modification was complete we waited to see what our new payment would be before making any more payments. I call every month to find out What our new payment would be. After nine months, I was told that the documents were sent to my attorneys offices and returned twice. At this point our home went in to foreclosure and a court date was set for us to have to move out and turn over the home. The date was set for XX/XX/XXXX. It was Seterus fault that we did not receive our documents by XX/XX/XXXX. They never contacted me to let me know the status of our modification and what we needed to do. When I called I was never given any information as to where my documents were. Interest in late payment fees were added into the loan and our loan has in creased by over {$100000.00}. When we bought the home in XX/XX/XXXXWe paid XXXX We put down XXXX we got a mortgage for {$340000.00}. In XX/XX/XXXXwhen the loan was transferred to Seterus our mortgage balances was approximately XXXX.
I was approved for a Trial period plan under the Home Affordable Modification Program with my servicer SLS on XX/XX/XXXX. My first trial payment was scheduled to start XX/XX/XXXX and end on XX/XX/XXXX. I have had an attorney helping me submit my paperwork to SLS during this entire process. Upon receiving the trial paperwork showing a trial payment of {$2300.00} per month my attorney contacted SLS and advised them they used an inaccurate income to determine my qualification and trial payment. SLS advised my attorney to submit our dispute in writing. My attorney did this on XX/XX/XXXX and confirmed it was received by SLS. SLS also advised my attorney that I should make the trial payments and if there was an error in the income calculation and trial payment amount that it would be corrected once I received my final modification and reflect on that paperwork. The error SLS made when calculation my income is simple. They based it on an amount of {$7600.00} per month which includes my base salary and tips. However, SLS counted my tips XXXX. My actual income was only {$6400.00}. My attorney advised me that normally SLS will just ignore our letter advising them they made an error and just finalize it with the same INCORRECT payment. The final modification paperwork arrived dated XX/XX/XXXX. The new payment is NOT 31 % of my real/actual/correct income. It 's 31 % of the income that we advised SLS was incorrect. I am on a tip compliance and the tips that show on my pay stubs are only for calculating my taxes withheld. I sent a profit and loss ( Per the request of SLS ) for ALL of my tips. Inclusive of the tips that show on my pay stub. Not in addition to the tips that show on my pay stub. Upon contacting SLS they state they have reviewed my attorney 's letter advising them there was an error in the calculation of the income and that they determined it was correct. However, this is IMPOSSIBLE. There is no way to calculate that high of an income for me without counting my tips XXXX. I again faxed another request to correct my income on XX/XX/XXXX. The error made while calculating my income is not complicated. The letter explains what happened ( See attached copy to this complaint ). Unfortunately SLS simply gives lip service when they reply to these types of disputes. This is not only unfair to myself, but it basically defrauds the government because they are participating in the HAMP program and the HAMP program requires the lender ( SLS ) to offer a new payment which is 31 % of my income. The offered final mod dated XX/XX/XXXX IS NOT 31 % of my income. It is 37 % of my gross monthly income. I am asking CFPB to please demand SLS comply with an actual review and correction to the error in my income calculation. So far when my attorney talks with SLS they only push for me to just accept this final modification. This final modification is fraud and uses the HAMP 1 program without lowering my payment to 31 % of my actual income.
I began receiving nonstop calls to collect money for both of my Navient and XXXX XXXX loans my Sophomore year of college, XX/XX/XXXX, once to twice a day every day. At first, I would let them know that I was still in school and could not repay as of right now. They continued my entire school career and continued after graduation XX/XX/XXXX. They did not stop calling even while I was making payments to my private loan interest during school. At one point, they sent a collection agency after me my senior year in XX/XX/XXXX. They began calling me from different numbers to try to fool me - I have voicemail records for the past two years of the different numbers. They started calling me during class and almost twice a day, it got so bad that I had to block every number I knew they were attached to. Also, Navient and XXXX XXXX began calling my mom - who is not a cosigner or even listed on any of my loan paperwork.
They did not stop calling me on random numbers until after I began an automatic payment plan of $ XXXX/monthXX/XX/XXXX. And it is possible that they are still calling but can not get through because I have blocked them. At first, I thought it was going to be great to have it taken out automatically - but then it became that the $ XXXX/month does not make a single dent in my private loan. I have it set that my repayment is supposed to be split between loan and interest ( half and half ), but it is currently only covering my monthly interest and of course, the private loan continues to increase because of the interest that I am so called paying off.
I have talked to multiple Navient customer service operators about how to allocate the funds differently and have tried to explain my situation - the operators did not help me and are extremely rude. They simply " explain '' why I must pay at least {$330.00} and suggest that I should pay more to get ahead of my interest. The payment to my actual loan never exceeds $ XXXX/month and the rest is applied to interest. And as of right now, the amount allocated to my actual loan is decreasing while the amount allocated to my interest is increasing.
In the attached files - every number that is from XXXX XXXX, TX, XXXX, PA, or Unknown is from XXXX XXXX and Navient. ( Unfortunately, I broke my phone before I graduated and lost my screenshots of the previous calls - but I can always request phone records from my carrier if more evidence is necessary ).
Placed an order with XXXX in XX/XX/XXXX for fig trees to be shipped in XX/XX/XXXX. It 's XX/XX/XXXX, and shipments were nowhere to be seen. Seller does not respond to emails, and does not have a valid phone number to be reached. Contacted PayPal, and case was closed due to over 180 days. PayPal had suspended the seller 's account long ago due to fraud, and yet failed to contact buyers that had made purchase with seller. PayPal refused to refund buyer using their 180 day policy even knowingly there was a fraud with seller Seller : XXXX XXXX aka XXXX XXXX aka XXXX aka XXXX
XXXX AND EXPERIAN ARE FALSING REPORT OLD MORTAGE LOANSMortgage account number XXXX and mortgage account number XXXX XXXX I started the hardship process with XXXX XXXX XXXX weeks prior to the closure of the short sale the loan servicer XXXX bundled my into a bulk sale/transfer of an new servicer XXXX . Subsequently XXXX providing false or misleading reasons for denying short sale and refused to handle my loan modifications without me first making a payment. The customer service agents at XXXX suggested I take a loan from my XXXX account to prove I was serious about resolving the matter. A loan was taken from my XXXX payments were made to XXXX up to XXXX XXXX and I was still unable to get assistance with a short sale or modification. XXXX year later, the deed of the property was transferred to the XXXX. All support history is attached. 
Experian is the only credit bureau who has refused correct the reporting mistakes by XXXX both XXXX and XXXX have been compliant with my request. 
Attached : XXXX XXXX Experian list XXXX as verified/updates with incorrect dataAttached : XXXX report of Experian reporting agency show the account status as deed in LieuAttached : Sherriff Sale of the property AttachedAttached : Deed transfer in lieu of for foreclosure
I used mobile deposite to put my two paychecks in from my work place, together over {$1300.00} and it's being withheld from me for an extra 9 days. I get paid biweekly and all my money for my NOW past due bills is in there. I called TD bank twice and they pretty much told me " oh well '' and wouldn't even give me a reason why they are being held. At this point I want my money and to close my account.
I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information. 


Federal Trade Commission # XXXX
Lending Club led me to believe that my loan had been approved and then went back on what they said a week later and denied my loan. I first received a preapproved letter from Lending Club in the mail and proceeded to apply. Within minutes of completing the requested information, I was told I was approved, but needed to finish the " checklist '' on my login page. I completed all steps, including providing very senesitive information like my bank account number and sensitive work information. A week later, when I had n't received the direct deposit and had not received any follow up correspondance, I logged back in and the website said that I just needed to call to confirm my identity for the funds to be dispersed. I did this, providing/confirming additional sensitive information by phone, then was put on hold indefinitely until I had to hang up to take a work call. I then received an email, stating they would be calling me by the end of the next business day to confirm some information. Except then later that same day, I instead received another email stating that I had declined for the loan.
I am with Select Potfolio Servicing and I was 2 payments behbnd.I thougt ii was on a repayment plan but they said I was on a tiall modification, ye ii never applid for one! but the modificatinis is more than my normal payments. 
Also due tomy XXXX and the mortgage increase i can no longer afford my gas bill so i have noheat nor hot water.My home is in a rural moutsin area whee it snows!
I have been a victim of Identity Theft since XXXX XXXX, XXXX. I already filed a XXXX XXXX Police report, placed a Security Freeze and Fraud Alert through my credit report such as XXXX. I also filed a report through the Federal Trade Commission. The suspect stole my personal information such as my Social Security Number, date of birth and work related information to open numerous fraudulent accounts under my name without my knowledge and authorization. I had to contact most and all credit card companies and financial companies to dispute the fraudulent charges against me. The fraudulent charges were dropped in my favor because I cooperated with the credit card merchants. My credit score was restored back to XXXX points again since XXXX XXXX. I always paid my bills on-time without penalties. I have and owned a good home because I am a responsible person and paid my bills on time. The suspect ruined my life, my freedom, my reputation as an honest man and credit score when he opened these fraudulent accounts and avoided captured from the law. I have suffered through enough anger, frustration and stress for the past 12 months since my Identity Theft case. Today on XXXX XXXX, XXXX I received a bill for the amount of {$6300.00} by the company known as XXXX which represented Galaxy International Purchasing , LLC. I cooperated with XXXX XXXX XXXX back on XXXX XXXX which also represented Galaxy International Purchasing , LLC. I faxed XXXX XXXX XXXX all the paper works it needed such as my CA Driver License, my Social Security Card, my work ID, an affidavit form which included a notary signature person to verify the true identity of me and a XXXX XXXX Police report. I did NOT hear anything from XXXX XXXX XXXX since then because I thought my case was dropped in my favor. It appeared Galaxy International Purchasing , LLC is still harassing me through another collection agency trying to force me to pay bills which I do NOT owe and I refused to pay the {$6300.00} because I have been a victim of Identity Theft. Galaxy International Purchasing , LLC should be punished for allowing criminals to use anyone 's name without conducting a thorough investigation of the person. And now I have to pay the amount because of Galaxy International Purchasing , LLC was negligence to allow criminals to steal victim 's identity and open fraudulent accounts. I refused to pay XXXX due to Identity Theft and will hire an attorney to sue Galaxy International Purchasing , LLC for repeated harassment. I would like Galaxy International Purchasing , LLC to STOP sending me bills for which I do NOT owe and will NEVER pay because I did what Galaxy International Purchasing , LLC want by sending them my personal Driver License, a police report, my Social Security Card and an affidavit form which included a notary signature. I am very upset with Galaxy International Purchasing , LLC for the repeated harassment and for allowing criminals to use my name to open fraudulent accounts and force me to pay the price.
Follow-up Documents to Complaint XXXX / Scam Alert?? 

As previous mentioned, I want answers as to how my mortgage was placed under Bankruptcy when I, the sole owner has not filed bankruptcy!!?? My XXXX mother lives with me. She has filed for bankruptcy. She is not listed on any documents related to my mortgage. However, Flagstar has placed my home in their " bankruptcy department ''. They are also charging me for " Legal action and fees ''. Why? If they had searched public records they would have known this was an error. I am starting to think this is some kind of scam ( place accounts under bankruptcy, then charge owner for " Legal action and fees '' ).
I have tried different ways to find a final solution for my mortgage problem. I paid a company that promised me a modification, they stole my money and nothing was done. When an organization name XXXX came to XXXX XXXX, I slept outside the buildings to be XXXX of the first ones and find a solution to my mortgage problem. I have expended hours on the phone with Chase Bank and nothing have happened. I was trying to save my home, I filed for bankruptcy on XXXX 2010, 5 months later I was granted a modification that have turn to be a nightmare, I am attaching the documents so you can see what Chase Bank is doing to me. They added a so called " silent second mortgage '' in the amount of {$170000.00}, The amount of the principal plus this silent second mortgage is {$530000.00}. This amount is more than the amount of principal before bankruptcy.
I have been back and fourth with this company now for almost a year about removing his fraudulent account from my credit. I asked them to VERIFY this account with proof of my signature SEVERAL times and this final time I was asked by Bridgecrest for me to mail in copies of my license, social security card, and a Notarized Theft Affidavit which I did only to receive a letter a week letter requesting the SAME EXACT information ... I called Bridgecrest on today XX/XX/2017 and spoke to a rep that said that XXXX ( another rep ) at this company " verified '' my signatures matched on everything. This is the SAME information have been requesting for almost a year in writing which I KNOW is COMPLETE XXXX. Because this is a fraudulent account. I have done my part as far as disputes, Theft Affidavit 's, and reporting to CFPB. Bridgecrest can wash their hands with getting paid for this XXXX. account because it will NEVER happen. You should investigate better when something is being brought to your attention as well as hire people at your locations to do better jobs at verifying peoples identity " WE ALL DO N'T LOOK ALIKE ''.
Hi, I am writing the CFPB to report an incident with USAA in regards to unfair and deceptive acts and practices ( UDAAP ) & the Electronic Funds Transfer Act ( EFTA ).  The problem is that USAA misrepresented the available funds in my checking account thus deceiving me into making a payment that was later reordered to appear overdrawn on the account. I am providing a summary of events as follows. I logged in to my USAA checking account at approximately XXXX XXXX CT on XX/XX/2018. I observed an available balance of {$200.00}. I used this information to make a payment of {$200.00} from my USAA checking account to my USAA credit card at XXXX XXXX. I also tested out transferring funds from an external account. Upon review of my checking account, USAA changed the order of deposits and placed the credit card payment ahead of the reported account balance, resulting in an overdrawn balance. I contacted USAA chat to confirm that this must have been an error on USAA 's part. The chat representative ( chat rep )  claimed initially that my balance was never {$200.00}, then later claimed that the deposit arrived after I made the payment & a transfer. I continued to share details & times of the transactions. The chat rep continued to deny. I explained that I would have to escalate the issue to a regulatory complaint. The chat rep continued thinking I was doing this because of " feelings. '' I reminded the chat rep that the chat provided evidence that USAA appeared to using UDAAP to create the appearance of an overdrawn account & refused to correct the problem. The chat rep claimed they would file a complaint on my behalf. I explained to the chat rep again that USAA 's actions would be different from the regulatory complaint I planned to file. Please let me know when USAA can correct reordering payments and deposits. Thank you for your time, XXXX XXXX
We received an escrow analysis indicating that we have a shortfall and upon review of the analysis we discovered that our PMI ( RBP ) insurance payment increased more than 22 % beginning the month of XX/XX/XXXX ( highlighted on included documentation ). We called the customer service and spoke with XXXX and she explained to us that it increased because the value of our home increased. Surprised by that answer, I told her that my hazard insurance covers my property not PMI. If my property value increased, then it makes sense that my hazard insurance will as well, as it does from time to time. I explained that my loan value ( which PMI insures ) is actually decreasing over the length of the loan and PMI should decrease accordingly. She replied reaffirming that " the property value '' is what she was told as to the reason. Unsatisfied, I requested to speak with someone else, but was told someone would call us back. Never heard back and thus, this complaint. I would just like an explanation as to the increase in my PMI for the months in question ( XX/XX/XXXX - XX/XX/XXXX ) and an adjustment as appropriate.
After 4 phone calls, being put on hold for an hour at a time by the call center in the XXXX, I was finally able to speak to an American. As I am speaking to her, I find out that the address they ( Equifax ) are reporting for me is 10 years old. Yes, TEN years old. Their collection account activity is also incorrect as ALL of the collections were paid by my attorney in XX/XX/2018. The hospitals and doctors sent the attorney all bills due to the injury suffered ( broken shoulder - and needed to be replaced ). The hospitals and doctors agreed to a settlement for which was negotiated by the attorneys and the hospitals and doctors offices. Equifax has NOT made any changes at all and this has been going on now for 4 months. Equifax has refused to remove anything from my credit report OR make the correction to the address for which has been incorrect for 10 years. This company needs to be shut down.
Real Time Resolutions XXXX I do not understand why this account is reporting XXXX on mine and my husband 's credit file. There is also a late payment on XXXX that is being reported that is not accurate. Please update and correct my credit file immediately or delete these accounts of our credit files!
Hello, I have been requesting TD Autofinance to send a copy of my vehicle title to the XXXX XXXX so that I can register my car in XXXX XXXX and they have failed to do so. I have followed the instructions provided by the XXXX, including trying to send the request form by fax and by mail ( multiple times ). I have also spoken with representatives over the past several months to resolve this and TD Autofinance has still not sent the copy of the title to XXXX. I really need to register my car in XXXX and need to have this paperwork done. This has been on-going for several months.
I received a legitimate-looking letter in the mail from debt collector Convergent Outsourcing , Inc . It claims that I have an account with XXXX, with a past due balance of {$190.00}. It claims to offer me a reduced balance of {$96.00}, as a one-time-only offer. 
I do not have an account with XXXX, nor do I live, or have ever lived, in a state in which XXXX offers services. I called XXXX to make sure this is not a case of identity theft, and they confirmed that I do NOT have an account with them. 
This is a case of fraud, but I am not sure if the company Convergent Outsourcing , Inc., itself is the perpetrator, or if there is another party posing as Convergent Outsourcing , Inc., to carry out this fraud.
I received a letter from XXXX collection agency stating that I owe them money. I sent them a letter to only contact me via mail and not to call me or my employer. Since I confirmed delivery of the letter I received 1 call a day and my employer is also receiving 1 call per day. I would like this to stop and for them to follow the law.