WillisBack/dataset-financial-user-claim huggingface dataset:
Loan Owner : : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Series I am repeatedly denied requests for loan modification by Loan servicers due to language in the PSA 'Loan owner does not authorize loan modifications ' Loan owner XXXX backed XXXX , XXXX XXXX XXXX XXXX for XXXX Mortgage pass through certificates '. All historical and current servicers ( XXXX, XXXX, XXXX and SPS ) of my mortgage that originated in XXXX by XXXX indicate the same. None of these servicers have contacated XXXX XXXX backed XXXX on my behalf requesting a waiver allowing me to modify my mortgage. When i contact XXXX XXXX, XXXX as the 'trustee ' they indicate that they do not have the authority to provide permission to modify my loan and refer my back to the service. the servicers will not provide me with contact telephone number nor contact name at XXXX XXXX backed XXXX so that I can reach out on my own behalf. the last filing of XXXX XXXX backed XXXX XXXX was in XXXX with the SEC. I have been informed by historical servicer that my loan was not propoerly securitized and that there is evidence of fruad. XXXX XXXX backed XXXX is a subsiduary of XXXX. My current servicer is Select Portfolio Services ( SPS ). My loan note and mortgage still indicate that XXXX as the originator from XXXX even though XXXX ( aka XXXX ) is no longer in business. XXXX and XXXX were purchased by XXXX. XXXX was dismissed as servicer by XXXX XXXX, XXXX in XXXX at which point i was tranbferred to SPS. Loan # XXXX
Personal installment loan debt with Springleaf was settled and final payment of settlement was made on XXXX/XXXX/16. Springleaf has deliberately failed to mark the debt as settled and the past due balance as {$0.00} on any of my credit bureau accounts. Instead, they have updated the balances as if the final payment ( last of 7 previous monthly payments ) was the only payment ever made.
I have read much data recently pointing to the fact mortgage loans actually do not fund at closing and instead a bait and switch is done with the HUD1 and the paying off ( or not ) of prior liens. Therefore, when I was reviewing my closing documents, I was shocked to see " Total Estimated Funds Needed to Close '' on the RESPA listed as {$490000.00} vs. anything close to the loan amount of {$190000.00}. Might this be prima facie evidence of the chicanery happening?
In XXXX of 2018, I submitted a dispute towards unverifiable items on my credit report, asking for proof of Original documentation of the transactions in question. I received neither proof or response in regards to any progress of reconciling and removing the improperly reported accounts.
XXXX XXXX XXXX, XXXX was informed that I was a victim of identity theft. 

I filed a police report and contacted the companies whose accounts were fraudulent. 

I recieved paperwork providing proof that the accounts being reported on my Equifax credit report were due to identity theft. 

Equifax for some strange reason, keeps reporting the fraudulent accounts as accurate. 

I sent the exact same proof to the other credit bureaus ( XXXX and XXXX ) and they both corrected the errors. 

I have sent and spent postage over and over to Equifax and they refuse to correct the errors. I have been embaressed, ashamed and hurt because of the errors due to identity theft that Equifax refuses to correct.
This guy is a hacker who has done illegal things i contacted him asking if he could get me items for XXXX $ ( not illegal ) in a game on steam he said sure i gave him the items i wanted sent the money then he blocked me and i ca n't refund it or chargeback or anything
On XX/XX/2018, Coinbase withdrew {$2300.00} from my account without prior authorization and no services/goods rendered. They stole my money directly from my account, resulting in withdrawal and overdraft fees. Called Coinbase, was on hold for 2 hours before I hung up. Emailed them, have not received a response.
Multiple XXXX XXXX XXXX accounts reported past due. Account reported open X/2006 with a balance of {$5500.00} is not my account, my XXXX account is a different number and is paid in full and not delinquent. Has since been closed at consumer request.
On XX/XX/XXXX we deposit XXXX for a total of XXXX. Then on the same date bank of America processed a check for XXXX and XXXX. Then we deposited XXXX more on XX/XX/XXXX and then had 3x XXXX fees for XXXX  XXXX XXXX, and autopay that went through as all debits are processed because credits even if applied on the same date. We asked if they could reverse the fees and they refused. Paychecks get held for three days before they are available. XX/XX/XXXX our XXXX XXXX  automatic payment was deducted on the same day my check was supposed to be direct deposited but it did n't go through, so on the XX/XX/XXXXwe made a deposit of XXXX to cover the insurance and the fee. Which leaves us penny less because of fees. Our van also broke down.
On XX/XX/XXXX I tried to apply for a credit card I was told equifax showed no info one me. Loged into credit monitoring XXXX XXXX   and other shows they have not updated my credit after XX/XX/18 I have called them many times and sent the social card and I'd as asked .... they keep telling me they can't not find my information ... .. Today is XX/XX/18 still being told the same thing
This Attorney a nd Wells Fargo have  violated my FDCPA rights by their continued attempts to collect an alleged debt before providing validation of debt. My original request dated  XX/XX/XXXX  has  gone unanswered. I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under " FDCPA '' to   cease and desist ALL collection activity until validation of the original note is provided.  <P/>  This law firm and Wells Fargo Bank are in violation of Fair Debt collection practices by continued attempts to collect this debt. All collection activity should have ceased and desisted until validation of the debt is provided. This is my 2nd  request and as of  XX/XX/XXXX  I have yet to receive the requested VALIDATION documentation.  <P/><P/>   I have requested the following : 1. Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains.
3. Provide details how the alleged debt was calculated.
4    . Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act ) 5. Provide copies of any papers that show that I agreed to pay the alleged debt.
6. Identify the original creditor and all Assignments from the Securitization based on the Pooling and Servicing Agreement to the original creditor. This means a valid legal chain of title from the depositor to the trust. Nobody but the Depositor ( Settler ) can transfer property to the trust.
7. Provide the agreement between the creditor and your firm which authorizes you to collect funds ( without a contract, your firm has no right to foreclose ).
8. Provide evidence that you are licensed to collect in my state.
9. Provide your license numbers and the Alleged Lender 's Registered Agent.
An item appears on my credit report from XXXX XXXX XXXX and I am not aware of ever receiving services from the original creditor XXXX of XXXX. The contact information including phone number are not correct as the business has closed and phone number is to a towing company. They are not able to provide me with correct contact information yet they can verify the debt with a company that does not exist any longer. The original creditor is also no longer in business. The only resolution I get is to file another dispute. When asked why they can not put me on hold and call the company they continue to tell me they will file another dispute. If I am not able to conact a person reporting negative information on my report to get information how can they legally continue to report it. The response is that the origianl company has my name and information correct so it will remain. This is very frustrating that credit scores are held in such high regard, but accurate record keeping and providing basic contact information is not. I have repeatedly asked for updated information or to have the item removed from my report. Once again, the answer is file another dispute and wait 30 more days.
I currently have three ( 3 ) issues. Number one ( 1 ) and two ( 2 ) need to be address. Number three ( 3 ) is a violation of the FDCPA and a complaint has already been sent through the FTC. Number ( 3 ) has been included to provide a complete picture of that is going on. 

( 1 ) I am attempting to have my Personal Mortgage Insurance ( PMI ) removed. Currently my account 100 % complies with XXXX the lenders requirements and my closing documents requirements for removal of PMI. I strictly followed the steps that are outlined in my closing documents. These steps are identical to the ones listed on Roundpoints website, which ask for the request to be email to XXXXXXXXXXXX. 

My servicer ( Roundpoint ) followed up with a Roundpoint " PMI Removal Form '' that is not tailored to the requirements of my lender. There form would put additional limitation on my account and states I am not eligible for PMI removal. I have sent multiple emails informing Roundpoint that I can not sign any document that may alter my current loan, be seen as an addendum, or that does not comply with the lenders requirements. Rounpoint refuses to continue the PMI removal process unitl I fill out there form. I informed Rountpoint that there standard form is not a requirement of the lender nor is its completion listed as a required step in my closing documents. 

( 2 ) The servicer ( Roundpoint ) states I have to pay $ XXXX {$600.00} for an appraisal. Since my email string ( attached ) the servicer has agreed to let me review the invoice and confirm the appraisal has not been " marked up ''. Though this is still higher than normal. I am worried Roundpoint is getting a kickback that may be masking any markup. I informed my servicer that the lender ( XXXX ) allows for a BPO to confirm property value and would be substantial cheaper. Roundpoint keeps saying an appraisal is " required by the lender ''. I sent Roundpoint a link ( shown below ). That indicates an appraisal is not " required ''. I have sent multiple email trying to have a discussion on this but Roundpoint refuses to address my concerns directly. 

XXXX : XXXX -Reference " Borrower-Initiated Termination of Conventional Mortgage Insurance Based on Current Property Value '' subsection XXXX. 

( 3 ) The servicer ( Roundpoint ) attempted to contact me. A representative called me and immediately asked for my address and last XXXX of social. I informed him that I would not provide that information to some random " XXXX '' that calls me. I stated, " I need confirmation that you are actually from Roundpoint. '' He refused to provide any information and stated that my refusal would be, '' notated on my account ''. I never confirmed I was the borrower and the servicer still added notations on my account based on the conversation. I have submitted a complaint with the FTC in regards to this FDCPA violation.
Filed prior complaint with CFPB case number XXXX regarding credit reporting during a unemployment forbearance received for months of XXXX, XXXX and XXXX of XXXX Credit reporting still has not been corrected as stated in their response to the complaint on XXXX/XXXX/XXXX. JP Morgan Chase stated my mortgage was reported current/paid as agreed during months of XXXX XXXX, XXXX XXXX and XXXX XXXX. All XXXX credit bureaus have my mortgage reported as 30 days late for XXXX and 60 days for XXXX XXXX. Request credit reported be amended as stated in JP Morgan Chase 's response on XXXX XXXX.
My bank does not ever timely send my account and balance information to  XXXX , and this has been happening since I started using this app in ( approximately  )   XXXX  of last year. The margin between I was instructed to take action either by notifying my bank myself or filing a complaint through the CFPB.
me and my ex wife had a credit card from bank of america before we divorce .the card was close in 2012 with a balance of {$5100.00} and since then this have been on my report have called several times to discuss the situation with them all to no avail.
I have been getting calls from the number ( XXXX ) XXXX at least 4 times a day consistantly for the last few weeks and it has gotten out of hand. The person on the other end stated they were calling on an account from XXXX XXXX I supposedly had for $ 800+ owed on the account. I 've never had a XXXX XXXX account personally. When I explained to them that I have never personally did business with XXXX XXXX, they asked me to provide my Social Security number to verify, and I proceeded to tell him that he will NOT be getting my personal information, and I was then hung up on. I tried answering a call from the same number a few days prior and when I picked up, they hung up on me. This needs to stop. I have no debts that are delinquent with anyone and am up to speed on all of our accounts we do business with.
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. 

There have been several disputes submitted to Experian regarding inaccuracies with more than XXXX account ( XXXX and XXXX were submitted through this portal ). 

There are approximately XXXX accounts on file at Experian that appear tot be incomplete. They lack an Account Type, Balance, Pay History, or have a Monthly Payments that are & gt ; XXXX, when the account is either closed or - has no balance. 

Additional issues are also highlighted for an Account that I never opened, an account where the Pay Status does not equal the Pay History as well. 

My Acct with XXXX as an example ( Issues XXXX ) has been disputed previously and Experian has stated they verified this account. 

There are some XXXX accounts with no " Account Type '' Classification, when this appears to be required as part of the metro file/cdia/crrg requirements I have seen. 

1. Please verify the status of this account, as it is not accuratea. The Account Balance is inaccurateb. The Payment History is inaccurate and incompletec. The last paid date is inaccurateA summary is attached alog with screen shots from Experian 's Direct credit monitoring service.
XXXX XXXX and Government Agency regarding my deceased mom Government funds continually deposited into my mother 's account after she passed away ( four years ago ). Government sent reclamation, bank has not returned the funds, money is in account and always has been. Government has deposited, withdrawn, and re-deposited funds continuously. I have been told it is my problem, not the government or the banks! I DO NOT HAVE THE FUNDS, the bank is holding them, why do n't they return them???? I have now been turned over to collections, the amount now due is up about XXXX to XXXX XXXX ( fees, interest etc. ) They have also turned this over to my credit history. I have been called and threatened with arrest, garnished wages etc. I DO NOT HAVE THE MONEY, NEVER DID, I AM NOT ON THE ACCOUNT, HOW IS THIS MY DEBT? There is no missing money, it is in the account which I have no access to. It is not really a debt since the bank has not returned it, how is this my debt? I must emphasize to you, the money is in her account, I ca n't get anyone to resolve this. I am now facing legal issues ( and expenses ) for a problem not mine, not created by my mother or myself. We have XXXX huge agencies who have failed to do their jobs and I am being harassed and threatened for money that has never moved except for the government taking it and putting it back. Who is responsible for these transactions, not me. Why has this gone so far and for so long, seriously, how is this even possible. Please help me to resolve this and to have my credit restored. I continue to be humiliated, defamation of character, embarrassment, threatened and the mental stress of this has gone beyond imaginable. Someone please resolve this, I do not know what else to do.
I have been the Victim of fraudulent activity. There is an unauthorized installment loan in my name from Wells Fargo that i 've contested for almost 3 years now. I have been forced to make payments on a loan i did n't sign for or take out, in order to preserve my credit. Now that Wells Fargo has been officially caught with this act of opening accounts in people 's name, i 'm looking for full restitution of the amount i 've paid and the installment loan removed from my credit report.
ON XX/XX/XXXX a gift card was purchased at XXXX XXXX at XXXX in XXXX XXXX XXXX CA. Phone number XXXX. The card number being XXXX Was mailed to XXXX XXXX in XXXX Texas. The card was received in the mail XX/XX/XXXX. 
Upon trying to use the XXXX funds on the card, it was shown that the card was already used on XX/XX/XXXX at XXXX XXXX. store in XXXX Ca at XXXX XXXX for the full amount of XXXX. 
I immediately contacted BHNDISPUTE dept. and they advised me to fill out a DISPUTE FORM and either fax it or mail it, I did both. I have called several times and they had asked for proof of purchase, so I sent them the information they needed via email. When calling them they stated they have not received anything so I kept sending it. I have called numerous times and have been unsuccessful with any answers, the only for sure thing was they kept telling me to be patient and let the dispute dept. investigate. They also told me if it was a bank card that purchased the gift card you would need a bank statement. A credit card did not need one. The gift card was clearly purchased with a credit card. During the duration of XX/XX/XXXX to XX/XX/XXXX I never received a phone call from them, and the only piece of mail they sent me WAS THAT THE DISPUTE WAS CLOSED AND COULD NOT BE REOPENED From Blackhawk Network. I then called XXXX in XXXX XXXX XXXX where the gift card was a purchased and they made a call to the company, no success, I also called XXXX in XXXX Ca but was unsuccessful of a return phone call to let them know that there was a fraudgelant charge that occurred there. This company was completely unprofessional and very difficult to work with.
I tried to log into Equifax to view my credit report. I attempted to dispute items. I received an email from Equifax saying they had resolved the disputes. I tried to login to my equifax account. I could n't. I then called the number given to resolve disputes with Equifax to reset a password. XXXX. I got a woman named XXXX located in XXXX. I did record the phone call. This unknown person wanted my social security number which in these days of identify theft I do not want to disclose to anyone I do n't know. She kept asking for some unknown reason if I was called from XXXX or the United States. So clearly she had some information on me. I gave her my email which she said she did not have on file. She then wanted a credit card number which again I did not want to disclose. I think I am tired of companies like Equifax determining my interest rate on mortgages, loans, deciding whether or I can obtain a rental. I did inform XXXX that I was the recording the phone call, so this was not made without her knowledge or consent.The long and short of it is that XXXX and then her manager XXXX demanded personal information such as my social security number which I was not willing to give to somone I do n't know in XXXX.
I recieve quarterly credit updates for all three bureaus through a credit monitoring service. To date, the negative information placed by XXXX has been recently removed/aged off on both my XXXX   and XXXX reports. Upon noticing that Equifax was still reporting it and affecting my credit score, I went on their website to dispute the account still appearing. While reviewing what was listed, I noticed many discrepancies. First, Equifax was showing a " monthly payment '' for months when the account was already in a " chargeoff '' status. More importantly, they are reflecting a 1st delinquency date of XX/XX/XXXX which is inaccurate. That is when it was placed as a charge off, but the 1st delinquency date was after the last payment was made in XX/XX/XXXX. My credit monitoring report from XXXX shows the 1st delinquency as XX/XX/XXXX which is 60 days after the last payment was made. When I called them today, the representative stated they will reach out to XXXX and I need to wait 30 days. She told me I will have to wait until XX/XX/XXXX. This is not an XXXX issue, but an Equifax issue. They are reporting false information and are refusing to follow the law and remove the account.
The collection company keeps calling my office number. Looking for a person we do not know here and had never work for us either. I keep asking to take the number off their list and nothing happens.
I have an issue with Bank of America taking {$70.00} out of my account after it over drafted a small amount for a matter of a few HOURS, not days. I went to the bank immediately to put the funds in. The real issue is that the policy used to be that you would only be charged if money is not added within 5 days and I was not notified of any change to this policy and therefore did not expect a charge. Naturally I try not to overdraft but I have accounts at XXXX banks and I had forgotten to make a transfer. If it were days I would understand and especially if I had been notified of a policy change, but not hours. Also, there was enough money in my savings to cover the amount. The bank used to let you link the accounts for protection and now it does not, so it can take your money. Managing someones account is not an excuse to steal from them anytime you see fit. I will be looking for a new bank immediately.
CCS of XXXX MA sent a letter stating I owe {$280.00} due to XXXX. I have never had any business with XXXX and sent a letter stating this. The credit collection letters keep appearing. I have never had a XXXX policy in my life. Please stop the scams and fraud. File number XXXX
I have reached out to all parties associated with the UNAUTHORIZED inquires. The company states that is is the credit bureau who removes inquiries. I reached out Experian with no result and the worst customer service dept ever. Who has no knowledge on anything and can never provide you with a supervisor. These inquiries was ran without my knowledgement. These inquiries are not for any credit offer, insurance etc. The was done online according to the companies. There is company of and id or social security card or signatures.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/2016.
Citibank will not print, display on line, or email a statement if there are no charges made on the card for the statement period. This is true even if there are payments made on the account during that statement period. 

This results in the inability to balance the account. The card holder must call the customer service, escalate the call to a manager, and then request a letter regarding the payment. But they will still not send a statement. This must be done every month.