WillisBack/dataset-financial-user-claim huggingface dataset:
Bank risk department has been placing a hold on my payroll check deposits. The last XXXX. The last XXXX I converted to cash, got a cashiers check, and depositedthat. Again after a few days, a hold was placed on the funds. The first time, I went to the issuing bank, while I had Bank of America on the phone. The issuing bank, XXXX, had a record of BOA recieving the funds the day after I made the deposit. Yet XXXX days later the risk department software froze my ability to use my money. I feel strongly that there is a problem, if BOA does this to XXXX people monthly, that check kiting software they have developed improves their bottom line at the expense of the public. It 's a sofisticated way to kite checks, a practice that should have been regulated out. They take my {$1100.00}, and even XXXX other people 's funds for a week and then have the resources to loan out for mortgages or investments. While my XXXX year old wonders why there is no milk, and Daddy works every day. The BOA Vice President suggested I " climb the phone ladder '' but that stopped at the second rung and no money for a week. And this last check was a printed cashiers check, banking gold as I understand it.
The loan was assigned originally by XXXX as nominee for XXXX XXXX in XX/XX/XXXX - and by a known robo signer with title of assistant secretary of assignments for XXXX. Then robo signed again in XX/XX/XXXX by XXXX XXXX and notarized by XXXX XXXX - XXXX robo signers. False representation by SPS that they offer me application under the DOJ National Mortgage Settlment Act - THEY DID NOT DO THAT! In fact they refused to allow application saying that they did not work those. However, XXXX XXXX who was originally assigned my loan at the beginning of receipt of it disclosed that the file was sent to her specifically because it was tagged as a DOJ benefits and application loan. She said that they failed to offer me the application and did not follow the process to inform me of the availability of the program for me because of the illegal foreclosure actions that had taken place against me and had been included in the foreclosure fraud program and award. There are so many problems that it is impossible to address them all in this space. I am attaching a letter and some documents for review. I should note that this is just the tip of the iceberg. Accounting has not been provided to me as requested all the way back to the beginning of this loan so that I can assess all charges.
I first took out a loan with Consumer Financial Services. I unfortunately was going through financial difficulties and was unable to make payments. Consumer Financial Services then sued me, which I understood. Once the garnishments went through, I realized I was unable to afford any day to day expenses and my other bills, so I had went to Consumer Financial Services to work out an arrangement. The owner, XXXX, agreed to refinance my loan including my collection costs and put my payment at XXXX. He advised my employer that we had worked out an agreement and to stop the wage garnishment. My employer was unable to comply, so he then took advantage of the situation. XXXX first told me that he would apply the payment that was due towards my new refinanced loan from the garnishment checks and he would reimburse me of the remainder if I was current on my loan. When it came time to reimburse me, he decided that he still did n't trust me and kept the garnishment and told me he was going to keep me two payments ahead even though the agreement in writing did n't state that. I went into Consumer Financial Services to speak with XXXX directly and advised him that I was unable to afford making twice the payment on a monthly basis and that 's the whole reason I made arrangements with him. XXXX then told me that he did n't care, he does n't trust me, and I do n't deserve the funds back to me. I have a written contract with him refinancing my loan and that did n't matter. He then used foul language and was extremely unprofessional. I then started crying, being so disrespected and frustrated and he told me to stop XXXX crying and I 'm annoying him and if I say another word he would n't give me any of my money back and just put it towards the loan. I have never been so disrespected in my entire life.
Collection agency called my sons and informed then that i had charges filled against me and that they had sheriff officers on stand by to charge me. And that I owe XXXX XXXX dollars for a XXXX XXXX XXXX XXXX dollar debt
This complaint is based on violations of the FDCPA and the FCRA by State Collection Service ( SCS ). 

___ On XX/XX/2018, I reviewed my credit reports and saw a collection account reported by SCS regarding an alleged medical debt. I was never aware of this account so I had no opportunity to dispute the debt until this point. 

___ On XX/XX/2018, I disputed the debt directly with SCS in  writing. In my dispute, I included the very same form letter provided on the website of the CFPB for consumers to request validation of debt. 

___ SCS received my letter on XX/XX/2018 via certified mail. 

___ In my letter, I instructed SCS to cease collection of the debt until it was validated. 

___ In my letter, I advised SCS that I intended to dispute the account thru the credit reporting agencies, and that if they verify the account to any credit reporting agency prior to validating the debt, then this would be a violation of the FDCPA for failing to cease collection of the debt. 

___ On XX/XX/2018, I disputed the account thru the credit reporting agencies. My dispute included that I had no knowledge of the account, and that [ SCS ] failed to validate the debt as required by the [ CFPB ]. 

___ Between the dates of XX/XX/2018 and XX/XX/2018, I received the results of the investigation from the credit reporting agencies, where SCS failed to cease collection of the debt because they falsely verified the account thru the credit reporting agencies. 

___ At no time did SCS validate the debt or provide the answers and materials set forth in the form letter as provided from the website of the CFPB. 

___ Based on the aforementioned facts ( and supported by the attached Exhibit ), SCS engaged in following violations of the FDCPA and FCRA : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they failed to validate the debt and have continued collection activity thru use of the credit reporting system. 

___ ( b ) Violation of the FDCPA 15 USC 1692 ( e ) in that they have taken action that can not legally be taken. 

___ ( c ) Violation of the FDCPA 15 USC 1692e ( 10 ) in that they employed false or deceptive means to collect a debt. 

___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt. 

___ ( e ) Violation of the FCRA 15 USC 1681c ( a ) ( 6 ) ( A ) in that they published the name of a medical provider on my credit report. 

___ ( f ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute thru the credit reporting agencies. 

___ ( g ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( B ) in that they failed to review all relevant information provided in my dispute to the credit bureaus. 

___ ( h ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.
XXXX XXXX XXXX is fasely reporting a account that is related to my identity. I havent done any business nor signed any legal contacts with this company. The company refuses to validate the debt.
Shellpoint has acted with gross negligence and gross incompetence in dealing with my foreclosure avoidance request. They are also in violation of CA anti dual tracking laws by processing a forelcosure while at the same time processing my short sale request. At issue is the fact that for more than an entire month Shellpoint kept asking me for financials which were not required because borrower was deceased. I provided power of attorney and I also provided transfer of deed which negated any need for estate docs yet they were not competent enough to know that. They kept asking me for docs that were not needed and illegally pursuing a foreclosure sale date at the same time. Due to their negligence and lack of knowledge for something they are being paid to service they ate up my time and now there is a sale date to their own fault in 3 days. This is not acceptable under any circumstances.
I have been disputing with equifax credit reporting agency an account that is reporting on my equifax credit report that is completely wrong. I have been disputing this for months now and very fustrating nothing is being corrected. However XXXX and XXXX have corrected the situation and finally fixed it and deleted it off my report. The account is XXXX XXXX XXXX XXXX in the amount of {$860.00}. This is absolutely wrong. I have multiple loans with XXXX XXXX XXXX XXXX that were combined loans and were paid. This {$860.00} if part of the {$6600.00} loan I had with XXXX XXXX XXXX XXXX. It is reporting as delinquet and as a seperate loan. Again this is completely incorrect. I had disputed and requested that this {$860.00} be deleted off my report. XXXX and XXXX  did there investigation on this and the bank responded that the {$860.00} was to be deleted ( which it was ) however equifax is not doing a proper investigation or they would have received the same response and corrected the problem and removed it off my report. I spend countless hours and days trying to resolve this problem as I do not want wrong information that is untrue reporting as it is affecting my credit score and credit worthiness.
I tried to dispute this account because it has been over 8 years that this account has been opened and I wanted it to be removed from my credit report. As the result, this account came back on my credit report re-aged. 

I spoke to XXXX  and they told me my account can not be removed because with a {$0.00} balance I need to wait 10 years. And it is showing a new date as XX/XX/XXXX and this account will be removed from my credit report in XX/XX/XXXX. They re-aged my account and told me there's nothing they can do about that. 

They also told me to try and contact the creditor company and ask them to send an authorization to remove the account. 

I called the creditor company and they told me it is impossible that my account re-opened unless I applied for a new credit line which I did not. I tried to explain the situation to her which she did not want to listen, and she told me they can not remove anything. 

I know my rights and I know that they can not leave bad debts more than 7 years on my credit report and re-aging accounts are illegal.
I have requested on 3 different occasions to have XXXX accounts deleted from my credit profile. The credit bureau continues to report them despite inaccurate information. XXXX XXXX and XXXX were never authorized to obtain credit file or insert items to credit file under any circumstances. XXXX and XXXX XXXX are fraudulent accounts.
I advised in the conversation with the representative that the rate at which they wanted me to repay was unattainable at my current income level. The representative then responded, with full fledged attitude, that " they '' did not need to make any concessions for me, that they can make me pay whatever they 'd like per my promissory note. This of course is untrue because I do have income based repayment options. That representative was wholly unprofessional and turned me off to wanting to work with them any further to resolve my bad debt. I told he rthat comment was unncessarry to have been made, that I know this debt is mine to pay but I need options. To which she responded, " I 'm just telling you the truth ''. It is hard enough to come to terms with the nearly {$100000.00} of student loan debt that I have with my measly income. The unwillingness and poor attitude of the call center representatives makes you feel demeaned and is just unproductive.
On XX/XX/XXXX, I attempted to pay the remaining principal balance on a {$55000.00} home-equity line of credit for a home I own. Nationstar/Mr. Cooper Mortgage received my HELOC loan from XXXX, who originated the loan. 

I was told I would not be allowed to pay the loan off in full unless I paid a {$2300.00} " escrow advance '' for force-placed hazard insurance with policy dates covering XX/XX/XXXX until XX/XX/XXXX. 

My HELOC maturity date is XXXX XXXX, XXXX. I was prepared to pay the outstanding principal, interest, and document fee ( {$55.00} ), but not the required total {$2300.00} for the force-placed insurance. 

A Nationstar/Mr. Cooper representative just told me I was mailed a notice about force-placed hazard insurance on XX/XX/XXXX, more than two weeks after the coverage I am being billed for supposedly began. The {$2300.00} coverage was force-placed by Nationstar/Mr. Cooper on XX/XX/XXXX. 

I was not told this {$2300.00} would be due at loan maturity. I was clearly not given adequate or timely notice, and I have been given only one option : take it or become delinquent. 

Nationstar/Mr. Cooper representatives inform me I can not pay off my HELOC unless I pay the {$2300.00}. I am a XXXX veteran of the United States XXXX XXXX XXXX, who served in numerous ground combat engagements in XXXX XXXX XXXX XXXX, and I am unable to pay the {$2300.00}. 

Nationstar/Mr. Cooper representatives have stated flatly the company will not work with me at all toward paying the balance. They said my account will become delinquent and I fear I may lose the home to foreclosure proceedings. 

The way Nationstar/Mr. Cooper has handled this seems highly unethical at best and is certainly poor business practice. This is demonstrably a predatory move to gain access to my property by a business with a long history of bad lending practice. This is a practice from which consumers need to be protected.
On XXXX/XXXX/15 at XXXX CT, XXXX XXXX XXXX left a XXXX second voicemail on my cell phone claiming a past due debt. The transcript of the voicemail is a follows : '' This message is for XXXX XXXX. If you are not XXXX XXXX, please hang-up or disconnect. If you are XXXX XXXX, please continue to listen to this message. There will be a three second pause in this message. By continuing to listen to this message, you acknowledge that you are XXXX XXXX. XXXX XXXX you should not allow anyone else to listen to this message because it contains personal and private information for you only. There will be a three second pause in this message. This is XXXX XXXX, a non-attorney collector at the law firm XXXX, XXXX. XXXX XXXX, this is an attempt to collect a debt and any information obtained will be used for that purpose. Please contact me at XXXX extension XXXX. " The collector did not state a past due amount or creditor. I have no past due amounts and am not delinquent on any payments. I understand that XXXX are in direct and deliberate violation of Federal and state consumer protection laws for failure to acknowledge any legitimate dispute and furnish documentation of the debt allegedly owed. I understand XXXX are in direct violation of Federal and state laws for intentionally misrepresenting jurisdiction of collection laws, for the sole purpose of attempting to disarm me of my consumer rights under Texas law. 

I would appreciate the Consumer Financial Protection Bureau 's assistance in resolving this matter.
On XXXX entered into an agreement with XXXX XXXX XXXX and XXXX XXXX XXXX involving student loan debt and forgiveness. The contact person with this agreement was XXXX XXXX/Enrollment Advisor, Ph XXXX, Fax # XXXX, address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. I have been unable to contact neither XXXX XXXX or XXXX XXXX XXXX over the past few weeks. I was notified by Navient, Department of Education Loan Servicing ( current holder of the loan ) that my loan was severely delinquent and that now the balance on my loan is in excess of {$4100.00} when the principal on my original loan back in XX/XX/XXXXwas less than {$20000.00}. Because I was pursuing further education I was under the assumption ( after speaking with XXXX XXXX XXXX and XXXX XXXX ) that there would be deferrment or forbearance of my loans as long as I was furthering my education. I do not dispute that fact that I need to repay my original loan amount. I just believe that I was severely mislead by this man and this fraudulent company regarding the repayment of my original loan. Also my credit has taken a huge hit since this has happened and I would like to set thing straight and get on with my life. This situation has devastated me and is hard to explain the impact that it has had on my life.
I have recently paid {$940.00} to Navient to keep my account out of collections. They told me I would be entered into a program with a lower monthly payment, but they are now telling me I need to pay an additional {$4000.00}. They will not refund any of the money that I 've paid in the last month and a half.
When Seterus took over as our lender after 17 years with XXXX Bank, they failed to send me a new escrow statement in XXXX XXXX. It was mailed to an individual that I do not know in a different city. I found this out just last month when a copy of the statement was provided to me from Seterus. I had expected a statement in the mail to my home address but never was sent XXXX. In XXXX XXXX, I called to find out how much I owed, and Seterus refused to tell me over the phone. I sent in a payment in XXXX XXXX for the amount that XXXX had previously told me to pay. After several letter writings to Seterus, we were finally told the correct amount to send in. We continue to not receive monthly statements from Seterus and instead were told we could find this out over the phone. 
In XXXX XXXX, I sent in XXXX checks ( mortgage payment and additional escrow payment ) with instructions, all in the same envelope. Only the additional escrow check was cashed. After two months of letter writing and faxes to authorize the release of the other check for the mortgage payment, the check was still not cashed. This check was for a different amount than what was required as I wanted the escrow shortage divided over 12 months rather than 4 years. The total of the XXXX checks was more than the required monthly mortgage payment. I ended up putting a stop payment on the check in XXXX XXXX and issued a replacement check for the same amount written as what was written on the original check to Seterus for the XXXX XXXX mortgage. This check was cashed in XXXX XXXX. I am still receiving demands for more money from Seterus yet our mortgage is current. Because of a lack of monthly statements from Seterus, it is difficult to determine what is going on with checks that I send in to them. We are told different information each time we write to their correspondence address.
I am about to retire and can't open an on-line account with Social Security. The reason is the security questions are based on info supplied by I believe Experian. None of the info is mine. I thought is was XXXX and notified them. I got a confirmation number datedXXXX. But nothing was done. Tried many times submitting on-line. Nothing. Tried same with XXXX. Did get an email through and they gave me a case number on XXXX. Despite many online attempts nothing. I wrote you but think it didn't go through as site was acting up. I have no retail card or other charge cards. I have no auto loan. I have no student loan. I have no mortgage or refi on home. Both agencies report I have all of aforesaid. I am embarrassed to say but I was receiving food assistant from government for some that the period. I just want them to correct info in file and relay to SSA. In addition my home insurance is slightly higher as they use this incorrect info too.
Wells Fargo Auto Loan # XXXX I am the Administrator of the Estate. Loan is two years old and current as of date of death. The customer died on XX/XX/18 the XX/XX/XXXX payment was paid on time. 

Contact was made with Wells Fargo on XX/XX/XXXX. I was told hey would not speak with me until they had a death certificate and a Court Order appointing me as Administrator of the estate. 

The case was filed in Probate Court and a hearing scheduled for XXXX. The appointment was made and certified COURT ORDER along with a CERIFIED Death certificate was emailed to Wells Fargo on XXXX. 
Another call was placed on XX/XX/18 I was told they did not received my initial email after a two hour run around between four departments and numerous rude people SCREAMING AT ME, none of these employees would provide any information as to how to pay the loan off and get the lien release to clear the title. 


A second email was sent on XX/XX/18 with above requested documents along with a request for instructions on how to payoff the loan and have Wells Fargo send a lien release. I was sent to a department called " The Customer Assistance Team '' a girl who identified herself as XXXX got rather rude with what I considered a routine request as yelled at me That I would not control the conversation. 


Realizing that conversation was going to go nowhere and being worn out now from about ten hours either on hold or being yelled at and transferred amongst departments I asked to speak to the president of the bank I was then hung up on. 


On the evening of XX/XX/18 I heard a strange noise in my garage. Upon investigating the noise thinking it was a thief I found myself pointing my XXXX XXXX XXXX at a Wells Fargo agent who said he was there to steal the car. He made a very sound decision and left my property.
XXXX and Nelnet keep adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. First of all they do n't have my correct contact information and I was not able to be notified in XXXX and XXXX. I fax information over to them about my forbearance and I was told that it was never received. I have copies of my fax receipt were it was sent over. Several late payment was placed on my account because of this.
Upon receiving the right to dispute, I sent a letter certified mail within the 30 day period asking to verify the debt. I received no communication from the company and the debit was added to my credit rating, thus bringing down my credit score.
XXXX held a XXXX mortgage on our home, release the lien and sold the debt when the home went into foreclosure by the XXXX mortgage holder. XXXX then sold the debt to Green Tree Financial, which I now know are, aka XXXX XXXX XXXX XXXX XXXX, aka DITECH Financial LLC. 
XXXX and Green Tree were both notified of the bankruptcy filing. Since that time I 've starting getting collection letters from Ditech, which is same parent company. I called and gave them the bankruptcy case number and the lawyers phone number, The ' XXXX '' who would n't give his agent # or other ID, was very nasty in telling me that they could contact me all they wanted by mail unless I sent them a letter telling them not to. I re-explained the bankruptcy filing to him, but he was rude again. 
Now the bankruptcy was discharged on Monday XXXX XXXX, and on Friday the XXXX I received another collection letter.. BUT it 's dated XXXX XXXX Odd that, and the envelope has no postmark date.