WillisBack/dataset-financial-user-claim huggingface dataset:
I had applied for a modification on my property and have received more than  XXXX  modifications in the pa st 7 + ye ars. I had applied 1 year ago and the process took the whole year to give an answer. In the meantime m y Condo Association has  filed to foreclose on my Condo for past due fees. In NJ there can go ahead of the First Mortgage. In  XXXX  of  XXXX  I filled a Chapter  XXXX  Bankruptcy. I was asked by my mortgage company to continue submitting documents to hopefully get another modification. Since filing for the Chapter  XXXX  bankruptcy there have asked for documents in many many different forms that were very strange. They wanted proof of income but in  XXXX   XXXX  they told me a  XXXX  was not proof of income. I was in the mortgage business 20 years ago and could not believe this was true. I did finally send an acceptable document and then they rejected my application but failed to send anything in writing to me or my attorney ( They have said many times they had sent documents. Never. ) I was told to apply again but The response which was also not sent was that that they could " not lower my payment by 20 % and therefore I was rejected  ''. ( This only took 2 weeks. ) I  spoke with my mortgage rep at the mortgage company and he was able to email me the letter. I then read my local newspaper  XXXX    XXXX   XXXX    XXXX  and saw that you are suin g Ocwen Loan Servicing a nd that is my mortgage company. I also have had a add-on of property insurance and it took, me 18 months of fighting and just  3  week ago they agreed I was right and credited the money back to my escrow account. I can not get a copy of my escrow to see if there are any other add-ons that need correcting. I do n't know what can be done but this company will not talk to me. or my attorney. I am a recovered  XXXX   XXXX   XXXX  patient. My health is doing very well. I have been able to increase my income and I was told that was the reason for the last modification denial. Now the reason has changed. I do n't understand there current reason and do not know what to do to save my home. My chapter  XXXX  may be able to work but Ocwen 's reason is the modification denial is making that impossible. When I read the newspaper article I thought I should contact you for your help.
I have reached out to the company on several occasions advising them I was a victim of a crime and provided the company with the Attorney General Office- Bureau of Victim COmpensation for ref : Bureau of Victim COmpensation XXXX , XXXX XXXX XXXXXXXX , FL XXXX Victim : XXXX XXXX XXXX ( self ) BVC Analyst : XXXX XXXX Claim number : XXXX XXXX Crime Date : XX/XX/XXXX this company has yet to remove this report from my credit file. my most recent attempt in XX/XX/XXXX for them to remove the inaccuracy has been ignored
I received phone message from company looking for me with maiden name. I tried calling the company back and phone rang and rang for over 10 minutes with no answer or company voicemail. I called the next day and spoke with a woman from the company. She claims she represents a debt collection company ( NPGLLC ) and they are trying to reclaim a loan that was taken out in XXXX under the name " XXXX XXXX '' ( I was legally married XXXX and my name was legally changed in XXXX ). The woman states loan was deposited to XXXX checking account ending in XXXX by a company called XXXX XXXX. They also claimed I worked for a previous employer at the time of the loan. When I asked the woman to speak more slowly as I was trying to write down what she was saying, the woman became flustered and rude. The company claims that I took a loan out for {$300.00} and now the balance is {$710.00} but if I paid today it would be settled for {$400.00}. I told the woman I felt that I was being scammed and that I was disputing this claim and that I needed to contact the proper authorities. I asked her if this claim was valid, why has it never shown on my credit report and she claimed that it was because small amounts from payday loans do not reflect on a persons credit report. I know for a fact this is false. She told me that if I did n't pay now I 'd lose the opportunity to save the additional money for repayment. I asked for all documentation regarding this claim and she would not mail it to my home, but only would email it to me. ( see attached ). I called XXXX bank, they confirm I did have a checking account ending in that number, but that account was closed XXXX so it could not have been used. NPGLLC has called my husband and father in law and left them threatening messages. I have confirmed with the FCC that this is indeed a known scam and I wish to file a formal claim.
There are several medical collections listed which have no name on them and I have disputed with nothing being received as far as validation, these are inaccurate and I want them removed
In regards to my complaint number XXXX, I haven't had the chance to respond. 
First, experian said that 2 of those account are not reporting at all, if so please clarify which 2 accounts, as I see 4 accounts reporting.

Second, based on the FCRA if one is a victim of fraud a CRA is then allowed " ONLY THEN '' to not only remove the fraudulent account but has a legal obligation to also BLOCK THE CREDITOR from reporting it!! 

Third, you mentioned you verified that it's accurate. We'll if so please describe what it is that you verified, and what's your description of Identity theft is? OF COURSE THESE CREDITORS RESPONDED WITH STATEMENTS SHOWING IT'S ACCURATE, AND I BELEIVE 100 % THAT THESE ACCOUNTS WERE REALLY OPENED ON MY NAME, ADDRESS, SOCIAL, AND DATE OF BIRTH!!!! 
WHAT DO YOU THINK THEFTS DO??? 

YOU THINK THEFT ARE THAT STUPID, AND YOU THINK BANKS ARE THAT STUPID TO OPEN AN ACCOUNT IF NOT ALL INFORMATION MATCHES. 

BASED ON THE FTC, 90 % OF PEOPLE FIND OUT THEY ARE VICTIMS OF IDENTITY THEFT MORE THAN A YEAR LATER. 

I WILL BE FILING A SEPARATE COMPLAINT REQUESTING PROOF OF THE 2 ADDRESSES WHICH ARE REPORTING IN MY REPORT AND HAS ABSOLUTELY NOTHING TO DO WITH ME. FURTHER WILL I INCLUDE IN THE COMPLAINT HOW YOU WERE ABLE TO GET 3 NAMES ON MY REPORT, AND I WILL ATTACH PROOF THAT YOU RESPONDED MORE THAN 30 DAYS LATER AMONG, OTHER VIOLATIONS.
My Husband and I have she 'll point mortgage as our lender ... we were switched over from XXXX XXXX..they have XXXX our loan so many times and stated we were behind on our loan ... you can never talk to a live person you leave a message and they will call you back within 48 hrs ... ... so un professionally
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for XXXX XXXX XXXX license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. XXXX XXXX XXXX does not have a VALID license in the state of TENNESSEE. Their license expired in XXXX XXXX, 2016. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 )  Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. XXXX XXXX XXXX is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
I have told them repeatedly to stop calling my employer, they continue to call and are verbally abusive
Dear representative, THIS IS NOT A DUPLICATE COMPLAINT. This complaint is brought forth with new and previously unaddressed evidence. The PayPal representative who initiated a transfer of funds from my account into a family member 's linked negative account assured me that my accounts would be granted full access once the negative balance was resolved. To have this key point unaddressed after over {$300.00} was transferred from my account is nothing short of fraudulent from PayPal. I am requesting for the remainder of the balance on my account XXXX be made available for immediate withdrawal and for full access to be granted to all my accounts ( information detailed below ). I was made a promise by a company representative which was not upheld.
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To summarize, I possess three PayPal accounts ; Account A ( XXXX ), Account B ( XXXX ), and Account C ( XXXX ).
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Quoted from a previous response : " Due to your engagement in a restricted activity, we are not overturning the limitations on Accounts A, B and C. '' The restricted activity was defined as creating new or additional PayPal accounts in order to circumvent a negative balance or limited account. My first two accounts ( Accounts A and B ) were both permanently limited due to a linked family member 's account which had a negative balance ( XXXX ).
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To resolve this issue, I opened a new PayPal account ( XXXX ), and called PayPal assets recovery to initiate a transfer from that new account to the family member 's account with a negative balance. Records will show that a successful transfer was made. In fact, the PayPal representative who made the transfer assured me that my accounts will be restored access once the transfer was complete. To subsequently have my complaints not be addressed after this transfer is nothing short of fraudulent.
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This new account was made with the good intention of resolving that negative balance. I was not intentionally trying to violate PayPal 's User Agreement or participate in a restricted activity. I was attempting to resolve the family member 's negative balance as soon as possible, and this creation of this account ( XXXX ) was in good faith.
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I have already outlined the reasons why my business is n't high risk, carefully detailed in complaint XXXX.
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I am requesting that my accounts ( XXXX, XXXX, and XXXX ) be restored full access. I also request that the current balance which is held on my account ( XXXX ) be made available for immediate withdrawal. I comply with PayPal 's User Agreement, and would never compromise that trust. As detailed above, the third account was created with the sole good intention of resolving a negative balance on a family member 's account. {$300.00} was transferred from my account to the family member 's account to correct the negative balance.
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Thank you for your time and consideration, and do not hesitate to contact me if any questions arise.
ACCOUNT Number  XXXX  Credit file confirmation  XXXX   XXXX   XXXX  knowingly reported correct dates to keep an item on my credit report.  <P/> The account is over 8 years without payments or activity other than the reports of payments for {$0.00} that were never made.  <P/>  XXXX   XXXX  reports that I have made payments in the amount of {$0.00} to keep this old account active.  <P/> They used in incorrect date of first delinquency of over three years after the actual date.
We have been trying to work with OCWEN mortgage company on reversing our mortgages back to an interest only payment on our rentals properties. We have followed all their requests filled out a huge package of forms and were declined. We have XXXX mortgages with this company and have made consistent payments for 10 yrs.. The mortgages reverted to a principal and interest recently, and we can not afford to make the principal and interest payment. It seems like a simple procedure, but yet no one is willing to help us keep our properties, which were purchased as an investment property for our kids education. This company has also been sharing our information with adjacent neighbors in the area. Is n't this in violation of some federal laws? We are happy to provide any information necessary to resolve our issues. This company has been nothing but uncooperative and rude.
I received the Florida Hardest Hit assistance in XXXX XXXX and FHH paid my mortgage comany XXXX partial arrears of XXXX and my monthly mortgage for one year until XXXX XXXX. During this peroid I have been unable to work out a plan to resolve the outstanding arrears of {$8800.00}. I am now able to pay the monthly payment and resolve the arrears within one year. Bayview/XXXX failed to dismiss my foreclosure proceedings and have not moved to reschedule the hearing for XXXX XXXX. This foreclosure proceedings should have been dismissed upon receipt of funds from FHH. In sum, Bayview/XXXX have received approximately XXXX during the last year and are still moving forward with foreclosure proceedings. These actions are not consistent with the FHH program and fail to demonstrate good faith or the intent of the FHH program. In addition, I provided quarterly reports to my FHH agent detailing my inability to resolve outstanding issues with the mortgage company. Documents detailing my efforts can be provided upon request.
I got locked out of my online account because entered the wrong answer to the security question. There was no way to change fix this online and my only option was to call Citi. I called their general business card line and after clicking the option to speak with a customer service representative I was placed on hold for 40 minutes. I called the Government line ( GSA line ) and reached a customer service representative within 5 minutes. She told me that I would need to speak with another customer service rep to get my account fixed and i was forwarded to a different department. I have been on hold for 17 minutes so far and have no expectation of speaking with someone soon. This is absurd! This is a government issued card, i did not choose citi on my own. I need to see my card balance so I can pay it, but Cit has wasted one full hour of my  time already. 

Despite the wait time, my biggest complaint is that there is no way to complain to the firm directly on their website or on their contact page. There is not email provided, only a phone number which has a wait time that will exhaust most customers who want to complain. Citi management needs to be made aware of this problem but I have no means of reaching them.
There is a phone bill for XXXX XXXX on my credit report that was never opened. Its been there for years and has hurt my credit and ability to get credit. I have disputed it 4 times, called the collection agency 2 or 3 times. Called XXXX who verified the account was never executed.
My home is under foreclosure and a short sale has been in place since XXXX XXXX, 2015. We are dealing with a negotiator at Caliber Home Loans who changes her mind weekly about accepting or not accepting an offer. We have a XXXX lien which is requesting a specific amount of the loan to be paid towards them. Caliber previously agreed to paying them from the short sale and now is forcing us to use our relocation fees to pay for this XXXX lien. 

Meanwhile, another motion has been filed by Caliber to proceed with foreclosure. We can not seem to get this finalized once and for all. Our realtor has done all he can to work with Caliber on a resolution but to no avail. 

This process has been more than emotionally draining and frustrating. We are trying to avoid foreclosure and it does n't seem Caliber wants to cooperate and this particular negotiator seems to be the problem.
On about XX/XX/XXXX and XX/XX/XXXX, monies were electronically sent to American Express Company ( AMEX ) by XXXX XXXX XXXX. These monies were sent back to be applied against a personal loan I had taken with AMEX. There were two separate transfers made : {$350.00} on XX/XX/XXXX - Reference Trace Number : XXXX {$10000.00} on XX/XX/XXXX - Reference Trace Number : XXXX AMEX has verbally acknowledged receipt of these funds and has been agreeing to credit any interest that may be accruing for the amount of the funds returned i.e. they don't want me to be responsible for paying interest on funds that have been returned and received by them. While this is being done, they still have not applied the returned monies to my outstanding loan balance. This is placing a burden upon me as I still do not have use of the funds as originally intended ; I can not apply for a new loan until this loan has been paid off AND it is restricting my access to money from others as this is showing as an outstanding loan of {$15000.00} +/- on my credit report, adversely affecting my credit score. I have spoken to a XXXX ( Employee Badge # XXXX and XXXX both " supervisors '' in their personal loan department several times to no avail. While they have been polite and have acknowledged the frustration surrounding this matter, both on their part and mine. They seem to be struggling to get answers on their end! 
I just spoke to XXXX again yesterday AND once again informed me that he is still waiting for another department within AMEX to " manually apply '' these funds against the balance on my account. He once again shared his frustration over the fact that this still had not been done despite my repeated called and entreaties to him and AMEX. He has told me that he has elevated this matter in terms of importance BUT still no resolution. I am unable to speak to anyone else within AMEX to obtain a resolution. I would like the returned funds totaling {$11000.00} to be applied to my account ASAP! Thank you, XXXX XXXX XXXX
I called the company to request the account closed and a final bill to be sent. I was never late on my payments. They left the account open and charged late fees. I called back twice and was assured that the account would be closed by my request, late fees removed, and sent the payoff balance. To my dismay after I paid my bill with one payment in full they took my payment and update my account with the creditors a negative collection closing by their request instead of by the true accurance that I requested closed, paid my bill in full and was never late.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, VA XXXX CAPITAL ONE BANK XXXX XXXX. 


To Whom It May Concern : This letter is in response to your phone call on dated XX/XX/2018, concerning the above-referenced account number. 

I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. 
Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. I demand you " Remove this from my credit report within 30 days or I shall seek justice in the court room, Or contact XXXX, XXXX  and XXXX that this account falls under California statatue of limitations, This debt has expired and you are being asked to remove this from my credit report. 

XXXX Pacific standard time XX/XX/2018 - Letter sent Sincerely, XXXX XXXX
Vally Credit never sent validation of the debt and erroneously marked my credit for a bill i do not oweThe bill is a sewer bill from a residence I moved out of in XXXX of 2014. I canceled my service and the City of XXXX made no effort to contact me. I put in a change of address and no mail has been forwarded. 

I just checked the City of XXXX 's website and my cell phone is still on file. The city has never called me nor has the agency. 

No efforts have been made to communicate with me and the agency is violating the FDCPA and the FCRA.
I first found the collection company reporting on my XXXX credit report. I disputed it with XXXX on XXXX XXXX, XXXX. After they did not resolve the issue, I contacted Phoenix Financial Services on XXXX XXXX, XXXX and asked them to validate the debt they claim that I owe. I have been having trouble with insurance companies double billing me for services in part because I had two health insurance companies that had to coordinate. I have not received validation of this debt but it is still reporting on my XXXX  Report. I am requesting that Phoenix be removed from my XXXX  credit report.
Nationwide recovery systems has called me several times concerning a debt for a XXXX XXXX ( XXXX, I do n't know the name of the person ). I have asked them several times to remove my phone number from their systems because she does not own the phone number that they have been calling and has not had it for several years. These calls come several times and each time I have demanded that they remove the number from their system, they have yet to do so. Most recent contact was XX/XX/XXXX at XXXX XXXX Central Time. I have never owed them any money and I am tired of receiving their calls for someone whose debt is owed to them. I am filing this complaint to see what can be done to get them to stop calling my number.
On XX/XX/18, Capital One charged me an annual fee for the upcoming year so I requested my credit card to be downgraded on that very day, only moments after being charged the fee. They said that they can not issue a refund because I am not eligible for a waiver and the system does not allow refunds to be issued. I explained to them that Ive been a customer for several years and if the fee is for the upcoming year, then it is not right for me to be charged when I will not be using their services or benefits. In other words, what am I paying for? Capital One refused to refund the money and essentially took my money for nothing in return.
On XXXX. I called and said I wanted to voluntarily surrender my car due to high repair expenses and high payment, and moving out of state and car would not make the trip.i was sent a form to fill out and send back, did that 2 weeks later was told they couldnt except that form and had to do another ( no explaination as why ) filled out second one and mailed back. 2 weeks later was told couldnt except that one, filled out another and faxed back, finally excepted. Told them car had to be picked up by XX/XX/XXXX as house sold and was closing date, I had already left for a different state. XX/XX/XXXX was called by realtor told car was still there buyer wouldnt close if car wasnt moved, had friend go get and take to his house. Explained car could be picked up any day after 5. Kept getting calls saying they couldnt pick up they refused to listen to instructions, it seems as if they were trying to stall, they then sent me a notification they were repossessing the car and went right away and grabbed it without the keys, they now listed on my credit report as repossessed and just called a few days ago asking for keys, can explain better with more space, it was a long drawn out process with many many phone calls. I also wanted to turn it in because Wells Fargo kept adding amounts to my monthly payment and I could never get an explanation, Id pay my payment and the next month Id owe a 100 more than payment and this went on until I was notified if my past due balance wasnt paid they would take action, my experience with Wells Fargo has been a serious nightmare
I have attempted for too long to get this matter figured out with the bank. They have played games and having been dragging this along for years now. I began my dispute on unauthorized fraudulent transactions immediately after they began. This bank has done nothing but continue to allow fraud.