WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX my husband was killed in the military, leaving our daughter and I, I used his life insurance to buy a house for us. I was the victim of predatory lending, the company that did my mortgage is under federal indictment and all the people doing loans there are in jail. They forged my signature on documents and lied about me having a job and the rates and terms i agreed to changed on the final documents. in XXXX my daughter was XXXX and I had to close down XXXX that I had opened the previous year and lost all my investment. The mortgage company at the time : XXXX, illegally foreclosed on me and I got a judgement in my favor. I then applied for a modification and kept getting denied for lack of paperwork. Finally I had all the paperwork right and they sold the loan to XXXX. Went through the whole process with XXXX for literally years. Constantly having an issue with something in my loan modification packet. Finally got it all done and it went to the underwriters and a couple of weeks later they told me " it all looks good, just doing some final package information '' then they sold my loan to Nationstar. In the mean time I am not allowed to make payment and fees and late charges etc. are over {$100000.00}. My original loan amount was {$630000.00} and now my statement is saying my original loan amount is {$700000.00}. Nationstar makes me go through the whole process again, I keep having paperwork issues, they have XXXX different files on me and my paperwork was n't being sent to XXXX, so they could never find it all. I have requested my phone and e-mail to receive a copy of all the fees and charges on my loan and a copy of the original deed and they have all said, yes they will send it and I have never received anything.. as of today, I have been denied a modification again, based on income and they did n't have my income correct when I asked, they say I owe {$400000.00} on top of my {$700000.00} which was originally {$630000.00}. Without being able to afford a lawyer, I have no way to get them to give me the information I need and no way to hold the Banks and the lender accountable. This is the only home my daughter has lived in and she needs consistency, my only financial security was my investment in this house and took all of my husbands life insurance.
Harassing phone calls from well Fargo mortgage on a dealer system after telling them numerous times that i do not want my cell phone on the dialer .... It is XX/XX/XXXX which my payment is due on the first not even past my due date and I have gotten 12 calls this month already Not to mention the payment that was proceeded thru my checking with out authorization
Due to a depositing error, a check was returned due to non-sufficient funds from my account. However, PNC Bank is trying to double charge me a XXXX fees. XXXX for non-sufficient funds and XXXX for overdraft. Only XXXX of the fees is appropriate. The other is inappropriate.
On XX/XX/2018 - I received a robo call from the debt collection company identifying as XXXX although XXXX appears to have sold the debt to JTM Capital Management , LLC and would be handling the matter as of XX/XX/2018. XXXX claims to have received my information on XX/XX/2018. After following the prompts and trying to figure out why I was being called, the representative XXXX called and told me to " cut the attitude '' mind you, this is an unsolicited call to my job by people trying to verify who I am but called me. She was rude and said ( since I have an attitude ) " blah, blah, blah, we'll just continue to call you at work! '' She then hung up on me, called back from a blocked number and just proceeded to breath into the phone and not say anything. This is in direct violation of 15 USC 1692d Sec. 806 ( 5 ) of the FDCPA. I called the number from the initial phone call XXXX and spoke with XXXX XXXX, who told me to " focus and get back to the basics '' she said JTM was seeking a judgement against me and they were trying to settle the debt. I have received no correspondence from JTM indicated there is a judgement. I explained to XXXX that I am aware of my rights and work for a law firm and the sheer fact that she is mentioning a judgement ( without an actual judgment in place ) is in violation of the 15 USC 1692e Section 807 ( 13 ), which states " the false representation or implication that documents are legal process. '' She stated " it's not harassing, I've been a debt collector for 16 years. How long have you been a debt collector? '' At that point, I had enough of the harassment and hung up.
My mortgage is with BSI Financial. They claim I am behind XXXX payment on my mortgage. However, they refuse to take my calls. My so called " agent '' handling my affairs is either quitting, unavailable, or on the other line. I have had XXXX agents assigned to me since XXXX 2015 ; The XXXX was XXXX, who never would return a call. XXXX was XXXX XXXX, who cold called me XXXX to collect but would never again be heard from. Now, I have been assigned to a XXXX XXXX, who is following suit. XXXX have quit, so they claim, the XXXX will not return my calls or give me written proof of their claim against me. 

Also, there is a middle manager, XXXX XXXX, who I spoke with some XXXX ago. She said I have not fallen behind and that the clerical error was in fact BSI fault. She also told me over the phone that she would wave all fees associated and that I was in good standing. Unfortunately she did no such thing. The fees and everything persist. 

I called this week and a XXXX answered the phone. He claims that he has never even seen XXXX, that she does not take calls from customers, he even told me that she has no phone extension. He was very defensive and rushed me off the phone. 

Yesterday ( XXXX XXXX ), I left a message for XXXX @ XXXX and heard nothing. So I called XXXX and spoke with XXXX XXXX and she contacted BSI. At XXXX ( BSI closes @ XXXX ), XXXX calls but I am unable to answer, not to mention I did n't expect a return call at closing. I immediately called back, but she does n't respond. Called her again XXXX XXXX at XXXX ... nothing. 

I have begged for months for these people to simply give me, in writing, a legible printout of where I have missed a payment. I have begged for someone to contact me and simply discuss the matter. XXXX minutes would do. 

There are easily found sites where people have made similar complaints. BSI Financial is running a scam. They are simply scamming people out of thousands of dollars using intimidation and threatening to ruin credit, harassing phone calls, etc. 

http : //www.consumeraffairs.com/finance/bsi_financial_services.htmlhttp : XXXX : XXXX
I recieved a notice in the mail off a debt of {$7300.00} dollars with my name on it from this Company in XX/XX/XXXX which I have no Knowledge of. When I decided to look into it I noticed that the Companies name was on all three of my credit reports. I do remember disputing this matter earlier in XXXX with all 3 credit bureaus but the account still remains on my reports. XX/XX/XXXX I sent the company a letter asking them to validate this account they never responded to my request. XX/XX/XXXX I decided to dispute it again with the with XXXX, XXXX and XXXX   only to have this account remain on my report without changes. XX/XX/XXXX I emailed this company with the same request for validation of this account thinking I would get a response from them this time on the matter. With no response from the mailed letter and email, I decided to send a second email to them of the same request. This time they responded to me stating that they will contact me after they do a investagation which I think was just said to get me to stop sending my request for validation. I been trying do get answers for a year now by myself but to this day this account have not been validated to me with any documentation.
This account is listed on my credit report as being opened on XXXX/XXXX/2017, for {$450.00}. i did not authorize any purchases to this company ( XXXX ) and this debt collection agency is not licensed in my state to collect this debt.
I discharged the alleged debt with Maryland State Comptroller by sending several negotiable instruments and according to UCC3-603 once a debt says that if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. <P/>My letters are asking for pertinent information that they would not answer according to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) and 15 USC 1692 ( g-j ). I also asked about the original contract and original signature with them along with buying the debt for pennies on the dollar from Maryland State Comptroller. The alleged debt they bought it for {$440.00} and it became {$460.00} and reduced it to {$49.00}. How is that possible? <P/>Therefore, I am filing a complaint with your agency against Penn Credit, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX.
Debit owed to IRS was paid in full with 2016 tax return refund. Refund was taken directly by IRS. They did not report it paid.
DATE : XX/XX/2018, LOAN AMOUNT {$1300.00} AND {$2000.00} THIS LOAN SHOULD HAVE BEEN A XXXX BALANCE. THIS LOAN WAS ALSO TRANSFER TO ANOTHER LENDER ( XXXX ) WHICH I AM ALREADY MAKING PAYMENTS TO
I have never been able to get a copy of my free credit report. I have to either purchase some form of fake credit protection, WHICH IS A MAJOR LAUGH, or I have to tell XXXX XXXX what is exactly on my credit report. Experian is always down and not function. All I want to do is get my free credit reports which I am entitled to by law and I want the right to print out my credit report. 

IT IS DUE TO THE ACTIONS OF THE CEOS OF THE CREDIT REPORTING AGENCIES THAT ALLOWED THE BREACHES TO HAPPEN. WE THE VICTIMS SHOULD NOT HAVE TO CONSTANTLY PAY FOR WHEN THE CEOS PLAY. 

I absolutely refuse to provide a copy of my drivers license or social security card or some other form of identification to prove who I am. These credit reporting companies should be investigated under the RICO statute due to the roadblocks they put up to keep the consumers from cleaning up the credit reporting agencies mess they created. 

I am a victim of identity theft already, so what more damage can be done to my credit report if I do not provide proof of my identity. I should not have to tell XXXX XXXX what the XXXX is on my credit report since I don't know what is on it. I will say this and stay by what I am about to say. XXXX HAS MORE CREDIBILITY THAN THE THREE BIG CREDIT REPORTING AGENCIES. 

Click on this link and see what me and millions of people have to go through with the Credit Reporting Agency scams. 

XXXX XXXX XXXX
The debt was charged off as a profit and loss cross collateralizion of home equity line of credit and a credit card in 2008. XXXX XXXX XXXX XXXX hired the firm of Mark Kirosky to file a judgment. The debt originated when I lived in XXXX. I was sued after I moved to XXXX. I have been a XXXX residents for 7 years and the law office of Mark Kirosky continues to send writ of garnishments to all of my employers. Every employer has interpretated the withholding in XXXX differently based on whether or not they have offices in XXXX. Even though I live and work in XXXX. XXXX XXXX allowed my wages to be garnished. However XXXX XXXX XXXX has not. My company got bought out by XXXX XXXX XXXX based out of XXXX. However I still work and live in XXXX. I spoke to my new HR admin about my situation and she is researching on whether my wages can be garnished or not. However XXXX law prohibits this practice. But my employer may not want to be involved in this matter and take the path of least resistance and allow the garnishment. 
Also Mark Kirkorsky office pulls my credit every 60 days. They continue to re-age my debt even though I have made no contact or any payments. They have been unscrupulous and send legal documents monthly. They do not have the right to garnish my wages in XXXX for an unsecured consumer debt. They can not falsely report payments and delinquent payments to re-age my debt with credit reporting agencies.
XXXX XXXX XXXX CLOSED DUE TO ILLEGAL PREDATORY LENDING PRACTICES. THERE ONE OR MORE EDUCATION LOANS APPEARING ON MY CREDIT REPORT Date Closed XXXX/XXXX/2010
When applying for or renewing income based repayment, for the last ten years, I was always forced to use a one month forbearance first. This resulted in capitalized interest increasing my interest charges. As interest is now being paid as principal, it has also increased my tax liability. I was not able to claim the interest payments made as a tax deduction. Also, my last IBR renewal was denied by Navient while it was approved by XXXX.
I have been in contact with Wells Fargo regarding my XXXX credit card incorrect information being reported to the credit bureaus. I had contacted them for the 7th time via phone this afternoon regarding inaccurate balance being reported with the credit bureaus a late fee of {$27.00} that was in accurately charge to my account and which I have never been late on any of the two payments that have only been made since acquiring my XXXX   credit card. I also have made two payments in the months of XXXX and XXXX and which XXXX  Wells Fargo shows payments in XXXX and XXXX which is an accurate report filed. Wells Fargo admitted it was a bank error and would submit a positive report so it may reflect positive changes with my FICO score since losing over 40 points due to the constant and accurate reporting by Wells Fargo regarding my XXXX  credit card.
Modification paperwork was submitted, and we were told not to make payments during the modification process. We submitted documentation for the loan modification at least three times. XX/XX/XXXX, we received notice asking for two most recent pay stubs and YTD income for each job. On XX/XX/2014 we received notice from Ocwen that pay stubs for borrower one were not legible. The letter also indicated that a complete package for the modification must be received by XX/XX/2014, or a new loan modification would need to be submitted. XX/XX/XXXX, XXXX, and XXXX 2014 we received to notices requesting us to submit borrower 's one pay stubs. The pay stubs including all paperwork was submitted again. XX/XX/2014, we received a letter from Ocwen stating that the application was accepted. If more documentation would be needed, we would be notified in 5 days. XX/XX/2014, we received another letter stating that the application had been received. We would be notified within 5 days if more documentation would be needed. XX/XX/2014 foreclosure documents were delivered by the county sheriff 's department. We were given 7 days to vacate because the home was foreclosed.
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED  XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account Number # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX  XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Acciunt # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, NE XXXX BYMAILONLY XXXX   Account # XXXX Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY
The loan date is back in  XXXX , and last activity on that loan on my part was in  XXXX . The loan company is located in Maryland, and the loan was taken out in Washington state. The place contacting me is out of  XXXX , IL named  ARA (    Asset Recovery Associates ).
I went to    XXXX   XXXX   XXXX   XXXX   (    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,     CA - Ph. no  XXXX  ) for minor filing services  o  n   XXXX   XXXX    2017.  I provided my insurance information and paid the patient share via debit card on same. They still   submitted an application for 'Care Credit ' without my authorization. I disputed the claim through '  XXXX   ' and also contacted the Care Credit 's finance department to have this inquiry removed. I have not received any response from Care Credit department regarding removing the inquiry. As the   XXXX   XXXX   office also over billed me for {$900.00}, I went to their office again  on   XXXX   XXXX    2017 t     o ha ve  the am ounts removed. They acknowledged the error and told me the charges would be removed. To my surprise, they ran another credit check and I received a second alert from  XXXX  that another credit application was applied under my name. I have contact both Care Credit department and   XXXX   XXXX   office multiple times. They always acknowledge the error, since they have absolutely no proof of my authorization, yet they never send me any documents that would help me remove these in quires from my account.
I filed a dispute with XXXX about account number XXXX reported by the XXXX XXXX XXXX XXXX.in a amount of {$880.00}. I told XXXX that I dont owe any money to the company reporting this Item and I want this to be out of my credit report because it is negatively impacting my score and my credit. I attached all the proof that I do n't owe any money to XXXX XXXX XXXX XXXX
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. )  XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. )  XXXX XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Ditech is holding {$160000.00} of the insurance companies money. It belongs to me and to my contractor so he can repair my home from a fire that occurred in XX/XX/2018. Ditech has had the money for months which they insist I sign and endorse my part of the check so they could cash it. Now they are keeping it and won't give it to my contractor who has been paying for everything since XX/XX/XXXX. How is this allowed to happen. Ditech is the worst mortgage company on the planet and nothing is ever done about it. Why? I have filed other complaints on them and they are not required to respond and they just go on providing pathetic service, keeping money that doesn't belong to them, and they also don't allow you to pay additional monies prior to the due date online on their website without displaying incorrect loan information. Now Ditech is holding up the process of rebuilding my home and I am almost out of additional living expense and I need to move back to my home asap. I hope someone can help. I also owe very little on my home, approximately XXXX and it is worth over XXXX. Why is Ditech holding onto money that doesn't belong to them when I own the vast majority of my home. Why are these rich companies allowed to take advantage of consumers on a daily basis? Just another example of what goes on in America with no consequence for their actions. I am forced to move the remaining loan balance to another lender immediately in an effort to get away from Ditech. In my personal opinion and experience I consider Ditech a predator. I will never have another mortgage in this lifetime. I am tired of not having any rights and be treated unfairly. It's very unsettling and disappointing. I thought America was better than that but maybe not ...
On XX/XX/2016, while reviewing one of my credit bureau reports I noted an inquiry from American Express ( AMEX ) in category of requests that I had initiated. After speaking with XXXX AMEX customer services reps, I was able to speak with a fraud specialist. I was told an account had been open in my name on XX/XX/XXXX. and sent to an address in XXXX. I have the agents ID if needed. In any case I was told an investigation would be open and I would not be responsible for any charges. I would also receive a letter saying same and credit bureaus would be informed. I questioned sending a card to XXXX when the record clearly says I reside in XXXX and have for twelve years. The agent told me they pay no attention to the address. Wow! No wonder Identity theft is so wide spread when companies make it so easy for the thieves.