WillisBack/dataset-financial-user-claim huggingface dataset:
I am trying to get my loan modified and Shellpoint has been asking for documents from me continually but refuses to cancel my sale date of XX/XX/XXXX.
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The requests being made daily are an attempt to keep me from having a " complete package '' and therefore, can not cancel my sale date.
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Since XX/XX/XXXX I started again with another " updated packet '' with their " lists '' of request to which I have always promptly submitted back only to have this process dragged out with a sale date pending.
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My compliant is that I am calling in on a daily basis to get the sale date cancelled only to be confronted with more ridiculous requests along with the fact that they take so long that my documents need to be updated, which I should not be penalized as not having documents in if they drag it out too long, but they have.
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For example, I have given Shellpoint Profit and Loss Statements for months now, and 3 times since XX/XX/XXXX only to be told today that they want me to subtract the Income from the Expenses and put totals under " net '', which they have always asked me not to in the past. They asked me to " write the date '' next to my signature even though the date was clearly typed at the top of an explanation letter to begin with. They have added requests before even looking at the documents I have sent in, then stating I have an incomplete file but after speaking to a representative can locate the documents by date and resolve most " incomplete '' issues, ( but its up to me to figure it out not Shellpoint ). The new " made up requests '' are impossible to guess and keep fulfilling. They wanted me to add XX/XX/XXXX to the XXXX form and then stated I put XX/XX/XXXX when in fact the XXXX was the line between the XX/XX/XXXX! Anything to allow them not to cancel the sale date which has gotten me so upset that I am filing a complaint.
I do not trust them and feel that their complete incompetence is setting me up to lose my home on XX/XX/XXXX. If I can not get them to accept my documents as " complete '' soon they will then deny me stating that I did n't get my documents in within 37 days before the sale date so I am very concerned. What are the " required documents '' that I need to have in to them that would qualify as a complete package, as they have had literally months and months of documents given to them but are never satisfied.
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Here is my basic package of what I have given them, many times over. But their added requests continue, plus change daily, plus expire as they take too long to process as completed, which is out of my control. They are DUAL TRACKING as I am trying to comply with all of their requests but I can not seem to ever arrive at a complete packet!
RMA XXXX DODD FRANK FORMS Household Expenses Hardship Letter Profit and Loss Statements Bank Statements ( personal, business checking and savings ) with the last one always well within 90 days current, with rental income circled, itemized, signed, dated, etc Mortgage statements Leases Letters of Explanation from HOA Fees, to rental deposits over {$1000.00}, to business income loss etc Taxes XXXX  and XXXX My Social Security Award Letter for XXXX
XXXX XXXX MORTGAGE LOAN IS ESCROWING insurance premiums when Insurance company informs me that I am poying monthly on the insurance premium.
The dispute process with XXXX began in XX/XX/2018. I sent a dispute letter certified with return receipt ( see attached ). XXXX  did not respond until XX/XX/2018 ( see attached letter ). This is unacceptable and a violation of consumer law. The response that was provided from them on the attached letter is a mere, arbitrary number that lacks veracity. In my request to them, I requested an agreement that stated their authority to collect on this alleged debt, date this alleged debt became payable, original delinquency date, as well as complete accounting of the alleged debt. XXXX failed to provide any of these. To date, they are currently reporting this entry on Transunion and it should not be reflected on my credit reports. My request is for this entry to be immediately DELETED from my credit reports and for Transunion to send a fully updated, current report to me that reflects this outcome.
1. Sometime early XX/XX/XXXX after moving to the USA from XXXX I lost connection to my online Chase accounts. I received letters from Chase concerning strange activities on the account but was unable to identify what these were until Chase sent me a detailed account in XX/XX/XXXX. It was then I noticed the suspicious activity ( deposits and expenses ) on both credit cards. 
2. Before sending the statement Chase had suspended the cards and I subsequently shredded the cards. 
3. I communicated in writing to Chase Credit Card Services about my concerns but they never replied. 
4. I never made the deposits or the expenses I have identified as fraudulent.

5. Having not worked since XX/XX/XXXX, when I resigned from the Federal Government, there is absolutely no way I could have made a deposit in the magnitude that is reflected on those credit card statements. 
6. A study of my purchasing pattern would also reveal that I have never made purchases in the magnitude reflected on those statements. 
7. I have had these cards for several years and I have never had a late payment on them, before this situation developed.
We have a very serious problem. We were just told that the above file was closed out rather than an extension being issued as requested on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX from my firm was told on the phone, on a recorded line that we were okay to close on the XX/XX/XXXX - a day after the approval letter expired. Friday the XX/XX/XXXX was a holiday and therefore did not count for the XXXX disclosure guidelines so we needed to close on the XX/XX/XXXX. 

We closed on the XX/XX/XXXX and the wire was then sent out and the attached documents were sent in to Ocwen. The deed was recorded, the buyer 's loan finalized - no rescission period in Maryland - so the loan has already been sold off to a new owner and then Ocwen returned the wire and asked that we change the XXXX to XX/XX/2016. This is a TRID violation so the title company would not back-date the XXXX after closing on the XX/XX/XXXX. 

I am filing this as a CFPB complaint. We are going to tell the title company to send back the wire as it should have been accepted the first time. Ocwen can not give us approval to close the day after on the XX/XX/XXXX and then a week later tell us that we could not close on the XX/XX/XXXX. This will be a title insurance issue and the buyers and the sellers will sue. 

This needs to be rectified XXXX. We can not re-submit the short sale package - Ocwen needs to do what they said they would do and honor the closing from the XX/XX/XXXX. I am sure that the recorded conversation from XX/XX/2016 can be subpoenaed if necessary.
I spoke with a representative named  XXXX  from  Midland Credit Management , Inc  on  XXXX   XXXX ,   XXXX  . I requested a Validation of Debt because as a consumer it is my right. Instead of honoring my request, the " supervisor '' got on the phone and started asking questions about why I would need that information. On  XXXX   XXXX ,   XXXX  , I sent a request for a Validation of Debt letter because I was disputing the debt. That information is stated in my letter. I sent the letter certified mail with a return receipt to the address provided on the back of the collections letter where it states to direct all disputes. I received my return receipt back with the date stamped  XXXX   XXXX ,   XXXX   signed by  XXXX   XXXX . I am still receiving collection calls up to  XXXX  calls a day. Some from unknown or unlisted numbers. Also during the call on  XXXX   XXXX ,   XXXX   the supervisor stated that if she did not get this matter resolved they would have to " forward this information over to their attorneys, '' which to me is threatening when she simply could have provided information as to where I could send my  XXXX  letter. I would also like to add that when the supervisor got on the line she did not state that she was on a recorded line. I did not record the phone conversation, but the call took place on  XXXX   XXXX ,   XXXX   at  XXXX  EST.
I started the short sale process in 2013. This is now my third time undergoing the short sale application and awaiting approval. My experience with US Bank 's service and the prolonged short sale process has been agony. 

I 've encountered many, many challenges in working with the bank for the short sale. The most recent issue was my case kept getting labeled as a deed-in-lieu instead of a short sale. This caused all my paperwork to expire and I had to complete the short sale application for the third time in XXXX of this year. During this laps in communication, US Bank also changed the locks on the property without my knowledge. As the prospective buyers attempted to view the property, they could n't get in! The prospective buyers were the persons who alerted me that the locks had been changed on the property. This is unacceptable. 

Repeatedly the relationship manager assigned to me has called me to give a status update of " your file is in processing ''. Years have gone by without any significant update on my case. As a result of this lackadaisical effort in getting the short sale processed, a THIRD buyer walk just away from the deal because of the difficulty of getting business done with US Bank. The offering price was {$11000.00} more than what the bank would have settled for. 

I am beyond frustrated and disturbed with the unorganized process in which this bank does business. I urge the consumer bureau to investigate the unethical handling of my case. Repeatedly, I 've requested to speak with a manager in this matter and I have been unsuccessful in my attempts. I am hopeful that the bureau will be able to get answers.
While reviewing my credit report, I noticed S.w Credit System L.p. reporting inaccurate unverified information on my credit report. I do not recognize this company. This inaccurate information is causing stress and loss of income.
Equifax continues to deliver incorrect data regarding the child support account balance is XXXX and payment history is nothing of what they say it is it is too close to cases and the children live with me. This kind of miss corrected information shouldve been taken off my credit report a long time ago along with payment history as there is no current account and the prior payments do not include what is called XXXX XXXX from the court. It is extremely detrimental and although I reached out many times to correct the problem it seems to continue. I have never missed A car payment on the Jeep through XXXX Get one page shows current and the other 30 days late Equifax needs to get their story straight.
XXXX KEPT COLLECTING ON THE TRADELINE OWNED BY XXXX AND THE TRADELINE IS STILL BEING REPORTED ON CLARITY, DP BUREAU, teletrack ETC.. 

XXXX
Per my attached XX/XX/XXXX, I addressed two issues to my local SunTrust Bank.

The first issue dealt with SunTrust 's check cashing procedures at the bank, which I addressed to the SunTrust Client Advocacy Office and received an appropriate response ( letter dated XX/XX/XXXX, attached ). It appears as though the tellers followed proper procedures and accepted checks written on a closed SunTrust account. The bottom line to this issue is that SunTrust does utilize safeguard business practices akin to other local banks, i.e. XXXX XXXX XXXX or XXXX XXXX, which would have easily prevented the checks presented from being deposited. 

The second issue which was poorly dealt with by SunTrust officials, was the lack of protection which SunTrust bank provided to me, when I presented fraudulent SunTrust checks to bank management. The two SunTrust checks which I had received were written on an account which had been closed sometime in XX/XX/XXXX. SunTrust was aware that the individual was writing these checks on a SunTrust closed account and : ( 1 ) took on no action to stop the fraudulent activity ; ( 2 ) took no action to protect my financial interest when I confronted management about the two fraudulent checks.

As you can see by the attached documents, the problem first started in XX/XX/XXXX. Since XX/XX/XXXX, I have worked these issues diligently with my local SunTrust bank senior official, the branch Manager, the regional bank representative and ultimately with the SunTrust Bank President ( see XX/XX/XXXX attached letter. ) As of the submission of this complaint, XX/XX/XXXX, I have heard nothing from my XX/XX/XXXX letter to the President.
has me listed on my credit report as being Late in XX/XX/XXXX. My payment for XX/XX/XXXX, was {$270.00} For my credit card. Which left a {$0.00} balance on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Credit Card as late for XX/XX/XXXX. I have called the XXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, XXXX, XXXX, and Experian. Neither XXXX XXXX, XXXX, XXXX, nor Experian have correcited this on my credit report. I have disputed this 5 times with each, with no correction. XXXX XXXX call me on XX/XX/XXXX, and XX/XX/XXXX and both times apologized, and said it would immediately remove the late payment from my credit reports. They have not, and every time I call, they say they see it noted that it should be deleted. They even sent an email which stated they had a computer error in XX/XX/XXXX and would correct everyone 's credit report, because it listed an error of late.
I have been contacting these people whom hired a collection agency called United Revenue Corp. They have been mailed letters trying to validate the debt for about 36 months. I have sent their collection agency over 15 letters trying to get this debt validated and so on. Spoke with someone on Wednesday of last week and was going to call me back. NOTHING! I have never had such blatant fraud in my life. I am sure the doctors are fantastic of which I do not recall meeting. I am considering speaking with the following agencies to get this matter into the hands of someone whom is capable of following the law. The law requires them or their representative to respond to writing with in 30 days. As such if a company is representing you in a collection matter their behavior becomes an extension of your organization when it comes to behavior.

I don't really care about the stuff being on my credit but I do care that these two companies feel it is acceptable to disregard the rights I as a consumer have  been given. So by Friday I will be speaking with the following agencies who are more than willing to help me and resolve this matter since I have been unsuccessful at trying to amicably do so. I am confident this company may be committing or engaged in fraud. Or the collection agency is ... ... They clearly have zero regard for the FDCPA, HIPPA, FCRA or the FBPA. I have that on RECORDING in a conversation with their collections manager.

Texas State Medical Board Texas Attorney General Texas Department of Health and Human Services Federal Trade Commission - complaint on United Revenue Corp Consumer Financial Protection Bureau Texas Health and Human Services Medicaid - Might be important for someone to review their billing practices XXXX XXXX / XXXX XXXX - Might be important to know their billing practices Texas Governor 's - Office of Financial Responsibility XXXX XXXX XXXX XXXX XXXX XXXX One of their collection agencies under contract explained to me that they get 50 % of every dollar they collect as a few for their services. This is also why they do not care about helping fix inappropriate things or so on. Its also why they do not care about helping the consumer. I have the whole recording. It is about 11:04 minutes. I am well versed in the law as I am an extremely well versed consumer in the ways and regulation of law concerning debt collection and validation practices. I am also a VERY litigious consumer with a track record of winning. I look forward to explaining my case should this matter NOT be resolved immediately without any further delays, period.
I verbally accepted the 3rd option via Telephone with chase. The day I accepted the terms was the day I spoke to the representative XXXX. I requested several time that they mail me the terms and conditions. They stated that the document I was holding was a legal document and that nothing else was going to be mailed out. This information should be on the recorded messages, as all call are recorded. 

I began making payments every month on theXX/XX/XXXX. I called it in on theXX/XX/XXXX per our conversation. When I found out that I was not going to be able to modify the loan is when I placed the property up for sale. I tried getting the full balance owed so I can pay off the agreed upon total. The representatives from chase ( Contracted 3rd party ) refuse to take my payment or give me the balance owed with interest. 

What chase did was not right. I made all the payments as per our conversation. I never intended not to keep the property. They were rude and disrespectful. They would insult me various times. They placed a lot of stress on me, even though I told them I was not well they continued to be mean. it come to a point where nobody but the supervisor XXXX XXXX could have contact with me. nobody else was allowed to talk to me. I tried multiple times to escalate this matter to another department but nobody would respond back to me. 

I would understand if I had stopped making payments but I kept my part of the bargain. Chase is the one who retracted on our contract without any notification. They would not accept my payments or get back to me with the balance due. i feel they have shady busines practices.
I have sent two ( 2 ) certified letters to the bank and to the CRA to investigate the duplication of an unauthorized inquiry placed on my consumer file I did not authorize. The offending duplicate inquiry is hurting my credit and it needs to be removed.
In XXXX of 2016, my family and I decided to plan a vacation XXXX in XXXX of 2016. I placed a reservation XXXX which I would pay at the hotel and there was no cost cancelation as long as the reservation was cancelled at least 24 hours before the expected stay. The next day, on XXXX/XXXX/2016, I surprisingly noticed that XXXX. charged my Chase Visa for half the cost of the reservation. When I called the hotel I was told this was standard to hold the room and if I cancelled it would be refunded in full. The first week of XXXX in 2016, I cancelled the room. When I contacted Chase regarding the transaction, I heard on a recording that the hotel had processed the credit. I spoke to a Chase representative and requested that they also refund me for the interest they charged on the {$130.00} transaction. I was told they would n't and there was nothing that could be done. This caused me great frustration. My current interest rate is 18.24 %. The payment of {$130.00} was charged interest on my account for XXXX, XXXX, and XXXX of 2016. Thus, I now have to pay Chase {$72.00} in interest for something I never received. On XXXX/XXXX/2016 I spoke with multiple departments and employees of Chase to try and get the interest that I was charged for service not used, to be refunded. I was told that there was nothing they could due since the hotel ran the payment as a sale and not an authorization. Thus, Chase just made free money off me that I will have to pay even though I never received or used the goods or services they are charging me for. This is unfair and feels illegal. I should n't have to foot a bill for something I never used or had. I want something to be done.
CitiBank NA or CBNA made a credit inquiry on my credit bureau reports on two different occasions : the first credit inquiry was made on XXXX XXXX, 2016 to XXXX and XXXX XXXX, 2016 to XXXX ; the second credit inquiry was made on XXXX XXXX, 2016 to XXXX and XXXX XXXX, 2016 to XXXX. I called XXXX on XXXX XXXX and requested a fraud alert be placed on my credit bureau report. They also removed CitiBank NA 's credit inquiry from their credit bureau report. It does not make sense that CitiBank NA made a second inquiry on my credit bureau reports as I have not applied for an account with CitiBank NA. Fortunately, a fraud alert has been placed on my credit bureau reports. I need help as I want CitiBank NA to stop making credit inquiries. The address for CitiBank NA is XXXX XXXX, XXXX XXXX, SD XXXX and for CBNA the address is XXXX XXXX, XXXX XXXX, SD XXXX.
I have been disputing a few items on ALL three credit reports and each time the reporting agencies would send back letters stating the information has been verified. When I, would send these companies letters asking how was the info. verified? I have a collection that is reporting to ALL three agencies by the name of XXXX XXXX. It ALWAYS comes back verified and when I, ask this company for the same information, never received it from the Creditor ( XXXX XXXX ) or the collection agency XXXX. I have sent these three agencies letters asking for them to show me that information that they received to that verified this item but was never supplied it. From XXXX, XXXX and XXXX I, have documents showing me asking can they investigate this item and prove 100 % that it is true and accurate to be on my reports. This is a violation of the, Credit Bureaus has violated my rights of the FCRA Sec. 604 a, 3. also by not correcting or refusing to do a full investigation after explaining XXXX has different status as to closed acct. and open acct. and had not been properly validated and still was able to be reported to ALL of these reporting agencies.
I previously had XXXX car insurance and when switching to another company I contacted them and asked for my final payment to close the account in good standing. I paid the amount that I was told through auto debit through my credit card. 

Upon looking at my most recent credit report it is showing that I have a {$64.00} balance that is now in collections. This is an error and I would like the account to be removed as the account was in good standing when I closed it, but now it's seriously affecting my credit score.
I have been receiving calls from different numbers 5-10 times a day from the same company but they NEVER identify themselves. It 's always an urgent message to call them right away or they 'll sue. Now they 've left me another voicemail threatening to sue today if I do n't call them back. They never identified themselves or what account it was regarding. They have been harassing me for at least the past 6 months. I have attached the voicemail they left me today. 

Here are some of the numbers they 've called from along with Restricted numbers : XXXX XXXX XXXX
Some one has my social security number, my name & my home address. That person opened credit cards under my name at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX, & some other credit companies. The total charges to one of these accounts around {$15000.00} for now. i already called these stores & they closed accounts & put on investigations. i already reported to police. I 'm so worried & scared what else he can do with my social security number. Please advise