WillisBack/dataset-financial-user-claim huggingface dataset:
Has the Attorney General 's Office investigated BSI Financial Services for unlawful practices, fraud..etc? Please take a look online under ripoff reports/BSI and please view what fellow Floridians are dealing with. My loan was with XXXX XXXX XXXX and I was approved for a trial modification which I made payments for a total of {$5.00}. The loan was then transferred to BSI Financial Services which they claim i defaulted on my trial modification and denied my Permanent Modification. I paid {$5200.00} and as you can see i do wish to keep my home and pay what I owe. I have an Attorney 's Office and they have been very helpful. Part 2 of this complaint is that my Attorney 's Office has requested a Payoff Statement from BSI since XXXX XXXX, 2015 and to this date it has not been provided. My Attorney 's Office requested the payoff statement from XXXX XXXX/BSI which then referred them to XXXX XXXX with XXXX XXXX XXXX. which is the Attorney 's Office for BSI. XXXX XXXX received the request on XXXX XXXX, 2015 but has failed to provide the Payoff Statement as he states he will check with his client or he does not respond to the emails requesting an update on the Payoff Statement. My Attorney 's Office received an email from XXXX XXXX/BSI inquiring about my intentions with the property which my Attorney 's Office replied that we are awaiting a Payoff Statement. His response was here is one from XXXX it 's close enough either I can pay or I ca n't pay in full. Can i get an updated Payoff statement? Is it that hard or difficult? My intentions are to fight for my property and I will. I will share my experience with BSI to everyone that I can. Now my question is ... can BSI provide me with an updated Payoff Statement? Attorney General XXXX - I want to save my home, I was approved for a trial modification which included XXXX payments that totaled {$3400.00} and I paid {$5200.00}. I do n't see how i defaulted. I paid more than they were even asking for and their mortgage statements are the statements that confused me on what to pay. I was just happy to be able to make a payment. Can BSI provide me with a Payoff Statement? I do n't need to explain my intentions as I am simply requesting my payoff figures so i can know what i owe the bank. Can you investigate BSI as i would hate for fellow Americans/Floridians to be dealing with what i am having to deal with?
I were not inform of any payment arrangements, nor did I received any letter of changes to my account. When in accutuality my loan was on forbearance and not.it in on the income driven program. 

So no the reason why late payments is on my credit report, I gave no idea? I Never had to make any type of payments since I was approve back in XX/XX/2006 until now. So maybe it was a mis hap on there part. But I never agree or sign any form make payment with this company.
Why is this still on my credit file still. I was informed this remark would be removed. Please help Item is XXXX XXXX XXXX XXXX
Equifax continues to erroneously report Chapter XXXX bankruptcy information. They have claimed repeatedly that they are not doing this -- but a credit report pulled today by my mortgage lender confirms that they are : Good Morning XXXX XXXX : I just got off the phone with our XXXX party credit reporting agency and evidently Equifax is the only credit bureau that is reporting the XXXX XXXX XXXX XXXX accounts as a Chapter XXXX versus a Chapter XXXX. 

Here is the documentation they will need to go straight to Equifax to have this corrected:1 ) '' Discharge of Debtor '' page of the bankruptcy paper work2 ) Schedule " D '' of the bankruptcy paper work showing the XXXX XXXX XXXX XXXX accountsPlease send to me and once received, I will send a credit repair letter to our third party credit reporting agency to have changed from a Chapter XXXX to a Chapter XXXX. 

Also, fyi, here is information regarding the XXXX XXXX XXXX XXXX accounts in question : XXXX XXXX XXXX XXXX Opened XXXX XXXX High Credit Limit $ XXXX XXXX XXXX XXXX Opened XXXX XXXX High Credit Limit $ XXXX of XXXX XXXX Opened XXXX XXXX XXXX Credit Limit $ XXXXXXXXThanks! 



XXXX XXXXBranch ManagerNMLS # XXXXPhone : XXXXXXXXToll Free : XXXX XXXXCell : XXXXXXXXFax : XXXXXXXXXXXX
The XXXX group has attempted to collect a debt from me that I do n't owe. I never established a contract with this company, furthermore I feel like they are harassing me.
Rent Recovery Solutions contact me in regards to a debt with a landlord-tenant dispute. They informed me the debt was associated with an " eviction '' that had occurred. I asked them if the debt had been verified, they confirmed, and I then requested to see paper work associated with the eviction ( court papers, court date, etc. ). They would not disclose this information, as I already knew the landlord did not provide me with an eviction notice, nor was I given an opportunity to defend myself in court. This all stems from a last month rent withholding due to the property being deemed uninhabitable per a city violation that was issued by XXXX XXXX that was not acted upon. I have tried multiple times to contact XXXX XXXX ( XXXX ) regarding this matter only to get no response. I beg of you to please look into this matter as I am almost certain there is some form of fraud taking place as this debt went from {$840.00} ( one month of rent withheld ) to almost {$5000.00} without a court date, eviction notice or legitimate verification of debt.
I received a solicitation for a VA loan that looked like a bill, marked " Final Notice. '' First, I 'm not a veteran and not elligible for a VA loan, nor do I have a VA loan, yet this was on the letter : " As a VA loan holder, the XXXX XXXX XXXX XXXX XXXX XXXX allows you to combine your mortrgage and other debt PLUS get an additional {$32000.00} cash in hand for a new principal and interest payment of {$150.00} per month. 

We 've done our homework. You already have what it takes to qualify. '' etc etc ... 

This came from XXXX XXXX OCMBC , Inc. Licensed in CA XXXX, CA Mortgage Lender XXXX and NMLS XXXX XXXX
I have XXXX chase bank credit accounts on my credit reports and I have disputed them with Chase They respond back with that they are my accounts but I have asked repeatedly for proof as in copied of the signed applications and proof of payments They have never provided them to me I have asked managers to look into it and they ca n't see them
cra harassment phone call not mine no knowledge of account wells fargo XXXX from wells XXXX
I received a  XXXX  form dated for   XXXX   from   XXXX   XXXX   XXXX   XXXX  . in regards a   XXXX   XXXX   XXXX   accoun t ( credit card ).  I have sent numerous letters all three credit bureaus and to   XXXX   XXXX   XXXX   asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now,   XXXX   XXXX   XXXX   my credit report still shows a balance owed of {$17000.00 } ( this is not correct and is severely damaging my credit reports and credit scores ). I de mand action and my credit report be updated immediately. I also want a letter from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . stating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting this.
I submitted a complete loan modification package and was foreclosed on well being reviewed Ditech claims I never submitted all paperwork yet I never received any notice and also a month after the sell of my home I received a letter saying I was reviewed for modification but was not approved due to no longer owning the home!! This is dual tracking! I also had a large payment misapplied and forced insurance to my loan when I was already paying for insurance!
I attempted to to send USD from a CapitalOne 360 account to a   XXXX   XXXX   XXXX   account. Capital One told me that this transfer process between my own accounts takes 48 hours due to 'federal regulations '. In  XXXX ,  XXXX  and other countries the transfer of funds ( in the same currency ) occurs instantly. Why does this process take so long in the United States?
On XX/XX/18 I looked at my credit report and saw that there was a delinquent account added by American Revenue Management ( XXXX ) XXXX-XXXX for {$4200.00} that was openned XX/XX/18. I called the number and the person on the phone read letters that were supposedly sent to me but I never received. None of these letters stated my right to dispute this debt that was placed on my report. This is a violation of the fair credit act. This is not my debt. I demanded they remove it from my credit and they refused.
On XX/XX/XXXX I went to an ATM and tried to withdraw funds from my checking account. My account was debited {$400.00}, but the cash was not dispensed from the ATM. I contacted USAA the same day to initiate a ATM dispute. They advised me that it takes five to eight business days before the claim is picked up by a technician. It is the holidays and I asked if it could be escalated, which I was advised that they would put a note on the dispute. We are now on the ninth business day and no one is able to provide me any type of update in regards to my dispute.
I have disputed a account from Santander several times with the bureaus in the past and it has come back verified. Santander has not provided me with competent evidence of the alleged debt amount. I have not received any of the documents of acceptable verification. Yet, they continue to report the account to the bureaus as verified. I have requested, a signed Contract, which I have never received. Also, I have never received a deficency notice after the car was resold or auctioned off. Therefore, I have no proof of the alleged amount to be paid. Sandander is reporting a balance, although I have NEVER received a itemized account of all amounts claimed to be owed in connection to the debt. Including loan principal, interest and other all fees. Nor, have I ever been contacted for any collection purposes EVER. However, the account is on my credit report. If Santander can not provide all of the validation the account MUST be DELETED. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ), and carries a fine to be  paid to me. PLEASE GIVE THIS MATTER THE IMMEDIATE ATTENTION IT DESERVES. Please be advised that this is the final attempt to resolve this matter and if not resolved, I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I have had the loan for ten years now, i have never been able to pay the loan balance down and the loan has doubled in size ever since. 

I have never gotten correct information regarding my loan and was never advised or told how changing the due date would affect my payments and make them late. 
I was enrolled in a rate reduction program and never see my loan balance decrease. I would like to know how my payments are being applied. 
I recently lost my job and they told me i had no options and nothing they could do for me. 
Even though i make payments i get harassing calls all day long, and letters. 

I am paying XXXX a month, but i also get a bill to my house for XXXX dollars which i dont understand. i feel i have been defrauded by this company and have been paying for the last 10 years and my balance has gone up by 59 %. ON many occasions i have been told no, i cant be helped no and i am still getting charged for things im un aware of in ten years my balance has never gone down.
My private loans were bought out by Navient and I set up payments with them. My payments were roughly {$200.00} a month. When I began repayment my amount due was at {$75000.00}. After two years of making payments my amount due had n't gone down a cent, in fact it went up to over {$80000.00}. It did n't make any sense to me why this happened. I was luckily able to put my loan on hold for a few months, but now that I am supposed to be paying again I 'm reluctant because it feels like I am just throwing my hard earned money down the drain.
Involving docket # XXXX reported with all 3 bureaus : Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus. Per the new law the bankruptcy listed does not include this information and should be deleted from my credit report.
On credit report Transunion, XXXX, XXXX states XXXX negative accounts, XXXX positive accounts, XXXX inquiries. 
However XXXX XXXX XXXX after XXXX months of paying debit for cell phone bills will not sell a XXXX down cell phone at XXXX dollars per month because of ruined credit and harassment. 
Being a veteran I was billed for emergency non VA treatment hospital care, and sent to collections feeling I was billed XXXX dollars for emergency treatment at non VA hospital my question when my employers and veteran payee pays over XXXX dollars in Medicare payments WHY cant Medicare pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since XX/XX/XXXX I do not use credit cards.
My account just hit the 30 day past due and I kept getting calls from this company asking to pay the balance immediately or they were going to garnish my wages. It 's not the first time this company does this. In previous occasions my account was n't even 10 days late and I was getting calls at work, they also called my sister and told her that if I did n't pay they were going to garnish my wages. They always threat to garnish wages even if the account is not 30 days late so that I can make a payment.
Our home was damaged by XXXX in XX/XX/XXXX. From day 1 i have been open about this being an estimated claim of $ XXXX $ XXXX and 100 % compliant to Caliber Home Loans request and documentation. Situation 1 was the poor mishandling of our 2nd advance check it took them nearly 30 days to endorse and get it back to us. one delay in this process was me having to re-verify that the previous payment was an Advance, even though they had already endorsed and released this check to us themselves.another delay was them sending the check back to me for my signature which contradicted their instructions to not endorse the check and mail it to them, to prevent mailing a " Live '' check once they endorsed upon verification of " Advance '' status and returned to Us. It seems that every call I make to Caliber Home loan Loss Draft dept I get a different answer or policy. On XX/XX/XXXX we finally received our first look at the Proof of Loss by our adjuster. At this point I relayed this information to them and asked exactly what we need to do to have the specified amount of final payment handled swiftly. I did what was requested and to no surprise, once the actual check arrived they added more requirements for documentation, hence delaying our funds. On XX/XX/XXXX the final settlement check was deposited into their account. they spent 2 weeks to issue payment to 2 contractors which had been on file for at least 30 days. Now that all contractors have been paid in full and the home has passed a 90 % inspection they still refuse to dispurse the remaining funds which are intended for the Kitchen ( remaining 10 % ). There is a XXXX estimate on file to justify the cost of the final repairs. However Cabinets must be Prepaid before we can get a final invoice, this seems to be an industry standard.They are questioning me about the cost of Kitchen, etc because the quote is higher than remaining funds. This deficiency is occurring because the used funds for my " Flood '' claim to pay an invoice/contractor that was associated with my " Wind and Hail '' claim. Ultimately I do not care about this as the contractor had me on a payment plan ( to help me with a high deductible ) and was obviously getting paid regardless. They chose to merge the 2 claims into one in there system, it does not give them the right to control my repair plans for our Kitchen.I have had several of their representatives agree with my pleadings and offer to personally monitor my claim and give call backs on important updates/decision and/or requirements. This has never happened once and I still get a different representative and longer hold times each day I call.They say they are operating within federal regulations, which each representative has a different policy. If this is true the Regulations must be changed immediately. My family was blessed with much support from family, friends and local businesses to get our home to 90 %, without them I would still be renting a second home and waiting on Caliber Homes Loans to give us the run around and not restore our life.Please note Caliber Home Loans did not miss a mortgage payment from us during this Natural Disaster
On or around XXXX XXXX I was finalizing a XXXX XXXX Bankruptcy. I received correspondence from XXXX County Municipal Courts stating my loan was current and a request was made to dismiss my Bankruptcy and stop my foreclosure proceedings. This request was made by Attorneys representing XXXX XXXX. I had successfully completed 60 months of my payment plan made by my Attorney and the Trustee to saved my home from foreclosure. On or around XX/XX/XXXX I started to receive collection calls from one Loancare company stating that I was in default and that I now owed {$3400.00} on my mortgage. 
The gentleman whom I spoke with never produced any proof that there was in fact a delinquency, I asked if this was a collections call from the loan servicing company he said yes. I asked if he was familiar with FDCPA? I made a request for a full Itemized list of all payments made and payments received to confirm that if I was in fact delinquent that the proper protocol were if fact being followed. A few days later I received a dunning letter without a itemized list of payment. There was not proof of anything that would show that Loancare was a company that was entitled to receive payment on behalf of XXXX XXXX ( XXXX ). The calls were a violation of Section 807 ( 11 ) of the FDCPA Inital Communication and Subsequent Communications. XXXX XXXX al v. XXXX et al, No. XXXX - XXXX XXXX ( S.D. Ohio 2010 )
XXXX XXXX XXXX is a corrupt collection agency. They reported a claim that was billed by a doctor with errors in 2015. They refuse to refill or erase. They're rude and crooks. Amount is not owed. They are collecting to collect without proof of ownership.
I have been put at a disadvantage as a consumer. Wells Fargo submitted that I was 30 days late on a payment on XX/XX/XXXX, claiming I was 30 days late on my XX/XX/XXXX payment. This is untrue. My fianc tried to submit a complaint to resolve this issue, but was unable to do so effectively due to misinformation from Wells Fargo. Both my fianc and I have been told 4 different dates that we were allegedly late, forcing us to have to explain and research each one. When we submit a complaint, such as the one that was filed on XX/XX/XXXX, we are unable to effectively do so, because we had to submit a claim proving that the payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were made, but Wells Fargo only selected one date XX/XX/XXXX, choosing not to address the fact that agents from their executive team told me different dates. Their negligence has prevented us from effectively filing a complaint, and has forced us to deal with this issue for close to 3 months now, damaging our credit while we do so. 
Furthermore, we are placed at a disadvantage by their IVR ( Interactive voice response unit ). The payment they now claim was 30 days late was due to a late payment on XX/XX/XXXX. However, I made that payment on XX/XX/XXXX with their IVR, which they have agreed the have a log of the call. They are stating I post-dated that payment to XX/XX/XXXX forcing it to be late. However, they are unable to offer me evidence of this by pulling the call, giving me an audit log of what I keyed in, or proof the system told me that it would be placed on XX/XX/XXXX. These are all things that would have been done had I talked to a live person. I was not informed that I would be sacrificing my consumer rights by using the IVR system opposed to a human. Had I known that, I would not have done so. Even if I had done this online, I would have gotten a visual conformation of the payment made, like I received when I made an online payment on XX/XX/XXXX. Furthermore, I had the means to pay the amount on XX/XX/XXXX, I have not reduced my {$3000.00} plus balance in my checking in the 4 months this is dispute started. There is no logical reason for me to postdate the payment, but when I spoke to their executive department, their representative, XXXX, told me that all he can see is what date the IVR registered, but could not tell me what was done on the call. XXXX decided this was enough evidence and closed my case, sending me a letter on XX/XX/XXXX. This to me doesn't constitute evidence, this is the result of what the system recorded, I should have the right to see how that happened. Blind faith in their IVR system, which is a developing technology puts me at a disadvantage as a consumer. 
Please note, I have exhausted every channel trying to dispute this matter ; I have made more than 20 calls, spoken in person to a Brach Manager at my local bank, spoken to 18 plus agents and managers, we have spent over 8 hours according to our phone records on the phone with them, attempted to dispute the claim with the credit bureaus and I have even emailed their board of directors, but as ofXX/XX/XXXX this matter is still unresolved.
This company has failed to remove fraudulent information from my report even after The original creditor has removed it from its records. What's more surprising is that this company requested fraud proof and proof of deletion by the original creditor, which I duly sent to them on XXXX18. But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. I am a victim of identity theft. This report is to document compromise of my personal information. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : XXXX XXXX XXXX This letter is a direct confirmation that I want this account deleted, I have enclosed proof of deletion by the original creditor ( XXXX XXXX ), a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 

Attached : 1.My Original creditor ( XXXX XXXX ) proof of deletion 2. My police report 3. My FTC report 4. My Small claim form
I had a vehicle that was repossessed, for failure to make payments as agreed. 
The vehicle was sold by the bank ; but not for the amount in which they were expecting. 
So, they expect me to pay the difference. Now keep in mind the vehicle was taken from me so I feel that all legal obligation to repay the difference is not my responsibility. 
I have a collection company that is hounding me to pay the difference. 
I feel that this is not fair to me, and I refuse to pay the cost.
On Friday, XXXX XXXX, XXXX I received a CFPB settlement check from E-Backgroundchecks.com dated XXXX/XXXX/XXXX, Check Number XXXX, Invoice Number XXXX in the amount of {$910.00} that would void if not ashed within 180 days of the original issue date. I called E-Backgroundscheck.com on Monday, XXXX XXXX, XXXX at XXXX CDT and spoke to XXXX XXXX who told me that they re unable to reissue a new check because the check was not cashed within 180 days. This check did not show up in my mailbox for nearly two years and I am requesting that a check be reissued since I was wrongly discriminated against on an employment application as a result of information that was wrongly provided by E-Backgroundchecks.com to a potential employer. I am requesting your help in getting this check reissued. I am also providing a copy of the check and cover letter that was mailed to me as supporting documentation. 
Thank you for your assistance XXXX XXXX XXXX