WillisBack/dataset-financial-user-claim huggingface dataset:
My wife received a call today on her mobile phone ( XXXX ) today, XX/XX/XXXX at approximately XXXX XXXX EST from a company identifying themselves as XXXX, a " fraud arbitration '' firm operating supposedly out of XXXX PA. I tried to look them up online and found no information to verify. The person asked for me, XXXX XXXX. The caller who would not identify herself stated she was investigating a fraud complaint from a company called XXXX XXXX XXXX / XXXX XXXX related to a financial transaction in XX/XX/XXXX. She rattled off some of my former addresses from 12-15 years ago in Florida. When I told her I had no recollection of what she was referring to and asked her what amount she is claiming I owe she stated she was referring the matter to the XXXX County Court in FL for fraud charges and hung up. When I called the number back that showed up on caller ID ( XXXX ) the same lady answered the phone ( who had originally contacted me ) and claimed she " assumed we were finished ''. She asked for my current address which I did provide since I figured this was public information anyway. She said her office would be sending me a certified letter and stated I had 30 days to take action or I would be brought up on fraud charges and arrested. <P/>Prior to contacting the Florida AG office, I did some research and found out that Florida as well as many other states as well as the Federal Government ( Consumer Financial Protection Bureau ) had filed class action lawsuits and/or had taken other legal action against XXXX XXXX XXXX / XXXX XXXX ( the company the lady at XXXX claimed to be representing ) dating back to XX/XX/XXXX. My wife and I recently purchased a house in XXXX XXXX, FL in XX/XX/XXXX. Nothing showed up on my credit report for XXXX XXXX / XXXX XXXX and still does not. I am concerned I am getting scammed.
Hello Cfpb, I 'm yet complaining again simply b/c I feel like the process is being dragged out and that Transunion is not taking my file serious enough. I 've sent XXXX separate letters certified to them stating my claim and showing the ID crime report, providing drivers license, etc and I still have XXXX, still have credit acceptance, still have some large XXXX apartment complex, and some child suppport thing out of michigan?!? .. I would laugh because of the last XXXX ... My name is XXXX XXXX and what the police thought is that someone with a similair name is getting tagged to me.. not sure how the system works entirely but I need to get this handled asap. 2017 I do n't want to be messing with this ... I will if i have to but I 'd rather not. I did see a TXU light bill show up as well which to Transunions defense they have not had it brought to their attention. When I contact these places they simply instruct me to pay settlement and I refuse I 've compiled dates and responses that I can upload if needed if it will show my initiative. thank you, XXXX XXXX.
Because of my illness and divorce I became delinquent in my mortgage payments. All notification regarding the delinquency was sent to another address and not the property address or my mailing address.  In fact I correspond with Ocwen mortgage for month at I current mailing address and the foreclosure attorney was sending paper work to my old address.  Ocwen eventually sent foreclosure paper work to my current mailing address but it was for some else property! I have that paper work! Prior to the foreclosure sale date I filed bankruptcy and it was dismissed two weeks later because the attorney didn’t file the schedule in a timely matter.  So the mortgage company allowed me to file for another short sale and I did along with the submition of a rectified contract and was advised by Qcwen loan servicing that my short sale was denied because it has to be filed within 37 days prior to the sale date.  I advised them that when you offered it to me it was within that time frame because the complete package was submitted that same day which men’s that Ocwen know that when you offered me that option! Then Ocwen offered me a modification and stated that the time factor didn’t matter.  Several days later I received notification in the mail that it was denied because of the timeliness of my filing! Ocwen is playing games! And needs to be investigated! Months ago I requested a deed in lieu of and was advised that I couldn’t apply for that option without giving Ocwen time to review my file so I held on the phone for the review and was advised to apply for another mortification.
We submitted an application for a loan modification to PennyMac. PennyMac denied the application via a letter dated XXXX XXXX, 2015. PennyMac failed to include in its denial letter the name of the investor and the NPV results. Pasted below is the excerpt from my letter to PennyMac. 
PennyMac claims the XXXX following reasons that the application for a loan modification was denied as stated on Exhibit A of PennyMac 's XXXX XXXX, 2015, letter : Capitalized Loan to Value ( LTV ) Excessive Forbearance Housing Expense Ratio Outside of Acceptable Range Insufficient Net Cash FlowPennyMac has failed to provide the total capitalized unpaid principal balance, the value of subject property, the income and debts used in its calculations. These are all data inputs used in calculating NPV ( net present value ). See Home Affordable Modification Program, Base Net Present Value ( NPV ) Mode XXXX Model Documentation here : XXXX See pages XXXX that state the NPV model inputs - these inputs include unpaid principal balance before modification, property valuation, borrower 's total monthly obligations and monthly gross income. As PennyMac is claiming the reasons for denial include the LTV and the inability to come up with an acceptable modified payment and insufficient net cash flow then these values must be disclosed as PennyMac engaged in a net present value calculation. 
As explained in the Comments to 12 C.F.R. 1024 ( d ), if a trial or permanent loan modification is denied because of a net present value calculation, then the denial notice must include all the inputs used in the net present value calculation. 12 C.F.R. 1024, Supp. I, 41 ( d ) cmt. 2. PennyMac 's XXXX XXXX, 2015, letter does not include any inputs it used in this calculation. This is exactly the kind of information called for by RESPA to enable borrowers to make an informed decision about whether they should appeal the servicer 's loss mitigation determination or pursue other options. PennyMac failed to provide it. 

In its XXXX XXXX, 2015, letter PennyMac states " We may order an appraisal or other forms of valuations to determine the property 's value in the course of reviewing your application. If we do order any valuations in connection with the application in determining whether your loan qualifies for a loan modification, a copy of the valuation ( s ) will be enclosed with this notice, if applicable. '' Clearly the value of the subject was used in reviewing the application as one of the reasons for the denial is due to capitalized loan to value. The value in " loan to value '' is the valuation of the home yet PennyMac failed to enclose with its letter any valuations of the property. PennyMac representatives disclosed to me that PennyMac had a BPO completed on XXXX XXXX, 2015, that resulted in a value of {$69000.00}. Is that the value that PennyMac utilized in reviewing this application?
I send this dispute certified mail # XXXX to make sure they had receive it. I have no knowledge or records of account # XXXX reported by PMAB. Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
If you can not obtain The information from the original creditor within the required time frame ( 30 days ) Please delete this account from my CR.
My name is XXXX XXXX, I attended XXXX in XXXX, ca. 
I believe I have genesis loans from XXXX colleges and would like to know if they were included in the CFPB settlement.
To Consumer Financial Protection Bureau : I would greatly appreciate your help if you can assist us in asking Shellpoint Mortgage Servicing and XXXX XXXX XXXX XXXX. ( XXXX ) to delay the recently announced trustee sale of our property and former home of my deceased wife at XXXX XXXX XXXX, XXXX, CA under Shellpoint mortgage loan No. XXXX. The property is currently valued at {>= $1,000,000} to {>= $1,000,000} and the first loan payoff amount to Shellpoint is around $ 1,200,000+ and $ 100,000+for the secondary loan from XXXX XXXX XXXX . The property if properly sold will have enough equity to pay all involved parties including Shellpoint, XXXX, realtors, XXXX XXXX, legal counsel and others. 

Please note that we have been asking Shellpoint since XX/XX/XXXX and recently XXXX to delay or postpone the projected trustee sale in order to properly sell the property in order to pay all financial obligations related to the property since the property has enough equity to payoff all financial obligations including all associated costs for the sale of the property and therefore Shellpoint and XXXX XXXX XXXX ( XXXX ) will be paid off. But just recently, on XX/XX/XXXX, XXXX posted the Notice of Trustee Sale on the door with a sale schedule of XX/XX/XXXX. 

Attached are copies of some of our communications and request to Shellpoint and XXXX to give us proper time to properly sell the property because the newly announced trustee sale date is affecting and hampering prospective buyers. 

Thank you very much for whatever assistance you can provide to convince Shellpoint to postpone the trustee sale scheduled on XX/XX/XXXX. Please note that my deceased wife had a lengthy disagreement with XXXX XXXX XXXX and XXXX years ago because of the institutions loan modification/foreclosure practices which was reported to your office under XXXX Case # XXXX. 

I hope that with your assistance, I will not experience a similar difficulty in asking my request to Shellpoint and XXXX to postpone the trustee sale in order to properly sell the property in order to ensure that everyone will be paid accordingly and all obligations will be settled. 

Thank you very much for your help and attention to my plight as the trustee of a survivor trust. 

XXXX XXXX Phone : XXXX Email : XXXX XXXX
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX F, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX F, XXXX XXXX, FL XXXX
Wells   Fargo  bank NA has fraudulently tried on several occasions foreclose on a home in probate court and I  XXXX   XXXX   personal rep  of  XXXX   XXXX  my father hav made payments on paid all property taxes and insurance..well s Fargo c laims no  payments w ere made for 15 years since  XXXX  but I hav all proof my dead father and myself made payments since the original loan in  XXXX . I just had to pay  XXXX  to get the loan in my dead father 's name back open and out of default to secure my home me  n  my husband and  XXXX  children live in currently.  Wells Fargo  also put forced insurance and outrageous interest on the loan so the balance has never gone down or had a change unless it was increased for insurance premiums but my dad and me hav had insurance the whole time except around his death in  XXXX   XXXX . I need a representative to fight for the  XXXX  owed to my dead dad and I and what i hav paid on this account to secure this  XXXX  loan balance still since  XXXX .
Continuance of prior complaint XXXX I went through 3 different collections agencies harassing me for this debt, each time disputing the validity and all they did was sell it to someone else. The last company finally sent it back to PNC and removed it from my credit report. I thought PNC had realized its error when the reference was removed from my credit report. I have never had a loan with PNC Bank and received no notification of any loan being sold to them, and all of my student loans remain with my original lender. PNC Bank ( XXXX XXXX ) sent me a letter on XX/XX/XXXX saying she was investigating and would revert via mail. That is the sole contact I had from PNC, even after filing a complaint here, with the PA XXXX XXXX XXXX and PA Attorney General. Then a week ago I received a letter from XXXX XXXX XXXX obo PNC Bank saying the loan at issue here had been cancelled and implicates my taxes. Today, I received a letter from the IRS. I am very upset and angry with PNC and that this is still going on, 2 years later from my complaints, which were already at my wits end from bullying and lack of any substantiation whatsoever from PNC that this debt is actually mine ( because it is NOT ). That started XX/XX/XXXX. It is impossible to respond to, at this point, the demonstrable bad faith and utter malfeasance of this enormous bank. I require your help, yet again from this horrible and unethical company.
Beginning in XX/XX/XXXX I requested proof from Chase that I was ever late and why they are reflecting this account as charge off which is not accurate. ( see attach letter. ) I never received any documentation from showing either a signed appliction or a complete pay history., cies but they continue to report to my credit report which is a violation of the Fair Credit Reporting Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the information reported.
I moved out of apartments called XXXX XXXX in XXXX Wa, we did a walk thru and everything was fine. I found out later that they put false charges on my credit of over XXXX and reported it to a collection agency which they added interest on it for over 7 years. When I did found out about it I took them to court immediately. The judge ruled in my favor and demanded that XXXX return my security deposit. The judge also stated that I should try and have this removed off my credit. XXXX XXXX XXXX has been doing this to low income families since the year 2000 they have lot 's reviews on there website stating that this is what they do. I would like this removed off my credit please. Thank you
Hello Our mortgage company raided our escrow payment by {$300.00} and we are now unable to make our payment. Our taxes and escrow have not increased since closing and our insurance increased by about XXXX. We habe not heard anything regarding our request in the last 30 days. When we call we are told that it is still in review.
I received correspondence from XXXX XXXX XXXX on XX/XX/XXXX stating that I need to fill out a form of interrogatories. It is in regards to a debt that I won a judgment on XX/XX/XXXX. I was the defendant in the case and there was a judgment for the defendant entered. the plaintiff filed a civil appeal that I never received any notice of the appeal. XXXX is trying to collect on an invalid debt by representing and threatening to take legal action on the case.
I have been the victim of fraud, I don't have a clue where these inquiries came from and I did not give authorization for any of these companies to check my credit report. PLEASE provide proof of original date, s times and years, I gave autorization 's for these INQUIRES. Please seed me original contracts from parent companies that I allegedly signed, NOT billing statements. ORIGINAL contracts.

XXXX XXXX XXXX XXXX XXXX   ... .XX/XX/XXXX XXXX XXXX XXXX ... ..XX/XX/XXXX XXXX ... ... ... ... ... ... ..XX/XX/XXXX XXXX XXXX XXXX ... ..XX/XX/XXXX XXXX ... ... ... ... ... ... ... ... ... .XX/XX/XXXX
Experian will not allow me access to my dispute despite sending me emails to review, in an attempted subterfuge to prevent me from accessing my report. They continue to play these games and that 's why they are on the top complaints list. I told them to remove the XXXX inquiry as stated in the letter. Addiktnst the XXXX inquiry they also inserted XXXX XXXX inquiry that had been deleted. This is FCRA FACTA CCPA violations
This has been reported as a " returned check ''. The returned check was over {$200.00}. I visited the store with cash in hand and picked up the check. They said that there was an additional charge for the the returned check. I told them I did not have that and they said they would take care of it. In my mind that meant it would be waived.
I have several inaccurate addresses on my credit report. I have never received any documentation on several accounts that are listed wrong on a unverified Bankruptcy. I contacted the U.S. BANKRUPTCY COURT and I was told they didnt furnish that information about a bankruptcy. Who furnished the information on the case? 
My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
My Employer XXXX XXXX XXXX XXXX The follwing addresses are not mine please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mine please delete ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
I have a debt that showed up on my credit report, that I do n't believe I owe. The company never sent me anything about the debt nor gave me a chance to dispute. I do n't know how they acquired the debt, but I do n't think it is mine.
I have an account in collection with NCB Management Services Inc. On XX/XX/2018 I agreed to a payment arrangement with them and gave them permission to withdraw funds via electronic check from my checking account every month on the XXXX. 

I never give out my banking information, but agreed since they contacted me on my mothers phone ( not sure how they obtained this information ) and I was eager to resolve this account. 

On XX/XX/2018 an electronic check for {$780.00} was paid to XXXX XXXX Bank and initiated by XXXX XXXX ( Trace # XXXX XXXX XXXX XXXX XXXX ) on my checking account. 

On XX/XX/XXXX, the electronic check I approved for NCB Management Services went through for {$30.00}. 

Again on XX/XX/2018 another electronic check went though for {$310.00} paid to XXXX XXXX ; no name attributed to this charge ( Trace # XXXX XXXX XXXX XXXX XXXX ) Once more on XX/XX/2018 an electronic check went through for {$120.00} paid to XXXX XXXX ; no name attributed to this charge ( Trace # XXXX XXXX XXXX XXXX XXXX ) And again, On XX/XX/2018 another electronic check went through for {$300.00} paid to XXXX  XXXX by XXXX XXXX ( Trace # XXXX XXXX XXXX XXXX XXXX ) After this transaction the checking account was closed. My bank denied payment to all the above transactions except to NCB Management. Since I have closed the account I request that prior payment arrangements be denied and I have not contacted NCB to make new arrangements.
Focus Receivables Management calls every day and often more than once. I have asked them several times to please send me proof of the original debt, they deny this being available and continue to call.
ALLIANT ALSO CALLED ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX IN VIOLATION OF F.C.P.A AND FDCPA, AND FCRA.
On XXXX XXXX, 2014, I received a PayDay loan from XXXX XXXX. I was unable to pay the loan off, since I have n't been working, due to a car accident. The loan was sold to premier Portfolio Group, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX, www.premierportfoliogroup.com. They have called all my references and provided them with details of the loan and they have threatened me with a law suit and the amount i will owe with court costs and attorney fees. I want them to stop contacting all my references and stop threatening me.
My Loan was transferred from XXXX XXXX XXXX XXXX M & T bank on XXXX/XXXX/2013 after never missing a payment but we had applied for Modification and they did n't tell M & T, I had perfect credit or M & T would not have bought the loan. We sent the first payment in XX/XX/XXXX from my billpayer company at my bank. Which I have the check and the statement proving it cleared. They have reported the payment as a bounced check and ruined my credit. I have a letter from them stating XXXX took the money from them. Because of XXXX mix up. Does a bank get to lie about you make up lies about your payment charge you thousands in fees and ruin your credit due to an error in paperwork between the to banks. I am XXXX and being bullied by this bank Is there anyway you can help??
My ex-wife tried to refinance her home, the home had a 2nd on it from HFC. The loan would go through because HFC reported that I still owed money on the loan. HFC reported that I owed {$5000.00}, plus interest for the last 5 years, meaning I owe them {$10000.00}. 
The 2nd from HFC was included in my bankruptcy 5 years ago. The debt was paid and the bankruptcy court sign off on my case about 5 years ago. 
I believe that HFC is acting in bad faith by not accepting the payoff, in addition they have had the 5 previous years to notify me of this debt, they have n't, nor does a failure to pay a debt show up on my credit reports. I believe HFC is wrong. 
If HFC underreported the debt owed, they had ample opportunity during the bankruptcy process to amend the dollar amount of the debt. HFC never corresponded with the Trustee who was managing the bankruptcy account or the courts. I believe they purposefully are trying to act in a fraudulent manner to take money that they are not owed on the 2nd trust of deed. I want HFC to sign off and take the lend off the debt that was paid off by the bankruptcy.