WillisBack/dataset-financial-user-claim huggingface dataset:
I just received another letter from Caliber Home Loans asking me to deposit funds in account number : XXXX ABA routing number : XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX and don't know why? I would like the CFPB to investigate this. Also they have failed to present the original documentation to the Bankruptcy Appellate Panel in the XXXX District in XXXX, CA, Appeal Number : XXXX. This all smacks of fraud since they are claiming I owe then {$310000.00} when I filed a Chapter XXXX Bk in XX/XX/XXXX and made both pre and post-petition payments on time. I am requesting the CFPB to audit this loan which was originally taken out in XX/XX/XXXX for {$310000.00}.
I called Navient to put my loans in forbearance because I 'm about to be unemployed at the end of the month ( XXXX XXXX actually ) in a move to XXXX XXXX for family AND financial reasons. I was reminded I have to pay XXXX dollars forbearance payment ( not a fee ) which defeats the purpose of forbearance ; I was transferred to XXXX " supervisors '' ( I 'm unsure if they were supervisors ) who insisted that this was policy which can not be changed. I was also informed I only have so much forbearance left on XXXX of my loans ( two months ), so I wondered if it was even worth it. Regardless, there 's nothing in place for a private loan company to exploit an unemployed person. Additionally, I learned, after getting disconnected on accident, right when I was about to put my loans in forbearance that it was too early to do so ; this should have been communicated to me early on in my phone call, not half an hour after my XXXX communication. I know there may be little that can be done, but private loans should not go unchecked when it comes to PAYMENTS ( not fees! ) for forbearance, whose point is to allow a respite for payments ( as interest is still being accrued ).
XXXX XXXX, 2017 my credit scores dropped 2 and 3 points with XXXX and XXXX.My credit scores should be at the excellent pinnacle by now, but are always being knocked down just beforte the excellent range. Is this intentional? to keep me from paying the lowest insurance rates. There is never an explanation behind these actions which make them suspect. My account balance on my mortgage payments are always reflected leter than they should. The previous complaints I made never offered me an explanation. Please put my credot scores to excellent where they belong and offer an intelligent explanation of any future changes that occurr.
When we requested a payoff on our home equity mortgage with Wells Fargo we were astounded to hear they wanted {$2600.00}. over and above the amount that was due even though our most recent statement showed a XXXX amount due after the previous months statement. We had not missed a payment on this loan in the 10 years we had this loan which was originated thru XXXX which was acquired by Wells Fargo. This amount represents over 3 monthly payments which they simply can not justify according to the detailed payment records that we have. 
This demand came as we were trying to close the sale of our home and would have derailed our sale if we did not pay up. In short we were held hostage by Wells Fargo and got nowhere with them as we were handed off to many representatives who only gave us generalities and no specifics about our detailed payment history and why we should owe them this amount of money. We want this money refunded and in light of the widespread fraud and financial irregularities recently uncovered at Wells Fargo would like this complaint fully investigated and each months payment verified that it actually was credited against my loan and not misappropriated
XXXX 's client XXXX XXXX is an identity theft victim ; someone used his information without his consent to try and obtain several credit cards however those applications were stopped due to his 90 day fraud alert placed on his credit reports. The fraudulent applications resulted in inquiries on his credit reports that he never authorized. A formal dispute of those items was submitted to each of the named creditors to have the inquiries removed however those inquiries are still being reported.
I have tried for the past 6 months to get XXXX bank to rectify a mistake they made to ch to chex systems. to the date of this correspondent this has n't happened. I have provided documentation to them, with them coming back and sayin that this this inforaation is accurate. Im exhausted with all the going back and forth with them not being held accountable
In XX/XX/XXXX we started having financial difficulty due to a large reduction of income ( 50 % ), increased housing expenses and medical bills due to a child 's XXXX injury. Since then we applied for a loan modification on our own, no attorney involved, at which time we were turned down for too much income. We then hired an attorney and applied for another loan modification that has been ongoing since XX/XX/XXXX. Of course we filled out all necessary paperwork that was needed asap, but the servicer still asks for the same paperwork over and over to this very day. We must get letters, XXXX or XXXX a month stating our file is incomplete and we have had over XXXX dozen case managers since the start of this all. For fear time was running out, our attorney said we needed to file XXXX XXXX Bankruptcy, which we did. During our filing, we were under the impression that we did n't need to make payments to the trustee until the BK was accepted. That was incorrect and the BK was therefore dismissed. During the few days we were not under bankruptcy protection, the servicer PHH foreclosed on our property without our knowledge. We never received notice here at our home nor did our attorney. We went in front of the judge to reverse the decision as we were still awaiting our modification loan response and were denied. So the bank legally owns our home, while we are awaiting our modification answer. We have filed XXXX lawsuits against our bank trying to explain that the sale was done illegally, without any knowledge of the sale and dual tracking. We have since had to file a XXXX bankruptcy to stay in our home which was denied due to the fact that we do n't own it any longer. All during the foreclosure process we have had contact verbally and through email with PHH, still giving them all the required documentation for the modification loan. So to that end, we do n't understand how our home was sold beneath us? How they can be reviewing our modification loan and still foreclose? We want to keep our home. We have n't gone through all of this. XXXX BK 's, several lawsuits, precious time and expense to just " buy '' time. We have XXXX young children who were born and raised in this home, with the same friends and in the same school system. I hear that banks do n't want to foreclose on homeowners however what else do we have to do to get our home back and our modification loan that we so desperately want??
On XXXX/XXXX/17, I noticed that my Transunion credit report showed that I had missed one of three payments. The missed payment was from XXXX. This account should 've been deleted from my credit report.
Did not investigate and report properly, I have been disputing this file/account for 6 months. Reporting high balance at {$3800.00} Reporting Recent balance at {$3900.00} how can the recent balance be more than the high balance. 
where is the last payment made reported? 
1st date of delinquency 1st major time of delinquency
I am the authorized representative for XXXX XXXX. XXXX XXXX is the consumer who they say owes the alleged debt. 
XXXX XXXX, XXXX first communication was an introduction of who she was, her appointment, threat that she would be taking my mother 's property to sell, threat that if I do not agree with holding open house she would seek permission from a court to sell my property, threaten if I do not agree with her demands the house would be sold at a lesser price because of my non compliance and last she urged me to call her if I did n't want those things to happen. 
On or about XX/XX/XXXXI did call her to ask her what she was doing, she said another debt collector had all the right to foreclose on the property. I told her I did not agree with her open house. She threaten me again and said I will get a court order to sell your house without open house. I told her she had no right. 
XX/XX/XXXXI sent dispute letter, irs, and copy of rescission no response. 
Second communication from debt collector, court order allowing sell of property without open house. 

XXXX XXXX, XXXX sent cease and desist letter. 
XXXX XXXX, XXXX Third communication from debt collector, commissioner 's fact sheet. 
XXXX XXXX, XXXX and XXXX XXXX XXXX. Foreclosure notices with private information advertised in the media.
I have disputed several negative several negative accounts on my TransUnion report asking that they be deleted because they I have not been provided with the original documentation with my signature on it.The following accounts are : XXXX XXXX XXXX acct num : XXXX XXXX XXXX acct num : XXXX XXXX XXXX XXXX acct num : XXXX
XXXX XXXX called my employer on XX/XX/18. My boss called me into the office and said that the lady on the phone told her it was a recorded line and asked to speak to me. When I answered this call, the lady gave me her name and stated that she was with XXXX XXXX. She then proceeded to state an address, last of SSN, and birthdate which was incorrect. I told her no. She asked if i received their letter in the mail. I did not. She then asked for a better contact after I asked for them to never call my employer again. I asked for all communication to be done in writing via mail. It has been a week and no letter in the mail. I check my credit report, and discovered that XXXX XXXX has done a hard inquiry on my XXXX  credit report without my consent or knowledge and are not on my credit report listed as a debt owed. I feel like this is harassment.
I called the collection company in regards to the account asking for them to send me a copy of sign contract that I signed with there office. She told me that the collection was sent to there company and that 's why it 's reporting. I asked her to delete the account because I never signed and authorized contract with there company this was with the University i attended. She stated that they do not delete because it was sent over by the school. I ask her to send me validation she sent over a contract from XXXX XXXX  and not there office
The balance in  my TD B ank account ending in  XXXX  is overdrawn  XXXX , this includes a reversal credit in the amount of  XXXX . This credit is for a disputed transaction,  XXXX  from  XXXX  of  XXXX . This is a fraudulent transaction, received no service from this merchant and have not done business with them . TD Bank refuses to further investigate, I was told prior by a TD Bank rep that the credit was supposed to be permanent as the investigation was closed.. However, they rev ersed credit on  XXXX , overdrawing my account. The credit card authorization form provided as proof was not signed by myself, fraudulent. I 've attempted to resolve matter directly with merchant, however, they will not refund charge. I 've stopped direct deposit to this account, please advise  TD B ank I refuse to pay this charge and account will go into collection unless they credit back this charge. Please do not mark this as duplicate, there is additional information contained.
I have been working with XXXX XXXX XXXX to settle my credit card debt and have been consistently mislead or lied to throughout the process. I recently sent them additional funds to pay off a small ongoing structure and XXXX XXXX relief says the payment will take a full month to be paid. This allows them to charge an extra month of account and payment fees, forcing me to send in another lump sum to cover those fees. If this lump sum takes another month to process, they will hit me with those same fees again next month.
Good morning, I have submitted a complaint on XX/XX/XXXX and was assigned Resolution Specialist XXXX XXXX and I informed her that I have signed purchase contract on my property. Closing date is XX/XX/XXXX, and now I have information saying the foreclosure is in mediation process and this is an issue with my titling company. They are unable to reach XXXX to receive a mortgage payoff. 
Please advise, XXXX XXXX
Several months ago I started receiving letter from cbe group stating I owed a debt and they are trying to recover the debt. I called and explain that 's not my debt and inform them to stop sending letter or contacting me. Since then I have continuous received letters over and over again. Basic harassment of a debt that does n't belong no to me.
We were in process of getting our Mortgage refinanced with Guarantee Rate, XXXX XXXX Everything looked good, our XXXX was good our credit scores are average of XXXX. We had a BK in XX/XX/XXXX where a XXXX Mortgage debt was charged off in XXXX. We settles with XXXX for {$20000.00} for them to remove the lien, however debt was at {$0.00}. XXXX just had the lien on but we did n't owe anything as the debt was already charged off. Guarantee Rate declined our loan stating that we short sold the property in XX/XX/XXXX. We did not short sale the property. We gave them {$20000.00} to remove the lien, but the debt was already charged off in XX/XX/XXXX. We got them a letter from XXXX stating this and they still declined us calling it a short sale. When we sold the house in XX/XX/XXXX, our XXXX was paid in full and since we settled with XXXX for them to remove the lien that was in XXXX position, at the time of the sale we did not have a XXXX mortgage. I am not sure how they are viewing this as a SHORT SALE. We argued our point, yet they still denied that. We are still being punished for a BK that happened in XX/XX/XXXX.
I have multiple inquiries on my report that is not of my own doing, I'm trusting that this will not be a long fought battle with the 3 major trusting reporting agencies that we all depend on to report accurate information that's proving by physical documentation. Inwhich is the law of the FCRA, the following Inquiries in question are the ones with the following dates,XX/XX/XXXX
I had a family death of my mother and she is in XXXX. My family in XXXX does not know how to take care of her so I had to do everything. Around this time we are having difficulties controlling our finances and business. We talked to AMEX and they told me after financial review that once I pay off the whole balance my cards would be reinstated. Instead 3 weeks later I still see it as cancelled. Please help me reinstate it.
My sister defaulted on a mortgage I helped her get I moved in with my new family she chose not to get a roommate milked the system for years and now I 'm in debt ... I just want to do deed of leiu so I can buy my family if XXXX a home and XXXX XXXX XXXX jerked me around after applying for their large lawsuit! Then shady transferred my account knowing I wanted to save the home and my credit yet still gave me to bsi financial in which I 've submitted XXXX loan mods to no avail!!! All I want is money to move into a new home w my family of XXXX and give this home up debt free! Nobody is cooperating! Please help us XXXX or XXXX XXXX
XX/XX/XXXX,,, Continuing Issues,, Yes I Did Received A Response For This Matter On Same Day,,, XX/XX/XXXX XXXX,,, But it Was From A Previous Complaint,, XX/XX/XXXX In Question,,, Well I Did Speak To,, Mrs XXXX XXXX ,, about The Issues But She Is Asking For More Input About These Problems, ( Quote ), If Wells Fargo Bank Is the One Who Messed up All The Paperwork up In Past,, How Can I Fix This? Now,, They Have Alot More Work To Do,, If They Was Making Things Right For,,, Victims,, And Loyal Customs,, Then They Would Have Solve These Messy Problems Already,,,!!!! And Me And Mrs XXXX Talked About ClassAction Settlement Payments,, She Really Didn't Talk About It Much,, But She Told Me To Call The Claim Line,, So Did First Time I Called I Got Fax Noise,,, 2 Time I Called The Was Busy, for a Least 5mins,, So Hang up And Called Again, Fax Noise, So I Didn't Call Anymore After That,, Now This Was Doing the Time They Was Taking Claims,, ( XXXX ) In XXXX For ( Unathorized Accounts ) XXXX,,? Settlement,, So With That Been Said,, Do I Think They Did Enough Work,, No,, Should They Reconsider This Issue,,, Yes
Hi ive recived a zero Blance letter from Main Street Acquisition Corporation # XXXX. And iam trying to refinac my home but the bank wants more proof than zero blance can you please help me with this problem if you can email me some more proof XXXXXXXXXXXX
Lockhart, Morris, and Montgomery have failed to provide verification of debt. They have uploaded an affidavit not signed by me stating that the debt is mine. An affidavit is not proper verification of a debt. Proper Verification of Debt would be the Promissory Note with my signature and XXXX as the original lender. They have failed three times to provide the contract between me and XXXX as they state exist. Please upload the a contract between me and united first federal. DO NOT MAIL SUCH DOCUMENT TO ME.
Experian has delayed removal of a default judgment reported on my credit report and made it difficult to submit supporting documentation online. Now after working on this matter for over 30 days, they have informed me that I must mail in my supporting documents thus delaying the corrective action even longer. I am in the middle of purchasing a home and need to have my bank prequalify a purchase but am required to work with Experian to fix the misreported information before moving forward with my loan approval process.     Thank you for your help to resolve this issue with Experian.
I presented the signed Authorization to release information to Wells Fargo on XXXX XXXX XXXX, XXXX, Oregon. This form was faxed XX/XX/2018 XXXXXXXX XXXX to XXXX. We subsequently got a call from a Wells Fargo agent who stated that I could have access to the information not have online access at all. 

We now want to get away from Wells Fargo and not be connected to them in any way or manner. They have not done anything to FIX this problem and have said conflicting things throughout our attempt to work with them. 

On a scale of 1-10 my stress level is 25!
My name is XXXX XXXX and I am a XXXX veteran. About three weeks ago I went into the hospital for treatment for a XXXX I have called XXXX XXXX. My finances have been messed up since I missed a benefits pay but I have existed. Most recently I forgot ( due to my hospital entry ) to cancel auto payments on a credit card and my bank account causing my account to become overdrawn. Since then I have scrambled to come up with funds to cover the OD   and I have been charged over {$300.00} in fees by citizens. I contacted them asked to have the fees waived. I exist on about 1000 a month or XXXX a week. These fees have me in such a bad situation my health is being affected because I cant afford a XXXX XXXX. I have borrowed and begged but I need assistance from the bank at this point. I am once person one drop in the bucket and your bank doesnt need my blood. Please I am asking you to not penalize a sick man. All of the fees you have charged me is putting me at further risk and even though I am young, I am XXXX XXXX bound, am unable to XXXX and relied on my nurse for most of my purchasing. While I understand you need to make a buck off the backs of those who use your services, this XXXX XXXX   doesnt have any more space on his. 

All of these fees came about because I didnt get a transfer because I was in the hospital and sick and forgot to transfer the money to cover my auto payments but I stand by the fact if the account was over drawn Citizens shouldnt have sent THEIR auto payments. They arent responsible for the auto payments I had with XXXX and XXXX XXXX but my account was OD by {$900.00}. And look how many were fees??? How is this not predatory! And my account is STILL Overdrawn!! 

I am asking that you help me recover these funds. 
Sustained OD on XX/XX/XXXX {$30.00} Returned item fee XX/XX/XXXX {$35.00} Sustained OD on XX/XX/XXXX {$30.00} Sustained OD on XX/XX/XXXX {$30.00} Overdraft fee on XXXX {$140.00} ( Citizen bill payments were sent on an OD account while I was hospitalized ) Overdraft fee XXXX {$35.00} Overdraft fee XXXX {$35.00}
FRAUD VICTIM. My bank on XX/XX/XXXX ran a report for business reasons and right after that 14 hard hits appeared I contacted all hard hits. I contacted XXXX XXXX  XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and told them I di n't authorizes these I sent in the letters and contacted the companies as I could not answer some of the questions was told they could or would not investigate and referred me back to credit report companies. 
This is the information that was found who tried to use my ID From my FIC report RECORD CREATION DATE XX/XX/XXXX EMAIL ADDRESS XXXX USER PASSWORD XXXX ID XXXX UPDATE DATE XX/XX/XXXX XXXX
XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Address ID XXXX Account number listed XXXX .... is listing account as XXXX $ as of XXXX/XXXX/XXXX date open XXXX Is falsely reporting to my credit as account closed/written off as of XXXX. 
I have sent certified mail to verify this account and was returned on XXXX and again XXXX/XXXX/XXXX which was recieved but no response to verify the account was legitamate and in fact my account. 

XXXX XXXX XXXX. XXXX XXXX XXXX, sc XXXX Address Id XXXX account number listed is XXXX Balance XXXX as of XXXX/XXXX/XXXX Listed as a Debt Buyer This is a debt buyer purchasing a debt that originated as a XXXX debt. date opened XXXX This has been reported as fraudulent activity multiple times to XXXX and instead of sending me proof of the debt they sold it and stated no longer liable. 
Was reported to for both the Debt buyer and original creditor as well as all 3 credit reporting agencies to be Validated and again no responce. I will also report to FTC and BBB As this report is to be removed from all three agencies immediately and in a timely matter. 

XXXX XXXX AAddress ID XXXX account XXXX debt amount XXXX as of XXXX/XXXX/XXXX this debt please remove as the above accounts tried to verify legitamacy with cretified mail and requests to credit agencies and no responces. This account is also going to be reported to FTC and BBB for both agency and credit bureaus for non compliance. 

MY REQUEST ARE FOR THESE ACCOUNTS TO BE REMOVED IMMEDIATELY AND IN A TIMELY MANNER i have numerously requested the credit bureaus to do the same and the disputes come back as complete but no proof is still given. I have opened a case with the BBB and the FTC over the accounts and the Practices of the credit Companys reporting. I want the account in question removed from all three credit reporting agenies immediately.
I contacted XXXX XXXX regarding this account notifying them that this account was not mine I never attended this school. I asked XXXX XXXX to verify this but they verified it was my account.
I spoke with legal advisory person and sent to the bureau the issue, the original account was opened more than seven years ago and still showing in my credit report. It was sent a letter to the XXXX credit bureau and requested delete those accounts, unfortunately still showing in credit. Respectfully I request your help. 
Thanks, XXXX.
Two years ago I fell behind on my mortgage when I had XXXX deaths in my family with life insurance. I was the main go to to person and had to come up with a lot on money to help with the burial. During this time I lost a lot of hours also. As a result I lost income and frrl behind on my mortgage.I have tried to do some sort of modification or re-pay plan with the Bank but they tell me that they will not do anything but rather foreclose my house. They have scheduled foreclosure.
Received a call from XXXX asking to verify delivery of legal document. When called back a recording states, " you have reached the location verification division please call XXXX. When that number is called it is the phone number of Alliant Capital Management XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX - XXXX Compliance - XXXX XXXXXXXXXXXX. 
I have determined it may be or posing as a debt collection company. I have no debt, no failed loans perfect credit.