WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a loan on XX/XX/XXXX, with a principal balance of {$310000.00} with XXXX XXXX XXXXXXXX dba XXXX. The previous servicer of the loan was XXXX XXXX XXXX XXXX. Caliber became the servicer of the loan on XX/XX/XXXX. A Chapter XXXX Bankruptcy ( Case Number XXXX ) was filed on JXX/XX/XXXX. additionally to an open appeal and oral hearing before the Bankruptcy Appellate Panel ( BAP ) ( Case Number XXXX ) where standing has been challenged. 

As a result of divorce in XXXX, and losing 50 % of my income, I became delinquent on the loan for $ XXXX, and they began foreclosure on XX/XX/XXXX ; however, foreclosure proceedings are moot and have been suspended pursuant to the active bankruptcy stay. 

I requested clarification of the balance of my loan and according to XXXX they owned it which was not legal and per XXXX could not be sold. Caliber claims that ownership of the loan has been transferred on multiple occasions but has failed to provide any evidence to that effect. They claim that the loans investor is XXXX XXXX XXXX XXXX, ( a Statutory Trust created in Delaware ),  and that XXXX XXXX XXXX, XXXX, is the trustee. I have contacted XXXX XXXX and they deny any involvement with my note. 

Caliber claims to be the loans servicer and I have filed varios modification requests which remain unanswered. They claim that a document filed by the Trustee reflects that as of XX/XX/XXXX, the bankruptcy trustee paid {$6300.00} to Caliber which is still unaccounted for in the recent payment history Caliber has sent me.

I therefore request that the CFPB get involved and audit this loan for fraud.
I requested my credit report from Experian on XX/XX/2016. I was refused a copy of my annual credit report. Experian mailed me a rejection letter stating I was sent a copy of my credit report in the last 12 months. 

I never requested a copy of my credit report in the last 12 months and never received any sort of copy of my credit report from Experian in the last 12 months. 

I need a copy of my credit report as I have been denied a refinance on my home. 
I applied for a mortgage with XXXX and XXXX XXXX XXXX and was denied because of my credit report.
On XXXX XXXX, 2016, I activated a Regions Cashback Rewards offer to earn {$75.00} cash back when I made XXXX transactions with XXXX XXXX XXXX of at least {$15.00} using my Regions debit card. I made XXXX transactions of at least {$15.00} on XXXX XXXX, 2016. Per the terms and conditions " Your {$75.00} Cash Back is earned within 30 days after making your second transaction. '' As such, the {$75.00} was earned on or about XXXX XXXX, 2016. To date, the {$75.00} has not been paid out by Regions bank, despite confirmation from that the purchases qualified. I have contacted Regions in attempt to resolve this matter prior to contacting the CFPB, however the response I received was that it actually takes 60 days to post these funds to my account. Unfortunately, that is in direct contravention to the explicit terms and conditions of the offer.
The company XXXX XXXX in XXXX, Florida responded only to refinances in complaint # XXXX. This was not a refinance it was a purchase. Not only did they refuse to respond to anyone regarding the question at hand. They also tried to overcharge the client with a closing fee of {$950.00} and attorney fee of {$450.00} and a doc prep fee of {$450.00}. 

I would like to know when someone in our government is going to do something about the affiliation of Real Estate Offices and Mortgage Companies with Title Companies and or Attorneys. It is ridiculous on how this can continue on. It actually does no justice for the consumer at all.
Greetings, I made a deposit at an on-premises ATM for my checking account with US Bank on XX/XX/2017 in amount of {$6600.00}. Checking account has been opened around 30 days ( or less ), but XXXX checks are drawn on US Bank. Customer service informed me that a seven ( 7 ) business day hold is being placed on my account due to Regulation CC. 
XXXX checks are US Bank Checks. XXXX check is my payroll check from XXXX. XXXX check is my business account at US Bank. 
Please, review and advise.
I would like the following information to be provided by my loan servicer, which is Bank of America : A copy of my Notice of Right of Cancel A copy of my Truth in Lending documents A copy of my Note My investor 's information as well as my investor 's modification criteria ( for example, how many modifications does my investor allow for the life of the loan ) If any of these documents are unable to be obtained, I request a full rescission of the loan. 
I applied for modification assistance, and have gotten nothing but notices over the last few months saying that I am being reviewed and I will receive a response within one or two weeks, ( the last was XXXX/XXXX/16 and stated next response will by XXXX/XXXX/16 ), but that final decision is never received. 
I demand to have a Customer Relations Manager who is able to review my loan for all options and have a decision with 30 days, which is a guideline that I know the bank already has in place, but for whatever reason they have failed to abide by. 

Thank you for your prompt attention to this matter.
National Credit Systems Inc placed on my credit that I was high risk for a debt that I was never aware of and a debt that they never made me aware of. I never received any call or any communications even though the XXXX XXXX creditor ( XXXX XXXX XXXX XXXX ) had all of my information ( my email and place of work that they needed for employment verification to even apply for the apartment complex has not changed in the past 3 1/2 years ; I was a resident from XXXX XXXX XXXX ; employed with XXXX since XXXX XXXX ). With that being said, I also never received a debt verification letter. I was only aware of the debt after I tried to apply with a previous residence and they told me I was declined because of the debt in XXXX. Keeping in mind that XXXX XXXX did n't even know who I was initially when contacted by the apartment complex I was applying for rental verification. Afterwards I went to XXXX XXXX to see what the problem was and I meet XXXX XXXX who is the current property manager. She was extremely unhelpful, of course, and before I was introduced she spoke to her assistant in front of me in XXXX ( she did n't realize that I spoke some XXXX ) about my situation. I asked her about the situation in XXXX and she told me that she could n't give me any information. The only information that she gave me was that they had me moving out on XXXX ( mind you the debt collectors reported " my '' debt to the national credit bureaus in XXXX ) and she said " something about carpet. '' She did n't furnish me with a list of infractions or anything, even after I asked her. All she said was that " she deals with this all the time '' and that it was " out of her hands. '' She gave me an email but was hesitant to give me the name of the person to whom I was sending the email to. The only notification I got from the National Credit Systems , Inc was after I disputed it with XXXX in XXXX and the letter states that they have already reported to all XXXX national credit bureaus. Still no debt verification or contact outside of that letter in the form of email, phone call, or even through my job ( I would n't even mind that if it meant paying a debt that I actually owed ). " We urge you contact our office to begin this process and to avoid other collection remedies available under the law. ''
In XX/XX/XXXX I sent a check to XXXX for XXXX knowing I would have a small balance left on my mortgage. Almost 30 days later I received the check back without an explanation. I called and spoke to XXXX ID # XXXX he said if I paid over 80 percent of my mortgage I would have to pay the mortgage in full. He gave me the pay off amount and I sent a check in XX/XX/XXXX for XXXX. Almost 30 days later I received the check back without any explanation. I called and spoke to XXXX ID XXXX. He told me that the check needed to be certified and gave me a new payoff amount of XXXX which was XXXX more. I asked if they could waive the increase and was told it would take 30-90 days. A supervisor by the name of XXXX XXXX XXXX was supposed to get back to me but never did. I was under a time restraint sent the certified check in for XXXX. Today XX/XX/XXXX I found out the XXXX reported a delinquency on my credit report for the month of XX/XX/XXXX. I called them and was on the phone for 3 1/2 hours. I spoke to XXXX XXXX, XXXX ID # XXXX, XXXX ID # XXXX, XXXX ID # XXXX and XXXX ID # XXXX who finally told me to call XXXX XXXX in the abundsman department. She asked me to email her asking for a courtesy credit adjustment. She advised me it could take up to 15 days because management had to review it. I asked her if I could speak to someone in management and she said no I would have to wait to hear from someone. I am trying to obtain a new mortgage and need this resolved in a timely manner. It's unbelievable to me that common sense of them receiving money and sending it back to me, the stress of taking 3 months to pay off my mortgage because of their " policies '' which were never clearly communicated in the first place and then they ( probably a computer generated program ) reports a delinquency which effects my credit score. How easy would it be to say - Yes I see that we kept sending the money back. I am very sorry. I will correct your credit report right away. I'm sorry. No, that was not the case. It was exhausting. Please help. This is a time sensitive matter and I should not have this effect my credit because of their incompetence. Thank you.
Underwriter at BBVA bank is using a credit report with a fico score of XXXX from XXXX XXXX where the real score is XXXX. I had XXXX credit reporting agency pull a mortgage credit report that shows the correct score of XXXX, XXXX points higher. I sent it in to BBVA but they wo n't consider a credit report from an outside source. They are denying my loan of {$80000.00} which is a 78 % CLTV and will only approve 70 % CLTV even though I qualify income and ratio wise. I feel there is obliviously something wrong with their credit reporting system and is denying me a loan I should easily qualify for..
I ssued a Macy 's s tore card in return for one day discount    XXXX   XXXX   XXXX   . Paid statement    XXXX   XXXX   XXXX   . Received another bill ..   XXXX   XXXX   . Requested explanation. No acknowledgement or communication from Macy until    XXXX   XXXX    requesting {$150.00} payment. Requested identification of source of statement. Customer service responded by sending statement after statement for about six weeks with no source purchase mentioned. End of  XXXX  received packet of statements with a single entry for {$17.00} dated    XXXX   XXXX   n o year.
Dear Bank Of AmericaMy loan was transferred XXXX 2014 to XXXX incPrior to transfer I received a permanent modificationMy challenges areThe modification payments were not applied to loanThe accounting ledger Bank of America providedWrote off XXXX deferred amount due upon sale or payoff of loanWould you clarify details of sale to or servicing to XXXX
On XX/XX/2019, I mailed a Validation of Debt Letter to the collection agency, IC SYSTEMS COLLECTIONS. 
They are reporting to the credit bureaus that I have a debt for XXXX. 
I have NEVER received any information about this debt in the mail or via phone call, before it showed up on my credit report. 
It has been 30 days since IC SYSTEMS COLLECTIONS has received my letter, and HAS NOT RESPONDED.
I have been trying to get several things resolved on my credit report so I did request all three bureaus to look into several accounts. There was an account with XXXX XXXX -XXXX that I questioned because they did not even show the complete payment history. I requested all information and they did not provide they only only reported a charge off date. Indicating it was not researched.
To make a very long story short, debt collector XXXX XXXX XXXX for XXXX XXXX XXXX is not in the business off collecting debt but stealing funds as they please. They attached my bank accounts and wages 3 years ago. When I called to find out for what account, how much I owed, and why I have n't received correspondence I was rudely spoken to and hung up on several times by a XXXX. I ended up having to go to them in person to have my questions answered and address updated. It was then that I told them they can call me, my phone # has been the same but addresses change. The statement they ended up sending me did not make any sense. The original debt was {$800.00}. Now somehow it 's over {$2500.00}, so I disagreed with what was owed. Also due to the attachment and wage garnish, they were receiving payments from me. They failed to send me records of this. I never received or heard from them for 3 years, no calls and no mail. Time passed by and I forgot about the whole ordeal until another attachment to my bank account was made this time taking close to {$2000.00}. I called this morning to find out how this can be happening again. They said it 's my fault I should of called them when I moved. I called the court to see where they have been sending my mail and it 's to the same address prior to me changing it with them. No one lives at that address, I told them that before. They 've never filed with the credit bureau so I would n't of known that way either. The original debt is over 13 years old, I really do n't know how this still exists. I tried calling to set something up for repayment but again rudely spoken to by the same XXXX. This time I was prepared and did n't allow it to hurt me. I am a XXXX mom with a XXXX XXXX  old baby. This debt collector has not tried at all to contact me effectively. They withdrew every dollar I had in my account, my spouse 's as well because we have joint accounts. My rent is due in a few days, it 's now gone. I 'm out on XXXX XXXX so not working. I 'm only XXXX XXXX XXXX because I believe the Lord is my provider and will get my family through this. I am not disputing I owe a debt but the amounts appear illegitimate and the debt collectors handling is inhumane and unsympathetic.
A third party debt collector Portfolio Recovery purchased two collection accounts and is now trying to have me pay them for debts that were not legally obtained. Now I am being harassed by multiple phone calls to my house as well as my cell phone. I have sent a debt validation certified letter for both accounts directly to Portfolio Recovery on XX/XX/XXXX. The certified letters were available for them to pick up XX/XX/XXXX @ XXXX. As of today XX/XX/XXXX they have chosen not to pick up the letters all the while continuing to call my home and cell from different phone numbers. 
One of the amounts that have been charged off is for {$1200.00} and the other is for {$1100.00}
I have given authorization for my real estate agent and my husband to have information about the loan and to receive information. However, when they called, Ocwen representatives refuse to give the information, release information and or discussion any aspects of the loan. This is another example of why these processes do n't work. Banks, lending institutions, and loan servicing companies act like loan sharks because they hold the consumers credit worthiness in their hands and they show no compassion for the consumer. They are only after their money and not willing to resolve their issues or concerns. I am currently trying to work through the process for a short sale and I 'm getting resistance every step of the way. It 's not about getting to a solution, but making this miserable for the consumer. The solution should be simple, let 's get this property sold as quickly as possible before it will no longer command to market price it should. I asked a representative for a copy of the policy that gave directions to give my agent and husband when calling to make sure they were following procedure and they were unwilling to provide me with a copy the policy that would help facilitate all parties were able to give the correct information to discussion my loan. If there is a policy, Ocwen 's representatives should be willing to share that information with the consumer. To deny the people I have given authorization is an injustice and they should be cited for their conduct.
A request for review and immediate assistance in the resolution, ( as filed with the Circuit Court of The County of XXXX, Virginia ) Wells Fargo Bank , NA XXXX f/k/a XXXX, as successor in interest to XXXX XXXX XXXX XXXX, XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Through Certificates, Series XXXX, et al. XXXX XXXX, Trustee ) of this issue. 
My concern is that the above parties have not addressed the loan and its origination in XX/XX/XXXX. The original refinance included both XXXX and XXXX XXXX as noted in the attached documents. When this was declined due to interest rate by the XXXX 's, the mortgage company offered a " better rate '', but this time did not include XXXX on the contract. Instead they used my income alone, which at the time was approximately {$33000.00}. This income in no way qualified me for such a high mortgage, but the approval was granted, which is also noted in the attached documents. 
I strongly believe that this loan was predatory in nature and during the life of this loan and the multiple opportunities by the banks and financial institutions who bought and sold this loan, there was no due diligence. XXXX 's name could have been added during the review and approval process. The attempt by the parties listed above to add XXXX 's name to the deed of trust at a later date in order to foreclose on the property and not to correct their error of the past is in question. And, until XX/XX/XXXX when XXXX XXXX lost his job and the payments could not be met, neither the original mortgage companies, banks, trustees, etc. thought to review the documents for accuracy. 
Document review is part of the process and could result in some errors or omissions, but the fact that I did not qualify would have been glaring throughout the process. Financial institutions ensure that the consumer has signed all required documents and all errors are corrected, why was this omission noted as an oversite, accept when the plaintiffs wanted to foreclose? 
A request was made for mortgage assistance/modification and was denied with a letter dated XXXX XXXX, XXXX, noting that " the approval must come from the investor that owns the mortgage and this has been declined. '' A letter to the XXXX 's dated XXXX XXXX, XXXX notes regarding " fairly common practice '' and possible payment to the XXXX 's to have XXXX sign a correct deed of trust, is this proper? 
Please also note that I personally have not been officially contacted regarding the sale of the property, as my name is the only XXXX on the mortgage and the deed of trust. The sale is scheduled for XXXX XXXX, XXXX. I am not residing at the residence due to pending divorce, but XXXX is in the home. Change of address is on file with the attorney representing the plaintiffs and is duly noted by the attached envelopes, and previous phone calls made to my cell phone during past court proceedings. I should have been directly notified of the actions, I found out via a call from XXXX XXXX.
To begin with I have a FHA loan with Wells Fargo. Initially they stated I had abandoned my property and they attempted to escalate the foreclosure due to the abandonment. At this time I still lived in the property and wanted to keep it. Next I was able to get in touch with the foreclosure attorney to advise of my intentions. I went through the process of trying to get a modification and it was declined within a week due to affordability. I disputed this decision due to I received a pay increase and bonus money since the documents were submitted. I asked about an appeal due to the additional income. The agent XXXX tried to dissuade me from submitting an appeal and basically saying there was nothing I could do. When I went to ask additional questions the phone hung up. I attempted to call back but could not get through. Wells Fargo is intentionally trying not to do a modification due to this being a government secured mortgage loan. They raised my payment entirely high before to make the home unaffordable. Please review my case and review this call from XXXX. I believe Wells Fargo is engaging in unfair and deceptive business practices. Please review my case for a resolution.
I have an Health Savings Account ( HSA ) at People 's United Bank established when I worked for a previous employer. I have not made deposits or redemptions from this account for over 3years. The balance of the account is less than {$1.00} ( actually {$.00} yes that is correct XXXX CENTS ). I received a notice from People 's that the account was dormant and that they were going to charge an " inactivity fee ''. I called People 's customer service number to close the account and was told I need to do it in person at a People 's Bank branch. I then sent People 's a letter indicating I wanted the account closed and received a reply that a notarized copy was required. I have received today a notice that People 's bank has charged me an " inactivity fee '' and the balance is - {$3.00}. I called People 's again and asked that the account be closed and was told again that I need to visit a bank branch to do so. I do not understand why closing the account either online or verbally is an issue. I refuse to take time away from my life/job/family for less than a DIME. I electronically signed documents for other lenders ( a $ XXXX car loan for example ), never setting foot in the credit union branch - How can closing an account that holds {$.00}!! be so difficult?
I had received numerous letters from my mortgage company about refinancing, so I contacted in them in XXXX 2015 and completed the application and submitted the required documents. The appraisal was ordered and completed and I was sent a copy. I waited to hear back from the processor as far a closing date. After not hearing a status update for quite sometime I contacted the processor and the processor told me that there were judgements against the property and that was the delay. I was told that as soon as the title was cleared I would go to closing. I have a very common last name and I mentioned that to the processor and also that these judgements were not valid. I monitor my credit every 4 months thru XXXX and nothing had ever appeared on my credit report. Also, I ' am very sure that if these were valid they would have been an issue from the beginning of the process. I was sent a copy of these judgements and none of the names were matches or were even close to my name, social security number or my address. I became frustrated with this process because I was not getting any cooperation from this processor or the title company in clearing the title in order to get this loan request to closing. I was never given the name of the title company and was never contacted by them in order to try to clear up this problem. I sent an email to the processor stating that I was ready to contact the Banking XXXX or any agency that could assist me in getting this problem cleared up. One week later I received a Credit Denial letter stating that there judgements on the tittle and that was the reason for the denial of my loan request.
The company I C SYSTEM INC has listed a debt on my XXXX  credit report in the amount of {$75.00}. I've repeatedly disputed that the debt is not mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life.