WillisBack/dataset-financial-user-claim huggingface dataset:
I bought my home in XXXX and refinanced with XXXX dba XXXX which sold the loan to XXXX in XXXX. There have many different Servicers and the most recent on is Caliber which had its licensed revoked in the State of California. by XXXX XXXX XXXX Deputy Commissioner XXXX XXXX XXXX Assistant Chief Counsel XXXX XXXX XXXX ( State Bar No. XXXX ) Senior Counsel Department of Business Oversight XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX The ruling stated : NOW GOOD CAUSE APPEARING THEREFORE, it is hereby ordered that the residential mortgage lender and servicer license issued by the Commissioner to Caliber Funding LLC is hereby revoked. This order is effective as of the date hereof. Pursuant to Financial Code sections 50310 and 50311, Caliber Funding LLC has sixty days within which to transfer its existing service accounts and complete any loans for which it had commitments. Dated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, California Commissioner of Business Oversight By : XXXX XXXX XXXX Deputy Commissioner Enforcement Division. 

Yet during XXXX I sent Caliber over {$20000.00} USD which were not applied to my alleged account. ( See 1098 and Trustee Letter attached ). 

Pursuant to RESPA, TILA, FDCAP, FAC, etc. I requested further information from Caliber, XXXX XXXX acting as a Trustee, and the alleged Trust that has my note, XXXX Master Participation Trust and they have failed to disclose this fact to me. 

They keep attempting to foreclose on my property even though my wife has filed a Chapter XXXX BK and has an automatic stay in place. 

They have even sent drones and taken pictures of my home and family without my permission which is totally unlawful in XXXX.
Experian and TransUnion are reporting a 30 late in my XXXX XXXX XXXX as wrong information. 
I have contacted the XXXX XXXX XXXX  credit card issue and they told me that they have reported to the credit company to remove, but Experian and XXXX is decline to remove the 30 late from a report stating 30 Days Past Due and declining to remove from the credit file.
I have a HUD reverse mortgage. 
I have a negative balance of {$4900.00} to which I am paying {$89.00} per month. I am current in my payments. 
I had a fire to my home. The insurance has paid {$200000.00} which was submitted to Wells Fargo in XXXX. Wells Fargo is holding {$190000.00} and has released {$10000.00} on the condition that they will not release any further funds until the home is 50 % repaired. It is impossible for me to repair {$100000.00} worth of damage with {$10000.00}. Wells Fargo is stating this is HUD 's policy. Therefore I am unable to repair my home and Wells Fargo has not provided any solution while holding {$190000.00}. I have complied with every request from Wells Fargo and was advised that they were releasing {$49000.00}. It has been almost 4 months and I still can not begin repairs to my home because Wells Fargo is holding the funds.
I began aggressively disputing the below accounts in XX/XX/XXXX, I however have been disputing the accounts since XX/XX/XXXX when they first appeared and was reporting positively because they are not my accounts. <P/>1 ) XXXX XXXX XXXX 2 ) XXXX XXXX My initial dispute online was I had no knowledge of the accounts. I had one XXXX account that is closed and positive and no knowledge of XXXX at all. <P/>In response the credit bureaus 1 ) told me the debt was valid, 2 ) reported it as fraud 3 ) there 's another account with similar information as mine and asked me to send in identify evidence which I did. <P/>Because of their response, and due to my confusion as to how you can say its valid and fraud and say I may have 2 reports, I then sent TWO letters (XX/XX/XXXX and XX/XX/XXXX ) asking for validation for the debt since they were stating it was a verified not validated debt. <P/>What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account but a temporary fraud alert would be placed. I was even told my dispute was frivolous because I asked how can they determine a account is valid but say its fraud all in the same breath. <P/>Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT BEING FRAUD BUT VALID. <P/>FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information. <P/>
Inaccurate reporting is occurring because : 1 ). They claimed it is a fraud account but also said they were able to validate it.
2 ) The bureau claimed to have investigated the validity of the account, but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.
My son attended XXXX University XXXX I was remarried to a man who was not helping me pay for my son 's college. But the financial aid department ignored my letter stating this fact and included his income in determining my son 's financial aid my son took some loans in his own name and I unfortunately took Parent Plus Loans. This being said my son went to XXXX school and took loans for that too so therefore he can not help me. When Navient had my loans at XXXX at a good interest rate of 2.5 % XXXX at the horrible rate of 8.5 % when I told them I could not afford the payments of over one thousand dollars a month for these loans they suggested forebearance and of course interest accrued on these loans. When I came off forebearance I consolidated the XXXX loans at 8.5 % the first year the put me in a pay as you earn payment plan to be revisited each year with that plan the loan were affordable. When it was year two I had to send my tax returns in and my payment went up drastically when I called for an explanation I was told they made a mistake the previous year that Parent Plus loans do not qualify for Pay as You Earn Repayment Plans only Income Based Repayment Plans. They said based on my Tax return I could afford the payment ... ..they do n't consider all my bills. I have already been in debt management after divorcing the man who ruined me financially. My first husband died at a very young age leaving me to raise my son and my XXXX daughter alone. That is why I went for the loans to give my son the best education I could, not realizing what those loans were actually going to do to me.
URGENT - SHERIFF SALE TOMORROW - XX/XX/2015Hi. I was fraudulently turned down on a loan modification. 
XXXX XXXX is investigating the problems but I just called and he did not pick up. 
His voicemail says he will return the call within 24 hours and by then my home will be sold under a Sheriff Sale. His phone number is XXXX x XXXX. 
Please call him. 
Three weeks ago, I got a call from Wells, Fargo Home Mortgage that my loan was denied because it was over {$720000.00}. I applied on XXXX/XXXX/15 for a loan modification with a loan over {$900000.00} ( Wells, Fargo knew this and sent me the paperwork ). 
I called to say " how could this happen? ". XXXX XXXX told me I was grandfathered for the XXXX loan but the reason I was turned down was I did not provide a profit and loss statement for my real estate company. I do n't have a real estate company and no one contacted me about this. They just want to get rid of my home! 
Then, XXXX XXXX sent me a letter stating that she wanted to help me, but it is to late due to the Sheriff Sale. How can this be? The bank can stop the sheriff sale anytime they want to do it by just calling their attorneys. 
Then I got a call from XXXX XXXX and he said he is investigating the whole matter but that was just last Thursday and the Sheriff Sale is tomorrow. I do n't know what is going on but this in not right. He must stop the sheriff sale so he has the time to investigate this matter ASAP & gt ; Please help me. Thank you, XXXX
I have disputed this item twice this year, experian continues to update the dispute as accurate not making any changes. I tried to contact the creditor at the the phone number and address listed on my credit report as contact information for XXXX XXXX. The address in in accurate, the phone number when answered is 1st Franklin -- told by 1st Franklin that they purchased XXXX XXXX and that they have no information in their system in reference to me, that the account was paid and never late when no longer in their system. 
I pay for credit monitoring thru XXXX and have called XXXX and called XXXX  and they continue to ignore this situation. XXXX is not complying with federal law, they have no proof of the account only a statement, they do not provide me with accurate information to contact the creditor, etc. 
Credit Report # XXXX Account NameXXXX XXXX XXXX # XXXX Account NumberXXX Account TypeNote Loan ResponsibilityIndividual Date OpenedXXXX StatusClosed. {$450.00} written off. 
Status UpdatedXXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$65.00} Original Balance {$450.00} Highest Balance {$0.00} Terms 7 Months Payment History show tooltip button Tap a month for more informationShow payment legend XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CLS XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 XX/XX/XXXX 60 XX/XX/XXXX 90 XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO Historical Info First ReportedXX/XX/XXXX Original CreditorXXXX XXXX XXXX Creditor Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Comment show tooltip button Purchased by another lender. 

Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
On XX/XX/XXXX, I wrecked my vehicle. On XX/XX/XXXX2018 two checks were sent out to pay towards my car loan by XXXX. The payment was in the amount of XXXX on my XXXX loan. XXXX has been wonderful however, the lean holder Santander Consumer USA has stated they have yet to receive either checks from the insurance company. A month passes by and Santander has not contacted me and has charged me a late fee. I have proof that the insurance company has paid out however I believe that the company does not want to cash out the check in order to continue to accumulate interest as well as late fees. I then contacted my insurance company and informed them of this so XXXX  contacts Santander Consumer USA and the lean holder requested that the insurance company resend the funds.This included the account number as well as the date. XXXX then sends the funds yet again in the amount of XXXX on XX/XX/XXXX. Still They have not reached to me and on the insurance company 's end the case had been closed. ( meaning the the lean holder has collected the check ) They have yet to allocate the check towards the principle balance. At this point im collecting interest, receiving late fees, and not getting a clear answer from the Santander. I have also called several times asking to speak with a manager or the department that handles the negotiations of loans however the reps tell me that I am not permitted to speak with that department. When speaking to a manager the manager refused to read the contract to me and also disconnected the call. At this point I feel that this is consumer abuse and that I need to place any additonal charges to a halt. Please Help!!
On XX/XX/XXXX, I bought a XXXX Toyota Camry with VIN XXXX FROM XXXX XXXX that Ally financed. Initially, I made a {$3500.00} down payment and the balance was {$13000.00}. 
My payment records show that I have paid a total of {$5400.00} between XX/XX/XXXX and XX/XX/XXXX. This will bring my balance ( before interest deductions ) to {$7600.00} ; however, my actual account balance at Ally ( excluding interest ) stands at {$9700.00}. What this goes to show is that I have paid a total of {$2000.00} in interest ( according to Ally my APR is 10.75 ), charges and hidden fees. 
I believe that Ally has either charged me excessive interest or levied hidden fees on my account. This is evident in the consistent late charges that Ally imposed on me even though I have paid my monthly payments ( with the exception of 3 occasions when I defaulted ) on the due date or within the 7-day grace period. 
I have documentary evidence to show that all the bank payments posted within XXXX business days, yet Ally charged me late fees. Below are some of the late fees and dates : XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$32.00} XX/XX/XXXX XXXX XX/XX/XXXX {$14.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$40.00} Earlier this year and in the last two months, I have disputed these charges in letters I wrote to Ally. In my letters, I also requested a full explanation or clarifications of all my charges or a full refund ; even before I received a letter from Ally that I am eligible to " receive a credit ( {$200.00} ) as part of their legal settlement for discriminating in auto financing. 
I am not satisfied with the explanations that XXXX XXXX, the bank 's Executive Customer Relations provided ; hence my complaint.
In a Consumer Credit Report from Equifax dated XX/XX/XXXX is shown the following : 1. XXXX XXXX obtained a consumer report about me on XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX obtained a consumer report about me on XX/XX/XXXX XXXX. The XXXX XXXX XXXX XXXX obtained a consumer report about me on XX/XX/XXXX I have no account with any of the inquirers, I did not authorize any of the inquiries, I have a permanent security freeze in place on my file, and have opted out of promotional lists since XX/XX/XXXX. Also, there should be a permanent fraud alert on my file.
I ordered the Chase Sapphire card to receive the XXXX points bonus for ordering it. I was going to XXXX for a once in a life time trip. All their advertising was based around this and when using it for travel they add an additional 25 %. If you look at all their advertisements never does it say that you must book with Chase travel. I never even heard of Chase travel. Nor when I received my credit cards did I receive anything that told me I have to book with them to receive the additional 25 % off. I called twice with the same result. Each time I finally reached a manager I was Told sorry but that is too bad and that I received a booklet with my cards. NO I DID NOT! Plus they were bullies. Their is nothing wrong with the card itself it is Chase ripping off consumers. I am just sick of having no power when they did not do what they said, about sending a booklet. Once again I wonder how many people even know about their travel agency?
Account that I never over drafted to my knowledge. It shows I had XXXX accounts when I actually had XXXX. These people tried to pin XXXX accounts on me that I did n't know existed.
I started a loan modification program with Well Fargo in XXXX 2016, I made the XXXX trial payments in XXXX, XXXX and XXXX of 2016. We are now into XXXX of 2016 and the plan is still in limbo, I have had nothing but difficulty in getting this resolved with Well Fargo, as I have made over XXXX phone calls and ca n't get no-where. I have had XXXX different people assigned to work with me by Wells, the last XXXX named XXXX XXXX, has been extremely difficult to work with. I recently asked to speak to the manager of his department, I left a message for her, but have never received a return call. When I do get a live person in their modification Department, they always look at my account, they say everything looks good, so they place me on hold, so they can contact the title department, once they come back they always say, the title department says all is good and will be mailing out your paperwork to sign. Unfortunately, this paperwork never comes. Recently, I received a phone call from XXXX XXXX, he left a message saying that I would now need to file an appeal since the time frame for completing the paperwork had lapsed. 
This was the last draw, I have sent them everything XXXX to XXXX times, so they are going to punish me for their incompetence? I have more then jumped through hoops for these people, I have not missed a payment, but they seem to move the finish line each time. I can never get a straight answer from them, it 's just maddening.
After having XXXX removed from my XXXX with a doctor flown in from XXXX to XXXX my insurance paid for the procedure. It was a couple of weeks I went back in for a check up, and the local Doctor saw a XXXX on my forehead, he froze it and could n't make up his mind which XXXX it was. He tried to say it was the same one " XXXX '' but it was not. I later get a bill from him which my insurance refused to pay. He is a quack and tried to charge me for something that was untrue. I refuse to pay for a bogus charge.
This collection company has reaged my debt without my permission causing in my credit score to plummet GEN BUS RECXXXX XXXX XXXX XX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency GEN BUS RECOriginal Creditor XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsGENERAL BUS RECOVERIES XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
I have a Car loan for a XXXX Cadillac escalde. I have Fell behind in payments and was concerned I hired a power of attorney to help me out His name is XXXX XXXX He has been doing his job He sent a cease and desist letter to the creditor and they call me non stop and are harassing me daily They even call third parties for me such as my son in aw and my son in law mother It is ruining my family slowly and is embarrassing What else can I do? Also they have now started to take my wages from my paycheck I had no notice of this No paperwork, nothing in fact of this How is that right or fair to me? Why do they harass me? Why are they taking my wages with no notice to me? The creditor, loan company is total finance, they are located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX, XXXX their phone number is XXXX I have all phone records as proof I also have all the voicemails I have my paycheck for proof of the garnishment I also did my research on this company and found they are notorious for breaking laws Such as not reporting correctly to the credit bureaus also giving people vehicles with bogus social security numbers and very high interest rates that change from the dealership to the paperwork I really need your help to stop them from breaking the laws please I do not know what else to do XXXX XXXX the power of attorney sent the cease and desist with conformation received from them on XXXX XXXX 2015, and XXXX XXXX 2015 They tell XXXX their attorney will call him and they have never called him not one time they call me daily they leave robot voicemails and live voicemails on my cell phone which I also believe that robot message on a cell is illegal Its a fact they are a bogus company that break laws its public information and also have attorney general reports on them
A Representative of ARA continues to call & harass me over a time-barred debt with XXXX XXXX XXXX. I have been threatened with law suit filing and have continued to advise that this debt was disposed of 15+ years ago. I have asked the representative to cease and desist yet they continue to harass me with threatening phone calls.
I sent certified letters to all three credit bureaus requesting an investigation and deletion of the cash net USA from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. 
And they have ignored me.
Re : XXXX XXXX XXXX ( AND ) XXXX XXXX Additional information to add to original complaint. BOTH TU and XXXX XXXX are reporting derogatory illegal inaccurate reporting under FCRA. They are both showing ( 2 ) Federal Bankruptcy filing as opposed to ONE! Enclosed hard copies reflect from the court, the ( 1 )  federally approved Chapter XXXX bankruptcy filed. Both XXXX  and XXXX  contacted the XXXX XXXX Federal Court in Texas and verified the facts. They both removed the reporting or corrected my credit file. However not TU or XXXX XXXX. 

2 ) In addition, please see the attached records. Where both TU and XXXX  are now reporting a XXXX XXXX XXXX " hard inquiry '' from XX/XX/XXXX. Since my credit file was froze during that time frame ... .How can it be, that XXXX XXXX was allowed to make any inquiry? Never-mind a hard inquiry ... Dropping my score causing me further harm. 

3 ) Therefore, please accept the enclose additional claim. To " add '' XXXX XXXX a subsidiary of XXXX. For reporting 2 as opposed to one bankruptcy filing. In addition, for reporting the XXXX XXXX hard inquiry. When based on material evidence my credit file was considered froze. 


4 ) PLEASE SEE ATTACHED MATERIAL HARD COPIES OF EVIDENCE ; PLEASE CONFIRM TU AND XXXX CONTACT THE FEDERAL COURT TO CONFIRM ( ( ( ( 1 ) ) ) ) FEDERAL BANKRUPTCY FILED FROM XXXX. As opposed to ( ( ( ( 2 ) ) ) their reporting is showing that the one filed from XXXX was " discharged ''. The court will confirm. There is ONLY Claim, one Case No. and one Federal Discharge in XXXX. Please see the court record attached. Thank you
My husband purchased a 3 bedroom townhouse in XXXX XXXX on XX/XX/XXXX. The loan was with XXXX XXXX XXXX. My husband XXXX on XX/XX/XXXX and willed the house to me. I always paid the mortgage payment online. On XX/XX/XXXX XXXX XXXX XXXX started communicating with that I was in areas. They alleged that my last payment was XX/XX/XXXX. They accelerated the loan one month later on XX/XX/XXXX. I continued to make my payments online and they accepted the payments XX/XX/XXXX; when they sent my account to Carrington Mortgage Services. When Carrington received my account they would not accept any payments ; however not before XXXX XXXX XXXX filed foreclosure on XX/XX/XXXX while my account was current. XXXX XXXX XXXX would n't accept my bank records or my continued calls asking them to research the situation. They just would n't entertain my attempts to show and prove that my payments were current. Recently I spoke to a person at Carrington research department and she wanted to know why I had n't made payments to them. I told her that every time I sent a payment would n't accept it until I pay the past amount due which is in the thousands now. For at least a year now I have sent Carrington all the documents they have ask for. My husbands XXXX certificate, succession papers, complete bank statements, also my bank has sent official document showing electronic payments to and accepted by XXXX XXXX XXXX, a long with amounts paid- last four of  the accounts and electronic tracking numbers. After all the documents that I have sent now they are asking for copies of front and back cancelled check ; which of course I do n't have because the payments were paid electronically. I am XXXX years old and XXXX, I rely on my daughter to help me with actives of daily living. I do n't want to lose my home. I do n't know what lese to do PLEASE HEPL! I 'm on a fixed income and can not afford an attorney.