WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage is currently serviced by Caliber Home Loans ( CHL ), who took over servicing for XXXX ( XXXX ) on XXXX. XXXX adjusted our escrow account without notification, causing our normal monthly payments to fall short when paid. CHL then proceeded to forcefully lock us out of our home without warning, which is a clear violation of RESPA law. They hired XXXX ( XXXX ) to take this action and advised them not allow re-entry into the property. Then CHL proceeded with foreclosure action and set a sale date of XXXX, ultimately postponing it to XXXX. CHL has recently allowed re-entry in to the property, but during the lock out period the was severely vandalized XXXX see attached. Since the vandalism took place during the lock out period, the liability falls on CHL. CHL refused to take action the repairs and clean up needed, ultimately forcing us to file a personal insurance claim. The vandalism reached extremes when my pool fence was removed, leaving my swimming pool unprotected. This ultimately led to a serious fine from the city. I have sent a QWR and XXXX Demand to CHL, requesting that they prove up the validity of the debt. CHL has refused to respond to this request, stating that they are proceeding with foreclosure activity. Caliber has refused to take any action to remedy the current problems. I feel cheated and deceived by CHL, therefore I am seeking your assistance on this matter.
XXXX XXXX has submitted to the collection company Hunter Warfield unauthorized charges for cleaning fees from apartment I lived in for 1-year until XXXX/XXXX/XXXX California Civil Code Section 1950.5 States : " The tenant is not responsible for damages resulting from normal wear and tear You can not charge cleaning fees for conditions caused by normal wear and tear during the tenancy or previous tenancies, or for cleaning a rental unit that is as clean as it was when you moved in. '' Civil Code Section 1950.5 ( b ), ( e ). 

The lease agreement states : That I agree to leave the premises clean and in the same condition received, except for ordinary wear and tear. I left the premises in better condition then I received ( included are photos of the dirty apartment when I moved in ). According to the lease, California Civil Code and California Tenant Rights : when I provided my 30-day notice I 'm entitled to an " initial inspection '' that requires a list of proposed deductions beyond normal wear and tear. This inspection was scheduled on XXXX/XXXX/XXXX to be held on XXXX/XXXX/XXXX from XXXX-XXXX and no one showed up. I have phone records showing I called and talk to manager XXXX XXXX and she never got back to me, and no one showed up for my scheduled initial inspection. Under California Tenants ' Rights, the initial inspection shall provide itemized statement of intended deductions beyond normal wear and tear. 
The cleaning fees that Sequoia equities is charging are from normal wear and tear, which under California Civil Code Section 1950.5 I 'm not responsible for because I left the apartment in better condition and received my full deposit back. They have no documentation, stating that the cleaning fees are from beyond normal wear and tear because they never showed up to the agreed initial inspection providing me with the proposed deductions and the opportunity to fix any identified deficiencies beyond normal wear and tear. 
On XX/XX/XXXX I sent a letter to Hunter Warfield disputing these claims by providing evidence and asking them to validate the debt within the required 30-day period. Under the Fair Credit Reporting Act they are in violation by reporting these claims to the bureaus some 4-months later with no accurate validation required. After not receiving the validation. I contacted XXXX XXXX on XXXX/XXXX/XXXX no response so I called Hunter Warfield again on XXXX/XXXX/XXXX at XXXX pacific and talked to XXXX asking again for Validation they said " NO '' then a manager got on the phone and I asked him the same thing he said " NO '' then hung-up the phone.
I travel a great deal and am frequently locked out of my account because JP Morgan 's online service ( via Chase ) does not " recognize '' my computer. By this, it appears it means that if I sign in through different IP addresses, it will not let me into my accounts. This is a really problem. I do not have an email address or cell phone number that I want it to have or use, in part because it abuses each with unwanted ads and selling this information for profit to other marketers. Neither of these is particularly secure either, especially if written text is generated.
Yet when I call in a toll free number that comes up on the screen after I am locked out of my online accounts, I get automated machines, long wait periods and inaccurate information in so-called security questions that I am suppose to confirm if I want to get back into my accounts online. This process alone, of being forced to confirm inaccurate information that it is clear the automatons at the other end of the phone line have, distorts credit reporting, banking security, and access to my accounts, while degrading my credit score, and increasing the chances of identity theft.
The antiquated technology of online banking inconveniences anyone who travels frequently, increases the chance of identity theft ( by promulgating inaccurate information that I have to claim is true if I want into my accounts ) and wastes enormous amounts of my time, while routinely denying me access to my own money and accounts at JP Morgan. There is no one to call to take care of such idiotic and systemic failures other than mindless machines and customer service people who themselves are programmed to enforce inaccurate information as a condition of correcting the abuse of the company that routinely denies me ready access to my money and accounts.
I obtained a loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX for the amount of {$14000.00}. I paid on the car up until XX/XX/XXXX, 9 months before my loan should have been up but it was repossessed by XXXX XXXX after I spoke with them and set up a payment plan. I owed a payment and a half {$530.00} on the car but they wanted {$2000.00} to get it from out of repossession. The whole time i had the loan everytime I was late their " financial advisors '' would always " restart '' my loan to give me time to pay this resulted in me paying over {$12000.00} and only having {$4000.00} reflect on the loan. After repossessing the car they put an amount of {$10000.00} on my credit report. They then sold the car for {$3300.00} and preceded to hound me for the XXXX. Finally at some point they sent letters requesting smaller and smaller amounts. Then this XX/XX/XXXX I received 2 letters from XXXX XXXX both checks from both accounts I had with them. Redress checks {$3000.00} for the auto loan and {$20.00} for the credit card account. I then preceded to take action to have the accounts finally removed from my credit report. I was successful with XXXX but was told by the other two credit agencies that the information was correct and I still owe the money. I 've tried contacting XXXX XXXX by phone to ask about the redress and why I still owe and no one can answer if I owe and how much also they said I had to write them if I had further questions. I 've wasted a lot of time and money on XXXX XXXX the past 6 years. Thousands and thousands of dollars with no car to show for it. They constantly sent me letters and calls always threatening to repo my car and the one time they do, while I was XXXX may I add. They did not once tell me they were going to repo it that day we had an payment plan in place and they took that action knowing I would not have {$2000.00} that would n't even go towards the loan but fees and ect. I would like XXXX XXXX XXXX XXXX to compensate me the full amount of the auto loan and credit card. I would also like them to remove their accounts from my credit reports and completely sever ties.
My complaint is with Midland Funding, LLC., and XXXX , XXXX & XXXX Law Firm. In XXXX 2010 Midland Funding LLC., filed a judgment against me ( case # XXXX ). The debt was paid in full ( I have documentation ) to XXXX, XXXX & XXXX in XXXX, 2010. To date, the judgment still shows open on my county 's Clerk of Courts website. I 've requested XXXX XXXX ( Attorney of record ) for this debt to please forward documentation to Midland Funding , LLC of the satisfied debt. To date, Midland Funding LLC., states they have not received documentation.
My mortgage is serviced by XXXX XXXX ( XXXX ). In XX/XX/XXXX, I had to stop working due to illness. I reach out to XXXX for a loan modification approximately XX/XX/XXXX. They did a forbearance plan instead a permanent loan mod. Each forbearance was for 3-4 months and each time I had to reapply in advance. I did always. One forbearance period ended in XX/XX/XXXX. I had already applied for a loan mod and by XX/XX/XXXX, it was still pending with XXXX. I was told it was still under review, but told me I could not send any payments until they ( XXXX Underwriters ) made their decision. Towards the end of XX/XX/XXXX, they made the decision to continue with a forbearance plan and the next payment was due XX/XX/XXXX. I was specifically told I could not send in no other payment except for that in the forbearance & had to follow the plan. If not, the plan will be breached & I would be required to pay the full arrearages. Later inXX/XX/XXXX, XXXX, put on my credit report that I had a late payment for XX/XX/XXXX. I disputed thru the credit Bureau & XXXX. Explained to them, that because our case was under review, they refused any payments until they agreed to a plan. Once completed, they instructed me to make a payment starting XX/XX/XXXX. I remained under forbearance until XX/XX/XXXX, never missed a payment or defaulted under the forbearance plan. You can never continue in a new forbearance plan if you are default from the previous. However, XXXX, still has a late payment on my Credit file ( over 420 days ) & refused to resolve this matter. For this reason, I am unable to refinance or get help from another financial lender. The loan has been under review with the underwriters since XX/XX/XXXX& still no decision. In the meantime, no payments or being made or accepted by XXXX until the review is finalized. They are sending someone to inspect the property on XX/XX/XXXX before they make a determination. XXXX   has been unorganized, added false info to my credit report, not reporting correctly of our agreed forbearance amounts/plan & they are showing all our agreed payments as unapplied. Numerous attempts have been made to resolve this matter but they have been unprofessional, uncooperative, & refused to correct or remove this derogatory info. It has negatively impacted me to move forward with restoring my situation. As of now, my case is still pending since XX/XX/XXXX. XXXX says the review takes 7-10 days, but it's been 60+ days, still no determination on their part. So we are helpless and continue to fall behind due to their unfair business practices & handling of my loan. As a veteran of the XXXX XXXX  & the XXXX XXXX XXXX, I am appalled that they are able to treat our service men & woman this way & get away with it.
Improper reporting to Credit Bureaus I found this company ERC on my credit report in XXXX of 2016 after having a lender pull my credit. I have never heard of them before and have never heard from them whatsoever. I never talked to these people or received any notice or letter from them. Was not aware of their existence until XXXX. The XXXX accounts that they reported to all XXXX credit bureaus were showing closed. I disputed them because I have never heard of this company before. After I disputed, ERC updated my credit report and started reporting them as OPEN, even though they were previously showing closed, they are old. I called the number several times to try to find out what this was about to no avail. I have yet to receive any call back or any information from anyone at ERC. Through some digging of my own, I found out that these XXXX accounts ( att and sprint ) are allegedly old debts that they bought from these companies. They must have bought them and then IMMEDIATELY started reporting them because again, they have never made any contact with me before reporting to all CRAs. The funny thing is that I have my current cell phone and tv service with XXXX, which I acquired after this supposed debt and an att representative just told me that not only can they not find any old debt that I owe, but that if I owed anything past due I would not have been able to get new services with them, without paying it or if at all. The alleged XXXX bill is an even bigger deal because it is much higher. It will always be crucial to me to verify or validate any debt that any company says I have due to the fact that I have had my SS # used by a family member in the past year ago and so I will always require validation just to make sure it actually does belong to me and to avoid becoming a victim at any point again. This was never done by ERC. As I stated, they simply bought these debts and starting reporting them, it seems. That collection tactic, I guess, is designed to shock/scare the consumer into to paying when they discover the surprise. The only thing they have done is to update my credit report and to change it from closed to open - now almost 4 years later.
I am the beneficiary of my deceased brother 's ROTH IRA at Bank of America, which consists of XXXX CD 's. I worked with an individual on the phone in the IRA department XX/XX/XXXX, to set up the distribution of funds to coincide with the CD maturity dates in XX/XX/XXXX, which were all within the 5 year period required by the Federal govt. However, after the first anniversary of the beneficiary IRA account, B of A sent a check for about XXXX of the IRA. After I called to complain on XX/XX/XXXX, they stopped payment on that large check and said they must do a minimum distribution. So they sent a check for {$1900.00}. I talked to a supervisor, XXXX XXXX on XX/XX/XXXX and he said it is the bank 's policy to to make a minimum distribution. However, this minimum distribution was not stated on the form I was asked to fill out when setting up the distribution, nor did the man who helped me set up the distribution mention anything about this. I have asked supervisor XXXX XXXX to send me consumer information detailing this policy of minimum distribution. He said he would look and see if anything was available. In the time between now and XX/XX/XXXX, I will lose over {$700.00} in interest due to the early distribution of funds, since there are no CD 's currently available that will pay the interest I am currently receiving in the IRA CD 's. The Federal government says that I can leave the money in the account as long as it is all withdrawn within 5 years. This interpretation of Federal law was confirmed by XXXX XXXX ( XX/XX/XXXX ) and also XXXX XXXX ( XX/XX/XXXX ), 2 Bank of America IRA help desk employees. Yet Bank of America policy is above the law and requires a minimal distribution, without prior notification to the customer. This is wrong. They appear to be trying to get out from paying the better interest rate.
I contacted Ditech, my current company, about refinancing my XXXX mortgage and the service rep that I was assigned to said I qualified for a XXXX refinance. And he stated that the only documentation that I would need would be a home owner 's insurance policy XXXX page. I currently have a 3.5 % interest rate with Ditech. I only owe 20 more years, and XXXX. They are quoting me a rate of XXXX, 30 year fixed, in which I have to buy down my rate??? ( which is higher than my current rate ) and tack on {$4400.00} in fees to save a measly {$110.00} a month and pay for 10 more years than I currently owe. This makes no sense. When I look online it says XXXX rates are XXXX percent not, XXXX percent. And on the XXXX website it says I should expect around 1.5 % in fees associated with the refinance, which would only be {$1700.00}, not {$4400.00}. I have sent them several emails asking why the rate is higher than posted rates ; I have asked why they are adding in {$4400.00} in costs, and they have not responded. I do n't think they should take advantage of homeowners in this way.
I have no idea what the debt is they are trying to collect. I have attempted to contact the collection agency, and the original creditor and have received no response from either. I have requested it be removed from my credit report and am just being ignored on all angles.
See my previous complaint Case XXXX I received XXXX letters from Synchrony Bank both stating that the complaint was resolved and " And at this time, we consider the dispute closed. The dates of these letters, attached are XXXX XXXX, and XXXX, 2016 ( See enclosures XXXX & XXXX ). 
On XXXX XXXX, 2016 Synchrony Bank wrote me again re-instating the claim. See enclosure XXXX. 
In fact, although Synchrony Bank states they believe that the matter is valid because, '' ... that your card was present at the time of the transaction. '' Nevertheless, my card and my wife 's card have never left our possession, nor are the signatures on the transactions either that of myself or my wife. Both of our cards have chips, and had the transaction been properly completed with a chip reader they would have been denied. 
I believe that under Federal law that I am not responsible for these charges as the Bank can not confirm that the signature is that of myself or my wife. 
The fraud prevention at Synchrony Bank persists in finding reasons to invalidate my claim of fraud. Previously, for which they have appologized, they sent a letter claiming that I called them to agree that the XXXX transactions were valid. I never did so.
DISPUTE LETTERS WERE SENT TO XXXX FOR {$15000.00}, XXXX XXXX {$110.00}. AND TRANSUNION XXXX XXXX AND XXXX AND TRANSUNION AGAIN XXXX XXXX. XXXX AND XXXX XXXX FAILED TO PROVIDE ME WITH PROOF OF REPORT, CONTRACT OR ACCOUNT. INVESTIGATION TO TRANSUNION XXXX XXXX REMOVED ITEMS FROM MY REPORT HOWEVER FAILED TO SHOW PROOF OF THE REMAINING ITEMS FROM XXXX XXXX OR XXXX WHICH WERE CLAIMED VERIFIED. A SECOND DISPUTE LETTER WAS SUBMITTED XXXX XXXX XXXX AND THE ITEMS WERE YET UNVERIFIED. VIOLATING 18 US CODE 1962-1964 15USC1692c 805 ( a ) ( b ) 15USC1692e 807 ( 9-10 ) 15USC1692K 812 ( a ) ( 1 ) 15USC1692e 807 ( 12 ) 15USC1692K 813 ( a ) ( 1 ) XXXX HAS NOT RESPONDED TO ANY OF MY LETTERS, XXXX XXXX MAY HAVE SENT ME A LETTER SHOWING ME AN ACCOUNT I HAD WITH ANOTHER COMPANY, I AM UNSURE OF HOW XXXX XXXX AND XXXX RECEIVED MY INFORMATION AND WHY THEY ARE USING MY INFORMATION TO EXTORT MONEY FROM ME. I AM UNABLE TO ACCESS MY CREDIT DO TO THESE FRAUDULENT AFFAIRS
I submitted all the necessary paperwork to Equifax to remove accounts that do not belong to me removed and they have not responded back to me and it has been almost a month. The accounts were removed from the other two bureaus.
As I have stated I have documentation of every letter sent to this company and no response from this company as well. The address  on file for the account is not address I 've had the same address for 9 years. If the com pany had responseded to any certified mail with return signature I sent that would have had my real address to contact me and respond accordingly. I have all the documentation from  USPS  the certified mail I sent was received and signed for my the company no mail from this company was sent to me. Also as I stated a police report and report with the FTC waa filed   XXXX   XXXX    2017. By l aw this company has to mark my account disputed upo n 30 days of the request I sent by mail which was not done and any validation  information binding me to this account was not sent within the allowed leg al 15 da ys. Any disputes marked on my credit reports today will be removed and will mot stand in court as my letters sent to the company are date and time stamped as is the signature from the company when they received the letters I sent. The account needs to be removed from all credit reporting agencies. I will proceed forward with all the documentation and evidence I have for a lawsuit until the accounts are removed from any and all credit reporting agencies. A fraud alert was already placed on my accounts and social as well.
First franklin in XXXX, la I get a loan with them for XXXX dollars and now the pay back XXXX, But there reporting my my credit that I am 5 months behind and that not true. In XX/XX/XXXX there report that I was 2 months and now i am 5 month. I talk to the dm and he said he dont know. I have talk to them on alot times. I was sick for 2 weeks so I was behind one month there done a judgement on me. I talk to the company in XX/XX/XXXX and want to make 2 payment there dont want to take it. Then 2 weeks later in XX/XX/XXXX I get Serve with a judgement at my home. For XXXX XXXX dollars. For being one month behind. I have call the office on XX/XX/XXXX and XX/XX/XXXX to talk to them about my account there told me there was going to call me back and I was not call back .and then the judgement. We get this account in XX/XX/XXXX, I made my payment for XX/XX/XXXX and XX/XX/XXXX with  my debit card, there tell me that I dont make no XX/XX/XXXX payment my bank account show it .for XX/XX/XXXX, for XXXX
I purchased an American Express Bluebird card at the local XXXX. I loaded it with {$500.00} cash. 
After reviewing the disclosure document enclosed with the temporary card, I requested a refund of my money. I never used, activied or signed the card. I called XXXX days after the purchase. 
I was told when I called to check status of refund, the refund was processed on the XXXX of XXXX. I requested the refund on the XXXX. Fine, it was processed late, but I waited, going to the post office and calling the XXXX day, when the check was not received. I was put on hold and left on hold not once but twice, lied to by he first clerk who actually told me they do not process refunds, which I replied that the disclosure states quite clearly that you DO. He then put me on hold, in the ruse to get a manager, and never came back. I have been going back and forth with this since, I still have not received my refund, and the delay caused me financial setback, and stress, XXXX, pain and lack of sleep. I am at my witts end with this I can not tell you how this has caused me so much XXXX and distrust. I can not comprehend what is going on and why. Please help me get me cash refunded and the financial loss I suffered as well.
I recently started looking into my credit report because I plan to buy a house in the next year. When I pulled my report I noticed multiple late payments shown under my student loans with  XXXX   XXXX . I called into the customer support line  XXXX   XXXX ,    2017  and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me  XXXX   XXXX  would not be able to do that. I have sent letters to the company and am currently awaiting a reply.
I have a mortgage with KeyBank. I had to re-finance my home and now my mortgage is underwater in the amount of {$64000.00}. I have been told I am not eligble for a HAMP motification because KeyBank does not participate in this program. At this point, If I go through a short sale or deed in leiu- I will still be liable for this money. I am XXXX years old and feel trapped.