WillisBack/dataset-financial-user-claim huggingface dataset:
I have been in my home for over 16 years. Back in XXXX of XXXX I filed for bankruptcy in order to recover from a financially devastating blow to my household. I applied for a modification with Bank of America back in XXXX XXXX and I have been given the run around for the past 9 months. I have had 4 different account managers requesting different documentation and every time I submit the required documentation, I am advised that the original documents have expired and to resubmit them. I have done this on 3 separate occasions and BOA allows the documents to expire and I have to call 2-3 times per week to follow up. There is no follow through or any desire to assist. I am tired of empty requests and threats of foreclosure when I am jumping through hoops to save my home. XXXX XXXX is my current case manager and every time he calls me with another hesitation strategy. I have requested assistance from a manager but my  concerns have fallen upon deaf ears. I have been strung along for 9 months and after being told that I have submitted everything, my case manager called me again today to request additional financial documents because they have expired again due to lack of follow through by Bank of America and due to no fault of my own. Attached is proof from their portal that I have provided a wealth of documentation ( at times duplicates ) in order to support my request as requested by BOA.
PayPal Credit is practicing deceptive lending practices by not including on their monthly statement any indication of how " Standard Purchases '' are paid when you have a Promotional Balance and paid the " Amount to avoid Standard and Deferred Interest on your next statement '' each month. I was told by " XXXX XXXX '' ( a supervisor with PayPal Credit ) that their policy is to pay the next promotional balance with the " Amount to avoid Standard and Deferred Interest on your next statement '' and not the " Standard Purchases '' in a given month. They then roll the " Standard Purchases '' onto the next statement and do n't charge interest ( because you paid the " Amount to avoid Standard and Deferred Interest on your next statement '' ) - BUT do n't show this rollover of " Standard Purchases '' on the next month 's statement, they just bundle it in the line item " Standard Purchases '' under " INTEREST DETAILS '' making it impossible for the consumer to see where the extra amount is coming from. i.e. the " Account Summary '' shows " Purchases & Adjustments '' ( supported by the line item detail under " CURRENT ACTIVITY '' ) and on the next page, under " DEFERRED INTEREST CALCULATION '' they list the " Promotional Balances '' expiring in the statement month - but they do n't ( and he said their policy is to never show ) the amount of last month 's " Standard Purchases '' rolled over detail on any statement -- because " our language on the statement regarding " Amount to avoid Standard and Deferred Interest on your next statement '' only reflects how Interest is handled - not how payments are applied ''. 

This policy makes it so the consumer is unable to reconcile the amount being paid for " Standard Purchases '' with the " Amount to avoid Standard and Deferred Interest on your next statement '' - which leads to the consumer 's inability to predict how much they will need to pay in any given month " to avoid Standard and Deferred Interest on your next statement ''. 

" XXXX XXXX '' agreed that this was confusing, and he offered to raise my concern with his management - but everyone needs to understand that this practice makes it impossible to budget in advance for paying for non-promotional purchases and promotional balances and you have to wait each month to see the " secret '' " Amount to avoid Standard and Deferred Interest on your next statement ''. I was able to handle the surprise this time around - but it certainly could cause someone to be tricked into not being able to pay off their promotional balance in advance and avoid interest charges.
Purchased a new XXXX XXXX XXXX truck from XXXX XXXX in XXXX, Tx. Financed vehicle with XXXX. Contract was sold to Santander Consumer which changed contract at anytime and at end of contract. They added over $6000.00 in charges and interest to contract. They then illegally repossessed vehicle which put myself and my family with great burden. A contract cannot legally be changed midstream. I spoke with many many people at Santander Consumer and could not get a proper outcome to situation. Here is copy of notice I received:Interest charges accrue each day on your account. If applicable, late fees will be applied to your account when it is past due.
PROPERTY ADDRESS : XXXX XXXX Place XXXX XXXX XXXX, WA XXXX ALLEGED ACCOUNT NO. : XXXX FRAUDULENT FORECLOSURE FORECLOSURE Date : XXXX XXXX, XXXX FORECLOSING ENTITY : OCWEN LOAN SERVICING My name is XXXX XXXX and my husband name is XXXX XXXX. We are owners of the property located at above address. 

About three years ago as a result of some serious discrepancies in our mortgage loan payment, we contacted our servicer OCWEN LOAN SERVICING, LLC in order for them to explain their breach of the loan modification terms. We did not receive a prior notice pointing to an up coming amendment to the existing contract. 

We were given the run around. A clear explanation was never provided by the servicer to us. Due to the overwhelming cases of banks committing mortgage frauds all over the nation, we decided to hire a certified private mortgage loan investigator to look into our case for some inconsistencies. Subsequently we stopped making payments to the servicer. We begun demanding the supposed lender copies of important documents, including the complete Deed of Trust and note, which would explain their consumer rights, as well as other rights, including but not limited to, the right to cancel the contract and the XXXX XXXX in XXXX Disclosures. 

OCWEN LOAN SERVICING intentionally failed and/or refused to provide various disclosures that would indicate to us that the contract entered into was void and illegal. For instance, OCWEN LOAN SERVICING failed to disclose that the loan obtained had an interest rate higher than stated and in the preliminary disclosures, which preliminary disclosures were never given. 

Additionally there are several documents in the so-called loan were falsified with fabricated signatures ( Robo signing ). 
We made several requests from OCWEN LOAN SERVICING to validate the alleged debt. No such evidence or proof has been presented, yet they have engaged a foreclosure sale of our property. 

The foreclosure sale is scheduled for XXXX XXXX, XXXX. Please, do not allow OCWEN LOAN SERVICING to sale our property. It will be a fraudulent foreclosure. Please, the foreclosure needs to be stopped as long as the debt is not validated. 



Sincerely, XXXX XXXX and XXXX XXXX XXXXXXXXXXXX
I am contacting you again in regards to a bill from XXXX  that I have already had removed from my credit report once due to the collection agency not being able to validate the date and yet again this same account ( from XXXX  ) has resurfaced by being placed on all 3 of my credit reports again claiming that I owe this debt from a collection agency called Contract Callers, Inc.I requested validation of the debt prior to this collection company putting this debt on my credit report however, I did not received that validation. Now finally this collection agency Contract Callers, INC have finally sent a copy of a bill that they say is a validation that I own and owe this debt yet the information they sent does not have my name, it has no information as to my DOB, Social Security number, etc. with what was sent this is not a validation of the debt that they claim that I owe to them. Like before I am requesting that this debt be DELETED from all three of my credit reports and not be allowed to be placed back on my reports due to the fact that not once but twice now the original creditor XXXX has not been able to provide adequate validation to prove that this account is mine yet they constantly keep reselling this debt to different collection companies who can not validate the debt yet they are placing it on my credit reports anyway thus ruining my credit as fast as I can try to restore it.
I recently check my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me with any services or goods. I feel that they placed this on my credit report without giving me proper notice which is afforded to me under the law according to the FDCPA 890
The company is saying I owe {$1600.00} for a cellphone bill that was paid off a long time ago. In 2012 the cellphone bill was paid in full.
In the past couple months this company allowed someone to use my credit report unauthorized. I received a alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They can't provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the Law and putting a hardship on me and my family with these negativity.
I called to make a payment by phone to cure a debt of a mortgage that was two months past due. I informed the representative of my intentions to pay in full to get the account current. The representative puts his manager on the phone, who consistently asks why I have not returned some phone calls that were made within the past two months. This manager made degrading comments and refused to accept payment of the past due amount unless the next month 's payment was included. This was not yet due at the time of the phone call. The manner that this representative addressed the issue was both verbally abusive and unwilling to assist in my inquiry. I asked for a fax number, to which this representative asked the reason for sending a fax, and refused to give me a fax number unless I gave specific information about what was to be faxed to the company, and why I was faxing it. The representative continued to make verbally abusive comments, and commented on the presumption that I will not make any more payments until the end of the year. I was unable to speak without being interrupted by this representative who began raising his voice in a manner of interrogation, demanding to know how I intend to make future payments. I have never been belittled as much as I had been in this conversation, and I have never seen such abrasive and unprofessional practice as I did with this company, particularly with this representative. I understand the company 's frustration by the status of the defaulted loan, however I do n't feel that they have the right to speak to customers in a demeaning manner, ask questions that are not related to curing the defaulted loan ( i.e. questioning why I did n't answer the prerecorded phone calls that are sent to me several times daily ). This " manager '' did not give me his name or contact information, and did not help me with this simple resolution of curing the defaulted loan. Before calling, I intended to ask the amount of the principal of the loan, to which the manager told me that this has nothing to do with my loan repayment, and refused to inform me of this amount. I was then told to call back next week to " make sure I have enough money in my account '' to cover the past due balance, which would be over 90 days past due at that time. I have never been denied the chance to make a payment on an outstanding loan balance, and being belittled and talked down to was the main purpose that this representative spoke with me during the phone call that I placed to them on Thursday, XXXX XXXX.
The collection from National Credit Systems for {$5500.00} was requested to be validated on XX/XX/2018. The 30 day period to validate this debt has expired according to FDCPA. 

This is NOT a failure to pay rent scenario. 

They are trying to collect on renovations that occurred after I moved out. They have NOT been able to provide any receipts for the work that was completed to total the {$5500.00}. 

The rent dispute was handled in court and was dismissed. ( see attached )
I did n't know I had this debt until I saw it on a credit report that I pulled. Even on the credit report it does n't indicate who the original creditor is. When I checked on the State of Florida XXXX of Regulation website ( XXXX ), this company, Jefferson Capital LLC does not have a license to collect my alleged debt or any other debt for that matter due to the fact that it does not have a license to do so.
Chase is closing my oldest credit card from 2005 without any reasons. Because of this my credit score will suffer. We are looking to buy a house in the next XXXX month. It looks like nobody at Chase care abut consumer. Please look into this practice from Chase. I would prefer to keep this account open. Thanks
XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX XXXX XXXX ). Open account was {$690.00} paid in full as of XX/XX/18 Got the attached letter it was paid in full as of XX/XX/18. 

Contacted XXXX XXXX as they are the primary account holder and the above are a 3rd party. 

XX/XX/18 Contacted an agent named XXXX ( XXXX ) at XXXX XXXX central time requesting that once they received the payment in full that a deletion letter will be sent out. It was confirmed on the phone by XXXX that yes once the account was paid in full that it would be deleted from my report. 

XX/XX/18 XXXX XXXX XXXX at approx XXXX central time and he told me that is not the process of how this works that it would be just a paid in full. I asked if he sees the notes on the account that agent gave incorrect information. He said that he would have to transfer me to her supervisor. I asked about the notes on the account and they said they conflict with the policy. I asked well that was not what I was told and then he tried transferring me to a supervisor named XXXX XXXX. Calls was disconnected and she called me back at approximately XXXX central time. She had all my information pulled up already. She said on XX/XX/18 that the information was the true information given and told me that I should know the policy. I replied back that I do no know the policy as XXXX told me on XX/XX/18 that a letter of deletion would be given. She told me XXXX gave me inaccurate information. This is not my fault as I do not know what the policy is. And because I was given this information from XXXX and I have it noted of the date & time of the call and possibly notes on the call that this should be honored. I also asked for a transcript of the call and XXXX was unable to do so.
Account below has been previously removed from credit report and has been reinserted. 
This time they have put fraudulent payments on report to reinsert it. They add a few numbers to the original account number and call it new. I have had trouble with XXXX falsely reporting account information in the past. 
Account was negative/closed in XXXX. Also account shows it was sold to XXXX so they do not have right to reinsert it. Filed dispute several times and experian will not let me dispute it again. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$0.00} as of XXXX/XXXX/XXXX Status Closed. {$660.00} written off. 
Date opened XXXX
My father left me a trust fund with a local bank which was then taken over by JP Morgan. They have been handling the trust since then. One aspect of the trust is that the bank is required to send me half of the current principal on my XXXX birthday. JP Morgan has violated the terms of the trust by not complying with that clause. They have not communicated with me except to ask for my driver 's license. I initiated a phone call with the bank over 6 weeks ago reminding the administrator of the terms of the trust. He said he 'd " look into it '' and I have n't heard from him since. I would like for cfpb to investigate this bank regarding my trust fund and the administrator, XXXX XXXX. I would like an audit of the bank 's performance and handling of this trust. The amount of the trust as of the last quarter was approximately {$350000.00}. That means over {$170000.00} is due me on my XXXX birthday. That was yesterday, XX/XX/XXXX. I called and left a message and sent an email to XXXX XXXX, XXXX XXXX 's assistant. No reply. If I do not receive this money, I can not retire. I have my eye on a house that is for sale and I could lose out on this house if I can not put a down payment on it in a timely fashion. Please contact JP Morgan and it 's employees XXXX XXXX and XXXX XXXX and investigate the violation of my father 's trust. Thank you.
My mortgage company has been insisting that I 've been past due on my mortgage payments since they took my loan over from previous loan holder ( XXXX XXXX ). I have sent them proof of payments XXXX now and they still will not resolve the issue in their system. The problem is a miscommunication between them and the old mortgage company they took the loan from. My credit report is showing 90 days past due within the last 12 months, which is preventing me from refinancing my home ( which is what i 'm currently trying to do ) and also I can not receive my overpaid escrow money from 2014, and also it is loweriing my credit score every month. This is very frustrating and every time I call Nationstar mortgage ( once a week ) i get no help, no update, and feel like I 'm starting over every time I call. I have a " dedicated loan specialist '' whom is never available and does n't ever return my voicemails. You guys are my last hope to get this resolved.
I have been XXXX for the past 3 years. I have only went to XXXX XXXX. This company is staying that I owe them However, I have never went there. It says that the account was open on 2015 well at that time I had medicaid and south this all of my doctors bill were covered. Plus I have insurance with my job. I have told them multiple times that this is not my account. However they keep reporting this to my credit report. When I know that this is against the law to do. With death validation and if they do n't have all of there legal bonding documents. Which I know that they do n't because this account is not mines. I have already reported to the credit bureaus about the faud activities.
My initial intent was to submit a legitimate complaint about the errors in the handling and service of my mortgage that was transferred to Rushmore Loan Management Services. However, I see that there are over 1000 complaints logged already. Therefore my first complaint would have to be with the CFPB. There are 1288 complaints on Rushmore. Thats 1 complaint every day for 3 years without any penalty. This has allowed Rushmore to continue predatory practices and offers no faith in CFPB
I have received two notices from Transworld Systems regarding a debt from XXXX. I contacted XXXX at the phone number provided by Transworld Systems. The number listed was XXXX. There was no response from the other end. It just went silent after connecting. I contacted XXXX at XXXX and spoke with XXXX at XXXX. She and her supervisor, XXXX, could not find any outstanding debt. Also they could not determine the phone number provided by Transworld Systems as one of their phone numbers. I contacted Transworld Systems at XXXX and was disconnected before speaking with anyone. I need to get this fixed right away.
I filled a BK Chapter XXXX on XX/XX/XXXX XXXX. In the course of this Bk their lawyer stipulated on behalf of the Lenders, XXXX XXXX  XXXX XXXX XXXX, as Trustee for XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX 'S, to stipulate the terms of the loan to be a secured agreed amount of {$260000.00} plus {$14000.00} for escrow advances to be amortized over 30 years at 5.0 % per annum. Payments were to begin XX/XX/XXXX in the sum of {$1500.00} plus regular monthly escrowed payments of taxes and homeowners insurance. In the event that the Debtor defaults under stipulation, a 30 day letter shall be sent for each default and a {$100.00} shall be fined to cure. None of this took place.I sent a payment every month for the past 6 years, first to XXXX servicing, then to SLS servicing. During this BK a notice of default was filed, XX/XX/XXXX, a notice of sale filed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I continued to make the payments at times the amounts requested were irregular but I made them anyway. My BK was confirmed on XX/XX/XXXX and the final degree was granted on XX/XX/XXXX along with an order of discharge on XX/XX/XXXX " stating that a complaint objecting to discharge of the debtor was filed and, after due notice and hearing was not sustained '' " Any judgement heretofore obtained in any court other than this court is null and void '' Beginning in XX/XX/XXXX SLS refused by payments saying that I was in default from XX/XX/XXXX.They say I missed 6 payments. I protested by asking for a QWR on XX/XX/XXXX asking for an accounting of my payments beginning with the court stipulation XXXX XXXX. They responded but not to the original date and not simply understood, I sent another QWR on XX/XX/XXXX requesting an accounting of my payments beginning from the court stipulation beginning on XX/XX/XXXX. I have not received any response. I want to keep my property and I want to be treated fairly by the servicer/lender.
We have tried to contact this company 40 times. The escrow company and selling agents plus buyers agents have tried contacting this company no answer all we need is a lien release document to close on our home the bank is Caliber Home Loans the property address is XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Registered owner : XXXX XXXX XXXX Original paid loan was from XXXX XXXX
I have a checking account at Chase & we were four signers from XX/XX/XXXX onwards. Without my knowledge Bank removed my daughters name as a signer. I came to know about this banking error in XX/XX/XXXX. During my daughters visit to XXXX, we went to the one of Chases branch & added her signature in XX/XX/XXXX.Later on Bank misplaced all the paperwork & I had to send them proof. 
I made complain to the executive office & wrote e mails to CEO of J P Morgan Chase on XX/XX/XXXX. 
From XX/XX/XXXX till XX/XX/XXXX nothing has been done. My XXXX adult children lives in different States &  we added their names as an added security. Chase should be fined.
On XX/XX/2018, submitted a request to reporting credit bureaus to verify that I owed XXXX XXXX XXXX for a medical bill. 40 days later, I received a bill stating to make payments payable to XXXX with dates of service but no paperwork with my signature stating that I owe them the debt. The original creditor was XXXX XXXX XXXX. I need to receive paperwork, with my signature, that states I owe XXXX   Collection.
During my Mortgage signing process in 2007 at my home, the only people in attendance was the Title Company Representative and myself. I am the only person who signed the original documents. The Title Company Representative said that she would sign her section when she returned to the office. I questioned that process, she stated that it was normal to do it this way. A Notary was not present to witness/verify signatures. She also stated that was normal also. She said that a Notary could verify documents after the Mortgage signing process. I have requested original signed documents from Indy Mac/One West Bank, they refused to send the original signed documents. Stated they they were stored in a vault and it would be difficult and take too long to retrieve. Can my home be foreclosed if the original signed documents can not be presented? Also, should a Notary have been present to witness signatures? Therefore, are notarized documents pertaining to my Mortgage signing fraudulent documents since a Notary was not present?