WillisBack/dataset-financial-user-claim huggingface dataset:
I have already contacted the NJ Dept. of Banking, and due to this being a " federal '' banking issue, they referred me to you ( I know that the NJ Dept. of Banking forwarded to you my file and copied you on a letter sent to me dated XXXX XXXX, 2017 ). I have that documentation and relevant correspondence to submit separately if required, but to quickly summarize my complaint here, I have had fraud committed against me by a mortgage company based in XXXX XXXX, NJ ( United One Mortgage/XXXX XXXX-Owner ). A salesman representing XXXX XXXX, XXXX XXXX, made representations about a HELOC that required some personal funding to help " close the loan '' on a deal handled by United One Mortgage. I was asked to deposit {$5800.00} payable to his company XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ. The terms of the short term lending, was I was to have received the original deposit + {$400.00}. That total of {$6200.00} was to be paid " within a few days '' of receipt of those funds. I personally went to his bank and deposited those funds in XXXX XXXX. 
After weeks of trying to collect my money, I found out that XXXX XXXX was put back in prison for fraud/money laundering!! XXXX XXXX never told me that, but only said that XXXX XXXX had a XXXX XXXX and is n't available. However, XXXX XXXX was VERY familiar with my financial arrangements, and he said he would " personally take care of it immediately. '' He sounded sincere and convincing. I did NOT appreciate being lied to about the circumstances surrounding his salesman, but I overlooked that fact, and I let him know that. I only wanted the money due to me. To show my good faith approach, I even referred a friend to do business with his firm AND I did n't want to " hit him '' with additional interest on the money that United One was responsible for. I admired the fact that he took full responsibility for the theft and was wanting to " make good '' on the debt and maintain a relationship to expand his business opportunities. Well, after weeks of phone calls trying to get the status of my money, XXXX XXXX decided to withdraw on his financial obligations!! He became very angry and very disrespectful of me. He obviously was being defensive in his position, but all he did was waste many months of my time chasing what was owed to me. He ended the conversation by saying ... '' I do n't give a XXXX, and you should do what you need to do ''!! When I said I would file a complaint, he hung up abruptly.
I am a XXXX XXXX, on Social Security & XXXX.My mortgage rate is a high 6 1/2, because mortgage lenders consider me a high risk because I was out of work for more than a year, and I ca n't get it refinanced.I obtained the mortgage in XX/XX/XXXX. My mortgage has been transferred several times to different service companies. The current holder of servicing is Select Portfolio Servicing , Inc., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ut XXXX, referred to as SPS. They advertised a modification proposal to lower my monthly payment, sent me a package to fill out & supply supportive documentation. I complied, even providing additional information about my medical history, a seasonal job I have ( I sent a Social Security statement review showing my physical capacity ), etc. The company SPS rejected my request by letter without itemizing what was 'incomplete'.A telephone call ( they said was recorded ) with representative XXXX XXXX on XX/XX/XXXX at XXXX CST produced a litany of things they need that include just a check mark on a IRS Form XXXX, a fancy financial statement for my part time mowing job, a more complete copy of all my bank statement that I gave them redacted pages, two months of my XXXX wife who is on Unemployment Compensation till XX/XX/XXXX and received a stipend from laid off company of {$36.00} per month she just cashes & gives me, but SPS wo n't accept that as proof, etc. THey want me to deposit the {$36.00} to my checking account this month and next, so as to see the proof of it, even though I sent them the entire payroll stipend form with tax withholding information, year to date {$4000.00} of XX/XX/XXXX. I feel discriminated against, that they do n't want to help. I gave them proof of Social Security, my season jobs income verification, my wife 's info, taxes, bank statements, property tax info, medical specifics from XXXX with diagnoses. XXXX. It 's not right what they are doing!
I am a victim of identity theft. Someone opened two fraudulent and unauthorized personal loan accounts using my personal information. The fraudulent accounts do n't belong to me. The fraudulent accounts is showing on my XXXX XXXX, Equifax and XXXX credit report. I have never applied for a personal loan. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, Loan Number : XXXX and XXXX By XXXX XXXX, Loan Number : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I have never lived at the above address. The following credit inquiry is fraudulent and unauthorized : XXXX  XXXX, XX/XX/2017.
Our alleged servicer/collector either purchased or had a debt transferred to them from XXXX XXXX XXXX XXXX on or about XXXX. Shell point Servicing has represented themselves as holders of the debt even after me the homeowner requested the proper validation of the alleged debt 2 times in XXXX and 2 times in XXXX without producing any present right to the debt or right of possession. They have also added approx {$10000.00} each month after the first request of the debt validation in XXXX to intimidate and harass us. Shell point refuses to sign for the registered receipts and refuses to show any valid contract as to the amounts being added. Furthermore they filed a notice of trustee sale on XXXX XXXX asking for an amount of debt that is {$300000.00} beyond the amount stated on the deed of trust and secured, hence violating the FDCPA through their attempt to collect a debt through deceptive and wrongful actions. Lastly, they have reported private information and employed another third party to attempt the illegal disposition of the real property at XXXX, XXXX, ca XXXX in contradiction of the homeowner notifying them through a " cfpb '' disclosure that they were not allowed to disclose any information. This company and its holding company New Penn Financial have brought a new level of fraudulent activity into the market place in order to be unjustly enriched through their violations of law, Federal and State. This is a request for an investigation of this fraudulent company and their illegal actions against XXXX homeowners that are now XXXX years old and are in constant harassment and intimidation by this company and their newly appointed " trustee '' and illegal collector of the debt employing and using Unfair, deceptive, and abusive Business practices which can be observed in their filing of Notice of Trustee which has never been verified and is in noncompliance due to violations of the law. The homeowner has identified over XXXX violations just on the Notice of trustee and the fact that this Notice of Trustee was filed without a proper Notice of Default being recorded. In addition this company has employed false documents and has recorded them with the county recorders office to show a false interest in the debt.
XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Oranization filed a collection action XXXX XXXX 2016 without notification or explanation of debt. The collection appears in my credit report
Currently having public records being reported to all three credit bureaus incorrectly ; was made aware that effective XXXX XXXX, 2017 all public records that are not being reported accurately will be removed which has not happened for me. I have Tax Liens and Bankruptcies that are not being reported correctly that have not been removed.
I owned the property which is financed by XXXX XXXX XXXX XXXX. I divorced and the ex-wife was awarded the property and all responsibility was placed on her for the mortgage of the property. Absolute divorce was granted on XXXX XXXX 2007. This is the only item that is negative on my report and I wish to improve my credit.
I have tried to dispute the attached accounts with bank of America in regards to charge offs but without success.This company has continued to violate the California Credit reporting act by reporting these accounts that were never charged off, they were merely settled after falling late just a few months.
I have disputed and asked for validation of XXXX accounts from XXXX. they have not sent the required documentation to me per the fdcpa. i do not owe this company money, nor did i sign a contract with them. as a result of me asking for the validation, THEY CHANGED THE NAME TO ANOTHER COLLECTON AGENCY AND RESUBMITTED TO THE CREDIT BUREAUS. I checked the addresses of the XXXX companies on multiple credit reports and they were the same ... FINCNTRL SVC XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX and XXXX XXXX XXXX XXXX XXXXWI XXXX XXXX. THIS IS DECPETIVE AND UNACCEPTABLE. I WILL BE REPORTING THIS TO ALL GOVERNMENT AGENCIES AS IT IS ILLEGAL
On XX/XX/2016 I was billed XXXX in error. I disputed the charge with Capital One. Capital One initially credit me back and said they would investigate. One XX/XX/2016 Capital One re-billed me the charge they initially credited. XX/XX/2016 I started receiving harassing calls to pay a for all the finance charges and late fees that they tacked on because of re-bill. I contacted Capital One and I was told that they did not investigate the dispute that was originally filed. I was told they would credit my account back for the late fees. finance charges, and accrued since the initial disputed that had been filed in XX/XX/XXXX. The there was a total of {$170.00} that was suppose to be credited back to my account because of their error and failure to dispute. In return, Capital One closed my credit card, falsely reported inaccurate information to XXXX, XXXX, XXXX in regards to my account being past due, charged off and delinquent. They violated my consumer rights under the FCRA. They also took my {$200.00} deposit that was used to secure the card since it was a secured credit card. They refuse to return it or either credit the deposit towards another card. They have failed to provide adequate resolution that has been detrimental to my credit and have defamed my person as to report false information to the credit bureaus. They have called and repeatedly threatened illegal legal action against me. I am wanting adequate response and resolution as this has been an issue since XX/XX/2016 that has not been resolved.
My family and I went to my stepdad 's funeral XX/XX/XXXX. The house was full of people, our XXXX year old son was allowed to use his Samsung Galaxy device to play games while all the adults were busy taking care of our grieving mother and other arrangements. The house was full of people ( family and friends ) from XXXX XXXX until XXXX XXXX when we left to visit my sister. 

My son asked me to buy something from the google play store for which I entered my credit card and password. I believe the charge was about {$2.00}. I authorized only that one payment. 

Over the next few days, someone got a hold of my son 's device and somehow managed to make over XXXX purchases using my credit card. His device is set to always require a password, but somehow someone bypassed it. We called google to dispute the charges, and we called visa. Neither is refunding the charges which are about {$9600.00} XXXX nor XXXX bothered to verify with us whether these charges were being authorized by us at any point during the purchases. In the past, I 've been hassled whenever I tried to purchase XXXX small items back to back, but now when the charges ranged between {$0.00} and {$100.00} noone bothered to warn us. 

We were so busy with the funeral and family in town, we never bothered to check our accounts online. We have completely lost faith on our ability to keep our accounts safe when neither XXXX nor XXXX are willing to do anything about our situation. They expect us to pay for something we did n't buy. I do n't even know what was purchased!
An erroneous amount was drafted from my bank account which amounted to an excessive overpayment XX/XX/XXXX. The loan servicing company refused to 1 ) refund me the difference, 2 ) apply the overage to the appropriate account in a timely fashion ( waited three to four months to finally do this all the while reporting negative information to credit bureaus ), 3 ) remove the late fees applied to my mortgage account, 4 ) reimburse me the subsequent NSF fees I incurred, and 5 ) correct the negative reporting to credit bureaus ( XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX ). Even though I contacted them timely and continued to follow-up up with the loan servicing company multiple times every month regarding this matter, I always received a different story or a request to resubmit the documentation I already submitted. It was not until I filed a complaint with CFPB XXXX that all but # 5 from the list above was corrected to which I continued my dispute of their response. My credit rating should not be damaged due to SPS ' error and refusal to address the matter in a timely and equitable fashion. The loan servicing company made a mistake and now they just need to be accountable for their error in its entirety. Reporting negative information implies that I was not handling my financial responsibilities and I definitely was at that time and continue to. 

Loan Servicing Company - Select Portfolio Servicing ( XXXX ) XXXX or ( XXXX ) XXXX
I have notified Experian on many different occasions that the following addresses do not or have never belonged to me. Please remove the following addresses from my credit file : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX
CAVALRY/XXXX refuse to delete an outdated, incorrect account associated with a divorce dispute from my various credit files which has had a {$0.00} balance as of 2010.
Navient held my student loans and through advise to take deferments rather than an income based repayment plan My loans balloned to over XXXX dollars. Navient then gave my account to XXXX, a collection agency who demand payment that could not be made, reported my account as in default to the credit bureaus and garnished my social security check. Multiple phone calls and letters trying to arrange a reasonable payment plan produced no results from XXXX. Then XX/XX/2015 my account was mysteriously return to Navient for servicing ; the process started again. I then consolidate my loans with XXXX to avoid having to deal with Navient. Due to their complete and total mishandling of my loans my loans have soared to over XXXX dollars. This has destroyed my credit rating and has made it impossible to buy a house or even a car at reasonable interest rates.
In XX/XX/XXXX I took an exchange offer line XXXX and they sent me a Citi Bank prepaid card with {$160.00}, I save my card waiting buy something special when I was ready to make my purchase I noticed that the card had expired in XX/XX/XXXX, so call XXXX in XX/XX/XXXX, I told them my situation, the operator told me we will re-send a new card in 15-20 days. 
30 days past again called XXXX to ask the status of my new card so they told me, they can not send a card for that type of card could not send again and them they connect me to the Department of Citi Bank Cards where they say the funds expired with the card. 
I call back and talk to XXXX XXXX ( XXXX ) and commented the situation and says that certainly could not get a new card because they do not manage more funds that XXXX promote, and that the funds expired with the card, so I ask them " t who has my money '' and they said " has expired ''. After talking with XXXX I communicated with XXXX employee number ( XXXX ) who just told me that he was the highest authority and that funds had expired. 
I never used my card or money and they saw the system, I do not understand you can not give me another card, where 's my money.
Asked for a loan modification from XXXX XXXX XXXX XX/XX/XXXX. For six years I have hired XXXX lawyers and filed XXXX Dodd-Frank Modifications packages. I have spent over {$9000.00} in legal fees. My interest rate on the mortgage is at 8.875 %. Green Tree Mortgage Services acquired the note in XX/XX/XXXX-XX/XX/XXXX and offerred another loan modification package. This was done. Unfortunately, they chose a " Bait and Switch '' approach. Green Tree did not modify the interest. Now the interest amount totals well over {$170000.00} +/- plus the principal of {$200000.00}. Green Tree offerred a 4.125 % on the pricipal, but chose not to modify the interest amount. The house is under water and not worth the mortgage amount of XXXX. The town as a value of {$190000.00}. 
Before XXXX sold the note to Green Tree, representatives broke into the house and winterized the house without my consent. Also, XXXX representatives told tenants who were living there not to pay the rent. Nearly {$11000.00} was lost. 
It is my belief that XXXX and Green Tree do not want to modify the principal nor the interest amount. XXXX has acquired a judicial sale date, but I met the three month trail period. Because of BA duel tracking and Green Tree refusal to modify, my credit score has suffered and I am having difficulty in refinancing this loan. 
This is my e-mail address : XXXXXXXXXXXX. Thank you in advance.
GC Services first called me on XXXX XXXX, 2017. During that call they noted that they were calling in regards to someone who resides in a state that I have never lived in. I told them the address was not correct, and at that point they asked for the last 4-digits of of my social security number. I refused to give such a personal number, as their address information was incorrect. At that point I requested that they not contact me again, and was told that they would not call again. 

On XXXX XXXX, 2017 they called again, and gave the incorrect address. I told them the address was incorrect, and again refused to give my social security number. Both calls were made by an unknown number, but using the name GC Services I found a number to call using google. I reached out to GC Services and requested that they not call again. The person I spoke with noted that I would need to request this in writing, which I am fairly certain is not correct. Since I have requested this on two separate occasions I am hoping to not be called again. However, in case the calls continue I wanted to document the second call utilizing this CFPB complaint portal.
Received repeated phone calls from XXXX from XXXX XXXX. I spoke with a female representative told her I was unable to pay. After that I received a phone call almost every day. So I blocked that number. On XX/XX/2017 at XXXX XXXX from XXXX. A male called my phone, after confirming who I was I continued letting him know I had already spoken with someone. He told me just because I speak with someone does n't mean it goes away and because of me doctors don '' t get paid.
This company was contacted twice in writing. Both times they were asked to validate the debt. Specifically they were asked for a copy of the original promissory note, evidence that they are the holders of this promissory note and the identity of the current owner of the account. As they were unable to provide the requested information I requested they delete this account from my XXXX credit report. To date ( nearly 6 months later ), this agency has failed to validate the alleged debt or delete it from my credit report.
Hello, About 1 month ago, XXXX 2017, I opened a credit card through XXXX credit services, which they promote ad nauseum on their website. When you activate the card the system asks you if you want future XXXX purchases funded with the credit card, or if you 'd like to keep your regular payment method as the preferred method of payment. I chose NOT to have the new credit to be used as a payment method. I then checked my settings to be sure that my credit card would not be used as the payment method. 

When I made my next XXXX purchase the payment went directly to the credit card. I checked my settings again and they were set to have my bank account as my payment method. I made another purchase through XXXX and it went onto the card again, and then a third time. 

I contacted XXXX and they basically said they must have made a mistake, but there was no way to change the purchase method, it was too late! I then canceled the credit card and my regular XXXX account and told them to send me the bill for the balance on the credit card. They have not sent a bill. I have tried to speak with them on several occasions, simply to pay my bill but they say my account has been closed and they are n't able to see anything in my account. I have asked for a bill over and over again and on several occasions, they have hung up on me or transferred to an automated phone system. This has happened many times. 

I opened the credit account in order to build a credit history and had planned on using it very judiciously, now my credit report states that I have opened too many accounts then closed them. This is fraud. What can I do? There are no email addresses or other phone numbers to use to contact XXXX. I fear my credit is suffering through no fault of my own. 

Thank you for any help you can provide,
I have received repeated phone calls from CIG Financial for YEARS. 
They are looking for a person named, " XXXX XXXX ''. Each time they call, I inform them that I no one by that name resides here nor do I know anyone by that name. I then tell them to stop calling my phone number. 
Yet, they continue. This has gone on since I have had this phone number ( many years, now ). 
I have asked to speak with a manager or supervisor only to be put on hold indefinitely. 
The latest call was today, XX/XX/2019 at XXXX XXXX, EST. 
My caller ID says they are calling from XXXX
I have retained new copies of my credit reports, and noticed that Afni did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which they signed for on XX/XX/2017, I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate, and represents a very serious error in there reporting, also they have not presented me with my signature as proof of any contract with their company, as with many other consumers, we are pressured into paying collection agencies in order to maintain our good credit standings. This is a perfect example, as I was pressured to pay, as I didnt know what the Law was at the time, and in response to the threatening letter that I received. I have been in contact on numerous occasions, and they continue to be not responsive to my request to remove this entry from my report. My credit has suffered, with high interest rates, and recently rejected credit applications from banks because of this entry. Thank You
Inability to regain control of my student loan account after financial hardship because late fees are outrageous and unable to gain a forbearance unless you are paid to current ;. Can not be current on the lawn without the forbearance due to not making enough money to make the extremely high payment amount. 

I can not choose all XXXX repayment options listed below, however, all XXXX options apply.
XX/XX/2018. sent letter asking to validate the debt, but ignored my request. still no validation of debt, placed it on credit!