WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX hired a retired XXXX and XXXX, as well as XXXX, whom determined they where victims of mortgage fraud. They actually did not recieve a mortgage or loan invalidating the claim of BUCKLEY MADOLE, PC. From a hand writing expert that determine XXXX XXXX of Deed of Trust was done fraudulently, so forfeited notary bond to XXXX and is no longer is notary. XXXX determined for last 8-9 years XXXX of XXXX county has been practicing law from the bench a high misdameanor, Most all public servants pensions are based on fraudulent mortgage backed securities about 63 %. Also, XXXX did not have XXXX form or XXXX on file as required by law. Thus, all preceding were done without impartiality, jurisdication or authority, and are void, not voidable. Thus, XXXX was treated as MONEY and was monetized and cashed paying off house immediately, Money that XXXX created providing the signature as per XXXX, XX/XX/XXXX. Thus the DEED of TRUST was never active from the terms and conditions. And Conversion Fraud, and Mail Fraud have taken place, XXXX, XXXX, AND XXXX, AND XXXX, XXXX, AND XXXX WERE all put into a government conservator-ship. This process was set up from the XXXX and XXXX. Using XXXX ( XXXX ). and XXXX whom never loaned XXXX anything. They had XXXX sign a security instrument, but the people doing the fraud were not licensed to sell securities, apparently not an agent of XXXX either and included their incorrect legal name on the paperwork. This was all orchestrated by XXXX, that is owned by XXXX, XXXX have asked them already for their errors and omissions insurance carrier but they have been non-compliant. XXXX IS owned by XXXX All have been involved with a corrupt network of XXXX fraud. So much for buying worthless title insurance. XXXX also worked with XXXX to presumably table fund the loans as a deposit which is illegal and unlawful. All of this illegal activity since XX/XX/XXXX has happened with the government knowledgeable since the fraudulent entities filed XXXX forms with the SEC XXXX database canceling the tax exempt trust no more then one year after it was set up XXXX database canceling the tax exempt trust no more then one year after it was set up for tax evasion of the money or conversion payments. HOME was paid off immediately by NOTE that was monetized with XXXX, then the party took out additional loans from XXXX. 
We should be able to file a claim against BUCKLEY MADOLE, PC, and XXXX XXXX, XXXX, AND XXXX. XXXX sent the common law copyright notice and Affidavit and Notice to provide proof of claim FOR XXXX COMMOM LAW COPYRIGHT VIOLATIONS. 
BUCKLEY MADOLE, PC XXXX XXXX, CA XXXX
Thursday, XX/XX/XXXX XXXX XXXX When I was in XXXX school, according to the documents that have been sent to me, I took a loan ( 3 total ) out with " XXXX XXXX XXXX XXXX '' which I am given to understand has been shut down by the federal government. I have been sent by two different servicers XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ) bills for a company alternately called XXXX or XXXX. When I question either XXXX, XXXX, or XXXX about offering me a chain of title or any other proof that they or XXXX ( which I believe went bankrupt in XX/XX/XXXX ) own a debt from me, I am told to ask the servicer, if I ask the service, I am told to ask the alleged owner of the debt. I have been paying on these loans for years now and they are getting larger. I can easily refinance, however, I do n't want to refinance a debit I do no owe. I am a XXXX and along with the federal government loans I have ( XXXX ) I pay approximately 5K/month in loan payments. I asked XXXX to please apply additional payments I made to my principal, and was told that they would only put me in paid ahead status. I do n't mind paying or settling which someone if I truly owe them money, but as far I I can see, there are three ( I do n't know why there are two for the same year ) applications that have been provided to me, and my wife, XXXX XXXX, whom they refuse to release from the obligation as cosigner, to XXXX XXXX XXXX XXXX. I have nothing that says I owe anything to XXXX nor to XXXX, who per the XXXX XXXX is owned by the same people, as are some of the servicer. I am paying more than 10 percent interest on the loan that XXXX  claims they own. They are also both refusing to send me a payoff letter if I do owe the debt, because I will refinance immediately -- I have good credit and good income. I was actually told yesterday that the stories in the XXXX XXXX were " fake news '' and that I would have to default before anyone would negotiate with me, and that if I defaulted they would " take my property '' or " wages '' or " tax return '' ( I am XXXX XXXX  ). Which I consider to be a threat made simply because I asked questions.
Currently I have a tax lien being reported on my Transunion and XXXX credit reports. The lien is inaccurate and should have never been filed. The lien has been ordered removed from my record. The first time I disputed the lien with Transunion they sent back a response stating it would be removed but after several months it was not removed. I disputed it a second time but now they are stating that is is accurate and are refusing to remove it from my credit report. I would like assistance in compelling the credit bureaus to remove this inaccurate item from my reports.
i have had bank fraud on my buis. acct. multiple times and chase has all ways replaced my debit card, and never closed my account and opened a new one. i have had several new cards after fraudulent charges. i have reported fraudulent charges and chase has reversed charges, then reversed them out of my acct. i was in a car accident in 2013 .suffering from XXXX issues and not keeping up with my banking. my debit card and account numbers have been used to make charges with out my knowledge or permission ... i do not know if someone stole my mail or i have had my card skimmed and been robbed. chase will not return my funds. i have done lots of research my self and contacted the merchants via phone and thay said thay will return funds .but chase will not request it to happen.. some have returned funds and chase sent it bank as lagitatemant charges. bank reps in fraud department have told me thay can go back, if charges are recurring within 60 days of each other as far back till date thay started .. i have spoke in person with management in different branches, and not one, has closed my account, or suggested it to stop fraudulent charges ... and the fraud keepy happening. the fraud department did not do there job. i have filed a report with global investigation n security .protection unit with chase ... case # XXXX and still chase will not reverse charges. now account is closed and my company is closed due to being broke, because of the fraud .. I have reported it with XXXX police officer XXXX XXXX case # XXXX ... bank said thay will not and are not going to help to return funds ... seams like thay are as much a thief as the real thiefs are .. why would someone do banking with chase if thay do not protect or keep you safe from fraud .. next thay will not replace funds if thay get robbed and you lose you whole lifes savings .. cant trust chase ... if i had my money in my pocket its my responesibilaty.my money was in chase bank and thay should be held accountable for the fruad ...
FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to medical issues ) our family experienced a hardship and was forced into a short sale and in order to be considered for a short sale FHA requires us to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially viable. I am being discriminated against due to a government requirement to be late on my payments. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.
Modification that has gone XXXX for over XXXX months. Several conference calls with the XXXX ( VP ) ph XXXX : XXXXXXXXXXXX incorrect. Per conference calls with borrower and VP, he would insure the escrow was calulated correctly ( admitting fault ) and Perm Mod ( documents just received today by borrower ) for her signature is MORE than the amount discussed. The issue primarily with all modifications is the lender is hold the money in a que, charging a fee to call in to make payment ( can not make payments online during a modification ). The statements the borrowers receive shows no payments - foreclosure department is not notified or " In sync '' and many people I know were foreclosed in the middle of making ONTIME mod payments. 
This needs to be escalated because the borrower was promised the re-calulation by the VP and still wrong. Now the borrower does not know what to do.. she could not afford the payment to begin with and that is why she applied for a modification - but if escrow ( insurance THE LENDER CHOSES ) is high and the borrower finds another policy that is less expensive, why should the borrower be penalized? The perm mod documents are near the same as her ORGINAL mortgage payment. Makes NO SENSE. Needs investigated please.
The bank is not upholding policies in regards to when a customer filed a claim against an unauthorized transaction.. in my opinion I believe the Fifth Third Bank discriminate against customers especially myself.. I was told one thing over the telephone however going to the branch its a different story ...
Enhanced Recovery Company reported a collection to XXXX on the XXXX of XXXX XXXX. I feel they are violating the Fair Debt Collection Reporting Act by acting as an original creditor and updating my credit report as of the XXXX of XXXX XXXX showing that this debt is 30 days past due. Also, they have not/or will not produce original documents of a signature and/or contracr showung this debt is indeed my debt. When I viewed my XXXX credit report it shows the original creditor to be XXXX XXXX XXXX.
Nationstar Mortgage sent me mortgage statements in XX/XX/XXXX indicating past due balances of more than {$140000.00}, however, Nationstar has deleted the credit line from my credit report. 

OnXX/XX/XXXX, XXXX XXXX 's associate, XXXX called me to inquire if I had an HOA and to verify if it my telephone number was a cell number and if it was ok to contact me on that number. 

Nationstar Mortgage generally refers me to their counsel, XXXX XXXX, to inquire about the status of this alleged account. Nationstar or their counsel will not talk with me referencing this account or advise status. 

I have vehemently disputed this account since XX/XX/XXXX, I have not made any payments or agreed to make any payments. 

N
I applied for a personal line of credit through  XXXX   XXXX   XXXX   XXXX  last week. Although I have had  XXXX  loans with  XXXX   XXXX  and only ha d 1 lat e payment, I was turn down for the loan.  XXXX , the loan officer, at the  XXXX  location explained that I had a " really low credit score ''. She also explained that they pulled reports from  XXXX  and Equifax. When I asked her what my score was, she said my Equifax score was a  XXXX . She said they relied more on Equifax because it was the most reliable. I was surprised as I had just pulled my credit reports the day before and my Equifax score was a  XXXX .   Today, I received a letter from  XXXX   XXXX  explaining why my loan application was turned down. It states that the decision was based on my credit scores from Equifax and  XXXX . It also states that my Equifax credit score is a  XXXX  ( please see attached ).   I called  XXXX   XXXX   XXXX  # to ask the loan dept. why was I told my Equifax credit score was a  XXXX  when their loan dept. letter to me states I have a  XXXX . When I spoke with the loan officer on the  XXXX  # she verified that it was my Equifax score and NOT my  XXXX  score that was showing a  XXXX .   I am very bothered and suspicious that I was turn down for a loan based on erroneous information. I want to know where  XXXX   XXXX  received the information that my score for Equifax is a  XXXX ? I want to know how many scores do I have with Equifax that i am getting different scores. We are talking about a  XXXX  point difference.
I have a mortgage with XXXX XXXX. I had it set up to make automatic payments. XXXX, changed their processor to SLS ( Specialized loan servicing, XXXX ). I contacted this company when my normal payment was not withdrawn. The representative told me that I did not have to make a payment until XX/XX/XXXX. I told them I did not want to accrue interest until then with no payment. I then proceeded to call back as instructed to set up the automatic payments. When a couple of weeks later I received an email stating that the could not find my bank account. Also a letter telling me I was delinquent. ( this all started in XX/XX/XXXX ). Again I verified all my account info and assumed it would work. No such luck again the same process. I called again only to receive another pair of letters. Another call and again the same thing. I called yet again and talked to a person named XXXX, that seemed to know what she was doing, she assured me this would not go on my credit report and investigated the failure to withdraw money from my account. I had been instructed previously to contact my bank as to why and my bank said all the info was correct and the withdrawal would only show account not found if it had been submitted as a savings withdrawal. XXXX said indeed it had been submitted as savings even though in every previous call I had been adamant that it was a checking account. She told me she would call me if there was a problem. This company also records all calls! Well yesterday, XX/XX/XXXX I received a letter stating my mortgage was delinquent ... no for me not trying. I was also told at one point that they use " XXXX XXXX '' for their transactions and did n't take a check. I am beyond frustrated with this company and I have all three payments, XXXX, XXXX, and XXXX in my account and yet another letter making me feel like a deadbeat for nothing that is or has been my fault. I think this company is doing this to accrue interest and cause people grief. A business that ca n't process a simple on line payment that I have never had an issue with can only be interested in their bottom line and nothing else. I told them the last time I called I am going to pay the loan off just to get rid of their poor customer service and threats with no basis letters in XXXX, but I am afraid I will never be able to manage as they can not seem to process a simple transaction. Please help me! I am sure this will also help others as well
On XX/XX/XXXXMy card was stolen and used at a number of ATMs and possibly one check cashing location for a card advance. I reported the fraud when I became aware of it the next morning. I don't know how someone got my pin number other than that I did use the card at an ATM in a bar prior to leaving to go home for the night.

My claim of Fraud was denied on the XX/XX/XXXX and I was instructed that If I wanted to have the claim reconsidered I would have to open a police report for the theft. I did report the card theft and the theft of {$1400.00}. The case was reopened with Bank of America. The bank last week finally got back to me and said again that there was no fraud. They cited their reasons for their decision as : Pin number was used and no attempts were declined indicating that whoever was using the card had knowledge of my bank account.

The person using my card at ATMs was covering their head and camera footage was not available to determine who it was.

There were in fact, a number of attempts that didn't go through because they tried to take out more money than I had and, once my account was cleaned out, I was at a negative balance of over {$700.00}.

The bank is now saying that I need to submit new evidence in order to reopen the case. I do have a receipt for a Pizza I bought at the time of the fraud that was delivered to my home which is no where near where the card transactions took place. I am unable to get a cell phone usage statement from XXXX  without a subpoena and I was asleep for most of the fraudulent activity so I have no other evidence of my whereabouts at the time.

What more is there to be done? I'm still out {$1400.00} and the bank has been charging me overdraft fees that I am unable to pay because all of my money was stolen. I additionally had to take out a loan from my parents to cover the loss as this occurred just after my pay day. MY bank account is still over {$700.00} negative. I have since opened an account with a new bank since I can't trust keeping money with Bank of America?
I entered a retail contract with XXXX 's appliances in XXXX of XXXX. I made monthly payments in the amount of {$410.00}. On XXXX XXXX XXXX, I received a payoff amount of {$1600.00}, which was paid in full on that date. I never received any notification of the account being paid in full and closed, although it was requested multiple times. In XXXX of XXXX, XXXX 's began reporting to all XXXX credit bureaus that my account was delinquent 90+ days, even though the account had been paid in full in XXXX of that year. In XXXX of XXXX, after multiple disputes, XXXX 's agreed to settle and close the account and remove ALL negative remarks from all 3 credit reporting agencies. XXXX 's appliances has reported that the account is closed, but has not removed any of the fraudulent prevaricating negative connotations on my credit report. These negative marks are diminishing my credit worthiness and need to be removed immediately as previously promised.
On XXXX XXXX, 2015 after a purchase of {$8.00} at XXXX, I had a {$260.00} ending balance. The following morning, when I attempted to get gas on XXXX XXXX, 2015 ( It was not a funny XXXX Joke ), I discovered the account had a XXXX dollar balance. 
I immediately contacted Direct Express to no avail. I was told it was being researched and that the card was not FDIC covered ( which is untrue ). I was told they did not have to follow FDIC rules, nor did they have to respond in any certain time frame or replace my money to my card. 
This situation has been going on over 30 days now, with still no resolution. I have called multiple times a week since this incident happened, with no resolution in sight. 
I have called the FDIC and have filed a complaint. 
After this incident on XXXX/XXXX/15, my card was compromised on XX/XX/XXXX-XX/XX/2015 by someone in XXXX XXXX, who XXXX up over {$900.00} in XXXX charges. Direct Express/XXXX refunded my card {$400.00} and is reviewing the FRAUD ( 90 day process ). I filed an FBI report and Police report. I filed all necessary forms requested by Direct Express. 
However, the company refuses to address the {$260.00} that went missing PRIOR to the XXXX XXXX and XXXX, 2015 FRAUD happening. 
*** In the process I have received a closing notice for my electricity, due to the fact that the {$260.00} went missing from my account. This card belongs to a XXXX person, with no other means to support themselves. This matter needs immediate resolution! 

Note : My docs are to large to upload to this complaint.
The bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX A Struass XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment XX/XX/2015 for a XX/XX/XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX XXXX couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$250000.00}. The property in question is still in the name of the Estate of XXXX XXXX and the bank has illegally entered the property. Changed the locks. Started remodeling. Pulled permits. On a property they have no legal right to open and enter. The apartment is not in the name of the bank or a new owner. They apartment is now being offered for sale by XXXX XXXX XXXX XXXX # : XXXX for {$720000.00}. The apartment is still in the name of the Estate of XXXX XXXX. The bank and the buyer have not been able to transfer title, do to its illegal actions. The Estate feels it is do all remedies available to it by law. Breaking and entering changing the locks without authorization of the Estate which still legally owns the property. They also remodeled the kitchen and bathrooms illegally. Please help the Estate of XXXX XXXX our deceased daughter.
I received a {$270.00} pre-paid Visa card from MyPrepaidCenter.com in   XXXX   2016. The card was labelled as " Valid Thru  XXXX  ''. I last used the card in  XXXX  2016 and it still had a value of {$93.00} according to MyPrepaidCenter 's own website. I called them today to have a new card issued and they said they would only do it if they charged me a {$15.00} fee and also they have been charging me a {$3.00} maintenance fee every month for the last 8 months since this arbitrary " valid thru '' date passed. Now they say the value is {$62.00}. I believe these fees are illegal and violate the CARD act, and a {$15.00} reissue fee is excessive.
Experian Report # XXXX XX/XX/XXXX Experian has on my credit report Inquires shared that I did not approve or sign giving consent to the Inquires> Experian needs to remove the ones I listed and/or proof the source the document I gave them to consent to check or run my credit. I need document that shows my signature or remove from my credit file. Some Inquires I approved The ones I listed I did not consent to or sign as it shows the same companies running credit or dates I did not apply for credit. 

1 XXXX XXXX XXXX. XX/XX/XXXX 2 XXXX XXXX XX/XX/XXXX 3 XXXX XXXX XX/XX/XXXX 4 XXXX XXXX XXXX XXXX XX/XX/XXXX 5 XXXX XX/XX/XXXX 6 XXXX   XXXX  XX/XX/XXXX 7 XXXX XX/XX/XXXX 8 XXXX XXXX XXXX XX/XX/XXXX 9 XXXX XXXX XXXX XX/XX/XXXX 10 XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX 11 XXXX/XXXX XX/XX/XXXX 12 XXXX XXXX XXXX XXXX XX/XX/XXXX 13 XXXX/ XXXX/XXXX XXXX 14 XXXX  XXXX XXXX XX/XX/XXXX These companies I did not apply for credit in any way and who ever ran the credit did fraud and I need documents of my signature to these companies and the Inquiries Deleted/Remove.