WillisBack/dataset-financial-user-claim huggingface dataset:
This is regarding predatory lending via telemarketing to the elderly. The 2 Wells Fargo telemarketers are XXXX XXXX & XXXX XXXX. They called my XXXX & XXXXyr.old parents from another state to coerce a woman w/XXXX & a man w/XXXX XXXX into a 30yr. refi. No mortgage protection insurance was offered, no borrower 's atty was present, no program to better suit their needs was offered. CT is a state that enforces Predatory Lending. I have been asking questions to Wells Fargo for over 1 yr. to address & they have resisted. XXXX Vice President, XXXX XXXX & her " staff '' are making a mockery of the CFPB by continually not addressing my questions. They sent a 41 pg. redundant PDF & not 1 of my questions was answered. How shameful. Again, where are XXXX XXXX & XXXX XXXX & where is their transcript? Why weren't my parents offered mtg. protection ins. should one of them die? Why was no attorney present to explain what was transpiring to my elderly parents? Wells was pd {$71000.00} on an {$81000.00} loan. I offered {$20000.00} from a reverse as a " short pay-off '' & Wells refused the offer. I will not pay for a criminal offense. XXXX XXXX calls me & has the gall to ask me if I have any questions? What does she think I have been asking for 1 yr & now am asking the CFPB to inquire? She is ridiculing both of us!
We are in the process of purchasing a home and we started this process in XXXX of XXXX. I am legally XXXX and my name is XXXX XXXX XXXX and my Significant other is XXXX XXXX XXXX. We are in the final stages of closing but we have come across an issue that has been causing us nothing but headaches. XXXX XXXX XXXX was married and got a divorce back in XXXX. In her divorce decree her ex-husband agreed to pay those XXXX bills and unfortunately, he passed away and never paid those XXXX bills. XXXX was unaware of these XXXX bills had gone into collection. XXXX did address the one from XXXX for {$1000.00} and has been settled. The one for XXXX recovery has falling off her credit report. The issue that we are encountering is that Caliber Home Loans is running a supplement credit report and it is still showing both collections in dispute. This would be incorrect since XXXX has all XXXX credit reports from all XXXX credit bureaus { XXXX, XXXX, XXXX }. Caliber is using a XXXX party software from XXXX. XXXX was advised that to contact XXXX. On XXXX, XXXX contacted XXXX at XXXX and spoke to XXXX. XXXX stated that XXXX only updates its credit history every 60 days and that is why her credit history would be in accurate. We have requested that Caliber get an updated supplemental credit report numerous time and each the report comes back the same. Our loan officer and his staff have made very clear that they are unwilling to accept any other source { XXXX, XXXX, XXXX } printed report. I have spoken to a few other Mortgage Loan Companies and they have told me that they have a gap of no more than 3 days. It is very clear that either Caliber should not be using XXXX or that XXXX XXXX is discriminating against us. I a deaf and use equipment to talk over the phone.
The conversation was not obscene, profane or abusive, but I feel their tactics to get you to repay is unlawful. On XXXX XXXX, 2015, I called National Credit Adjusters to set up a payment arrangement beginning XXXX XXXX, 2015. XXXX XXXX asked me could I make a payment this month. I told her no and that I do n't get paid again until XXXX XXXX. She then asked me what would be different in XXXX and what will be different considering that I just got paid and already do n't have money. I told her I would get paid in XXXX and I do n't think it 's any of her business what will be different and that if I am calling to set up payment arrangements, then its obvious that I will have money on that date. She stated that it was her job to ensure I would have to money to make the payment. We went back and forth and I hung up on her. I then called back and asked to speak with a manager. I spoke with XXXX XXXX. He reiterated that it is their job to ensure that money will be available to make the payments. He would not set up payment arrangements with me and told me to mail the payments in when I could. We then argued and I hung up on him as well.
I opened a dispute for a monthly transaction on my paypal extras mastercard that I didn't initially notice. PayPal Extras MasterCard is the product, XXXX XXXX is the servicer. 

I opened the dispute and ordered a new card. I was sent a new card but that card was blocked my PayPal shortly thereafter. So while I waited for this dispute to be resolved, I did not have access to my account, my statements, and received no bills. They made it EXTREMELY difficult to simply pay my bill. 

I have now been notified that the dispute has been resolved and the credit issued to my account, however, I STILL CAN NOT ACCESS MY ACCOUNT! This can not be legal. I also had late charges incurred due to these fraudulent charges and want to make sure those are no longer on my account.
Wells Fargo NA as a trustee with XXXX XXXX XXXX XXXX foreclosed and won a final judgment on our home when 1 ) there was NO LIEN on our property description and 2 ) under a false fabricated trust which the Securities and Exchange Commission confirmed does not exist which is Certificateholders of Master Asset Backed Securities Trust XXXX, Mortgage Pass Through Certificates, Series XXXX. The case was initiated by XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX County Florida case # XXXX against XXXX and XXXX XXXX. XXXX XXXX XXXX Firm abandoned the case and XXXX XXXX XXXX firm took it upon themselves to continue the lawsuit in XXXX. They are a very aggressive, unscrupulous law firm that submitted fabricated fraudulent evidence and a robowitness that testified he was there for XXXX until their lawyer XXXX XXXX showed him the final Judgment paperwork to recite. This was at the very beginning of the trial! XXXX XXXX XXXX provided the witness for trial. They sent us a XXXX IRS form, XXXX XXXX, stating that THEY were the lender with false figures and a fabricated loan number. XXXX XXXX they sent a real estate representative to strong arm us with paperwork and threats that we need to have a backup plan and we need to get out now! We believe they also hired attorneys from XXXX XXXX XXXX located in XXXX XXXX Florida to also threaten us to leave. We reopened the case when we finally figured out there was no Lien and confirmed with the Securities and Exchange Commission that the trust did not exist. We have put in an Emergency Motion to Vacate and are anticipating a Writ of Possession from unauthorized companies and people. Now we even have doubts that XXXX XXXX were authorized to pursue the wrongful foreclosure. My husband has been XXXX 5 times since XXXX in which he almost XXXX. We are constantly on watch because of the aggressive picture takers ( inspectors ) that would show up in front of our property violating our First Amendement privacy as well as USC 15 Section 1692 ( d ) ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. They have been advertising our home for foreclosure sale on XXXX and XXXX Today since the case started. I kept records of the phone calls from XXXX XXXX XXXX ( pretending to be a servicer ) where they would call up to six times a day. We are on alert and check the case status register several times a day awaiting the Writ of Possession which we will also ask the court for a stay so we may explain our motion to vacate the final Judgment. We spent {$20000.00} on attorneys that basically did as little as possible to continue getting paid. The attorney we had for the NonJury Trial told us not to show up at court and never defended us. He let XXXX XXXX submit fraudulent manufactured evidence as well as fake witnesses. We are still occupying our home but we are prepared to leave at any time if they put in a Writ of Possession but even if we leave we will continue to pursue Justice to have our home put back in our name and ownership. Thank you for your time and help!
I called XXXX XXXX  the last week of XXXX and the first week of XX/XX/2018 in an attempt to try to pay the past due balance of {$3500.00}. When I reached out to them they told me that the debt was too old and they can't receive payment from me. I was told the account had been forwarded to their legal department and reported it to the IRS and legal action was being taken. Then I was told the account had been sold. When I asked who was the third party it had been sent to, I was first told was unknown then I was told that I could not get that information and had to wait to be contacted. I am currently still waiting to be contacted and have not heard anything from anyone but they keep negatively reporting it on my credit report every month despite my attempts set up arrangements to pay the debt.
Not only have I been a victim of fraud, I also was a victim of the Equifax breach .And now there's collections dated XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( XXXX XXXX XXXX ) on my report. To keep this on my report goes directly against the language in the FCRA.
I opened accounts with XXXX XXXX and XXXX XXXX in XX/XX/2018 to help increase my available credit and lower my utilization on my credit reports as I am trying to repair my credit. I pay a monthly fee for both in exchange for on time payments being reported to the credit bureaus. Both companies operate from the same address and phone number and report their accounts under the name of XXXX XXXX XXXX. The account numbers on their websites do not match the account number listed on my credit report. I have not had any late payments of 30 days or more on either account, only 3 and 5 days late. I received a notification from my credit monitoring service on XX/XX/2018 that my XXXX XXXX account had late payments reported and that I owed a balance of {$60.00}. I paid off this account on XX/XX/2018 and had a XXXX  balance showing on my online account. I did not have any other charges until I called customer service on XX/XX/XXXX to renew my account for {$150.00} and discuss the late payment. I talked to XXXX XXXX who verified that their accounts are reported under XXXX and told me that they had a glitch in their system that was reporting false late payments and I was not the first person to call about it that day. She advised me to send her an email to XXXX with proof of the late payment and she would forward it to tech support to correct the issue. I sent the email but did not receive a response so I called customer service again on XX/XX/2018 and was told to send an email again to support @ XXXX and the issue would be corrected for the next reporting date at the end of the month. When it did update, they only changed the status to pays as agreed but did not remove the late payment or update my balance. I filed a dispute with XXXX on XX/XX/2018 for the late payment and incorrect balance and received the results on XX/XX/2018. According to XXXX, everything was verified on the XXXX and they did not remove the late payment or update the balance to {$72.00}.
Our Original Mortgage was purchased with XXXX XXXX Bank XXXX Georgia and later was sold to a third party mortgage management company by the name of Ocwen Loan Servicing , LLC . Ocwen collects our property taxes on our monthly dues and place them on a escrow account. At the end of the tax year, they are supposed to used that money from this escrow account to paid our property taxes. Ocwen has failed to paid our property taxes on time and we are receiving delinquent tax notice from the Tax Commissioner Office. We are also been fine by the tax commissioner office for not making the payment on time. Trying to resolve this matter with Ocwen leads to a costumer service call center phone line in the country of XXXX, were they reading a script from a computer screen, and blame the costumer for the problem. Ocwen official written letters confirmed that they are ; collecting the money in a escrow account, that they are legally bind to paid our taxes from the escrow account, that they are fully aware of the property taxes payment due date, as well as to who and where the payment should be addressed to. Ocwen tarnishing our credit score and records by paying our property taxes on time as specified in our original mortgage contract with XXXX XXXX Bank XXXX Georgia.
On XX/XX/2018 the representative, XXXX, contacted me after being informed to not contact me and that I would contact her when I had the funds. At XXXX XXXX CST XXXX violated a FDCPA law by providing information about my account over the phone without verifying my account nor insuring she was speaking to the correct account holder.
TransUnion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
I hired RCM Mortgage as my mortgage broker for my VA home loan purchase made in XX/XX/2016. RCM Mortgage made a huge error when calculating my estimated payments. I was provided with documentation along the way with the estimated monthly payment and the Final Closing Disclosure provided at closing as well as other closing documents showed an estimated monthly payment of {$1500.00}. I recently received my Annual Escrow Disclosure statement from my mortgage company and learned about RCM 's error. As stated, RCM Mortgage estimated my monthly payment including escrow at {$1500.00} but in actuality the estimated monthly payment should have been {$1700.00}. RCM miscalculated the property taxes and provided the incorrect payment amount on my closing documents. The error resulted in a difference of {$140.00} per month and {$53000.00} difference over the life of my loan. Today I have an escrow shortage in the amount of {$1700.00} and a huge payment increase to deal with. I contacted the broker to discuss the error and simply only received an apology. I contacted the manager of RCM Mortgage and did not even receive so much as call back. Due to the miscalculated payment which was RCM 's error I am now contractual obligated to a payment that I am not comfortable with. I made the broker very aware that I was very sensitive about the payment and only closed the loan based on the information that they provided. I was not provided with accurate closing information and feel that RCM acted in an unethical manner when negotiating the terms of my mortgage loan and provided closing information that they knew I would agree upon even though it was not accurate. I would like RCM Mortgage to provide some type of monetary settlement to help offset their error.
The account was in my name, but my husband managed it during our marriage. Once the divorce dust settled, I had control of the card, with a XXXX balance and a $ XXXX limit. However, I did *not* have access to the online account. I could n't pass the security questions, since I did n't know if " father 's middle name '' meant *my* father or my ex-husband 's father. And since the account had been active for at least XXXX years, I did n't know which phone number, address, or even state they were asking for. I called the Bank several times to tell them that I did n't have access, especially since they sent all communication and statements to the online account. All anyone would say was that they did n't have access to my account and could n't help me. Throughout XXXX years of unemployment, I tried to find work, but could n't. I ended up borrowing about $ XXXX against the card. I managed to continue payments, even as I was losing my house. I discovered that my online statement was n't what I thought it should be, but I could n't get into the online account to find out what was going on. Again, I contacted the bank, but found no help there. I finally found work in XXXX. Before leaving, I went to the bank in person, although I had never banked with them face to face. The banker took over an hour calling various people, but was finally able to figure out what had happened. At some point, they had raised my interest rate -- informing me via the online account. My regular monthly payment was then less than the amount due, and so incurred penalties and interest. That then raised the payment due, which had a snowball effect. I was then nearly $ XXXX in debt to them, almost as much as the total I had borrowed years prior. The bank and I reached an agreement in which the card was canceled and I would make payments of about $ XXXX for XXXX years. Realize, as I pointed out to them, that since I was moving to XXXX, I could easily have skipped out on the debt. However, I wanted to do what was right. After XXXX years of payments, I received a statement via email with the total in the body of the email, not in the online account. I was shocked to discover that the total owed had not changed. That told me the bank had continued assessing penalties and interest. I stopped paying. Now they are trying to serve me with a summons for a lawsuit, again for just under $ XXXX. Granted, they wo n't have much luck with that with my living in XXXX, but I still hate that I owe these vultures anything. I ca n't prove anything, since any paperwork we signed will be in a file somewhere in a storage unit in Maryland. I 'm going to have to scrounge to even find the account number! I would have no problem declaring bankruptcy, but now that my mortgage has been foreclosed on, I do n't have any other debts. I also do n't own anything ( house, car, property, etc. )
On XXXX I noticed an item was placed on my credit profile for a medical bill that was never brought to my attention. MedicalRevenueService ( {$750.00} ) I was never sent a bill, never was notified that I owed this money. As per my report it states it was a bill from XXXX/XXXX/XXXX in which I did n't even visit the hosipital at that time. I want this item removed from my report as I have no Knowledge of the account nor was I even notified that this was being inserted onto my credit. I opened a Credit dispute on this issue with XXXX  XXXX/XXXX/XXXX. I am awaiting the results.
Dear sir onXX/XX/XXXX I applied for a mortgage loan on a short sale for a condo at XXXX XXXX XXXX XXXX XXXX XXXX l the price was XXXX of which I was putting XXXX down. I used Bank of America as I have a XXXX XXXX act. XXXX was directed to XXXX XXXX XXXX at. XXXX XXXX XXXX ex XXXX who after checking my income said I quifled and was directed to loan staff who asked for a ton of paperwork like a year and a month of XXXX XXXX   statements-XXXX income tax papers they wanted me to explain the use of PO box I use 8  years, checks I wrote to a private party for 3 weeks rental in XXXX XXXX. They wanted to contact the owner of a private mobile home park that I rent a site in and said he never call back but did n't give him a ext. # They gave me 5 different loan offercers who ask me for material witch was already sent. XXXX XXXX who l had the most context with made me to believe once she received this or that the loan would be approved. XXXX XXXX led me to believed he was the prospered to close loan XXXX XXXX  who is a superviser # XXXX ex XXXX made me believed she could take care of things. XXXX XXXX to me she. Has e very thing she needed but soon dissapered. XXXX ext XXXX had a short life too. XX/XX/XXXX  XXXX XXXX sent a ciosing statement final figures TBD. On XX/XX/XXXXXXXX XXXX caiisd and  said w e had short sale approval. I had until XX/XX/XXXX to close on this condo. I received a call from XXXX XXXX telling me the area was not in a approved zone for a mortgage from them I believed because of my age XXXX they tried to discorge me after 10 weeks of paperwork they led me to believed approval was coming I stayed in motels wor weeks waiting for approval why would checking to see if condo was in a approved was one of the first things to do was n't done before all this time and expense was XXXX
The original owner was XXXX XXXX sold to portfolio recovery associates XXXX. I settled and paid in full with portfolio recovery. I need portfolio recovery as well as XXXX XXXX to comment on my account ( my credit report, all three. That this XXXX XXXX store card or credit card was paid and settled and paid in full. Was a charge off but need remarks to say, or comments as paid and settled in full please. Thx XXXX XXXX
Perfection collection with the amount of {$2100.00}. I started paying on this debt XX/XX/XXXX. Current balance is {$1200.00}. I have disputed the balance on my credit report. They launched an investigation in which the debt collector stated it was correct balance and still owed {$2100.00}. I then reached out to debt collector in XX/XX/XXXXand XX/XX/XXXX asking to send me a copy of the balance and to update the credit report. I called numerous occasions in XX/XX/XXXX and have not heard from them. I then reached out to all three credit bureau also sending in my proof which shows current balance. Attached is the balance I have after payment was made XX/XX/XXXX.
I tried to close my CD account with Goldman sach bank Account num XXXX I was asked for more penalty than the interest I earned from the CD.

This is unfair how can they charge me more than interest earned from the CD.  My Principal is FDIC secured. So basically if they charge me more they are reducing my principal which is already secured.
CHEXSYSTEMS QUOTES RULES AND THIER PURPOSE WHICH I HAVE NO OBLIGATION TO PERFORM, XXXX OPERATES ON A PRESUMPTION, I DONT HAVE ANY CONTRACT WITH THESE DECEPTIVE MISCREANTS, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX  XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX  ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE XXXX
In late XX/XX/XXXX, I received a letter from Bank of America alerting me that my Credit Limit had been decreased from {$4000.00} to {$2200.00} due to a delinquency in the account. I was extremely confused by this as the payments are automatically sent every month by XXXX XXXX XXXX. I called Bank of America and was informed that the account was considered delinquent because my last payment was late and I was hit with a {$27.00} late fee and they are unable to waive the fee. The agent I talked to stated that the due date was on the XXXX for that month. Normally the due date for Bank of America is on the XXXX. There was no holiday or any reason for the due date to have been moved that month. The agent was perplexed by this and could not offer a reason why the due date was moved up. 

By having the due date moved up ( without consent ) my payment was considered late which triggered a late fee and made the account delinquent per Bank of America. This also caused the account 's credit limit to be sharply cut as well. BoA has offered very little to assist in this and I am submitting the complaint to the CFPB as the due date should never have been changed and was utterly unacceptable.