WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern, I feel I have the need to file this complaint because Ocwen Loan Servicing , LLC, hereinafter referred to as Ocwen, has refused to take the mandatory steps required under the Federal Truth In Lending Act, hereinafter referred to as TILA. After a few of years of going back and forth with my servicers regarding the ownership of my loan, I decided to do some research on my own. During my research, my servicer had switched from XXXX XXXX XXXX to Ocwen. After sending XXXX XXXX XXXX numerous letters, I had to send Ocwen the same letters I sent to XXXX XXXX XXXX. Ocwen never addressed the Qualified Written Request that I sent in its entirety. It eluded some requests and failed to provide other documentation requested. After more research on XXXX XXXX, 2015 I mailed to Ocwen a Notice of Rescission. The Notice of Rescission was mailed on XXXX XXXX, 2015 and received by Ocwen on XXXX XXXX, 2015. Ocwen failed to take the necessary steps mandated by TILA. Pursuant to TILA, Ocwen should have taken the steps to unwind the transaction and provide me with a reconveyance or file a declaratory action against me within twenty ( 20 ) days after receiving the Notice of Rescission. Ocwen chose not to take any of those mandatory steps. Because Ocwen has failed to comply with the mandatory provisions under TILA, they have waived any and all defenses to my Notice of XXXX. Once the twenty ( 20 ) day period has passed, the Notice of Rescission is no longer subject to attack. The facts are clear and undisputed. My loan was rescinded and extinguished by operation of law on XXXX XXXX, 2015. Under TILA and Regulation Z, hereinafter referred to as Reg. Z, delivering notification to the person or address to which I have been directed to send payments constitutes delivery to the creditor or assignee. The Office Staff Commentary clearly indicates that a notice to an agent can suffice as notice to the principal. Rescission rights are equally enforceable against original creditors and assignees. As noted by the Official Staff Commentary, the creditor 's interest in the property is " automatically negated regardless of its status and whether or not it was recorded on perfected ''. The security interest is void and of no legal effect irrespective of whether the creditor makes any affirmative response of the notice. Also, strict construction of Reg. Z would dictate that the voiding be considered absolute and not subject to judicial modification. I have filed this complaint because of Ocwen 's clear and blatant disregard for the law. Because the rescission is suppose to be self-enforcing and because the deed of trust and loan are canceled and void by operation of law the date the rescission is mailed, Ocwen has no legal right to attempt to enforce a foreclosure and demand payment. Pursuant to TILA, once the rescission has been mailed, I am no longer responsible for the debt or any finance charges. Non-compliance is a violation of the Act which gives rise to a claim for actual and statutory damages. By filing this complaint, I am hoping that the CFPB will review this Complaint and take the necessary actions towards Ocwen for their violation of Federal Law.
This issue was reported with cfpb on Case number : XXXX and it was resolved with XXXX ( it was deleted from my credit report ). However, XXXX is reporting the XXXX mortgage with XXXX XXXX and Rushmore Loan Management Service. This mortgage is related to only XXXX property that was voluntarily surrendered and it is related to my first mortgage ( with XXXX XXXX ) that was already deleted from my reports. 

I am disputing the RUSHMORE LOAN MGMT SERVICES credit item because : My property, located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, was Surrendered/Foreclosed with XXXX XXXX. Account is reported in my XXXX Credit Report as : FORECLOSED WITH XXXX XXXX XXXX Account Number : XXXX .... Date Opened : XX/XX/XXXX Status : Foreclosed ; and also in XXXX XXXX Account XXXX as closed. 

Experian Account XXXX belongs to XXXX XXXX XXXX ( which went bankrupt ) and it is a second mortgage that I had with XXXX XXXX XXXX ( XXXX Mortgage was Account Number : XXXX ) My XXXX mortgages ( XXXX for the same apartment located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) with XXXX XXXX XXXX were account # XXXX & account # XXXX. XXXX XXXX filed for bankruptcy and my mortgages are closed. The following accounts are related to the same property located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( collateral for XXXX mortgages as established in my Agreement with XXXX XXXX ) : XXXX XXXX Account # XXXX ( XXXX mortgage ) is currently deleted from my report. 

XXXX XXXX Account # XXXX ( XXXX mortgage ) is currently FORECLOSED/SURRENDERED, but is being reported TWICE in my credit report with RUSHMORE LOAN MGMT SERVICES Account Number : XXXX Status : Open. {$9500.00} past due as of XX/XX/XXXX and XXXX Bank as closed. 

Please correct my credit report since these duplicates/incorrect information is affecting my score. 

Sincerely, XXXX XXXX XXXX
Mortgage company has filed a trustee sale against my property while a lawsuit against them is filed. For the past 2 years I have tried to reach an agreement and resolve our differences with this company, and one option was to modify the loan, and for about a year their employees kept losing the paperwork that was being submitted to them, I kept re-sending them the same papers 2 or 3 times and still they would deny the modification stating that I did n't submit all the requested documents. I got fed up hired a law firm, they filed a lawsuit against them, because this company uses Robo-Signers, this means they used a random name as the person who signed the assignment of the deed, the signer does n't even work for the company, but on the document that person is appearing as the vice president of the bank. They use forged signatures to foreclose on homes. During the lawsuit process, the staff from the law firm were finally able to reach the bank, and receive a modification to which bank was not willing to disclose the terms. They stated that I must pass a trial period, which means I have to make 3 payments for the amount they stated, after that they will provide the terms of the modification. I did make those trial payments, and after they sent me terms that were completely unacceptable. I made several attempts to reach them, in order to discuss the terms, prior to signing or agreeing to anything, I was not able to reach anyone. I left 4 messages within 15 days, and did not receive any call backs. I did however receive 3 calls from the bank, when I picked up it was a machine stating that I need to call the bank regarding default payments. I would call them right back, and again be transferred to a machine where again I had to leave a message, and no calls were returned. I even sent email to have someone call me back, even my attorney tried to get hold of someone and failed. Now a court date has been scheduled for XXXX XXXX, and bank decided to set up a trustee sale 3 days prior to the court date, for XXXX XXXX, while a lawsuit is still pending. I need to stop the trustee sale until the lawsuit is over. Bank is trying to foreclose on my house without any proper documentation, actually even worse, with forged documentation. I need this to be stopped.
My 5/3 Bank auto loan is showing late on my credit report. I have always paid my account on time maybe not on the exact due date but I did not miss a payment or 30 days late on my payment. 5/3 makes it extremely difficult and confusing to understand payment details. They will not send a bill and there is not a bill on line. I also have never received a late notice or the online information does not tell you if you are behind on your account. I thought if you are late on your payment you are supposed to receive notification. I reviewed the online account and there is not a notice stating I am late. They try and make it as difficult as possible to follow your account because of the limited information provided or should I say not provided. I made all my payments, if they did not received the payment why didnt I receive notice. Their practices are extremely deceptive. They collected millions or billions of checking fees from posting debts before they would post your credits. How deceptive. 
XXXX XXXX
I have been receiving at least 2-3 calls a day from XXXX XXXX XXXX. They have called my parents, my in-laws, my brother and my husband repeatedly. They called from different numbers each time. When I talk to them they are very rude and say I am playing games and that I am irresponsible. I have explained to them many times that I do not work, I have no income and to please stop calling. They keep calling me non stop. This week alone they called me 4 times on XXXX/XXXX/XXXX, my husband and myself, once each on XXXX/XXXX/XXXX, my husband on XXXX/XXXX/XXXX. They called my in-laws twice that I know of 2 weeks ago. 
They lie and say my husband setup a payment arrangement, which I know is not true. 

These people are rude, they talk over you, never letting me explain my situation. They never say they amount that is owned. They WILL NOT send something in the mail, they say they CAN NOT do that. They have called so many people that I know that it is embarrassing.
I was a dummy and paid for this service for 12 months ( XXXX ) at $ XXXX month. This company promised to " fix my credit ''. I complained about the process several times and they assured me that " most clients start to see changes after 90 days '', and then " most clients start to see changes after 6 months '', and finally " most clients start to see changes after 1 year ''
In XXXX 2014 XXXX gift cards I purchased at Home Depo each for {$500.00} for total of {$1000.00} ended up having a value of {$0.00}. The store told me the cards were used in California after I purchased them. I always had them in my possession and I believe there is big time fraud going on there with gift cards. My research says people maybe even the mgmt of this company gets the numbers on back of cards re inks cards then innocent people like me get ripped off after buying them for gifts. This was on TV news recently which is why I decided to pursue this a year later. These cards should be locked up etcc.. before selling but if Mgmt is involved that wont help ... ... ... I purchased other cards at different home depot and they were fine ... This XXXX store is commiting fraud and they act stupid when its brought to there attention see letter.
I started the process of refining my 30 year mortgage into a 15 year fixed on XX/XX/2016. I understand I am self-employed and a jumbo loan so as originally stated it would be rushed to close in the normal 45 day timeline but the lender felts they could make this happen. Since then I have been asked for at least XXXX different items from my CPA. I did sign docs on XXXX/XXXX/16. They took my escrow payment. A few days later I was told I had to sign new docs but was not given a reason. An hour before the XXXX signing appointment I was told they had to start the whole process over and they found a new investor but it would be XXXX weeks tops. Here it is XX/XX/2016 and I still have not had my refi completed and they keep asking me to get more data from my CPA. I feel like they do n't believe a female self-employed single person could make the money I do. ( My partner passed away XX/XX/2016 ) and I feel discriminated against. They refuse to tell me why the first loan was not funded and will not answer me on why it is taking months to close, I have more cash in savings then the loan, I have over an XXXX credit score and I make a very high income. I would like the XX/XX/2016 loan to be funded and have the loan adjusted for the lower rate for all these months.
Since XX/XX/XXXX, I received repeated phone calls at home an work from XXXX. I requested that they send me the ensuing information concerning the debt : name and address of original creditor, copy of the original signed contract, and complete accounting /statement of payments, interest, and fees associated with this debt. XX/XX/XXXX I received a letter from McCarthy, Burgess @ Wolf regarding the same debt reference number XXXX  XXXX
SOUTHWEST credit systems l.p. Is attempting to collect a debt and is not licensed in my state to collect this debt.
After the car was returned to XXXX back in 2012 we received a letter stating that we owned nothing on the account at all. We have no idea why we are receiving collection attempts on a fraudulent amount and we would like for this to stop immediately.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
My loan servicing was transferred from XXXX to Select Portfolio servicing XX/XX/XXXX I had a loan modification with XXXX  due to being late in XXXX on mortgage during a change in job. My original loan was {$51000.00} in XXXX with XXXX, I owed approximately {$43000.00} during the time I became late and signed modification. SPS is now saying I owe {$51000.00} to them for mortgage. Terms of the mortgage should not have changed during transferring. The property is XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. SPS does not have the complete address. They dropped the apartment number. I informed them of this and by phone and in writing and they claimed on the phone, it was 'in process of being transferred ''. I have not received a response to my written complaint. I checked XXXX  which has property records, the deed is listed correctly since XX/XX/XXXXwhen I purchased, with the full address. Please assist me with not allowing these two companies to somehow take my property due to their error. I can't even be sure they are crediting payments correctly. I am working to refinance with my credit union, but my credit score isn't there yet.
I submitted a request to remove inaccurate information on my credit report and it is still on the report. I want it to be removed as soon as possible.The names to be removed are XXXX. XXXX XXXX. XXXX. These are not my names.
I have a police report for fraud Send it to the XXXX XXXX XXXX The account is fraudly open in my name I asked for a signature with my name and they failed to send but are still reporting on my credit report
I was talk into getting this car with very high interest and there has been XXXX recall on this XXXX car with this car company.I feel like i been sold a lemon .This car was given back to this company and i dont think this should be on my credit and be removed.Manufacturer : Chrysler XXXX XXXX XXXX XXXX XXXX SUMMARY : XXXX XXXX XXXX : MALFUNCTION INDICATOR LAMP ILLUMINATION. POWERTRAIN CONTROL MODULE MUST BE UPDATED WITH LATEST SOFTWARE *CNervice Bulletin No. : XXXX Component ( s ) : ELECTRICAL SYSTEM, EQUIPMENT XXXX ID Number : XXXX All Products Associated with this Service Bulletin expand Details close XXXX Associated Documents Manufacturer : Chrysler XXXX XXXX XXXX XXXX XXXX SUMMARY : CERTAIN VEHICLES ARE EXPERIENCING SCREEN LOCK UP ON NAVIGATION OR DISPLAY BLANK, RADIO WILL RESET, INTERMITTENTLY, NOT ABLE TO DIAL PHONE FROM RADIO BUT CAN DIAL PHONE, TRANSLATION FOR XXXX LANGUAGE ADDED, AFTER DISCONNECTION PHONE, FAILS TO CONNECT PHONE, ETC. MODEL XXXX CHARGER, CHRYSLER XXXX, JOURNEY. *PEroximately XXXX model-year XXXX XXXX XXXX SUVs manufactured between XXXX XXXX, XXXX, and XXXX XXXX, XXXX The Problem : Water may enter the wiring harness for the antilock brake system module and leak into the module, disabling the ABS or electronic stability control system ; this could cause a loss of stability, increasing the risk of a crash. XXXX Chrysler Automobiles noted that it is unaware of any related injuries or accidents. The condition, XXXX stated, is typically preceded by the illumination of an instrument-cluster warning light ; foundation brake function is unaffected. 
The Fix : Dealers will seal the ABS wiring harness to prevent water from entering, replace the ABS module, and repair the headlamp and dash wiring harness Read more at XXXX : XXXX # XXXX Affected : Approximately XXXX model-year XXXX XXXX XXXX XXXX equipped with the XXXX four-cylinder engine The Problem : The plastic engine cover may become dislodged and, if it comes into contact with exhaust components, pose a fire risk. The problem was discovered during an investigation by the automaker following XXXX incidents in Chile ; in each instance the vehicle had been driven extensively on unpaved or uneven surfaces, XXXX Chrysler Automobiles stated. XXXX said is aware of XXXX minor injury associated with the issue Read more at https : XXXX # XXXX car has been a lemon and XXXX refuses to back the product they sell.I am extremely disappointed with this vehicle. I have had ignition and overheating problems.I was sold an a lemon and i want this off my credit report
I contacted EOS earlier this month, around XX/XX/XXXX or XX/XX/XXXX, to discuss a settlement offer for an account they are currently attempting to collect on for XXXX XXXX XXXX. I asked what a one time settlement offer would be. The representative asked for updated contact information. I provided it as a good faith gesture that I was attempting to and had plans to settle the debt. When I provided my contact number, I told the representative not to contact me between the hours of XXXX XXXX - XXXX XXXX Monday through Friday because I was either commuting to and from work, or working during that time. I do n't talk or text while driving for safety reasons and I would get in trouble if I am on the phone during work hours. I also requested not to be contacted on Sundays. I have received 3 calls from them this week. The first two I did not answer the phone and those occurred on Tuesday, XX/XX/XXXX @ XXXX XXXX and this morning ( XX/XX/XXXX ) at XXXX XXXX. They called again at XXXX XXXX this afternoon ( XX/XX/XXXX ). I answered and the representatives phone connect was cutting in and out so bad I could barely understand the rep.
On XXXX XXXX, 2016 I sent a money transfer of {$100.00} to a friend who is starting a new job. It was supposed to be available in ten minutes ... I even got an email that confirmed it was available. On XXXX XXXX, 2016 my friend said he was experiencing problems getting the money. I contacted money gram to cancel the transaction and they told me that there was a security issue with the transfer and they needed to speak with the receiver to see if he was someone that was not allowed to use their service. 
Now, after two hours on the phone with them, they will not refund my money nor will they release it to the receiver. They say there is a government list that has the receivers name and they are trying to verify if he is the person of interest. While I appreciate the security features ... none of this was explained when I set up the account. I just want my full amount cancelled and returned to my account.
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
This website tells it all. We were under the 90 day to vacate agreement with Bank of America, we did not take cash for keys. XXXX week before we were to vacate, we were viciously attacked in our home by the new owner 's adult son. I need justice and I am not getting it! Please help me, I 'm a widow under great attack. 
Thank you! 
XXXX
On XX/XX/2018 I applied for a mortgage through Amerisave. I had been called so many times by so many places after leaving my contact info on line. I was trying to find out about the HARP program, which no one seemed to know anything about and if they did they all had different answers to the same question. A mortgage is frustrating. I finely came in contact with a man at the above mortgage company. He seemed easy to work with and all was good. He said it was approved, congratulated me and I found all the pay stubs, tax, insurance and on and on info. I payed them to have the appraisal done. I had no problem with this and knew it would appraised above what I was asking to mortgage. It did. My insurance was changed to their title company escrow, title orders, closing person picked out. Was just waiting for a date. Instead I received a email that denied my mortgage. I was so confused could not understand what could have gone wrong when everything was right. It was because the mortgage would be for a manufactured home. They do not do Manufactured home mortgages. No one told me this! I didn't know it made any difference. I spoke with XXXX online and he said he asked me if it was for a single family home loan, I believe that was the term he used. I said yes, I live in a home, only one family lives in this home. I did not know that meant " not a manufactured home '' how was I supposed to know that? He never once asked me if it was a MF home. I thought he had all the information on it, because he had access to get that info so I never gave it a second thought. I was extremely disappointed, I had cancelled another mortgage for the better terms. Since than interest rates went up My biggest problem is the {$610.00} I paid for an appraisal that was not needed on a mortgage I would never get. I was told by XXXX I would get the money back with the mortgage pay out, which was important it had come from my retirement savings account. Im not getting a mortgage so Im not getting that to put back and in fact they don't even want to reply to my emails asking for the {$610.00} to be refunded to me. Im not mortgage specialist, in fact I know so little and am told there is no one that knows all they should. Apparently XXXX XXXX just learned something, they don't mortgage MF homes. I don't think I should have to pay for his mistake, I cant afford to. I cant apply for another mortgage because other mortgage companies want to choose the appraiser That would be spending {$120000.00} just to have appraisal done making the expense of refinancing not affordable enough to bother refinancing after closing costs are added in. Please tell me is there anyway to get a refund of the appraisal fee? Thank you for your time : XXXX XXXX
Tablott adams and moore collection agency is reporting an account I have in collections twice on my credit report. I contacted them trying to have XXXX of the accounts removed, considering it is the same account. The representative proceeded to tell me the only way they would remove XXXX is if I paid {$120.00}, even though the balance on credit report is {$95.00}, and that they could not do anything without payment. contact phone number I called was XXXX.