WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX, violation to ( Missouri Revised Statutes Chapter XXXX and Chapter XXXX ) Illegal foreclosure under Missouri State foreclosure laws and procedures. 
May this written grievance serve as a demand for immediate action within Ocwen, in regards to an illegal attempt at foreclosure sale of the property of homeowner XXXX XXXX XXXX.It is a fact that XXXX XXXX XXXX ( XXXX ), has failed to perform the following actions under the non-judicial Power of Sale Notice and Requirements under Missouri State foreclosure laws and procedures. These violations are consistent with no publications indicating an auction sale date, time, location or the property in any of the local papers for XXXX, MO. The XXXX local newspaper publications ' would be " XXXX '' and " XXXX XXXX ''. The auction date time location and property description publications, are required to be run for 20 days leading up to the date of sale. Secondly, there has been no certified nor registered mail to XXXX in regards to a pending sale date on his property. The 20 day publication notice of sale is supposed to be also time lined ,20 days from the date of proof of service of notice of sale ; which XXXX never received. Furthermore, this property is still pending a litigation matter with and active case number of XXXX XXXX XXXX. Your client Ocwen Loan Servicing is also still party to the mention lawsuit as well. We are seeking an immediate halt to the sale date pending for XXXX XXXX, 2016. Otherwise a civil suit will be filed in Missouri XXXX court regarding this matter with request for punitive damages. Additionally, the notice of sale attached was received via regular mail on XXXX XXXX, 2016, which is in violation and has given XXXX less than 15 days to prepare for his defense and is in violation to his legal due process.
My PayPal account was compromised by someone in XXXX ( I have an email from PayPal in XXXX indicating the addition of a bank account ), who transferred {$480.00} to an account in their control. 

When reported to PayPal as fraud, they issued a refund of the {$480.00} fraudulent charge. 

They later rescinded the refund, and are now trying to collect the sum, and are preventing me from using their service until I re-pay the amount I was defrauded.
I have multiple loans, both private and federal, and I have  XXXX  agreement with  XXXX   XXXX   XXXX  of  XXXX  dollars monthly, this is not the orignal loan provider they bought the debt, I have been paying for 2 + years on time and I just recently found out that I am only paying  XXXX  dollars monthly to my principle balance and the rest goes to intrest. This is robbery!! I am an   XXXX   and if I was current with all of my loans I would not be able to feed my family,! I need help. I was also scammed by a student forgiveness program called  XXXX   XXXX  for thousands of dollars and I am in the process of trying to get that back. The college I attended has been shut down and is no longer in business. Please help.
Capital one is displaying a credit card on my credit report for over {$1800.00} this account does not belong to me.
Our mortgage was sold to Freedom mortgage soon after we closed. As soon as they got over, all XXXX broke loose : 1. We were told as soon as the mortgage balance dropped below 80 % of original loan, we were going to be able to recast the loan and get rid of the escrow. We called several times. Every time we called, the person at the end of the line was telling us a different story. We have several names of people that we called and we can produce evidence/records of these calls. 
- we sent our request in writing for the above things to happen - we sent the payment in, plus the recast fee ( they actually double charged the recast fee ) - Our loan balance reached below 80 % on XX/XX/XXXX. However, they did not recast our loan until XX/XX/XXXX after calling numerous times. 
- We were told the PMI was going to be removed when the loan ratio dropped below 80 %. Even the end of year documents received show that should have happened AUTOMATICALLY under the Homeowners Protection Act of XX/XX/XXXX, but although the loan ratio is now ~36 % we are still paying escrow and PMI. 
- they paid our property taxes twice, first in amount of {$3000.00} ( which is correct based on the paperwork received from the county ) and another time in amount of {$3100.00}, which there is no evidence of what this amount is. The end of the year document lists this as " XXXX '', however the amount for school was already included in the {$3000.00}. 
We are at the end of our rope. We do n't want to call anymore only to be told that things are going to happen soon ... .but they never will ... Please help
XXXX XXXX XXXX has been increasing my collecting debt every month for the past 4 months since I call them to settle the debt amount to pay and they instead of working with me are continnuesly increasing the amount
I have requested a recast of my fixed rate conventional mortgage loan. The investor is NOT XXXX XXXX or XXXX. It is my understanding it has been sold to a private investor and serviced by Ocwen. I have been told my loan does not qualify for a recast but they refuse to tell me if this is an internal guideline or a regulatory requirement. I have not requested an extension of the term, only that the loan be recalculated on the new lower balance in order to lower my payment. If there is a regulatory ruling that prohibits the servicer from honoring my request please direct me to the publication I may review so I can better understand their position. The only thing that would change on the loan is a lower principle balance and the newly calculated payment amount. These funds are coming from a probate settlement from my deceased Aunt. Thank you for your attention to this matter.
The above noted loan continues to show on my personal credit report as an outstanding loan. The loan was paid off when the property was sold. Payoff date was XX/XX/XXXX. This is impacting my credit score and loan to debt ration, as the $ 593 monthly payment and $ XXXX balance is still showing as an obligation on the property associated with this loan. The property address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I provided copies of my credit report to XXXX XXXX XXXX per their request when I contacted them again on XX/XX/XXXX. I originally called on/around XX/XX/XXXX to contest this with XXXX XXXX XXXX escalation department and was assured it would be removed from my credit report. As of XX/XX/XXXX that had still not happened. I was also told a letter would be sent to my address of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX stating this loan was paid in full. I have yet to receive any acknowledgment. 
I am very frustrated by the lack of action on XXXX XXXX XXXX.
Was contact by collection agency debt was going to collections, I called XXXX on XXXX XXXX, 2016 and paid debt in full. She stated she would notify the collection agency. Did clear the bank without any problems. Noticed on XXXX XXXX, 2016 collection agency had posted negatively on my credit report. Called agency to notify them that the bill had been paid. Response was " too bad, it 's on your credit for 7 years ''. The gentleman on the phone was verbally hateful and stated I had to give them {$600.00}. Asked them to call and verify with original company that debt was paid in full or to give me a fax number as I did not have paperwork with me. Originally, he asked me to fax verification but then refused to give name or fax number. Have placed called to original company.
I have file numerous compliant about this company trying to collect a debt that not owned to them or XXXX.I had cancel XXXX back in XX/XX/2012 the by fill out there form and submit by email and fax.I later received a letter from perfection collection claiming that they brought the debt from vivint and I now own them. I ask them to show proof that I own them the debt.They send me a bill from XXXX. I explain to perfection collection if you have a signor document showing that I agree to pay you for service I don't owe you anything.they then report it on my credit report.I have send numerous letter to the bureaus and perfection collection to have this removed.
I would file an official complaint with Freedom Mortgage and the underwriter that handled the loan for my wife XXXX XXXX. The underwriter was sending last minute requests close to the end of each business day that involved my business and also my wife. 

We felt the requests were very repetitive and we had already provided the documentation to the underwriter for Freedom Mortgage through tax returns and bank statements. Only to have the information requested again delaying our closing and costing us more money in the long run.

We were asked at the last minute to provide a letter explaining why were downsizing our home when if fact the home is 200 square feet larger than our previous home. We asked several times what is all the information that Freedom Mortgage and the Underwriter needs in now. From our perspective the underwriter kept taking their time asking for requests several days over several weeks as to at the beginning of the process. 

Then I received a letter from XXXX XXXX the Sr. Vice President of Customer Service at Freedom Mortgage that did not address all of our concerns and issues with the underwriter and this unpleasant experience. I left her a voice message 5 days ago to address the concerns and issues not addressed in the letter sent to me without a response to date. 

I want to know if this is an ongoing practice by Freedom Mortgage and were we profiled for some reason resulting in a form of discrimination being as though we were putting close to 30 % down payment on the mortgage which is not the norm for owner occupied homes.
XX/XX/XXXX16- Chase Credit card unsolicited inquiry to my credit I want to delete this inquiry from my credit report. I didnt ask for credit in the company
I unlocked my credit files and obtained copies of my credit report from all three reporting agencies/bureaus and noticed that there is derogatory debt in the amount of {$770.00} reported by XXXX XXXX XXXX, supposedly collecting debt for XXXX XXXX, XXXX. I XXXX both and discovered that XXXX XXXX offer online pay day loans, which are ILLEGAL in the State of Georgia and are not offered here. My employer, XXXX XXXX XXXX XXXX XXXX had a major data breach in XX/XX/XXXX. They offered employees and family members credit protections for three years and my credit reports have been locked/frozen since then. This debt has an open date of XX/XX/XXXX, which shouldn't/could n't have occurred as my accounts were locked/frozen. XXXX also had a breach in XX/XX/XXXX but my credit files were already being monitored/locked/frozen. I have NEVER applied for a loan in Georgia or in any state or gone online or into any brick and mortar office to apply for a loan with these creditors. I have NEVER received any correspondence from either creditor and this debt is not valid as it was supposedly incurred during the time when all three of my credit reports were locked/frozen.
Dear CFPB, I 've contacted you on numerous occasions concerning XXXX, my ex-husband interfering with a claim he has no right to. XXXX XXXX XXXX XXXX, and now most recently known as XXXX XXXX XXXX Who by the way receivived payment for a fraudulent MERS # XXXX was paid to Kyanite on XX/XX/XXXX after Metlife home Loans had been Paid XXXX XXXX but you do n't want to hear that they 're crooks. 
how many time does a null and void have to be paid? 

wwhy does n't somebody do some real investigating over there, rather then just ask a deceitful unlawful company. ( probably a XXXX corporation for all we know. Ill tell the hacking on my pc is surely sofisicated., But we wont go there now.mAllow mke to just tell you the facts .... 
Yes. 1. Metlife was paid off for underwriting errors and omission 's XXXX -- XXXX for XXXX for loan # XXXX. XXXX was paid by Mers ( XXXX ) on XXXX for loan # XXXX XXXX XXXX XXXX and Metlife Home Loans all agree that a MERS # was not on this loan. Please call and verify this ... XXXX ( Kyanite ) was Paid for this unregistered MERS #. XXXX. 
3. XXXX know I had contacted them clearly up to the sale date as to where they were getting back to me. 
XXXX Canceled my homeowners insurance with XXXX just XXXX day after they received their payment XX/XX/XXXX. Not even a month into my said redemption period. 
Redemption period ..hell they deemed my house as abandoned 4 days after the XXXX sale. yes XX/XX/XXXX XXXX sent an acquisition of abandonment to the IRS stating that my home had been abandoned. 
So XXXX was probably paid by their securing entity because they do not use the MERS system as an insuring instrument. 
Metlife put in for their claim because they had realized that XXXX Of XXXX Mortgage had done her own underwriting charging us and telling us that XXXX would be do it. 
XXXX XXXX XXXX and owner of XXXX mortgage .absconded with the XXXX from what her title work read. why would the title work of loan amount of XXXX only insure it for XXXX idk.. 
Bottom Line ... this Loan is paid for and probably more then once..Let me know if you 'd like the supporting docs. you have many of them them btw the Note has XXXX dates XXXX & XXXX. JMC charged us XXXX for underwriting ... and she did it. 
From the results that I 've received in the past your workers are not through enough to receive results, that can help me find relief. I guess I 'll just have to seek the newpaper if I want to see some possible results. 
By my quirerey ... did n't you find it odd that XXXX said that they would have to get permission from the consumer ... .I thought I was the consumer.. or are my findings correct. they have already sold my house..Way back in XX/XX/XXXX ... 

Sincerely Disappointedthat you allow our Government to repeatedly pay for phantom ..mortgages, just because you will not take the time to truly research my concerns and complaints. 
XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
THIS COLLECTOR CALLS AT ALL HOURS AND HAS NOW SENT COLLECTION NOTICES TO MY HOME. THIS DEBT SHOULD NOT BE COLLECTED ON AS IT IS WELL PAST THE STATUE OF LIMITATIONS FOR COLLECTION
ATTN : CFPB THIS IS NOT A DUPLICATE COMPLAINT, I AM SIMPLY RESPONDING BACK TO TRANSUNION IN REGARDS TO MY DISPUTES. PLEASE FORWARD THIS COMPLAINT TO THEM ON MY BEHALF. THANK YOU. 

I am very distressed that Transunion has included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 

AS YOU TRANSUNION ARE ALSO IN FACT NO DOUBT AWARE THAT YOU ARE KNOWLY IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT, BY CONTINUING TO REPORT THESE ALLEGED ACCOUNTS INFORMATION AS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF THAT THEY ARE. THIS IS A CLEAR CASE OF INVALIDATE DEBT HERE AND I AM NOW DEMANDING THAT TRANSUNION PROVIDED ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH THESE ALLEGED CREDITOR 'S HAVE PROVIDED TO YOU ON MY BEHALF THAT WOULD SHOW THAT THESE ALLEGED INVALIDATE, INACCURATE, DISPUTED ACCOUNTS INFORMATION IS ACCURATE! AS I WOULD PERFER NOT TO LITIGATE I WILL FILE MY LAWSUIT AGAINST TRANSUNION FOR KNOWLY AND DIRECTLY VIOLATING THE LAWS. 

THE FOLLOWING INVALIDATE INFORMATION SHOULD NOT BE BEING ILLEGALLY DISPLAYED ON MY TRANSUNION CREDIT REPORT! I HAVE REQUEST THAT THESE ALLEGED CREDITOR 'S VALIDATE THESE ALLEGED ACCOUNTS INFORMATION WITH ME! AND THEY HAVE LEGALLY FAILED TO VALIDATE THESE ACCOUNTS INFORMATION WITH ME IN THE TIME FRAME ALLOWED TO THEM BY LAW! AS THEY ARE ALSO IN FACT NO DOUBT AWARE THAT THEY ARE ALSO IN DIRECT VIOLATION OF THE LAWS BY CONTINUING TO REPORT THESE ACCOUNTS AS ACCUARTE WHEN IN FACT THEY HAVE PROVIDED NO PROOF! 

THE FOLLOWING INVALIDATE ACCOUNTS SHOULD NO LONGER BE ASSOCIATED WITH MY TRANSUNION CREDIT REPORT : XXXX XXXX XXXX # XXXX XXXX # XXXX I HAVE DISPUTED THESE ALLEGED ACCOUNTS, WITH TRANSUNION AND YOU ARE VIOLATING THE LAWS BE CONTINUING TO REPORT THESE INVALIDATED ACCOUNTS ON MY PERSONAL CREDIT REPORT!
I took out a mortgage with XXXX Bank XX/XX/XXXX. In XX/XX/XXXX I started calling the bank asking for help. They told me they could n't help because I was not behind on my payments. I kept hearing things on the news that there was help for people who 's homes lost value in the crash. I call my lender back several times and was told the same thing we cant help you unless you stop making your payments. So in XX/XX/XXXX I stopped making the payment on my home and was told I could do a loan modification were I submitted everything they ask for. They told me someone would get back to me. Months went by and I herd nothing back from them so I called to see what was going on. I was told they needed more info which I provided for them yet once again nothing from them and then in XX/XX/XXXX they started a foreclosure and on XX/XX/XXXX I filed a Bankruptcy and let the Trustee know of the Bankruptcy however they sold my home on the steps that Morning for XXXX. They Later returned the money to the buyer XXXX. The bank never contacted me after that for years and then they called wanting to know if I would like to do a loan modification again. I once again started the process with no luck I had not filed my taxes for a couple of years and had no proof of income. The bank has now started the foreclosure again and is set for XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX and now that the bank is finally doing what they should have done years ago I 'm going to have to start the clock over to buy a home. This is going to cause me great damages not to mention I have been told that they have passes the statute of limitation of 6 years. They have tried to cover this up by changing the last Payment date to in the current Foreclosure to XX/XX/XXXX. This is not accurate and once again the big bank is taking advantage of the consumer/ Homeowner. I have called the Trustee and informed them of this they said they would look into it and get back to me. They never get back to me and the sale is still scheduled for XX/XX/XXXX. I do n't know what to do at this point but this is not fair they should have taken care of this years ago and now there cheating the system by changing dates and causing me long term damages. My loan was supposedly sold to Wellsfargo that who started Loan modification but it still shows XXXX bank in Notice of default very confused who is my lender. Please look at this and get back to me ASAP so I know if I have any options. 

Thanks XXXX
There was more than repeated calling taking place in my situation. I work over night so I sleep during the day and I keep my phone in 'do not disturb ' mode so that my phone wo n't ring unless it is an emergency. Consecutive calls will override the silencing function and cause any repeat calls from the same caller to ring out. In stead of leaving a message in my voice mail, National Credit Systems would place consecutive calls to me so that my phone would ring and wake me up. They would call me from varying numbers with a XXXX area code. I did n't recognize the number and I was trying to sleep so I did not answer their calls until XX/XX/XXXX when they had finally called me during a time when I was awake. I spoke with XXXX XXXX on that day and she told me she had calls and spoken with me on XX/XX/XXXX around XXXX XXXX and that, on that date, I told her I would pay the debt I allegedly owed them on XX/XX/XXXX. She told me that the debt I owed was an unpaid balance from an apartment I had rented with two other people back in XX/XX/XXXX. I told her I had no knowledge of the debt and that when I vacated the apartment in XX/XX/XXXX my balance was paid in full. XXXX XXXX then became angry and essentially accused me of lying about not knowing about the debt because she had a note on the account that she herself spoke with me on XX/XX/XXXX around XXXX at my phone number. She began to threaten to mark the account as a refusal to pay if I did n't give her payment information at that very moment. I told her again I had no knowledge of the debt and that I had no knowledge of the debt but that only caused her to become more angry. To calm her, I told her I would contact my ex roommates for her and have them call her since she had claimed to have been unsuccessful in her attempts contacting them herself. She agreed to hold off on marking the account as a refusal to pay while i attempted to contact my ex roommates. My one roommate posted a payment a little later in the day after speaking with XXXX XXXX and her supervisor, a male whose name I do not know. Before that roommate contacted XXXX XXXX on XX/XX/XXXX I checked my phone records for the day she claims to have spoken with me and I found that there was a call received by my phone on XX/XX/XXXX at XXXX but the call was not answered. I had called her back requesting to hear the recording she claimed to have of the conversation with me on that day but she refused to let me listen to it without a subpoena. I terminated the call, contacted the roommate and informed him about what had just taken place, then I immediately contacted a law firm that specializes in these matters. I could only get a receptionist and I am currently waiting for one of the attorneys to return the message I left with the receptionist. In addition to the above offenses, I never received any written notification of any funds owed and am still unsure exactly what they were claiming I was liable for.
This was the subject of a prior complaint which was responded to and for which company did not do what it said it would do in effectively removing collection from credit report. I called the CFPB with feedback about the company 's non-compliance and the representative said to go ahead and file yet another complaint against MBB. 
Rather then recount facts, see below and please consider as a resubmission for same : XXXX CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Debt collection ISSUE Took or threatened to take negative or legal action YOUR COMPLAINT Medical Business Bureau, XXXX, a third-party debt collector purchased an erroneous balance from XXXX XXXX XXXX in XXXX of {$360.00}. The health care provider was paid in full by insurance for a diagnostic test ordered same-day STAT by my treating physician. Any overage claimed as out of network but should not have been charged at all. The debt collector refused to settle the claim for less than {$290.00} and has continued to report a delinquent account to credit bureaus, causing negative impact to my overall score. They have also refused to divulge the registered agent for service of process for legal action regarding violation of 809 et seq. of the Fair Debt Collection Practices Act. 
STATUS Sent to company on XX/XX/XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We have requested that the account be deleted from the consumer 's credit file and are checking with XXXX XXXX XXXX regarding the payment. Medical Business Bureau has not purchased the account.
I spoke Equifax about an dispute I have with an account. I sent information that proves tn sate law validates my dispute ( landl ord tennat act ) .I asked Equifax to prov ide me with details as to how the company carried out a reasonable investigation as per FC RA sect611. I ex plained the law required the reporting agency to do a reasonable investigation at my request. Equifax explained they have no regard for the law. I was told the company does not investigate but sends the dispute to the credit collection company to verify. I explained that this is a violation of sec 611. Equifax, was very negligent and has not regard  for Federal Law.