WillisBack/dataset-financial-user-claim huggingface dataset:
I am an attorney. I represent homeowners in foreclosure. I normally advise my client to submit legitimate complaints here, and I think my client has in this matter, but this case is so gut wrenching and the consequences so dire, that I want to make sure it gets the full attention of the CFPB. Bottom line, my clients have lost their homestead property AND NEARLY {$300000.00} IN EQUITY because of a gross and well documented case of dual tracking. My client has very good and very detailed records of correspondence from JPMorgan who confirmed they had a completed application in. My client next confirms that while she knew a foreclosure sale was set, JPMorgan advised that it would be cancelled. My client confirmed with the attorney for JPMorgan that they were cancelling the sale. I personally spoke with the attorney for JPMorgan chase who confirms that they moved to cancel the sale. The problem is, the court refused to cancel the sale and now their home has been sold to a XXXX party at an auction. I am trying everything I can procedural to undo this sale, but our options are limited. This case illustrates a serious problem in lack of enforcement of CFPB protections. I urge you to read the Order issued by the judge in this case and I especially urge CFPB to pay particular attention to the well-documented facts that judges in circuit courts are refusing to recognize CFPB protections. This case represents very harsh consequences of this refusal and I implore you to intervene in this case and use this case for larger enforcement purposes.
I had a fraudulent charge on my account and First Tennessee cancelled my card and reissued me a new card. When they did this, they cleared all of my electronic account statements so that I no longer could see my old charges. When I asked about obtaining the statements ( that I never received in paper I do n't think, as they were only provided to me via the site ) that told me I needed to pay {$7.00} per statement. I explained that I still have a credit card account with them and explained why that card had been closed. They advised it made no difference and that I needed to pay the $ XXXX. This does not seem fair, to close an account because of fraudulent charges and then tell me I no longer can access my old statements without paying {$7.00} for each month I need to see.
Chase bank allowed transactions on my behalf that I did not authorize, there is a current fraud case being opened on my behalf. I have tried contacting them and trying to prove my case on several checks and bill payments that I did not make.
The Collector ( XXXX XXXX XXXX ) from the lender Western Skies has sent a company called XXXX XXXX to serve me papers at my place of employment. I work for a government entity and they have called my employer several times because my supervisor has taken the messages and warned me of them calling the control room where I work.
On XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX secured a mortgage with XXXX Mortgage ; paragraph ( C ) lists " XXXX '' as acting solely as nominee. Paragraph ( D ) lists the lender as XXXX XXXX Mortgage Company only. 

On XXXX XXXX XXXX the bankruptcy court for case # XXXX, XXXX XXXX Mortgage Company, terminated any and all contracts made with XXXX This order would have terminated the relationship between XXXX XXXX Mortgage and XXXX acting as nominee. This order was final and dated XXXX XXXX XXXX. 

On XXXX XXXX XXXX XXXX XXXX, acting as assistant Secretary for XXXX and also as legal counsel for the foreclosing attorney filed a mortgage assignment transferring the mortgage from XXXX to XXXX XXXX Bank, NA, as Trustee for the sum of {$1.00}. Note paragraph XXXX of the filing outlines XXXX XXXX Mortgage Company as the Lender with XXXX acting solely as " nominee ''. The contract that would have allowed XXXX to continue to act on behalf of XXXX MORTAGE was terminated by a federal judge on XXXX XXXX XXXX. In additional to the assignment filing the first page of the assignment list the previous owner, XXXX XXXX, XXXX, as mortgagee and a deed that was also filed on XXXX/XXXX/XXXX lists XXXX XXXX XXXX and XXXX XXXX as legal owners of the property? 

On XXXX XXXX XXXX XXXX XXXX filed a petition for mortgage foreclosure on our property located at XXXX XXXX XXXX XXXX, PA XXXX. A Sherriff 's sale is scheduled for XXXX XXXX XXXX. 

On XXXX XXXX XXXX I applied for a mortgage modification with XXXX XXXX XXXX both via email and fax, please see attached documentation. I then sent a follow-up email on XXXX XXXX XXXX with the attached application and I have yet to receive a response. I have contacted XXXX and left several messages, none have been returned. As you are aware I applied for the mortgage modification within the allotted time outlined in the Dodd Frank Act. I applied for the mortgage modification more than 37 days from the foreclosure date as outlined in the Act. I am legally entitled to consideration as well as an appeal process and a list of alternatives that may be available to me. My foreclosure is still scheduled for XXXX XXXX XXXX and I have not been offered any alternatives nor has my application for assistance been processed. 

XXXX along with XXXX continued to act as nominee for XXXX Mortgage after the court termination of their contract. They fraudulently transferred mortgages to numerous lenders in an attempt to confuse the courts and then initiated foreclosure proceeding under their office. This action would have resulted in thousands of homeowners losing their homes due to the fraudulent actions of both the law office and XXXX 
In good faith I have been attempting to apply for a mortgage modification with XXXX. I have been denied on the basis that I do not own the said property. I have provided both XXXX and the law office with court recorded documentation listing me on the deed, note and mortgage of said property on multiple occasions. This is a clear violation of the Dodd Frank Act. Both XXXX and XXXX continue to act in bad faith and should be held accountable under the law.
I was informed that a fraud alert was placed on my credit file from this credit reporting agency. I did not request a fraud alert be placed on my file nor was I notified of this action
XXXX XXXX XXXX, has contacted me without my consent, and also obtained my personal information with out my consent.
I received a call at a phone number ( XXXX ) that is new to me. I 've had this phone number for less than one month. As soon as I received this phone number it was placed on the 'do not call ' list. On XXXX XXXX, XXXX at around XXXX XXXX I received a call from XXXX. A message was left not indicating who they were attempting to contact. The message indicated it was from Argon Agency that was attempting to collect a debt ( again not indicating who they wanted to contact, just that wanted money ) and to call back at XXXX and reference file # XXXX. 
There are no debtors at our number. There in no legitimate business reason for this number to call us. Please enforce the 'do not call ' list. Legitimate companies would identify who they are attempting to contact. If this is a 'shake-down ' from anyone who answers the phone ( not a specific person regarding a specific debt ) please refer to appropriate law enforcement agencies for criminal investigation.
In the last several years Navient has had issues keeping the details and the payments straight for my personal and federal student loans. They have given me advice that has resulted in the loan balances growing versus dropping. the private loans are now almost 25000 over the original amount borrowed. I have signed up for their rate reduction program and have had the payment automatically deducted for the last 3 years. In that time I have received numerous calls informing me that the payments are late, that the payments have not been made or applied even though they have deducted the money from my bank account. There have been many times it has taken me over 10 hours on the phone with their customer service representatives, only to be passed from one person to another, and in the end they say they have fixed it and then I receive another call a couple days later about the same issue. I have not been able to access my online account information for several years, and when I call to try to resolve this issue they tell me that the information I give them is incorrect. At one point they told me that my birthdate was not the same as what they had on file. The DOB that they had on file would have made me 16 years old. The few times that I have been able to access their online account information it shows the payments received for my federal loans but none of the details, and it shows the details of my private loans but none of the payments that have been received. I am only the cosigner on these private loans, but I am the one making the payments. The customer service representatives are vary difficult to work with when they see this fact. I did contact an ombudsman with Navient to attempt to resolve some of these issues and she talked to me once and appeared not to be surprised by the issues I was having. Yet it hasn't changed the way things are handled. The primary borrower filed bankruptcy and that created a whole set of new issues regarding these loans, and although the company still continued to receive my payments during that time I got numerous calls that informed me that the payments were not being made. I am overly certain that the payments are not being applied in an appropriate manner and it would take a financial genius to navigate Navients system to be able to prove that they are doing so. At this point they have me stuck in a payment system that will require 95 years of payments to pay off these loans.
sent debt validation letter certified with return card to company recieved on X/XX/17 no respone after 30-45 days showing proof to be licensed in the state of florida to collect debt or proof of me having a binding contract with company XXXX XXXX XXXX for the amount of {$560.00}
I have been disputing incorrect information for months now. I have information previously saved where inquiries were not on my report when I logged in last and now it 's showing as a hard hit more than once. They 're also reporting wage earner accounts as past due and late, as well as stating it 's a open account. XXXX inquiries fell off my credit report and my credit has gone down. I have pictures and recordings and Transunion and XXXX basically puts what they want on your credit. I have sent them information in a few times and still no results. The attachment that is shown below verifies I have no past due accounts and now my credit report says that an old account is past due.
Ther are XXXX debts and almost all of them I do n't recognize. I need them off my credit score.
I have a loan with CitiMortgage, and for 18 months it was being paid by XXXX because I am in a hardship situation. So when that ran out, I applied to Citi for help and they said they would try to modify the mortgage. Well months later they agreed to a modification on a four month trial basis, and if all went well, it would become permanent. I learned that my loan was serviced by Fannie Mae, and my Citi contact helped me set up the payments for the 4 months to be deducted from my checking acount automatically. The XXXX one went well, and then I learned that my mortgage was transferred to XXXX XXXX XXXX, and tons of paperwork with it, of course. I was told the XXXX payment should be sent to XXXX XXXX and I advised, or tried to, both XXXX and XXXX XXXX that it was to come out automatically on the XXXX of the month prior to the XXXX when it was due. Well now I was told Citi was no longer handling the loan at all, and I would have to talk to XXXX XXXX, however, XXXX XXXX told me that it had not yet been transferred completely so they did n't have all the info. After many calls, I finally got a XXXX manager, and he told me to send in my XXXX XXXX payment, which I did. The interestiang thing that happened was when I check my bank account XXXX XXXX, looking for XXXX 's automatic entry, it had disappeared. They were not listed as one of my debtors at all and even if it 's a single payment they should be so I could not verify the information that was set up. The XXXX payment due XXXX XXXX was taken out on XXXX XXXX and that was it. So in talkng to XXXX they say they ca n't talk to me cause they no longer have the loan, and XXXX tells me that it is not yet transferred completely. Where is it, in the clouds with all the other wireless stuff? XXXX Housing Agency is helping me now, they have in the past and they suggested I contact you. Thank you for being there. I am a XXXX trying to maintain my home to the best of my ability.
PayPal Debit card denies transactions on a regular basis in spite of there being a large balance in the account. These issues may only be resolved via telephone service where it is impossible to to reach a representative without a wait of 1 hour or more ( most mondays NOT AT ALL ). This substandard business practice is a disservice to Patrons and PayPal Debit Card employees alike.
Only XXXX XXXX, 2015, I ordered furniture through Macy 's that was special order which came with a fee of {$480.00}. Then on XXXX XXXX, 2015, I cancelled the ordered and went with the furniture that was n't special order. I was told by the company that I will receive a full refund of {$480.00} within 3 business days. I have called several times and spoke to my sales person and several supervisors at the Macy 's credit department and still I have n't received a credit on my account. Many of the supervisor indicate that they will call me back but do n't. They are n't answering my calls when I call them. I have sent XXXX emails, I have called approximately XXXX times and spoken to XXXX supervisors and each XXXX state it will be credited on my account within 3 days and nothing has been done.
Please view case # XXXX from the CFPB database and you will see I have attempted to get this debt " validated '' and not " verified ''. However, NO supporting documents have been provided. Also, I have attached supporting letters to mailed to the Equifax on XX/XX/2016. Please provide supporting documents for this debt or delete off my credit profile. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX
My loan servicer was transferred effective XXXX XXXX from XXXX ( Sterns Lending ) to XXXX. I never received notice of this transfer ; I therefore logged on to the original servicers website on XXXX XXXX and made a payment. I received an e-mail confirmation of acceptance for that payment. On XXXX XXXX, 2016 when the money had not been debited from my checking account I called to follow-up. It was at this point that I was made aware that my loan servicing was transferred as I never received the paperwork in the mail. There was NOTHING on the website notifying me of the loan transfer and I was allowed to submit a payment on XXXX XXXX, 2016, the date of the transfer. The individual I spoke to said that they would transfer my payment to the new servicer within 10 days. At this point I call the new loan servicer, XXXX, and via automated message on XXXX XXXX am notified that they do not have my loan information. I waited for more than 10 days and still no payment debited from my checking account. Additionally, the new loan service had called twice asking me why I had not made my payment for XXXX. On XXXX XXXX I again call the original mortgage servicer. On this call I am told that no, they will not be debiting my checking account for the payment even though I received a payment confirmation. Per the CFPB, the servicer should either transfer the payment to the transferee servicer for application to a borrower 's mortgage loan account, or return the payment to the person that made the payment and notify such person of the proper recipient of the payment. In my opinion neither of these actions occurred as the original servicer never once notified me that my payment was in fact not accepted ( although I received an electronic confirmation of acceptance ) and thus due to the non-acceptance needed to make my payment to the new company. Only though my own continued calling was the correct information eventually provided.
My home was foreclosed upon  XX/XX/  2012. Since that time, I have tried unsuccessfully to get the account to refl ect properly at a  XXXX  balance to no avail. Arizona is a non-deficiency/non-recourse state. Chase Mortgage continues to show a balance of  XXXX  and a past due amount of  XXXX . I have requested repeatedly for the balance to be removed and Chase has refused saying the balance owing at the time of default will continue to sh ow for seven years.  It has been pointed out to them on multiple occasions that Arizona is a non-recourse state. They say since they have quit trying to collect the balance, they are within their right to continue to report the amount owed at the time of the foreclosure. My mortgage company,   XXXX   XXXX  , has also tried to assist me in getting it removed so I can proceed with a new loan to no avail. Currently, this is preventing me from getting a home loan.
XX/XX/XXXX - - letter to XXXX XXXX XXXX, CEO of Citizens Bank regarding offer of CD at 1.75 % and/or 1.50 % ... attempted to open CD as per the print advertising, but could not. ... ... <P/>XX/XX/XXXX - - spoke with a XXXX XXXX of Citizens Bank at XXXX XXXX who informed me that he would research the matter ... .The matter is that the offer as presented fails to mention that the customer needs to have {$25000.00}. on deposit with Citizens to get the premium CD yield ... <P/><P/>XX/XX/XXXX -- wrote another letter to CEO XXXX XXXX pointing out the incompetence of his XXXX XXXX in resolving the situation ... <P/><P/>XX/XX/XXXX -- a third letter to CEO XXXX stating that XXXX XXXX had offered me a CD at 1.25 %, but failed to relay that information to the branch ( XXXX ) staff where XXXX XXXX is the branch manager, and XXXX XXXX is also in a supervisory capacity .... <P/>XX/XX/XXXX -- I receive yet another advertising piece ( two in fact ) offering a CD, and again no mention of the absurd minimum to be maintained to avoid monthly charges.
A curt email was also sent to the CEO and the two local officials about the new marketing post cards .... <P/>THIS IS SIMPLY A BAIT AND SWITCH situation wherein the public is the victim
I had two Discover credit cards XXXX and XXXX. About 15 years ago they started charging me for items that I did not buy. I would call them they would clime it was a computer error. The charges were taken off the one card ONLY to be placed on the other card! I would call them now it was hackers. The charges were finely taken off BUT not the over draft and late fees and the charges rate went up! I quite use both cards.
Next the started transferring money from one card to the other, charging me transfer fees, late fees, over draft fees ...! When I complain about this they would tell me pay or we take you to court.
I 've disputed child support enforcement account #   XXXX   going on 5 times before, I 've provide full official documentation from my county clerks office, the official account history keeper, showing every payment I 've made since  XX/XX/XXXX - XX/XX/XXXX  without missing a single payment since the day I was ordered to begin paying child support,   XXXX   and  XXXX , have fixed the account listed above accordingly and in my favor since I have proof, experian seems to not care about my proof and has failed to fix this issue. There response is always we are working on it or the documentation you 've provided is not sufficient, how ca n't it not be sufficient when it comes straight from the  XXXX  county Clerks Office. Please help, I 've attached complete 7 year history of payments from day 1 till now, plus a separate month statement  XX/XX/XXXX  to be exact, according to experian I failed to pay on that month, and lastly a couple transcripts from web chats with child support agents, where I clearly state my case with them about this error and they acknowledge no delinquencies on my account. Thanks
This loan was initiated with a bank in XX/XX/XXXX, which then sold the loan to XXXX, which then sold the loan to XXXX XXXX XXXX, which then sold it to Green Tree Servicing LLC. This last transfer happened in the first fall-out of the mortgage-lending crunch/bad debts/people losing homes, etc. -- before all of the programs to help owners keep their homes. When I realized I could no longer keep the house, I tried to place it with rental management companies ( in XX/XX/XXXX ), but no possibilities there. I then tried through Green Tree Servicing LLC to have them take the house/loan back, but was told that since I had moved out of the house and out of the state and gone where rent was less expensive, that it was now 'rental ' property and did n't qualify for them to take the property over. I contacted a realtor that specialized in 'short sales ', but Green Tree Servicing LLC would not deal with this realtor, but instead sent the house for Sheriff Sale. The house originally was purchased by me for {$250000.00} in XX/XX/XXXX. After 4 years of my paying approximately $ 2,000/month, Green Tree Servicing LLC sold the house to itself for {$200000.00}. So, I lost the house, lost my credit standing, have been scrambling ever since to live, support my children and have them grow without the sword of Damocles forever overhead. In checking with one of the credit bureaus, I see Green Tree Servicing LLC making periodic, new adverse reports against me as if I keep defaulting on a debt. Is this even legal/legitimate?
I paid off a Wells Fargo retail account back in XX/XX/XXXX. My wife did not realize I paid it off and sent in 2 payments totaling {$1500.00}. ( XX/XX/XXXX and XX/XX/XXXXpayments ). I have since tried numerous times to get these monies refunded back to me. They originally said they would mail out a refund check ( in XX/XX/XXXX ) ; the first check never arrived. I called Wells ( XX/XX/XXXX ) and they said I would need to fill out a notarized affidavit and send it back in and they could reissue  the check. They explained the process could take an additional 25 days. I requested to speak with a manager since this was putting me into a financial hardship. The manager i spoke with agreed with me and explained I would NOT have to fill out an affidavit and a new check would be reissued. I did receive the affidavit in the mail a week later but no check. I was under the assumption from the manager I should be receiving a check so i waited a bit longer. Finally on XX/XX/XXXX I called Wells again and was told by another associate ( XXXX ) that the matter would be resolved and a check would be re-issued. She told me to wait a week or so and call back to verify that it was sent out. I called today on XX/XX/XXXX and again no check had been mailed out. I now spoke with another manager ( XXXX ) and he says there is no way of getting around the affidavit and they will send me another to fill out. My point is they will not allow me to go into a branch to do any of this and now I feel I am jumping through major hoops to try and get my money back. It has been about 60 days now I have been told numerous things from many reps in their retail division but am yet to receive my {$1500.00} back.
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
I did n't receive my XXXX bonus points after charging {$300000.00} in first three months, which I did. But no bonus after being lied to at least twice that I qualified. I am referring to the XXXX XXXX card. 

XXXX XXXX XXXXXXXXXXXX
The number XXXX continues to call me regularly. The first time I answered they said they were attempting to collect a debt when I asked them questions they disconnected. Ever since they call me no less than XXXX a day. I 've asked that they not call me. I 've attempted to call them back and never get an answer.