WillisBack/dataset-financial-user-claim huggingface dataset:
According to Colorado Revised Statute XXXX ( XXXX ), in the case of a foreclosure sale by the Public Trustee, a sale date can be no less than XXXX calendar days nor more than XXXX calendar days after the date of recording of the notice of election and demand, which is this case was recorded on XX/XX/XXXX. 

Also, according to Colorado Revised Statute XXXX ( XXXX ) Dual Tracking Prohibited Defendant received confirmation from servicer, M & T Bank XXXX during the first week of XX/XX/XXXX ( letter dated XX/XX/XXXX ) that a loss mitigation application had been received and that it was complete. In addition, during the same time period, M & T Bank stated in multiple phone conversations that foreclosure proceedings were suspended pending the " process of being reviewed to determine if you ( I ) qualify for assistance ''. The Public Trustee was NOT notified of such status so the foreclosure process was continuing in the " eyes '' of the Public Trustee, therefore Dual Tracking. 

Some time during the second week of XX/XX/XXXX the defendant was notified by M & T Bank that the application as submitted by defendant was not accepted, and that a new application could be submitted, which is currently in progress. The XX/XX/XXXX notification set in motion the foreclosure proceeding that was recorded on XX/XX/XXXX, setting at sale date of XX/XX/XXXX, which is only 57 days from the recording date of XX/XX/XXXX.
The Department of Social Services paid my XXXX XXXX XXXX XXXX when I was laid off. I have since moved and have been paying back the Dept. of Social Services for this. I received notice from Penn Credit collection agency in stating I owe XXXX XXXX. I sent them a certified signature required letter with copy of confirmation of Dept. of Social Services making payment and requested they remove from my credit report and to correct this information on their end. Rather than do that they again sent me only a request for payment, even though they signed the certified letter from me. I called and they started yelling I owe them money so I stated I was filing a complaint with CFPB
I retired from my job at the age XXXX where I had an HSA account. I was later contacted by Chase XXXX operations that I had to fill out a form to get my XXXX balance sent to me since I no longer worked at the company. Twice I called and twice I did not get the form, so I have yet to get my balance, approximately {$3000.00}. I am XXXX and on social security. I need these funds returned to me.
I recently wrote an email to Best Buy about harassing me concerning a payment for my account. I was making payments, but they continued to call me two to three times a day nonstop. Dealing with XXXX, this did not help me but only frustrated me more. Afterwards, I sent an email informing of filing a complaint and the calls ceased. However, they illegally took an unauthorized amount of {$80.00} out of my account. The payments were setup for {$27.00} and without my permission, Best Buy took the past due amount. This illegal action caused my bank account to be overdrawn. I will never buy anything from this company.
The debt was included in bankruptcy case # XXXX. 
Contacted original creditor about debt and it was settled however a new collection agency is now reporting the debt.
In XX/XX/2017, I was significantly affected by Hurricane Harvey. This tragedy left my family and me homeless for a month and a half and during the majority of the time, I had no access to a phone, Internet, or other communication sources. Additionally, I lost my job due to the hurricane and was unable to make payments on some of my credit card accounts. I was unable to reach out to companies as I didn't have the means to do so and, frankly, it was not a priority of mine. Knowing that I was affected by the hurricane, these companies still reported late payments on my account, which I feel to be disrespectful as I was going through a struggle. 

After I was able to move back home, I got a job and was able to start making payments on my accounts. In XX/XX/2017, I sent  goodwill letters to companies explaining my situation. The majority of them did not agree to remove the payments. I am not contacting you all to see if this issue can be resolved. 

I tried to get this issue resolved already by contacting the company directly and submitting a complaint to the CFPB directly. Both of those were unsatisfactory and I would like other entities to investigate this matter, if possible. I have documentation from a representative of XXXX stating that the late payment was refunded, therefore implying that the late payment is inaccurate and needs to be removed from my credit report immediately. Additionally, I contacted the company to be informed of their relief efforts of victims of Hurricane Harvey and was not given a direct answer. This is not proper customer service. 

Finally, their response of saying that they are unable to remove it is blatantly false and should be investigated. I have had other credit card companies able to remove the payments from the reports, so them saying they are unable to modify is incorrect. Please investigate this company and my matter to the deepest extent possible.
On 3 separate occasions Wells Fargo sent a 3rd party company to call on my tenants in my rental building advising them that the property was going into foreclosure. I have been advised by legal counsel that this is illegal activity and that Federal Law prevents a lender from such practices. Furthermore, this is absolutely not true - foreclosure proceedings have not begun on this property, confirmed by Wells Fargo. Wells Fargo is in XXXX position with this equity line. The first occasion was to my XXXX floor tenants XX/XX/XXXX, XX/XX/XXXX. The gentleman advised them that he was representing Wells Fargo and that this property was going into foreclosure. They took a picture of him. 

The second incident was to my XXXX floor tenants, XXXX XXXX, 2015 and they returned there again on XXXX XXXX, 2015. On XXXX XXXX the gentleman said, " I 'm not supposed to tell you this but you might want to know that your property is in foreclosure. ''
XXXX, XXXXXXXX XXXX XXXX has continued to pursue legal action against me in a state that I do not live in, despite notification of the move. Due to my inability to travel to represent myself, they were awarded a default judgement and continue to take action against me.
I am in a HAMP and just received my first escrow analysis in 4.5 years. It has raised my payment by {$330.00} a month. I feel that I should have been notified yearly to any shortages and allowed to stay current with a small increase and not hit with a huge increase all at once. I entered a HAMP so I could stay current on my home and feel I was lied to by the company not notifying me of the yearly increases which were not large, but after 4.5 years have added up to an unfair increase. Also, I feel they never put the proper amount into Escrow to start.
Good evening, On XX/XX/XXXX I received my credit report and became alarm at two collection activities on my credit reports. One of the collection activities was opened on XX/XX/XXXX in the amount of {$600.00}. The second collection activity was opened in XX/XX/XXXX in the amount of {$160.00}. I called to inquire about the debt and to find out who the original creditor is. I was told I had to identify myself by giving my ssn to the representative on the phone. I refuse to give my ssn and asked if I could speak to a manager as I wanted to ask questions about the alleged debt but the rep hung up on me. I have investigated and learned the collection company is Enhanced Recovery Corporation and are not license to collect in the state of Tennessee. I have written letters to stop further collection activities and phone calls but contacted today at XXXX XXXX. This company is practicing illegally in the stated of Tennessee.
On XXXX/XXXX/2015 I applied for the Barclay Platinum MasterCard credit card. It was a promotion to transfer a balance with 0 % interest for XXXX billing cycles. I requested a balance transfer of {$10000.00} from another credit card to the new Barclay MasterCard. 
I received the new card on XXXX/XXXX/2015 with a credit limit of {$1500.00}. Because it was not the credit limit I was hoping for I did n't activate the card and was thinking about closing the account. On XXXX/XXXX/2015 I received an email that a {$1000.00} payment posted to the credit card that I asked the {$10000.00} to be transferred to. I still had n't activated the new Barclay card yet and was going to cancel it. 
I called Barclay customer service and told them that the {$1000.00} was an unauthorized transfer and it happened without my knowledge or consent. They waived the {$30.00} transfer fee but told me that they could n't reverse the charges because it was already paid. I advised them that this was unauthorized transfer and that Barclay did it without authorizing it through me and did the transfer anyway and using an arbitrary amount of their own choosing and an amount other than what I agreed to on the application. 

I said that since it was in my mind an unauthorized transaction the responsibility of it falls on them to reverse this transaction and the burden to send them money is not on me. They said no, it could n't be done because it already was processed. I requested the new Barclay MarsterCard account to be closed. 
My point is that since my initial credit card balance was only {$1500.00}, which was way less than the {$10000.00} transfer amount that I requested that the transfer was not going to happen. Furthermore, I had not activated the card and was considering if I was going to keep it or not. 

It is my view that Barclay acted on their own performing transactions without me knowing about it not verifying with me if these were my wishes. If they would have contacted me and asked if I still wanted to transfer a balance since my initial credit line was way smaller than the transfer amount I requested it would have had a very different outcome. 

The Results I am requesting to resolve this complaint:XXXX ) Barclay to immediately reverse the {$1000.00} transfer with no cost to me whatsoever.
I had over many years used a third party program XXXX XXXX XXXX XXXX to pay my mortgage payments by deducting the payments once a month on the XXXX from my checking account in the amount of {$450.00} to pay my mortgage payments for early off. However, I got my XX/XX/XXXX mortgage statement reflecting that my XX/XX/2018 payment had not been received. I contacted XXXX XXXX on three occasion which is difficult to get through the phone system, I was verbally told that they experienced an computer gliche and that my payment for XX/XX/XXXX will be paid by the last week in XX/XX/XXXX and that any late fees will be made up by them and any negative action to the credit bureau regarding that will be corrected with correspondence drafted and submitted by their company. As to date I have not had my payment submitted from XXXX XXXX nor have I been contacted to have my monies refunded to me or late fees received or submitted to my mortgage lender. I would like my monies refunded as I had to make the additional payment unexpectedly and the late fees and I want a letter to my mortgage letter and the credit bureaus to correct the error that happen on behalf their company.
Called me at my work business number. Followed by calling my work distrubution of my SS # &  DOB  requesting confirmation of employment.
equifax refuses to remove student loan services ( XXXX, us department of education and XXXX ) from negitive accounts on my credit report. after numerious dispute attempts and supporive documentation provided that all of my student loans are in defferment. equifax has also refused to remove XXXX and XXXX XXXX from negitive accounts as requested and have placed all other accounts in closed accounts after providing chapter XXXX bankruptcy discharge documentation.
I noticed on my credit report that Telerecovery placed a medical debt on my credit report. I never received communication from them to try and dispute the validity of that. It was just placed on my report. I asked who the debt was from and they said XXXX XXXX. I told the agent that this could not be right as I have have health insurance. I stated that the amount could not be right. I pulled my credit once again and the company didn't even update the fact I was disputing the debt. I check the Lousiana Secretary of State to determine if this company is even registered in the state and they were not found. I want this account removed from my credit report
I moved out of my apartment and did a walk-through at the ending of XXXX XXXX, 2016. I never received a breakdown of the ending charges for the walkthrough however I was told it would be mailed to me. On XXXX XXXX I received a call from a collection agency called IQ International in regards to my previous Apartments. They told me that I owe {$470.00} was so I told them this was a mistake and I needed to call my previous Apartments. I called the apartment and they told me they made mistake on the bill and that they sent me a statement 2 weeks after I moved out ( XXXX XXXX ). XXXX XXXX XXXX managed by XXXX XXXX XXXX told me to wait a couple days before I call the agency which is not a collection agency. But the collection agency IQ International called me back ( the same day ) and told me if I do n't pay them in 10 days that I will pay 12 % of the balance each day and it will go on my credit report. So my lawyer sent a dispute of payment on XXXX/XXXX/16 & still have n't received a response. It just seems unethical that they did n't even give me 30 days to pay nor for the letter to even reach me. The collection agency responded to the Attorney General that they settled on XXXX/XXXX/16 ; however, my Attorney never received a response from them. And they reported it to the credit bureau.
Hi, Like many other posters on consumer affairs.com, I signed up for the one time credit report from Experian.com. I then got charged {$20.00} a month for the next 6 months and the same when I checked my husband 's credit. Granted, I should have cancelled and checked the fine print. However, I do n't recall seeing the {$20.00} a month when I signed up. I never received any email credit alerts and when I noticed the charge again on my credit card this month, I called the company. I explained that I understand the terms and did n't mean to sign up but I did. They can see that I did not use the service but would not bend on any refunds. What really sparked me to write the review and not just chalk it up to my failure to cancel or read small print is the robotic response I got. I called today XXXX/XXXX/2016 and the next month is for XXXX/XXXX/2016 and they would not even cancel that. I called 3 times and they repeated sorry it is nonrefundable like a robot. I expressed my anger and the fact that I would eat the {$240.00} which I have nothing to show for but they ca n't even bend on the last {$20.00} charge. They have no concern for customers at all. Most companies will bend a little. I would have been happy if they said yes, we will give you the {$20.00} back but sorry about the rest as it is non-refundable but there was no give at all. Only greedy greedy take. The worse part is I did n't receive anything for this money. Lucky, I can afford the loss, but I wonder how many other people get ripped off like this and a ca n't afford it. 
Please pass a law requiring more details in the fine print or monitor this greedy lack of customer focused company. Thanks.
Select Portfolio Services ( SPS ) is in violation of Forced Placed Insurance, lying and deceit. On XX/XX/XXXX, SPS stated, " Lenders Placed Insurance In your inquiry, you question SPS adding Lender Placed Insurance ( LPI ) to the account. SPS does not show that any LPI has been added to the account. '' However, in correspondence ( certified mail ) from SPS dated XX/XX/XXXX and received XX/XX/XXXX, SPS states, " This is your second and final notice that our records show that your hazard insurance expired and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property ... ... ... ... ... .. The insurance we buy : Will cost an estimated {$1100.00} annually, which may be significantly more expensive than insurance you can buy yourself. '' On numerous occasions I have explained to SPS they have no legal security interest in the property they now claim to be placing forced placed insurance on. The legal description in all notes and mortgages do not coincide with the property they are now fraudulently trying to place insurance on. SPS continues to conduct business in a fraudulent manner and continues to go unchecked by appropriate authorities. I demand appropriate action by the CFPB.
Citibank unilaterally changed the terms of my home equity loan. The bank stated that I could not use the line of credit to withdraw any money for the last several years. I believe this to be a breach of contract.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
I am on a student loan deferral from the XXXX granted by my XXXX contract. I have submitted the annual forbearance form every year since eligibility began in XX/XX/2013. My paperwork was late in XXXX - XXXX due to administrative failures at my unit of assignment during XXXX I confirmed with the servicer, FedLoan Servicing, that my deferral was backdated and my account credited, however, my XXXX trade lines had already been reported by the time the error was corrected since I was already 90 days past due. I have filed XXXX disputes since I originally discovered the issue, with the most recent dispute results arriving this morning. Today I spoke with Employee ID XXXX at FedLoan Servicing -- she was very helpful. FedLoan Servicing is refusing to fix the XXXX past due report, although they have backdated the deferral and any monetary penalties. The last time I spoke with a representative at FedLoan Servicing, I was told that I do not have to worry about my unit processing my paperwork after the deadline because the deferral would be backdated appropriately. This is not what happened, and as I am applying for mortgages to purchase my XXXX house, I have XXXX trade lines with XXXX past due records as XXXX of XXXX negative trade lines -- the other is a tax lien from the City of XXXX, NY for parking tickets I 'd failed to pay several years ago. FedLoan Servicing 's inability to enact sensible procedures is unjustly affecting my ability to lend at a rate commensurate with my riskiness as a consumer. 

The XXXX negative trade lines also affect my ability to acquire credit where automated credit decision engines are used to summarily decline applicants with a certain number of XXXX delinquencies -- a common practice in consumer lending, as these individuals tend to be exceedingly risky in today 's credit climate.
I do not have an account with Portfolio Recovery and this account was based on ID XXXX. I have requested for validation and verification. Now they are making unwanted phone calls to my home and threats of filing a law suit
This is for an AAFES credit card for a debt from 2008 in which they did a wage garnishment from my husbands XXXX XXXX pay for over {$10000.00}. Now they are saying we still owe {$25000.00} for interest that accrued during the time that the garnishment was being paid. I sent them a letter along with a copy of my husbands orders and a Powers of Attorney in XXXX stating that my husband is currently XXXX and falls under the XXXX as AAFES has now turned the debt over to a 3rd party debt collector called XXXX XXXX XXXX . I just a got a letter today called a Notice of Intent to Initiative Administrative Wage Garnishment Proceedings ... .threatening to garnish my husbands wages again! When will this end and how can they garnish a soldiers wages when he is XXXX?
I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time XXXX emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies s.a. previous addresses, employers, and Aliases. For another fee, I could look at the information held by Experian, and XXXX. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me to fix it.
Per instruction, My husband and I opened two joint accounts in Citi Bank on XX/XX/XXXX and XX/XX/XXXX, and totally deposited more than $ 350K into Citi to qualify its advertised promotion program " XX/XX/XXXX Lunar New Year Promotion '' for Tier 4 ( $ 300K+ ) reward. According to its term, the reward will be available for customer to pick up at their branch by XX/XX/XXXX. But it never came. I contacted XXXX XXXX, Citigold Relationship Manager several times ( Please see attached file for email correspondences ), his first response to me on XX/XX/XXXX was : " We still waiting for more shipment. But I will put in request to see when they are coming '' Then on XX/XX/XXXX was " So sorry XXXX XXXX, we been having problem with our promo department. I will call once it come in '' Then on XX/XX/XXXX, He called me and told me that the Citi promo dept does n't think I am qualified for this reward, because one account primary hold is under my husband name. This is totally not acceptable, as such a rule has never been disclosed or clarified in their promotion advertisement. Even their account manager XXXX XXXX, who handled our accounts does n't know such a rule or he is not trained properly to be aware of such rule.
My name is XXXX XXXX XXXX, XXXX with the United States XXXX, and I fell behind my Mortgage Payments after an expensive bitter divorce. I applied for a Loan Modification while I was XXXX, and my Lender Wells Fargo offered a Loan Modification on XX/XX/XXXX. I negotiated while XXXX, by phone and mail, and now feel that my Lender did not offer me the best options or provide me with the proper guidance, but rather looked at my income that increases while in XXXX, and now reduced as I am nearing my retirement and assign to XXXX. 
I have requested a re-Modification to consider my current financials for over a year and have been toss around to different Specialists, whom are XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX and each one have asked for different documentations with no one taking my calls or that of my Third-Party Representative to provide any status on my Request. 
Nearing my Retirement of over twenty years, I want to remain in my home, and simply ask for a revaluation of the Modification for a 30 year term instead of the 15 year term that I was encouraged to accept. As professional Mortgage Lender, I should have been given the best options, after being encourage to " do it yourself '' rather than use a Third-Party.
I contacted the Bankruptcy Court asking their method of verification and they responded saying they do not verify or validate any information to the credit bureaus. The credit bureau refuses to remove the information although they specifically told me they verify personally. This is a direct violation of my consumer rights and I would like the false information removed immediately from my report.
Love, Beal, and Nixon attempts to collect from XXXX individuals with federally protected, exempt funds.