WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen Loan Servicing ombudsmen specialist XXXX XXXX who quietly hides her management position when she responds to consumer complaints that she never properly investigates because she is given high salary that was embezzled by millions of homeowners to be trained how to cover up the pretender lender loan servicers troubled company abuses. I have informed the pretender lender loan servicer ombudsmen specialist XXXX XXXX and opposing counsel XXXX XXXX several times regarding the VOID FRAUDULENT ASSIGNMENT that was created out of shady XXXX XXXX XXXX XXXX XXXX just days before the bogus lawsuit was filed. XXXX XXXX XXXX assigned the bogus mortgage to XXXX XXXX XXXX XXXX XXXX signing for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Depositor XXXX XXXX XXXX is the only rightful party that can place assets into the trust pursuant to investors offering documents as specified above, to have all the rights, duties and obligations of the Depositor with respect to the Trust, XXXX XXXX XXXX XXXX XXXX with closing date of XX/XX/XXXX. The assignment is approximately 3 years after the mortgage was placed into the Trust -- a clear violation of the Pooling and Servicing Agreement. XXXX XXXX XXXX or a ghost robo-signer signed the fraudulent VOID assignment on XX/XX/XXXX and then XXXX XXXX XXXX committed fraud by claiming the ghost to be present before her then rubber stamping the VOID assignment on XX/XX/XXXX just days before corrupt shady XXXX XXXX XXXX crooked lawyer filed the bogus lawsuit then used the fraudulent assignment to intentionally mislead the court while committing fraud upon the court to be guaranteed favorable judgement to embezzle my property. Before XXXX XXXX XXXX XXXX XXXX filed its bogus lawsuit I informed the shady lawyers that I was diagnosed with XXXX and to leave me alone because I only had months to live. XXXX XXXX XXXX shady law firm thought they could get away with embezzlement because they all thought I only had months to live. Shortly after the fraudulent assignment was created by corrupt shady XXXX XXXX XXXX the imaginary XXXX XXXX  XXXX XXXX ghost before her robber stamper XXXX XXXX XXXX license was revoked by the Commissioner. Well, I was misdiagnosed and I am not going to die so what are all you scums going to do about all the years of all your fraud now? Opposing counsel XXXX XXXX is assisting his clients with embezzlement by claiming to have personal knowledge and reviewed the VOID assignment that was fraudulently recorded claiming its stands to assist the Mortgage Law Firm with embezzlement fraudulent Trustee Sale.
DEVILLE ASSET MANAGEMENT XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX is trying to collect a debt on behalf of XXXX. I do not owe this debt. They refuse to listen to me regarding this. The amount they say I owe is XXXX.
I have been trying my best to get this account by Experian updated. I even paid XXXX different credit repair companies to update the information and no one could fix it. I tried to even fix it myself. I ask XXXX to send me over to monthly statement from back then so I can show them how they are wrong. XXXX made the error of not updating my account back when they did not receive my payment and I was not my fault. XXXX refund my late fees which will show up on my credit card statement all three times. Because the account use to be a XXXX credit card and XXXX took over the account. I can not get the creditcard statment from back then. XXXX told me the system do not go back that far. If it do n't go back that far how are they able to prove this was a valid late account. I want might credit card statement from back then so I can prove I was not my fault when the account was late 3 times. This was the reason why I changed my payments to be done online. And there was no more problems after that. How can you prove anything if the citicard company wo n't give me my statements. Because Experian is the only one reporting this as a late account without any proof of documents I find it to be their fault. Experian should ask for the credit card statement to prove the late dates. So I can prove it was not valid late account to be reporting it to the agency. I attached account document from experian to show you the account I am talking about XXXX Credit Card Account XXXX. I use to be a XXXX account.
I am an XXXX XXXX service member seeking assistance with my mortgage. I have made many attempts to work with my lender but I often times feel as though I am being given the run around our just being outright lied to. We experienced some rather life altering difficulties after moving into our new home. We went through a period where we were unable to pay our mortgage. We were sent to XXXX. We dug in and worked hard though. I picked up a XXXX, short term job in addition to my military position. We cut off everything of " luxury '' - cable, internet, cell phones, eating out, school trips for the children, vacations, birthdays etc. We pulled ourselves back from the impending devastation and resumed paying our mortgage in XX/XX/XXXX only to have our payments mailed back to us demanding full payment which at that moment was impossible. 
Since then I have been actively seeking a solution with the mortgage company but have been met with countless obstacles.
Transunion and XXXX have lowered my credit score for no reason, AND ITS ERRORS, I have my credit card since XX/XX/2017 and have never missed a payment, and account always said ''good standing '', my score was a XXXX in XX/XX/2017 and went down to a XXXX, it should have gone up, so whats the problem i ask, why did they lower my score, since then i closed the account over 2 weeks ago and its showing a XXXX balance IS TOTALLY WRONG, THAT WAS A SECURED CREDIT CARD [ my money ], AND THE BANK SENT ME A CHECK FOR XXXX CENTS AND CLOSED THE ACCOUNT UPON MY REQUEST, NOW I WANT MY CREDIT SCORE RESTORED TO WHERE IT WAS BEFORE, this is total XXXX with major fraud, see pics of proof,
I first e-mailed the Bank of America for a payoff amount on my mortgage on XXXX XXXX, 2017. Although this generated a reply that my e-mail would be answered within two days, I received no reply. I again e-mailed on XXXX XXXX, and again received no reply. I called on XXXX XXXX and received an automated replay that the payoff would be {$18000.00}, and also received a telephonic message that I would have to call and stop automatic payments. The automated phone line would not accept the instruction after hours. I called, I called on XXXX XXXX, waited over twenty minutes to contact someone, asked for a payoff now for XXXX XXXX and was told a letter would be sent. I also was asked to remain on hold while the operator transfer me to someone who could stop the automatic payments. 

I transferred the payoff amount as of XXXX XXXX, but the bank ignored it as a payoff and applied it as a regular payment, deducting an escrow amount and leaving the automatic payment scheduled. I called to get this corrected on the XXXX but was placed on perpetual hold. The bank is misapplying my mortgage payoff and THERE IS NO WAY TO CONTACT THEM. THEY LIST A PHONE NUMBER. AFTER YOU GO THROUGH THEIR SELECTIONS AND ASK FOR AN OPERATOR, THEY PLACE YOU ON PERPETUAL HOLD. THEY DO NOT REPLY TO E-MAILS. THEY HAVE MISAPPLIED MY MORTGAGE PAYOFF WHICH WILL DELAY MY PAYOFF DOCUMENTS, WHICH I NEED, AND THERE IS NO WAY TO TELL THEM SO. I WAITED OVER HALF AN HOUR TO BE CONNECTED TO A PERSON AND LISTED TO " YOUR CALL IS IMPORTANT TO US. WE 'LL BE WITH YOU MOMENTARILY. '' I LISTENED TO THIS FOR 31 MINUTES AND CHECKED FOR A REPLY TO MY E-MAIL EVERY DAY SINCE.
On XXXX XXXX, XXXX, I submitted a request for modification assistance to my lender Selene Financial. Selene Financial, has refused to review my loan for modification assistance citing that they do not have to review my request if my loan is less than 37 days from a date of sale. Selene confirmed receiving a full package on XXXX XXXX, XXXX, and furthermore we were never given any such date which would be deemed too late to review our documents. This fictiosous rule was only implemented when our package was received by Selene. The FHA general rule of thumb is that loan modification requests require a minimum of 30 days for review of a full package. 
Please also note a sale date was imposed on our home on XXXX XXXX, XXXX, which was also after having received our documents for assistance XXXX XXXX, XXXX. XXXX and a well-known foreclosure mill named XXXX XXXX XXXX are attempting to set aside federal rules and statues surrounding loan modification review. They have seen the equity in our home increase significantly over the past couple of years. This act is known as " Dual Tracking '' and has been illegal snice XXXX National Mortgage Settlement. 
My understanding is that Selene Financial, has one purpose at this point which is to foreclose on our property due to the increase in home equity over the past 18 months and the fact that our family suffered financial set back on multiple occasions prior to our request for assistance. Furthermore, it is our belief that because our loan is government insured loan both XXXX XXXX XXXX XXXX aim to profit from padded, trumped up legal fees and filing a claim with FHA for insurance money to cover my loan. 
I also am certain that my original loan does not contain a power of sale clause, which, means Selene and XXXX XXXX XXXX, are required to complete a judicial foreclosure on my home rather than non-judicial. 

See statute below : Most residential mortgage foreclosures in Texas are no judicial, which means the lender can foreclose without going to court so long as the deed of trust contains a power of sale clause. ( A " power of sale clause '' is a paragraph in the mortgage that authorizes the no judicial foreclosure sale.
I purchased XXXX wood shutters from XXXX they were ordered and billed on the credit card a fee of XXXX, the ordered was cancelled by JC penny because it had been over 6 months since the XXXX guy had measured. He came out again and measured and we ordered XXXX blinds for {$950.00}. This should be the only charge. XXXX refuses to remove the XXXX even though we have called and had the lady who sold us the blinds on the phone with us. They SAY it 's removed but I just got a new bill today and it is still on there with a XXXX late fee charge. I 'm hoping you can help get XXXX removed from my card as well as the late fee.
I previously disputed this company as their livense was not valid in the state of Michigan. They just renewed their license. As a result of me disputing and filing a previous CFPB complaint they have now loaded a duplicate of the same collection that was not validated previously. This seems like a retaliation attempt of some sort. My previous complaint to the CFPB comments are below. Not if these accounts need to be deleted for failure to validate and verify, and for the duplicate request as retaliation. 

I have an existing account of my credit bureau file from XXXX XXXX XXXX. The account number is XXXX Please be advised that I am disputing this collection account due to the fact that XXXX XXXX XXXX does not have a valid license to collect in the state of Michigan.the image I am attaching shows their license is closed meaning not active according to XXXX- Michigans department of licensing and regulatory affairs. I am requesting that this be investigated and this account be deleted from my credit profile immediately or provide physical proof XXXX XXXX XXXX is licensed to collect in the state of Michigan.
The collection agency account is showing that I have an open balance of {$73.00} on my Transunion credit report which is showing as a derogatory remark ... The full balance was PIF and cleared my bank on XX/XX/18 ... I was promised that it would be cleared from my report within 60 days. This needs to be removed from my report. 

Collections : XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX Creditor : XXXX XXXX XXXX
I submitted a complaint to the CFPB regarding this same institution. They claimed to have resolved the previous issue but had lied with regards to consumer contact. Since they have charged my account several fees then closed my account without notice.
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX Opened Date XX/XX/2012 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
These accounts below are not mines and I have disputed this before. I have also provided a FTC fraud report in the past.
XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving NegativeXX/XX/XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Revolving Negative XX/XX/XXXX These two accounts are the same and should not be posted twice to my report.
XXXX XXXX XXXX  XXXX XXXX - - Installment NegativeXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - - Installment Negative XX/XX/XXXX This account below is more than 10 years old. XXXX XXXX XXXX XXXX XXXX XXXX - - Installment NegativeXX/XX/XXXX
Im writing to complain about information presented o n Nelnet 's Income-Driven Repayment Plan site. Based on information derived from Nelnets Income-Driven Repayment Plan site ( which is a   calculator to estimate repayment plans ), I believed I could significantly lower my monthly payments, and so I submitted an IDR application in  XXXX   XXXX . My loan payment amount was reduced from {$890.00} to {$830.00}. As this was not as large a decrease as I was quoted, I chatted with Nelnets service/ help desk who informed me that my spouses loans were not factored into my payment calculation. Based on their guidance, I resubmitted an IDR application in  XXXX   XXXX  and then in  XXXX   XXXX . In late  XXXX , I received notice that my monthly plan was reduced to {$770.00}. As I was surprised my monthly payment was still high compared to the quote range I received on Nelnets Income-Driven Repayment Plan site, I re-checked Nelnets website on  XXXX   XXXX . I entered accurate information about my salary ( I used my  XXXX   XXXX   ), m y tax filing status, my family size, and other loans held by me and my spouse and I was quoted $  XXXX  month fo r ICR plan. Using the exact same information I provided to Nelnet in my IDR application, I was quoted a completely different amount than what was determined by Nelnet to be my payment amount. I contacted the service/ help desk to ask for an explanation for this wide discrepancy but they were not able to explain the difference. The service desk k ept saying they can not explain the amount I was quoted on their website because they can not confirm what information I entered. Essentially, they take no accountability for what 's on their website.I am writing to complain about the misinformation presented on Nelnets site. It makes me questions Nelnets business ethics that information on the website is so off and that your staff are unable to provide explanations. I do n't trust how they are calculating my payments.
On XXXX XXXX, XXXX I received a phone call from XXXX XXXX state filing and legal services. She said she would be issuing a warrant for my rest concerning bank fraud and I debt I owed to a bank. I have only banked with XXXX bank in 20 years so I found this odd. She gave me an out of state number to call to get this clarified ; I called Alternative Dispute resolution and spoke with a XXXX XXXX legal representative ( found out later he was only the receptionist. He then began to threaten me that I did n't pay this payday loan off there would be a warrant for an arrest on the grounds of bank fraud. I would be arrested and I would not be able to post bail, so I better find a good criminal lawyer. In a panic and without thinking I sent the money in a money gram, and called the police and this agency later. He originally said I owed XXXX but if I settled that day I could pay a XXXX and it would be satisfied. I called the next day to verify the amount was paid and the person that answered to phone said I should n't have paid it was n't mine and should have taken the warrant and hung up the phone. I called later for more answers on who the original creditor was. I spoke with XXXX XXXX and he stated he would help me find out the information and to called him on Monday XXXX XXXX and he gave me incorrect information stating I did bank fraud on my bank in XXXX yet my paperwork says XXXX, he gave me the lenders phone number which was incorrect and I checked with my credit union to see if anyone received a payday loan. They informed me no and they had nothing to do with it. So back to square XXXX. Please help me investigate this problem.
I have been paying on my loan since 1999. When I started collecting social security ( I am low income ) my loan became income based but my loan payments have double or tripled. The amount for XX/XX/XXXX is XXXX. and when I looked up my account number it had gone up to XXXX. which is an amount I can not handle. I paid on my loan for years but I seem futher behind.
I was a victim of Identity Theft this summer. There was a loan taken out in my name on XXXX XXXX, 2017. This was the first incident and it took me a minute to realize it until I started receiving debt collector calls about it. The loan itself has been taken care of because the person pleaded guilty and the debt collection company removed the open account. However, XXXX XXXX XXXX absolutely refuses to take the inquiry off of my XXXX Report and denies that it is fraud. Ive had about 10 inquiries total added to my report in the past few months so I am not okay with them ignoring my case like this. The person is in XXXX!
XXXX XXXX needs to be shut down. They are not above the law. They do not refund money when unauthorized purchases are made on social security credit card. I purchase a XXXX car wash and somehow under the transmission they took out all of my funds of XXXX. Now this is only a car wash not a place to pump gas. It was so obvious there was an error but XXXX XXXX denied my claim. You really need to investigate this I now think they have an automatic denial letter generated for false charges to the consumer 's and they forget they are regulated the federal laws like a bank. I believe this is an incredible crime on their part and I would like my money back.
XXXX XXXX of Provider Recovery Network, XXXX XXXX, XXXX XXXX, CA XXXX, telephoned my daughter several times and threatened to sue her and ruin her credit if she did not immediately pay a debt in person. She XXXX, and XXXX harassment caused her much distress. He claimed that the debt was an unpaid hospital bill. My daughter is an adult dependent covered by our family health insurance, and we have paid every bill ever received. I spoke to XXXX on XXXX/XXXX/2015 and told him to send the bill to me, and to stop contacting my daughter. To date, I have not received any bill from him ; I believe there is no debt. I would like written confirmation that we owe nothing. Thank you.
I refinanced with AmeriSave in XX/XX/XXXX. I went to closing XX/XX/XXXX. My interest rate was locked in at XXXX. Just before closing they changed my interest rate to XXXX without telling me.
We obtained an Equity Line of Credit in  XXXX / XXXX / XXXX  from National City  Bank (  now  PNC ) secured as a 2nd  XXXX  by our personal residence. We made all payments on time f or 10 years. At the end of the 10 years (  XXXX / XXXX / XXXX  ) the draw period ended and the loan was converted to a 20 year repayment period.     PNC is reporting this loan as a " Revolving Credit Card Debt '' loan to the Credit Reporting Agencies.     We refinanced ou r 1st mortgage which closed   XXXX / XXXX / XXXX . The  1st  mortgage now reports as closed and the new 1st mortgage holder has not yet reported to the Credit Bureaus.     In  XXXX   XXXX  when monitoring our credit we observed o ur credit score h ad lowered over  XXXX  points. We contacted PNC and asked them to report the loan as a 20 year term loan secured by real estate since that is what it now is.     They refuse to change their reporting to the  Credit Reporting Agencies without any explanation.      We then mailed (  XXXX   XXXX ,  XXXX  ) the original note and subordination agreement for  the county records to the Credit Bureaus who contacted PNC and still no  change.     Please help us with this reporting. We have always paid the bill on time, even through the recession, which they are reporting to the Credit Bureaus.
I have filed XXXX disputes with Equifax for a judgment being reported as satisfied. It was reported in error, and paperwork was completed and recorded to cancel the judgment that was recorded in error. The other credit agencies have accepted the cancellation document that was recorded by the court. Equifax does n't seem to understand the difference between a satisfaction and a cancellation. If they want to report the judgment as " cancelled '' that 's fine. It is showing as " satisfied ''. I would like it to be removed or corrected.
Here is the story all over again, as I recall it, in early 2014, XXXX either made or partook in making me a Video DVD, but never got back with me to edit the DVD. What I wanted in this DVD was to have Pictures of Women 's shoes, of the actual items I was selling on my website. I DID NOT want Pictures of Women 's Shoes I was not going to sell on my websites. I have not used the DVD in anyway at all. Why should I to pay for services that I am not happy with? I am not happy with the service they have provided in the past and will not subject myself to such treatment in the future. I can not begin to tell how disappointed I am with this entire situation. I have tried to contact them numerous times and conveniently they are not available. I have verbally expressed my concerns and have requested a Full Request on several occasions. Agents have asserted that they will not return my money. This entire ordeal is sketchy! To date, I have yet to receive the product as described. I attempted to dispute this {$1000.00} dollar transaction with my credit card company, they simply refused to assist me. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have XXXX YEAR to file a non-billing error type dispute. Ever other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company that for this purpose allow they should issue a refund promptly. I have already been through enough calls, emails, and irate conversations with the merchant. They should not be siding with the merchant, my credit card company should be on my side. PLEASE HELP US!