WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint surrounds the illegal execution of a foreclosure sale completed on XX/XX/2015.I have requested on multiple occasions for XXXX XXXX , XXXX. ( XXXX ) located at:XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX, to provide me with proof of service, as well as all copies and documented effects relating notice of foreclosure pending for XXXX XXXX, 2015. It is a fact, that I did not receive notice from XXXX, nor Nationstar Mortgage Servicing ( NSM ) my lender. At no point was information or dialogue ever reciprocated to me that that there was a pending foreclosure action scheduled for my property. 
New Jersey foreclosures are administered through the court system. RULE 4:64. Foreclosure of Mortgages, Condominium Association Liens and Tax Sale Certificates. We received no copies nor summons of the original foreclosure complaint action filed within XXXX XXXX XXXX XXXX. Therefore rendering our right to due process in effective in regards to unbeknownst Docket NO. XXXX civil action. XXXX, has failed to provide the following documents required to be filed prior to conducting foreclosure and have violated fair foreclosure act n.j.s.a. 2a 50-53 : I have requested case numbers pertaining to these foreclosure filings and XXXX has refused my requests in their entirety and my following requests are still being ignored : - Notice of Election and Demand. 
- Original Evidence of Debt, or a copy of the Note and Certificate of the Owner and Holder of the Evidence of Debt, or a Corporate Surety Bond in the amount of one and one-half times the face amount of the original Evidence of Debt. 
- Original Deed of Trust or certified copy, or copy with certification letter - List of names and addresses of parties to receive notice. 

We implore your office to investigate this matter immediately, as BMP which is considered a foreclosure mill purchased in addition to failed to, provide Notice of sale must be mailed to homeowner ( and all parties who appeared in the action ) at least ten days before sale, as well as posted on the property and in the sheriff 's office, and published in XXXX newspapers for four weeks. We are forwarding to additional bank regulatory agencies.
Dear CFPB, XXXX/XXXX/XXXX, I received a call from a restricted # saying that they have an urgent matter and that I need to call the ph # he gave me over the phone XXXX XXXX XXXX. I call them and spoke to a male person that refused to give me his name or any info on the account or their company. He was rude, insulting and abusive and hung up on me. I just needed info of the LAW FIRM he said he is working for. So later again, I called and hoping to talk to someone else working there, to get the proper information. I spoke to XXXX XXXX XXXX who told me that there is a demand letter for XXXX from CITI bank, and there will be a lawsuit/judgment against Me XXXX XXXX if I do not settle this right away. As I recalled, I never had a debt with CITI bank for {$35000.00}, then he explain that its actually XXXX but with fees its XXXX and would be willing to settle this matter for XXXX. The next day, I got another call from the first person I had spoke to but I did not take the call because it was a restricted #, so he left a message stating his name is XXXX XXXX and was upset the I complaint that he was harsh with me. He also called and left a message on my daughter phone. 
This Account with CITI bank was default by the end of XXXX when the real estate market crashed in XXXX XXXX California. My husband and I both lost our jobs and could not make our mortgage or credit cards payments, we were insolvent for years. Some debts were charged off in XXXX including CITI bank. It appears that this collection company named XXXX buys or gets old debts and tries to harass and threaten citizens of America to get them to pay old discharged or charged off debts. They have continuously called from restricted phone # and sometimes left threatening messages on my phone, my husband, daughter and son 's phones. They have call early in the morning and late in the evening from their restricted phone #. If this is a law firm as they claim to be but refused to give me their attorneys ' names, they are most definitely violating the laws and statute of limitation. 
Now, with our business a little established, we are able to pay our modification mortgage and utility bills. We are just not able to make credit cards payments. My husband and I are barely making enough to get by in this economy. Please help stop this company from threatening and harassing myself and family members. PLEASE INVESTIGATE THIS COMPANY AS THEIR REVIEWS online ARE NOTHING BUT SCAMS
The company Convergant is attempting to collect a debt which was discharged on XXXX XXXX, 2010 in my Chapter XXXX bankruptcy. The debt from the original debtor XXXX is no longer owed.
Got a call from a XXXX XXXX who said he is calling on behalf of One Advantage LLC for Account # XXXX. He said I have to take care of this business matter today or they will proceed to take further legal actions and will file a motion to garnishment against my check within the next 24 hours if the matter has not been resolved. The person that called me had a XXXX accent and was very rude. He said the amount was for XXXX.
This is not a valid debt, the charges made to the card were for car repairs which were not authorized and did not resolve the issue of the check engine light being on.

Additionally the credit card company SYNCB/CAR CARE XXXX  continued to charge interest and late fees well after the account was charged off to a total of {$1000.00} in late fees and additional interest. The credit limit on the original card was {$2100.00} the total amount finally charged off as bad for the unauthorized charges and work on the car was {$3100.00}.
I spoke w/ the XXXX. I am working on traveling out to Washington to tell my story about all the years of pretender beneficiary " XXXX Bank '' and pretender lender loan servicer " Ocwen Loan Servicing '' fraud servicing abuse which has caused me serious health troubles which landed me hospitalized for months. I will hold Ocwen Loan Servicing and XXXX Bank fully responsible for all damages. Ocwen Loan Servicing and its robo-litigation puppet refuse to be honest and stop committing fraud against me, they all continue to harass me sending many fraudulent invoices using fraudulent trustee sales. Ocwen Loan Servicing litigation robo-start has been spinning and cherry picking responses to my many consumer complaints. Ocwen Loan Servicing employees can not stop themselves from committing fraud against Innocent victims, they have no control over mind control. CFPB seeking fines from Ocwen constentaly will continue until the end comes and Ocwen is permanently shut down and all its minions are brought to justice just like XXXX XXXX XXXX. Ocwen Loan Servicing and its litigation lawyers love crooked XXXX and all are scum of the earth.
XXXX XXXX has tagged me with a phantom account and reported it to XXXX, Equifax and XXXX. I've sent each of the credit bureaus a certified letter asking them to validate this account ownership with XXXX XXXX and they have not! I also asked for the procedure used to determine the accurancy and completeness of the information for this phantom account. 

I'm having low credit rating with XXXX, Equifax, because of this phantom account that is reported closed on XX/XX/XXXX yet it's reporting a late payment on XX/XX/XXXX and a Charge Off on XX/XX/XXXX.
We took out a loan with One Main Financial in XXXX Ga on XX/XX/2018. We went and paid off the loan yesterday. The loan amount was XXXX plus a XXXX processing fee. They financed XXXX dollars which we were not aware of what exactly went on with that as XXXX of it was a life insurance policy and the other was for XXXX for home and auto insurance. However a check was cut for this last amount and my husband and I had to sign the check and One Main kept it although our loan papers say it was given to us and was not ... The interest rate is 36 percent a year on the loan. But as I said we paid it off not even one month later. Our payoff was XXXX. This is XXXX dollars in interest for less than one month  of a loan. In addition they claim they took off the XXXX insurance check as it is refundable to us when we pay off the loan. So in all One Main is  saying we paid them over 1200 dollars in interest for a loan that is less than one month old. This seems like a scam and a rip off. Had we had the loan longer I could see the high interest charge but the 36 percent in the papers says it is a yearly interest rate so it makes no sense. Seems like we should have paid XXXX or something in that area, not XXXX in all for a loan less than one month old. I would like this investigated please.
My XXXX XXXX XXXX daughter has a credit card debt that went to collections. This debt collection agency contacted her. She gave them permission to work with me on this. They called me and I told them to email me a proposal, and almost immediately after they emailed it they began calling me again. I emailed them to stop the phone calls to my daughter, me or any of her friends or relatives and that we could continue to work together in writing. I also asked that they validate the debt. They pressed to have payment of over {$1200.00} by the end of the month, which at the time was 12 days. I told them that was not possible and I needed a more reasonable payment plan. He sent me back something that had payments totaling over {$2500.00} at {$210.00} a month, with XXXX payments in XXXX. I countered that he had XXXX payments in XXXX, and I offered to pay XXXX even payments of {$320.00}. He said that he only got approval for the settlement if I paid it by the end of the month. I told him that may be but it was his issue that he went to his client with a proposal that I never agreed to. I said I suggest you take this to your client.. He said he would. This was yesterday, XXXX XXXX. I have not heard anything back from him. Today, XXXX XXXX, I get a phone call from XXXX XXXX with their company saying she wanted to get a final on this. I said you are not supposed to call me, and I am very busy. She proceeded to talk over me while I was asking her to validate the debt for me, she told me she would not call me again, and since she was talking over me, I could n't understand what all she was saying, but she said something about I 'll tell you what I 'm gon na do, and then I did n't hear anymore because I was asking her to validate the debt. I want them to validate this so that I can make a reasonable offer. I will pay what my daughter charged and a reasonable amount of interest. I need to see the statement so I can offer a fair settlement. They are unwilling to do this.
For years, I have been attempting to resolve this dispute with the Mortgage Holder / Servicer ( s ) of my Home Loan - first on my own, then with the assistance of others - including my attorney. 

Despite our best good faith efforts, the Investor ( XXXX XXXX XXXX XXXX XXXX ) and current Servicer ( Mr. Cooper, formerly known as NationStar Mortgage ), continues to act in bad faith. 

Although both entities have been disciplined and sanctioned by governing bodies ( XXXX XXXX XXXX XXXX XXXX by the OCC, and Nationstar/Mr. Cooper by the CFPB ), I have received no remedy - and am now pleading for relief from the CFPB. 

The most recent grievous actions surround Mr. Cooper refusing to deal directly with me - or any of my appointed representatives. Contact, requests for assistance, and negotiations have been referred by Mr. Cooper to their legal Counsel. 

That attorney, XXXX XXXX XXXX ( Partner, XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX, XXXX XXXX  | XXXX, FL XXXX D : XXXX XXXX XXXX | T : XXXX XXXX XXXX XXXX ) has not made headway in communicating my needs to her client, neither does she respond properly to my requests for assistance. 

Documents submitted - per the Servicer, must go first to XXXX XXXX. this has caused me to have to share sensitive and personal information with a third party I have not done business with, and who is free to utilize this information for whatever she chooses ( in my opinion ). 

I have filed a complaint directly with Mr. Cooper, sent requests and information through their 'secured portal ', and attempted to contact all published resources - only to be told offhandedly, that I do no qualify for assistance because of reasons which make no sense. 

I have repeatedly submitted a complete hardship assistance application to this Servicer - the Investor was apparently forced out of business for similar abuses by the OCC ( Office of the Comptroller of Currencies ), and to the opposing counsel in this case - to no avail. 

I am pleading with the CFPB for more intercession than a 'resolved-Servicer replied ' ( paraphrasing ) response. I am praying that the various available options - including settlement monies set aside for persons like myself be utilized to make me whole - and allow the parties to resume their business amicably. Please help me to save my home. Thank you, XXXX XXXX.
My loan was transferred from XXXX XXXX to Freedom Mortgage. From the first notice I had called and ask what next steps are. I was to and I followed the to the letter. I was trying to set up online my ACH with a customer rep on the line with me. As instructed I paid one month up front prior to setting up a payment twice a month to be drafted from my XXXX XXXX account. The soft wear was not working and we tried 10 times with out success. At that point the customer rep said he would take my information and put it into the system from his end. A week later I got a call from a rep from FM and she said the ACH was not complete and she would take care of it. Now 2-3 weeks later I got a tax bill from my township and I called FM to ask for a email address so I can scan in the tax bill to match up my escrow. I had asked while I was calling how is the ACH set up and is it ready to go. The customer rep told me it is not even set up. I said read the notes the rep from weeks ago was setting it up. The rep agreed the notes in fact said it was being activated by FM but now since so much time has gone by you need to pay another month in advance to get your bi-weekly ACH set up. I said I did and I will not do it again. This is your problem at the bank and not mine. I has been very unprofessional and with no answers as to how they are going to fix this.
I was not properly notified of a debt with the original creditor. I contacted the original creditor who agreed to remove the collection from my credit report after it was paid due to the notice being sent to an old address. This was also communicated to the collection agency ( Atlas Collections ). I paid the debt in full and the collection agency only removed it from XXXX of my credit reports. I have made multiple attempts to reach the collection agency and have left several messages, emails etc. they will not respond to my requests. I have emails that show the agreement to remove it and where they stated that they had removed it. I have also disputed this with the credit reporting agencies and Atlas has verified this rather than removing it.
XX/XX/XXXX, I was coming from campus at the university XXXX, XXXX campus. On public transportation and was victimized by a pick picketer. This incident was reported to law enforcement and reported to all XXXX bureaus, Equifax has allowed a massive drop in my score, allowing verizon after two years of the account meeting FCRA requirements, as fraud delclaration. this is unacceptable.. i have spent all of XX/XX/XXXX and XX/XX/XXXX paying off debt, and has no more negative accounts any longer. please assist in this matter.Equifax has now filed their 4th dispute to be on hold another 30, days. 
respectfully XXXX XXXX XXXX XXXX ph XXXX
My problem is with the Bank Of America because they charge me {$35.00} of overdrafts and those overdrafts bring me payments returned When we call for explanation they say that the system does not give you information about what is causing the overdraft ; Only this month I have gotten over {$130.00} of overdrafts ; I have signed a letter requesting that they do not overdraw my account charge but even they charge me overdrafts
On XX/XX/XXXX ( dated XX/XX/XXXX ) I received a letter signed from XXXX ( of Chase bank ) in regards to my in regards to my initial letter disputing the credit inquiries on my XXXX & XXXX reports dated XX/XX/XXXX & XX/XX/XXXX respectively. She mentioned that this was a valid inquiry and stated that it occurred on XX/XX/XXXX. Not only did I not authorize or make any inquiry on XX/XX/XXXX or XX/XX/XXXX, but I did not make any on XX/XX/XXXX as XXXX specified.
I am yet again having issues with forced-placed flood insurance issued by Roundpoint Mortgage Servicing. I have repeatedly provided them with proof of my condominium association 's flood insurance by multiple means listed on their website ( it still says you may email documents, and an agent told me this was still available, yet when I called again another agent told me the e-mail address was no longer functioning ). Despite this, I received an acknowledgement of receipt of my email by Roundpoint 's servicing department weeks ago. I also uploaded the documentation onto the website over a week ago, with no response except my escrow analysis which now claims I will owe an additional {$300.00} a month in escrow payments due to this duplicative and unnecessary force placed flood insurance. Roundpoint needs to immediately fix this error and oversight on their part, as well as address this miscommunication issues within their insurance department. My condominium association has a constant and continuing policy that is automatically renewed every year. The current process is burdensome and rife with errors on Roundpoint 's part. I want issuance of the force placed insurance reversed immediately and credited back to my account, and a new escrow analysis to be performed.
In XXXX I was considering switching my cell phone service from XXXX XXXX XXXX to XXXX XXXX, I spoke to a sales person at a store, and got through most of the steps to switch, but when I saw the costs broken down, it was going to be more expensive than staying with XXXX XXXX XXXX. So I told him that I was going to stay at XXXX XXXX XXXX and to cancel the order, I had not signed anything yet, and he said fine, and I left. A few weeks later I received a bill from them, I called and told them what happened and they promised that it was taken care of. About a month later I received another bill from them, threatening me to put me in collections. Once again, I called, they said that it was taken care of. Today I received a collections notice. I called, I was on the phone with 4 different people, they will not take care of it, this time they want me to go to a store to give them more of my personal information, I am not doing it. I made it very clear to them that this is fraud, they have fraudulently opened.
I built a home in XXXX of XXXX my escrow taxes that year was like {$97.00} and something I was told to put extra money to my escrow account the later for the next 6 months I receive a payment booklet from Greentree stating that my annual payment will be {$1200.00} and some change in XXXX of XXXX I received the escrow refund check of XXXX I asked him was this correct they told me go ahead and spend it everything 's right they 're not responsible keeping anything over 3 years went by I find receive my first in annual escrow disclosure statement and it shows that now I 'm behind XXXX {$3.00} XXXX Greentree has changed its name to Ditech. My mortgage principal and interest isXXXXXXXX escrow isXXXXXXXX in the beginning. New payment Effective as XXXX/XXXX/XXXX is principal and interest XXXX Escrow is XXXX Escrow shortage fee XXXX for next 48 months bringing my new mortgage to XXXX. This should never happen and it should have never took them 3 years to figure this out.
XXXX 's account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$1000.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with XXXX, Trans Union,  XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.
On or aroundXX/XX/XXXX I received a letter from TRANSWORLD SYSTEMS INC. a collections letter from XX/XX/XXXX. I have never entered into a contract with either company. According to the FTC site, the parent company and owner are under permanent in injunction. And it also appears Transworld operated under a different parent company in XXXX and was permanently injunction from operations regarding debt collections. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt TRANSWORLD purport I owe. PLEASE produce a signed contract or signature legally binding me to contract for business with either of these two companies.
I 'm filing this complaint because TRANSUNION has ignored my request to provided 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 matter as soon as possible. Thank You.
I have been payingon this loan early every month. I get a letter in the mail on XXXX XXXX stating that I am overdue. I called the number on XXXX XXXX and spoke to XXXX Representatives. The first representative told me my account is current and to disregard the letter. I had concerns with this representative and spoke with another representative this representative was very rude and after 15 minutes of going back and forth finally she told me that the reason my account is overdue is because on XXXX XXXX of 2015 they did not receive a payment therefore for every month after that I have received a late payment and they have applied the payment I made for the month it 's supposed to be to the previous month. I had no knowledge of this missing payment I sent the payment in the mail as I have done every single other month I got no notification and was completely unaware that they have not received a payment. I called on XXXX XXXX and was on the phone at XXXX XXXX XXXX minutes before and XXXX minutes after I talked XXXX XXXX she informed me that they did not have my phone number they had tried to contact me they do n't mail out contacts and it was not her responsibility it was my fault and if I could n't provide proof for my bank that it had been cashed that they were completely within their rights to charge me the late payments and continue to play each payment that they receive each month early with a statement that they gave me that goes with each check for the according month she told me that that was their business practice. I asked why they did n't send me a letter some notification something I asked her to hear me out she was rude and horribly demeaning. I did call my bank today and there was not a payment for XXXX cashed. did send this and I did n't know they did n't receive it now they have been charging me late payments for over a year as a penalty and not sent me any kind of notification that I received I 'm stuck and I need help and clearly calling on my own has gotten me nowhere. When I ask to speak to a supervisor I was told there was none available their and there would n't be any available and If I wanted to speak to XXXX I just have to call and try my luck. Those are direct quotes. Please help me!