WillisBack/dataset-financial-user-claim huggingface dataset:
Please help! My home was sold in a foreclosure auction on XXXX XXXX,, 2016. We were notified on the day after XXXX XXXX by the person whom purchased our home from the investor. My husband and I were not notified that our home was in the foreclosure process. The Mortgage company stated on XXXX XXXX that we were 9 months behind on our mortgage payment. We mailed them via Money order and currently having them tracked down to find out where they were cashed or if they were just lost in the mail. However the mortgage company also stated that they sent certified letters notifying us. However, we do not have any of them either. 
XXXX My 1st question is does the mortgage company or the trustee have to post the auction in a PUBLIC newspaper? as well as the home owner to be notified ( served ) paperwork prior to the sale. We had no idea that our home was being sold. 
XXXX
FCO ( Fair Collections & Outsourcing ) Account # XXXX They sent me a letter dated XX/XX/XXXX offering to satisy for 20 % off my alleged debt of {$2300.00} of {$1800.00}. Although the XXXX is an incorrect amount. I was willing to pay this due to the urgency of needing this off of my record. I called them to pay the {$1800.00} as they offered and they told me that offer is no longer available that it ended on XX/XX/XXXX. Multiple letters were sent to my house, none of which stated there was an end date of this offer. Once I was financially able to make the paymetn of {$1800.00} I called FCO. 
Now due to this fraud I lost my apartment that I applied for and I have to be out of my current apartment in 2 weeks. Who knows if I will have a place to live now. 

Thank you, XXXX XXXX
I did not receive my Mortgage monthly billing statement in XXXX 2015 for the XXXX 2015 payment from Green Tree Servicing , LLC.
I have been in the hospital for a while and have been unable to mke payments for my loan. They reposessed my car last night. I was in the hospital after i got am XXXX from XXXX
I would like to file a formal complaint against my current mortgage servicer, SPS ( Select Portfolio Servicing ) I am in the process of applying for a loan modification with SPS. Letter dated XXXX XXXX, 2016 ( attached ) indicates I have until XXXX/XXXX/16 to complete the application process. I received a 2nd Letter dated XXXX/XXXX/16 ( also attached ) indicating that my home is scheduled for Foreclosure on XXXX/XXXX/16. 

Please advise.
XXXX, Transunion and XXXX are all violating the lates ruling by the attorney general. DISMISSED BKS SHOULD NOT BE REPORTING ON CREDIT REPORT AS THEY ARE NULL NON EXISTENT PUBLIC RECORDS ... In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of Bankruptcies, tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

https : //ag.ny.gov/press-release/ag-schneiderman-announces-groundbreaking-consumer-protection-settlement-three-national I also have received a notification from the law firm about class action that XXXX  lost and had to pay out due to FCRA violation by issuing consumer disclosures containing " public record '' information ( such as tax liens, judgments, and bankruptcies ) without identifying the vendor it employed to obtain the information from courthouses and other government offices.

I hereby request this erroneously report public record to be removed from my credit report immediately or I will no choice but to write to D.A. and report your bureau not complying with recently issued order.
Ive been repeatedly contacted by people from CBE Group. A quick XXXX search indicates that this may be a debt collection agency. Ive asked them to provide amplifying detail regarding the nature of their calls but they are evasive, not wanting to communicate until they get additional PII which I am not willing to give until I understand the nature of the call. Its highly suspicious. Ive asked them to stop calling but they continue. 
Theres no debt here and I am really concerned this is related to one of the numerous data breaches we have been subject to. What do I do to stop them from calling? The last two numbers they have called from have been XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX. Thanks
I sent a certified letter to Chase on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. By law, Chase did not supply the info within the 31 days required by law validating the dispute
Equifax incorrectly assigned debt of {$110.00} from medical bill XXXX XXXX XXXX XXXX reporting from XXXX XXXX XXXX. ( On XX/XX/XXXX it was confirmed with XXXX XXXX XXXX that they did not report account to appear on my report as they were able to confirm per DOB and name that collection account belongs to my brother XXXX XXXX ). On XX/XX/XXXX this was explained to equifax. I was placed on hold by representative to consult with manager. When he returned, the representative stated that this was not a dispute, and proceeded to transfer me to mix department (? ) he called it. Transfer was never completed as I ended call after being on hold for 25 minutes. No representative followed up to ensure I was transferred or did they update me on why the transfer was taking so long. This incident occurred again on XX/XX/XXXX in hopes of speaking to someone in the correct department but had to end call due to no response on hold for over 20 minutes.
I originally had multiple loans serviced by AES. I have always paid on time and have never been delinquent. In XX/XX/XXXX all but one of my loans serviced by AES were transferred to XXXX. 

My automatic payment was already processing to AES which included the payment to loans now serviced by XXXX. Before they were due in XXXX, I emailed AES on XX/XX/XXXX to request {$720.00} of the {$800.00} payment forwarded to XXXX to cover the loans they are now in charge of. I recieved the following confirmation from AES : " Thank you for contacting American Education Services ( AES ). A request has been submitted to have only {$720.00} of the {$800.00} payment forwarded to XXXX. Please allow up to ten business days for this request to be processed. '' As of XX/XX/XXXX, no payment has been forwarded from AES to XXXX, and we are well past the 10 business day timeline they committed to in XX/XX/XXXX. I have been in contact with Navient multiple times to explain the situation throughout XX/XX/XXXX and they have our conversations documented ( so do I ). I am now trying to pay just my XXXX loans for XX/XX/XXXX but they won't allow me to pay unless I pay both XXXX an XX/XX/XXXX, which is a substantial amount for me. I don't know what to do.
I paid for merchandise in XX/XX/2018 that was never recieceived. My credit card company originally credited my account, but in XX/XX/XXXX took that credit back. I tried to close my account but they refuse to close it, so late fees and interest continue to pile up on top of the fraudulent charge previously mentioned.
Initiated money transfer of {$10000.00} from US to XXXX through Remitly ( Transfer No : XXXX ) on XXXX XXXX 2016. Remitly has promised that the money should be available in XXXX account by XXXX XXXX, 2016 XXXX PDT ( XXXX XXXX, 2016 XXXX IST ). The said time has passed. Remitly is saying delay due to some system issue. 
I had my plans & commitment in XXXX. Now Remitly is saying that the money will be available by Tuesday XXXX XXXX which will be too late. I want CFPB to intervene & compensate me for the delay. Remitly has offered {$5.00} reward for the delay which doesnt make any sense considering the transfer amount. Remitly will generate more income by keeping this amount.
Filed Bankruptcy XXXX/XXXX/2015, Discharge was XXXX/XXXX/2015, I a a co-signer on my children 's student loan with Wells Fargo who was listed as a creditor. Now after the discharge Wells Fargo starts to send mail and starts contacting me by phone again. In speaking with my attorney it was said that all creditors listed in the Bankruptcy was discharged. Wells Fargo states in a letter dated XXXX/XXXX/2015, that when signing the Loan Request/Consumer Credit Agreement I certified that the loans would be used to pay for qualified higher education expenses and under the rules of the XXXX Bankruptcy Code, loans for qualified higher education expenses are not automatically discharged in bankruptcy. From my understanding it was told to me by my attorney that private loans can be discharge which Well Fargo Bank is. I am not able to pay this debt this is my reason for filing Chapter XXXX. I do not want Wells Fargo contacting me under any circumstances.
I received a " Fee Schedule '' insert in my envelope with my XXXX Tax form from Shell Point Mortgage Servicing. The newly instated fees, of which we have no say over, by this company that " assumed '' my mortgage are excessive, to say the least. In some cases the increase is 100 %. This is an undue, unfair, unrepresented increase. For example, if I chose to have my house appraised, they have created a {$1000.00} to assess me. In order to pay my bill, it will now cost me {$10.00}. It used to cost {$0.00}. The recording fee went from {$0.00} to {$100.00}. If they choose to hire an attorney for any reason, even if I am unaware of it, they will charge me {$35000.00}. If I declare bankruptcy, they will charge me an additional {$2000.00} just for declaring it, up from {$0.00} previously charged. There is a " loan repayment fee '' for paying the loan which is undisclosed because it " can vary widely ''. 
These are just some examples. 
These seem outrageous. We did not choose this company so we have no say in this.It is abusive.
I was contacted by debt collector, XXXX XXXX XXXX, XXXX regarding a credit card debt with Capital One in 2015. I agreed to settle with XXXX XXXX XXXX to avoid going to court and paid the agreed settlement amount in full. The update was made to my credit report by Capital One stating that the account legally paid in full for less than the full balance, which the current balance showing XXXX. Since the final payment in 2015, XXXX XXXX collection agency is requesting payment for the remaining balance of the account in the amount of {$280.00} although the account has been settled and fully paid to XXXX XXXX XXXX. Please assist me in stopping XXXX XXXX from attempting to collect from me and reporting a collection on all XXXX Credit Reporting Bureaus. I have settled the account legally and do not owe anymore on this Capital One debt.
XXXX and Citibank opened an account for the XXXX by Citi without my consent. They transitioned the balance from my XXXX XXXX card to that account without approval. I never received a card or a bill for the account. Then they began charging me with late fees and interest. I have contacted them and requested they credit all late fees and interest. They have agreed to credit XXXX charges but would not credit the remaining {$75.00} in charges. I have paid the charges for any purchases I have made but not the late fees and interest.
chase bank is forcing me to purchase a {$150000.00} FLOOD POLICY DESPITE THE OUTSTANDING BALANCE IS {$120000.00} .and also taking money into a escrow account for flood policy that I have paid in full and supplied them with a fully paid up flood policy showing paid in full
New complaint same issue. 

2nd time Citizen 's bank did this to us! Ridiculous. 

XX/XX/18 I noticed my Mom 's acct was left with XXXX dollar after having XXXX dollars in it from her combined pension and social security. My mom is totally XXXX and I am her guardian to which I provided paperwork on file when we opened our bank accts. for me being her joint owner to this acct. 

When opening my friend 's acct XXXX XXXX the bank associated assigned our joint acct to my mom 's acct. I did not correct it when I had found out, but XXXX 's direct deposit was set up going into moms ' acct. While moms Pension that say ANNUITANT COMM OF PA and I do not think the bank explored this that this is showing her pension being deposited since opening the acct. 

Well, as fate would have it without warning, the bank takes my MOM 's money leaving her with XXXX dollar in the acct. She only gets her pension and social security once a month to spread across medical bills, mortgage, bills, food, utilities, life insurance, and living expenses with dad. 

What I do not understand is, if they saw that XXXX and My mom only have 1 acct. this joint acct. and XXXX has his sole acct. how do you wipe out an acct between two accts that shows he only has {$490.00} ( out of {$500.00} in Mom 's acct ) left in the bank in total? NO consideration to their living expenses or bills or anything! 

That in an of itself is incomprehensible. And for this bank to boast and pride itself on being friendly and family oriented is a straight flat out lie. 

So to this end, they took my moms ' money by which the response to my complaint may be ( like my other compliant ) that XXXX and Me are the ones considered as sole owners to this acct with no trace of my mom being on the acct. And that they still have the right to take money no matter whose it is. And it will be so convenient that they will not have any paperwork that applies to me being moms XXXX  and me opening up her acct. and us being joint on it like they just said in my last compliant when taking the XXXX 's entire paycheck out to cover my negative balances. 

There are no breaks for hard times for the customers who may be struggling, by a bank who is by no means hurting or struggling. There are reasons people are not covering their negative balances as quick as the bank would like, and to not explore those reasons or to see how to assist whether offering resources or options, is crazy. 

Our loyalty to this bank means nothing. And I am floored that they have taken a XXXX woman 's last {$490.00} dollars leaving her with XXXX dollar bill and not practicing or maybe not subscribing to the Lending Code. 

Totally unfair.
PayPal 's User Agreement and other policies prohibits access to my own money in an abusive and illegal manner. They first set a 21 days incapacity to withdraw my money after I receive a payement ( coming from selling on XXXX ) which I understand ( this is for both PayPal and the buyer 's protection, to avoid problems ). But claiming that my " account reported to be involved in possible fraudulent or high risk behavior '' for selling items via XXXX and receiving positive feedback from the buyer is just a way for PayPal to limit my account and hold my money without any valid reason whatsoever, probably to generate interest or conduct any kind of money laundering or embezzlement ... That, I do n't know, but this is what it looks like to me. Everytime I request info about the reason why they placed a restriction on my account and wo n't allow me to access my XXXX EUR ( more or less ), they send an automattic response saying that I represent a risk. I have no informations about this so called risk, I have no money, I have no one to discuss this matter with, I ca n't get a hold on someone else than a robot from PayPal that could/would/should help me. I tried in every way possible to solve this with them, but they deflect and refuse to do so. No activity from my account represents a risk, nothing at all, and they know it, but they keep abusing of a power they do n't even legally have. They are operating as a financial institution with power of seizure, without legal authority to do so and by doing so, they illegally hold my funds, they abuse of their power and also, they breached my trust, as a consumer ( since I 've trusted them with my money and now they wo n't let me have it ). Needless to say, I need my money back ASAP, since they represent my only income. The prejudice that PayPal is causing me is beyond their imagination ( that is, if they even care or think about it ) and I need them to do right by me and the tons of people that are also in my situation ; to act within THE LAW ( not their law! ) and to lift the restrictions on my account and give me my money.
Previous application : Your submission, [ Case number : XXXX ] Received mail this weekend that was apparently sent XXXX, XXXX, from XXXX XXXX XXXX who are restating the facts without answering the allegations. 

Bk Discharge was received in XXXX, XXXX all creditors were listed. XXXX XXXX XXXX, XXXX is now Pursuing me for the Debt, but they say Lien or security interest, when I have not done any business with them. 

They did an illegal transfer of assignment while in BK court, have not answered the previous complaint to this Bureau or my concerns. Brought them into BK court again, for sanctions and violations. The Case was dismissed on XXXX XXXX, XXXX. 

XXXX XXXX XXXX, XXXX and HSBC are Servicers acted as Debt Collectors and never proved, verified anything except a copy of the Note and Mortgage that was NEVER signed to them. These criminals seem to be making money over and over violating the rights of man and woman and displacing families with no authority. 
This claimant is asking for a higher Authority to make them verify and prove there allegations. Especially when the Note and Mortgage travel together. Their proof is sending the Note and Mortgage/Deed over and over. Proving more and more that their names are not parties. 

Claimant proven over and over that XXXX is only Nominee and has no authority to assign and transfer. 

Now, I am faced with Eviction for a discharged Debt. XXXX XXXX XXXX, XXXX is not a Creditor. XXXX XXXX was operating under another Trust which was closed XX/XX/XXXX. Now, they are operating under another Trust and I am the only one asking questions. 

HSBC did not have interest so, how could they pass interest to their family XXXX XXXX XXXX, XXXX Why does the fraud end. 

Liens are security agreements and do not carry a monitory amount with it. They are separating these documents and illegally going against the FDCPA and the UCC without proving anything. 
Now coming after my property without proper verification. 

HSBC could not prove XXXX XXXX XXXX, XXXX XXXX prove because they are a servicers XXXX XXXX alleged Trustee is using another private Trust XXXX MASTER PARTICIPATION TRUST. instead of the XXXX XXXX ASSET BACK TRUST ( original ). 

At no time have either parties proven anything, through their alleged attorneys XXXX XXXX and now XXXX XXXX, XXXX.
In XXXX XXXX, fraudulent attempts were made to access my existing credit card accounts ( unsuccessfully ) and to open new accounts ( unsuccessfully ). At that time, I placed security freezes with all XXXX credit bureaus. In XXXX, XXXX, XXXX of the XXXX bureaus ( Transunion and XXXX ) temporarily released the freezes to a fraudulent person. That person subsequently fraudulently opened XXXX credit cards in my name and then attempted a change of address on both cards. There is no mechanism in place for the credit bureaus to confirm identity ( other than the previously issued PIN ). A phone call to a phone an existing phone number in my credit file would have prevented the freeze release. Transunion released the freeze even though a credit card that was not mine was used to release the freeze. That credit card used is not on my credit report and the phone number used to release the freeze is also not on report. Transunion DID provide me with a new PIN after the fraudulent release AND it will ( supposedly ) now require a fax of identifying information prior to releasing a security freeze as well. XXXX released the security freeze even though the call to release the freeze was disconnected prior to getting any credit card to secure the release. XXXX then refused to issue me a new PIN without creating a new security freeze for an additional fee! So with XXXX there is still no mechanism in place to prevent the fraudulent person from again releasing the security freeze.
My savings account at Umpqua bank was switched into an employees name. This employee was XXXX XXXX and was my girlfriend at the time. XXXX forged my signature card and transferred the account into her name. I was unaware of this until we later broke up and my account was no longer accessible to me. I suffered a loss exceeding {$7000.00} from this fraudulent act.
DOMAININDICATOR : COL ATTACHMENTSIZE:0 ECI:XXXX PCUSTSEG : PHP PRODTYPE : RBG SMPODID : XXXX CIPDOMAIN : XXXX PRODUCT CODE:XXXX SUB PRODUCT CODE:XXXX ACCOUNT NUMBER : XXXX SERVICE FEE DATE:XXXX SERVICE FEE AMOUNT : {$340.00} I am going through financial hardship. I have been Charged XXXX in insufficient fees begging on XX/XX/XXXX. I can not control the ACH debits from other financial institutions because thats how they do business. When it hits I get charged XXXX every-time.There is nothing I can do and Im paying these fees that I have no control over. I dont have the funds to cover the ACH in the first place and getting charged over and over in one months time to the total of XXXX is usury. When I call in to customer service they say there is nothing that they can do. I need help!
I have filed two complaints with documentation against Santander Consumer ( please refer to XXXX and XXXX ). Santander has not provided full and specific answers requested in the prior complaints, hence my current complaint. This process is a farce because Santander 's responses to CFPB complaints is not reviewed or evaluated by CFPB for accuracy and completeness. Thus, CFPB only serves as a point of contact for Santander and the complainant. Hardly helpful when Santander is a rogue organization flouting the law and good business practices. Therefore, in response to this complaint I request that Santander provide the correct department, address, etc. to whom they want a draft copy of a Federal Court Complaint to be delivered. This lawsuit will set forth the facts included in the two prior CFPB complaints, the responses by Santander, and the specific relief sought in the action. The response to this CFPB complaint will be included in the record of the pending Federal Court action. It is regrettable that the CFPB is not better equipped to protect the public from financial misdeeds by bad actors like Santander, whose record of abuse is well documented. This is just another instance which has not seen the light of day, but that will change.
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Date of Birth : XXXX XXXX Social Security Number : XXXX There is a tax lien on my credit report with XXXX and Transunion that should not be reported. I have attached the documents showing paid. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
ANY CREDIT CARD THAT I HAVE THAT IS SERVICED BY SYNCHRONY BANK ALWAYS INVOLVES STATEMENTS THAT ARE NOT MAILED, LATE FEES, AND BOGUS INTEREST ADDED TO MY ACCOUNTS I RECENTLY HAD AND REPORTED AN ISSUE ON MY BP ACCOUNT. I FULLY PAID THE BALANCE AND CUT UP THE CARD BECASUE IT WAS SERVICED BY SYNCHRONY. I HAVE WRITTEN LETTERS TO BOTH BP AND VISA TO LET THEM KNOW THAT SYNCHRONY IS DAMAGING THEIR BRANDS WITH POOR SERVICE AND CHARGING FAKE FEES. NOW THE SAME THING HAS HAPPENED WITH MY WIFERS JC PENNEY CARD. TO MY SURPRISE WHEN SHE CALLED THE JC PENNEY NUMBER ABOUT ANOTHER ERRONEOUS LATE FEE, SHE WAS ADVISED THAT SYNCHRONY HAD TAKEN OVER SERVICING. I HAVE NOW PAID OFF THAT CARD AND CANCELED THE ACCOUNT. I WILL NOT DEAL WITH SYNCHRONY AS A SERVICER. MY FICO SCORE IS PRISTINE AND I HAVE NEVER HAD ANY ISSUES WITH PAYING BILLS UNTIL SYNCHRONY TAKES OVER SERVICING. PLEASE INVESTIGATE. FOR EVERY NOTE YOU GET LIKE THIS, SYNCHRONY IS RIPPING OFF UNWITTING, AND UNSOPHISTICATED CREDIT CARD USERS. THEY ARE ALSO LIKELY SCREWING UP USERS FICO SCORES. TO BE FAIR THE REPS ON THE PHONE ALWAYS REVERSE THE LATE FEES SO THERE IS NO FINANCIAL LOSS. MY CONCERN IS HOW MANY OTHER CONSUMERS THEY ARE RIPPING OFF WITH THEIR MAILING AND POSTING PRACTICES.