WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX XXXX, a minority woman who has recently gone through a financial hardship due to a medical issue hereby state on the record : 1. I was on workmans compensation right after my initial injury in XXXX of XXXX. 
2. I used the rest of my savings for a time-period to maintain my mortgage payments. I them filed for a Chapter XXXX bankruptcy petition where I simply could not keep up with the payments. 
3. I filed for a mortgage modification on XXXX XXXX, XXXX, after a lengthy conversation with a Wells Fargo representative. A copy of the initial filing is attached. 
4. After that date, Wells Fargo never responded back to me. 
5. Since that filing, I am now back to work full time, and I can pay my mortgage every month after a modification is approved. 
6. This past week I received a notice that my home was scheduled for foreclosure XXXX XXXX, XXXX. 
7. This is unfair as I was never served with a complaint of foreclosure, was protected of any filing as my Chapter XXXX was just dismissed, and I was protected under the US Bankruptcy code while the Chapter was active. This is a violation of my rights under the Fair Debt Collection Practices Act, as well as the US Bankruptcy Code. There was never a foreclosure complaint served to me personally. 
8. Now I must file an action in federal court to purge this action, and I am still in activity with Wells Fargo. 
9. I need this complaint to be filed with the Consumer Financial Protection Bureau, as I am a consumer in the United States, a citizen that is having her rights violated, and a member of the minority community that feels that her race is a factor that law firms can take advantage of, in addition to Wells Fargo.
10. I am now healthy, and ready to start making payments on a modified mortgage. 
I request immediate action so that I can fulfill my obligations, and keep a roof over my head for my children and grandchildren. I am asking for no handout, just my rights under federal laws. 
XXXX XXXX
In XXXX, I had inquired about consolidating my student loans with The Student Loan Help Center. My student loans had went to default and i was afraid that I wouldnt be able to get them out of default. So i called this company The Student Loan Help Center. They made me feel like they were going to help me get my student loans out of default. They ask for a payment upfront of XXXX dollars. I didnt have all of it at the initial conversation. So i paid XXXX dollars intially and setup XXXX payments for 2 months of XXXX dollars. I was very hesitant about giving them the money. But, they reassured me that if i was not happy with the service i would get my money back. I realized later on in the month that i was dealing with XXXX companies. They had to send my information to another company for processing. So which that would make them a 3rd party. So, periodically I would call The Student Loan Help Center to check on the status of the consolidation process. But, everytime I call they would tell me that everything was going fine and i should hear something back in XXXX. But, that was not true, it was not okay, because they sent me a letter XXXX XXXX, 2016, stating that the consolidation process needs to be reinstated please contact their office. So when i spoke to their Representative XXXX, he had to put me on a conference call with XXXX XXXX. I was angry that they did not let me know that this had happened. I done some research and found that my consolidation has been this way since XXXX. They never thought about notifying me about this matter. The Representative lied to me about this matter. I also had a chance to speak with a Manager XXXX, today he was very arrogant and threaten to take me to collections if i canceled with them. I asked them to provide me with a invoice copy of services. In which would in detail explain what the money was used for. He quickly explained that they do not have to provide that statement to me. I really felt like i got taken advantage of. I would really like to have this company investigated for fraudulent activity and obtaining documents without having a license to do so.
When i was XXXX XXXX XXXX I opened up my first student account, in school they never thought us how to use a bank account and my parents also i runned away from home at XXXX to move in with a boyfriend so nobody really told me how to manage a bank account I was young and XXXX was not in the right mind i was very irresponsible I did not have the knowledge I do now I want a second chance even though it might not work like that but i have a stable job now I am way more responsible now that I am XXXX XXXX XXXX I will not make the same mistake i did when i was younger Now that i am this age I want to get an apartment but they say no due to my credit score which i do not understand because i never had a credit card The only thing is i had a chase student bank account and i left it negative XXXX something i paid it 2017 but i did not know it will mess me up in the future I just want a second chance at this start off clean if that is possible
I received  a Home Affordable Modification Program mod ification on my 1st loan with  XXXX . I was told since I have a 2nd mortgage wi th Citi  Mortgage I would receive the  2MP  modification for my second loan with  Citi bu t I never received it. I contacted Citi mortgage multiple times and asked my Point of Contact where these documents were, they said to wait and it would come in the mail. I waited months and still have n't received m y 2MP modification on my 2nd mortgag e. I was approved for the HAMP program with  XXXX  in  XXXX  of   XXXX   and it 's almost been a year now and I still have n't received the documentation for my automatically mo dified 2MP on my 2nd mortg age  with Citi. I would appreciate some explanation on where my 2MP modification is and when I will receive the documents. Citi mo rtgage has failed to do what they said they would do. They said since I got the HAMP modification on my first mortgage they were mailing my approval for a  2MP and I never received it. WHAT IS GOING ON!? I have also done research and on the HAMP website it says I qualify for a 2MP a utomatically. I would appreciate some help, thank you.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .
I have been working with Ditech to complete a loan modification since XXXX of XXXX. Since then, we have been calling in to get status updates weekly. Since XXXX of XXXX we call in and we are advised that " the file is in review ''. When we finally called back on XXXX XXXX, XXXX, we spoke with XXXX in their Loss Mitigation department and he looked deeper into the status of the account. At that time, he noticed that the file had never been submitted over to the Loss Mitigation department and the department I had been talking to was the Collections department. He advised that they are not even supposed to be providing status since they are not able to view the same notes. I have now wasted months with inaccurate information. XXXX did advise that he was going to have the file escalated to a Supervisor immediately and I would get a call within 48 hours. Today when I called, they advised that there had been no response to the escalation after being hung up on twice. At this point, I feel like I may lose my home due to their negligence. I need your help in stepping in. Please, i do not want to lose my home.
Between XX/XX/XXXX and XX/XX/XXXX, a period of over 3 months, a XXXX XXXX XXXX, mortgage originator, XXXX XXXX, handling a conventional cash out mortgage refinancing, undertook that refinancing at XXXX XXXX. During that time XXXX XXXX, NMLS Number XXXX, made repeated intimation that the mortgage application had been sent to processing, was processed, and all that was waiting was an appraisal. We waited over 2 months subject to such intimations for an appraiser to arrive. Thousands of dollars of cosmetic work was done to the property. Late XX/XX/XXXX, it was disclosed that XXXX. XXXX XXXX did not ever send the request for an appraisal. Then, it was subsequently disclosed by a party purporting to be XXXX. XXXX XXXX XXXX " supervisor, '' a XXXX. XXXX XXXX, NMLS Number XXXX, that XXXX. XXXX XXXX had n't included XXXX XXXX dollars to XXXX XXXX dollars of oil and gas properties owned by the applicant on the mortgage application, all documented assets owned per XXXX 's, leaving the debt to asset ratio affected, complicating the mortgage application. <P/>During the entire time, the DPOA for the applicant, a political person, one of the largest in the jurisdiction in question, XXXX XXXX, and XXXX XXXX XXXX XXXX, and the applicant 's son, was repeatedly questioned about his business activites, the XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX 's own XXXX  XXXX in Montana, or that of her family, along with his associations with the Donald John Trump Leadership Conference and XXXX XXXX XXXX XXXX, and the XXXX XXXX of the United States. When XXXX. XXXX XXXX 's conduct came to light and her supervisor 's contact information was requested, XXXX. XXXX XXXX texted from her private cell phone " She just really wanted to find a solution '' to bar involving her supervisor. <P/>Then, in XX/XX/XXXX, someone at the bank reversed a mortgage payment for reasons yet to be disclosed by the bank, seemingly aiming to damaging the applicant 's mortgage application from a malicious impulse rooted in political animosity along with general personal animosity. After the matter was brought to the bank 's attention -- That respective matter was reversed curing that immediate matter. <P/>At this time, the bank in the person of XXXX XXXX, is refusing to account for his colleague 's conduct, the bank 's politically motivated subversion of a standard mortgage application, and is refusing to account for millions of dollars of assets, real property oil and gas interest, which do not appear on the application as processed by XXXX XXXX to the bank 's mortgage processing division. <P/>The applicant 's DPOA has been threatened by XXXX XXXX, hung-up on, and suggested to go XXXX himself : XXXX. XXXX XXXX acting to serve the interests of his colleague as opposed to interests of the bank and the bank 's client subject to the legal rights and protections of the bank 's client.
To Customer Service Team From XXXX XXXX Account XXXX XXXX/XXXX/2016 I am notifying BARCLAY in writing on XXXX/XXXX/2016 XXXX PT -- I took out a balance transfer which is now due for payoff on XXXX/XXXX/2016 in the amount of {$1000.00} ( XX/XX/XXXX ). I am being told instead of being able to pay off this amount directly, BARCLAY will apply my intended payment to the amount balance due on my NON-BALANCE TRANSFER purchases. BARCLAY is punishing me financially for continuing to use my card for additional purchases and PREVENTING me from complying without penalty to the BALANCE TRANSFER transaction. This is equivalent to loan sharking and consumer fraud. BARCLAY puts me in a position to be liable for interest I am trying to avoid by paying off the BALANCE TRANSFER amount early/on time. If this is not corrected, I will cancel my account and I am also notifying ALL Consumer Credit Agencies of this practice of penalizing consumers who want to pay their debt in a timely manner
I had my pay check of {$530.00} check # XXXX direct deposited to my RushCard on XXXX/XXXX/15. I received my actual RushCard on XXXX/XXXX/15 and activated it. On XXXX/XXXX/15 my account reflected the my funds available to me in my account. On XXXX/XXXX/15 {$530.00} ( my entire check ) was deducted from my account as a " Processor credit reversal '' transaction ID XXXX. I have called every day since XXXX to resolve the issue and keep getting the run around. I have spent countless hours on the phone and when I finally get a live person, they hang up on me. On XXXX/XXXX/15, I was finally able to get a live person on the phone and they were working to fix the error and credit my account back the missing money since the funds were taken out in error. I was told it would be fixed in 24 hours. Today is XXXX/XXXX/15 and I still have not received my funds. I have still continued to call every day and I am told they will fix it within 24 hours, but they still have not returned my funds. This is creating great financial hardship for me as I am not about to pay my bills or buy my daughter what she needs. They have essentially stolen my entire paycheck from me and no one is doing anything after seeing this was an error on the processors part. I need your help to please quickly resolve this matter.
My debit card was fraudulent use on XX/XX/2018. {$700.00} and {$800.00} was stolen from my atm card. I called BOA the next day I check my account, bank of America cancelled my card and issued another one and I was told they will investigate it and they will refund me in 10days if they didn't finish their inveatigation.

Apparently the thief/thieves also tried using the same card at well fargo but the transaction was declined, according to the customer agent I spoke with.

Next day I saw {$2.00} debited from my account, I called BOA and the agent told me the same card was used to check account balance at other bank, immediately {$2.00} was refunded back yo my account.

On the 10 day I was suppose to get refunded, an agent from BOA called asking me just 3 questions that " do you have the card with you on the day of the fraudulent charge, do you give you atm card to anyone and lastly did you give your pin to anyone ...

The next email I got after 20mins from BOA is the claim has been resolved and claim was not paid. 
I was shocked because this so called bank did not investigate the claim. 
My hard earned money was just gone like that? If bank is no more safe to keep my money I'd rather save my money at home. 
I already filed a small claim suite and hoping to get back my money.
I have many unauthorized ATM transactions on my checking account. I filed a dispute with Citibank. The person I was supposed to contact was never in when I called, and vice-versa. We played phone tag and then she apparently just gave up. My claim was denied because of this, over {$3000.00} of bogus charges. My days are often spent in the hospital for treatment and I 'm not usually around during normal hours. Also, I 'm XXXX and have to rely on XXXX XXXX. It 's frustrating to use. Now, the lady I was supposed to contact ca n't be the only person in all of Citibank that can help me. She could at least tell me what she needs from me so I can send it to her. I want this resolved!
My name is  XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX , NJ  XXXX , we bought our home in  XXXX   XXXX  and the home needed extensive work which we did to make it our home. I am a   XXXX   XXXX   XXXX   and my Husband is a  XXXX   XXXX , we dont make a lot of money but we always paid our bills on time and prided ourselves on our perfect credit scores. It was around  XXXX  when we were having difficulty with money and struggled each month to pay our mortgage but we paid even if it was a little late until  XXXX  when I made a partial payment, they sent back my partial payment. I had called Bank of America many times and asked for help but they told me that because I was not delinquent on my mortgage that they could not help me, they then said not to pay my mortgage so that I can get help and receive a modification. I didnt know what to do at the time and I tried to borrow money but I had no luck with that, as it turns out I went into defaul on my loan. At the beginning I was receiving phone calls but I didnt speak with anyone out of embarrassment for my situation and then when I finally spoke with someone I had told them that I was receivng a commission check in  XXXX  and that I could pay most of what I owed and again asked for a little help but that never happened, I was told that I can make a payment and then be considered for a program but then they inforrmed me that my payment of almost {$8000.00} was not enough. I then started to work with a few reps at the bank which were less than nice and understanding until finally they gave me someone who cares. I was finally going to get a modification on my loan, after waiting for several months and hoping that I could get a modification they denied me last week. They had told me to go for a short sale, I dont want to sell my home, I want to pay and keep my home. I am also trying to get help from the State of NJ who has a few programs that I will be considered for. I am so fed up with Bank of America, all I wanted was some help to get me through some hard times but they dont care about the consumer. I thought that when they told me DO NOT PAY YOUR MORTGAGE so that you can get a modification I believed them. M y Husband and I are going through a very hard time mentally try to absorb what is happenig to us and we need  some help.
" Midland Funding , LLC '' is a heavy handed collections company that " buys '' bad credit card debt for pennies on the dollar and then aggressively pursues the debtor. 
Since my ex husband was not taking care of his half of the debt, after the divorce, I decided to hire an attorney to help me negotiate his half since it was still affecting my credit. 
At the time of the negotiations, " Midland Funding '' only presented 1 account to my attorney. It was negotiated out of court and paid as agreed, even though the statute of limitations had past and they could no longer go after me legally. I really just wanted to clear up the damage on my credit that my ex husband had caused. 
Then, a few weeks later, I started getting calls and letters again concerning 2 additional accounts that they had also purchased at the same time as the settled account. The problem is " Midland Funding '' was/is required and should have presented all collection accounts they had in my name. They failed to disclose all accounts not only to my attorney but to the courts and the Judge. 
This all took place about a year ago and they are still contacting me by phone and by mail, even though they know my attorney, first hand. I calmly direct calls to my attorney and have turned over the letters to him. 
I do not want to take them to court. But I will if that 's what it takes for them to follow the law and rules of the courts. I really just want the calls and letters to stop or be redirected to my attorney. And if I am understanding the law, it is illegal for them to pursue me and to still report the other XXXX accounts on my credit report since they failed to submit all XXXX accounts at the time of negotiations and settlement. 
Thank you for this format to allow consumers to report illegal behavior.
Im an XXXX XXXX owner and did received a fraudulent email which was pretend to be XXXX but what a scam. 
I did submit all information such as social security number, current address, maiden name date of birth, and full name. 
Also a credit card information, number and security number, although I did contact my bank and block credit card.
I settled my LL Bean Visa Acct XXXX debt with Barclay 's Bank by two electronic payments with a total of {$1900.00} pursuant to an agreement dated XX/XX/XXXX. In XX/XX/XXXX, a lawsuit was filed against me by Barclay 's Bank in XXXX ( MA ) District Court seeking full payment of {$4100.00} and failing to account for the settlement or even for the payments of {$1900.00} made in XX/XX/XXXX. I called the bank and spoke to a XXXX who told me they have no record of the XX/XX/XXXX settlement.
Purchased of {$15000.00} to XXXX XXXX  on XX/XX/XXXX with an American Express Card. 
The FTC has filed suit in Federal court and shut down XXXX XXXX and all of their phony affiliates on XX/XX/XXXX, due to fraudulent practices, resulting in an interruption of services for the service we purchased. XXXX XXXX violated the Federal Credit Billing Act codified 15 U.S.C section 1601 Truth in Lending Act that protects consumers from unfair billing practices. 
Many calls to American Express to find a solution to get down APR when I did not know it was a fraudulent practices. 
Transfer account to a new credit card with XXXX  XXXX XXXX - suggestion of American Express. I call on XX/XX/XXXX to American Express to let know I have this situation of spam and they tell me they can not help at this time, because they do not see the purchased on the computer system.
Gurstel Chargo has committed numerous FDCPA violations related to a dunning letter sent to consumer dated XXXX XXXX, 2015. In the letterhead of the 'dunning ' letter Gurstel Chargo claims to have offices located in Nebraska . Checking with the Secretary of State 's Office, no licensed collection agency by that name exists. Furthermore, the letterhead represents Attorneys at Law but has a 'disclaimer ' in the body of the letter that states : " At this time, no attorney with this law firm has personally reviewed the particular circumstances of your account. '' - If an agency incorporates the use of form collection demands on attorney letterhead the agency MUST incorporate " meaningful attorney involvement '', into its collection process. 15 U.S.C. Section 1692e. These are just a few violations regarding a dunning letter sent to consumer dated XXXX XXXX, 2015. 
Consumer will file a federal and state lawsuit against Gurstel Chargo for violations of the FDCPA, FCRA and TCPA if Gurstel Chargo continues to contact consumer by mail and/or telephone after receipt of dispute notification. Consumer wishes Gurstel Chargo to 'cease ' all contact with consumer as consumer does not owe a debt to Gurstel Chargo . Consumer has no fiduciary, contractual obligation to pay Gurstel Chargo anything. There is no payment history, nor products, or services that have been rendered to Gurstel Chargo, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of -household and possesses no property of value. Consumer 's federally protected income presents a 'genuine issue of material fact ', that will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will 'tender ' as evidence in a court proceeding if Gurstel Chargo pursues this matter. Consumer refuses to be a victim of 'unjust enrichment ' or extortion. Consumer thanks CFPB for providing this venue as documentation.
I was not allowed to open a bank account at XXXX because of Early Warning Services. ( EWS ). I requested EWS to send me my report with them at the beginning of the year ( XXXX ) but they did not do this. 

I called them again today and they refused again.