WillisBack/dataset-financial-user-claim huggingface dataset:
See Prior CFPB Case # XXXX SETERUS - Fraudulent and bad faith lending practices. Fraudulent foreclosure. Misrepresentations in lending. 
In XXXX, my mother passed away and I inherited her condominium located at XXXX XXXX XXXX XXXX, XXXX, California XXXX. As the estate was finalizing, the Lender was transferred from XXXX to XXXX ( see prior complaint against XXXX ). After multiple 'lies '' by XXXX and bad faith, XXXX then transferred the Loan to Seterus in XXXX which required me to start the process over of assuming a loan. Seterus, throughout the process, has misled me, committed fraud, backdated letters sent to me, indicated they sent letters which were never sent and are attempting to 'steal ' a property and I am doing everything possible to assume. They have set a foreclosure date of XXXX XXXX, XXXX so that matter is urgent! I am providing extensive documentation of my communication with XXXX and Seterus and their bad faith and fraudulent lending practices. Where is process now? After being told by Seterus on multiple occasions that a Loan Assumption Packet was complete ( originally completed XXXX XXXX, XXXX ), Seterus is now requiring a new packet. I received XXXX letters from Seterus this past weekend XXXX XXXX XXXX, XXXX ) which indicated the loan was " in process ''. I had spoken with XXXX XXXX of Seterus on XXXX XXXX, XXXX who indicated my Assumption packet was complete with the exception of a utility bill and an address. I immediately faxed the requested information ( attached ). Thankfully, I phoned Seterus today ( XXXX XXXX, XXXX ). I spoke with XXXX XXXX who informed me that XXXX XXXX was incorrect and an entirely NEW Loan Assumption packet was needed. This was the first time I was informed as such. It is clear that Seterus and committing fraud and bad faith and attempting to steal my property. At all times, I 've tried to pay the mortgage and assume the loan, but Seterus continues to misrepresent the status of my assumption packet in an effort to sell my property. This is my home and I want to keep this property. Please read prior Case # XXXX. 
I have now initiated at least 8 phone calls with Seterus and am basically lied to or mislead in every call. As an attorney myself, I 've never encountered such fraud and bad faith. Please help. I 've done everything I can to assume this loan and the predatory lending practices by Seterus will not stop.
I have OCWEN Mortgage Servicing on my loan # XXXX In XX/XX/XXXX I filed for XXXX XXXX # and as XX/XX/XXXX it has finished Throughout the BK-XXXX Ocwen never sent me a statement I called a complained every month- to get confirmation on my payment Sometimes they would hold the payment more than 25 days I called a lot- Now that the Bankruptcy is discharge and finished - In XX/XX/XXXX Ocwen said I had been one month behind with another Servicing company- from that time I am now THREE MONTHS BEHIND every months its now XX/XX/XXXX- and keep making timely payment- even at a higher amount per their request- Last month I made TWO payment on for {$2800.00} the Contact Agent said to get caught up quicker send in another {$560.00} and it would make another payment as there is a Suspended Balance ( CREDIT of $ XXXX I make the Payment Collection calls every other day they can not find the payment or when I show it to them they say that is only a partial payment no a full payment That term with - XXXX ID # XXXX I can no longer get ahold of this contact XXXX- XXXX XXXX $ XXXX XXXX-/// -- -paid by wire transfer- # XXXX That pays for a Shortage?? In XX/XX/XXXX Payment- XX/XX/XXXX XXXX XXXX ID I transfer {$560.00} with XXXX on XX/XX/XXXX to The OMBUDSMAN XXXX XXXX XXXX TALK XXXX has been contacted from XX/XX/XXXX since I ( they tell me ) I am short one payment in the Bankrupted- now I am three The document 's that XXXX XXXX send to me are never the same - and the Collection Department never gets the information to stop calling me- What needs to be done is for an outside FIRM like yourself to help and assist me with Ocwen they have had the upper hand for way to long and I need some help now- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX
Collection company insists that I have a debt from 2007 for an XXXX. Debt is supposedly {$2000.00} and they first started calling me a month ago. I have never had a XXXX.
I bought XXXX {$500.00} Gift card issued by U.S. Bank National Association at XXXX 's in XXXX, CA in XXXX. I still have the physical card, original receipt. I planed to gift them to my friend for his birthday. When I checked balance before I gave them out in XXXX, They were showing less than {$20.00} on each card. Some XXXX made purchased in XXXX, Rhode Island. I have never been there and I have my cards all the time. I called customer service, a rep shut down my account and my account was under investigation. I called them back in XXXX XXXX, the operator said my case was still in investigation and there was no time frame and there was no guarantee that I would get my money back. I am worried because {$1500.00} is a lot of money. Then I started to do research online. I found out there are a lot of gift card fraud in XXXX California and US bank has very bad reputation. Some victims waited 7 months but No one got money back after investigation. 

There are a lot of victims out there like me. I attached a blog link XXXX XXXX
After much time spent with this company on the phone and e mails, trying to force me to borrow more than I wanted too, we finally came to an agreement on a mortgage. At this time a closing was scheduled and kept on XXXX/XXXX/2017. 10 days after closing they called me and said they never received the mortgage papers and did not know where they were or what happened to them. At this time I did what I could to protect myself and stopped payment on the check I had gave to the person they hired to do the closing. Since this time they have continued to call me numerous times per day trying to force me to continue with the mortgage. This has been going on for over week now to the point of harassment. Now tonight XXXX/XXXX/2017 the escrow company called and informed me they went ahead and deposited the check any way knowing I did not want to do business with them or loan depot. This has got to be the most devious and unprofessional business practice ever perpetrated against someone. I hope this information is published so others will not have to go through the deception, harassment, and devious games this company plays.
I have been trying to get current on my mortgage ( serviced by Seterus ) but the arrears became seemingly insurmountable. I was advised by the Seterus customer service team to apply for a loan modification to mitigate the potential loss and retain my home. I was not offered any other options. While the loan was under review for the loan modification, it was also scheduled for auction ( " double-tracking '' ). 

I was notified by the customer service rep I spoke to on Friday, XXXX XXXX that my loan modification was denied. To date, I have received nothing in writing stating the denial. ( It is only because I have called Seterus daily that I have any insight as to the status of the review for a loan modification at all. ) At no point was I ever given the opportunity to explore all loss mitigation options beyond the loan modification. Seterus never advised me of all my options to avoid foreclosure. 

With the auction date set at XXXX XXXX, and never having even been given the opportunity to explore any loss mitigation options other than the loan modification, I spoke to and emailed a loss mitigation manager to request a 60-day postponement to the auction. This will allow me the time I need for a short sale to mitigate the loss. I have a listing agent who is willing, ready, and able to put my home on the market and execute the sale in a timely manner so my family and I don't face foreclosure. The loss mitigation manager said it was " unlikely '' the auction would be rescheduled. 

I would like to fully exercise any options available to me to avoid foreclosure and feel I haven't been given the information or time that I need in order to do that -- having just found out about the denial of the loan mod just 8 business days before the auction date of XX/XX/XXXX.

Can you please assist in this matter? I would like to explore my  options and take steps quickly for the short sale. Seterus has not been forthcoming with important information that could potentially prevent the loss of my home to foreclosure. I request an additional 60 days for the opportunity to appropriately explore loss mitigation options. 

I appreciate any assistance you can offer. 

Sincerely, XXXX XXXX XXXX
FCI Lender Services , Inc constantly threatens to foreclose on my property. XXXX XXXX XXXX owns the second deed of trust on my property and has hired FCI Lender Services , Inc. I tried to do a loan modification with XXXX XXXX XXXX but was unsuccessful because they keep moving the loan to different services. I tried unsuccessfully with the past services to do a loan modification. On XX/XX/XXXX through the US Bankruptcy Court case # XXXX, I was discharged of my debts under Chapter XXXX ( including the second deed of trust ) under section 727 of title 11 US Code ( the Bankruptcy Code ). On XX/XX/XXXX, FCI Lender Services sent me a  letter " to help you avoid foreclosure ''. To " avoid foreclosure proceedings '' I must pay {$42000.00} by XX/XX/XXXX. On  XX/XX/XXXX, I received a priority Mail Express slip from the USPS from this debt collector. This is just two examples of the many threatening letters I receive from them. At the end of the letters it states, " if you have received a bankruptcy discharge, this letter is for informational purposes only and it is not an attempt to collect a debt ''. The letters are very threatening compared to the other debt collectors XXXX XXXX XXXX has used in the past.
I have a rushcard. I have n't had access to my funds for 12 days. On XXXX my direct deposit of {$1900.00} from my employer posted. However- rushcard has posted it to my expired card. I have been a customer for 3 years. When your card is near the expiration date, you are automatically issued a new XXXX. I received it in XXXX, activated it and had been using it. Then their system went down. When it " came back online '' all of a sudden it would n't recognize my new card number and will only recognize the old expired card- which I ca n't use because it is expired. It 's basically like my new card does n't exist and I have called over 30 times. When they do n't hang up on me they tell me they ca n't access my account. I do n't have food or gas and I need to pay several bills. Also some automatic payments for my bills are being declined because the companies ca n't access the money.
Repeated calls with the intent to harass. This company is calling about a debt I don't know or owe. Requested proof of debt, never received. They reported the debt to my credit report tarnishing my report.
I am in receipt of my XXXX credit report number : XXXX, dated XX/XX/XXXX, and I noticed Macy 's, ( XXXX XXXX XXXX, XXXX, OH, XXXX, ( XXXX ) XXXX ) placed an unspecified inquiry dated XXXX XXXX. I have existing accounts with Macy 's and did not request the following ; 1 ) open a new account 2 ) complete or request an application for a new account 3 ) place a request for an increase of line of credit on existing accounts. 
Therefore, under the FCRA Macy 's had no validate reason to place an hard inquiry on my consumer credit report and refused to delete said inquiry until XXXX. 
I believe Macy 's is engaging in XXXX profiling and intentionally using techniques designed to lower the credit scores of minorities. In XXXX, I filed and complaint with CFBP against Macy 's for failure to report my accounts with the XXXX credit bureaus which lowered my credit score. Macy 's intentionally placed an hard inquiry on my XXXX credit report as an retaliatory action in addition with the sole purpose lowering my credit score.
In a notice dated XXXX/XXXX/16 the collection agency falsely asserts that I have an outstanding delinquency. Moreover, the notice makes the patently false statement that " Previous notices ... have gone unpaid and remain delinquent ... '' The accurate information is that I prepared a comprehensive written contest to the fine and I received a written response in reply stating that it was referred to the hearing officer and that there was nothing further for me to do at [ that ] time. There was no subsequent correspondence or contact from anyone until receiving this XXXX/XXXX/16 collection notice. I am not even the registered owner. This is a fraud on the part of the collection agency.
I contacted Transunion through a 3rd party that they were not reporting my XXXX XXXX credit card properly and the amount listed was wrong. Transunion took the card off my account and did not correct the problem when contacted they said they can not put it back on my account because I was a secondary user. This card I have been used for over 6 months and have been paying the bills on it. When I contacted XXXX XXXX they said they gave it to Transunion and Transunion refused. This has affected my score, while other bureas have me at XXXX, Transunion has me at XXXX which is terrible. I want them to correct this and put the XXXX XXXX card back on my credit report
Failure to deliver funds for an emergency I transferred a sum of {$1400.00} to an XXXX account. Remitly has failed to keep with the promised delivery date and time. This has caused me a significant loss due a failure to pay off a financial commitment and pay for a medical family emergency.

Also, I wasted a lot of time on phone calls to Remitly to understand and find a solution to this problem. So far the fund has not been delivered.

I would not recommend Remitly. Remitly 's staff were also unhelpful and discourteous. I no longer need the money in the recipient account as there is no use for that money now. But Remitly is not agreeing to cancel the transfer and refund the money to me.
XX/XX/2018 I contacted Equifax via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.
On or about  XXXX   XXXX ,  XXXX , I opened a business account wi th Citibank.  I filled out all of the paper work th at Citi req uired. I have had no issues with the bank until  XXXX   XXXX ,  XXXX , when without notice they closed my account and withdrew {$10000.00} out of the account. I place a call to the branch to find out what happen as I though my account was hacked. I was informed that because of the fact that the bank was missing some paper work they closed the account and would be mailing me a check. I requested that the account be reopened immediately and that the money put back into the account. I was told that they could have the account opened the next day but that they could not redeposit the money. The bank went on to say that they were not able to put a stop payment on their own check. When I asked how my company was to pay its bills, I was told - I do n't know and there is nothing we can do.
I have a mortgage with Citi-Financial and have not seen a principal reduction in over 2 years even though I pay my Mortgage payment every month. They tell me it is because I pay late but I can not understand why I have to pay 100 % interest.
Greetings, I have previously contacted XXXX, XXXX, and Equifax informing the company that I have been a victim of identity theft/fraud. XXXX, XXXX, and Equifax are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, XXXX, and Equifax to follow the law, they clearly feel as though the law does not apply to them. 

Remove the Derogatory account and all inquiries Please and Thank you
after many calls and harassment towards myself and calling family members this account holders is taking things too far even the account is not mine need it removed from my credit report asap!
I received a Credit Report from Experian on X/XX/2017. There are multiple unauthorized requests for my Credit History I contacted Experian and requested they investigate and eliminate inquiries and they refused
I was asked to obtain a money order as a deposit to rent property. I obtained the money order in the requested amount from XXXX and submitted to the real estate agent for XXXXXXXX XXXX XXXX. I wrote " XXXX XXXX XXXX '' on the money order. Thereafter, the lease fell through. The agent returned the money order. I have since taken it to my local bank, spoken to my on-line bank and the XXXX at the same location of purchase. I have the money order and the receipt in my possession, and the payee is in my handwriting. 

XXXX advised that vendors are not permitted to accept returned money orders. They referred me to the Western Union website and the XXXX telephone number. The number is a recorded line and there is no option for an agent. 

Basically, I have {$500.00} tied up in a worthless piece of paper, and I want my money back now. Western Union voice recording requests {$15.00} to be paid in advance to them to " refund '' a money order. That is akin to a stop payment on a check, but I have possession of the money order. The {$15.00} fee was never discussed prior to obtaining the money order, nor was the length of time to obtain a return of my funds. 

How can I get my money back without further expense or additional time?
I would like someone to investigate my vehicle loan with capital chrysler. They financed a XXXX XXXX for me in XXXX XXXX for the amount of {>= $1,000,000}. Payments to begin on XXXX XXXX in the amount of {$710.00} a month. We are in XXXX XXXX still oweing {$29000.00}. According to my payment history most of payments have gone to interest and {$260.00} to late fees. We would like to trade the vehicle in, an are not able to as they are showing we still owe what we financed after 2 years alomost 3. They are not appling all payment where should be. They barley contcted me now in XXXX XXXX that we missed our 2nd payment. In XXXX XXXX I made 2 payments to cover the XXXX payment. they never applied it and continued to move on and apply to next payment. they are showing we are more than 80 days past due which I do not agree with. I have asked the president of chrysler capital to contact me which has not to this day of XXXX XXXX XXXX to resolve this issue. I feel my money had been robbed from us and we have no clue where it has gone for the past 2.5 years. I feel what they are doing to my money and loan is illegal.
This is account was settled back in XX/XX/2018. After the settlement capital one informed me that they would take care of all the negative information on the account ( including late payments ) being reported to the credit bureau 's. I have spoken to many representatives at capital one and have been constantly pushed and pulled in the wrong direction. All the way from supervisors to managers to csr 's. I have been more than patient. i filed a complaint with the XXXX+ and was received a call from one of the principal coordinator 's informing me that she was my advocate to this issue. She told me that she would call me and keep me informed on getting this issue resolved. She never called.I always had to call her for an update, and getting in contact with her and even then that was a hassle. Her line was always busy and i had to get transferred over to her. XXXX is her name. I mean by far, i have been dealing with this issue for almost a year. I will never have an account with Capital one again. The customer service is not the best at all. I held up my end of the bargain, i just wish they would of too.
Received a number of calls from someone claiming to be from Nationwide Mediation services indicating they are an arbitration officers for a firm planning to file suit at the XXXX County court. They will not divulge the original creditor and have called various family members whom I have n't spoken to or seen in several years. They continue to call and when I return the call the number is either busy or does n't connect. I have received no mail or certified mailings or summons or have been served at my residence or business.
Meridian Financial is trying to make me pay for a time share that I never purchased or want and Have never seen. They have put three different collection notices on my credit and continue to call and won't stop. I returned a false billing letter from them about 60 days previous after calling and speaking with a rep. from their firm explaining they must have the wrong party and I sent it back to them so stating via the US post office with a required signed return certified to them. They have since posted three different amounts for collection all on the same day XX/XX/2018. to our/my credit, the amounts are {$930.00}, {$880.00}, and {$810.00} are the amounts on my credit for collection currently. This is all false as I informed them and that would be willing to defend myself in court if they so chose to do. My wife and I have no income other than our Social Security and can not afford more than what our cost of living, medical and food is now much less buy some kind of vac. thing anywhere. They were informed of our financial situation but seem to just ignore facts. Please help. My daughter checked this company out on the internet and found that they have a record of this kind of thing and many complaints filed on them. We have good credit because we do not spend what we don't have and I think that is why they used us, some how they have our name and address but we never have signed any thing or would do so. Thank you, XXXX XXXX
my identity was used improperly to create this fraudulent account ... XXXX and XXXX have removed from credit bureau, but XXXX still has on my report.. i wasnt this account off!!!!