WillisBack/dataset-financial-user-claim huggingface dataset:
No offer to modify this mortgage before filing action for forecloser. Selene Finance violated the CFPB rules to HELP keep homeowers in their homes. 

Selene Finance is being sued for insurance fraud by XXXX vs Selene XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX This Loan was originated XX/XX/XXXX with XXXX XXXX, now defunct, at 7.5 % 30 yrs. XXXX XXXX took over the mortgage from XXXX XXXX. 

XXXX XXXX was servicer from XX/XX/XXXX-XX/XX/XXXX, and here is where the loan payment discrepancy occurred. 

XXXX XXXX sold servicing rights to Selene Finance ( XXXX ) XXXX, who after zero missed payments, and no offer to modify this mortgage decided to stop receiving my monthly payments at the end of XX/XX/XXXX. 

I have been battling with Selene, and their Lawyer since XX/XX/XXXX. 

My mortgage is not foreclosed at this time, and I hope to refinance with another mortgage provider to a get start fresh. 

I have the ability to pay monthly, my income is {$70000.00} per year, and have been employed with the same XXXX for 18 straight years. 

The value of my home is {$200000.00}, and the balance on my mortgage is {$150000.00}. 

I have {$51000.00} of equity in this home. This home has been in my family since XX/XX/XXXX, 40 years. 

Please offer me a new mortgage. I only want to refinance the balance {$150000.00} for 15 years. 

Thank you, XXXX XXXX, XXXX. 
( XXXX ) XXXX My FHA Case # is : XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX My name : XXXX XXXX XXXX, XXXX. 

This is the information on the DEED OF TRUST that I have, and signed XX/XX/XXXX The current loan servicer is Selene Finance XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Their Attorney is XXXX XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX My family purchased this home in XX/XX/XXXX. I refinanced this home in XX/XX/XXXX, and have paid over {$140000.00} towards this mortgage. I want to keep this home. 

Please help! 


Loss Mitigation Services for FHA Homeowners XXXX XXXX, XXXX. 


No offer to modify this mortgage before filing action for forecloser. Selene Finance violated the CFPB rules to HELP keep homeowers in their homes.
Transunion keeps claiming I have an open dispute every time I request a free copy of my credit report and refusing to furnish a copy on these grounds.
I applied for a new home equity loan with my bank Chase. I make mid 6 figures of income, have absolutely perfect credit, I have my first mortgage paid off, 800 + FICO score, no credit card debt and currently over {$100000.00} in my various checking accounts at Chase. In my humble opinion, an excellent credit profile. Chase told me I was approved for a {$100000.00} home equity line of credit. Then they call me yesterday and wanted to know why I wrote a check to the XXXX XXXX XXXX for a little over {$20000.00}. They have no right to go into my checking account and look at my cancelled checks. They violated my privacy and my constitutional rights. By the way the check is for a family vacation rental this summer. I am filing a complaint that my privacy rights and constitutional rights have been violated by Chase.
After their first Levy was removed and before I had time to look into the Judgement against me, another levy, " execution '' dated XX/XX/XXXX was placed on my XXXX XXXX and another {$120.00} was deducted by the bank, now {$250.00} total. Im fortunate to have help from my dad to buy food, the fees really take a bite out of my life! After looking over the documents ( attached ), the judgement was entered on XX/XX/XXXX! Thats the date of my Mothers Passing ( death Cert attached ), I was in XXXX to help my dad from XX/XX/XXXX - XX/XX/XXXX while mom was in the hospital XX/XX/XXXX,. I was not in NY and I did Not receive and or were not served any summons to appear either in personal and or by mail and could not have checked the Validity of the debt in question and the SOL as well, I surely would have answered any summons had I been given the opportunity. I was unaware of any judgement against me from Sharinn Lipshie, XXXX XXXX as Assignee for XXXX XXXX XXXX until they placed the Levy against my account in XX/XX/XXXX ( docs attached ). Id like a reimbursement of at least 1 of the XXXX XXXX fees ( {$120.00} ) and have the Levy, Execution removed from my XXXX XXXX account.
XXXX XXXX XXXX Account showing up as a collection account is not mine. Possible fraudulent account.
Hi, I have asked to not be contacted at work because I am not allowed to receive personal phone calls or visits of any kind. The person I spoke with on the phone today stated that they would call my work even though I agreed to use their website to set up a payment plan.
My account was closed in 2017, i was making regular payments and it was closed with no notice or reason why. I called the company asking why and they could not give me an accurate answer and i was told i will still have to make payments even though they closed my account.
I contacted Bank of America on XX/XX/XXXX and asked them to close the account. Bank of America did not close my account and on XX/XX/XXXX I was charged {$59.00} annual account fee.
Recently - I have received threatening/harassing phone call & Emails from XXXX XXXX. XXXX XXXX - ( originally dealt with XXXX XXXX XXXX ) - examples are as follows : CONTACT # XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX To XXXXXXXXXXXX XXXX XXXX at XXXX " I am interested in Income Driven Repayment, and I authorize XXXX to place a forbearance on my account to satisfy any delinquency accrued on my account. I plan on applying for Income Driven Repayment through the Federal Student Aid website referenced on my email. I understand any unpaid interest will be capitalized. " ( these are XXXX generated words in an email } - I attached the words below to the email : FEDERAL TRADE COMMISSION WILL BE CONTACTED FOR THESE UNNECESSARY THREATS - MY BILL IS PAID EACH MONTH. XXXX XXXX CONTACT # XXXX - XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX To XXXXXXXXXXXX XXXX XXXX at XXXX I HAVE CONTACTED BOTH FTC & XXXX XXXX XXXX ABOUT THE THREATS I HAVE RECEIVED FROM THIS COMPANY - EMAIL/ PHONE CALLS : XXXX XXXX XXXX / XXXX XXXX XXXX - YOU PEOPLE ARE DOING THIS BECAUSE YOU THINK YOU CAN GET AWAY WITH THIS - I REFUSE TO BE BULLIED BY XXXX EMPLOYEES - I WILL ALSO CONTACT LEGAL AIDE - IF I CA N'T GET HELP FROM THE ABOVE MENTIONED ENTITIES - I AM PAYING MY BILL EACH MONTH - YOU HAVE NO RIGHTS TO THREATEN AND HARASS ME. XXXX XXXX - End of second Email to XXXX. 
I also received threatening mail from XXXX XXXX, XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX Monday - Thursday XXXX - XXXX ; Friday XXXX - XXXX / XXXX The letter refer to my account as being delinquent although my bill is paid diligently each month - I supposed the amount is n't large enough to satisfy XXXX although its ' as much as I can pay - I 'm not living high - I drive the same car I purchased new back in XXXX when I worked for the XXXX - now I work for XXXX XXXX XXXX XXXX XXXX XXXX & the pay is minimum wage but working with XXXX is completely life changing & fulfilling. I do the very best I can to meet my financial requirements & am NOT shrugging off my responsibilities. The representatives of XXXX are acting like bullies - This is totally unnecessary for a customer who is paying the bill. Please advise me - Thank you for all your help & assistance. 
Respectfully, XXXX XXXX XXXX XXXX has n't been contacted yet - but I will - if you ca n't help me. 
This bill is for XXXX ( XXXX XXXX XXXX - a sham, a so called " business college '' - now Defunct.
I have mixed files on my credit report. 
1 ) XXXX XXXX XXXX XXXX ) Bankruptcy 3 ) Legal Item 4 ) XXXX XXXX
My husband passed away XXXX XXXX, 2014. 

Since that time, TD Bank has refused to talk to me. My husband 's death constituted a hardship, and I have been unable to work on a loan modification, request Florida 's Hardest Hit Funds, or appeal to any other kind of avenue to prevent a default of the loan. 

Despite not being on the Note, I am an owner of the home and should have been serviced. Up to this day I have not yet been serviced - the loan has been forwarded to a foreclosure department of TD Bank, and that is all they have spoken to me about. 

Per CFPB rules, as a successor in interest, I should have been serviced. There was a negligible default on the property of {$540.00}, which has ballooned into {$6000.00}. It continues to snowball. This is a problem that could have easily been fixed had I only been serviced. 

As a result of the default I can not even refinance. I have equity in the home and am perfectly able of catching up - I would also qualify for the hardest hit program with a simple assumption of the loan.
I just found out I have a huge debt with XXXX XXXX, in XX/XX/2018 I had payed XXXX bucks to the account because of some late fees. To my knowledge the account was in XXXX dollars. Recently I just found out I owe them {$190.00} and called them to ask them why. The credit card is from hot topic and I don't even use it at all, last time I did was last year, so they told me I had still left to pay an amount of a dollar and fifty something cents. And since then, all the late fees they applied got my account up to almost 200 bucks. A card I don't even use and an amount I didn't knew about. I called them up and told the lady I don't know when I can pay that amount because right now I'm unemployed. She insisted on me telling her a date which I couldn't as I told her more than once than I can't tell her when, because of what I just said. So she automatically set me up a date this XXXX, which it seems I have to pay. I just find it really unfair that from just a dollar and a few cents I have to pay almost 200 bucks which I don't have and from a card I haven't used much at all.
My purse was stolen and I filed an identity theft. I see that my name is wrong and an address listed. I never lived at XXXX XXXX as reported on my credit report. I never misspell my name.
I have tried several times to remove a public record that is still showing up on my Experian credit report. XXXX investigated and found that the bankruptcy was indeed not mine, and it's not. The record was removed from XXXX and the other 2 credit bureau files. The only one to remain is Experian. They continue to state, " the reporting company verifys the account is yours. '' XXXX has send me a copy of my report which also verifys the record has been deleted. When speaking to the Experian dispute person, she told me they send the dispute to XXXX and they have 30 days to respond. When talked to XXXX they claim they do not receive the dispute from them. So which is it? There is no way for me to get this corrected unless someone else steps in and forces them to do the right thing because they want my credit to remain bad. Experian has been told time and time again that they are reporting false information on my credit report and it needs to be deleted per the FCRA. They are clearly not doing their due diligence in the dispute process. They can't or won't event tell me how the process works. It's clearly a rigged system where no one is held accountable to uphold federal law. I demand the public record be removed immediately or legal needs to be taken.
After investigating my credit report, results and facts is this company has reported false information ; after my first dispute the results remained the same. The results are clearly false reporting and I will be moving forward with my actions.
I 've completed a dispute on XXXX 's website and their website tells me the system accepted my message. However, I never get an email or postal mail in regard to the dispute filed. Thier technology is like dealing with a VCR that ate my tape. It 's old outdated and I hope legislation steps in to change this company and the industry. These companies are not set up for the consumer. They are set up to help keep the banks and finance companies in business.
PayPal Credit, somehow ( either when I inadvertenly placed an order on XXXX, hit " PayPal Credit '' ). Since then, I've received constant bills from Paypal, in which the amount continues to increase, although I've NEVER used this " line-of-credit '' in any form. I understand that the Consumer Financial Protection Bureau already has fined PayPal with a {$25.00} XXXX fine on behalf of consumer protection violations. 

Please kindly investigate, as this may also be affecting my credit.
I have XXXX Amex cards. Both cards ' page after log in showed " spend certain amount on a mainstream retailer and get specific amount of cash back '' under the card benefits section. When I spent those amounts, the credit card refused to honor the cash back. They said I had to enroll in the offer. There was no option to enroll the offer ( into the cards ) earlier. 

Now after I have made the transaction, the offer to enroll the cards has appeared but only for smaller lesser known merchants and retailers. That mainstream retailer offer above is no more. Nor would they honor the offer when I called in. I think it 's a bait and switch kind of scheme to defraud customers. I expect millions to have been defrauded by Amex!
The school I went to was XXXX XXXX XXXX and they closed all of their North American schools due to false claims and wrongfully higher loans with XXXX XXXX. I have over XXXX dollars in student loan debt and non of my credits for my XXXX can be transferred to any school. This was a scam and they should be ashamed of lying to their students.
Synchrony Bank, XXXX XXXX, XXXX, FL XXXX is as of XX/XX/2018 charging me {$64.00} in late fees and {$2.00} in interest for nonpayment of a disputed charge for {$74.00} bringing the total they claim I owe on my closed account to {$140.00}. The same day I saw the {$74.00} charge ( pending ) I contacted Synchrony Bank to dispute the charge and was advised to contact the merchant. I immediately contacted the merchant and was told I could not have any information on the charge because I was not authorized on the account. I recontacted Synchrony Bank with the results and was told I could do nothing until the charge cleared and then I could dispute the charge so I immediately closed the account and paid all but the disputed charge amount. Once the charge posted I mailed a dispute ; I received a non-favorable decision and called in a second dispute ; I received a second non-favorable decision. The charge in question was made from an account of an ex-roommate that had been an authorized user on my Synchrony Bank credit card but who I had unauthorized when she moved well prior to the disputed charge of {$74.00} and whom I had no contact with to resolve the issue. For this reason I claimed and continue to claim the charge was not authorized ; that I was denied power to stop the processing of the charge by the merchant, claiming I was not authorized on the account, and Synchrony Bank who would not take any action on the pending charge. This is clearly an unauthorized charge and I am being harassed and intimidated with huge late fees to coerce payment.
Account name REAL TIME RESOLUTIONS IN Account number XXXX Recent balance {$3000.00} as of XX/XX/2018- has been harassing with false statements and threats. This account is in violation of F.C.R.A. nad real time solutions has violated F.D.C.P.A. on several counts. please stop this illegal operation
" " '' I have disputed this collection XXXX XXXX for months.XXXX  and XXXX   have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
On XXXX/XXXX/XXXX I deposited a check for {$1500.00} to Huntington Bank. The check was drawn on a local bank and was for reimbursement of expenses. The company writing the check is a local insurance company that is publicly traded on the XXXX. My personal checking account with Huntington has been established for approximately 2 years and has not been overdrawn. I also have a savings account and my loan with Huntington is paid on time. 

On XXXX I got an email saying there was a deposit hold. I was not given access to the first {$100.00} or {$200.00} of the check. Then on XXXX I got a letter stating the deposit hold would be until XXXX/XXXX/XXXX so the bank could review the check. In total this is a hold of XXXX business days however Huntington is open 7 days per week so its actually XXXX. 

On XXXX I called my local banker in XXXX Michigan XXXX XXXX. She was unavailable but a teller supervisor I spoke with at the branch said Regulation CC only applied to local banks and credit unions. She also was unable to release any of the funds and said that payments issued by insurance companies are usually subject to holds. I did look through my records and checks issued in XXXX and XXXX from the same company were not subject to any holds I have been unable to pay bills or conduct normal banking activities this month. Considering my bank branch, home and the headquarters of the insurance company are within XXXX blocks of each other, the hold seems arbitrary and unreasonable. I believe Huntington Bank violated Regulation CC and ask that this matter be looked into.
Purchases were made at multiple merchants which were expected to qualify under promotional rewards earn. Promotional bonus was not applied. Contacted via online message. No resolution. Contacted by phone. No resolution. Closed account due to " gotcha '' marketing and refusal to honor offer. 
Marketing copy lists " Home Depot '' and " XXXX and XXXX Stores ''. Any reasonable person connects the XXXX, and associates Home Depot as a XXXX and XXXX ' store. Even in the disclosure below nothing indicates those XXXX should not be associated. I prefer shopping at other 'home and garden ' shops -- -XXXX and XXXX XXXX . A simple google search yields that these all offer comparable products and services. There is no reason to believe any of these would be treated differently. 
Ultimately I missed out on bonus rewards for {$480.00} worth of transactions, or {$24.00} worth of rewards. 
Marketing copy is deceptive and disclosures are inconsistent and unclear. XXXX refused to acknowledge or rectify this on the XXXX customer that called them out. If I had put other transactions on the card, it is unlikely I would have even noticed this. That is not an acceptable way to treat consumers. If they are not willing to honor the promotion, they should not have it out there to begin with. There is likely a reason why they no longer offer this product -- -clearly this category bonus scam has caused similar frustration from other customers. 
Attached documentation supports and validates all information claimed above.
I am currently disputing an unverified account with Trans Union that has claimed they have been able to verify as accurate information. I have asked the following credit bureau to provide me with documentation proving that this debt they claim I owe is actually mine. I have sent FOUR letters certified mail with return receipt dating back to XX/XX/2018 requesting proper verification of this account they are reporting that they stated in writing is correct and has been verified. Who verified this account? They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it. ) and under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... ..Promptly DELETE all information which can not be verified. Trans Union is continuing to report this unverified account despite the fact they have NOT indeed provided proper documentation. The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX/XXXX/2017 i have ( 3 ) inquired i call trasunion because im victim for XXXX they told me can be remove
I have sent several certified letters to this company requesting validation of a contract in which I have never signed up with this company, I have sent several certified letters to the reporting agencies showing them proof that this debt is not validated from this company, I have never agreed or signed up to be extended any credit with this company they are reporting an account # of XXXX
I informed XXXX of an issue in which the individual granted POA abused it by opening numerous accounts and failing to return a vehicle under the XXXX. After speaking with the company and coming to an agreement that upon paying a balance they would remove the negative content since it was caused by someone other than myself. I informed them they failed to retrieve the vehicle over 6 months after being notified by myself that this individual still had it in their possession. I accepted some financial responsibility because I should have trusted someone more responsible. Nevertheless, I made the payment to XXXX and instead of removing the derogatory information, they sent me the attached notice saying the account was settled in full and then reported it to all credit agencies as settled for less than the amount. They went back on their word and because I put my trust in them I was not able to go on my military XXXX and my security clearance remains at risk.
XXXX XXXX XXXX has not reported my payment history since XX/XX/XXXX. I have contacted and can't get anyone to report monthly to credit bureau. This is affecting my credit due to me trying to get a house. I have also faxed a copy of my Driver license and Marriage certificate where I got married XX/XX/XXXX and my name was changed on my account last time I complained and now it is back to XXXX. My Legal name is XXXX XXXX now.
I have been attempting to submit a dispute x3 days. I tried online 1st and the site had me verify my information and then timed out each time while I was still entering information, at no time was I inactive on the site. The 4th attempt said it was unable to verify my information, the same information I had entered previously. It then instructs you to fax your dispute along with a copy of your driver 's license to XXXX. My fax to this number failed because it did n't answer. I called it and determined this number to be soliciting services for XXXX and in fact not a fax number for the agency. Lastly I called them to submit my dispute via phone and advised them this number was bogus to which they did n't acknowledge, address or provide me with a better number. Their website is instructing people to send their sensitive information to his phone number and they should be made to correct this info or remove it all together. This agency gives you a runaround trying to update your own information and that 's not how this process should work with fair credit reporting, a person should be able to successfully and securely submit updates via the method they have provided and the information they provide should be accurate.
First : you do n't have the right category listed for my problem : My problem is : Ally Bank customer service is not willing to provide the dealer payoff amount to me. They are only willing to provide customer payoff and no other info. I spoke to the managers at both departments. The secrecy around car business is extremely disturbing. A lot of people are getting ripped off real bad. In this case, I need the dealer payoff, to estimate if the dealer would buy the car from me. If the loan has a negative or positive equity. In order to just estimate that, I would have to go to the dealer, provide all my personal info and sit at least an hour, before that dealer payoff quote is received by the dealer. After that, the dealer might or might not wan na give me that amount either. This is absurd. The car business is so dirty, the laws must be improved to help customers. And by the way, I called my car salesman 3 times, left 3 voicemails, and he never called me back. I already sit there for an hour, I am not going back to sit more for nothing ... So how would I ever get my car deal done???