WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX is attempting to exploit a military move by double charging my family for service to our home at our last duty station and service to our new home. Accounts were transferred within reasonable time and XXXX was presented military orders that supersede ISP contracts through the service member 's relief act. 

I resigned my commission as an XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX last year. My wife, daughter, and I moved from XXXX state on XX/XX/XXXX. My wife attempted to transfer our XXXX account from XXXX XXXX XXXX, XXXX, XXXX XXXX to our new residence at XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX , XXXX XXXX. XXXX told her they were unable to transfer the account out of state and that she needed to cancel the XXXX account and open a XXXX account. They also informed her that we needed to pay for XX/XX/XXXX balance as well because we did not cancel within 30 days. She informed them that we are moving on military orders and they informed her that the military orders were not relevant. 

After moving to XXXX, we received a phone call in XX/XX/XXXX from Southwest Credit Systems informing us that we were in default of a debt owed to XXXX. XXXX had sent another bill for the month of XX/XX/XXXX for services to XXXX XXXX XXXX XXXX while we were concurrently paying for services under the same name ( XXXX XXXX, my wife ) in XXXX. My wife called XXXX and they determined we had been charged in error and that we were owed a credit instead. My wife called Southwest at the end of XX/XX/XXXX and in XX/XX/XXXX to confirm that they would not send the negative report to the credit reporting agencies. She told them that we are currently house hunting and that a negative credit report would be extremely damaging to us. Southwest Credit Systems informed my wife that they would not send the negative report to the credit reporting agencies prior to calling us first. 

We are currently closing on our first home purchase using the VA loan benefits earned from 10 years of serves and two combat rotations to XXXX. In the final credit check, our lender found the negative credit report enacted by Southwest Credit Systems on behalf of an erroneous charge by XXXX. 

We would like to have the charge removed from our credit record and for XXXX to settle the credit owed to us. 

Southwest Credit Reference Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX
Re : Ocwen Loan Servicing. Loan was modified less than a year ago. I was told by several people that committed a lot of fraud. XX/XX/XXXX filed national UCC. Uniform Commercial Code 1 & 3 with state of Colorado. I have a commercial lien and agriculture lien on the property. The note was tendered 3x and accepted. But ocwen continued to bill me. Now Im in foreclosure. I have sense filed XXXX & XXXX to prove that house was paid for. I have changed my name. I went back to my birth name. My givin name. I have. Drivers license and ssn in my name. I gave and submitted to ocwen and XXXX XXXX but they never updated paperwork. They submitted foreclosure in my old name. I am a XXXX XXXX. XXXX. The United States is a profit Ferderal Corporation, is bankrupt and has to pay our bills. XXXX XX/XX/XXXX, a bank emergency was declared by President Roosevelt because of the insolvency bankruptcy of the U.S. Executive order 6073, 6103, 6111, 6260 ;  Senate Report 93-549, pages 187 ; 594 ; XXXX. New money promissory notes is is issued to the banks in return for government obligations, bill of exchange, drafts, notes, acceptance. My birth certificate was registered. Besides I didnt know about mortgage notes sold & securitization.See Senate document No. 43, 73rd Congressional record, 1st Session. XXXX XX/XX/XXXX. Since XX/XX/XXXX we have been in a state of national emergency. Under UCC Im able to discharge debt. I tendered the mortgage 3xs. I have recently learned that their is 2parts to a mortgage. And the note is continuously being sold. And then their securitization that no body tells you about. Your mortgage has a cusip number, your house is being traded on the stock market and they get the money. Everything you thought belongs to you doesnt because they have cusip numbers on everything that you thought you owned. This is all fraud. My name, my all caps letter name, my straw man is a business along with my birth certificate being registered with Secretary of State.
I received a credit card and never used it. Not even once. The card was used by someone else. I did not realize this till I recently reviewed my credit report. XXXX XXXX will not remove it
I filed a complaint with CFPB a few months ago against Ocwen Loan services, with the CFPB 's help my name and liability was taken off a forged mortgage, I now received a foreclosure letter from XXXX XXXX XXXX XXXX, phone number XXXX, I have letters from Ocwen releasing me from loan and liability, I would like Ocwen contacted immediately about this error, thank you
A credit in the amount of XXXX was issued from XXXX, my former insurance company, on XX/XX/XXXX.  The credit should post this week. Once posted, I need a check sent to me. Due to status of my account, I am unable to withdraw funds. The dept handling account works off a voicemail and does not return calls. Numerous messages have been left in the past, not one call returned. The balance on account is currently XXXX, not including credit in the amount of XXXX due to post shortly. I've called Capital One numerous times, referred to another department that only has a voicemail, as stated before. They do not return calls. I need a check sent to me for balance on account plus any outstanding credits.
CBE group has constantly harassed me about a debt claim owed by XXXX. I told them and XXXX  i don't owe this. I told them Verbally in writing and told XXXX  directly to stop all communication. I disputed this with all 3 credit bureaus as well. CBE Group uses XXXX  area phone numbers in hoping i will answer. I have blocked 20 different numbers they have called from. The number doesn't identify them as a debt collector or their name. I have received on days 6 calls even after i repeatedly informed them to stop. They just call from different numbers, even Identifying as XXXX, i questioned the rep that but said she didn't know.I They won't tell me why they are calling. I know why, they tell me they can't unless i give address and social security number. I was a victim of identity theft so i won't give my social. Explained to them, they still asked immediatley after
This collection agency has been reporting my collection as an open account and reporting monthly late payments as an open account instead of a collection account in order to maximize damage to my credit report. I have disputed this several times through the collection agency and through the credit bureaus. This account should be removed from all credit reporting bureaus as it has called me measurable damages from negative credit decisions that can not be over turned.
This complaint refers to a unauthorized hard inquiry upon my credit report by   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (  "  XXXX  '' ). On or around  XXXX   XXXX ,  2017    XXXX    initiated an unauthorized inquiry upon my   XXXX   credit report. I did not authorize  XXXX  to take such action so I am demanding that this inquiry immediately be revoked and recanted as well as for  XXXX  to permanently destroy all the personal information is received during the unauthorized inquiry upon my credit report. Additionally, I am requesting that  XXXX  provide me with all documentation that caused them to inquire upon my credit report. Finally, should this pertain to a debt, I hereby dispute the debt and have no knowledge of any debt with  XXXX  and request that  XXXX  cease and desist all collection attempts and contact with me for collection purposes. Finally, please provide verification of any alleged debt and do not access any other consumer reports or credit reports of mine.
My Loan Servicer JG Wentworth did not pay my property taxes at all. Payment was due XXXX XXXX and penalty was due if taxes were not paid by XXXX XXXX. As of XXXX XXXX, the property tax is still unpaid. My escrow account information still shows the full balance.
Greetings, I am filling a complaint against XXXX XXXX XXXX also known as Sequium Asset Solutions as well as XXXX XXXX. The complaint is that they never sent me any written notification of a debt or contacted me via email, phone, nothing. No communication at all. I found out about the debt when I applied for a car loan and was completed blindsided that I had a negative mark on my credit report from XXXX XXXX XXXX also known as Sequium Asset Solutions. 

After doing some research and looking into the situation I now know what happened. The original debt was with XXXX XXXX. When I first got my service installed they had the wrong apartment number listed. They fixed it in there system and to my knowledge everything was in order but they ended up billing me twice ( which I was unaware of ). The second bill was listed to the wrong address so I never received any notification from XXXX XXXX about the debt either. I always pay my bills on time and have never had an issue with my service from XXXX XXXX so after spending an hour or two on the phone with XXXX they apologized for the mix up but said since the debt was with a collection agency I would have to deal with them. The agency they directed me to was Sequium Asset Solutions. I was a little surprised since the debt was listed on my credit report as XXXX XXXX XXXX. That's when I found out they're the same company. Anyway, I explained the situation to them to which they didn't care. They just wanted their money and since I wanted it removed from my credit on XX/XX/XXXX at XXXX I paid the amount of {$130.00} in full. Since paying the debt they have neither removed it from my credit report or reported it as paid. It still shows up as an unpaid open account. 

I feel very cheated that I was not given any notification about this debt and therefor had no chance to pay it before it was reported to my credit.
I contacted bridgecrest XX/XX/XXXX to ask for a defreement as my wife was having XXXX i was told to call back on friday which i did i was told they were not doing that at this time. On XX/XX/XXXX my wife had to go back in for emergency XXXX. I contacted them agsin askung for help again was denied. Then the phone calls started 20 times in a 10 minute period. I keep in contact with them begging for help and denied denied denied. They keep saying ee dont have to help you just pay more i had to pay to save my wifes life i only make so much money. Im a good customer.
I was issued a subpoena on XX/XX/XXXX by Stone, Higgs, Drexler in Tennessee for a payday with XXXX XXXX. I was never noticed in writing or via mail for this debt. The debt was last paid XX/XX/XXXX. I called XXXX XXXX, spoke with XXXX and I asked her why I was never notified prior to this and she told me I would have to address all concerns with the law firm. 
I have spoken with the law firm and asked for debt validation and they refuse to send me documents in the mail. The only response that I am getting is that " We have to be careful what we send you because in live in Arkansas '' ( per XXXX XXXX at the law firm ). I asked what about an offer, but I need documents mailed and they refuse to mail any documents. The company is suing me XXXX plus XXXX in law fees for total of XXXX. The amount on my credit report showed that I owed XXXX ( was final amount reported ). I don't know what to do and they are trying to sue me on XX/XX/XXXX in Tennessee for a judgement.
I have sent up to 3 dispute letters to XXXX XXXX XXXX and they have refused to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. They continue to send me old billing statements which is not proper verification of the account. They continue to report this unverified account n my credit company and continue to call and harass me.
I Have tried on multiple occasions for Seterus to get there records straight as I was transferred to Seterus on XXXX XXXX XXXX it has been XXXX months and the issue is still NOT Corrected my house payment is not what they have listed as I was granted a Loan modification 3 yrs ago with my previous mortgage company everytime I call they have done nothing with the 3 times I have faxed all the documentation from the court granted my approval and stating I owe no Discrepanies, as when I filed bankruptcy 5 yrs ago all of the back pay was repaid in our Bankruptcy plan as of today I should owe nothing except my monthly payment. now they are trying to stick PMI Which was cancelled from my previous loan they need to get there stuff together as I have provided all proof on my end and I will fight it till the end they are running my credit NOT Theirs
HHGregg, who used Synchrony as their primary financing option went bankrupt and left me with a balance. This was an issue so I called customer service to make sure I was set up on automatic payments and to be sure the purchase was still safe as I had warranties also financed through the bankrupt company. The representative informed me everything was fine and my automatic payment would continue as scheduled. To our surprise, our synchrony is reported late 60 days with different dates and balances. This account was never late and I feel betrayed with a mortgage application on the line now because of this.
I was denied the opportunity to open a joint bank account at XXXX XXXX XXXX XXXX with my husband because of derogatory information reported to them by XXXX.
I established a mortgage with an escrow account with Huntington Bank on XX/XX/XXXX. The first installment of my taxes was due on XX/XX/XXXX. I received the bill, which I faxed to them at their request on XX/XX/XXXX. I have subsequently called to follow up on payment of the taxes ( most notably on XX/XX/XXXX, to inform them the tax bill would be delinquent if not paid, and XX/XX/XXXX, the date they indicated the issue would be resolved ). The tax bill has still not been paid, which they have stated is a system issue on their side. However, the tax bill is accruing interest. When I inquire about who will bear the interest costs due to nonpayment, Huntington has informed me on both the XXXX and the XXXX that this will be " researched '' after the tax bill is paid. This is not acceptable to me. I pride myself on having great credit and on paying my bills timely and I will not accept responsibility for any late charges or penalties that are a result of Huntington 's inability to figure out how to pay the taxes through their system. My escrow is fully funded and had more than enough funds to cover the cost of my tax bill on the day it was due.
I disputed a collection on my reports from XXXX XXXX in the amount of XXXX. The company XXXX XXXX XXXX XXXX sent back several documents that prove they can not provide me with actual ownership of the debt. 

I contacted XXXX XXXX and informed them that they breached their contract by sending this debt to a collection agency when I have rights to arbitration. The arbitration clause has been violated. I was informed to ask XXXX XXXX to provide a bill of sale or ownership sale of this account from XXXX XXXX to XXXX XXXX. I have not received that. What I received was a Promissory note from XXXX XXXX, where the arbitration clause is apparent and clear. Also I was provided an account Summary report created by XXXX XXXX XXXX. XXXX XXXX XXXX has NO legal right or authority to collect on this debt due to the arbitration clause of this contract. XXXX XXXX is in a direct violation of the FDCRA. This collection is still reporting on my credit reports. 
Also I have become aware of numerous class action lawsuits for this very same thing. 
I want this collection removed from my reports immediately. Please see the documents attached.
Wrongful Foreclosure was initiated by Nation Star Mortgage and XXXX XXXX XXXX XXXX XXXX by recording a Notice of Default To Sell under Deed of Trust. The Lender, Trustee failed to follow State of Nevada statutory requirements or procedures in good faith. The Lender, Trustee did not notify or send any foreclosure documents of Notice of Default nor a foreclosure Mediation enrollment form by regular mail, registered mail or certified mail to the property owner, borrowers address, after the recording and mailing described above per Nevada legislative all homeowners in default " SHALL '' be notified and become eligible for the Mediation program with proper notice. Lender, Trustee is using their shady deceptive aggressive debt collection tactics of non-compliance with notifications to illegally foreclose. Section XXXX thru XXXX of the Nevada Revised Statues specifies procedures that must be followed for non-judicial foreclosures. A Lender, Trustee sale may be set aside for lack of substantial compliance with any of the requirements of XXXX Nev. Re. Stat. XXXX ( XXXX ) ( a ) ( b ) ( c ), damages may be awarded if the foreclosing party has failed to comply with specified waiting periods or with notice and recording requirements specified in XXXX, were improper. Borrower has had previous mediation 's over the years and was issued from the State of Nevada Supreme Court Foreclosure Mediation Program a Certificate of No Foreclosure, Will Be Issued for the property, every time we went to mediation. Lender, Trustee never recorded a Rescission of Declaration of Default and demand for sale notice. Lender, Trustee is constantly and consistently recording Notice of Default to Sell Under Deed of Trust and Affidavit of Authority to exercise the power of sale is erroneous, false, fictitious, and fraudulent documents. There is suspected Robo-Signed assignments and documents via XXXX, XXXX, XXXX , XXXX, etc.. Who have literally destroyed the entire financial banking industry with their bogus fraudulent assignments. Thus recording requirements were not met. We have spoken with and have email correspondence with XXXX, who has stated they do not own the loan and have no say in any disposition of the loan or modifications. Loan Modifications were denied ( 6 ) times over the years. The Lender, Trustee, beneficiary have no standing, nor is the correct party in interest to seek or bring a foreclosure action. The reason they have lost at mediations. They have no authority to enforce any loan if any exist, due to Breach of Contract. This foreclosure is initiated after the Statue of Limitations has expired seven years in Nevada XXXX XXXX.The Lender, Trustee claim is invalid and not entitled to foreclose. They have clouded the owners, grantors Chain of Title by repeatedly recording a wrongful Notice of Default and Election to Sell Under the Deed of Trust. Requesting SANCTIONS against Nation Star Mortgage and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX ) ( XXXX ), for unfair lending practices.
I was on a vacation in XXXX on XX/XX/2018. When i checked in to the hotel they offered me free upgrade if i attend a Timeshare presentation for 90minutes. I attended the presentation and they were selling vacation packages. From the different packages i chose the cheapest one that best fits my budget. the packages was about {$6000.00} i was told to make monthly payments of {$160.00} for 36 months. I get 2 weeks free Presidential Suite every year for the next 25years at a resort of my choice anywhere around the world they gave me a booklet and a website where i can choose the hotels from. In addition i will get {$3000.00} virtual credit that i can use for massages and free breakfast at hotels that i stay at plus 20 % or more discounts on other days througout the year if i choose to travel. I asked them whats the catch? They said none. By signing up for Timeshare you get all this. I asked when can i cancel? They said within 90days before the contract takes affect. With a {$760.00} penalty which is their application fee. Paid upfront upon sign up. I went ahead and signed up. Provided my SS # address etc. i come back home to the united States and read online about XXXX XXXX XXXX XXXX XXXX. And many people said its a fraud or scam. Some said its true and it works if you travel more frequently. So 2 weeks later i called them to cancel it in XX/XX/2018. becacuse i am from a poor class family and i dont make that much money to travel every year. After numerous emails and phone calls they finally cancelled it. However now i keep getting phone calls to pay the monthly payment of {$160.00}. I keep telling them i cancelled it. I even have emails from the manager of the Timeshare. And yet they are saying the account will stay actice. And if i dont make monthly payments my loan will default and will be reported on my credit as Deliquent payments. I have proof of cancellation and over 50 emails i Exchanged about the cancellation. I do not want this charges to reflect on my credit. Please assist and if you see any charges from XXXX XXXX or Concord services should not be counted against me.
Ocwen is reporting me late to the credit bureaus even though I 'm using their bimonthly service. For example, payments will be received timely by Ocwen, but they do not post them timely. Most recently, I received a default letter from Ocwen, when my payment is current. I 've called Ocwen before about this, and was told numerous times, that I was n't being reported late to the credit bureaus. In my opinion, Ocwen does n't know how to handle a bi-monthly payment - they are holding funds in the suspense account w/out applying them in a timely fashion. I want my credit report corrected to show that I have had no late payments with Ocwen since XXXX, XXXX. They are reporting me late for XXXX, XXXX and for XXXX, XXXX.
Last XXXX XXXX, XXXX, I clearly requested to this company to validate the account they are reporting. Attached herewith is a copy of the letter I sent this company. XXXX responded and sent me an " FTC AFFIDAVIT ''. Please see an attached copy or what XXXX sent me. I DID NOT receive any validation document. I believe they responded to my letter to make it look like they complied with the law. But sending me this document just made it worse. What they sent me is not a validation document which is required by FDCPA.