WillisBack/dataset-financial-user-claim huggingface dataset:
Quality Loan Service Corporation can not act as trustee as was never a contract to do so for the Fictional deed of trust, I XXXX XXXX have durable power of attorney with anyway my surname and any ways spelt and IRS has a copy of it, along with cusip, ssi, TDA accounts all can not be used, unless I give expression through approval, with a signed affidavit which i have not, to XXXX, Quality, nor any other company, also it takes two to sign a contract not Even XXXX XXXX XXXX have signed any docs. but on the hidden back of a paper, and non-disclosure, and signed my name, and id theft. Arrest warrants have been issued to all Ceo 's involved in this Fraud, Extortion, land piracy. Also a defaulted bill. You can not sell nor buy something that you do n't own by a null and voided contract before is even is one. Nor direct as a fraudster actor trustee, which violates the Constitution of the united States Of America Republic. If you need a copy of the arrest warrants and defaulted bill, request it, and not electronically, only by registered mail, and stating on the pink slip that what it is for and whom it is from, The bill is more that 90 days, ssi # is only for employment purposes, and slavery was abolished, Idenity theft is being used by the matrix system of banking and all we do on line and there is never another person on the other end to sign their name, all corporations have been foreclosed on more than once in the world, since XXXX XXXX XXXX, and XXXX, and XXXX and XXXX XXXX XXXX found XXXX XXXX guilty on all counts. XXXX
I financed a vehicle with MCMC Auto XXXX years ago and it was wrongfully reposessed. When I attempted to bring the matter to the attention of the company I was disregarded and told to dispute it with the credit bureaus. Each time I have disputed it, they corresponded stating it was valid. I attempted to contact them XXXX years later and they are still refusing to provide me with proof of past due payments. I called them today at XXXX spoke with XXXX and she stated that they still are unable to provide me with a copy of my contract, payment history and all written correspondence. At this time, I will just need these documents to correct their false information.
XXXX XXXX, 2015, I sent Equifax a certified letter, disputing the XXXX XXXX XXXX # XXXX account. I have disputed this account information as inaccurate with them, and Equifax have come back to me and stated they were able to verify this debt as belonging to me. I wanted to know, How is that possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify this is my debt. I sent Equifax copies of the XXXX letters mailed signature certified along with receipts to this collection agency, asking them to validate this debt as belonging to me. XXXX XXXX XXXX have refused my certified letters and had them returned to me unanswered. 
This is a clear case of unverified debt here, and I requested Equifax to remove this item from my credit report. They have refuse to do this. Equifax is the ONLY credit bureau who is reporting this negative information that is causing me to be depress and keeping me from purchasing a much needed car to get me to work and school.
Hello Sir Compay call Security credit services call me in XXXX and told me i have {$1700.00} payment left which i never borrow and lease from any XXXX. I told them to send me written or email notice but they didt send me any thing and yesterday they put inquiry in my credit companies. So i like to take further step with you so you can help me for this.i have there info Company : - Security Credit Services Address : - XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ID : - XXXX
On XX/XX/2017 TD Bank XXXX reported hard inquiries to my credit report. I have never applied for credit at TD Bank. I have contacted the creditor and have had no success on removing inquiries
I purchased a new XXXX laptop on XXXX/XXXX/2015 for {$1000.00} ( before tax ). I used my CITI card. It has a warranty extension benefit that comes with the card that doubles the length of the manufacturers warranty. I opened a claim and sent in the required documentation. One of the things the claims package requested was an estimate for repair from the manufacturer. I had a manager at the service department of XXXX send me an email estimating the cost of repair and sent it in with the claim package. CITI 's claims department denied the claim on the basis that the estimate I sent in was not itemized. I informed them that XXXX was unable to give me an itemized estimate until I sent in the laptop ( which requires I pay the {$210.00} they estimated for the repair ). So Citi is unwilling to pay the claim without an estimate for the repair and I can not get an estimate until Citi pays the claim.
I accidently over paid my card. It is a prepaid card with a XXXX dollar credit limit. I have had a XXXX dollar available limit for some time now even though I owe nothing and have overpaid the card by XXXX dollars. the payment wsa smenat for my fiances acct. I havent asked for the credit back or even to apply it to something. I was instructed that as i spend on the card it will be taken out of the credit first yet I have tried to use the card and have been unable to. I was told payments had to post and i understand the float is their business model. Isnt there laws in place to limit the time they can hold money and not post it to accoutns? secondly they repeatedy accpet a payment then ask for a payment less than XXXX days later and if its not made it slate. Thats not possible, If you pay for example XXXX dollars on the XXXX wiht a min payment due of XXXX dollars how can the XXXX another payment is due or a late fee incurs when yo obviously made a payment that month. This company is a constant violater of proper financial parameters by delaying posting of monies and attemting to bill customers with overages and lates. I know I 'm not the only person who has brought this to your attention. I can see what they have attempted to do to me. I have money so i can easily rectiofy my situations before they get my money. I thought the federal govt was suppose dot monitor companies like this to protect consumers form abuse
There are fraudulent charges on my credit card. I have asked Citibank 3 times to close this account but it does n't get done. I just received a notice that a payment is due after I called Citibank and was told that they would take care of this. I have had XXXX different account numbers for XXXX different cards in the past XXXX mo.
My loan is part of the XXXX XXXX held XXXX XXXX XXXX XXXX XX/XX/XXXX Mortgage Backed Notes. I am disputing the legitimacy of this trust and Select Portfolio right to attempt to foreclose on my property at XXXX XXXX XXXX XXXX XXXX Ga. I will need information confirming the existence of the XXXX XXXX XXXX XXXX XX/XX/XXXX. I have researched it myself and have found that there seems to be no information on it past  XX/XX/2015. This concerns me. I have requested this information multiple times before via handwritten request as well as verbal requests. I am well aware that the trust is held by XXXX XXXX. I need recent records on the actual trust itself. Recent financial records, Tax records, anything that can show me that this is a legitimate trust and is still in existence. I have spoken with XXXX XXXX from XXXX XXXX, who apparently manages the service agreement with Select Portfolio, and he could tell me nothing about this trust saying that, XXXX XXXX XXXX may have a record of it. Why XXXX XXXX XXXX would have a record of it I have no idea. It's supposed to be held by XXXX XXXX. I am sure you can understand my confusion and concern as to where my money is actually going. I find this lack of transparency between Select Portfolio, XXXX XXXX, XXXX XXXX and whom ever else may be involved with the XXXX XXXX XXXX XXXX XX/XX/XXXX Mortgage Backed Notes, to be completely unacceptable. I have a right to know and gather information on this trust to make sure it is all Legitimate. Not to mention all banks involved have been fined heavily in recent years for bank fraud as well as securities fraud and I believe XXXX XXXX Headquarters in XXXX was just raided due to money laundering accusations. This to me is extremely worrisome and I demand transparency on all aspects of this trust that my mortgage is part of. Every time I ask this question my only response from Select Portfolio Servicing is that XXXX XXXX is the holder of the trust. Let 's see if we can dig a bit deeper this time. My intention is to keep my house and I am able to catch up on payments once I am secure with the situation. XXXX XXXX
Back in XXXX I contacted Transunion, XXXX and XXXX and advised them that the there were excessive inquiries on my credit report that I knew nothing about and did not authorized, Fraud alert was put on my credit file and Transunion deleted XXXX of the inquires then they put them back on my credit file. XXXX deleted about XXXX of the inquiries and left XXXX on my credit file and XXXX also deleted XXXX of the inquiries and left XXXX on my credit file. My credit file had Fraud Alert and I am still showing new inquiries on my credit file from all XXXX credit Bureaus, which is Fraud. How can this be when I had my credit files documented with fraud alert regarding unauthorized inquiries and neither credit bureau can show me proof where I authorized or gave permission for my credit to be pulled.
I am checking my credit and notice a delinquent amount of {$84.00} owed to XXXX XXXX from XXXXX of 2016 and do not recall what this is. If I owe it, I would like to pay it and get it off my credit report.
I made a request to Wells Fargo Home Mortgage to close an escrow account on XXXX XXXX, 2017. At that time I was informed by Wells Fargo that it takes them 7-10 business days to close an escrow account. Due to an issue with Wells Fargo applying funds to my account, the actual account closing was n't processed until XXXX XXXX, 2017. The account was actually closed by Wells Fargo on XXXX XXXX, 2017, XXXX business days later. According to Wells Fargo a check was cut on XXXX XXXX, 2017. Since I had not received the check from Wells Fargo by XXXX XXXX, 2017 I called them back to inquire as to why I had not received the disbursement. The representative informed me that a check was cut on XXXX XXXX, 2017. However, after inquiring further and after the representative dug further, apparently the check was not actually sent until XXXX XXXX, 2017, XXXX days later or 3 full business days. I believe that this is a intentional effort by Wells Fargo to delay sending funds to their customers in order for them to take advantage of interest earned on balances held during the float period.
XX/XX//2019, I was checking my credit report and there was an account that was given to collections about a bill that I do not know anything about and I never received any statements from original credit - for health care services. I've worked on cleaning up my credit report so that I could purchase a home and this account was not on my credit report ; now it is showing on the report. 

I never received any statements or letters about this and I was unaware of this account. I have tried handling this on my own, except my complaint is with the Original Creditor and the Collections Agency. 

I do not appreciate a place of business XXXX XXXX that does not send you notification or statements pertaining to a bill ; especially if you are not aware of it and they turn it over to a collection agency.
I had the following account with XXXX XXXX XXXX for the last several years covering two cars. XXXX. Both of these cars were paid monthly using the autopay feature of the website. The lease on this car ( XXXX ) was extended by me over the phoen with XXXX. I was unaware at the time and was not told the monthly payment ( on the same ar was actually going up ) Either way that affected how the XXXX autopay system works as it was paying the old amount. The original payment was {$320.00} and the payment rose to {$340.00}. The autopay should have paid the entire payment which was due, not the old payment. That is highly unusual to set an autopay and the proper payment is not made. 

I called and was told that I had to manually turn off the autopay to make the payment and turn it back on which I did. I was then out of the country for several weeks and was unaware of any issue. I came back and once notified, this was corrected immediately.. In order to do this I had to turn off the autopay to make the {$79.00} payment. After making that payment I turned on the autopay which had been on covering both of my accounts for several years. Any issue that happened was a technical issue on the website. I have documented that every single payment on both of my accounts was always paid on time and on autopay since the loans were opened. 

I called the company on XX/XX/18 and they were unwilling to resolve this matter without me making a formal complaint. They have market my account delinquent which has a very negative impact on my credit.
Tidewater Finance has egregiously damaged my credit by failing to, despite twice telling me otherwise, fix their computer glitch showing a missed payment. To make things worse after I paid off the account in full, I received a bill for additional money. 
They admit on the phone they are in error, but can not or will not fix my account, report to the credit bureaus.
I have called several times, I 'm trying to get a mortgage and XXXX of the credit companies show this debt as paid and XXXX does not. First lady I spoke to said she would have a letter sent out showing the debt paid. I waited a week and called back. The guy I talked to was so manipulative, trying to get me to say I did n't pay it. Then he told me he did n't know what the status was but he could n't collect the money so I repeated I do not owe you any money because you do n't have an account for me. He knows he 's being recorded so he would not say anything. Although at the beginning of the conversation he told me it shows its been paid off. All I wanted was a letter showing it was paid off, now I feel like they are going to do something and try to get more money from me. Completely unprofessional and predatory.
I was contacted by mail on XX/XX/XXXX by the law firm of Nelson and Kennard. In the letter it was stated that they had obtained a judgment against me on behalf of their client XXXX XXXX XXXX XXXX. They then stated that I had an outstanding judgement balance of {$10000.00}. 

I have never received any paperwork notifying me of a lawsuit and in fact the original debt was by my records charged off in XX/XX/XXXX. 

I had moved on XXXX XXXX of XXXX and on XXXX XXXX of XXXX so if they had served the paperwork to an old address it was n't to me. 

Furthermore I just received a phone call from one of their representatives at work. 

I think it will go a long way if the Bureau of Consumer Financial Protection contacts Nelson and Kennard and just ask some simple questions. Like " When did you supposedly sue this person? Do you have court document showing proof of service? Who signed the proof of delivery? Show us documentation proving you have the right to collect this debt? " Please help as I do n't know who else to contact and really need a help from your organization to help with this dispute.
I called Kondaur Capital Corporation to make a payment over the phone. I said that I would only be able to make one payment. I owed the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payment. I explained that I could only make one payment. The lady put on hold and a man picked up I explained once again that I could only make one payment and late fees, he refused to except my payment he said I was over 90 days late, I explained that I was not and that I would not be 90 days past due until XX/XX/XXXX. He still refused to allow me to pay over the phone. So I would like to file a complaint against Kondaur Capital Corporation. I facing some hardships but I am doing my best and do not believe this fare treatment. I did overnight a payment on XX/XX/XXXX through The U S Postal Services
Quality Acceptance LLC is disgusting. We were told that 12 % was our interest rate. And paperwork had started on a XXXX MUSTANG for XXXX. XXXX sales lady came back and said that interest rate had changed to 17 % and that we would need now an additional {$1000.00} = {$2000.00} down. We reluctantly agreed but were assured that in one year if we were up to date with payments, the interest rate would fall extremely low for remainder of the 36 payments. But after that, we were yet told one more time that interest rate now rose to 19.95 %. Or if we paid car off early we would naturally not owe the 19.95 interest rate of the lower one for those months paid early on the back end. 

In following year we either made our payments before hand and in one occasion it was one week late. But QUALITY ACCEPTANCE LLC would call for no reason, harassing about payments even when we were up to date, check phone records. And sometimes more than once a day to me and to XXXX separately even after we explained the payment went out on time or for one time one week late. 

So in XXXX XXXX after one too many harassing phone calls, I called and spoke to a XXXX at QUALITY ACCEPTANCE, due to all the prank phone calls from our identity theft and so many unresolved issues, I contacted FTC to see what the laws or regulations were. I found out that it is against regulation for them to call so many times, and if I let them know that they need to stop, that they have to be law. As well that with my proven identity theft and loss, and unresolved fraud on my credit report and that I not only proved it to them, but also they let me know they were aware as they saw it for themselves, that we deserved a much fairer interest rate than given at time of purchase. I also discussed my one year of loan payments on time to QUALITY ACCEPTANCE, that I wanted talk about the lower of interest rate as promised, and XXXX said that payment status was very good that they were not gon na lower the interest rate as promised. 

So I asked XXXX if it would be ok if I was one payment behind and put it in back. She said yes, that my payment history was good enough that they could extend that to me. That call was in XXXX XXXX. And not only but a few days later from calling XXXX and her confirming that I could be late and that not to have people calling me, I got several calls about the payment even though I confirmed XXXX said it was ok and after asking customer service to stop calling me, that I made a complaint, they still continued call. 

And after doing a little research and finding out that QUALITY ACCEPTANCE, not only took advantage of our identity theft situation charging a much higher interest rate than we deserved, and charging us twice as much down as first said, and the fact they had no integrity in honoring the lowering of interest rate, and not only all the annoying phone calls, but to make them after I asked them not to ; I found out that they had violated regulations and had cheated us.
I sent and served a RESPA Qualified Written Request/Debt Dispute Letter dated XXXX/XXXX/XXXX ( hereinafter " QWR1 Letter '' ) to Ocwen Loan Servicing , LLC ( " OCWEN '' ), as purported loan servicer ; and XXXX XXXX XXXX, XXXX. ( " XXXX XXXX '' ), as Trustee for Option One Mortgage Loan Trust XXXX, Asset-Backed Certificates Series XXXX ( hereinafter, the " XXXX XXXX '' ) - a special purpose vehicle ( " SVP '' ) organized as a qualified special purpose entity ( " QSPE '' ) and formed as mortgage-backed securities trust ( " MBS trust '' ). This MBS trust, which was created under an operative securitization agreement called the Pooling and Servicing Agreement ( " PSA '' dated XXXX/XXXX/XXXX ) in accordance with and governed by the trust laws of the State of New York, has an election and continuing qualification as a real estate mortgage investment conduit ( REMIC ) pursuant to the U.S. Internal Revenue Code ( IRS ) section 860. 
Other than an acknowledgement letter dated XXXX/XXXX/XXXX from XXXX XXXX as Trustee of the securitization trust advising that it is forwarding my QWR1 Letter to OCWEN, I never received any response or even an acknowledgment letter from OCWEN. 
I therefore sent another Qualified Written Request/Debt Dispute Letter dated XXXX/XXXX/XXXX ( hereinafter, " QWR2 Letter '' ) to OCWEN and XXXX XXXX to follow up. I copied the Consumer Financial Protection Bureau ( CFPB ) with said QWR2 Letter, which was also duly received by OCWEN on XXXX/XXXX/XXXX ( referenced USPS Form XXXX No. XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX also on XXXX/XXXX/XXXX ( referenced USPS Form XXXX No. XXXX XXXX XXXX XXXX XXXX ). See attached QWR2 Letter dated XXXX/XXXX/XXXX, which provides in full details and facts with specificity why I dispute the debt and demand that OCWEN and XXXX XXXX validate their claim as purported loan servicer and owner of my mortgage loan, respectively. 
I received XXXX response letters from OCWEN dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX acknowledging receipt of my QWR2 Letter and stating, " while most requests are addressed within 10 business days, some requests may require additional time. In the event we are unable to issue a complete response within 30 days, you will receive a letter indicating additional time. '' To date ( XXXX/XXXX/XXXX ), in violation of the Real Estate Settlement Procedures Act ( RESPA ), codified as Section 2605 ( e ) of Title 12 of the United States Code, specifically under Section 1024.36 ( d ) ( ii ) ( 2 ) ( A ) of Regulation X of the Mortgage Servicing Act, as amended by the CFPB pursuant to the Dodd-Frank Act, OCWEN failed to provide me within 10 business days ( after receipt of said request and demand for information ) the identity of, and address or other relevant contact information for the true owner of my mortgage loan. Likewise, pursuant to 1024.36 ( d ) ( ii ) ( 2 ) ( B ), OCWEN failed also to provide a complete response with all of the other information within 30 business days. There was no letter whatsoever from OCWEN requesting for any extension of said deadlines. OCWEN just completely ignored my QWR/Debt Dispute letter ( s ).
Bank funded more than the car loan was supposed to be : XX/XX/XXXX - purchased a car from a local dealer using a USAA loan - Dealer sent correct purchase information to USAA for the balance due of {$22000.00} XX/XX/XXXX - Loan shows up on my USAA account for {$5000.00} more : {$27000.00} - USAA admits the dealer sent over the correct amount and that the error was on USAA 's side - The only option USAA is giving me is to : a. Take out a new loan with USAA for the correct amount, which they will use to pay down the original incorrect loan ( yes, a new loan application and everything that goes with that, including reporting it to the credit companies ) b. USAA will then ask the dealer to refund the {$5000.00} sent in error c. Once the dealer refunds the money, USAA will pay off the remainder of the original loan USAA is insisting that I have no other option. They said they will let the credit agencies know what happened, but that doesn't chance the issue with a loan in my name that I did not authorize. 

Do I have any recourse to get them to correct the loan without leaving the extra {$5000.00} loan in my name pending the dealer 's refund?
I was given a Reverse Mortgage by XXXX group in XXXX of 2009 six months after I purchase my home for {$50000.00}. XXXX group or Reverse Mortgage Solutions told me I could do a reverse mortgage for {$100000.00}. I have recently found out that they did a double mortgage on me for {$210000.00} back in XXXX of 2009. I ask Reverse Mortgage Solutions to send me over all documents related to this account in Fair Debt letter but they refused and file forclosure papers after I found out what they had done. Im a senior citizen and I think I may have been a victim of mortgage fraud my house was only worth {$50000.00} when I bought it and no house in my neighborhood as ever sold for {$210000.00}.