WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX allegedly executed an assignment of mortgage on XXXX/XXXX/XXXX and alleges that XXXX was the assignor and XXXX was the assignee. This document was not recorded in the XXXX XXXX records until XXXX/XXXX/XXXX and the document was NOT recorded by XXXX The document was recorded by XXXX XXXX XXXX and prepared by a known robo-signer and false document mill by the name of XXXX XXXX. The document states that it should be returned to XXXX XXXX XXXX after being recorded. There are XXXX loan numbers on the assignment. XXXX belongs to XXXX XXXX ( XXXX ) and the other belongs to XXXX ( XXXX ). There is also a min number ( XXXX ) on the document and the first XXXX digits of the min number are the company number for XXXX XXXX XXXX. At the time this document was prepared and signed, XXXX, had in fact been defunct for 2 years. XXXX merged and became XXXX for name purposes only in XXXX. When the assignment was executed, the loan was with XXXX XXXX and there was never an assignment of mortgage made from XXXX to XXXX XXXX. When this document was recorded, XXXX fully purchased the loan from XXXX XXXX. This assignment of mortgage is a fraudulent document. XXXX , Inc nor XXXX has ever had a license in the state of Fl. to service, lend or perform any functions regarding to mortgages. XXXX or XXXX, did not have the authority to assign my mortgage to XXXX. This document was signed 2 years after the co. was defunct and this company was never a member of XXXX.The company that prepared the assignment is XXXX XXXX and this is a known robo signer and fraudulent document mill. There are XXXX different companies involved on the assignment of mortgage.I have a statement from an employee at the company WMC Mortgage which is now the company for XXXX in regard to a QWR I sent stating " XXXX nor WMC would have the duty to respond as neither was your loan servicer ''. How did XXXX have the authority to assign my mortgage to XXXX when XXXX was not the servicer or the owner? It is my understanding that an assignment of mortgage has to be made by the owner or original lender, otherwise my next door neighbor could walk into the court house and assign the mortgage to himself.Why would a company that did not own my mortgage execute an assignment to XXXX in XXXX, which they were not a member of and then wait until XXXX to record the document in the county records? The mortgage was not even placed into the XXXX system until XXXX/XXXX/XXXX and this was done by XXXX XXXX XXXX. XXXX has refused to provide me with an acceptable response in this matter and I find it odd that no one seems to be able to answer a simple question ... Who is the lender?
On XX/XX/XXXX, I went to an ATM at a XXXX store and made a withdrawal of {$200.00} from my checking account. However, the machine ran out of money and only disbursed {$20.00}. I tried again and this time the machine said it could not disburse any funds. When I checked my account by phone I saw that I had been debited {$200.00}. I called my bank, USAA and filed a complaint. 

They said it would take 5-8 business days to refund my money. This is unacceptable. What if that had been my last {$200.00} until payday. 

When I called a second time on XX/XX/XXXX, I was told the error had still not been assigned to anyone and I would get a provisional refund on the day it was assigned. I was told there are a lot of these errors and they have a whole department dedicated to tracking them down.
Requesting a full audit, in terms of discrepancies, illicit practices, payments and balances.
I would like to file a complaint against Equifax for consistently reporting erroneous information regarding my credit report. This agency has continually reported outdated erroneous information and all the while omitted or blundered good information. I have reached out to them several times but they have not challenged the creditors and to boot have adversely reported good information. By the way all other agencies have complied with fair credit reporting policies, that 's why the other agencies have consistently reported my credit score higher than Equifax. 
Creditors in question are XXXX XXXX XXXX, and XXXX CA XXXX. Equifax is reporting the XXXX XXXX XXXX XXXX items as having received the last payment in XXXX, which is incorrect. The last payment XXXX received from me for these XXXX accounts was XXXX XXXX which means that these items should have been removed by XXXX of XXXX. Regarding XXXX CA XXXX, this account is totally out of compliance as of XXXX XXXX as it is beyond the mandated XXXX year maximum reporting period.I have an account with XXXX for XXXX that I am paying on time and miraculously Equifax has omitted its status, but XXXX XXXX XXXX have reported it in good standing. It has been emotionally challenging dealing with Equifax as they repeatedly report erroneous information that I have to use my days off in order to attempt to get them to correct. At this juncture I am appalled by their negligent reporting practices and am seeking your assistance to force them into correcting their credit reporting errors, and to remain compliant in the future. 
Sincerely, XXXX XXXX.
XXXX XXXX the manager at regional fininance on nacogdoches was very aggressive over the phone and when I explained I would not be able to pay and to only communicate with me in writing I said he will continue to call and did n't care if reported his behaviorAt this point he is violating the fair debt act by calling after my requests to only be contacted by writing
I submitted an online application for a VA Home Loan to XXXX XXXX, Sr. Mortgage Consultant, Affinity Mortgage, LLC XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , KS XXXX Direct Phone : XXXXFax : XXXXEmail : XXXXXXXXXXXXVisit our website and apply online at www.affinityhomeloan.comAnd, I would like to report them for possible fraud.
There were unauthorized charges on my account. I reported this information to Suntrust. Yet, they failed to investigate this information and update my account including putting my money back into my account. Ive called several times and was placed on hold. Nobody could give me any information on the fact that they investigated this claim. These charges left my account in the negative of over {$800.00}. I have a good account history and I shouldnt be held responsible for a mess that I didnt create. When I signed up for this account, I was informed that they had a FDIC insurance policy to cover these type of situations. However, they havent done anything in regards to my dispute. Im starting to think Im being racially profiled as if because Im XXXX XXXX that I dont matter.
I 'm still in school, getting ready to do my internship. I have tried my best to find a job but their is no jobs out here.My father was on his job for 19 yrs and the company downsize his department and he was let go.So he 's not working and ca n't find work just imagine my dad at age XXXX years old he has lost his house and everything he owns.He was going to help with loan.Soon as I finish school I will start making payments. I told Navient that I even ask can I get deferment or an forbearance but they told me no. I 'm getting harassing phone calls on a daily basis from morning until XXXX XXXX to XXXX times all evening.
My vehicle loan, with Ally Bank was paid up XX/XX/XXXX. Calling for title is the only way you supposedly can get it.XX/XX/XXXX-XXXX XXXX, called, punched buttons - title promised 8-10 days ; end of 8-10 days - no title! XX/XX/XXXX -  XXXX XXXX-called again, punched buttons, title promised 8-10 days. End of 10 days, no title. XX/XX/XXXX-called again, punched buttons requesting title - end of time frame - no title.
Compared with other problems, this might sound minor, but Citi is being very misleading in how it represents the minimum payment option. There is now a bar graph that shows my full balance of {$2300.00}. It shades a portion to show the statement balance of {$640.00}, as well as another shading to show the minimum payment of {$25.00}. The statement balance shading portion for the statement balance is representative, in that it shades about 25 % of the bar ( {$640.00} is about one-quarter of {$2300.00}. However, the shading for the minimum balance is close to half of the statement balance! Clearly, {$25.00} is nowhere near half of {$640.00} ( in fact, it 's about only 4 percent ). 

To me, this is a clear attempt to trick people in to paying only the minimum balance, with people thinking they are making a bigger dent in their credit balance than they actually are. This will allow Citi to continue to collect interest on a much larger balance, while the consumer thinks he is paying down the balance.
Upon pulling my Annual Credit Report i have noticed a listing with XXXX credit bureau from Eastern Account Systems for XXXX. The listing stated under the comments that is was for XXXX XXXX service. I submitted a dispute with XXXX Credit bureau because i do not recall ever owing a bill to XXXX XXXX service provider. I have recently acquired an account with XXXX XXXX for Internet and cable services. Upon applying for service the representative pulled my credit to be sure i would get approved for service with them. I told the representative about the alleged bill with Eastern Account Systems that is listed on my credit reports for an account with them and asked would he be able to see if i owed them a balance internally. The representative informed me that after doing an extensive search with my social and name that he did not see anything in their system for me. He also informed me that if i had an old account with them that is not showing up in their system it would ONLY be because the account is outside of the statute of limitations. A debt that long ago XXXX legally could not go after and that would not keep new customers from opening new accounts with XXXX. He also stated that i should definitely look into this matter because this account was not ASSIGNED to Eastern Account Systems by them and that if this debt happened to be ours it is by now outside of the statute of limitations for any collection agency to collect on anyway!! He also stated that this agency should know the collection laws and should be abiding by them.
The moment you are 15 days late on your car Payment US. Bank call the house no exaggeration 7 days a wee 2 times a day harassing you for the payment. I have the phone records to prove as the number purposely comes up unavailable because they know what they are doing is wrong calling a person as many times as they do and they need to be reported and stopped.
On XX/XX/2018 I was married to XXXX XXXX XXXX, the man with whom I share a Chase account and a Chase mortgage On XX/XX/18 I made an ACH deposit for a venue run by XXXX events for the rental of a cmvenue for a birthday party On XX/XX/18 I wrote a check to XXXX XXXX XXXX   for their services as actors for a murder mystery party for my best friends XXXX birthday party. The words " murder mystery party '' were in the memo. 
On XX/XX/18 I applied for a name change with the secretary of state to legally change my last name to XXXX On XX/XX/18 I tried used my Chase Sapphire Reserve card to purchase dinner, and the card was declined. I also tried to use my debit card with the same result I assumed this was related to my name change so I went to a Chase branch immediately with a copy of my marriage certificate and the receipt from the secretary of state office in an attempt to resolve the issue. The teller looked at my account info and said that the issue with my account was " above her pay grade '' and gave me a number and a case number. I called the number and was asked if this was regarding a letter that I was told I had received. I have not received a letter. I explained that I did not have a letter and I assumed this was related to the name change. 
I was told that Chase has decided to no longer do business with me. They are cancelling all of my accounts. I was told the decision is not reversible. I do not have any negative balance. I have not deposited large amounts of cash. I have not sold any points or opened any accounts. I have read through all of the possible reasons Chase could have used to close my account and none apply. The did not call me regarding any issue, so for them to just close my account was compromised preposterous. I'm certain this was just a misunderstanding relating to the murder mystery check or my name change. I really wish they would reconsider.
I contacted Quality Acceptance LLC in Febuary XXXX for a voluntarysurrender/repossession due to transmission almost completely goneI informed their collection agent XXXX, in XXXX XXXX that the car was in storage and I was fearful of moving it. I gave her the location and we agreeded that on the XXXX of the month I would pay storage call them immediately they could pickup the car and I take my possessionsthat were in the car this did not happen they picked up the car ahead oftime and refused to give me any information regarding the location of carand what I needed to pay in order to get my possessions back. I wrote to themthem XXXX times I ask them if they still had the car?? and I disputed their report that it was an involuntary repossession.After receiving my credit report asking them if they still had the car. I got no response I wrote tothem XXXX more times XXXX requesting validation of debt and XXXX goodwill/validation of debt still no response I have copies of letters and certified documentation that letters were delivered. In XXXX of XXXX they reported I owed them {$3600.00} In XXXX XXXX they reported I owed them {$5400.00} and reported it as a total loss. I have not had the car since XXXX XXXX they did not respond to my disputes that this was a voluntarysurrender/repossession initiated by me in XXXX. I have disputed this not only with the company several times but with XXXX and EQUIFAX without any results expected for them to say they investigated and It remain the same. This is not true and accurate information the car had major repair problemswithin 9 months of purchase I initiated a voluntary repossession/surrenderin XXXX of XXXX they took possession of car in XXXX or XXXX of XXXX prior to our agreement that I would pay storage, remove my possessions and call themimmediately for them to pick up car as a voluntary repossession/surrender The Company Quality Acceptance has not engaged in Fair Business Practices and XXXX and XXXX also did not engage in the Fair Credit Reporting Act in which I have the right to dispute incomplete or inaccurate information This was a voluntary surrender/repossessionwhich I have disputed since XXXX with no resultsdocumentation that I sent them
First, this is so stressful and disheartening that as a consumer my rights are constantly being violated. I have been dealing with these issues for over 9 months. I am including ALL 3 BUREAUS IN ONE COMPLAINT!!! 
XXXX, had a MAJOR problem with stalling disputes by sending FRAUD DISPUTES LETTERS. I am sending these letters from MY HOUSE, Signing them and enclosing my identification. Exactly how on earth is this a FRAUD DISPUTE? DO NOT SEND ME THESE LETTERS AGAIN!!! I have filed several complaints with them with the BBB & CFPB they always reply with ( they need more time ) one time even replying that they were investigating a BANKRUPTCY. I HAVE NEVER FILED BACKRUPTCY. 15 DAYS IS MORE THAN ENOUGH TIME TO SEND ME INFORMATION REQUESTED OR REMOVE THESE ACCOUNTS. My biggest issue with XXXX is them verifying accounts and not sending me documentation of HOW they were  verified. 
First XXXX I have contacted this company myself after disputing with XXXX and XXXX several times and asked them to furnish me with the same information they have furnished the credit bureaus because i KNOW for a FACT it is inaccurate. No response. XXXX and XXXX still tells me this account is verfied. It needs to be removed IMMEDIATELY. 

XXXX XXXX XXXX same with them. Equifax put the burden on ME to validate this debt with thr collection agency. They DID in fact submit me witb documentation for an XXXX XXXX. This account is NOT MINES and needs to be removed. 

I Also sent Equifax and the following collections agencies ( professional credit and credit bureau ) services letters stating that i felt that my hippa rights were violated. I requested a medical release form that i have NOT recieved. Under hippa my medical information is protected. Equifax needs to remove ANY medical bills immediately unless they can furnish me with a medical release form. 

Also on ALL THREE BUREAUS the department of education is reporting several late payments on my account. An account that has been closed and transferred. They recently just updated this account with an 120 days past due warning. How is that even possible and this account has been with another agency over a year. This account needs to be removed from all three bureaus. 

This is exhausting that as a protected consumer i am getting all kinds of run arounds with MY CREDIT. This is causing me major stress and sleepless nights. This is my last letter before filing a lawsuit. I can not keep doing this back and forth.
On  two occa sions this year, once in  XXXX  and once in  XXXX  I contacted  Convergent Outsourcing to remove a debt from my credit file. I have never entered i nto a contract with Convergent so therefore by law they are not legally allowed to report to my credit report or attempt to collect on a debt.   XXXX   Convergent has since contacted me twice and stated they have verified my debt. But still no signed contr act between the parties. What they did send was a copy of a bill from  XXXX  therefore not validating the debt.
Was contacted by phone in XX/XX/XXXX, threw conversation with a person from the company determined that my social security number and date of birth that I was not the person they were looking for. The debt owed was for college loans and I never went to college.They continued to mail me letters asking for payments, that are not mine, at least three or four letters, the last dated XX/XX/XXXX. I have called at least three times and asked them to stop harassing me. Each time we established I was not the person they were looking for and they said it was taken care of.
Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX, XXXX, XXXX, XX/XX/XXXX, BALANCE {$25.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$950.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$430.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, BALANCE {$0.00} MEDICAL, XXXX, XX/XX/XXXX, BALANCE {$32.00} XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00}
I have had issues with the proper reporting of my home mortgage. My credit report is not correct and I was told it would take 30 days to correct. This has been going on for months now. Please reflect an open BB & T mortgage with XXXX late payments
I received a prepaid XXXX from a company called XXXX on XXXX XXXX, 2018. It already had my babe embossed on it. I couldn't get through to a live representative because the voice machine wanted me to provide a card number or my social security. I gave the card number but it tried to get me to activate it using my social which I was not going to do. I was worried that someone has fraudulently applied for this card in my name. If not and the company just sent me a card like this without any request then I feel that is a security risk. What if I hadn't lived at the address or someone else managed to activate this card they sent me?
In correspondence dated   XX/XX/XXXX    , I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
I continue to receive phone calls that are automated requests seeking debt collection for my sister. My sister does not live with me in  XXXX , TX. I initially passed this information along to the collection agency, but they have n't stopped calling me. The latest phone call was today,  XXXX   XXXX ,   XXXX  , and I receive about  XXXX  calls a week unless I call back to complain. Then they do n't call me for another  XXXX  weeks before it 's   XXXX   times a week until I call them back, repeat and do it again.     The phone number calling me is  XXXX   XXXX . The lawyer in charge of this account is named  XXXX   XXXX . He is a smarmy  XXXX  who thinks that since an automated system is calling me, and not  XXXX   XXXX  himself, that he should n't respond to my requests that he stop harassing me.
I was a resident at XXXX XXXX and moved out and was then sent a bill over {$1000.00}. I had no idea why. I contacted XXXX XXXX and was told that the apartment complex was under new management and owners and they had no knowledge of my debt. I asked for the former owners information and they were unable to provide me with that. The amount then went to collections and I corresponded with the agency to find out who owns this debt so I can figure out whats going on. They would n't release any information but stressed the fact that they did not own, they were only collecting the debt. After a few back and forth, I ignored them because it was going nowhere. Fast forward to XX/XX/XXXX, I started repairing my credit and this debt comes up again. I signed up with XXXX XXXX and they acted on my behalf to clear deliquent things off my report. The collection agency once again sent a notice stating the debt was valid but the information I got which was apparently submitted from XXXX XXXX XX/XX/XXXX, was false. The employee forged information and submitted fees for stuff that I never knew existed. She claims I moved because I got a pet which was false. She also changed dollar amounts on paperwork to reflect a ridiculous amount of charges. I contacted the agency and they told me to contact the company who submitted the debt ( XXXX XXXX ). I contacted them once again even though I knew what the response would be. Email response below : XXXX XXXX XXXX ; XX/XX/XXXX at XXXX To XXXXXXXXXXXX Message body Hi XXXX I am sorry you are having such a hard time resolving this matter. The company that currently owns and manages XXXX purchased the property XX/XX/XXXX. We do not own your debt and would not have access to your records. I do not know who owned the property when you lived here. 
Sorry I can not be of more help. 
XXXX XXXX XXXX, XXXX, XXXX Property Manager XXXX Apartments XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX XXXX visit us at XXXX I am stuck and going back and forth with XXXX XXXX and the collection agency. I hope that I can get more information as far as who owns the debt and who I can dispute this amount with. The false claims really are what have me in a bind.