WillisBack/dataset-financial-user-claim huggingface dataset:
THIS IS NOT A DUPLICATE COMPLAINT! XXXX XXXX XXXX RAISED ADDITIONAL QUESTIONS! XXXX XXXX XXXX stated in CFPB complaint # XXXX that First American responded to each of XXXX XXXX 's several complaints. The facts are : this complaint asked the following questions. Is n't it a fact that all original mortgage documents are suppose to be sent to the lender by XXXX, XXXX or USPS with tracking. I further asked ; is n't it a company policy of First American to maintain accurate records. Now ; per your written response date XX/XX/XXXX, you failed to answer all of our questions. 1st ; is First American aware of 18 U.S Code 1001,  false statement? Yes or No! 2nd ; is it safe to assume that when a company sends a title transmittal ( cover letter ) the letter will state in the transmittal letter every document that is being sent? Yes or No! 3rd ; did XXXX XXXX XXXX state in the title transmittal that First American enclosed the original Deed of Trust with the Policy of Title Insurance? Yes or NO! 4th ; is it safe to assume that since the original Deed of Trust was not mentioned in the Title Transmittal, the original Deed of Trust was never sent with the title transmittal? Yes or NO! 5th ; Is n't it a fact that all original mortgage documents are suppose to be sent to the lender by XXXX, XXXX or USPS with tracking. Yes or NO! 6th ; is n't it a company policy of First American to maintain accurate records. Yes or NO! 7th, where ( what location ) within the closing instructions reflect that the lender, XXXX XXXX XXXX stated to send the original Deed of Trust with the policy of Title Insurance as you stated in a previous CFPB complaint? Please answer our additional questions. Be informed that your answers provided will be used for court purposes!
XXXX    XXXX   IS REPORTING THE ACCOUNT #  XXXX  WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE.   ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED  XXXX    XXXX   SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF  XXXX  WHEN IT WAS REPORTING  XXXX  OF  XXXX  AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO  XXXX  CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING  XXXX    XXXX   TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS
Convergent and XXXX XXXX XXXX continues to place me in collections for debts that are not mine. The are now claiming that I owe XXXX XXXX XXXX for an XXXX XXXX XXXX XXXX debt, and I have never done business with XXXX XXXX XXXX XXXX. When submitting a dispute with Convergence or XXXX, the do n't provide proof. They send a letter stating that it has been verified, but no proof accompanies the letter. When I dispute a debt with the various credit reporting agencies, Convergence turns things over to XXXX or XXXX of their other companies or, visa versa. At this time, Convergence is trying to collect for XXXX. This is a never ending, vicious cycle and it has been going on for years. At this time the collection company contacting me is Convergence Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The Client Account # that they assigned is XXXX. I am formally disputing this debt. I pray that they do n't send it to another XXXX of their many companies in an attempt to continue hassling me, in an attempt to get me to pay a debt that is not mine, just to make them go away, or so that they do n't ruin my credit.
I wo n't go into it but citi pulled XXXX and denied based on my number not being on my fraud alert. XXXX XXXX conjectured that she could n't remove the inquiry but I applied again when confirmed physically by experian that the number was reporting. This time they demanded XXXX. Classic bait and switch, I RSVP to the XXXX CFPB meeting for the public and I have lots of documents to handover on consumer protection violations. Citi needs to learn Dodd-frank and refrain from attempting to school me on it, XXXX charlatans as they are now want Equifax go figure sounds like ECOA violation retaliation because I filed a dispute. In contradiction to the CCPA.
EA Uffman & Associates CSD CollectionXXXX XXXX, LA XXXXXXXXCheck my credit ( causing another inquiry on my credit report ) that I never approved. I want them to recant that and no longer be allowed to use my credit info in any capacity not only do I not owe then anything but I have not applied for anything from them.
Premier Recovery Group has been contacting me without properly displaying their company name and phone number on my caller ID. Most recently, XXXX XXXX, 2015. They also failed to identify the company 's name and spoke faster to the point I could not understand.
I am in a FEMA declared disaster area from Hurricane Irma. I am currently on a disaster relief plan with my mortgage company, Mr. Cooper at which time they are to suppress credit reporting and they have not done so. They reported my account delinquent. I would like this corrected and insured it will not happen the next two months.
Submitted my financials and modification request to Shellpoint mortgage several times. I've retired because of bad health, my interest rate is adjusting out frequently and I'm on a fixed income I don't want to loose my home Shellpoint has been difficult to work with.
We purchased a home and had a mortgage through XXXX XXXX XXXX. 
Late 2014 our home loan was sold to BSI Financial. 
With XXXX XXXX XXXX, we were never behind in our monthly payments. 
Before BSI even gave us a monthly statement, we recieved word that we were behind in our morgage. 
Furthermore, we did not recieve a morgage statement for XXXX or three months, so we made our monthly payments to XXXX XXXX XXXX in the mean time. This payment was some {$6000.00} dollars. 
THEN, BSI was given the money we had paid to XXXX XXXX XXXX, but instead of putting it towards the morgage statements for the months we had paid XXXX XXXX XXXX, they put that money into a PARTIAL PAYMENT ACCOUNT. This account was never linked with our " overdue '' account balance and perpetually showed that our account/morgage payments were " late. '' We have contacted BSI monthly. Weekly sometimes, asking " WHERE IS THIS MONEY?? AND HOW COME IT WILL NOT APPLY TO OUR MISSED PAYMENTS?? '' They simply tell us we are late. " WE ARE LATE. '' That is their answer. We ask how are we late when there is money to pay the late morgages, and they tell us " we are late and we need to be 'caught up ' before they can work with us. 
WE STILL HAVE NEVER MISSED A PAYMENT!! Yet we are always late because the money that we paid XXXX XXXX XXXX, which was then given to BSI, was NEVER APPLIED TO OUR MORGAGE. 
ALSO!!!!! We have a DEFERED INTEREST ACCOUNT that containes {$7900.00} and when asked what this money is going towards, and why it does not apply to mortgage, they WILL NOT answer the question. Repeat : THEY WILL NOT answer the question. 
BSI is hurting us financially and economically. We would like this money to be applied to our mortgage so we are " Caught up '' and not " delequent '' as they falsly state.
Based on my research, my previous mortgage was with GMAC, which is no longer in business and later discover a third party debt collector, which I have been paying the monthly alleged mortgage on time consistently, I 've notice that in XX/XX/XXXX 2017, which is 1 month of monthly payment was not applied and the payment was returned back to me. However I am paying my taxes and insurance myself on time and no longer in escrow. I also receive more information in regards to Ocwen loan servicing is in violation of Respa, Preditory, Truth n lending, and no consent order or license to collect a debt in the state of Maryland under MD Commissioner Finance office as a third party debt collector. which needs to investigated more.
Citibank decided on their own not to send me more paper statements apparently because they received a returned letter from USPS. I have not moved in more than 5 years, so I dont know why that happend. Problem is Citibank didnt notify me by email, or phone, so there was no way for me to know that. In the meantime, I was being bled with abusive fees that I was not aware for almost a year.
Please disregard the Apartment Bill in this attachment which is page XXXX. My concern is these inquiries in which I had no part in giving authorization to pull my credit report. Please can you look into why Equifax could n't remove inquiries that I had no clue was going on with my credit report.
This is not my debt and I never even received a debt collection letter. I received an electronic notification from XXXX XXXX that this collection agency added a delinquent account to my credit reports. 

I want this company to produce ALL information, contracts with my signature, account summary from the original creditor, information showing the date this account became delinquent, and the date this account was originally placed for collection.
Citimortgage increased my mortgage payment by {$210.00} per MONTH which Citimortgage stated started XXXX XXXX, XXXX. I did NOT receive any notification from Citimortgage that my mortgage had increased by {$210.00} per month. My XXXX and XXXX payments were made through my bank. My payments were sent and received by Citimortgage ONTIME, but as Citimortgage is legally allowed to do Citimortgage did NOT apply the payments, but declared me in default of my mortgage. 

Normally Citimortgage notifies me two full months in advance with a legal sized colorful form explaining any increase or decrease. The first I learned of the increase was when I received my credit report, and noticed that a Lien was placed on my property for {$220.00}. I called Citimortgage to see if they had placed the lien. Citimortgage said they had not, but informed me that my payment was late. I was shocked as all my payments are scheduled by me to be paid directly to CitiMortgage from my checking account, and the money had already been taken from my checking account. 

I was further informed by Citimortgage that the outrageous increase was because both my property taxes and my house insurance had increased. I called the XXXX XXXX XXXX office and was informed that my XXXX taxes for the year was XXXX, and that my XXXX taxes for the year was REDUCED to XXXX. This is a decrease of {$5.00}. I called XXXX. I was informed that my house insurance for XXXX was XXXX. As of XXXX XXXX there was an increase XXXX, a difference of XXXX, per yr or XXXX a month, NOT {$210.00} per month. 

Citimortgage sent me a refund of over {$500.00} about three years ago. I thought there was a law against banks OVERCHARGING customers and then sending a large refund. This was an interest free loan. Citimortgage has never given me anything free. To date Citimortgage has NOT sent me a formal written explanation for the MONTHLY increase. This is a scam. Please help me resolve this with Citimortgage. 

My mailing address is XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. The XXXX XXXX was notified the end of XXXX or the beginning of XXXX. I was NEVER lost from Citimortgage. I have called Citimortgage three times concerning this. The Home is located in Ga, XXXX XXXX XXXX, XXXX. The loan number is XXXX. I am a XXXX yearly female Veteran. 
Thank you for helping meSincerely, XXXX XXXX
XX/XX/XXXX thru XX/XX/XXXX BB & T bank received wire from international correspondent bank in XX/XX/XXXX. Since then numerous fees in the amount of $ 97,000.00+ have been requested via email to be paid for release of beneficury funds. These monies are asked to be sent to XXXX XXXX & XXXX and business accounts. upon research business are all small and varied states. All emails come from BB & T board members emails. 

Another person contacted me as he too complained of the same problems with his wire from same correspondent international bank to BB & T.
I requested and got approved for a {$600.00} loan from a company called Mobiloans. I told them I got paid once a month and they said that would be ok and would take out payments on the XXXX of each month. Now they want me to make XXXX payments a month. I can not do this. I called them and they said all customers were required to make XXXX payments ( minimum payments ) every month. When I tried to log in to mu account I could not because my login information was not correct. I requested a link to change my password and did not receive an email with a link for the password change. This happened 3 times in a 45 m, inute period. I called the customer service number and the representative said that I could change my payment options, but had to do this 4 days before payment was due. This is 2 days before payment is due on the XXXX of XXXX Payment has already been submitted to my bank which will not go through because I have no money in my account. I will also get charged bank fees for the returned payment and overdraft fees. I then read consumer complaints about Mobiloans, and I only wished I had done this before I trusted this company. I was in a financial bind and just took their loan. I am going to see if my bank can do anything about this, but I do n't know. 
Other information that was not made clear to me was that my minimum payment only covered their fee and would not go towards my loan unless I made more than the minimum payment. I can not do this and so will probably be paying this company forever, unless I suddenly win a lot of money which is not likely because the extent of my gambling is to enter the XXXX. I am XXXX and on a very low fixed income and can not work due to XXXX.
I sent a letter to ATG CREDIT letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and ATG CREDIT refuses to delete the fraudulent accounts from my credit report stating in a letter its verified ATG CREDIT provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Sears representatives fraudulently processed a home improvement account in my name. My wife, XXXX XXXX, requested a Sears home improvement account and I provided my driver 's license number as a co-applicant over-the-phone. My wife could n't secure the amount of the home improvements so instead of an account in my wife 's name, it was processed in my name only. XXXX XXXX XXXX told her District Manager in XXXX, LA that my wife signed my name which if my wife did and she did n't that would still be fraud that XXXX XXXX XXXX, a Sears rep, was aware of. 

On XX/XX/2015 at my wife 's and my residence in XXXX, LA, I explained to XXXX XXXX XXXX that the home improvements are for my wife 's mom 's house and my wife only has a 20 % interest. I asked that Sears expeditiously complete the work or refund my wife 's money. I have no claim to my mother-in-law 's property and was willing to be a co-applicant if my wife qualified for an account. 

When my wife did n't qualify for the Sears home improvement account, Sears did n't ask me in advance if I would be willing to be the sole applicant which I am not willing. I believe I should have been asked before a Sears home improvement account was processed in my name and XXXX jobs were assigned against it. 

On or about XX/XX/2015, I asked XXXX at XXXX to cancel my Sears home improvement account. XXXX told me that she closed the account. She said that my wife, XXXX XXXX, should work out alternative payment plans with Sears to receive the windows and doors as well as siding. My wife decided to limit the Sears home improvement to the windows and doors and was instructed by a Sears rep to use my closed Sears home improvement account number XXXX. On XX/XX/2015, the day before the windows and doors were to be installed, the installer thought he was going to do the job on XX/XX/XXXX-XX/XX/2015 but Sears put the job on-hold later that afternoon. Sears reps wanted me to call XXXX and activate the account that I did n't request. I did n't want to activate the account or give validity to it. 

We have asked Sears/XXXX for a {$8300.00} refund in full for the windows and doors that Sears home improvement placed on-hold and we want to use an alternate source because of how Sears reps have treated us. 

I have asked XXXX at XXXX to receive a copy of the Sears home improvement application that initiated my XXXX account and told her that a Sears rep mistakenly instructed my wife to use this account when making alternate payment plans. We are stuck in a situation where XXXX does n't want to release my wife 's {$8300.00} and Sears does n't want to perform the work all based on a fraudulent Sears home improvement account in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX
There are unauthorized inquiries on my credit report. I requested that they be removed. However, they are still there.
Portfolio Recovery is reporting Inaccurate information on my credit profile. Please delete account immediately This company continues to report inaccurate information to the three credit Bureaus ( XXXX, XXXX  & XXXX ). I have contacted Portfolio Recovery and requested this information be corrected and deleted from my credit file. Some of the errors are as follow : Date opened, Last date of Payment, Amount owed and payment history. Due to this company 's negligence in reporting my credit profile has suffered tremendously. I have made several attempts to correct this with Portfolio Recovery but to no avail. I had a perfect payment history with the original creditor XXXX XXXX for over 3 years. When I originally opened my account I opted to enroll in the payment protection program for an additional monthly fee. I paid this fee every month for over 3 years. Unfortunately I lost my employment the end of 2013 and requested the payment protection be applied to my account. The payments were not made for the duration my contact said they would which caused my account to go delinquent and eventually be charged off.
I have a number of issues with my new loan service provider XXXX. 
1. They do not provide bill pay access to Banks. So I have to log into their system to pay my bill. 
2. They do not list under my account the amount I need pay each month. I assume it is the same as under XXXX but can not find it. Nor have they ever provided me with a pay by date. I do not know when it is due. 
3. I have not been able to get email statements despite trying to sign up for it numerous times. The system says I require 2 emails, 1 or the account and 1 for the my statements. I only have XXXX email account. 
All of these issues combine to make it a big hassle to pay. And the only reason they do this is to make money, hoping I am confused and pay the wrong amount or fall behind. By far the most hassle I have every had to deal with in paying bills. Worst then a car loan, worst then my home loan, worst then my credit card. A total lack of information provided about my account online and extremely difficult to contact.
A XXXX XXXX debt has been placed on my credit report that is not mine. XXXX XXXX has verbally confirmed it is not mine, but refuses to provide me with a letter stating so. The account was sold to CBE Goup XXXX. XXXX XXXX XXXX, IA XXXX, when asked to confirm ownership of account with XXXX the refuse to do so. XXXX is also refusing to contact CBE Group. XXXX states that a SSN was not provided to CBE, therefore I do n't understand why it was posted to my bureau.
In XX/XX/XXXX or before I opened a BOA card for emergencies. I got married in XX/XX/XXXX. I did not realize before marrying this guy he was abusive. He used my card with out my knowledge for years, because I was not allowed to get the mail I did not see the bill. When he maxed it out I saw the bill because he refused to pay it. I called the company and told them what happened and all they would do is set me up on a payment plan. I did not realize I was not liable if I did not authorize him to use it. I thought because we were married there was nothing I could do and they did not tell me I could do anything. We have been divorced not for about 5 years and when I moved out I took only my clothes so my son and I could get away. We moved to another state in hopes he would not follow us. As a result I could no longer pay this bill and was told I should not have to by other people so I decided to not worry about it. When the company called I told them the situation again and they said that I had to pay. I tried to tell them I did not authorize him to use it but they did not care. Now they are suing me. They should sue him for fraud.
I have submit the CFPB complaint XXXX-XXXX  to request the evidence. 
However, XXXX XXXX XXXX Director Customer Service Freedom Mortgage Corporation said " We have reviewed your complaint and researched the issue regarding your request for documentation. Since you are in litigation with a third party, we would need a subpoena from you before we can release the requested information ''. 
So I filed a subpoena and use process server to served. 
However, till now neither the court clerk nor I received the documents. 

Thanks a lot XXXX XXXX
Transunion has credit inquires that I did not authorize on my credit report XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX. 
XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX
This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Original Creditor : XXXX XXXX XXXX Balance : {$700.00}
I am filing a complaint on american express because they are giving me an issue in getting my social security updated. I have faxed them on several occasions a copy of my id and social security card and they are claiming that the fax is coming to dark. I have lightened up the card on several occasions and they continue to give me excuses.
I tried to use card which does n't have any balance due. I email USA bank for this  XXXX  card and was sent a email back that card was cancelled but by no person. Card is still listed as having {$1000.00} available I sent in several other messages but no response. This has been a common problem with many of my accounts where charges appear and disappear but I get silly responses back.