WillisBack/dataset-financial-user-claim huggingface dataset:
The nature of the complaint is that the creditor failed to respond to a debt verification request made pursuant to the FDCPA. The basis of the dispute is that complainant was a victim of identity theft. In XXXX XXXX Complainant 's ex-spouse open a credit card account with USAA in his name, and the Complainant was unaware that the credit card account was opened. The XXXX decree was granted at the hearing on XXXX XXXX, XXXX and signed by the judge on XXXX XXXX, XXXX. XXXX days prior to the final order dissolving the marriage Complainant 's ex-wife transfers balances from XXXX of her credit card accounts to the USAA account. 
The complainant became aware of this once the balance showed on his credit report. He immediately filed a police report with the XXXX XXXX XXXX, TX police department. The case is being investigated by Office XXXX XXXX. He also filed a complaint with the Federal Trade Commission. On or about XXXX XXXX, XXXX the complainant through his legal counsel sent a written debt dispute letter to USAA requesting verification of the debt and specific documents to authenticate the account application. On XXXX XXXX, XXXX USAA responded that the credit reporting issues were out of its control referred the complainant to the credit reporting agencies and failed to provide any verification of the debt. 
The Complainant is requesting debt verification and damages and reasonable attorney 's fees pursuant to the FDCPA.
In XXXX I purchased property that included 2 parcels for one lump sum, parcel A & B which have their own legal descriptions, has 2 separate tax payments and is apparently considered combined property. The following recordings is what the county auditor provided me with in approx XXXX of this year as a result of my inquiry to their action of intent to foreclose notice to me on parcel B. They also said that the property is considered combined and just one parcel could not be sold indep. from one or the other but no explanation of how they would be entitled to foreclose B on me. List begins with : XXXX I am listed as grantor with XXXX listed grantee of deed of trust. Refinance with XXXX in XXXX. XXXX XXXX XXXX is grantor and deed assigned to XXXX, XXXX XXXX XXXX is grantor and XXXX assigned. XXXX XXXX XXXX grantor appointment to XXXX. Prior to XXXX both parcel tax pyments where made by lender/assigned servicer. In XXXX after refi with XXXX I assumed making the tax payments on parcel B. I believe as a result of the fact that parcel B was omitted from the legal description on the deed which I just recently came to know. In XXXX I refinanced with XXXX, in XXXX I got a loan modification from them under HAMP. In XXXX of XXXX I stopped making payments due to XXXX. I received notice of default XXXX XXXX, notice of trustee sale, [ auction scheduled XXXX XXXX XXXX ] XX/XX/XXXX from XXXX. Received notice of purchase of loan from XXXX master particp. trust early XXXX. Notice from XXXX that the servicer of loan assigned to Caliber end of XXXX [? ] but I believe no mention that loan had been sold. Since I refinanced my loan and received a loan modification with XXXX in XXXX and XXXX I assumed they would have been the holder of the title. But recording shows nothing about XXXX until XXXX? Several mortgage transactions have occurred since XXXX. With title searches assumed to have been done in these various transactions, the mistake of parcel B missing from orginal note not caught? Additionally, the county has my well as being on parcel A, it is located on B. The appraiser/assessor office shows pictures of parcel B in parcel A assessment. No pictures are provided of B. A comment is made on assessment of B that says no site charged, combined property, this comment could not be explained as to meaning. I apparently own parcel B free and clear as evidenced by it not being included on XXXX deed. Servicers had been notified that prior to XXXX both parcel taxes had been paid by myself. Due to the confusion I simply assumed tax payments of this parcel, not really knowing exactly why this occurred, and that they were cheap anyway. I believe the title is clouded or defective? I believe that XXXX master participation and assigned caliber home loans have no right to pursue foreclosure under quality 's initiated paperwork. I believe that my loan may have been a result of robosigning some where along the line. Included in my XXXX refi paperwork is a XXXX XXXX is signed on the pay to the order without recourse ameriquest [ along with [ XXXX ] which is apparently the incorrect spelling of her name identified in a XXXX investigation
Wells Fargo Home Mortgage have informed me, ( See letter attached ) that they intend to charge Mortgage Insurance Premiums on my mortgage at {$260.00} per month until XXXX XXXX regardless of the value of the property with respect to the outstanding mortgage, ( " ... .new appraisals will not be taken in to consideration. When I took out the mortgage I was told MIP was payable so long as the LTV was greater than 80 %. I was then told that the MIP was payable for 5 years regardless of LTV, which would be until XXXX XXXX : Now it 's XXXX. This is despite the fact that my house now values at {$400000.00} with an outstanding mortgage of {$250000.00} which is an LTV of 65 % as of today! I regard this as a predatory and fraudulent lending practice. I am being forced to purchase MIP when it is completely unnecessary which Wells Fargo is completely aware of, at {$3100.00} per year until XXXX! This is a deliberate oppression of the consumer.
MY COMPLAINT UNDER OPEN CASE # XXXX WITH THE CFPB, EXPERIAN STATED THAT THEY NEED ANOTHER 60-DAYS TO INVESTIGATE MY CLAIM. THIS IS IN VIOLATION OF FEDERAL LAW WHICH GIVES THEM ONLY AN ADDITIONAL 15-DAYS, NOT 60-DAYS.
This is in regards to the prior complaint that i submitted with this company with you on XX/XX/2018.  The itemization that Wakefield responded back with does not match the balances that are being reported to the credit bureaus. How could you state that i owe something in which i never received service from this company nor have i ever received anything from them. The four accounts that are being reported are account # XXXX for {$950.00}, XXXX for {$680.00}, XXXX for {$650.00} and XXXX for {$890.00}. When this was first provided back on XX/XX/2018 neither of these accounts nor the balance were provided on the itemization! I honestly feel as if this is fraud.
TD bank used time ordered deposits, this caused excessive fees due to lack of celresiting same day and lack of availability. over 18 months i was charged {$21000.00} in fees. Many were driven by nominal transactions on days when direcr depaoits were received
Dispute attachment ; Case No, ; XXXXVerbal communication ; XXXX 's / Ocwen Ombudsman XXXX ( XXXX ) pmDear XXXX XXXX XXXX : This letter comes as an attachment for your assistance and consideration within the processing and researching of unfair labor practices on the part of our Lender, Ocwen Loan Servicing LLC . / Homeward Residential. Recently I spoke with the Ombudsman Department for our lender who assured me that I would receive a follow up conversation from yourself within a 48 hour period via phone contact. With the hopes of your assistance acting on the part of mediation between the XXXX 's and the Ocwen loan servicing ( Home retention ) department, I was instructed to write you with our concerns. The agent whom I spoke with was both very compassionate as well as helpful toward a possible resolution to the resending of the sale of our Home. We discussed my concerns of requesting the recorded phone conversations of which I provided the date of the agreement and proof of phone record lasting a full period of XXXX minutes which precede the date of sale ; This call ( in my opinion ) was proof of an oral agreement made between myself and Ocwen as documented within the complaint dispute. I assured the agent of our sincere understanding that, we did n't believe Ocwen was accountable but Homeward who made the error during " as he stated the enveloping '' between the XXXX companies which resulted in miscommunication and premature sale of our residence. With two days remaining of the fulfilled and agreed upon date of reinstatement monies paid, the agent provided me with a very important fact regarding the phone recorded conversation. The agent stated that the phone conversation my no longer be attainable but the notes made to the account would most certainly be available ( such as the notes he was taking during our present conversation ). This is the information Ocwen servicing personnel should have been researching as proof of a standing agreement. Honestly I never thought of this, and given all of the time wasted and monies paid defending my families interest this was an extremely bittersweet moment. He informed me as well to speak on particular XXXX talking points which are as follows : It was not our intention to allow our Home to undergo foreclosure and certainly without our knowledge ( given we were assured due to the previous sale date not occurring should be sufficient proofs our loan was under review and the agreement being honored ) and strove earnestly to prevent a foreclosure from occurring. The second talking point was as follows : Given the current changes of our annual income, through a corporate merger between our previous company and a Major contracting firm, our balance of our loan is nearly 50 % of our annual income and that perhaps the C.F.P.B could act as a possible mediator toward a mutual and fair resolution to end this matter and we retain ownership of our home. Ocwen Ombudsman Agent stated he would follow up with a call to me should I not hear from yourself after 48 hours as he would be tracking the progress between the C.F.P.B and the XXXX 's.
Experian has inaccurate social for me, accounts listed that do not belong to me as well as many addresses. I have disputed with same results as before. I even supplied Experian my personal information which validates they have wrong information. Due to these errors they are hurting my credit score. Please help this is wrong what they do to consumers.
How many lies this horrible lying law firm is doing. First they never reply to me and CFPB specifically mention that this lying Law Firm must respond., The specialty of the lying law firm is doing thins behind close door in a top secret action as theory try to defraud my property. Udren Law Offices , P.C . miss-represented the lender in a top secret close door foreclosure on the premises at XXXX XXXX XXXX, XXXX XXXX, PA. Judgment in the action docketed in the Court of Common Pleas of XXXX XXXX at docket XXXX on XX/XX/XXXX and the property was sold illegal abusive and in a top secret close door action at Sheriff 's sale on XX/XX/XXXX. The consumer currently has an appeal to the Pennsylvania Superior Court docketed at XXXX XXXX XX/XX/XXXX. We will go all the way to the Supreme Court of USA if necessary since this lying law Firm specialty is denigration people. The Appeal is from the Court Order denying ( due to question marks practices ) his petition to set aside the sheriff sale. The firm continues to act as counsel for the lender in the appeal. This is the third CFPB complaint of this consumer. There are no facts to support averpments of fraud. Allegations of vandalism costing {$260000.00} are correct since the law firm had direct interest in doing it in order to defraud the banks and you can see it in many legal cases against this lying law firm.. XXXX did their best to defraud my property without having a deed or any legal [ paper from XXXX until XX/XX/XXXX so they ate lying to you again. as XXXX enter inside my property o XX/XX/XXXX, XXXX and I have picture of it, Moreover, the firm did was present when they change the locks at the property. Allegations of misrepresentation and bribery are simply correct and will be proven inside the Court off law not in criminal behavior of this lying law firm. Threats of criminal prosecution and " never stopping '' by the consumer are real and we will see it in the Court if law not in criminal behavior that Udren is doing to my property for which I do not have any mortgage and my name is not on any mortgage note in this planet. CFPB must remand that this Law Firm must compensate all victims they defrauded the for so long.
Bank of America seems intent on charging us for additional flood insurance coverage on our property that they hold the mortgage on. This is a yearly struggle in which they send us numerous letters stating that the coverage is insufficient and stating that they will charge us roughly {$2000.00} for additional coverage. In the most current year we have been working with the property 's insurance company, XXXX, to supply them with the information since XX/XX/XXXX. While the property ( which is a multi unit resort ) coverage has not changed substantially in the ten years we have owned our condo unit, BofA annually sends us these letters threatening to charge us for unneeded coverage. This past year they have made the process even more difficult. Below is a copy of  the letter I sent them today. 

We have just received the sixth request, dated XX/XX/XXXX, from you for flood insurance coverage on our condo located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, HI XXXX. We and our insurance company, XXXX, have supplied you with this information multiple times so far, yet cant seem to satisfy your need to attempt to charge us for additional coverage, which appears to be your goal. These notices date as far back as XX/XX/XXXX, and we have responded to each and every one with the information requested. 

As recently as XX/XX/XXXX both I and our XXXX representative spoke with your department in an attempt to determine what was still needed, and to supply that information. On that date, XXXX faxed you the entire flood policy for the building that our unit is located ( there are three policies in total that cover the entire resort ). I was told by one of your representatives that this was all that was needed, just the policy for the building that our unit was located in. He could not explain why we seem to have had more scrutiny regarding these policies than in years past, when a policy declaration sheet was sufficient to satisfy your department. Not that it hasnt taken months in past years to satisfy these requests, but this year has taken six months to get to this point, and you still arent satisfied. It certainly appears that upselling additional insurance is the goal here. The basis coverages provided by the resorts insurance company have not significantly changed in the ten years that we have been dealing with these annual requests. 

The latest request indicates that the flood insurance coverage is insufficient, and calls for additional coverage at a cost of us of {$380.00}. This is exactly the same request that we received in a notice dated XX/XX/XXXX, and was responded to by XXXX with declarations in early XX/XX/XXXX. How is it that now we are receiving yet another request? 

This latest request follows another one just received, dated XX/XX/XXXX. In that one your department threatens to charge us {$1900.00} for additional flood insurance coverage. We responded to that exact notice dated XX/XX/XXXX in XX/XX/XXXX as well, and again on XX/XX/XXXX as outlined above.
On XX/XX/XXXX I went to apply for a home loan. I was denied because of my credit. Once I looked at my report I had XXXX accounts on my credit report that did not belong to me. These are the accounts listed on my credit report that does not belong to me : XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX account number XXXX. On XX/XX/XXXX I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX f )
I received a bill from XXXX a couple of months ago, I called them and told them it was not my bill, I was told it was a speedy cash loan taken online. I filled a police report, sent information to XXXX and Speedy cash that this was not me. Made several calls to each of them, filed info online with government agencies, etc. I 've never taken a speedy cash loan. This is reflecting on my report. What can I do, someone took this in my name, it was not me. Ca n't they trace where the money went, obviously it did not go into my banking accounts. How can I get this cleared. Any help is so appreciated. Thanks XXXX
I do n't consider the debit is mine. It was charged by apartment management company to replace carpets after leaving. Before leaving the entire apartment was professionally cleaned including the carpet. I requested a walk through with the management before leaving but they never showed up. It is obvious a scam that they do to get unjustified charges
I am disputing because Experian is reporting late payments for XXXX XXXX XXXX from XX/XX/2009 and it has been over the 7 year time per the FCRA : Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first one missed in the series. If the account was never brought current and charged off and placed for collection, the entire account will be deleted based on the date the account became late and was never again current. This is known as the original delinquency date. 

Therefore, it is the duty of Experian to remove XXXX XXXX XXXX from my credit report.
XXXX XXXX XXXX ( XXXX ) collection agent called and failed to disclose that he was calling from a debt collection agency. Asked to confirm the last 4 of my social and DOB. I responded that I would not confirm over the phone. Agent proceeded to inform that a judgement had been filed against me for a debt that was out of statue 10 years ago and if I would like to settle today. I responded that I will not respond over the phone and will respond via certified mail. He informed me that correspondence had already been sent, that I would be served in a lawsuit, and that I knew that I owed the debt and was beating around the bush. Agent hung up the phone before I could respond.
XX/XX/XXXX I had made a purchase for insurance to XXXX for insurance I found that XXXX was to expensive so I went with another insurance company, I only had insurance with XXXX for not even one day I ask for my money back I did not get it I was having a problem with XXXX I filed a claim with Wells Fargo to get my money back, this is where everything went bad I got a provisional credit Wells Fargo only credited my account one time but yet took out several times I called about this problem one of there reps in a department put the money on my account when I did n't even know she did this and messed my account up so I called they got a case manager to investigate it and three days later she called me at XXXX at night and gave me a resolution to get this done, now I 'm being charged it again and this is looking like fraud and I 'm giving Wells Fargo a chance I had to file a police report in the past on fraud and identity theft, they opened a checking and savings account in my name I did get to settle on the two accounts being opened but not them making an attempt to open accredit card back in XX/XX/XXXX I want this straightened out all of it, I 'm tired of calling I have been trying to resolve this for a week and I did send a mediation form to get the credit issue handled the first rep did not resolve that issue, this has made me very frustrated, if not straightened out I will seek counsel, I do not want to keep dealing with this I 'm now filing this complaint because I spent four hours on the phone with Wells Fargo it 's like do n't care, they still owe for trying to open a credit card in my name this has gone to far please resolve this
I recently adjusted my homeowners and flood insurance coverages as the home that was previously my residence is now a rental. In both instances ( homeowner and flood ) the coverage is more than sufficient to pay off the lender. I received a letter from my lender ( Wells Fargo ) stating that I have 45 days to increase my flood coverage to replacement value of the property ( roughly double the amount of the outstanding balance on the loan. 
They state that this is their policy, and while I can not locate my original loan documents, Wells Fargo purchased this loan and I do not remember that requirement of replacement value in the loan documents that I signed.
I noticed I had some unauthorized accounts on my credit reports so I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them. I have already filed a complaint through this agency but I do not got any resolution. This is my second complaint.
I've been sitting on school loan from the XX/XX/XXXX 's which originally was {$7500.00} that I have been paying on and off. But due to life circumstances it's now pushing {$30000.00}. The Fedlaon can't even give me on how much I've paid into this for the last 30+ years because its changed so many different hands. It started as a private loan, that much I know. I've reached out over the years for information and can not seem to get any details so I just keep applying for forbearances as the principal continues to grow and grow. 
My Circumstance ... 
My wife and I lost our only son back in XX/XX/XXXX. ( XXXX, XXXX XXXX ) We went through a hell of a court battle through the Florida court system all the way to the FL Supreme Court where we eventually lost but, my wife and I are survivors and realizing after years, it's now our cross for the rest of our lives. 
I'm XXXX years old and lost everything when my son passed and at the time, I couldn't care less. Now getting back on my feet slowly and hopefully I can have some kind retirement and definitely sleep a little better with this monkey off my back. 
However, there has been a good thing come out of this tragedy, my wife and I played a very influential part and passed House Bill No. 67 in XX/XX/XXXX that XXXX XXXX signed cited as the " Gordon and Miulli Act Its a defibrillator law for schools and park districts in the state of Florida. It was all my son needed to be saved.. ( Again, XXXX XXXX XXXX or the XXXX XXXX XXXX ). In which case should be considered a Public Service of some kind.
I found several times my Discover card account has charges not authorized by me on my account. The first time I contacted them and tried to get it stopped the only way I got it done was to pay off the card. Now they are doing it again, even tho ' I told them not too and I didn't want this account coverage protection ... they say it is to pay for the account balance protection should I get ill or something happens and I am unable to work. But I have been hospitalized several times and they did nothing but keep collecting this fee each and every month ... finally, the last time I told them to stop they e-mailed me and said to go to this specific website and do it there ... so I go to the website they said and the path to terminate these unauthorized charges are not there ... they must have collected thousands of dollars off me for this scam ... and I really question if there are others out there being affected by it also ...