WillisBack/dataset-financial-user-claim huggingface dataset:
RoundPoint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX CA XXXX Short Sale Package was submitted to RoundPoint on XXXX/XXXX/XXXX. The offer price is $ XXXX. 

Finally on XXXX/XXXX/XXXX we were told that they were looking for a net of $ XXXX. The rep we spoke with sent a message to their negotiator, XXXX XXXX, to call us back by the end of the day to discuss. We were assured we would get a call by the end of the day. No one called us. In addition, the rep we spoke with did n't even know what XXXX was. 

On XXXX/XXXX/XXXX we sent an email to XXXX XXXX requesting a call back. No one called back or even responded to the email. 

On XXXX/XXXX/XXXX we called RoundPoint again. We were told that they had " approved the short sale with a net proceeds of XXXX ''. However, they are refusing to provide anything to support the net proceeds, nor will anyone in their company discuss this with us in any way whatsoever. 

1. RoundPoint is outright refusing to return any phone call whatsoever to the Authorized Third Party. 

2. RoundPoint is committing valuation fraud by overvaluing the property and not allowing a value dispute. 

3. RoundPoint is violating the ECOA guidelines by not providing a copy of the Appraisal/XXXX as requested. 


4. I 'm pretty sure they are also violating their servicing guidelines and Defrauding their Investor, considering that no one in the company knows what XXXX is, and they are committing valuation fraud, and everyone in the company is refusing to call us back or speak to us on this matter.
I was notified by my auto insurance, XXXX, that my premiums were increasing {$120.00} annually partially due to a credit investigation by a contracted credit investigation company named Lexis Nexis. In XX/XX/2016 I was rear ended by a driver insured by XXXX insurance. All reports and actions were filed with both companies. The other driver was at fault. By XXXX I was asked to settle the claim by XXXX. They assured me that all claims to doctors and repair shops had been paid. I accepted. In XXXX I received a bill from XXXX for emergency services. I contacted XXXX and was told that the bill was never settled and to send it to them for payment. They would be suborned by XXXX. They were. In XXXX I was notified by XXXX that my premiums were going up in part because I made a collision claim. No one at the time I sent this bill to XXXX informed me that this would be a collision claim. I feel that XXXX failed to make me aware of this and also that Lexis Nexis never gave me a chance to look into this before they made a recommendation to raise my rates. This is deceptive practices to put an insurance customer in this situation without proper clarity.
Between XXXX XXXX, and XXXX on XXXX XXXX, I have received 52 phones calls from Conn 's appliance in attempt to collect a debt. I 'm not disputing the debt, and intend to pay once I secure finances to do so. I have asked to be taken off of their automated phone cue, as they stated this was the reason for the excessive calls. However, I still receive anywhere from 8-13 calls a day.
My complaint is with National Credit Systems in XXXX, Georgia. They reach out to me in attempt to collect a debt that I didnt owe. For starters, the letter that they sent arrived practically a month from the date printed on it ( could be that they sent it out late or an issue with the postal service ). I called to let them know that I dont owe them and I paid the Original Creditor in full. They said that they dont know that but on my credit report they have it stated as I paid collection with an incorrect and false date. I never sent a payment to this collections company because I paid the original creditor. Im upset because they reported false information which shouldnt even be shown on my credit report. They are the worst and the customer service is far beyond poor, just check out the reviews on XXXX. How can they even get away with this?
I checked my XXXX Credit Report and discovered that Credit Collection Services was reporting on my report. I have never heard of them. I have n't received any Validation from them about any debt I supposedly owe. I do n't have a contract with them neither have I ever received any documentation about this company or the original creditor that 's been reported. I want this negative reporting deleted from XXXX credit file.
I continue to get a recurring credit card charge every month for an original cash advance I took out years ago. I called Capital one and am told that the charge is perpetual until the balance is paid off. Note that this is not for additional advances rather a single advance in which I am charged twice each month, resulting in my balance never reducing.
I am writing this letter to explain the unethical practices that my current home mortgage servicer Select Portfolio Serving Inc. is ding with my loan and ultimately life. I apply for home assistance program due to changes in my financial circumstances. When I applied for the program, Select Portfolio Serving Inc. qualified me for home assistance program. After going back and forth several times, Select Portfolio Serving Inc. informed that, I do not qualified for program without a valid reason. I was working with a representative name XXXX XXXX, he informed me that Select Portfolio Serving Inc. do not participatXXXX in Home Affordable Modification Program HAMP government program and he had not seen anyone getting awarded this program from Select Portfolio Serving Inc. Then I inquired that, if they have other internal modification program and he responded that Select Portfolio Serving Inc. does not disclose that information. Select Portfolio Serving Inc. has informed that soon my house will be on foreclosure. It is extremely difficult to work with Select Portfolio Serving Inc. as they are not listening to me at all. This is very unfair to a hard working like me and substantially injurious to my family. As a consumer, I feeling that I absolutely have no power over these huge financial firms. 
I am a hard working individual and live in the home with my wife and XXXX kids. I do not want to lose my house and even more, I do not want to be a prey to unethical behavior of Select Portfolio Serving Inc. As a regular of law, please assist me in correcting Select Portfolio Serving Inc. unethical behavior, so they can work with me on my loan modification process.
I traded in a vehicle on XXXX XXXX ( XXXX XXXX ) and bought a new car.! week later a collection agency calls me at work and was rude at best wondering why I have not made my payment on the XXXX. I explained to him that the vehicle was traded in and to who. It is a very reputable dealership. He said OK. Today he calls my wife and starts giving her a hard time and making idle threats about posting to my credit report and legal action which I think they already did because my score dropped XXXX points today after being told it was traded in and to whom. So I contacted the dealer and they are going to give me documentation that the XXXX has already been paid off by them. So it appears it is their own documentation that is not in order and now they have hurt my credit score and have phone ethics that are not very good.
WELLS FARGO AND XXXX XXXX XXXX XXXX HAVE INITIATED FORECLOSURE ACTIVITY AGAINST ME ON BEHALF OF XXXX FOR THE BENEFIT OF THE HOLDERS OF THE CMLT XXXX. HOWEVER, XXXX IS NOT A VALID BENEFICIARY WITH THE AUTHORITY TO DIRECT QUALITY LOAN TO EXERCISE THE POWER OF SALE UNDER MY DEED OF TRUST. THEREFORE, THE RECENT FORECLOSURE DOCUMENTS FILED ON XXXX BEHALF ARE NULL AND VOID. 
OUR FORENSIC MORTGAGE LOAN AUDITOR UNCOVERED IRREFUTABLE EVIDENCE THAT XXXX NEVER RECEIVED EFFECTIVE ASSIGNMENT OF MY MORTGAGE LOAN FROM WELLS FARGO, THE ORIGINAL LENDER. SPECIFICALLY, WELLS FARGO SOLD MY MORTGAGE NOTE AND DEED OF TRUST IN XXXX, FOR FULL LOAN VALUE, TO XXXX AS INDENTURE TRUSTEE FOR THE CMLT XXXX MORTGAGE-BACKED SECURITIES TRUST. FOLLOWING THIS SALE, WELLS FARGO LOST ALL TITLE TO, AND INTEREST IN, MY MORTGAGE LOAN. NEVERTHELESS, IN XXXX, XXXX, WELLS FARGO EXECUTED A CORPORATE ASSIGNMENT OF DEED OF TRUST ATTEMPTING, ONCE AGAIN, TO TRANSFER MY DEED OF TRUST, BUT NOT THE NOTE, TO XXXX AS TRUSTEE FOR THE CMLT XXXX TRUST. WELLS FARGO ATTEMPTED THE ASSIGNMENT TO XXXX XXXX 6 YEARS AFTER THE CLOSING DATE OF THE TRUST ( XXXX XXXX, XXXX ) BECAUSE THE TRANSFERS AMONG THE PARTIES TO THE SECURITIZATION TRANSACTION WERE MADE WITHOUT THE REQUIRED ENDORSEMENT OF THE NOTE. THE XXXX ASSIGNMENT WAS A SCHEME DEVISED BY WELLS FARGO AND XXXX TO COVER UP THE BOTCHED SECURITIZATION IN XXXX. XXXX ACKNOWLEDGES THAT A BORROWER IS A PARTY TO THE SECURITIZATION TRANSACTION. THEREFORE, I HAVE THE RIGHT TO RAISES DEFECTS IN THE ATTEMPTED SECURITIZATION OF MY LOAN. SEE ATTACHED US BANK BROCHURE. 
ASIDE FROM THE FACT THAT WELLS FARGO HAD NO INTEREST IN MY MORTGAGE TO CONVEY TO ANYONE IN XXXX, THE CORPORATE ASSIGNMENT IS INVALID, NULL AND VOID FOR THE ADDITIONAL REASON THAT ONLY MY DEED OF TRUST WAS PURPORTEDLY TRANSFERRED TO XXXX. ASSIGNMENT OF THE SECURITY INSTRUMENT WITHOUT THE DEBT ( NOTE ) IS A LEGAL NULLITY. THIS IS BECAUSE THE SECURITY INSTRUMENT FOLLOWS THE NOTE BUT NOT VICE VERSA. THIS HAS BEEN THE COMMON LAW RULE FOR OVER 100 YEARS. SEE IN RE STAFF XXXX., XXXX XXXX XXXX XXXX, XXXX ( XXXX. XXXX ) ( IN CALIFORNIA, " [ A ] DEED OF TRUST IS A MERE INCIDENT OF THE DEBT IT SECURES AND ... AN ASSIGNMENT OF THE DEBT CARRIES WITH IT THE SECURITY '' ). " AN ASSIGNMENT OF THE NOTE CARRIES THE MORTGAGE WITH IT WHILE ASSIGNMENT OF THE LATTER ALONE IS A NULLITY ''. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX. ACCORD XXXX XXXX XXXX ( XXXX ) XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX. XXXX, XXXX ; UCC ARTICLE XXXX ( G ) .THE COMMON LAW RULE HAS BEEN CODIFIED IN CALIFORNIA STATUTORY LAW. CAL. CIVIL CODE SECTION XXXX ( ' [ T ] HE ASSIGNMENT OF A DEBT SECURED BY MORTGAGE CARRIES WITH IT THE SECURITY '' ). 
THE FORENSIC AUDIT OF OUR MORTGAGE LOAN ESTABLISHES CONCLUSIVELY THAT XXXX NEVER RECEIVED AN EFFECTIVE ASSIGNMENT OF MY LOAN AND IS NOT OTHERWISE A " PERSON ENTITLED TO ENFORCE '' MY MORTGAGE WITHIN THE MEANING OF THE ARTICLES XXXX AND XXXX OF THE UCC.
On my most recent credit report, dated  XXXX , AES has reported 30,60, and 120 day late payments for loan sequences   XXXX   XXXX   XXXX   XXXX   from  XXXX  and  XXXX  to all   XXXX   credit bureaus (E  XXXX   XXXX   XXXX   XXXX  ) as shown below:

 XXXX : Late 60 days 1 time (  XXXX   XXXX  )

 XXXX : Late 60 days 1 time (  XXXX   XXXX  )
                    Late 90+ days 1 time (  XXXX   XXXX  )
                    
 XXXX : Late 60 days 3 times () < No date listed
                Late 90+ days 6 times (  XXXX   XXXX  )

I have attached copies of the information I am using to complete this complaint. 

As far as my complaint goes, not only are these accounts being reported differently across all three credit bureaus, my main concern lies in the fact that AES changed its policy as far as "backdating" forbearances in  XXXX . What this change allowed was any approved forbearances to be backdated to cover and remove any late payments as well as remove those late payments from the consumers credit report. 

So, because AES decided to change its policy in  XXXX  and not   XXXX  or  XXXX  , my record is tarnished but yet consumers in my exact situation with forbearances approved after the new policy took effect in  XXXX  will have a clean record and it will look as if they were never late when in fact they were. I feel like this is unfair and I am seeking resolution with the CFPB.
Greetings, Freedom Mortgage I have been out of work for more than a year. I was on a special forbearance plan with Freedom Mortgage, but I missed a payment due to no funds and the plan was cancelled. I submitted a new request for Loss Mitigation, but was denied due to dti. I had no income at that time. However, I was approved for benefits by Texas Workforce Commission and now have income. I submitted an appeal on XX/XX/XXXX. I never received any calls nor any written communication regarding the appeal. I called Freedom Mortgage on XX/XX/XXXX, for a status update. The rep reviewed my account and stated I was approved for another forbearance plan. I stated I never received a call or written notification, so he stated he would email it to me since I have until XX/XX/XXXX to sign and return. The forbearance he emailed to me was the old forbearance plan, which is expired. I called Freedom Mortgage again on XX/XX/XXXX because I was furious. I explained the fact that I suffer  from XXXX and have a XXXX XXXX with no insurance for medication. I have been barely holding on because of fear of foreclosure. The rep stated my appeal was denied and that he was n't sure why the previous rep said I was approved. I informed XXXX I 'd # XXXX, that I needed to speak with a manager. To build my hopes up and tell me everything was fine and my appeal was approved was insensitive, hurtful and has cause me to go into a XXXX XXXX. That inaccurate information absolutely deflated me. I have had to seek guidance from ministers and really trying not to return to the XXXX XXXX. I ca n't afford it this time. XXXX told me that there were no managers on the floor. He showed no urgency to help and I am beyond disappointed with Freedom Mortgage. They never CALL and the only written communication I receive is a letter informing me of a new single point of contact, which is every two weeks it seems. My income status has changed, as well as my debt. I submitted a new request for Loss Mitigation today XX/XX/XXXX. I use to work for XXXX XXXX XXXX XXXX Office of the CEO and President. I use to handle all regulatory complaints from the OCC and CFPB. I have had great experience in the past working with your offices and I hope that it can be a great experience as a customer.
Last year, I subscribed to Experian Trusted ID Premier and put both a freeze and a lock on my account. I was notified today, XX/XX/19, that my subscription had expired and that, as a result, my account was automatically unlocked. So I called Experian, during their business hours, at both XXXX and XXXX to speak to a live person. I tried numerous times to reach a live person, but to no avail. I then called XXXX ( XXXX ), which partners with Experian regarding identify theft monitoring/identity loss matters. I got through to a live person. I told the rep that my account was automatically unlocked because my Trusted ID Premier subscription expired, but that I still had a freeze on my account. I then asked : Am I ok with just the freeze, or do I need to re-lock my account? The representative was quite rude and seemed indifferent ; she didn't have an answer. I then asked how I could get hold of a live rep at Experian. She gave me the number XXXX. ( IMPORTANT : I repeated the number to her for verification purposes, and she acknowledged I was correct. ) I then called the number. All I got was an automated answering system. It did not state which company/party I had reached, but did state that I'd be on hold for more than 30 minutes. So, I hung up. I then did a search online to see if the number, XXXX, was legitimate. The results showed that it was not an Experian number. Rather, it was assigned to a person, XXXX XXXX, on XXXX XXXX, in XXXX, TX. I am now concerned about the legitimacy of XXXX since their rep ostensibly gave me a bogus number.
Transunion refused to block the fraudulent accounts that are on my credit report. 

Every account that was taken off of my credit report was reinserted back on to my credit file with Transunion. I wrote Transunion and sent them a copy of the police report and they still refused to remove the accounts that were fraudulent on my credit report.
Hello, My issue with my mortgage company ( PennyMac ) is the process of removing the PMI from my mortgage. Penny Mac asks me to pay for the appraiser and they choose the appraiser who appraise my house. Last when I started the process to appraise my house, they scheduled an appraiser on XXXX XXXX 2017 to come to my house in which the appraiser did and he told me it takes him 2 days to complete the appraiser report and send it to the company. My house was appraised on XXXX XXXX 2017 and since then I have been calling PennyMac and was told they have not received the appraiser report from the appraiser, which contradicts what I was told by the appraiser himself. 

Anyhow, I have called and kept calling Pennymac and keep getting the run around and wait on the phone for several minutes and then I get the message from them saying they ca n't do anything until the appraiser report come to their office. 

Currently the prices of my homes in my community has raised significantly to the point that I should have an equity to remove the PMI from my mortgage, and I believe PennyMac is trying to dictate the outcome of the appraiser since they do not want to disclose it to me after nearly a month of the appraiser date. 

Also I think mortgage companies should not dictate what appraiser company should be used as long as it is a certified appraiser by the state where the property is located. 

Please let me know how I can get my appraiser report from PennyMac since I am paying for it. And how can I get rid of the PMI from my Mortgage since I met most of the PMI regulations as I read it on your web site. 

I appreciate all your assistance.
Account sold. Nomaccounting information being provised on this account after repeated inquiries. Master promissary notes are not original contracts. Accounts have multiple servicers and can not obtain accurate information on none of these accounts. All i get is threats of wage garnishments. The amount on the account is grossly well above the cost to attend the institution. Amount on credit reporting agency is XXXX but letters sent to me is XXXX. School doesnt cost nowhere near that to attend. Accounting information needed to verify this account. Amounts on promissary notes sent to me are thousands of dollars less than being reported and letter sent to my address of garnishment. There is over 23000 difference.
OnXX/XX/XXXX, GM Financial inaccurately reported to all 3 credit bureaus that my vehicle was charged off in XX/XX/XXXX. I have had an active account with GM financial since XX/XX/XXXX, and my vehicle has never been repossessed or charged off. Prior to the reporting, I contacted GM customer service on XX/XX/XXXX to question why myXX/XX/XXXX payment was reported to the credit bureau as being late. I paid theXX/XX/XXXX payment 8 days prior to the due date. I also questioned why my XX/XX/XXXX payment was never reported. The rep I spoke with had horrible customer service skills. I requested supervisor assistance and the rep stated the supervisor was not available and disconnected the call. I reached out to the corporate complaint office and left a voicemail. XXXX XXXX called me back and appeared to be concerned and eager to help. She confirmed that my XX/XX/XXXX payment was made within 22 days, and my XX/XX/XXXX and XX/XX/XXXX payment were paid. She also confirmed that the next payment due was not until XX/XX/XXXX. She assured me she would look into the issue and call me back. I never heard back from XXXX XXXX. A week later I left her a voicemail requesting a follow-up. To date, XXXX XXXX has not returned my phone call. I received a letter in the mail from XXXX XXXX. I have included a copy of the letter with this complaint. The letter states GM financial will correct the information with the credit bureau to show no credit mark for the month of XX/XX/XXXX. How horrible!! The company has not reported for XX/XX/XXXX and instead of correcting XX/XX/XXXXthey chose to report no mark. What they actually ended up doing was reporting my account as a charge-off. This is absolutely ridiculous for a major corporation, its adversely affecting my credit report and credit score, and is a poor way to treat a customer.
Calling 3 times a day from XXXX during work hours. This could jeopardize my employment and needs to stop immediately. They called at XXXX XXXX  ; XXXX XX/XX/XXXX, and XXXX on XX/XX/XXXX. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; and XXXX XX/XX/XXXX and do not leave a message. This harassment is unacceptable. I have no account with this company as upon looking up their name they are Receivables Performance Management.
To Whom It May Concern : I received an alert from XXXX, Equifax and XXXX  about an account being reported by XXXX. Please be advised I have requested validation { not verification } of an item reported to XXXX by XXXX. I have received a response that clearly violates my rights according to HIPPA. XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
on XX/XX/XXXX I wrote to you to inform you that you are reporting inacurrate information of about me on my credit reports. You claim that your clients XXXX, XXXX and XXXX both have the right to report an unknown and frauduently opened account on my never before used credit. I have not yet had the opportunity to use my credit and some one has opened an account that you and these companies have verified as owned. I wrote to both of these companis and requested full validation made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. 

My request to the bureaus XXXX ; Trans Union and XXXX that I require validation that is competent evidence bearing my signature showing that I had some contractual obligation to pay. 

These collection companies have been reporting a frauduently opened account to the ( 3 ) reporting bureaus for nearly ( 2 ) yerars and have paid no attention to my request to validate because the information is incorrect. The collection agents have taken it upon themselves to continue to knowingly provide incorrect information about me to the credit bureaus and the credit bureaus will be delivering false information if they reply that this account is verified.
XXXX also has an account listed by CCS Collections in the amount of {$81.00}. This account was paid directly to XXXX several months ago. I was never contacted by CCS by any means. The representative that I spoke with said the account would be deleted but she could not send in writing. She referred me to a website to print a paid letter. I have proof that I paid XXXX directly.
I received a misdated letter claim form from Ocwen mortgage company which I filled out and returned on XXXX XXXX, 2015. My tracking number is XXXX. I have been calling on a regular basis and always receive the same answer, that it is under review. This claim form involved a payment ranging from {$300.00} to {$3000.00} per loan for misdated letters which negatively affected me during a short sale
On or around XXXX/XXXX/XXXX i contacted Huntingon Bank to remove myself as an authorized user on a friends credit card account ( XXXX XXXX ). In XXXX XXXX I was assigned account number XXXX. The Bank did remove me as an authorized user on the referenced account, but is showing non willful compliance to have this account removed completely from all XXXX credit bureaus. I sent a credit bureau dispute form to all XXXX credit bureaus and was told that they will not be removing this account from credit report and it will remain 7-10 years. I am in the middle of purchasing a home and with this showing on my credit, it has affected my chances for loan approval.Huntington Bank supervisors show no compliance. Huntington Bank under federal law must remove an account from credit report in which the account does not belong. Every other bank has honored my request and has fulfilled the federal law requirements