WillisBack/dataset-financial-user-claim huggingface dataset:
Under Florida law, extrinsic fraud constitute fraud upon the court. XXXX v XXXX, XXXX XXXX XXXX ( Fla. XXXX ), superseded by rule on the grounds as stated in XXXX v XXXX, XXXX XXXX XXXX, XXXX XXXX ( Fla. XXXX DCA XXXX ) . In XXXX   v XXXX, XXXX XXXX XXXX ( Fla. XXXX ), the Florida Supreme Court relied upon XXXX  to distinguish extrinsic fraud from intrinsic fraud, emplaning that extrinsic fraud occurs where a defendant has somehow been prevented from participating in a cause. 

Extrinsic fraud involves conduct which is collateral to the issues tried in the case. Moreover, the courts defined Extrinsic fraud as the prevention of an unsuccessful party from presenting his case, by fraud or deception practiced by the adversary ; keeping the opponent away from the court. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Florida, is the debt collector for Flagstar Bank. A foreclosure action was filed and we responded to the court by requesting additional time to respond to the compliant. When a defendant files a motion for enlargement of time, tow things may occur, 1. The court may set the hearing date of just enter an order either granting the time. 2. The plaintiff may also set the hearing date, however under Florida Civil procedures, plaintiff must serve defendants with notice of hearing, without you can not expect the defendant to show up when not receiving notice. The debt collector for Flagstar has engaged in unlawful civil practices such as Extrinsic fraud by not serving us with the notice of hearing seeking the court to enter default against us. We want to make the CFPB aware that Flagstar Bank has taken this unlawful fraud upon the court in retaliation of the two open complaint referenced under No. XXXX, and complaint no. XXXX
XX/XX/XXXX we received a letter from Ditech financial stating we were behind on our escrow. I contacted the company to find out what was going on, as my husband is a XXXX, we do not pay property taxes. I was assured that everything would be fine and the tax department would look through the paperwork again and fix the problem. By XXXX we were receiving nasty letters stating that we were behind on a payment- we have NEVER missed a payment, we pay a little extra on our payments. 
We have spent HOURS almost weekly since XXXX trying to find out what is going on with our account. XX/XX/XXXX we were sent a check for the extra payment in the escrow. We called multiple times to find out if the check was correct. Everyone we spoke to said the information was correct and the check was overages in the escrow. The amount of the check was approximately {$1800.00}. 
Ditech finally got read the correct paperwork showing that we didn't pay property taxes, however, since that time we have been receiving letters stating that we are behind a payment. As I stated earlier, we have never missed a payment, or been late on a payment. 
Every time we call we get the run around, and no one seems to know why there is a payment missing or where it is. We end up having to go through the ENTIRE 6 months of calls with the person we speak to, there have been no notes kept on the account. We are now getting letters threatening to enter pre-foreclosure. Our loan is a VA loan, which threatens the ability to get another VA loan in the future. 
I have spoken to others with Ditech and they have had the same experiences we are having. I have sent letters and made phone calls, with no response from Ditech. This has dropped my husbands credit score by more than 100 points, we can't even trade in our vehicles due the problems they are causing. At this point I don't know what to do, especially if we can't get help resolving the matter.
On XX/XX/XXXX at-or-about XXXX, XXXX XXXX the Company Manager for Crosslands of  XXXX, Discriminated in a Continued ( Unfair/Unequal Rent ) for 9 Months of {$900.00}. XXXX XXXX On XX/XX/XXXX also, Discriminated in Fair Credit by, Theft/Tampering of my Debit/Credit of ' my XXXX XXXX and Elan Financial Accounts. As, of XXXX XXXX I ' am being Discriminated in a Fair Opportunity for Housing.. As, XXXX XXXX has Dicriminated in Equal Rent as well as, Discriminated in Fair Credit Reporting.. And is intent on making Made Cause for Discrimination in Fair Opportunity for Housing. Elan, has a responsibility working with the Credit Bureaus and XXXX XXXX XXXX to ensure that ' there is, Fraud, Theft or Tampering of my Accounts.. As ' this is ' an Continuning Affect for ' Fair Rent, Fair Credit Reporting and A Fair Housing Opportunity.
This is my third follow-up to obtain resolution for US Bank error. Please reference Case Number XXXX and Case Number XXXX. I have included the original complaints and letters from US Bank promising resolution. 
The issue that remains unresolved is US Bank has failed to adequately resolve adverse credit reporting related to their error and misplacement of a check. The misplaced check that was to pay-off a loan and the failure to correct my credit record has had a financial consequence to me the consumer. US Bank fully acknowledges that a check in the amount {$3600.00} was submitted to their bank to pay-off my auto loan and their staff misplaced the check. They fully acknowledge that they have been uncooperative in resolving this matter. They fully acknowledge that they are the sole cause of this issue. They have agreed in an XXXX XXXX, XXXX letter and XXXX XXXX, XXXX letter to correct the erroneous information with the credit bureau. 
On XXXX XXXX, XXXX, I obtained a copy of my credit report. The credit report shows that US Bank reported late payment of my auto loan. This negatively affected my credit score and adversely costing my more money in the form of higher interest rates and premiums. 
After review of my credit report on XXXX XXXX, I met with and provided XXXX ( the XXXX XXXX XXXX Branch Manager ) with my current credit report and letters from XXXX XXXX. XXXX contacted XXXX XXXX and called promising resolution. As of today, XXXX XXXX, XXXX at XXXX XXXX, US Bank has failed to contact me on status of resolution. It is obvious that US Bank does not give a whiff about resolving issues they caused their customers. It is obvious by US Banks actions and lack of actions that they do not care if the mistakes they cause end up costing their customers money in the long term. Unfortunately, it is obvious that US Bank does not feel they are accountable to the law, customer or to the Consumer Financial Protection Bureau.
I have a credit card with XXXX XXXX and I am an active duty service member. Under the SCRA, XXXX XXXX does not assess Annual fees on credit cards. The card in question was originally issued by XXXX Bank which was later absorbed by XXXX XXXX. On XXXX XXXX XXXX, I called the credit card company and paid the balance down to zero, then stated that I was leaving for deployment and that I did n't want a balance remaining due to the limited access to the internet and phone to make any payments should I use my card, I also updated my address so that I could receive correspondence. I left for deployment XXXX XXXX XXXX. On XXXX XXXX XXXX, an annual fee of {$59.00} was placed on my account. I never received a statement for this. On XXXX XXXX XXXX, I received a credit alert at my .mil email address stating that my account was 60 days past due. Immediately I paid the account because I happened to be in an area where phones were available. I returned from that deployment XXXX XXXX XXXX. The only time the account has ever been late since it was opened in XXXX XXXX was after this fee was assessed. It is not fair that I was charged an annual fee and keep getting charged an annual fee, especially since it is stated on XXXX XXXX 's website that they do not assess fees against active duty XXXX under the Servicemember 's Civil Relief Act. On XXXX XXXX XXXX, I talked to a representative at XXXX XXXX explaining my situation. I was told by the rep that they would send out letters to all of the Credit Agencies, and one to myself, to remove the 30 and 60 day late account status from my credit report. That never happened. I would like these negative remarks removed from my credit, it is wrong that they are still there after three years.
Signed up for a new credit card from bank of america and setup automatic payments as soon as I got the card. The payment did not work for the first payment ( which was due several weeks later ) though no such thing is mentioned during the payment setup. ( See attached file. ) When I noticed the late fee I called the bank and was told that if I make a manual payment and give the confirmation number they will cancel it. I did this and the late fee was cancelled. 
Several days later an interrest charge appeared. I called again and was told that they have already considered that I am a long standing customer and have made a partial refund of {$0.00} ( out of {$37.00} ). 
I have since paid the subsequent balances and cancelled the automatic payments with the goal of cancelling the card soon.
On XX/XX/XXXX , I entered a 60 month lease agreement with Wells Fargo Auto Lease Exchange on a   XXXX   XXXX   XXXX    Never late on payments. Lease end date was scheduled  XX/XX/XXXX . My last payment direct to WF was XX/XX/XXXX  On  XX/XX/XXXX , my auto insurance paid off the book value of the vehicle after I encountered an accident due to an ice storm.. insurance claim paid WF full amount of their payoff request   XXXX    plus the   XXXX   I had already paid in 60 months of lease. Now, Wells Fargo is reporting me as a charged off credit card fo {$25000.00} on   XXXX   as of today and. Charged off installment loan for {$25000.00} on  XXXX  as of today! The company that I leased from on XX/XX/XXXX  called WF Lease Exchange and have been out of business for years! Wells Fargo Bank is reporting these fraudulent damages to the bureaus which has prevented me from getting an auto loan for more than 5 years now after I paid the lease agreement terms on time fr om  XXXX  to   XXXX  and they were paid the deficit of the vehicle value by my insurance company! Total they were paid over 35,000.00 for a   XXXX   XXXX   XXXX  r in less than 5 years and have been reporting charge off and passed due credit card installment accounts since  XXXX
My payment is current, but I 've received collection calls everyday and there 's also a late fee on my account.
On XX/XX/2007, I purchased a Certificate of Deposit from XXXX XXXX XXXX XXXX XXXX located in XXXX, Florida XXXX. The Account # is XXXX. The Amount is {$10000.00} Interest 4.780 for a term of 7 months. ( copy attached ) also have the Deposit ticket for {$10000.00} ( copy attached ). 
While going thru my safe recently I found these items in the back of the safe. 
XXXX XXXX has been taken over by PNC. I went to PNC about two weeks ago and was told that they have NO record of this CD. I would like to cash the CD. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
To whom it may concern, hope you are well, I not sure what had happened with my monthly payment back in XXXX as you could see in attached file, I truly apologize, I realize how big impact this makes on my credit score in XXXX XXXX.
My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have sent out three letters stating the other addresses on my credit reports are inaccurate. They refuse to remove them, I have also contacted companies who said they have reported to Experian, XXXX and XXXX, but they still insist on not removing the addresses. Last letter dated XX/XX/18, my third try, I will act on suing them
Pinnacle Credit Services is attempting to collect a debt to which I do not owe. The original creditor is XXXX XXXX and I was recently notified that I was illegally billed by XXXX for services that I did not receive. XXXX was recently sued by the FCC and CFPB concerning their illegal billing practices. The results can be seen here : https : XXXX
I moved out of my apartment on XX/XX/2017. Turned in keys and gate key card. The person took my information just in case I may owe something. Never received any notification about the debt and then in XXXX a collection shows on my credit reports. I have contact the apartment front office and also Headquarters but no will call me back or send a letter breaking down why I owe the amount. This should not have been in collection if I never received any notice. I will continue to disputes until some one contact from XXXX with a break down of the charges
Called bank to get acct info.employeeXXXX XXXX read off routing number very fast she was about to hang up I said wait ca n't I read the numbers back? I read the numbers back. She said that 's not what I told you. She read the numbers off again. Then hung up. I called back. Asked if I could have my acct #. She said no I would have to come in. I told her I just got out of the hospital could n't I be asked my personal info that no one knows but me? she told me no and hung up again. I get out of my sickbed, go to the bank and asked to speak to a supervisor. She said I am the supervisor. I explained that she was very rude on the phone to me. She started smirking at me like this was a joke. I asked her do you think this funny? why are you smiling this is not funny. There was another teller there she saw the whole thing. This is not professional and I will not be treated in this manner. As soon as I am well I will be closing my acct. And family members that bank there are going to do the same to support me
In XX/XX/XXXX, I called Americollect after seeing an email notice that my credit score went down because of a debt collection. I was shocked because I was not aware of any outstanding bills. When I called the number for the collection agency, they informed me I had an outstanding bill from a hospital visit in XXXX. However, I had never received notice of this bill. I had moved a few times, including out of state. Americollect agreed to send me a paper copy of the collection notice. They never informed me of the option of disputing the claim. Additionally, I called the hospital to inform them I had never received any notice that I had an outstanding charge from the stay. I received financial assistance for that stay ( after my insurance covered part of it ), so I was never informed of any outstanding debt.
Tried to utilize a debt consolidation company ; things got worse. Filed for bankruptcy and had to voluntarily dismiss due to high IRS debt that ex husband was paying his half. 

Reached out to Portfolio Recovery to offer $ XXXX month payment and also have collection status come off of credit report.
I had a mortgage thru Greentree ( Ditech ) and had to do a short sale in 2012. They dragged their feet on processing a buyer I provided for them. Eventually it went thru. I received an official document dated XXXX/XXXX/2012 showing that my mortgage was discharged with a Satisfaction or Release of mortgage. Now I am getting demand for mortgage payment from Ditech on that same mortgage and they submitted to credit reporting agencies a delinquency, which has adversely affected my credit rating.
the PNC bank of XXXX PA ALLOWED THE VISA CARD PEOPLE TO GO INTO MY BANK ACCOUNT ENDING IN XXXX A TAKE MONEY FROM MY ACCOUNT WHEN I HAD CHANGED DEBIT CARD NUMBERS AND WAS TOLD BY THE BANK THAT NO ONE COULD COME IN MY ACCOUNT AND TAKE MONEY WITH OUT MY ACCOUNT NUMBER! THEY ALLOWED THE XXXX TO DO SO AFTER CHANGING MY DEBIT CARD NUMBER! THE XXXX PEOPLE GAVE THE XXXX PEOPLE MY NEW CARD NUMBER WITH OUT MY PERMISSION A VIOLATION OF THE FDERAL PRIVACY ACT!
XXXX XXXX i opened an account with BANK OF AMERICAN after many times they asked me to open account with them, using their sales techniques without explaining every detail that involves having an account with them. I closed the account by the end of the same year because i did n't longer need it, FEW months later i got a XXXX CENTS letter FEE to which i instantly went to the branch and took care of it. It has been over 4 years and they still have my account opened WITHOUT MY CONSENT. 

I contacted them for an explanation on why my account remains open but most important WHY they SOLD information to a credit collector company to which i had NOT KNOWLEDGE or was INFORM. XXXX XXXX XXXX should not be allow to keep accounts open without informing their customers. It 's extremely sad that even after i went to the branch in XXXX to closed my account, they still have n't do so.
I have contacted Equifax about 5 times within the last 45 days in reference to hard 10 hard inquiries appearing on my credit report in a 30 day period. My identity was compromised. I sent them a police report. They have yet to remove these inquiries. The have yet to provide me proof with my handwritten signature to show that I XXXX XXXX applied for these applications and signed. I am trying to buy a home amongst other things and these hard inquiries are affecting me in a huge way. I need these taken off my report asap. 

Ive sent the police report to XXXX  and XXXX who has cooperated and removed all 10. Equifaxhas not. 

The inquiries are : XXXX XXXX/ XXXX on XX/XX/2018 - Unauthorized, XXXX XXXX/XXXX   XXXX on XX/XX/XXXX - Unauthorized, XXXX XXXXXXXX XXXX , XXXX XXXX on XX/XX/XXXX &  XX/XX/XXXX BOTH Unauthorized, XXXX  on XX/XX/XXXX - Unauthorized, XXXX on XX/XX/XXXX -  Unauthorized, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX BOTH Unauthorized, XXXX  XXXX on XX/XX/XXXX - Unauthorized, XXXX XXXX on XX/XX/XXXX -  Unauthorized.
Am I correct that I am required to pay for a freeze on my credit for XXXX and XXXX? I discovered this only after I had to navigate around a service XXXX wanted me to pay for ( XXXX ) as an alternative to freezing my credit. It seems as though these credit reporting agencies are attempting to take full advantage of this Equifax hack situation. Equifax should foot the bill for these credit freezes that put at least 143 million ( most likely many more ) identities at risk for theft. At {$3.00} per freeze, these agencies stand to make XXXX XXXX XXXX of dollars as a result of this.
I have sent XXXX certified letters to the company requesting more information and they have chosen to ignore my communications and also to not put disputed on my credit report.
I applied for a small online payday loan fr om Money Mart ,  X/XX/2017   . Ive done business with them in the past, and paid my small loans. I was approved, not " preapproved '', for {$150.00} . Money mart w anted source of income, Social Security  XXXX   XXXX   XXXX  Statements, and a government ID. They wanted me to fax or upload it to their site. I could not, so I took it to their store at,  XXXX   XXXX   XXXX ,  XXXX . CA.  XXXX , the next day. I TOLD the clerk I was approved online and could not, upload the forms. I gave her copies, I showed her I ad already been approved. She went through the motions of processing a new loan, i thought she was going o email or fax the papers to the online service. She gave me a paper, that said the loan was denied, because, I had one being processed. I TOLD her that, she knew it was going to be denied, she seemed to be doing some type of fraud. She said she could fax or call them, but she was doing irregular business processing so I left. I informed the company, someone named "  XXXX  '', that appeared to be covering the clerk lied, and said the clerk cancelled the online loan. She can [ t and that does n't make since.She kept copies of my papers. I think hey may have been trying to do fraud on some of my family 's properties, I have identity-theft. I think a bad group or gang bought this store a year ago, it is no longer credible.
Had a card loan with Santander Consumer Usa Inc . I default on the loan and they repossessed the car without court order and also filed an claim against my insurance company for damages the vendor made to the car and Manager XXXX admitted the fault for the false claim by agreeing to credit the Account. Since speaking with XXXX my number had been block from Santander. They are blocking me and preventing me for trying to clear up the debt by refusing communication with me, they refusing to send my payment history because I explain to them it has been times where I double paid on my loan in one month and they applied one payment to principle and the other to interested which cause for my next month payment I paid in advance late and charge fees and had to do a deferred and they are refusing to send my that account history. I am request for them to relieve me of the debt since they are block all communications from me. Every new number I find to reach them, they block me from that number, but they want to continue to report the information to my credit report, to me that do n't make no sense, they are abusing my credit report and not following collections act laws set forth in Texas and the United States
I am attempting to resolve the balance of {$3600.00} reflected in a " charge-off '' status on my credit report for the account # XXXX, previously mortgage loan # XXXX held by Bank of America. 
I believed the balance of all amounts due to Bank of America for both Loan # XXXX and Loan # XXXX were satisfied by the foreclosure and subsequent sale of the property on XX/XX/XXXX. I have contacted Bank of America XX/XX/XXXX and XX/XX/XXXX in an attempt to understand how this balance was generated and why it is being reflected as a charge-off on my credit report. Bank of America representatives have been unable to verify how or why this balance is due. I have also been in contact with XXXX. A dispute has been communicated to Bank of America at least twice. 
I am requesting that Bank of America, provide documentation which I can reconcile with my own accounting records and reflects that the amount of {$3600.00} is rightfully due.
I have written, called the collection agencies requesting verification of this " debt they are reporting on my credit bureaus as belonging to me '' But, they keep giving me the round around and can not provide me with proof of the authenticity of this debt. I have already written, called, to no avail. I'v requested verification of this account confirming that is my debt or they need to remove this collection account from my credit reports.
Greetings CFPB my family and i experienced a deadly ef-4 tornado in XXXX Tx. 
we are underinsured as it stands aside from this traumatic experience our insurance cp paid a moderate amt barely to cover our roof and interior damage, the check was made to both Ocwen loans and myself, Ocwen has send XXXX of the check, the check was for XXXX Ocwen send less than XXXX, and is playing games stating that i will receive a call in 3-5 business days, this is not only deceptive it is a blatant lie they are trying to keep the money, i was misled to believe if i paid the XXXX which i have XXXX to be precise this is hurting my family we lost alot of our contents which we dont have coverage we had a minimum fire policy which did cover wind thank XXXX but we are suffering and Ocwen appears to have done this to other consumers click this link after you read the paragraph of a consumer to the far upper right click comments i found other consumers are told the same thing misleading them to believe they will be called for an inspection in " 3-5 '' days it is a lie in fact i will request phone records as i have not received a single call from Ocwen for an inspection see link : XXXX please see the devastation in this video a pastor recorded of me and my husband this tornado is devastating we dont have any other means to repair our home as i am XXXX, Ocwen should release the funds i have faxed proof they were sent copies of the Cashiers check where i paid the contractor in full. 
please help me i am devastated, Respectfully XXXX XXXX