WillisBack/dataset-financial-user-claim huggingface dataset:
I have reviewed the answer Great Western Bank ( GWB ) claiming they did not have a record of the property address with it actually XXXX XXXX XXXX XXXX XXXX XXXX but the address on the Note is XXXX XXXX XXXX XXXX NE XXXX, which because this was a new subdivision right off XXXX XXXX it was listed wrong, however the legal description is XXXX XXXX, XXXX XXXX XXXX, a Subdivision as Surveyed, Platted and Recorded in XXXX County, Nebraska. 

The Deed of Trust can only be recorded by a party that has a financial interest in the loan which as GWB sold the loan to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, their financial interest ended that day. XXXX XXXX  up and the documentation proves the facts. 

Nebraska Statute 76-238 instructs that the Deed not enforceable until it is delivered and recorded. GWB by law needed to have had the Deed of Trust delivered and record before XX/XX/XXXX, anything after that point GWB does not have the right to try and correct the error that was not caught until XX/XX/XXXX, when the loan was accepted into the XXXX XXXX XXXX XXXX. 

XXXX is not and never has been approved to do business in the State of NE. NE Statute 21-20,168 demands that Foreign corporation apply and receive a certificate of authority. 

XXXX used the position of mortgage servicer to have a " Forged '' title created, however, they were caught and confess that they were not the owner of the debt when I made the OCC obtain the Note from XXXX. XXXX spotted the lack of the Assignment of DOT and GWB 's error and used that to make it look as if GWB sold the debt XX/XX/XXXX! 

GWB is an accomplice in this fraudulent activity that illegally foreclosed on my property.as it started with there violating the rules.
I have reached out to US Bank in concerns about accrued late payments. Several years back I lost my job and was unemployed for almost 2 years. During that time I struggled and did any side work or sold whatever I had to sell to insure I did not lose my home or go into foreclosure. Now since back on my feet, the last few years I have been on time and never missed a payment. I actual have auto draft setup and it comes directly out of my account every month. So I called US Bank asking if they would remove those accrued late payment charges which amount to {$3800.00}. Unfortunately I was told that they would only waive one late payment penalty charge of {$65.00} out of {$3800.00}. I have own this house for 15 or 16 years now and I have paid ungodly amounts of interest and I know I have paid late payment as well. It is a shame that I was one of the ones that did whatever it took to keep my house and not to go into foreclosure, which US Bank would have lost a lot more that {$3800.00}, but they could care less. They could care less about the home owner, its all about the money.
Approximately around XX/XX/XXXX I called all three credit bureaus about credit inquiries illegally not authorized on my credit report also. I spoke with XXXX and they had a glitch in there system in XX/XX/XXXX.  Inquiries that were deleted are back on my report as well and I was not notified by mail in the time frame that was supposed to be notified by law. These inquires added a hardship and my rights were violated by XXXX as well as the other two credit agency. As a resolution I ask that all my inquires be permanately deleted from my XXXX report as well as XXXX and Experian.
I received a letter from Carrington Mortgage, who bought my home loan from XXXX XXXX XXXX in XXXX of 2015, stating that they were going to start foreclosure proceedings since I missed my XXXX 2015 house payment. I received the letter in XXXX. I called and was told to send all of my bank statements proving that I did indeed pay. I faxed all of my statements as requested and the XXXX payment was noted as well as the past 4 months payments. I was sent a letter requesting front and back of check to prove who indeed cashed it. The statement clearly states that the check was converted to an ACH payment and the front and back of check is not available! I called XXXX XXXX, my local bank, and the branch manager, XXXX XXXX, requested the front and back of check from XXXX XXXX who handles the account for Carrington. XXXX XXXX has not responded and I have received a second letter stating that they are starting foreclosure proceedings ... what can I do???
I authorized XXXX to auto-charge my account for {$60.00} when i was abroad and gave them Chase credit card info. My XXXX phone number is XXXX and XXXX account is XXXX. 
They charged my account {$300.00}. I called and they said it was for a " line transfer charge ''. At no point when I was setting up my account was I informed of a " line transfer charge '' by XXXX. I would like the {$240.00} back since at no point at all was I told of this charge, and it was charged to my credit card without my approval. Since XXXX says all calls are recorded, they should go back and check their call logs and show if at any point I was told about this {$240.00} charge.
Bank appears to have deliberately delayed processing a payment so as to put the account into default so that they could charge late fees and interest. I've gone back through account statements ( & checkbook ) and I have discovered a disturbing pattern. Most payments are processed on either the 2nd or 3rd day after the payment check is written, however, every third month ( i.e. quarterly ) payments are not processed until either the 6th or 7th day after the check is written. 

I normally make my payments early enough that I haven't been dinged for a late payment or interest charges until the payment that was due XX/XX/XXXX, check was written and mailed on XX/XX/XXXX, considering how efficient and consistent the USPS is, payment was delivered to the bank on XX/XX/XXXX, or at the very latest on the XX/XX/XXXX, however, the bank did not process the payment until XX/XX/XXXX. 

I sent a letter of complaint to FNB Omaha regarding the delayed posting and their response has a number of factual errors. First the response claims that they received my complaint on XX/XX/XXXX, the USPS certified mail receipt indicates that it was delivered on the XX/XX/XXXX. Second the response claims the payment was due on XX/XX/XXXX, the statement clearly shows that the due date was XX/XX/XXXX. 

If they are trying to cheat me by delaying processing payments, they are doing it to hundreds if not thousands of others. If I hadn't noticed that they delayed this one payment, I wouldn't have gone back through my records and established a consistent pattern of delayed payments. They are engaged in criminal activity and I can help you prove it. Documentation to support my allegations will be supplied on request.
I've sent certified letters to XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX on XX/XX/2018 It has been well over 30 days ago requesting validation for the alleged debts. I have not received a response and have not received any validation as I requested. I have then sent certified letters with supporting receipts to XXXX  and XXXX requesting to remove these accounts from my credit file. My rights and F.C.R.A law is being violated! The accounts have not been verified 100 %. XXXX XXXX XXXX sent a collection letter stating that they have received an XXXX  dispute online from me which is not true. They are basically admitting to using XXXX. Any automated response or XXXX  verification is unacceptable. If the CRA can not provide physical verification of the account it is an UNVERIFIED account and must be deleted. I have also received a letter from the Clerk Of Court stating that they do not release information to collection agencies and credit bureaus. 

I've uploaded copies of certified receipt and documents
Filed with the Better Business Bureau asking for validation of this account as well as have spoken to the company. The company told the BBB that they was sending information. The information received was them asking for all of my personal information. I advised the BBB that what the company sent was a letter wanting all of my personal information. I want this removed from my credit bureau files immediately. The company is using a stall tactic and not responding with a full validation, instead trying to get me to send them my information instead.
XXXX   MUST NOW CEASE AND DESIST REORTING ANY AND ALL CREDIT INFO FOR CREDIT FURNISHERS ALL OTHERS AS STATED IN TH E : F.C.R.A  . 15 USC 1681A ( g ). ( see  XXXX  letter )
In a recent disput e. Trans Union stat ed the account were verified. how is this possible?   When the account was purchased by another lender. Which means the original creditor has not legal right to verify anything. What was your Method of verification?
XXXX XXXX XXXX XXXX has negative remarks on my credit report that are inaccurate and recently sent documents that are fraudulent. The statements have wrong addresses and documents that look altered. I would like XXXX XXXX XXXX XXXX to provide me with the Deed ( contractual ) Mortgage to prove I applied for a mortgage with this company not address or name verification but contractual agreements for a loan.
in XX/XX/XXXX my daughter purchase a XXXX XXXX from XXXX XXXX in XXXX XXXX.She asked me if i could co sign for her and since she was my daughter i agreed to help her.The financing was too high for her she realized after she had the car for a couple of months. The rate was too high and she could not get the vehicle refinanced out of my name at an interest rate she could afford and after a few months of struggling to meet the note she returned the vehicle in XXXX XXXX.She had put down {$1400.00} on the purchase and lost that money as well. She not I ever received any kind of paperwork and were never notified that anything else was owed on the vehicle. We were never served any kind of paperwork nor were we given a chance to appear before a judge to dispute the judgment which is now on my name. Until i went to purchase a home 4 years later did I even know there was a judgment against me. The judgment is for over {$14000.00} and I was never served or given notice that this was being filed.I called the attorneys on several occasions the week of XXXX XXXX thru XX/XX/XXXX to find out how that was large amount was still owed after the car was sold. I have never received any paperwork regarding the selling of the car and was willing to make payments on the balance remaining as i suspected it could not be more than {$4000.00} since {$1400.00} was put down and payments had also been received. The car when returned was only 6 months old with minimal miles on it and i did not possibly see how i could owe over {$14000.00} on the car. That meant they would have had to sell a {$22000.00} car for only {$7000.00} which would have been ridiculous for a new car.I never received a return phone call from the EATON GROUP ATTORNEYS LLC OR XXXX the attorney handling this. I would like to see what the car sold for minus the monthly payments made by my daughter plus the {$1400.00} she pd down on the vehicle as i suspect i owed nothing after the car sold or I would have gotten some kind of notice after 4 years stating i still owed something on my daughter 's behalf.I DO NOT SEE HOW ANY JUDGMENT CAN BE FILED AGAINST A PERSON WITHOUT SENDING THEM A NOTICE THAT MUST BE ACKNOWLEDGED THEY RECEIVED.HOW DO COLLECTION ATTORNEYS GET AWAY WITH THIS? 
THANK YOU
Ive disputed this item through all three major credit bureaus and also filed a cfpb complaint and to no avail the company didnt respond in the timely matter. Its been over 30 days and by law they are required to remove the item from my credit report due to the lack of time of response. If we cant get this resolve I will be filing a lawsuit for violating my consumer rights per FDCPA.
On, XX/XX/XXXX XXXX XXXX XXXX ordered an appraisal of a property ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) in preparation for closing of a loan on this property slated for XX/XX/XXXX. I paid for the appraisal on XX/XX/XXXX in the amount of {$500.00} to XXXXXXXX XXXX XXXXXXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX notified me that they would not be approving my FHA loan. On XX/XX/XXXX, I applied for a FHA mortgage loan with XXXX XXXX. XXXX XXXX requested that XXXX XXXX XXXX forward the appraisal that was completed on the property so that they could include it in the loan package. XXXX XXXX XXXX provided XXXX XXXX a case number, and did not forward the appraisal. I also did not receive a copy of the appraisal that was supposed to be completed on the property, as agreed upon in the payment stipulations. Because XXXX XXXX XXXX did NOT forward the appraisal, a second appraisal was ordered and performed by XXXX XXXX XXXX on XX/XX/XXXX. As the consumer, I should NOT have paid for two appraisals on the same property and I am requesting a full refund of my {$500.00} from XXXX XXXX XXXX  for an appraisal that was not provided.
Dear XXXX, This is my formal complaint letter against CITI/STDNT Loan RSRC XXXX because I have contacted CITI/STDNT Loan RSRC CNT for them to remove numerous account information because of incorrect and inaccurate information that appears on my credit report, also the statue of limitation on debts has been expired. The account is closed and the balance is {$0.00}, and there are XXXX or items that appears on my credit reports from all major credit reporting agencies. The CITI/STDNT Loan RSRC CNT has either refused to respond. the following account is the items the CITI/STDNT Loan RSRC CNT has refused to investigate and removed.
I received a debt settlement letter from a collection agency for a medical bill. The last day to pay the settlement amount is on XXXX/XXXX/2016 ; today is XXXX/XXXX/2016. I called today to pay the debt in full, but was told that the bill was sent to their attorney 's office and the collection agency could not talk to me or receive a payment from me. I was told that if the collection agency spoke with me, that it would be against the law. The letter mailed did not mention anything about the account being sent to an attorney 's office, if contact was not made. I tried to inform the collection agency about the settlement letter received, but again I was told that they could not talk to me. I then spoke to someone in their attorney 's office and was told that the settlement offer ( which expires tomorrow ) will not be honored because the bill was now in the attorney 's office. I was told to call back on XXXX/XXXX/2016 at noon and the supervisor ( who was not in at the time of my call ) will make a decision whether to honor the settlement price, which was unlikely. I even faxed a copy of the settlement letter as proof, because the attorney 's office did not have it.
I have asked Professional Adjustment Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
XXXX XXXX, 2015 OCWEN LOAN SERVICING was sent Check # XXXX for {$24000.00} as Mo. Pay Princp. & Int. PLUS {$16000.00} Princp. ONLY via USPS CERTIFIED MAIL ( ITEM # 1 ). 
OCWEN LOAN SVC. RECEIVED XXXX CERTIFIED MAIL XXXX/XXXX/15 XXXX ( ITEM # 2 ). 
OCWEN LOAN SVC. XXXX/XXXX/15 Stmnt. POSTS {$24000.00} EXACTLY as paid ( ITEM # 3 ). 
OCWEN LOAN SVC. XXXX/XXXX/15 Stmnt. SHOWS NO PAYMENT PAST DUE PMT ( ITEM # 4 ) OCWEN LOAN SVC. XXXX/XXXX/15 Stmnt. Charges {$100.00} from Princp. Payment? ( ITEM # 5 ) Doc 's PROOF of Mailing, Receipt of Mail and Payment of {$24000.00} are ATTACHED. 
How do they EXACTLY POST Payment on XXXX/XXXX/15 then CHANGE/DENY Payment onXX/XX/XXXX/15??? What is the XXXX/XXXX/15 NON-AUTHORIZED {$100.00} CHARGE?
This is simple. I have had an account and direct deposit for years. on XX/XX/18, I spent close to {$1000.00} in one day, ( which I normally do not, but had been saving for some home items I wanted. During one of the transactions, my card was de-activated while trying trying to pay for my items and the transaction was declined. 
I left the store, went to the ATM and it said the card was de-activated. I called XXXX ... .and was told that they shut the card down thinking it was fraud. I explained that it was me - verified all their informtion and the card was re-activated. They told me I should have received a text message whent the deactivation happened, which I did not. BUT they have been sending me information from a cancelled card and not the active card for months. I only get my deposit information via text. When the card was re-activated, I did get a text stating that. 
The next day, I attempted to log online. And my account had been closed. I called them and they told me they closed that account and I did not qualify for an account anymore and they would send me a check for the funds in my account. This left me with no access to any money at all.
I opened a Citibank Account Bank Checking account with a {$400.00} bonus promotion offered if I deposited {$15000.00} within 30 days of account opening. I met these requirements, I opened the account on XXXX/XXXX/XXXX. {$15000.00} was deposited into the account by XXXX/XXXX/XXXX. I should have received the {$400.00} bonus by XXXX/XXXX/XXXX according to online customer support. I never received the {$400.00} bonus.
I have contacted Navient by mail in XXXX 2017 and again in XXXX 2017 requesting written documentation to be mailed to me regarding my loan. Both times I sent the correspondence to two different locations via certified mail ( I have copies of the letters and the certified mail reciepts ) Both instances the letters were ignored by Navient., although i requested that they respond within 30 days. Navient however sent me and continue to send me multiple emails. I finally responded by telling them that they have not replied to my letters that i have sent to them. I then attached one of the letters that I sent to the email. There response was that they can not discuss matters via the internet. They then sent me a letter saying that I needed to pay my bill, but never responded to the letter. Please note. that was the first letter they sent to the house. They are now sending me letters threatening default, but when I requested the information about my loan, ( due to them in the past not providing me with accurate information ) in XX/XX/XXXXand XX/XX/XXXX they refused to send me what I asked for? Do they not have it? They also are now sending reports to the credit bureau.
I was denied partnership with XXXX based on information from Checkr. The problem is that I am still being flagged for a felony that I have completed deferred adjudicated rehabilitation and therefore there ia to be no conviction and therefore nothing to flag on my record. This has now caused me to be rejected and at a time that I am in dyer need of work.
I have submitted a complete short sale file to SLS now multiple times and can not get anyone to work the transaction. The negotiator this file was assigned to dropped the ball multiple time before she left on " leave '' and SLS did n't bother to reassign the transaction to anyone. I have emailed and left a voice message for the CEO trying to escalate my concern with no return correspondence. the first lien was approved and has been closed out twice now because of SLS delays ( they are the XXXX lien holder ). SLS 's phone system does n't allow you to get through to a live body instead it requires you schedule a call back from them. In return they never call you back.
Victim of a predatory Refi loan in 2007. It was suppose to be a cash out but a time of closing the XXXXongress Title closing agent said that the mortgage company is not doing a cash out just a conventional refi. Therefore the closing agent did not have all the closing docs including the HUD. She had me sign whatever docs she had. Later I discovered she signed the HUD and the appraiser fraudulently appraised the house. Appraiser stated that the house had gas and electric utilities when in fact it has below and underground oil tanks and oil heat. Never had gas utilities at property. Comps were inflated and done in another areas. Appraised {$95000.00} above market value. Today, lawyer is trying to foreclose using robo signed docs ( assignments, Mortgage, note ). CODI violations as well with multiple assignments.l have been in the foreclosure process of more than 9 years with two docket # s in XXXX County Court Hon XXXX XXXX
Somebody cashed a fake check worth {$2900.00} in the XXXX XXXX T.D bank branch and immediately withdrew the funds. I submitted a fraud claim with this bank, but whenever i try to inquire about the status of my claim nobody gives me a straight answer. the fact is that this is my one and only bank account which they froze because my account went into the negative because of the fake check that was cashed. My issue is with the bank taking as long as it has resolving the fraud claim. It happened in their branch the money was taken out of my account by their teller, and its obvious just by looking at my bank statement that i was nowhere near XXXX XXXX Florida the day the fraud occurred. this should have been a simple resolution yet T.D bank does nothing.
I received a phone call at XXXX from XXXX at XXXX XXXX regarding my dispute with XXXX XXXX XXXX for {$2900.00}. He stated that due to my signing a XXXX XXXX with XXXX XXXX XXXX in which they were supposed to reimburse me {$2900.00} via certified which I never received they could not help me. Please be advised I did not receive the monies specified. Which has brought me to this point. My credit card company states they will not refund my money, I actually sent them documented proof that I did not receive the checks. In their responses they provided a contract which I admitted to signing and checks that have never been cashed, which proves nothing. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have ONE YEAR to file a non-billing error type dispute. Every other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company they should open the investigation and issue a credit.
PLEASE NOTE, THIS IS NOT A REPEAT-ITS A NEW COMPLAINT ON CAPITAL ONE Capital One, falsely claims that I never made payments for the months of XXXX, XXXX, and XXXX 2016. This claim is totally outrageous as the bank received, and cashed all those checks. 

I am requesting that Capital One adhere to they following : As a consumer, I have the right to ask that Capital One send me a print out of all payments received from me FROM XXXX 2016, and, detailing how/where payment was applied. Therefore, I want this sent to me. 

In addition, they should explain the meaningless charges on my account, like " what does 'other ' charge mean, and, what does this other charge called " other '' mean ( XXXX separate charges called " other ''? ) Remove all late fees charged to my account deliberately by them, as my payments were made and on time for XXXX, XXXX, and XXXX 2016 Start sending me monthly billing statement to ensure accuracy Credit my account appropriately for XXXX, XXXX, and XXXX 2016, and send prove of credit applied to the account. 

Please Note : That Capital One is quick to sight bankruptcy as an excuse for not complying and sending what is required of them. Therefore, let clear that now, I AM NOT IN ACTIVE BANKRUPTCY AND CAPITAL IS VERY MUCH AWARE OF THAT. 

SIGHTING THAT I AM IN BANKRUPTCY TO GET OUT OF COMPLYING IS OUTRIGHT SHAMEFUL THAT A BANK WOULD BE ALLOWED TO CONTINUE TO OPERATE IN SUCH A MANNER.