WillisBack/dataset-financial-user-claim huggingface dataset:
AFFIDAVIT OF XXXX XXXX XXXX XXXX licensed private investigator License # Al XXXX Mortgage Compliance Investigators ' Chain Of Title Analysis & Mortgage Fraud. have looked at Mortgage of XXXX XXXX & XXXX XXXX, dated XX/XX/XXXX and filed in the Official Records of the XXXX County Clerk 's Office on XX/XX/XXXX as ins # XXXX, regarding a loan for {$400000.00}. The Original Lender of the XX/XX/XXXX XXXX loan is XXXX XXXXXXXX XXXX  XXXX.. XXXX XXXX XXXX foreclosing is not named in any way on the XXXX XXXX & XXXX XXXX Mortgage. 

Further more, we have looked at the XXXX County Record relating to the XXXX XXXX & XXXX XXXX Mortgage dated XX/XX/XXXX. The XXXX County Record shows an " Assignment of Mortgage '', dated XX/XX/XXXX and filed in the Official Records of the XXXX County Clerk 's Office on XX/XX/XXXX as ins # XXXX, signed by XXXX XXXX as Vice President & Authorized Signatory and notarized XX/XX/XXXX by XXXX XXXX (? ), Tennessee Notary,  where XXXX XXXX XXXX XXXX grants, assigns, and transfers to 21 st Mortgage Corp. 

We have looked at the XXXX County Record relating to the XXXX XXXX & XXXX XXXX Mortgage dated XX/XX/XXXX. The XXXX County Record shows no record of a discharge of the Mortgage as required in covenant 23 of the Mortgage which states " Lenders Obligation to Discharge this Security Instrument, When Lender has been paid all amounts due under the Note and under this Security Instrument, Lender will discharge this Security Instrument by delivering a certificate stating that this Security Instrument has been satisfied. .This has not happened. 

The 21st Mortgage /XXXXXX/XX/XXXX is not apart of the original tangible note obligation yet seeks to use our judicial system to illegally steal real property from the American people a clear violation of Trump Administration Executive Order 13818 of XX/XX/XXXX Blocking the Property of Persons Involved in Serious Human Rights Abuse or Corruption.
On XX/XX/2018, this company reported a debt to my credit report that was not accurate. I called them and explain to them that they client never filed a claim under my health insurance to get paid. Even that I provided them with the insurance information. 
Furthermore they clients received a certified letter from my attorney in XX/XX/2018 stating that any bills that is not paid by the health insurance will be cover by the accident settlement. I also called XXXX XXXX XXXX that I formed me they received the letter and advised all their physicians account managers.
Starting in XXXX of XXXX, I became apprised of my rights under the FCRA regarding a repossession of my BMW. I contacted the bureaus and BMW directly because in XXXX XXXX my car was repossessed. I became XXXX and made payments for as long as I could. Simultaneously I was in danger of losing my home, which eventually happened in the same month. I was told that if I surrendered the vehicle it would be recorded as a " voluntary repossession ''. This was not the case. Further, according to the laws of the State of North Carolina UCC 25, and the State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I assert that because I lost the home, I was never provided with the notices and was also denied an opportunity to cure. The paperwork was not forwarded until months later. Moreover, the FCRA requires that all information regarding this account are accurate and true. One of the bureaus shows the vehicle as a charge off, where I know BMW received a credit on their taxes for the amount they claim in XXXX. The other bureaus show that the account is open, which is inaccurate. The amount of the charge off was reported incorrectly for several years. When I brought this to BMW 's attention and they updated the amount, but not the status of the account. This account has caused me continuous hardship and is being reported incorrectly. Lastly, under Section 1-52.1 of the North Carolina Rules of Civil Procedure , the statute of limitations for debts is 3 years for auto and installment loans, promissory notes, and credit cards. This debt is no longer even collectible.
Experian is reporting a fraudulent and negative account on my credit file that doesn't belong to me I have sent them all the documentation and police reports to have this removed and they have failed to correct this matter. it has been over thirty dys and they never informed me of the investigation results and as far as I know never researched it. I have submitted numerous written disputes via mail, online and via phone. I told this will be resolved and never has been after numerous months of working on this with them, they are the only credit agencu with this incorrect information appearing
I had XXXX home equity line on property A, for several years, and had a balance of approximately XXXX in XXXX 2014. I purchased another property ( property B ) for which I paid cash and I moved into it. For months I worked with TD bank to close the LOC on property A and take out an LOC on property B to pay off the XXXX XXXX Property B appraised at XXXX and I have a credit score over XXXX. I sold property A and had to find cash to close the line on property A all due to sheer incompetence at the local office ( XXXX XXXX XXXX, XXXX, CT ) working with an agent named XXXX and a Manager named XXXX XXXX. XXXX XXXX no longer works for TD bank. I finally secured the LOC by working with a women in their corporate office in New Jersey named XXXX. I had to close on the LOC at the local branch on XXXX XXXX XXXX, XXXX CT, again with XXXX and XXXX XXXX. At that time XXXX XXXX seemed to take all the credit for obtaining this loan for me, which he did nothing, and while XXXX tried I am not sure he ever knew what he was doing. At that time I expressed my concern about all the lost time on my new LOC, as I was worried about running into prepayment penalties. XXXX XXXX conveyed to me that if should become the case we could work something out. I received nothing in writing. I signed the documents, opened the new line, and now I have closed it 16 months into a 24 month commitment. They charged me the full {$450.00}, I tried to, work, it out with them, but between being on hold for hours, telling my story over and over, the new ( as of 5 months ) branch manager at the local branch told me to go pound sand. I am extremely frustrated at their lack of continuity, respect for customers time, incompetence in creating this situation in the first place, and unwillingness to try to reach any sort of amicable solution. I do not know if I have any legal grounds to stand on but certainly want them as well at the banking commission to know of my displeasure. Thanks
the issue is not with a company.it is with the credit bureaus...seems that the amount of time an account has been in effect..counts for the score...credit bureaus show only i year for them...i have accounts since XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX etc..XX/XX/XXXX, etc.

if this is a factor in correct score..i need a correction.
Bridgecrest calls me up to 10 times a day and has now started calling my work after I asked them not to. I recently got behind on my car payments and contacted the company to make payment arrangements. I was told that it was pay or else. I have also been told that they will move one of the payments to the end of my loan and they do n't ever do it. They send emails saying they will work with me if I call them but, when I call them they tell me there is nothing they can do. 
Below is the email that I sent to them on XXXX/XXXX/2016 DO NOT EVER CALL ME AT WORK. You tell me you will work with me on payments and that is a lie, all you do is tell me that I need to schedule a payment and I ca n't do that unless there is money in my bank account. You have told me that you will move one of my payments to the end of the term and that is a lie as well. I was also making extra payments that were suppose to catch me up, and found out later that you decided to just apply that to my interest ( I 'm assuming so you could keep me behind ). I have stayed in contact with you guys when this first got behind and tried to resolve it then, and was told there was nothing you can do other than schedule a payment to come out of my account. I have had XXXX cars with your company and have n't ever been behind until last year when I lost my job and yet again all I was told was sorry, there is nothing we can do. I spoke very highly of your company until I tried to resolve this issue and was given a pay or else option. 

I will hopefully make another payment by the end of the week.
The loan was refinanced and the account online reflex paid in full. But I just got a derogatory comment on my report saying I was delinquent. The loan was refinanced in XX/XX/XXXX and I started attended college in XX/XX/XXXX. But I have a remark stating I 'm delinquent for XX/XX/XXXX-XX/XX/XXXX. I do n't understand why this company is still making credit report statements if the account states paid in full. I want to know what I have to do to never be involved with this company ever again. It 's like they revel in making credit worse, even though I 've made several attempts to try to make payments. But every time it 's the worst experience. I hope the company evolves to be work with individuals willing to make payments instead of giving the run around so they can make negative comments.
I have asked the company to notify me in writing about the loan. Over the course of the vehicle loan, the company would resort to calling third parties or individuals with the same last name in cities located outside of where I live. 

I wrote them to ask them to stop this practice and eventually believed that the aforementioned collection practice ceased. 

I have a landline set up for the purpose of using internet services. I also asked the company to communicate with me through the United State Postal Services. I received no billing statements from them for approximately a year XX/XX/XXXX. They wrote with an apology to say that it was an error due to their system. 

The vehicle loan was taken out approximately 5 years ago. I am currently employed seasonally. During the winter my work hours are reduced or are totally cut because I am considered an adjunct staff. 

I was 2 full months behind on the vehicle loan and have since paid the 2 months arrearage on XX/XX/XXXX The lender has demanded that I pay {$980.00} by XX/XX/XXXX including late fees in the amount of {$240.00} I paid {$740.00} cash on XX/XX/XXXX at a local banking retail center. The amount of {$370.00} was due on XX/XX/XXXX. I will be able to pay the XX/XX/XXXX and next payment of {$370.00} by XX/XX/XXXX The lender forwarded a NOTICE OF DEFAULT AND REQUIREMENT OF STRICT COMPLIANCE letter dated XX/XX/XXXX I received said letter on XX/XX/XXXX after XXXX XXXX. 

The vehicle loan 's maturity date is XX/XX/XXXX Due to the approximate 1 year, I have left to pay on the vehicle loan and my current seasonal employment status which has changed since the life of the loan, I respectfully ask that the lender not enforce strict compliance in amounts not currently due.I am also asking that the lender accept current and all future payments so that I may satisfy the vehicle loan by said date of maturity. 

Pursuit of sections 805, 807, 808 all that would apply under the Consumer Financial Protection Bureau ( CRPB ) I am not in agreement with the lender 's threat to enforce repossession of the vehicle/ collateral or threat of legal action for any amounts due. 

I believe that I have given the lender a chance to correct the communication errors that have occurred during the lifetime of the loan. 

I ask that the lender offer a fair chance to me as the consumer and customer to bring the loan to a payment status that is satisfactory including past due amounts and any amounts that have become due before the payment deadline. 

I am therefore asking that the Consumer Financial Protection Bureau advise me of my rights and responsibilies as a consumer in order that I may bring resolution to this matter of business in a fair and respectful manner.
I have no idea where this account cane from. But my personal information may have been used through data breaches with several companies to include XXXX. This is either a fraudulent account, or belongs to some one else. It's showing XXXX XXXX XXXX reporting this but the account is showing to be originated with a company called XXXX XXXX. I have never applied for a pay day loan for this company ever. I would like to have it removed frommy credit report with all the major credit reporting agencies as soon as possible.
I am filling this complaint because Transunion has ignored my request to provide me with their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX ( XXXX ) ( XXXX ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
My mother purchased a home using a reverse mortgage in XXXX, XXXX. She passed away in XXXX, XXXX with me her sole heir. The property was foreclosed without as much as an opportunity to discuss ways of keeping it. 

Under terms of the reverse mortgage there is an automatic six month extension for disposition of the property. On XXXX XXXX, XXXX I submitted a letter of intent and request for an additional six month extension to Wells Fargo. The succession for XXXX 's estate was started XXXX XXXX, XXXX and I was granted a JUDGEMENT OF POSSESSION on XXXX XXXX, XXXX. I received correspondence from XXXX XXXX, XXXX ( XXXX 's foreclosure attorney ) on XXXX XXXX, XXXX indicating that foreclosure proceedings had been initiated. 

I immediately began trying to contact XXXX to get information and the status of the loan and of the requested extension. After several attempts and numerous conversations with XXXX Customer Service Representatives in which I was told that they we unable to discuss anything about the loan with me, I initiated a conference phone call that included me, my attorney, XXXX XXXX XXXX, and an attorney from the Wells-Fargo legal department. That conversation proved fruitless and ended with the XXXX attorney taking the position that only " Letters of Administration '' from the court would allow XXXX to discuss anything concerning the loan or property with me. 

The property was scheduled for sale at XXXX XXXX XXXX Sheriff 's Auction XXXX XXXX, XXXX. Well-Fargo Bank acquired title to the premises at that sale. On XXXX XXXX, XXXX I received a Notice of Foreclosure with a Ninety Day Notice to Vacate and surrender possession. I removed all personal property and furnishings, at great expense, and turned the keys to the property over to Wells-Fargo 's designated agent. 

About XXXX XXXX, XXXX I received a summons regarding a motion to set aside the sheriff 's sale and reinstate liens and mortgages as if the sale had never occurred. That motion was granted and the judgement signed XXXX XXXX, XXXX. I believe that the entire process and the tactics employed by XXXX in this matter were patently unfair and possibly illegal.
Received a call on my answering machine announcing that I needed to call back a number about a debt issue. XXXX day later I received a collection notice for {$78.00} for date of service XXXX/XXXX/2015 from Arcadia Recovery Bureau for a doctor charge from XXXX of 2015. 
Checked my EOB/Medical file to find that I never received a bill from the provider. 
I contacted the provider University XXXX XXXX XXXX XXXX. They told me that they had sent a bill on XXXX/XXXX/2015 that was returned from the PO stating " temporary out of town and can not deliver ''. At that point they told me their policy was to flag the account for that invoice and future invoices for collection. 
1. I do not understand how that policy can be legal. The creditor must do due diligence to make an attempt to collect the debt before turning it over to a collection agency. Automatically flagging an account does not constitute due diligence. 
2. XXXX further told me that they have so many patients that is the only way they can handle the billing process. Just because they do not have the proper man power does not mean they have the right to put a persons credit record in jeopardy. They have my home number, my cell phone number, my email address and a messaging system from XXXX XXXX XXXX in place to contact me. 
3. Flagging an account because of a temporary mail delivery issue is not the patient 's fault. On the hospital side I still receive bills and process them for payment. They have access to all those records and should be able to determine if the mailing address is correct. 
4. The message left by the collection agency disclosed debt collection information and my name on an answering machine that is available to other individuals. That can not be legal. 
5. I believe XXXX 's billing system is flawed, prejudicial and illegal and I need help to shut it down.
In complaint # XXXX and others I proved what Select Portfolio and XXXX XXXX call a modification was actually a cash out refinance loan, and I was never given any RESPA documents showing where the funds were dispersed and never given a 3 day right of rescission as per required by Federal law. 
This cash out refinance was done on XXXX/XXXX/XXXX, which would be the day that my right to rescind would start. 
SPS has finally quit trying to deny paying off any other loans ( XXXX actually paid off my then first mortgage with XXXX Mortgage, without my knowledge or permission, but they are trying to claim that my right of rescission was effective from XXXX when I took out my original loan, which was with XXXX. 
How they can assert this is beyond me, because the cash out refinance of my XXXX loan was done on XXXX/XXXX/XXXX, not XXXX. 
I rescinded the loan in XXXX XXXX, which is well within the 3 year right of rescission that SPS admits exists. Therefore, I again demand that my loan be rescinded. I also demand that the CFPB take enforcement action against these RESPA violations.
In XXXX I took out a private loan for XXXX XXXX XXXX ( now closed ) ; In XXXX I graduated XXXX. I was unable to find gainful employment for several years. When my forbearance was expired, I asked XXXX XXXX for help. I did not have the money or the cosigner for their only offer for assistance. Today I have a default judgement. I have tried to talk to XXXX/navient many, many times. They tell me to talk to the attorneys. I tried to make a settlement offer with the attorneys two separate times ; they ignore me. I am being charged {$100000.00}, I have already been garnished almost {$25000.00}. I am told I have to pay upwards of {$120000.00} for an education that cost less than {$50000.00} and took me over 10 years of hard work to make at least $ XXXX/year. No one will talk to me. This is extortion
I'm being accused for something that I didn't make so discover is pointing fingers at me and I want the world to see this comment. because what the point for anyone to sign up with discover and then they go behind you and stab you on the back after signing up with them!!! we made see their adveristment and then start making purchase month after month so we can earn our points then all of a sudden they will accused you if your card have gotten stolen ... 

you are not 100 % cover by discover, you are 100 % being fool by them so they can steal your money .... 

I serve my country and i can't believe the people that i'm protecting. 

they are accusing me for these transaction 1 ) XX/XX/2018 ... ... XXXX {$250.00} ( XXXX   ) 2 ) XX/XX/2018 ... ... XXXX {$270.00} ( XXXX XXXX ) 3 ) XX/XX/2018 ... XXXX {$14.00} ( XXXX  ) make a wise choice and realized that discover is a horrible customer  service.
Ocwen continues to report XXXX different mortgages loans on credit report. I only have XXXX mortgage loan not XXXX. The same loan is reported 4 times all with different balances owed. This is causing my debt ratio to be high and making my credit score go down.Also the balance owed on all of my credit reporting agencies have the wrong balances the balance is only approx XXXX
I feel loan #XXXX is a Predatory loan with Fraud fees and services and Misleading lending and incorrect Balance Owed with shark loan interest fees and Balance never goes down after payments made and to cease desist all collections
Keep receiving telephone calls from debt collectors for a person with the same name, but different SSN and date of birth. 

Received calls from XXXX XXXX/Direct Capital ( # XXXX ) and from an unknown caller ( # XXXX ). 

I never received a letter regarding a debt collection, but continue to receive telephone calls.
I refinanced my home on XXXX XXXX of 2015. Prior to doing the refi my mortgage was with Roundpoint Mortgage, XXXX XXXX XXXX XXXX NC XXXX. Orginally I had financed the PMI into the loan with Roundpoint as per the UGI the PMI was refundable along with the escrow. On approximately XXXX XXXX, I received a refund for the escrow but not PMI. I then contacted the representative from XXXX who confirmed that the PMI was refundable. After being told this I contacted Roundpoint on XXXX XXXX and was instructed on how to proceed with getting the PMI refunded. On that date I emailed them the UGI and stated my concerns, I was informed that I would be contacted by a representative from the company, I also received an email stating that they had received my email and attachments. After approximately two weeks I contacted Roundpoint and was told that the email went missing in their servicing department and that someone would be contacting me. This never happened. On XXXX XXXX I once again contacted Roundpoint because a representative had not called or emailed me. I was told that I had to email them the UGI and explanation on why the PMI was to be refunded. As I did thisI was told that reprensative would be contacting me within XXXX hours. Upon doing this I received an email stating that that the company had received my request and I would be contacted. After XXXX hours, I was once again not contacted. On XXXX XXXX, I once again contacted Roundpoint and was informed that they were looking into the matter and once again I would be contacted by a representative within XXXX hours which did not happen. Because of this on XXXX XXXX, I once again contacted Roundpoint via phone and was informed that the PMI was to be refunded within 30 days. I was informed of this approximately 2 months after I had completed the refinance. Today on XXXX XXXX, I received a certified letter stating that the mortgage insurance was cancelled on XXXX XXXX. This approximately two months after they received paperwork from my new servicer and one month after I had orginally emailed Roundpoint. In this letter I was informed that I would be receiving a refund once they are able to locate the check. At this time I do not know when the check will be sent since this company seems totally incompetent. I feel that I have been as though I have been receiving the runaround from this company for the past three months and nothing can be done about it. I will be informing the representative from XXXX to not use this company again.
I disputed this account with a collection company called XXXX. XXXX  via XXXX  and even through the cfpb site and the company couldn't provide original contract with signature nor prove account even belong to me.A copy of a bill is not a valid method of verification, so by law this account was deleted and this company AFni must have purchased a recycled debt but unfortunately this debt doesn't belong to me and must be deleted or I will seek my attorney from XXXX XXXX XXXX in XXXX FL for damages and defamation.