WillisBack/dataset-financial-user-claim huggingface dataset:
NOTICE OF FILING CERTIFIED FRAUD EXAMINER AFFIDAVIT NOTICES IS GIVEN That XXXX XXXX XXXX, debtor hereby files a certified Fraud examiner Affidavit, with the propose to clarify Objection to Confirmation of Plan and Standing of creditors One West Bank Mortgage Servicing, a division of CIT Bank XXXX. 
FOR HIS CONCLUSION : One West Bank FSB does not have standing to foreclose on the subject property as it is not the holder in due course of the subject loan. According to PSA which created the trust which currently owns the loan, the only possible holder in due course is XXXX XXXX XXXX XXXX XXXX as trustee for the IndyMac XXXX XXXX. However, XXXX and IndyMac Bank, FSB violated their own securitization trust documents. Therefore, XXXX lost its interest in the subject property and its right to foreclose by violating its own PSA, giving both the homeowner and the REMIC investors a cause of action for fraud. 
I 'm victim of Robo Signer and all the proof are on this Certified Fraud Examiner Affidavit attach. 
THEREFORE, I respectfully request that this Honorable Court take this Notice in Consideration. 
I HEREBY CERTIFY That a true and correct copy of the foregoing has been furnished by U.S MAIL to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX FL XXXX and to XXXX XXXX Trustee XXXX XXXX XXXX at XXXX BOX XXXX, XXXX XXXX, Florida XXXX this XX/XX/2015
Hoping for a mortgage modification that is affordable. Submitted all the paperwork to Ocwen back in XXXX 2016 as of yet nothing has occurred. I had a hamp before " not affordable '' so I know it does n't take this long. I have complied with all their demands. The sale date of my home has been cancelled 4 times. there is a pending sale date for the XXXX of XXXX. When I call Ocwen they state that the foreclosure proceeding is on hold and the modification is under review. My relationship manager does not understand why it is taking so long. I am afraid the sale date will approach and a resolution will not have been achieved.
FIRST FEDERAL CREDIT CONTRO L, INC.     XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX  OHIO  XXXX  ACCT. #  XXXX  FOR {$240.00} * Is attempting to collect on a debt reported as fraud to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX .   The insurance company is investigating this as fraud due to improper billing paid by the insurance firm. Also, advised never to go back to this  XXXX   XXXX ,  XXXX .    * T his is Disputed as  Fraud.
received a notice of this debit. But I explained this debt was not accurate at all. I 'm being charged for something I never received. Not right at all. This was a XXXX doctor I went to get XXXX. My insurance was to pay for these. This doctor should of had pre approval from my insurance to obtain these. He did not. Made these and then states your insurance will do pay for these. Again not right at all.
Every year, FedLoan Servicing requires loan participants to submit an employment certification form. My HR representative completed and signed the form, as she has in the past. I received an email notification from FedLoan Servicing directing me to go to their website to login to receive communication from them. When I logged in, there was a message that they could not certify my employment because I did not include an end date for my employment, The other reason was that my form was not signed. Both reasons are false. 
On the form, the HR representative put a check in the box that I am still employed. The HR representative signed and dated the form. When I called FedLoan Servicing this morning, their representative, who identified herself by a rapidly read number, not a name, told me that the reason the form was denied was that the " XXXX '' on the date was altered and that if any changes are made to information on the form, it must be initialed by the person making the change. I explained to the person that the HR representative only darkened the XXXX in 2017. I also explained that there is nothing on their website that indicates that if a person makes changes to the form that it has to be initialed by the person making the change. If the person who makes changes to a form has to initial the change, why is n't this information listed on the website so loan participants would be aware?
I have not consented to a contract, so there can not be an existing Judicial contract for child support. There is a separation of powers issue along with a number of FCRA and due process issues that are routinely as a matter of habit violation. How can one be court ordered lawfully to be coerced into participating in an executive branch program through the judiciary. You just can't. FCRA 622 reads : Notwithstanding any other provision of this title, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 604 [ 1681 b ] of this title any information on the failure of the consumer to pay overdue support which is provided ( B ) to the consumer reporting agency and verified by any local, state, or Federal government agency.
Portfolio Recovery Systems Inc., calls on debts they never owned and do not exist. My credit report is clean, I owe nothing to anyone. They keep calling pretty much daily ; from a different number each time. It is beyond annoying! It is XXXX ( now XXXX ) that sells phone numbers to companies. ( not part of this issue, but the way this company gets peoples info. They never called until I got a XXXX phone number, not a coincidence! )
XX/XX/XXXX XXXX XXXX Navient called and I explained to the male representative that I work Mon-Fri XXXX-XXXX  EST and not to call during those hours. He stated he would make note of it and only call after XXXX.
XX/XX/XXXX XXXX Navient called again, different male rep. He states it 's not noted in my account and interrupts me and asks if the phone number is a landline or a cell phone. How could I be at work answering a landline/home phone? He sounded confused and un-confident. I disconnected the call.
I applied for a credit card with Chase, and was declined due to " too short of credit history. '' However, this is because I have only been eligible for credit for two years, simply due to age. I have excellent history within those years, including perfect payment history on cards with limits up to {$9000.00}. I am applying for cards as a member of the XXXX using them to travel. As a XXXX member, I have most expenses covered, in addition to getting reimbursed for most flights. It seems like I am only getting rejected due to age.
submitted a complaint. The credit bureau said they verified the information but have yet to provide me with the verification. Once again the information that is showing on my credit report is incorrect. It appears that the company knows the credit bureaus are not verifying the information as they are supposed to so they just change the information around because the credit card do not properly verify. I have asked for whatever they are using to verify but was told they do n't have anything.   XXXX   has removed this because they were n't able to verify any information. There is a copy of my  1st com plaint listed below.               whom it  may  concern, I mailed several letters of dispute last one being certified on  XXXX   XXXX   XXXX  in regards how    XXXX   XXXX   is  reported on my credit report. Once again within a few days it comes back as verified.  XXXX  is reportinb me to be anywhere fro m 30 to 90 says late and being over 100,000 b ehind. They only purchased my mortgage in  XXXX  from another servicer. In  XXXX  I obtained a government modification which at that time my acct was at a  XXXX  past due and my new payment became  XXXX  a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it   states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violatio n of 1681 ( a ) ( 4 ). Under  section  611 ( 5 ) ( A )  of the FCRA states the CBA is required to promptly DELETE all information which can not be verified.
Ditech offered a " loan modification '' which I took advantage of and received a letter on XXXX XXXX, 2017, confirming my payment amount which did not change. On XXXX/XXXX/17 my bank, XXXX, sent a payment to Ditech in the amount of {$1300.00} which was the balance owed for the monthly payment since there was {$180.00} being held in suspense. The monthly payment is {$1500.00}. Ditech took it upon themselves to use this monthly payment toward " other fees '' which they NEVER said a word about to me! They MUST apply my mortgage payment to the XXXX payment and NOT charge me the late fee which they are now charging me.
Loan matured XX/XX/XXXX. 
Loan extension was requested prior to maturity but terms of modification were never disclosed to me. I was not willing to pay trial payments without knowledge of the modification terms. 
In XX/XX/XXXX, I requested a payoff amount to pay loan in full. I received a payoff quote charging me interest up to the end of XXXX which is way pass the maturity date. I requested to have an updated payoff with interest up to the maturity day. the investor stated this is not allowed. I checked the credit agreement today on XX/XX/XXXX and no where in the agreement it says they can charge interest past maturity. in fact, there is language that talks about a balloon payment at maturity where all interest and principal is due up to that point. that is all I want to do - I want to pay the account accurately and in full up to the maturity date. they stated if I pay less than that then the account will reflect as settled and non paid in full on my credit history. I do n't agree with this. in addition, today 's representative " XXXX '' stated that there is default language in the agreement that states they can charge interest pass the maturity date. this is a lie as nothing is stated in the agreement regarding default. he proceeded to hang up the phone when I asked for the language he was referencing.
My mortgage was purchased by Arvest Central Mortgage Company, after purchasing my loan they ordered gap flood insurance on my behalf at a significant annual cost to me. The company never reached out about this situation. 

My flood insurance is paid for by my HOA and is an NFIP flood policy for 100 % of replacement cost. 

I have called 3+ times about this issue and each time they have told me that it is the companies practice to require flood insurance at the minimum of $ XXXX or the loan amount. 

Per the FDIC An institution must ensure that the minimum amount of flood insurance covering the condominium unit is the lesser of : the maximum amount of insurance available under the NFIP which is the lesser of o the maximum limit available for the residential condominium unit, or o the insurable value allocated to the residential condominium unit which is the replacement cost value of the condominium building divided by the number of units. 

I am lucky to have a background that has exposed me to mortgage requirements but it is scary that no one at this company can refer to national lending requirements. 

Your help is greatly appreciated.
We are looking to buy a new car. Two companies pulled credit score both received it from Experian. One company got score of XXXX and the other a XXXX. How can this happen from the same credit company? The scores were pulled within two days of each other. Also if XXXX claims to keep accurate credit scores, why are they always different when scores are pulled from loan company?
My complaint is not about a lender. It is actually about the verbiage the CFPB created with regards to the FCRA. On page XXXX. The section about sharing a credit report with a consumer. FCRA says a lender can not share a credit report at all with a consumer unless an adverse action is taken by the lender. Problem this creates is that the lender needs multiple things addressed up front that appear on the credit report. This leaves the only method of communicating to ask the borrower to explain late payments, a list of inquiries and a list of addresses as verbal only. Many borrowers just ask to have the list of requirements of explanations to be emailed to them so they can review them and explain them. But the FCRA prohibits this. This is not consumer centric or friendly at all. Is there something in the FCRA that allows a lender to openly communicate in writing with the borrower about these items? Not looking to give the borrower a copy of the credit report but can cutting and pasting or retyping the areas of concern from the credit report be permissible. I only read what I saw on page XXXX with regards to this topic. I have been in the industry for 35 years and with my current employer ( lender ) for 22 years. I am confident while my employer follows the letter of the law other smaller lenders are sharing parts of the credit report with the borrowers with no issues. So my question is what can we do other than just try and communicate this verbally with borrowers.
Not able to access direct deposit funds. Call member services for Rushcard and all I get is it should be available soon, we are working on the problem, and we had a system outage. This has been an unacceptable issue for way to long. My bills do n't wait for apologies. If this issue was truly caused due to a system switch, would n't make sense to go back to doing it the original way until you tested the new way before you implement the new system. 

If that is truly the case this was a tremendous fail with no back up plan and no concern for hardworking consumers
I Applied for mortgage with Citi with a closing date on a new home being built by XXXX XXXX. Citi did n't schedule final inspection properly and resulted in my closing date being delayed by 4 business days. Per Citi, ( taken from Citi webpage ) " On-Time Closing Guarantee - We 'll close on time or give you {$1500.00}! '' with the following restrictions - XXXX " If you are purchasing a home, we guarantee to close by the date specified in your purchase contract, unless prohibited by federal law, * and further provided that the date is at least 30 days after the application date and the date of your purchase contract. If your loan fails to close on time due to a delay by Citibank, you will receive a credit toward closing costs of {$1500.00}. Offer not available for refinance loans, co-ops, unapproved condos, residences under construction, community lending programs and government loans. In Texas, the credit may not result in your receiving cash back. ( *Federal law requires certain disclosures be delivered to the borrower at least 3 business days before consummation. The Guarantee to close does not apply if such disclosures are required and your closing is delayed due to the 3-business-day waiting period. ) '' Loan Application was formally made XX/XX/XXXX, giving approximately 60 days until scheduled closing. 

Home construction was finished Approximately XXXX XXXX, XXXX and I had the final inspection/walkthrough with the builder shortly after. The final inspection scheduled with citi was scheduled with loan officer for XXXX XXXX, XXXX. Due to Citi scheduling issues, the inspection was rescheduled for XXXX XXXX and finally took place on XXXX XXXX, XXXX. 

Citi did not honor on-time closing guarantee stating that house was under construction at time of application. While this is true, that condition is not explicitly stated in Citi 's terms and restrictions. The house was NOT under construction when Citi encountered a scheduling error ( holidays maybe? ) and there for should still be eligible for the on-time closing guarentee per the verbage of Citi 's Terms and Restrictions as they apply to the 'on-time closing guarentee ' The fault for a late closing rests solely with Citi and was in no way influenced by the actions, or lack there of, of myself or the home builder.
DiTech XXXX # XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX  insurance was dropped on a property that I own that lowered my monthly minimum payment to {$460.00}. 

Problem : After XXXX written inquiries and XXXX distinct phone calls, DiTech has failed to correct on time payments to my account. Starting in XXXX XXXX, overpayments made to my account has not been properly applied to the Principal Balance after several requests to do so. 

As document C1 indicates, payments to DiTech are sent on a consistent monthly rhythm via auto Bill Pay thru my personal checking account ( XXXX ) in the amount of {$600.00} since XXXX XXXX. 

Approximately {$600.00} was sent on XXXX XXXX, XXXX ( see document C1 ), in which an overpayment of {$130.00} was to be applied to the Principle amount as previously requested. 

XXXX - overpayment appears to have been applied correctly - no problem XXXX - overpayment was not applied but placed in " Fund in Suspense '' account ( see B1 ). Additionally, my DiTech XXXX ( see D1 ) account shows that my overpayment was classified as a Late Fees. However, my payment was sent and processed by DiTech prior to the XXXX of the month in which late fees are applied per the Terms and Conditions. Both my record from XXXX and DiTech XXXX both indicate that my payment was received and processed prior to the XXXX. Furthermore, if I was late, why would my late fee be EXACTLY the same amount as my OVERPAYMENT. 

XXXX - DiTech appears to correct misapplied overpayment from XXXX by applying it to XXXX Principle, however, they did not apply it to XXXX ( Retro ) as requested. Finally, DiTech DID NO applied the XXXX OVERPAYMENT to the Principle Balance which was received on XXXX XXXX. 


In conclusion, DiTech failure to accurately process on-time payments result in my account occurring undue interest expense due to overage not being applied timely and correctly. Furthermore, it appears that I have to call annually to request that all overpayments be applied to the Principal Balance of the loan. 


Please, retro applied my XXXX overpayment to XXXX and likewise for XXXX. Any further inaccuracies after my initial request will result and legal actions. 

Thanks, XXXX XXXX XXXX # XXXX
: foreclosure mills co conspirator XXXX XXXX, XXXX a debt collector violating FDCPA rule are submitting notarized documents robo signed and self notary by XXXX XXXX XXXX she signs affidavit of ownership,, then notary he substitute trustee form see attached. She signs AS XXXX XXXX, AND TURN AROUND and signs the notary after she prints the name XXXX XXXX The substitution of trustee was not file in the court or available to the public when this case was file. 
XXXX XXXX SIGNS The afflictive of ownership XXXX XXXX SIGNS signs affidavit of default XXXX XXXX sign as XXXX XXXX, AND TURNS AROUND AND NOTARY THE SAME DOCUMENTS with this boiler plate forms and template form XXXX XXXX signs and notarized her documents ... request FOR DEPOSITION XXXX XXXX ( you have over XXXX attorney in this case non have sign document to certified the truth to fact of the false documents they are filling in court. 
will prove she was hired as a ten dollar an hour employee hired to sign documents and notary her document, robo signs who lack knowledge of what she was signing. 
The previous debt collector XXXX XXXX used XXXX XXXX, XXXX XXXX to sign affidavit when that was challenged the case was voluntary dismiss by the debt collector capital one, Na and debt collector XXXX XXXX, XXXX. 

Connect the dot back the note and security agreement. self appointment of of trustee, no proof of standing, lack interest assignment in lank record states a very different owner defective assignments case voluntary dismiss after being challenged .Connect the dot back the note and security agreement. 
self appointment of of trustee, no proof of standing, lack interest assignmnet in lack record states a very different owner defective case voluntary dismiss after being challenged ssignment FRAUD pattern in land record by XXXX XXXX XXXX XXXX XXXX lack interest no assignment in land record. assignment in land record states a very different owner Defective assignments voluntary dismiss after being challenged by previous substitute trustee see exhibits attached ASSIGNMENTS FRAUD FILLING FALSE DOCUMENTS REQUEST AFFIRMATION BY THESE ATTORNEY AS ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no evidence of XXXX on note attached no proof of standing, lack interest no ssignment in land record no evidence of XXXX on note attached. no document to show XXXX owing the note and mortgage SEE EXHIBITS XXXX CASE ...
I have a XX/XX/XXXX XXXX XXXX that I purchased from Auto Connection in XXXX NC. In XX/XX/XXXX. It is financed with Michael Wayne Investment. There are some unresolved repair issues that is a ongoing issue sense I bought the car. I bought a extended Warranty and took the car in to be repaired in under two weeks after i bought it. The repair shop replaced a broken motor mount and transmission mount and told me the car was fixed but when i left the shop it still had the same problem. After taking it back to the dealership several times the issue never got diagnosed because of lack of concern by the dealership and their service manager, XXXX. XXXX was very rude and impossible to work with. I contacted Michael Wayne Investment out of frustration. It was at that time I was instructed by XXXX XXXX to stop making my payments until the repairs were resolved. So I did not make the payments. I started to get calls from their automated service everyday XXXX to XXXX times a day. I noticed when i would get in my car I heard a anoying beeping. Then my car would not start because they had it turned off by past time. Then because the repairs still have not been made XXXX XXXX started asking me when I am going to make my payment. So I started making the payments again, but because XXXX XXXX told me not to make several payments they are still calling me even the day after I make my regularly scheduled payments and tell me I am behind on my payments. I get calls early in the mornings all through the day and into the evening, and Sometimes tMy car wo n't start because they turn it off. I have asked them to stop harassing me with the phone calls and told them I 'm not behind on my payments because XXXX XXXX told me not to pay. I am stressed out bad because my account is past due and I am being called all the time. I never know when I am going to get I'n my car and it wo n't start. I am a poor person with a single income and I live paycheck to paycheck. I ca n't make more than XXXX payment at a time. it is wrong to treat customers this way. I wish I had never bought this vehicle. It is a bad car for my family. It has been in the shop XXXX times already sense XX/XX/XXXX and still not repaired. I do not have another vehicle to drive while this one is in the shop so many times.