WillisBack/dataset-financial-user-claim huggingface dataset:
This is a reply to XXXX XXXX XXXX XXXX 's ( XXXX ) response to Complaint No. XXXX submitted by XXXX XXXX XXXX. When fraud on the court exists, the orders issued by those courts are void. The courts were lead to believe that XXXX had standing to pursue this foreclosure based in part on an affidavit attested to by someone who obviously had no personal knowledge of the facts or actually reviewed the account record. Specifically, the affiant did not review the mortgage document that clearly defines when the loan becomes delinquent. Banks have been afforded far more deference by the courts than they deserve considering the industry was riddled with fraud at the height of the mortgage crisis. In fact, XXXX signed a Consent Order drafted by the Office of the Comptroller of the Currency ( OCC ) after an examination revealed flagrant abuses where affidavits were obviously signed by someone other than someone with personal knowledge or reviewed the facts. Similarly XXXX XXXX XXXX, who responded to this complaint, had no personal knowledge or provided no evidence that she reviewed the facts. She was the attorney of record but was not the litigating attorney. My records from the numerous proceedings indicate that she never opened any of the motions I filed with the XXXX County XXXX Circuit Court when the cases were opened. Someone with personal knowledge of the facts should have responded to this complaint. Anyone can get a copy of a docket sheet and summarize. XXXX filed or caused to be filed in federal and state courts, an affidavit in which the affiant represents that the assertions in the affidavit was based on personal knowledge or review. Under Michigan law, affidavits recorded with the register of deeds may be received as evidence in any civil matter and serves as prima facie evidence of the facts ( MCL 565.453 ). Prima facie evidence is sufficient to raise a presumption unless disproved or disputed. Despite being rebutted, the court presumed it was an accurate accounting of the facts. The response to my complaint is inadequate and fails to explain issues that are at the heart of this dispute such as : 1 ) Why XXXX believes the loan first became delinquent in XXXX 2012. 2 ) Why XXXX believes they do not have to respond to my Qualified Written Request sent prior to the foreclosure.
My XXXX and I own a XXXX checking account which only had {$25.00} in it most of the time. On XXXX/XXXX/XXXX my XXXX unfortunately gave someone he knew his debit card to make a deposit so he could withdraw some money for himself ( approximately {$400.00} ). The person said to meet him at BOA the following day to make the withdrawal. The person then called BOA, identified himself as my son, and made XXXX separate claims of deposits that were allegedly made but not recorded at the ATM. Both claims were made within XXXX minutes of each other. The second claim was opened up using my debit card information which was never given to him. My son then went to the bank the next day and was asked to withdraw the cash and give it to this person and then take some out for himself as promised by this person. My son did not know that temporary funds were placed into his account. He believe the deposit to be real. 

BOA will not give me any details as to how this person was authorized to get the funds or how he was able to open up a second claim. I realize my XXXX was negligent in giving some of the information, however, there never should have been a second claim opened within XXXX minutes using my information. Something is wrong.
I checked my credit report and found inaccuracies. They verified the account so I sent a request to experian via certified mail asking for method of verification. I also challenged XXXX XXXX compliance.They have not provided me with documentation showing how they verified these accounts. They also sent me a letter stating they will not reinvestigate if i do not provide them with information but they did not provide me with what i asked for. I want to remind experian that as in XXXX v. XXXX XXXX XXXX, No.XXXX ( XXXX. XXXX. XXXX XXXX, 1995 ), you maybe liable for your willful non-compliance.They is taking away my rights as a consumer.
I am filing this complaint because  XXXX , Equifax, and   XXXX   have ignored my request to provide me with the documents that their company has on file that were used to verify the account I disputed. I have been requesting verification of the following account that  XXXX , Equifax, and  XXXX  continue to report on my credit file : Bankruptcy Case ID #  XXXX . I also contacted the United States Bankruptcy Courthouse in  XXXX , GA and spoke with a court clerk. The clerk 's answer was definitively clear : " The Bankruptcy Courts do not have any type of communication with any of the credit bureaus. '' Then I asked if the court received anything from  XXXX , Equifax or   XXXX   trying to verify the case, the clerk 's answer was again clear : " No, we did not receive anything from  XXXX , Equifax or  XXXX  regarding your case. '' She stated they do not furnish information to credit bureaus electronically, by mail, or by any other means. I have verified with the clerk of court stating they do not report or verify anything with the credit bureaus.  XXXX , Equifax, and  XXXX  are using a third party to report this inaccurate information. I 'm requesting the immediate deleti on of this inaccurate information.  XXXX , Equifax, and  XXXX  are violating the Fair Credit Reporting Act by saying they verified this item. Please, see the attachment. Also, under Section 611 ( 5 ) (  A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I request that this public record Bankruptcy #  XXXX  be removed due to lack of verification and inaccurate reporting of verification. I have repeatedly requested tangible documentation whether electronically or hard copies and  XXXX , Equifax, and  XXXX  have yet to verify. Also,  XXXX  informed me that they were not going to reinvestigate this information again unless I send additional relevant information.
Thank you for your support in monitoring our wrongful foreclosure case that was brought against us by AHMSI/Homeward Residential/Ocwen/XXXX. Ocwen has never planned to help our family even though we never defaulted on any of our HAMP payments. Ocwen has continued to refuse to drop the foreclosure against us so that we can work directly with Making Home Affordable Escalations and the CFPB. Ocwen moved for summary judgement against us over the holidays proving that Ocwen has no intention of helping us. XXXX/Ocwen stated that we have not given any proof that our loan is a part of the Ocwen National Mortgage Settlement when we are clearly the poster child of why the settlement happened in the first place. We have never wanted a free house and Ocwen is forcing us to continue to incur substantial legals fees instead of settling with us and having the money go to the true investors of our loan. Please continue to monitor our case to insure justice and fair treatment. We want to settle as soon as possible XXXX.
In the past few 5 years I 've used Equifax to obtain my credit report and obtain credit monitoring services. I 've now learned that due to a security breach my personal private information may have been made available to criminals. Furthermore, Equifax 's website may or may not be able to confirm whether my private information was stolen or not. This puts me at risk for identity theft as well as other financial losses.
I took out a loan from XXXX XXXX, or XXXX XXXX, in XX/XX/XXXX. I let the loan default and in XX/XX/XXXX I started working to resolve the debt with the company. At the time, XXXX XXXX had informed me that the servicing and collection of the debt was sent to a company called XXXX XXXX, now known as XXXX XXXX. XXXX XXXX and I began working on the account, setting up a payment plan, on which I made regular installments. In XX/XX/XXXX I made a payment to reach an agreed upon settlement of a total of XXXX paid towards the debt, and they informed me that would be considered settled in full for less than the amount due. They sent me a letter saying as such and I thought the issue was resolved. Shortly thereafter, I received numberous calls and letters from a company called XXXX XXXX XXXX  stating they were the legal collector on behalf of XXXX XXXX XXXX, that they had been hired by XXXX XXXX directly to collect on the debt, that no payments have been made, and my debt was still outstanding. I sent them documentation from XXXX XXXX, they made to effort to correct the error. Following that I contact quick cash directly, who informed me that they have no association with wakefeild and associates in any way, and that they had sent the account to XXXX. I filed a complaint, and forgot about the issues until recently. in XX/XX/XXXX, I was trying to improve my credit and get a loan from a local institution and they asked that I get a release from Wakefield. having forgotten about the situation I called them and inquired about the debt, and was reminded of this. Nothing has been done. Wakefield stated that I still own the debt, that XXXX XXXX is still contract them, nothing has changed. 

I reached out the XXXX XXXX again, they again stated they had no association with Wakefield and that all information was with the collection company XXXX XXXX, the new name of XXXX XXXX. I paid my debt, I don't want to pay it again to a fraudulent company that refuses to listen to reason. Wakefield and associates is either lying out right, or working off of very outdated and incomplete information, and has damaged my credit for the past 5 years as a result. I need help!
I received a car loan for which I made two years payments for, on a three year loan. After the car was impounded in 2013, I attempted to work with Forman Financial and their collections department, and was told loan docs and payment history would be sent so we could work out a payment plan. However, the documents I requested were never received and the loan was charged off. I would like charge off removed and the amount reflected in the report to show what was owed after the two years payments and XXXX down payment. I am also requesting copies of the loan documents and payment history. Also my credit report shows that they recently increased the loan amount.
Im so tired of going back and forth. Someone is garnishing my social security. the notice said the funds are going to navient. I have XXXX loans that are defaulted. They are not with XXXX. I logged into the website and I see XXXX with XXXX, yet my garnishment states its going to navient. XXXX said they re not garnishing my check but someone is. Well navient called me XX/XX/XXXX to tell me I was 21 days past due and owed XXXX payment for my total loan of XXXX. I called them 2 months ago and left messages and I also applied for IBR over 30 days ago. She said my loan was 21 days past due and how did I want to make that payment. And then guess what after 14 years of deferement and forbearance just when I thought that was over they offered it to me again and never discussed my IBR application which I sent all the info in and have not heard anything. I am sure they could care less about helping me now after 14 years as they are getting my social security. so now I am in deferrment again and i am trying to get it all figured out and then they offer no help at all. they did not even have record of my IBR application that I got an email stating they had received. LOL
I have a huge concern and I believe your agency can help me. I have lived in the state of Louisiana for 17 years and I have owned a home in XXXX, LA for 10 years. I am a proud community member who is invested in living my life there. My concern is that I am in danger of losing my home. Carrington Mortgage is the servicer of an FHA loan and they are trying to take my home without giving me a chance to make things right. I am a skilled pipe fitter and have been doing this for 10 years. I work hard and make good money but in early XX/XX/2017 my work hours were significantly reduced. I have had a difficult time ever since. I had to use up my savings to hang on, scrimping where I can but I unfortunately couldnt stretch any farther and I missed my first mortgage payment that XX/XX/XXXX. It was humiliating. I have been trying to get help ever since. 

I contacted Carrington Mortgage for assistance but was given the run around. I called and called but with no particular person to help me it feels like a never ending task. I sit on hold for long periods of time before I am told I have the wrong person and have to hold again. One person tells me one thing, then another says thats not right. What else am I supposed to do? I imagine my applications sitting on someones desk for weeks without being touched. Do other people have to go through this if they need help? Whatever happened to customer service? I have applied for a modification now many times and each time I was denied and the process would start all over again. Plus I am never told why I am being denied. So frustrating! I cant seem to get a break. Then I was told I qualified for a repayment plan but, after going through the agonizing process of applying for that I was denied for that, too. Who can help me? I have asked to speak with supervisors, managers and anyone with some authority but I get nowhere. I am getting desperate. I really hope you can help me. 

I am making good money now and I am finally starting to get back on my feet. My sister is now living with me and is helping out with the finances. She is also a hard worker and is committed to helping me keep my house. Together we have a comfortable life and would be devastated to have to move. I know I can make good on this loan if I can just get another chance and have some help in dealing with Carrington mortgage. I am sure there must be laws that protect and help someone like me. I am willing to apply for whatever program would get me started again and follow through with this if there really is hope that I can get the help I need.
I 'm experiencing financial hardship in my family. I have applied for financial hardship with my creditor and I was accepted to the economical hardship program by creditor. Creditor deferred payments for 6 months. After six months, my financial situation has not been changed and I contacted creditor by asking them to extend program due to extremely difficult situation. I do not have any type of income at the present time. I paid creditor partial payment as I was advised to prevent delinquency on my account and reporting derogatory information to consumer reporting agencies. Creditor was harassing me and their collection department demanded from me to make payments. I applied one more time for financial hardship program. The started reporting negative information to credit reporting agencies. They continue demanding from me payments to bring account to current and reporting to credit reporting agencies. I still waiting for their decision with acceptance into financial hardship program. I 'm asking creditor to delete negative information they reported from my credit report and allow me some time to reoccupy in order to resume my normal payments.
I have been receiving calls from a debt collection agency for years. Every time they call, they ask for the same person who has my first and last name but a different middle initial. It appears that NAR in Arizona is the company that calls me once every few months. I have asked this company to remove my phone number from their database yet I receive calls from them on a regular basis.
I received calls this company called Resolve Partners in XXXX NC I spoke to the male in the office he said so many harsh and unprofessional words to I asked to speck to his manger he said I could If I paid my freaking bill that I owe I tried to explain to him that I do n't owe this and that I applied for XXXX aprtments and I choose the other XXXX he said that I owe this amount and I better pay it. I reached out to my county court house and was told that it was a court hearing that I knew nothing about and that the judge only asked for the possession of the unit back not any money so I called the collection agency back and advised them of what I was told and offered to give them the proof that was given to me they declined and say you better off paying this we are n't going to remove from credit an they will do what they need to do to get this money and continued to call until I asked the attorney at my job to send them a letter and email and he did and they have stopped calling and he also sent them a letter to remove from my credit reports and they have continued to report me to all XXXX credit reports. I have never lived at this apartment complex and never had any utilities in my name there I choose my current apartment location instead and have proof and all my rental payments and utilities listed in my name. This company has given me so much stress and harassment and is ruining my credit. please, please please help me. Thanks in advance
I have previously settled an account with Midland Credit Management in 2014. Of note midland is not the original owner. After speaking with the original creditor it was agreed that the tradeline would be removed from all of my credit reports. I was instructed via letter from the original creditor " We initiated the process of removing the tradeline from your credit history. However, any derogatory reporting of this account by any other lender will need to be addressed directly with the other lender.If you need to provide evidence of the requested change prior to the credit reporting agencies ability to update please provide a copy of this letter '' I relayed this information to Midland Credit Management and they refused to remove their report from my credit reports. It should also be of note that despite the account being settled Midland Credit Management continues to list the account as open on my credit report. It is disheartening to know that an account that has already been deleted by the original creditor is still being reported by Midland Credit Management. 

Midland also is reporting inaccurately across all of the credit bureaus. Information with regards to date of first delinquency, date of account settlement, and status of the account. 

I submitted a complaint to the business consumer alliance. They have attempted XXXX to get into contact with Midland Credit Management. Midland credit refused to respond to the the complaint. The complaint ID is listed below as a point of reference. 
Complaint ID : XXXX
I have reported to all 3 credit bureaus multiple times that XXXX is wrongly reporting my private loan status/information. The account was opened in XX/XX/XXXX for {$10000.00} and started repayment in XX/XX/XXXX. My credit report states that the account was closed ( and charged off ) in XX/XX/XXXX. It is still on my credit as an open account and reports that I am 90 days late every month and also reports that my account is charged off every single month. 
How can both be true? If the account is closed/charged off then no payments are due. 
Or if the account is open then it hasn't been charged off.
KLS FINANCIAL SERVICES INC violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. KLS FINANCIAL SERVICES INC added a collection to my credit reports without my knowledge. I have never received any written correspondence from this company at all. KLS FINANCIAL SERVICES INC reported this collection to XXXX, XXXX, and XXXX. For the amount of {$170.00} and {$400.00} Opened on XX/XX/2014. This is invalid, I have no knowledge of where this comes from. I have not received any written correspondence from the original creditor or this company. KLS FINANCIAL SERVICES INC put a collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. I HAVE NO CONTRACT WITH KLS FINANCIAL SERVICES.
I had a loan with TD auto finance. I refinanced with XXXX XXXX XXXX XXXX. XXXX XXXX sent TD a check to payoff the loan and they have proof that the check was recieved by someone at td on XXXX XXXX. Since then they have not cashed the check and they are trying to get me to continue paying them. I 've called them multiple times and they ca n't seem to figure out what happened to the check. I showed them the proof it was recieved and they keep writing a note on the account to research the problem. That 's all they ever tell me. They even spoke to carter federal and admitted to them that their cashiers department is backed up. Well here we are a month later and in 4 days my account for td will be 30 days over due and it will be reported to the credit agency. I have excellent credit and I do n't want it ruined because of a company 's incompetence and failure to cash a check and post it to my account in a reasonable amount of time.
Purchased new Nissan in 2013 setup due date thru dealership for mid month. 1st and only statement every mailed to me showed due XXXX of each month.made monthly pymts per this statement on bank auto pay, setting up online acct this morning and finding out for 1st time that I have been charged ) ate fees for 2yrs for paying late, but did not report because acct still considered current, Never called or contacted in anyway to advise me of this, even when I called for help setting up acct online Rep. Did not even say anything about this only found out once I could log into acct. Was told just pay at end of contract. After some time on phone did get XXXX dollars waived but feel should not have to pay any of these fees because I was Never told about this or sent statement. Nissan first said statement mailed to bank because on auto pay? Not sure why because my bank would have mailed them a ck in my name never requested paperless did n't even know acct # this is why I called when setting up acct, if I had not been setting up online in 3 more yrs loan would never pay off because I would continue being charge fees for late pymt.
Somehow My father accidentally added me as an authorized user on his credit card at   XXXX   XXXX    I was never and have never been involved with his  XXXX  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the  XXXX  's down into the  XXXX  's and has affected my ability to get an addiquit house loan.  XXXX  removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a  XXXX  and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting her credit score. It just does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem.  XXXX   XXXX  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all
Total disputed amount on XX/XX/18 XXXX XXXX XXXX. ( BBVA compass ) Got a response today stating that " no error occurred '' however the transactions were fraudulent and I filed a police report already with XXXX police Dept and provided XXXX XXXX, with that documentation. And they still declined my claim, and refuse to reopen my dispute. 
I will contact the fdic too if I have to.