WillisBack/dataset-financial-user-claim huggingface dataset:
ECMC on the behalf of its servicer XXXX will not furnish proof that they own the debt and I owe the debt. I have requested original documents from the original creditor that were executed and authorized by me, however ECMC ( & XXXX ) have failed to furnish me the original documents that they are required to have on file under the FCRA and FDCPA. 

In addition, I requested a copy of the contract agreement that gave authorization for ECMC to be my guarantor, when I never signed any agreement initial with ECMC nor XXXX. Both companies have failed to respond to my request and confirmed that they can not. ( See attachments ) ECMC has furnished an account number that does not establish its affiliation with original creditor loan number. As well XXXX furnishes a different account number. Through discovery under the FCRA & FDCPA all accounts must accurately correlate and have an affiliation with the original creditor loan number existing.
Liberty Credit Services has attempted to garnish XXXX different bank accounts of mine on a debt that is past the statute of limitations
I made my initial complaint against portfolio recovery approximately 2 weeks ago. It wasnt until the company received the compliant that they sent me a letter dated XX/XX/2018, which is all in XXXX a language I dont speak so I still dont know what it says. My compliant with this company is they are attempting to collect against the wrong person. Prior to the company placing the account on my credit file, they called me several times and we could never get past verification because the information they have on file does not match mine. At the time I didnt have an account number ( just received it on the XXXX  only letter dated XX/XX/2018 ), so we couldnt discuss the account, all the customer service agent would say is they cant speak with me because the information didnt match, and they would remove my number. 

In the CFPB response the company stated the debt was via XXXX XXXX, I have never had a XXXX  XXXX account, in fact when XXXX  XXXX placed the account on my file they had to remove it because the account doesnt belong to me. Nonetheless, even if the account was ( which it isnt ) valid with XXXX XXXX, that doesnt negate that I owe portfolio recovery that ONLY means I would owe XXXX   XXXX ( which I dont owe either ). I have NO contract, obtaining my wet signature acknowledging a debt or establishing a contract with portfolio recovery, therefore in accordance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of this debt. Please note, this is not a refusal to pay nor is it an acknowledgment of this debt, rather a statement that your claim is disputed, and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe, portfolio recovery, the said debt and have any legal obligation to pay you ( portfolio recovery ).

Please provide me with the following : 1. Contract between myself and portfolio recovery that A ) acknowledges the debt and B ) agreement to pay your company not the original creditor ( any information including bills, contracts and/or any other paperwork from the alleged original creditor, XXXX  XXXX, is NOT lawfully under fair credit act considered to be a binding contract between myself and portfolio recovery nor given portfolio recovery the right to collect this debt ) 2. Show me that you are licensed to collect in my state ; and 3. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
I have brought this situation to the attention of XXXX XXXX XXXX XXXX on several occasions and it still appears on my credit reports. XXXX, XXXX and EQUIFAX lists the following : Delinquent Account Alert Type : Delinquent Account Processed Date : XX/XX/XXXX Account number : XXXX Creditor 's Name : XXXX Type of Industry : Miscellaneous Finance Companies Address : XXXX XXXX XXXX , XXXX  XXXX , MO XXXX Payment Status : Wage Earner Plan Creditor 's Preferred Contact Method : Other Consumer Statement : Dispute resolved ; customer disagrees. 

I have attached copy of the discharge from Chapter XXXX and official Payment Plan. You will notice the Payment Plan states Other Provisions Not Included Above : b. The secured claim ( s ) of the following are intended to be paid directly, are not provided by the Plan, and shall retain their lien ( s ) : - XXXX XXXX ( XXXX XXXX XXXX ). XXXX XXXX XXXX sold the loan to XXXX. 

This claim was paid in full as agreed. There were no late payments and there is not outstanding amount. I have the title to the vehicle.
The account reporting XXXX XXXX is past the statute of limitations no verification or validation has been completed by Equifax. This item needs to be removed as this is violating my rights.
On XXXX/XXXX/XXXX I received an XXXX dispute update indicating Foreclosure proceedings started on XXXX XXXX. 

Nationstar has started foreclosure proceedings without any noticeto me. 

Nationstar 's predecessor, XXXX XXXX XXXX transferred loan number XXXX that had a XXXX balance. Nationstar 's predecessor 's agent sold the property associated with the loan number XXXX in a foreclosure sale on XXXX XXXX, XXXX. 

I have been in litigation with XXXX XXXX XXXX, Nationstar 's predecessor since XXXX XXXX, XXXX. This lawsuit is currently pending in the XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX v. Bank XXXX New York XXXX and others. 

Nationstar was transferred a zero balance loan and now they are claiming I am {$110000.00} past due according to the XXXX XXXX, XXXX credit report date. 

I have never executed any loan agreements after the foreclosure sale to reinstate the loan XXXX. Notwithstanding, reinstatement or any other loan agreement would fall under the Texas Statute of Frauds. The Statute of Frauds bars any collection of debt by Nationstar if it 's not in writing. 

Nationstar claims I am $ XXXX delinquent, which is equivalent to about 61 months. The foreclosure sale took place on XXXX XXXX, XXXX, 47 months ago. Ironically, this is the number of months Nationstar showed the account delinquent when is was transferred on XXXX XXXX, XXXX. 

Nationstar ca n't provide any explanation for the 47 month delinquency when they were transferred the loan from their predecessor. Their predecessor, XXXX, never sought to collect any payments after the foreclosure sale on XXXX XXXX, XXXX. In other words, between XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX never sought to collect any payments on loan XXXX. My credit report showed the last account activity from XXXX XXXX XXXX referencing loan number XXXX was in XXXX XXXX. 


Nationstar was transferred this loan on XXXX/XXXX/XXXX, almost eighteen months ago. I need them to validate the debt. 

1. What loan agreement or legal document ( s ) was executed to reinstate the loan XXXX after the foreclosure sale? 
2. What date was the loan XXXX reinstated after the foreclosure sale? 
3. Who are the parties that reinstated the loan XXXX? 
4. What actions reinstated the loan XXXX? 
5. Was Nationstar a party to any reinstatement or loan agreement after XXXX XXXX, XXXX? 














.
We are in the midst of refinancing with Bank of America, with supposed date to close escrow today. The overall communication is very poor with Bank of America. We get inconsistent emails and phone calls on the progress and requirements needed for loan documentation, and the worst item is that our appraisal report was incorrect. The B of A loan manager still stated that our home value ( which we dispute ) is still the same and we still have to pay the appraisal fee. We 're sticking with this refinance as the locked rate is low and fits within our budget, but I want to know is there any accountability that Bank of America and XXXX Appraisal? We also request that we do not pay for the inaccurate appraisal report.
A modification package was sent to nationstar via email on XX/XX/XXXX ( please see attachment ) Nationstar employee XXXX XXXX in Arizona stated that they need 37 days to review the file therefore they were refusing to open and review and start the modification process. We requested a supervisor and XXXX XXXX also stated that the file can not be reviewed as it is less than 37 days before the sale date. The sale date is set for XX/XX/2015.It is very apparent the Nationstar is refusing to review the file and is making excuses to avoid a proper review. In California as long as there is 7 days before the sale date the file can be reviewed as long as all documents are in. Nationstar is failing to abide by California guidelines and it is very obvious they would rather foreclosure on this home rather than attempt to offer any type of assistance to avoid foreclosure. It also appears that the issues the XXXX family has encountered with this company are due to discrimination based on race, ethnicity, language, and national origin. Please also referred to HAMP Handbook XXXX Chapter V Protections Against Unnecessary Foreclosure states the following:XXXX Suspension of Referral to Foreclosure-A servicer may not refer any loan to foreclosure or conduct a scheduled foreclosure sale ( except as provided under Section XXXX ) unless and until the servicer has resolved the Escalated Case in accordance with Section XXXX. XXXX Suspension of Scheduled Foreclosure Sale-When a servicer receives an Escalated Case from a Requestor after a foreclosure sale date has been scheduled and the Escalated Case is received no later than midnight of the seventh business day prior to the foreclosure sale date ( Deadline ), the servicer must suspend the sale as necessary to resolve the Escalated Case. At this time the XXXX family is requesting the sale date of XXXX be postponed so their file be reviewed without any discrimination. They will assert their legal right and name Nationstar as well as the foreclosing trustee as defendants in civil court.
A divorce decree dated XXXX/XXXX/13 awarded my ex-wife, XXXX XXXX XXXX, ownership of the property located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Per the terms of the decree, she was required to refinance our jointly held mortgage with Fifth Third Bank, in her own name, within six months. She has refused to satisfy this obligation and has caused severe damage to my credit report since that time. Both my attorney and I have contacted XXXX XXXX in regards to this matter on multiple occasions. I have disputed this account with all XXXX credit bureaus. I have also contacted Fifth Third Bank in an attempt to be released from liability for this mortgage. All attempts to remove my name from this debt, and remove this debt from my credit report have been denied. It is my understanding that XXXX XXXX is unable to secure financing in her own name. Be that as it may, I should not continue to receive derogatory marks on my credit report due to her payment delinquency.
I spoke with a wells fargo agent explaining details on modification. I was told By XXXX on a recorded line that it will take about 2 weeks. I submitted all the informatyion immediately. XXXX was slow and not returning calls promptly. after 4 months and so many calls to them. My loan was modified. I made payments XXXX       , XXXX, XXXX and every month after.
I was never late before the modification. I ask them to correct my credit ratings. It has been showing for months XXXX. XXXX, XXXX , XXXX, XXXX, XXXX, XXXX and XXXX!) XXXX all 30 then 60 then 90 days past due.
They will NOT make it correct.
I was lied to and then they ruined my credit!
XXXX
On XX/XX/XXXX there was a {$200.00} ATM withdraw from my bank account that I did not make. I was so suprised because my card was still in my wallet ... So I called Chase as soon as I realized the amount was taken which was the next morning XX/XX/XXXX around XXXX XXXX. I filed a fraud claim and they credited my account {$200.00} while they investigated. I thought great they will check them ATM camera since it was at there own branch ill get my money back it 's not as bad as it could have been. NO I WAS WRONG!!! I recieved a email to call chase so I called chase and they need more info to resolve my fraud case. They asked if had my debit card, if I ever used this ATM and other basic info I answer I had my card and that was the bank actors the street from work and I opened my account there. I was then told they would email me there response. I did n't think I woukd receive a email on XX/XX/XXXX stating they are reversing the {$200.00} credit. In shock I called Chase and was told that since I had my card and used the same ATM I could not prove it was n't me and that there is NO way someone could make a card with a chip and take money out of a ATM .... pretty much acusing me of takimg my own money out!!! Wow!!!! I asked them did they review the camera they said no u need a subpenoa to get the footage!!! I was flabbergasted how could they allow someone to walk up to the ATM take my money and tell me sorry you owe us NOW and are charging me overdraft fees returning payments! I have now filed a police report and trying to obtain a subpenoa to get the camera footage to prove my innocence and get my hard earned money back. Can you please help me with this this unethical company!!! I was a loyal customer for 8+ years and never expected that someone could steal my money and I would have no protection. Please share I know chase is doing this to more people and it 's just wrong.
I sent letters to Experian and XXXX to delete from my personal credit report on XXXX/XXXX/2018. Or provide me proof the debt belongs to me. 

They have not provided proof. They simply mailed me a letter stating the debt was verified. 

The amount of the debt is {$3500.00}. The debt shows that it is a medical bill. 

Which if this was my debt I assume this violates HIPAA.
Midwest Recovery Systems has reported a collection account to all three Credit Reporting Agencies ( XXXX, XXXX, and XXXX XXXX. I do not recognize this account as being mine. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting Midwest Recovery Systems to provide me with a validation of the debt. To clarify, I am disputing the account being reported by Midwest Recovery Systems and demanding validation of the debt. ( XXXX XXXX XXXX Sec. XXXX XXXX b ) ) I do hereby request that Midwest Recovery Systems provide me with complete documentation to verify that I owe the said debt and have a legal obligation to pay it. Please provide me with the following : ( 1 ) the agreement with the creditor that authorizes you to collect on this alleged debt with the agreement bearing my signature stating that I have agreed to assume the debt. ( 2 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. ( XXXX ) Proof that the Statute of Limitations has not expired. ( 4 ) Complete payment history on this account along with an accounting of all additional charges being assessed. ( 5 ) Proof that Midwest Recovery Systems is licensed to collect debt in the State of Michigan along with license numbers and Registered Agent. If Midwest Recovery Systems fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my XXXX, XXXX and XXXX credit reports. Moreover, all future attempts to collect on the said debt must be ceased.
I have a loan with WELLS FARGO DEALER SVC XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late for three times.
Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with XXXX, XXXX, Transunion.

I have one hard Inquiry from company : XXXX XXXX XXXX  On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX I contacted XXXX, XXXX, Transunion and XXXX XXXX XXXX XXXX.Have not herd back from any of this mentioned companies.Regarding this issue.
My husband (at the time) was away XXXX for a year, in XX/XX/XXXX-XX/XX/XXXX, decided to leave his family when he returned then filed bankruptcy in XX/XX/XXXX and the mortgage was my responsibility. I attempted for a year to get a loan modification with Greentree Mortgage, I was told to fax my information at least XXXX times, which I did,  they were behind in the servicing department. I called in XX/XX/XXXX to try to put the debt of my 1 year of mortgage payments onto the end of my loan and start paying each month in XX/XX/XXXX, to which I was told I would need to pay the balance of over $10K, obviously which I did not have. I spoke to a representative in VA Loans Department and was told she would get this resolved for me, i never heard from her again, I left several messages for about a month, faxed my information as requested, again. By the time XX/XX/XXXX came around, I was asked to fax my information again and instead I was able to get an apartment and move, I have XXXX kids that I had to move instead of being thrown out due to a foreclosure. The house remained vacant, I never received any letters about my house going into foreclosure, just statements saying balances that are owed and late payments, a letter from Greentrees attorney stating they will sue me for the remaining mortgage amount owed of over $180K. I attempted a Short Sale that fell through, nothing came of it since we needed so much work on the house and the amount we were selling for was way overpriced for the house. My house was ransacked XX/XX/XXXX, and all of our valuables, were stolen. We called the police and filed a report. After an investigation by our local police department, we found that Greentree sent in a Clean Up crew to winterize the house, change the locks, and cut the grass (which they only did half of the front yard) we had about $15K in valuables and personal property stolen. Filed a claim with our homeowners insurance and we need receipts for valuables that over 10 -20 years old, we do not have receipts! We got in touch with the clean up crew and they denied taking anything, yet all of our neighbors saw them emptying our home, and luckily took down their license plate number. Greentree denied sending them in, the clean up crew blamed Greentree. All of this going on and to date I still have not received a Foreclosure Notice. I was forced by this situation to file bankruptcy to resolve this mess. I  have proof of all of my attempts to file a loan mod available by date as I was faxing this information, names of the reps, phone numbers and departments they work in.
I get calls for anyone with the last name XXXX. The most recent call was for XXXX XXXX. This person does not live here. I want the calls to stop.
BANK OF AMERICA HAS SERVED ME WITH JUDGMENT FOR THE ACCOUNTS THAT I ALREADY HAVE A PAYMENT PLAN IN PLACE ... 
BACK IN XXXX DUE TO FINANCIAL HARDSHIP I HAVE REQUESTED BANK OF AMERICA TO REDUCE INTEREST RATE ON THE XXXX CREDIT CARDS THAT WAS AT 46 % APR AND MY PAYMENTS WERE CLOSE TO {$1300.00} EVERY MONTH. I WAS TRANSFERED ALL OVER THEIR PHONE SYSTEM WITH NO LUCK WITH MY ATTEMPTS TO REPAY THEM. THEN BANK OF AMERICA CLOSED MY ACCOUNT AND REPORTED IT AS CHARGED OFF TO MY CREDIT. ON XXXX OF XXXX XXXX XXXX HAVE CONTACTED ME ATTEMPTING TO COLLECT DEBT ON BEHALF OF BANK OF AMERICA ( SEE ATTACHED LETTER ) AND REPAYMENT PLAN WAS IN PLACE. THEN ON XXXX XXXX, XXXX I WAS SERVED WITH DEMAND TO REPAY ON SAME ACCOUNTS FROM ANOTHER COMPANY XXXX AND XXXX ( LETTERS ATTACHED ). NOW ON XXXX XXXX, XXXX I WAS SERVED WITH THE SUPPENAT FROM XXXX AND XXXX REPRESENTING BANK OF AMERICA FOR THESE ACCOUNTS THAT I ALREADY HAVE A REPAYMENT PLAN AND HAVE BEEN PAYING TO XXXX. 
WHEN I ATTEMPTED TO CONTACT BANK OF AMERICA TO FIGURE OUT WHO AM I PAYING ON THIS DEBT AND WHY ARE THEY SUING ME WHEN I HAVE BEEN PAYING THESE ACCOUNTS I WAS TRANSFERRED ALL OVER AND EVENTUALLY WAS TOLD THAT THIS IS A CHARGED OFF ACCOUNT AND THEY ARE NOT COLLECTING ON THIS ANYMORE ... I 'M TOTALLY CONFUSED NOW. XXXX AND XXXX IS AGGRESSIVELY PRESUING THE COLLECTION EFFORTS THREATENING TO PUT ME TO JAIL IF THESE BIG AMOUNTS ARE NOT PAID IMMEDIATELY. PLEASE HELP
Navient is calling my mom at her work. Navient is calling my XXXX  and my XXXX XXXX XXXX ... and we do n't even share the same surname. I 'm not sure how or why they 're going after my XXXX  and XXXX XXXX.
Navient calls my work as well after I have asked them in writing to stop contacting me on a daily basis and to please contact me only by mail.
I want to file complaint against XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) and I.Q. Data International , INC. ( XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX ) What they did severely impact my life and harm me financially. First of all, they imposed a debt on me, which I did not owe. Second, they hurt my credit score so bad that I might not be able to get a mortgage, the interest rate would be much higher than what I supposed to have even I can qualify for a loan. Third, I have been suffering emotional stress in the process of finding solution and communicating with XXXX XXXX XXXX. and I.Q Data. Forth, I might lose the chance of buying my first home. I might need to pay more in future if I don't buy the house now. 

I was employed by a company in XXXX, AL from XX/XX/XXXX to XX/XX/XXXX. During this two-month period, I stayed in the company offered apartment at XXXX XXXX XXXX. I no longer live in the apartment after I left the job. 

I found out that there is a {$2000.00} collection on me when I tried to get a mortgage to buy my first house in XXXX, XXXX. And, my credit score dropped to XXXX. I called I.Q. Data International, INC whose contact information was listed on my credit report, and found out that it was XXXX XXXX XXXX. put the collection on me. I filed dispute immediately on XX/XX/XXXX. I also contacted the company I worked for in AL. 

I lived in XXXX XXXX XXXX for only two month in XXXX because it was company-offered lodging. The company I worked for renew the rental lease in XXXX, XXXX and the company terminated the lease before it ended. According to the manager of the company, the early termination of the lease was because XXXX XXXX XXXX. did not repair water damage in the unit, the unit was not suitable for living, and XXXX XXXX XXXX. refused to switch a good unit for the company. Then the company has to terminate the lease. XXXX XXXX XXXX hires I. Q. Data to collect whatever they think the company need to pay. 

Long story short. No matter what happened between XXXX XXXX XXXX and the company I worked before, it should not be my responsibility to pay for whatever between them. I did not sign the rental lease. Even though XXXX XXXX XXXX. lists me as a roommate in XXXX, I should NOT be a roommate for XXXX when they started a new lease. I was neither a leasee nor a roommate. XXXX XXXX XXXX. and I.Q Data are misusing my information. They should contact the company to solve the problem instead of putting the debt on me.