WillisBack/dataset-financial-user-claim huggingface dataset:
Mr Cooper AKA Nationstar is doing some kind of fraud regarding my transfer from XXXX XXXX back in XX/XX/XXXX since then I have had nothing but problems with Mr Cooper.  Mr Cooper is trying to collect {$600.00} in additional taxes claiming I have a shortage on my impound account. So I did some digging to see what was going on with my account. What I found is that they keep saying I owe them money for taxes and insurance which I called my county assessor to see if my taxes went up and nope they did not and I also called my insurance company and got a print out of my policy and nothing changed with them at all. The total amount between taxes and insurance is roughly {$2500.00} which is already incorporated into my current payment now Mr cooper says I now owe {$3100.00} to {$3200.00} yearly and when questioned about the amount  they tried to confuse me which I had my accountant listening to the conversation and he noticed that they were trying to make things up as they went and when questions about the amount nothing added up properly. I also found out that Nationstar had been sued 3 time in 6 months for not divulging critical information and collecting funds it shouldnt be. I have a link to a website that you can look into yourself and you can be the judge of whats going on but it seems Nationstar AKA Mr Cooper is back with the fraud ring they just got sued for but I suspect Im the newest victim to their game they play. To me they are being fraudulent and embezzling money. Please check the link below and youll get more information about my complaint. 



https : XXXX
Chase Bank # XXXX - SOLD to : XXXX Acct # XXXX This account is not even my account. It is not a credit card account. This account was a cash advance account for my mother ; her name was XXXX. She has passed away. When my Mother became unable to take care of herself and we put her in a XXXX, in XXXX, CA. I took over paying her monthly bills and her upkeep. I had all of her mail and bills sent to my house in care of me. I was never a co-signer on any of her accounts or checking account. I DID pay the Chase account payments as well as with all of her bills. After she passed away, I stopped paying her bills, as she had no remaining assets. 
I had inadvertently given some clerk at Chase Bank my Social Security number to prove the account was n't mine and they agreed. Then " someone '' at Chase then used it against me to put it in my name. My name appears nowhere on this account other than a mailing address for payments that I helped her in the last few years of life. I have written Chase numerous letters with no results. They have since sold this account to a collection agency, now they report this account in my name as well ( *XXXX Acct # XXXX ) Please help me get both of these accounts off of my credit report ... they are not mine.
My vehicle was traded to XXXX XXXX XXXX on XXXX/XXXX/16. The original contract was lost by XXXX XXXX XXXX XXXX which caused a delay in the funds being cleared for payoff. The delay and supporting documentation was communicated to Bank of America, but yet their customer service still reported it delinquent to the credit bureau, simply stating there was nothing they could do and that the reporting was an automatic process.
someone stole my identity they opened accounts i did n't even know about. I do n't owe anything I just want to get this mess over with.
XXXX XXXX XXXX has no right to collect on a debt delinquent from XX/XX/XXXX and XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( {$900.00} and {$710.00} ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.
XXXX services changed my address for emergency purposes. When BOA asked my insurance company to provide proof of coverage the documents show the new address not the old address. I have provided BOA proof of the new address from my county at least 6 times via mail, fax and email. When I call in every person every rep tells me they see the documentation but do not know why it is not fixed and they do NOT have the ability to get someone on the phone. They keep just sending emails. Since this has occurred BOA has threatened me 2 times with buying homeowners insurance at MY expense because they can not get it correct. I have attached the documentation to this complaint.
The attorney Timothy Runyon has garnished my tax return for the last 7 years. The debt was paid and I have proof. When I took him to court to discharge the debt he threatened me outside the courtroom by stating that if I did not give him {$2500.00} in cash that he would start the debt over every single year. How does a debt start over every year. The amount already paid should be deducted from the debt. Since I did not agree to give him the cash that day or within a week he started the debt over from the beginning. I have proof that he has been paid. He even asked me personal questions about my financial situation such as did I own a home because if I did he could roll the debt over to my mortgage. He also asked me why was I trying to get rid of the debt and was I trying to buy a home which I answered none of his questions. He and the judge are friends so the judge never gave me an opportunity to state my case because they are friends.
On XX/XX/2018 I put my debit card in the ATM machine at Chase Bank at XXXX XXXX XXXX XXXX. XXXX, TX XXXX ... .I did a cash withdrawl for {$300.00} ... ..I was charged a {$3.00} free and the ATM did not dispense the cash and also debited the amount from my bank account..The door did not open and I did not get a receipt ... .It is on camera ... I tried to speak with the manager and all he told me was to dispute it eith XXXX XXXX  ... .I feel that machine should have been taken out od service ... .Now I am being inconvenienced by having to file a dispute and being told I cant even grt a refund for possibly 90 days by XXXX XXXX because it has to be investigated ...
We have had to file a hardship due to circumstances beyond our control with  XXXX   XXXX   XXXX . We have informe d Avant that we are now under a no contact with them and directed the m to deal with the debt relief agency. Instead they are harassing us and continuing to call an unreasonable number of times. When we pick-up the phone, they hang-up. O n     XXXX - XXXX -2017  th ey called our home 5 times. To follow are the times of day they called on  XXXX / XXXX /   2017  :    XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,    XXXX   XXXX   and  XXXX    XXXX  . On   XXXX / XXXX /20  17    they called our home 4 times  (  so far  ) . To follow are the times of day they called   XXXX   XXXX    / XXXX /2 017     :   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,    XXXX   XXXX  . My husband has a  XXXX   XXXX  and this is causing him   XXXX   XXXX  . They have also called my place of employment repeatedly. My caller ID on my phone only store s 30  calls, so I am unable to give anymore exact times of the calls, but this has been taking place since we informed them of our hardship and directed them to call the debt relief agency on on Saturd ay  XXXX / XXXX /2017.
I had a student loan in 2007. I was unable to continue to pay after a certain point. The XXXX XXXX XXXX XXXX put a lein on my tax refunds and took the balance. The loans have been paid. Now there is a credit company trying to threaten me with court. I responded with a cease and desist until they sent a verification of debt because the loans are paid. they show payment on my credit reports ( which I monitor ) and this debt collector is reporting the same accounts that the XXXX are reporting and screwing up my reports. I tried to contact this company on multiple occasions and finally heard from a special unit case after filing a complaint with the XXXX. However ; they said they could not talk to me about MY account. Not to mention that I only put a cease and desist until proof of verification of debt has been sent on XXXX account, the ONLY XXXX they threatened me about. But, they are reporting XXXX accounts and not even telling me anything about a XXXX account! I am in the process of getting a mortgage and my broker and underwriter told me to file this complaint against this company and give you my evidence. They have requested info on these debts and have been ignored .... Further violating my FDCPA rights.. 

IMMEDIATE CREDIT RECOVERY, INC. 
XXXX XXXX, GA XXXX
This is in regard to the security breach at Equifax. I verified with them that I was among the affected individuals. 

This kind of information mishandling is beyond unacceptable. Data encryption and obfuscation has become robust enough that if best practices were employed to maintain a secure environment, that this kind of breach would be impossible. Equifax was lazy and should be heavily punished for their incompetence and gross mismanagement. 

Furthermore, by using their 'free ' credit monitoring service, they are including fine print that forces you out of any lawsuits against them for this breach. It 's extremely scummy. 

I hope the CFPB comes down very hard on this organization. A statement should be made that handling credit information in this manner is unacceptable and then trying to quietly extort those affected by having them unknowingly sign away their rights to legal recourse is equally awful.
On XXXX/XXXX/XXXX the IRS sent to XXXX and all of the Credit Bureaus the Form XXXX, Withdrawal of Files Notices of Federal Tax Lien, or Form XXXX, Withdrawal of Files Notice of XXXX XXXX XXXX after Released, at the recording office where they ( IRS ) had filed the notice of lien. I requested to XXXX to remove/delete those specific records ( Notice of Lien Serial Numbers : XXXX, XXXX ) and they responded with he following completed investigation : The Results Of Our ReinvestigationPublic Record Information ( This section includes public record items obtained from local, state and federal courts. ) XXXX We have reviewed the lien information. Case or ID # XXXX The results are : We have verified that this public record item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Filed XX/XX/XXXX ; XXXX XXXX XXXX Recorder ; Case or ID # XXXX ; Amount {$24000.00} ; XXXX XXXX ; Released XXXX ; Verified XX/XX/XXXXA ; XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX XXXX We have reviewed the lien information. Case or ID # XXXX The results are : We have verified that this public record item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXXLien Filed XXXX ; XXXX XXXX County Recorder ; Case or ID # XXXX ; Amount {$31000.00} ; XXXX XXXX ; Released XX/XX/XXXX ; Verified XXXXA ; XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX -- Please help me to resolve this matter with Equifax because it 's affecting my credit score and my personal life. Please find enclosed the IRS letter sent to me, Equifax and XXXX XXXX County Recorded agencies.
I took a Parents Plus Loan for my daughter in XXXX when she started at the XXXX in XXXX CT. It was $ XXXX. so {$40000.00}. I had to put it on forbearance a couple of times and here we are XXXX years later and the balance is {$47000.00}. Really? I have called Navient and all they tell me is that interest. I pay {$400.00} per month and it is not going down. I am going to be XXXX in XXXX and I DO NOT want this coming out of my Social Security check NOR do I want to hear Parents Plus Loans are not eligible. My daughter gives me the money, but over {$50000.00} has been paid. Why do we owe {$47000.00}?? This just is not fair.
We were issued a XXXX Loan # XXXX on XXXX XXXX, XXXX. That mortgage was transferred for servicing to PennyMac Loan Services , LLC ( Now Loan # XXXX ) effective XXXX XXXX, XXXX. Since that time, PennyMac has erroneously claimed on 3 separate occasions that we have failed to insure our mortgaged property at XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. On 2 prior occasions we have provided proof of insurance and on both occasions they have attempted to charge us for exorbitant insurance, which obviously, we refused to pay. Now, they are erroneously claiming for a 3rd time that we did not have insurance in XXXX ( including several months prior to them servicing the loan! ) and they are now attempting to charge us for {$4400.00} for Insurance Escrow when our insurance is already paid in full for the entire year expiring on XXXX/XXXX/XXXX. Today, we are sending them for the 3rd time, proof of insurance from XXXX XXXX XXXX XXXX covering the period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. Please stop PennyMac from this continuous harassment and require them to correct their records. Additionally, our loan documents specifically demonstrate that there is NO ESCROW money required. Thank you, XXXX XXXX and XXXX XXXX
My credit cards were abruptly closed by Citibank after having collected over XXXX Thank You Points over many years of daily use. I have put almost of my spending on their credit cards over the years to accumulate such points and Citibank simply closed my accounts without telling me why and took away all my points. This is absolute stealing for promising a rewards program to customers and then once points accumulate they just close the accounts and take away the points without reason. This is absolutely wrong and very dishonest of them to treat a loyal customer like me. 
Having contacted Citibank, they refuse to provide any resolution other than providing me an address to write to. They stated the accounts were closed by Citi and the points were taken away as a result. The points are worth XXXX of dollars and I have spent so many years collecting them!
In XXXX of 2013 I became unemployed, I had mortgages on two houses. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I tied for almost 3 years to sell XXXX eventually even short sale but was unable to. My saving depleted I gave the house back to Wells Fargo Bank. I had faithfully paid the mortgage for 14 years on the XXXX house, until I could no longer afford to pay them both. I have never missed a payment on my XXXX house. They have turned the Debt collection over to XXXX XXXX XXXX XXXX XXXX in XXXX Texas, in the amount of {$48000.00} which is on my credit and I 've contested it with the credit companies. ( see my credit report ). There is no Judgment against me or my wife, Wells Fargo knows full well my situation, I wrote a letter to them while trying to short sell and there were many calls made to loan officers. They have made their initial investment several times over through just the mortgage payments I made, then they sold my house. Wells Fargo shows account balance of XXXX. XXXX shows XXXX owed at time of acquisition, market value of XXXX? Now, I 'm XXXX ( XXXX XXXX ) and have a XXXX ( XXXX ) XXXX XXXX XXXX. I have to sell our dream house on the beach to move close to XXXX XXXX Hospital so I can possibly get a XXXX XXXX, they have made it impossible to get a mortgage, and have no judgment against me. Just put it as a bad debt in my credit report. Please help me and my family if you can, I feel I 'm being treated unfairly. I 've had good credit most of my life and pay my bills still. I gave back the house, I 'm a veteran, but that does n't count for much these days. I have no place to turn to!
This complaint is targeted to a program advocated by CitiBank. 
Per my friend 's recommendation, I applied for a Citigold checking account owned by CitiBank following the link on the internet in XX/XX/XXXX. The promotion advertisement listed the following conditions : 1 ) Open an account with CitiBank. Deposit money. 
2 ) Make payment for ( 2 ) consecutive months 3 ) Make a purchase worth {$1000.00} As a result, we will be awarded XXXX XXXX points. Meanwhile, Citi will charge my account {$30.00} per month for three months if the deposit is less than certain amount ( Maybe {$50000.00} ). 
The application was accomplished in no time with a promo code. Money was deposited. Payments and purchase were made. XX/XX/XXXX, my husband called Citi to inquire about the status of XXXX points and was informed that we had met all the requirements and the claim had been setup while the process would take up to three months to complete. XX/XX/XXXX is the date we should call back for the final result. 
On XX/XX/XXXX, my husband called to follow up. After spending more than half an hour waiting and explaining, he ended up with a lady who said she needed to confirm some information with someone and would call him back in one hour. We waited and waited and waited ... 
After more than two hundred and forty hours of waiting, we knew nobody would call us back and realized it was a scam from first place. On XX/XX/2016, I logged on to my online account, ready to request to close my account, only to find out that Citi started to charge {$30.00} since XX/XX/2016. Shocked, I had an on-line chat with a Citi representative, who helped to start an investigation which was supposed to complete in several business days. Hearing no further result after five days, I chatted again with another Citi representative to accelerate the process. This time, a document was received to promise a result in 24 to 48 hours. 
After two days with nothing coming, I chatted for the last time with a Citi representative. Not to my surprise, I was given an excuse that the promo was offered to targeted customers while I was n't. If that is true, why did citi post an advertisement on internet and gave me a promo code? Nothing had been fulfilled except charging me {$90.00}? 
The conversation ended unpleasantly. I ordered them to close my account instantly, meanwhile, warned to file a complaint to CFPB. 
My request to solve the issue is either citi should award me {$50000.00} AA points or refund me {$90.00} and apologize for wasting my time.
In the process of applying for a refinance of a current mortgage of my home, underwriters at Greenlight Loans determined I had XXXX outstanding liens against my home, XXXX of which was invalid and required release from the prior lien holder, XXXX XXXX XXXX. After nearly a year, Greenlight made little-to-no progress in getting the invalid lien released. So, I took matters in my own hands and contacted XXXX about the invalid lien and they said all they needed was the title search information from Greenlight and they could then expedite lien release, enabling me to refi my loan and move forward. I advised Greenlight all they needed to do was fax the title information to XXXX to move the process forward and the underwriter agent at Greenlight, XXXX XXXX XXXX whom had been " working '' my case for almost a year, said she would fax it over immediately. It has now been several weeks and Greenlight has yet to fax the title search information to XXXX, further extending my refinancing problem. I 've tried calling XXXX and multiple levels of her management, but not getting any reply. It is now obvious to me that Greenlight is only interested in processing " low hanging fruit '' loans and provides intentionally bad service to everyone else, effectively discriminating. I need CFPB intervention to help move this process forward.
I have a paid subscription with TransUnion Credit Reporting. I recently went online to check credit and there was XXXX " delinquent '' account. I spoke with XXXX people -- XXXX and his supervisor XXXX.. They were very difficult to understand and when i asked them to speak slowly, they would continue to speak in fast, heavy XXXX accented XXXX. They first insisted that I could see the source of the delinquency on line. This was untrue. After nearly 20 minutes of talking, they said that they had found the source of the delinquency, first claimed that they could send me a written report, then claimed they could not - that was another department XXXX said - then said they would send it since the " delinquency '' was not identified online. They then asked if I wanted to dispute the " delinquency ''. When i said I did, they said that they could not XXXX dispute the delinquency, AND send me a physical report. They then said that they could not help me and I had to call the " online '' department. They gave me a number for the online department that was the exact number I called to talk with them, and is the same number provided on the TransUnion site. This is the only number provided by Transunion and there is not other way to contact TransUnion provided on the site. 
This would appear to be a number of dead ends set up by Transunion to keep the consumer from pursuing information from them, and would appear to be behavior set up to thwart the consumer. This is from a group that is XXXX of the XXXX groups we depend on to protect us as consumers, and which advertises on its website " TransUnion Interactive is committed to making your experience as easy and trouble-free as possible. ''
Loan Amount XXXX} Estimated Monthly Payment XXXX Loan Type XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PrimeLending Settlement Agent- XXXX XXXX XXXX XXXX I signed a waiver of marital interest on XX/XX/XXXX at XXXX XXXX XXXX XXXX for PrimeLending. 

A XXXX XXXX XXXX encouraged me to sign the IRS XXXX  Form because after the divorce, the buyer would lose the property to foreclosure anyways and that since I signed the waiver of marital interests it would n't affect me personally. 

XX/XX/XXXX, I called the Lender at PrimeLending to inform them that my name was electronically signed and my social security number was used without my permission on a IRS XXXXT Form on XX/XX/XXXX. The lender was extremely upset due to the amount of time spent for the loan approval which is when I informed the lender of a divorce that was in process. The Lender then told me that the deal would be dead due to the divorce because there would be a significant change in income and that child support and alimony would deny the approval. I contacted my attorney who then called the lender at PrimeLending to inform him that I would not be signing any for or the IRS XXXX Form. The IRS XXXX Form was sent for approval anyways, XX/XX/XXXX an email was delivered from the loan officer at PrimeLending stating the loan was approved. 

XXXX XXXX met with buyer on XX/XX/XXXX for closing. 

I have spoke with a mortgage fraud attorney. 

I do have text message and email evidence of this complaint.