WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX called a family member attempting to contact me regarding a a supposed debt which has been settled well over 10 years ago. This company scared my mother in law who happens to live close to me who frantically brought me the contact information. She is old and had no idea what was going on. 
I have not received a notice whatsoever regarding this company nor any correspondence whatsoever only this phone call. I told them not to call my family again. They claim to represent XXXX. 
I also filed a lawsuit against this company they claim to represent for making several violations according to the CFPB. XXXX XXXX XXXX has a BBB rating of F and has so many complaints against them currently its scary. 
I have zero information other than a phone number of XXXX and a person named XXXX. 
Long gone are the days of scare tactics, threats, and insinuations to others to scare information from someone to collect a debt. This company is in violation of every debt collection practice law its unbelievable.
I moved a year ago and obtained a new XXXX and XXXX mortgage. Trans Union is still reporting my old address and has n't reported my new mortgages. These items are affecting my credit score.
I have been contacting this company for over two years trying to verify a debt that XXXX XXXX states I owe. I have repeatedly asked for verification of debt, method of verification, names of who they spoke with to verify the debt and even sent a letter to the original creditor who stated that they no longer have any records and I need to call Midland but they have yet to verify a debt I supposedly owe. I do not owe this debt nor do I have any knowledge of this debt owed.
We have had nothing but problems with Nationstar Mortgage. They have inappropriately initiated foreclosure on our property twice, are never reachable by telephone nor do they return calls, e-mails or messages sent via their website. Payments were refused and returned to my bank by Nationstar Mortgage despite the fact that our modification paperwork had been approved, then we are told that something was missing and it is denied without notification to us. It took me filing a complaint with the BBB to get a phone call ( just before the BBB deadline to reply ). The person I spoke with said our modification documents did not have the notary seal on th em ... Yes, they sure did. Said the y would have our documents pulled and review to see if the seal was on them and call me back. Took me several more phone calls and messages over several weeks to get a response and finally I received a voice mail that the documents were pulled and that they did indeed locate the notary seal and that they would see what they could do to " push '' the modification through. I received a call stating  that 4100+ ( n ot the exact amount ) was required to bring us current through  XXXX  and they could then book the modification. I sent in  XXXX  and it appears the payments were all posted as separate monthly mortgage payments made on the same date in  XXXX    XXXX   so it does lead me to believe that th ey may finally  be getting our mortgage modification booked as they said they would. I do not believe we should be responsible for the interest that could have been saved had our payments posted and not been returned/refuse d by Nationstar when  we made them in  XXXX ,  XXXX  and  XXXX    XXXX  . They have also tacked on legal fees that should not be our responsibility. I am a nurse and am a pretty understanding person. I am not a sue happy person, however this company is really doing society wrong. If I could afford a lawyer, I am 99 % confident that I would own my home without any further mortgage payments ... in fact Nationstar would probably end up owing me ( along with many other customers they have ).   Today when I logged on to Nationstar 's website, I noticed that a sample statement which is supposed to explain to customers how to read their statement has an actual property address listed. When I looked up the property address via google, it is currently for sale and given the list price, the payment amounts on Nationstar 's " sample '' statement could certainly be realistic. Given all of the errors Nationstar has made with our account and apparently many other customers based on BBB reviews and google searches, I truly have to believe that this " sample may really contain actual payment/late payment information about the actual property address listed below the amount due.   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX   XXXX
When ever the loan provider was issued a social security number and a signature the loans should have been discharged through the Treasury ... This process was created by an act of Congress in XXXX. XXXX XXXX XXXX ( XXXX stat. XXXX ) was designated to discharge all obligations dollar for dollar. The loan provider is unaware ( due to the lack of knowledge ) of such passage of the Banking and Banking Regulations XXXX XXXX XXXX XXXX XXXX. Where all obligation are to be discharged dollar for dollar. The loan provider is unaware ( as are most Americans ) that the United States dollar no longer exists. What we think is money is actually not money but a promise to pay at a later date. XXXX XXXX XXXX ) These notes appear to resemble the United States Notes by the similarities of appearances. The only difference with these notes they are titled XXXX. If XXXX pays attention to the fine print on the XXXX it will say " This Note is Legal Tender for All Debt public and private ''. So in order for XXXX to repay any loan would be illegal since a debt can not be repaid with another debt. Thus, why Social Security was Instituted in XXXX called the XXXX. The United States had to create an unlimited credit line for the people due to the existing economic crisis. Those unlimited accounts are our Social Security numbers.
XXXX I am following up to my complaint ( Case # XXXX ) filed on XXXX XXXX, XXXX. We have sent numerous QWRs to Wells Fargo without a qualified response. They are refusing to comply with RESPA and provide us with qualified answers to our QWRs which we have been sending since XXXX, XXXX. Please make them respond. We believe that they have committed fraud by and through never notifying us of changes to our ARM mortgage which they allege to have inherited from Wachovia and before them XXXX XXXX. We believe that they have failed to properly credit our account and fail to notify us of changes to the Adjustable Rates.
Dear Sirs/Madams Re : Illegal litigation practices, using the GA court system for the purpose of intimidation, deceptive court filing to coerce consumers to pay, faulty/unsubstantiated evidence to churn out a lawsuit, violation of Dodd-Frank Wall Street Reform, violation of Consumer Protection Acts prohibition, violation of the Fair Debt Collection Practices Act, by XXXX XXXX XXXX XXXX and/or Bank of America. 


In response to the attached letter left at a relative 's address, I received a copy of the letter via e-mail, shortly after contacting Bank of America asking again for a feasible repayment plan. 

The letter sent via CFPB, dated XX/XX/2018, contradicted the letter sent via XXXX County, dated XX/XX/2018. 


Perhaps the CFPB should make XXXX XXXX XXXX XXXX and/or Bank of America. 

pay {$3.00} XXXX to the Civil Penalty Fund. 


Again, I do not reside in the jurisdiction of XXXX County court. Furthermore I am not able to travel over there to attend the meeting, scheduled on XX/XX/2018. 



This expired debt was charged off by Bank of America ( the creditor ) and then the written-off / worthless debt was sold to XXXX XXXX XXXX XXXX ( the debt collector ). Both the creditor and its debt collector failed to properly offer me a repayment arrangement and now they also failed to properly inform me about their intention to file a lawsuit. My calls to Bank of America and XXXX XXXX XXXX XXXX get re-routed to robotic assistant, voice mailbox and then terminated. Now the collector is attempting to win by default judgment. 

I have an on-going case here in XXXX/XXXX and can not leave. Bank of America and/or XXXX XXXX XXXX XXXX are welcome to lodge their claim in a court in XXXX, XXXX. Nevertheless, XXXX/XXXX laws require proof of failed resolutions via out-of-court communication as the first step before a proper lawsuit can be filed in a court. 


Regards XXXX XXXX
I 've been XXXX since 2009 so if I did have a medical issue it was paid for by the state.
The property is located at XXXX XXXX XXXX. XXXX . XXXX XXXX, New York XXXX. The property went through mortgage foreclosure from XXXX to XXXX XXXX XXXX XXXX vs. XXXX XXXX . The property was also going through a foreclosure lien XXXX XXXX XXXX from XXXX to XXXX. The sworn affidavits presented to the court confirming that the tenant in occupancy had been served were false documents. XXXX XXXX XXXX Housing Authority allowed the Section 8 rental payments to be used to represent the tenants listed in the fake affidavit, and to hide my tenancy from the record to keep this apartment from being recorded as rent stabilized. I filed a XXXX  complaint against XXXX XXXX XXXX notifying them that the mortgage was in default upon XXXX XXXX death and they transferred the mortgage loan to Rushmore Loan Management, but with out a record of the rental income ; which should've been listed during the mortgage and the lien foreclosure. Now the mortgage loan is in XXXX XXXX XXXX and the account is delinquent since XX/XX/XXXX to the present. I've been 1 year and 6 months without a landlord, and the XXXX XXXX XXXX Board has refused to comply with XXXX Administrative Code 11-243 and to enforce NYPAL 2429- Rental on the property.
I received a bill statement for a debt by a  XXXX  party company. I requested debt verification from the debt collection agency, they have reported this debt to all the collection agencies. I received a verification of debt with my medical records number, itemized charges and procedures that were done. I believe this info has violated the   XXXX   XXXX  , I did n't give permission for my info to be released to any  XXXX  party agency. I did n't give anyone permission to release my medical info to anyone besides the attending  XXXX  for treatment of service
I am currently in an active Chapter XXXX Bankruptcy and current both the plan payments and my mortgage. My homeowner insurance premium changed drastically ( for the better ) last year and my monthly escrow payment never changed. I never received my 2016 escrow analysis and have requested this several times ( as has my legal counsel ) from my servicer ( Nationstar Mortgage, LLC ) by phone. I am mailing them a letter to request this again and copying my bankruptcy attorney. What can I do? I know my escrow payment is much higher than it should be but I can not get the servicer to respond.
I was in process of completing a loan for the purchase of my first home with XXXX. I went into where I had my current checking account at Bank if America here in XXXX XXXX. When I went to send the wire the banker stated they would not charge me for the wire if I spoke with their mortgage banker to review their offer. I then sat with XXXX XXXX XXXX XXXX. He then described how if I wrote an email to him stating I had a certain rate and points from XXXX he would be able to match that quote. He then proceeded to write the verbiage I needed to say. He told me to copy paste what he wrote and sign it for him. The rate he gave me initially was at a 1 point cost. He said with this letter he could waive that point cost. I later found out that due to the type of loan program and amount I was putting down that Bank of America didnt even truly offer that product for my situation. I felt very uncomfortable, almost like I was committing fraud. I called my mortgage banker and explained how I felt. I realized I wanted to write this report to explain how I felt and did my own research realizing that the process of XXXX writing the letter for me and using an letter to quote match is not actually the correct process to complete a quote match.
Today I checked my credit report, and there was an unknown medical collection from FBCS Inc, account number XXXX. I have never heard of this company, I have never received any information pertaining to the bill or collection in question. I have no idea what it is from, or where it came from. My credit report says that this is a medical collection that was assigned on XXXX. FBCS, Inc. had plenty of time to send me a " debt validation notice '' prior to inserting this onto my credit report, but has failed to do so. 

FBCS lists the original creditor as XXXX. I have never opened an account with XXXX, nor have I ever received a bill from them. Nor did I ever receive any communication from FBCS. INC. My address is listed on my credit report yet they never sent me a " debt validation notice '' prior to reporting these accounts to the CRA 's like they are required to by law. FBCS XXXX failure to send the Debt Validation Notices to me prevented me from exercising my legal right to request debt validation of the alleged debt at the outset. Since I have never received one they are in violation of Section 809 ( a ) the FDCPA, 15 U.S.C. 1692g ( a ). 

Under HIPAA privacy laws FBCS. INC. should not have any of my personal medical information, unless they have a " written '' agreement with their " client '' that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. XXXX. They also have to provide an agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 

I am not pleased with the federal bond and collection, they have failed to attempt an explanation of my " supposed debt. '' I would like this removed immediately from my credit report, and for the company to never contact me. This practice of not contacting and ruining someone 's credit is unjust.
This complaint is a follow-up to Case number : XXXX. 
I just received a collection letter again from Chase bank XXXX XXXX, 2015. Apparently, nothing has been resolved. Again, I state the entity responsible for the {$1200.00} in question is the merchant whereby, the merchant lied on their rebuttal to XXXX committing bank fraud, allowing them to retain {$1200.00}. They do not deserve. I request that the CFPB reopen this case and take stronger action at this point Chase bank is ignoring you, and me. ( See attached. Supporting documentation ).
I checked my credit report on XXXX XXXX, XXXX and I seen I owed a debt to a collection company for {$1700.00} that started in XXXX, XXXX. I have tried to see where this collection has came from because I was forward XXXX from XXXX XXXX, XXXX all the way until XXXX XXXX, XXXX so this could not have came from me.
Approximately 3 years ago, I opened a Sears Citi MasterCard at the urging of a store clerk but the card was closed about a year later ( over 2 years ago ). After the cIosure, I spoke with a Sears customer service representative who encouraged me to sign up for auto-pay to pay off the balance. I was told that the payments would go to the balance until it was paid off. Knowing that I had a substantial balance on the card, I just kept making the payments for over two years. This XX/XX/XXXX I decided to call the company on XX/XX/2017 and inquire about my balance because I had no online access to look at the balance. To my shock, I was told that the balance had not changed one bit! I was told that all the payments which totaled thousands of dollars had gone to paying the interest and XXXX, which was NEVER disclosed to me. Apparently, every month, XXXX was getting part of the payment made. When I began disputing this, the Sears rep removed XXXX and transferred me to an XXXX rep. I was then told that they would need 30 days to investigate. Thirty days passed so I called back and was told that they would need another 30 days. I wrote a letter to XXXX on XX/XX/2017 because I was told that there was no other way to reach anyone in that department and that they make the decisions. I have yet to receive any response from either XXXX or Sears. Sears has taken no responsibility and XXXX obviously does not care. Sears continues to force me to make payments for a balance that should have been paid off or close to being paid off and tell me that if I do n't make the payments, my credit would show that I am behind. As the only one working in my family, I can not afford to spend another couple of thousand dollars paying on this card. Sears and XXXX are literally taking food out of the mouths of my family members and they do n't care!
I called the BMO Harris contact line at XXXX to inquire further about an account I saw advertised on the BMO website at www.bmoharris.com ; their Premier Money Market Account. I did not see a full disclosure of fees for the account. When a representative came on the line, I told her that I was interested in opening a Premier Money Market Account and would like to see the truth-in-savings disclosure to verify fees for such items as minimum balance, number of withdrawals, etc.

The agent put me on hold for approximately 5 - 7 minutes, when she came back she told me to look at the website. I informed her in the time that I was on hold, that I found a disclosure at the following address : XXXX XXXX XXXX but that this disclosure contained information many different accounts, but not for the Premier Money Market Account, and that this was a disclosure was required by law, and I would like to see it before opening this type of account. At this point the representative became very upset and said that I should just " go visit a BMO personal banker. '' I told her that I wanted to either speak to a supervisor, because I understood that a truth-in-savings disclosure must be provided if requested. She stated that all phone calls are recorded, her name was XXXX, and hung up the phone.
I APPLIED FOR A HAMP LOAN ASKING FOR REDUCTION IN INTEREST RATES AND A PRINCIPAL REDUCTION FORGIVENESS. I WAS GRANTED A INTEREST REDUCTION BUT NOTHING ON PRINCIPLE FORGIVENESS. WHEN I TOOK OUT THIS SUB-PRIME ADJUSTIBLE MORTGAGE MY HOME WAS APPRAISED AND I AM STILL OVER 40 % UNDERWATER TODAY. SO WAS I TAKEN AGAIN BY THE MORTGAGE PEOPLE BY NOT GRANTING ME SOME PRINCIPLE REDUCTION FORGIVENESS?
Transunion sent the paper report ( attached ) in response to CFPB case # XXXX regarding XXXX XXXX # XXXXIn their CFPB response, Transunion says the date of first delinquency is " reporting '' as XX/XX/XXXX.THEIR report is attatched and it is NOT REPORTING at all.In addition the payment received was {$26.00} not XXXX as they are reporting. 
the last payment made was XXXX/XXXX/XXXX which is not reporting. The payment table does not accurately correspond with the XXXX/XXXX/XXXX date of first delinquency.Basic math in relation to the non-appearing date of first delinquency dictates that the payment table is erroneous. 
TRANSUNION IS NOT FAIRLY AND ACCURATELY PORTRAYING MY CREDIT according to FCRA. ALSO THE HIGH BALANCE AND ORIGINAL CHARGE-OFF AMOUNTS ARE FRAUDULENTLY EXCESSIVE BY HUNDRED 'S OF DOLLARS BECAUSE THE CREDITOR VIOLATED THE RULES OF THE FULLY-IMPLEMENTED XX/XX/XXXX CREDIT CARD ACT IN CHARGING LEGALLY EXCESSIVE PENALTY FEES AND INTEREST.TO SUPPORT THIS, XXXX, THE DEBT BUYER STOPPED COLLECTION AND DELETED CREDIT REPORTING AFTER THEIR INVESTIGATION about a year ago.WHEN XXXX BOUGHT THE DEBT IT WAS " PAID IN FULL ''.
During the financial crisis of 2008 to protect our small business a cash withdrawal was made against my Bank of America Master Card. Since then payments have continuously been made. Bank of America explained that the payments are not made to the higher interest cash loan. All payments that were made went to the balance of the credit card while the higher interest rate cash loaned increased the amount owed. I have repeatedly contacted Bank of America to reduce the interest rate. They continue to decline my requests even though the balance of the past due amount has been paid off and the payments higher than the minimum due have been paid. Bank of America for years advised me that they review the accounts to reduce interest rates if there are no late payments and a substantial monthly payment has been made, all of which has been accomplished. 

My complaint is to have my interest rate reduced and any credits applied to my account if it is deemed that Bank of America has acted unfairly and has taken advantage of consumers during the financial crisis of 2008.
About XX/XX/XXXX, I was informed on a credit report that I had an outstanding debt from XXXX Cable Company for {$180.00}. The information about my name, address, and last digits of my social security number were incorrect. Around this time, I had been a victim of identity theft. I completed a police report, which named the debt collections company, Stellar Recovery, on XX/XX/XXXX. The police investigation dated XX/XX/XXXX, ended with no results. 

I wrote XXXX  about the discrepancy on my report The reporting Bureau since placed this account in " dispute. '' They also placed my name, address, and last digits of my soc. sec. number in " dispute. '' Despite the fact that XXXX eventually reported the account is " deleted '' from my report on XX/XX/XXXX, I continue to be contacted by collection agencies. I sent a letter to all the credit bureaus -- XXXX, XXXX, and XXXX -- dated XX/XX/XXXX to reinvestigate the disputed debt or delete it completely according to the provisions of the Fair Credit Reporting Act. 
I am currently still trying to resolve this matter, which impacts my credit for {$180.00}.
The Equifax report suggests that my information was part of what was included in the leak. At this stage I 've requested the 90 day fraud alert, but Equifax has not activated the service on my account nor notified XXXX or XXXX to my knowledge. I want to know what steps are being taken to further protect my information and my credit history from being misused.