WillisBack/dataset-financial-user-claim huggingface dataset:
Nationstar Mortgage order of how the documents were put into the record and filed XXXX Appointment of Sub Trustee XXXX Notice of Trustee Sale XXXX Assignment of Deed of Trust ( Should of happened before Notice of Trustee Sale ) XXXX TRO FIled with Court at XXXX XXXX XXXXXXXX  TRO Signed by Judge XXXX XXXX at XXXX XXXX XXXX Bond Paid in Cash {$2000.00} @ XXXX XXXX ( Within 24 hours ) Looks like they did n't have deed when they started Foreclosure. Only recorded on XXXX which is less than 30 days before foreclosure of XXXX and after they started foreclosure. also the bond has to be placed within 24 hours of the TRO. Not before because we dont know the amount to be set at TRO hearing could be 100-10,000 .dollars. So we are all good on that. Then we have the fact that the Lender is the only one who can file the notice to subsitute trustee not servicer or trustee or anyone only true lender. thats three. 

What had happened is NationStar illegally foreclosed on XXXX XXXX, XXXX against a judges order and stole our property then in XXXX of XXXX sold the Note to a third party at a private sale this third party evicted us out of property in XXXX XXXX. We are homeless now. Nationstar violated many statues and stole our house and resold it. we never missed any payments all were paid up until XXXX XXXX when XXXX XXXX XXXX refused our monthly payment because of not owning the note but were taking payments acting as servicer.here is the escrow closing # XXXX and Doc # XXXX the MERS # XXXX Through XXXX XXXX XXXX XXXX was never a MERS Member so I dont know how they can register this to the MERS data base. but its in the Deed of Trust. Loan number XXXX XXXX XXXX XXXX XXXX email. XXXXXXXXXXXX I can provide all documents upon request.
My information was leaked by XXXX. XXXX and TransUnion ( I 've contacted both for several hours each ) are refusing to give a security freeze without " protection '' money. They maintain that I have to have wait for someone to commit fraud with the XXXX breach, bring the fraud case to the local PD, and then mail them the police report to get a free security freeze. Essentially, after my credit is destroyed, they 'll give me the freeze ... We all know that it will happen, it is n't an if, but a when, and yet they refuse.
my home need {$6700.00} of escrow every year. All of the sudden Round point mortgage company want to add around {$8000.00} to my escrow knowing that my home insurance, my house tax, and my PMI is not changing. I called the Bank and No body is able to explain to me. They just read the letter again to me and do nothing as they are not professional bankers!! its like someone in XXXX is answering my questions. This bank has no local office or no one who can speak with no accent to help me around. I can not pay extra {$8000.00} for my mortgage monthly payment I told them just come and take the house and of course they did not care.
Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX I have reached out to this company several times to send proof of the accounts it claims I owe. They are reporting on my credit report nine time with duplicate and various account, that I have no record of. I haven't received a response even though I have sent multiple. They had thirty days to reply which they haven't, I have even disputed with all three bureaus. I have " No Contract '' nor have I signed any paperwork agreeing to pay any loans made or financed by this company.

They continue to report fraudulent information, I have read multiple threads online by millions of consumers who are also victim to this same company.

Something needs to be done, they can't prove a validity of the accounts owed, yet they are still able to report inaccurate information, that results in direct harm to consumers credit reports, in an attempt to forced consumers to pay them monies that they have no right to receive.

This company is a " Fraud '', but because they buy debts from multiple banks and finance companies, and they are publicly traded ; that doesn't make that the illegal practices they do valid.

I want immediate action taken, and all negative marks deleted from my report from this company. I would also like a written letter with the details of the removals sent to my by mail for my records.
Merchants Credit Guide Company is representing themselves as a debt collection company but is not disclosing information regarding this information and is using gorilla and scare tactics to collect debt that is not in collections and to acquire information on a consumer. I pulled my three credit reports and there is no collections and no new initiated lines of credit. They have called up to 6 times a day and left robot voice messages representing themselves as a debt collector. The phone number XXXX and they attempt to collect personal information without disclosing information regarding the reason of the communication or providing written communication regarding balances or the collecting agency. This is an attempt to transfer the crediting companies debt to allow them to collect interest on other parties credit.
On XX/XX/XXXX after my mother died I called Capital one and canceled my mothers card. I was contacted by my father who is XXXX and was told that he can't reorder his drugs or buy food since his card was also canceled I spoke with multiple reps and supervisors and they refused to reinstate or send a card without a 10 day investigation. They even claim it was canceled by the automated system which is not true. I called and they didn't ask for a death certificate but only for her card number which is different. She was not the main holder and almost everyone agreed his card should not have been canceled. I spoke with supervisor XXXX and XXXX agent # XXXX. I have e-mailed corporate and everyone refuses to help. My dad is very frail after my Mom 's recent death and twice they called him on the phone and got authorization for me to speak but didn't even note it. 

I have spent hours on the phone and no one will help. Even contacting corporate was no help. They say they have no other process to help. My father nor I needed this type of uncaring company response.
Please see the attached letter sent to TransUnion on XX/XX/2018. I had previously disputed the invalid collection notice from XXXX XXXX XXXX on my credit report in XX/XX/XXXX. I received a notice stating that TransUnion " verified '' all of the information on XX/XX/2018. In a phone call thereafter, I asked what they 'verified ', because there is absolutely NO documentation to support any agreement to pay any set amount of money on any regular dates in regard to this error. I was told that the company verified the amount, the date, and some other information. Naturally, the company ( XXXX XXXX XXXX ) would say that it is correct. But that is unsupported. Where is the documentation? 

I reached out to my attorney who advised me to write the letter attached, disputing it again, and in writing clearly stating the non-existence of any of the following : There has been : - NO application for credit - NO credit extended - NO loan in any amount - NO signed agreement to pay funds in any amount - NO signed agreement to pay funds on any dates or intervals There has been NO exchange or trade of any goods or services related to the matter.

Without the above, there can be NO late payment, NO missed payment, and NO valid collection notice should be on any credit report. 

TransUnion representatives told me in a recorded call with a supervisor that they do not require any evidence of the debts that companies post for collection. I could not believe they were telling me this. It is both asinine and absurd. Furthermore, why waste time with a dispute? They may as well save some money on employees working on investigating disputes, because that is a waste of resources. In the letter, I requested in writing that TransUnion ask the companies reporting the collection to provide them with each of the above documents. If they are unable to provide all of those things, ( which they can not because those documents do not exist ) then TransUnion needs to remove the collection notice immediately. TransUnion needs to actually do their job and make sure consumers are protected from people/companies who are trying to use credit reporting agencies to manipulate consumers. There is no legal basis to have this collection notice on my credit report. If the company feels that they are owed money, they may file a lawsuit, however, they may not legally send collection notices to any credit reporting agencies.
I consent to this complaint being published publicly.
I have a loan with CAPITAL ONE AUTO FINAN. 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 CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX / XX/XX/XXXX-XX/XX/XXXX.
I have made XXXX ( XXXX ) separate credit report dispute requests to Experian, which were mailed United States Postal Service " certified. '' Both requests were denied. I have AGAIN received another letter dates XXXX XXXX, XXXX in which Experian is demanding that I submit a copy of a " current utility bill, bank or insurance statement. '' My " original '' letter was dated XXXX XXXX, XXXX and my " second '' letter was dated XXXX XXXX, XXXX. I have told Experian that I have submitted all the required documents under the Fair Credit Reporting Act to verify my identity. 
Specifically, there is no federal statute under the Fair Credit Reporting Act that requires me to provide " proof of address. '' This may be a Experian " policy '' requirement but it is NOT a " statute '' requirement under the Fair Credit Reporting Act. The ONLY " statute '' requirement is " proof of identity '' and not " proof of address. '' I refer you to the Fair Credit Reporting Act under Section 611 [ Procedure in Case of Disputed Accuracy ], which follows Section 610 ( a ) ( 1 ) [ Proper Identification ], which states that " a consumer reporting agency shall require as a condition of making the disclosers required under Section 609 that the consumer furnish proper identification. '' Verification of " identity '' is provided under Section 609 ( e ) ( 2 ), which says that " before a business entity [ Experian ] provides any information ... as proof of positive identification ... the presentation of a government issued identification card. '' In my " original '' letter, dated XXXX XXXX, XXXX, I provided Experian a copy of a government identification, specifically, my passport and I provided my current mailing address in my " original '' credit report dispute. 
In my " second '' letter, I provided Experian a copy of a government identification, specifically, my passport, copy of my social security card, copy of their letter sent to me at the address I provided in my " original '' letter. This is more than the required documents necessary to provide a Credit Reporting Agency under the Fair Credit Reporting Act. 
As a result, Experian has failed to complete their investigation within the 30-days, as required by the Fair Credit Reporting Act under Section 611 ( a ) ( 5 ). I request that Experian be fined the minimum penalty and I request that you contact Experian and mandate compliance with my credit repair request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX XXXXXXXXXXXX
I received a call from Stoneleigh Recovery Associates XXXX XXXX XXXX XXXX XXXX, IL XXXX. A " XXXX XXXX '' left me a message to return his call at XXXX, The call was spoofed as " XXXX '' I guess to appear as a local number so I would answer. I returned the call and talked to XXXX XXXX and he advised me it was a an attempt to collect on an old XXXX XXXX credit card debt. I advised him I did not wish to speak to him about and and asked he not call me any more and he kept pushing me telling me to handle my responsibilities, get out my check book and the whole nine yards. he just refused to accept that I did not want to speak to him. My issue with XXXX XXXX is between myself and them. If they have chosen to sell the debt some day i may be able to resolve it. My complaint is this guy just continued to badger me over and over. He claims it was recorded. Please ask for the recording. the call was from XXXX which is my cell phone and i was at work. I do n't believe that spoofing numbers is allowable under the FDCPA Section 807 : A debt collector may not use any false, deceptive, or  misleading representation or means in connection with the collection of any debt. I also think that the continual repetition of " taking care of my obligation, get my check book '' and general attempts to badger me simply because I refused to talk to him could be construed as a violation of section 808 as well : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.
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I want the calls stopped and I want an investigation into the violations I cited above
What happened was that I received a bill in my name and p.o. address that I should not have received, but received anyway. The bill amount was for {$320.00}, and was from an account for a cable company ( XXXX ), the account had closed on XXXX of 2015. When I called the debt collector to rectify the issue the manager had asked me if I lived in a certain address in XXXX XXXX, I gave them an emphatic ''NO ''. When he asked if I knew the person of the address I told him that it is MY MOTHER 'S address. At this point I believe she purposely used my name ( WITHOUT MY PERMISSION ) to incur a debt that I do not intend to pay and will not pay. I have never owned cable nor started an account in my entire, nor do I intend to ... .ever. Also this will affect my credit score even more so now than before. I believe this is a form of identity-theft, and I want it stopped A.S.A.P.
LoanDepot broke the law regarding releasing the escrow balance from my account after i paid the loan in full. 
The requirement is 20 days total, not 15 business days as stated by them. 
My mortgage was paid in full on XXXX XXXX, 2016. Today is the XXXX day, and i still did not receive the escrow funds. 

XXXX Timely escrow payments and treatment of escrow account balances. 
( a ) Timely escrow disbursements required. If the terms of a mortgage loan require the borrower to make payments to the servicer of the mortgage loan for deposit into an escrow account to pay taxes, insurance premiums, and other charges for the mortgaged property, the servicer shall make payments from the escrow account in a timely manner, that is, on or before the deadline to avoid a penalty, as governed by the requirements in XXXX ( XXXX ). 
( b ) Refund of escrow balance. ( 1 ) In general. Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control.
On XX/XX/XXXX, I got contacted by someone name XXXX XXXX, who says that the is an editor of the online magazine website, XXXX ( XXXX ). On XXXX, XXXX XXXX is known as " XXXX. XXXX, '' but I was curious if this was the same XXXX from that website, or not. Because I am a XXXX, he said that he saw my information on a website called XXXX, for which I am not a member of that website. He gave me details for a XXXX XXXX, which the deadline is on XX/XX/XXXX, which will pay me {$2000.00}, but an advance pay of {$500.00} will be payed to me first. He also told me to email an agent name XXXX XXXX, with an email XXXX. When speaking with XXXX, he mentioned that I will have to pay him {$3300.00} dollars, for which I did n't have those type of funds, which made step away from being the XXXX. XXXX then told me, that I will be receiving an advance pay of {$3800.00} dollars, which according to XXXX, I had to pay {$3300.00} to XXXX. Once I received the check on XX/XX/XXXX, I made a mobile deposit of the check. The funds were on hold for several days, until the XX/XX/XXXX. On XX/XX/XXXX, after checking my bank account, with the funds still on hold, now there is a pending on a return item of the {$3800.00}, leaving my account with overbalance of a negative account. I 've contacted XXXX to request a fraud on my credit report, I 've filed a complaint to the FTC, I 've contacted my bank to try and file a fraud affidavit, and the XXXX Police Department Major Frauds Unit, in regards of this. I 've yet to file a police report, as I 've noticed that I will need to gather up a bunch of evidence, before I could proceed with the report.
I am late ... almost 30 days. I went online to make payment. Wo n't let me pay just the past due amount. Its totally impossible online and with their phone system. The ONLY w ay to pay is my past due amount AND next month which is n't technically due or late yet. I either have to make 2 payments or have a 30 day late. This does n't seem right to me.
I have been a Bank of American Small Business Customer for 2 years going on. I have never received a monthly {$14.00} fee for my checking account with BofA until XX/XX/18 which caused my account to accrue 2 overdraft fees for {$35.00} each making my checking account in a negative status $ -XXXX. I was told by the representative who answered when I called to speak to a small business specialist that I could not have the fees removed, I told her that I can not afford to pay the overdraft fees and that I would hate to have to close my BofA account after 2 years as a customer over this, her reply was " you will have to close your account then '' I asked politely to speak to a Supervisor, the rep kept me on hold for close to 10 mins only when my husband said that she was having me hold purposely to agitate me is when the rep said she had a supervisor ready. The Supervisor got on the phone and said her name is XXXX located in Delaware. The Supervisor said that she could not remove the overdraft fees and did not seem to care if I closed my account with BofA. I explained to the Supervisor XXXX that I am experiencing a hardship and that I just found out my baby inside of me is not alive and does not have a heartbeat and that I will be having a procedure to remove the fetus, and addition to that my family and I just moved to a new location and we have had financial hardship as well as the emotional sad news about our unborn baby not being alive. After telling my whole hardship story to the Supervisor XXXX, she said she was sorry to hear that but that she still can not remove the overdraft fees. I am very distressed and dissapointed and I am asking that you will have Bank of America remove the 2 {$35.00} overdraft fees so that I do not fall into anymore debt. I appreciate all that the CFPB does and stands for. Thank You.
I have sent several Debt validation letter and All i ever get back from the company is that they have confirmed my name and address and amount. This is not proper verification as to confirm that I have a debt with them. Or does it confirm that they Legally own the debt.
I need relief from mortgage insurance on my current loan. I refinanced my home several years back under President Obamas HARP program. My mortgage company at the time was Greentree and the PMI would be removed in XX/XX/XXXX. I contacted my current service provider Ditrech and was told this cant be removed until XX/XX/XXXX. I am not clear for the reasons for this, but I need this resolved as I have had a severe reduction in income since XXXX due to illness and XXXX and am looking at a forced early retirement due to this condition. it is a strain on me to pay for co pays and medicine and to pay an extra {$200.00} + per month on a house payment that has not been late in almost 10 years of payments.
I had Care Credit Credit Card with Synchrony Bank. On XX/XX/2016 i paid the Balance {$50.00} and I asked to close the account. I kept sending me statements. I called they inform that i have to pay interest and they will waive the late charges. On XX/XX/2016 I paid {$260.00} and close the account. till now I am getting statement with interest and late charges. When I contact them the said it is different account, of which i did not open.
Common wealth financial @ XXXX XXXX XXXX XXXX XXXX, PA XXXX, phone number ( XXXX ) XXXX. 
has called me several times and hangs up on me when I ask them to send me a copy of the contract signed where the account belongs to me, and they refuse to send it to me and to remove the negative file even though I have requested a dispute from XXXX, they consistently and illegally Harrass me on my cell phone and try to collect a debt that does not believe my to me. Please contact me for any questions. 

XXXX XXXX XXXX
I leased a car from GM financial about 6 months ago. I bought insurance on my phone through XXXX and thought I had full coverage. last week there was a vehicle that hit our parked car in front of my house and ran off. XXXX said I do not have full coverage. how did this happen? are n't you legally obligated to have full coverage on the lease? Why did GM financial not do anything about this? Why did XXXX not alert me that I was under covered? Who is at fault? Am I responsible for the {$10000.00} worth of damage from the hit and run? Does GM Financial have an insurance to cover this situation? Does Gap insurance cover this?
My problem is with First Citizens Bank in North Carolina. Due to a glitch in thier upgrade to their software Credit Cards and Lines of Credit were appearing as " nothing due at this time ''. And i never received any calls or notices regarding my line of credit and credit card with them. 
After approximately 3 or 4 months i received a call from the Bank inquiring about no payments. I was told this is a glitch in their system and thet a monthly payment was due. I immediately paid the amount they requested over the phone. 
They immediately then reported this to the credit bureaus. i then was notified that they were closing my credit card account. I attempted for more than 6 months to attempt to close my bank account via fax, email and hiring an attorney. The account appears " disabled '' still today. I've been requesting this bank account to be closed for more than a year. 
They need to remove this from my credit report. Because of their " glitch '' in thier system my bill was reporting " nothing due at this time '' for more than 3 months.
In Regards to ACCOUNT # : XXXX. 

This company is reporting inaccurate information to the credit bureau XXXX I have reached out several times to get this matter resolved with the creditor itself. I was informed yesterday that I needed to dispute the information with the credit bureau rather than the creditor because the creditor didn't have time to update all of the customers accounts with this issue as they have cut ties with XXXX as of XX/XX/XXXX. I have tried disputing this information with the branch several times prior to XX/XX/XXXX contact with the branch. 

According to the FCRA the creditor is to report accurate information to the credit bureau if they report misleading information then it violates the FCRA. Granted if the creditor stopped using XXXX as a reporting agency it should have deleted all customer tradeline 's from that Bureau. Not advise the customer that it is there responsibility to dispute it.
On     XXXX   XXXX   XXXX       I filed a complaint with cfpb regarding medical debt that continue to reappear on my credit report. After my complaint with cfpb the medical debt reporting on my credit report was removed in  XXXX  now again in  XXXX  it has reappeared back on my credit affecting my credit score and showing closed in collections. On my report that I filed with cfpb the company said they would remove it from all credit reporting agencies and even though it was removed Equifax,  XXXX , and  XXXX  are reporting it again in  XXXX . My file number with cfpb that states this will be removed from all reporting agencies  XXXX .