WillisBack/dataset-financial-user-claim huggingface dataset:
Nationstar XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX See attached previous CFPB Complaint and supporting documents. 

We submitted a full-asking-price offer on XXXX/XXXX/15. ( yes we have been working on this with Nationstar for MONTHS ) Nationstar refused to consider the offer ( the offer with the pricing they required ), and instead forced the property through the AUCTION HOUSE THAT THEY DIRECT AND OWN. 

Nationstar ran this thru the auction AGAIN, there was no winning bid AGAIN, and now they are REFUSING to consider the offer of the buyer that has ALREADY COME UP TO THEIR ASKING PRICE. 

Why is the offer that we submitted not being looked at? This house is in a drug infested neighborhood. Our buyer even offered what their last XXXX came in at. Their own auction company cant get a buyer. It 's obvious what they really want is to just collect the 5 % fee and ensure the property goes to their group of shill buyers. They do n't care about their own investor or the client they are supposed to be servicing. 

Nationstar has been defrauding their investor since XXXX when they were presented with an offer that met their value. If Nationstar comes up with a 'new value ' it is only to cover for the fact that they are trying to wait long enough to find a buyer through their fraudulent auction process so they may profit the additional 5 %. 

WHEN IS THEIR ILLEGAL AUCTION-AND-POOL-OFXXXX GOING TO BE INVESTIGATED AND SHUT DOWN?
My main concern is that Nationstar Mortgage is not my creditor nor the holder of my mortgage. Nationstar Mortgage is filing forged documents with my Recorder of Deeds ( Mortgage Assignment ). The assignment has been proven fraud and to make more insult of this situation, they have charged my alleged mortgage account for the filing and completing of the charges to file the forged assignment. The entire mortgage from inception was a sham and we just recently received information from the XXXX settlement that state that there is no way that the loan was originated with XXXX XXXX XXXX XXXX. I have provided this proof to Nationstar Mortgage and yet they continue to send me billing statements claiming that I owe a mortgage to them by way of assignment from XXXX XXXX XXXX XXXX. They even threatened foreclosure on my home without any right to collect but the evidence that I provided the court made Nationstar Mortgage mark that case settled, discontinued and ended without prejudice, so that they can now go back and create more fraudulent documents to probably start again. This company is violating debt collection rights and other offenses. I asked this company to provide my original paperwork and they even forged that information ; on their forged original application it states that we are both white and I am XXXX and my husband is XXXX. I am submitting a copy of all forgeries for your review. This company has also offered me an illegal payment plan including a new mortgage agreement which they would not be entitled to payment for. I asked for a copy of their business records and even in the records are transactions that say advise to call XXXX to create a mortgage assignment. The records also include a line saying that they are aware that the title is corrupted and that the assignments are fraud. I asked them to provide an original copy of the note and mortgage and both were forged and the mortgage even shows a different return to address, different signatures and initials. They were even so sloppy that they put part of the notary seal on opposite sides ( compare the mortgage fake document to the mortgage recorded mortgage to see the forgery ).
Cancelled monthly monitoring services with Experian at XXXX XXXX  on XX/XX/2017. Since that period, Experian has continued to charge my Debit Card {$24.00} every month. The debit card is only given enough money to cover specific monthly expenses. Because they keep charging me, my account keeps getting charged overdraft fees. Each time I try to call Experian, my average " hold time '' is an hour and 45 minutes.

They continue to keep attempting to charge my debit card and I have had to cancel the bank account to avoid continuing charges.
I had checking and savings accounts with Bank of America for years. In XX/XX/2018, I closed out my last remaining accounts. Every month since XX/XX/2018, Bank of America has been withdrawing {$500.00} from my XXXX XXXX XXXX checking account around the XXXX or XXXX day of the month, and returning it to my XXXX XXXX XXXX account anywhere from 3-5 days later. 

I have spoken with Bank of America representatives on multiple occasions, and so has my wife in order to try to get the issue resolved. Bank of America representatives always act like they are investigating it, but nothing ever happens as a result, even when we call to follow up days later. 

The first time I discussed the situation with Bank of America, they told me that there was nothing they could do, and that I should have XXXX XXXX XXXX put a stop-payment on my checking account for the recurring transaction. I've spoken with representatives at XXXX XXXX XXXX, and they told me that they could put a stop-payment on, but that there is a fee associated with it, and that I would be better off resolving with Bank of America. 

Each month I have multiple credit card payments due on the XXXX and the XXXX day, and each month I come dangerously close to over-drafting on my account and risk multiple non-sufficient funds fees as a result of Bank of America withdrawing money monthly. I honestly have no idea what they are doing with the money, but I have told them that the transaction is not authorized. It's unacceptable that an institution of that size is unable to assist in the matter.
I received a notice in the mail regarding a collection effort in a attempt to resolve the matter I called the number on the notice I then provided all necessary information to validate my identity to XXXX XXXX that person then refused to provide me with any information about my case stating that I sounded like a girl and he would not give me any information and to contact him via written mail I then got upset and stated that I confirmed my information and he should not be refusing to provide with what is needed he then said my documents say that your a male and you do n't sound like one so I 'm not going to give you any information and then hung up the phone I then called back and XXXX answered the phone said hold on and hung up the phone again I then researched the contact numbers of that company and got in contact with his manager XXXX XXXX to explain to her that I felt discriminated And they legally had to provide me with the information about my debt she then stated she was going to stand by XXXX and no provide me with my information because I do n't sound like the person I am saying I am even though they have never had any interaction with me before to know what my voice sounds like I then stated that it was illegal for her to make an assumption of my gender based off of the tone of my voice and would be contacting a lawyer if the continued to refuse to provide me my information. I then contacted XXXX w/ the call recorded in one more attempt to resolve the debt and dean still refused and transferred me to his manager again XXXX XXXX with the call being recorded I stated to her that I was giving them one last chance to provide me with the information and that I was recording the call she then again refused to provide the information I then stated that I would be contacting the credit bureau to notify them they are refusing to validate my debt and that they are unwilling to cooperate with a debtor and refusing payments she then stated we were no longer going to have this conversation and hung up the call. This account has been filed with the courts it reflecting negatively on my credit report and all i wanted to make payments and take care of this debt but they are refusing to provide me information to do so based off the tone of my voice why should i be required to pay if they arent willing to give me the information
The following company has listed a debt on my credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. Further as is required by the FDCPA this organization never sent me proper notice such allegations of owing a debt were being claimed much less an opportunity to remedy the issue with them where I would have requested a valid proof of claim and notarized affidavit swearing to the fact that this company and I ever met or agreed to do business or that I ever acknowledged an alleged debts was owed by me to this unknown party known by me only according to my credit reports as PARAMOUNT RECOVERY SYSTEMS. The following information is being reported on my credit reports see below. PARAMOUNT RECOVERY SYSTEMS Agency Address : XXXX XXXX XXXX XXXX XXXX ' XXXX, TX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Original Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$970.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$970.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Medical This is fraud as no offer of contract was ever presented nor considered or accepted by me and no equal value was ever exchanged by this organization to me warranting performance in the form of payment of a contact that has never existed between this party and I.
I pulled my annual credit reports and found I had a collections account on my reports. Penn Credit Corp in the amount of XXXX. I had no idea of this debt and was not notified that or recognize this company.
Nissan is reporting past due. The account is current, payment of {$2000.00} has been done to Nissan on XXXX XXXX 2015, Monthly payment of {$450.00} was done XXXX XXXX, 2015. payments are current. Past due note in my credit report is affecting my score. Next payment will be XXXX XXXX, 2015.
On XX/XX/XXXX I sent money to a friend through MoneyGram. The MoneyGram representative at CVS was not able to complete the transaction because of lack of funds at the store. The CVS representative tried to split the payment between cash and a money order. The CVS  representative completed the transaction three times voiding all three transactions. After realizing CVS could not complete the transaction my friend went to XXXX to complete the transaction. XXXX informed my friend that he had exceeded his transaction limits. I contacted MoneyGram and they informed me that I would get a refund I could not correct CVS  's issue. They told me that the information was in the terms and conditions but it was not available when I signed online to send the money to my friend. On XX/XX/XXXX approximately 4 hours after the transaction I contacted my bank and MoneyGram to get a merchant reversal authorization. MoneyGram refused to do the merchant reversal authorization and told me it would be 3 to 10 business days from the date of XX/XX/XXXX. Both CVS and XXXX who represent MoneyGram we're unaware of the 3 transaction limit. The CVS manager felt bad that she had made the mistake that she did and could not get it corrected through MoneyGram either. It would appear that MoneyGram is trying to earn the interest off the money that was sent while I am left without the money and my friend is unable to receive the money. The lack of disclosure for the three transaction limit per day clearly violates some rule somewhere and weather at your agency or another agency can do something about this I will complain until they make it very clear to all their representatives that represent their company the rules and regulations and which is you applied to those thank you very much.
I received XXXX to the XXXX in XXXX 2011. We started the process of listing our home for sale and were unsuccessful. In order to attempt to be compliant with our XXXX XXXX report date the agent and lender advised on attempting a short sale. In order to start the short sale process we had to show hardship and stop payment for several months. Prior to our departure of XXXX XXXX we had late payments past due and no clarification on a short sale. Over the course of the next year we were advised to apply for a deed in leiu. Obviously during this time our credit rating was destroyed and on final outcome our home was given back with an appraisal of more than XXXX less than purchase price XXXX years earlier. As I am returning to the states in a few short months we are trying to purchase another home and are having trouble. I have just now learned of a retro action from DOD HAP that may assist our past situation. Unfortunately i do not recall receiving and information about actions via mail as nothing was formal and may have appeared to be " junk mail ''. In short my service requires my family to move short notice and has caused financial hardship over the past years.
I just received an update on my transunion credit report. The update is now showing that " XXXX XXXX XXXX XXXX XXXX '' is reporting I did a bankruptcy and the amount was charged off to a debt I could not pay.This is completely wrong. I NEVER claimed bankruptcy and I am very upset that this wrong information is reporting on my credit report. XXXX XXXX XXXX XXXX had agreed to delete this account off my report not to report a bankruptcy that I NEVER did.
This is my second request for " validation of debt '' in regards to this account. Why am I having to send a SECOND REQUEST? If you are confident enough in the accuracy of this account 's content to report it to the credit reporting agencies, why are you unable to honor my request in a timely manner? This is a simple request of validation that should be easily provided and not a refusal to pay. Would you just pay anybody just because they said you owed them? 

I work too hard for my money to just hand it away without sufficient proof that I am the correct debtor and am being billed the correct amount. The fact that it is taking so long for you to validate, makes me think that you are stalling due to not having proper documentation. I am formally and once again requesting a validation of the aforementioned debt. 
I would like to see : Copies of any signed documentation obligating me to pay this alleged debt. 
The name, address, and phone # of the original creditor, since you are a third party collection agency. 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A detailed history of ALL transactions on this account including but not limited to all payments, refunds, interest, fees, etc.
I have not been able to open a checking account in years I have no ideal why this is happening. Had fraudulent banking account activity from XXXX XXXX on my credit report a few years back that has since been disputed and removed from my report I have tried to open checking accounts with XXXX XXXX XXXX XXXX who also did a credit report that I did not authorize bank of america also did an unauthorized viewing of my credit report they have also send me an email stating they will contact me through email when my account has been approved have yet to receive that email I have also tried to open up checking account s with several other banks which have also obtained my debit card information social security number and unauthorized credit reports and denied me an account there after.
I took out a home loan on XX/XX/XXXX with a principal balance of {$310000.00} with XXXX XXXX XXXX dba XXXX. The previous servicer of the loan was XXXX XXXX. Caliber Home Loans claims to have became the servicer of the loan owned by XXXX in XX/XX/XXXX. A Chapter XXXX Bankruptcy ( Case Number XXXX ) was filed on XX/XX/XXXX, while an Appeal from a previous BK is pending for oral hearing on XX/XX/XXXX and Caliber has yet to appear before the Court. 

Caliber sent me the attached XXXX and you can clearly see the post-petition payments during XXXX were made and they have ignored this. The federal employer identification number ( EIN ) reflected on the XXXX Form XXXX does not correspond to Caliber, but rather to their 401k Employee 's Account and this needs immediate clarification. 

Caliber has failed to post all payments made since XX/XX/XXXX, my credit has been negatively impacted, and the loan balance has been increased by {$50000.00} due to unlawful fees and costs charged with no Court Approval or Order to do so. 

XXXX XXXX si the owner of the note and has not notified me that the loan was attempted to be sold. The loan went through a XXXX loan modification and is thus a non-negotiable instrument pursuant to the UCC 3. XXXX XXXX can not legally sell the Note. 

The Assignment of Mortgage and Note endorsements are fraudulent, therefore I request a full audit of the loan. The attached subpoena has been sent to all the parties involved. Caliber has failed to properly report my payment history and information to the Credit Reporting Agencies ( CRAs ) regarding the loan since becoming the loans servicer on  XX/XX/XXXX. 

According to Caliber the loans uncollected fee balance is {$3000.00} as of the date of this letter? We continue to contact their Single Point of Contact ( SPOC ) Department at XXXX and have not received any adequate reply to our concerns.
I have disputed the late payments on XXXX XXXX XXXX.. The credit bureaus refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I leased a house rental property lease dated XXXX/XXXX/2016 and I terminated early because I lost my job and had to relocate for a new XXXX. Although not a reason to justify early termination, Under Texas XXXX ( XXXX. XXXX. XXXX XXXX. XXXX ), " if you do n't have a legal justification to break your lease, your landlord must make reasonable efforts to re-rent your unit -- no matter what your reason for leaving -- rather than charge you for the total remaining rent due under the lease. You need pay only the amount of rent the landlord loses because you moved out early. This is because Texas requires landlords to take reasonable steps to keep their losses to a minimum -- or to " mitigate damages '' in legal terms. '' I moved out on XXXX XXXX, 2016 but paid rent for XXXX 2016 ( through XXXX/XXXX/2016 ). I notified the property management firm on XXXX XXXX, 2016 that I vacated the property and to please re-lease it. The property was listed for rent by the property management firm on XXXX XXXX, 2016 and was successfully leased beginning XXXX XXXX, 2016. I should not owe any rent money for breaking the lease since it was rented immediately and there was no loss of income. 

Since the property management firm re-leased the property immediately, all I would be responsible for is the amount of time the unit was vacant, which was already paid by me when I paid XXXX rent. 

Now I have a collection agency trying to collect a debt of {$16000.00} which in my calculations is the remainder of the lease.
RE : Livewell Financial , Inc. v. XXXX XXXX XXXX XXXX County Pennsylvania Court of Common Pleas No. XXXX We represent PXXXX XXXX XXXX relative to the above referenced reverse mortgage foreclosure action. XXXX XXXX was referred to us by the Area Agency on Aging. Her home is being foreclosed on because of a Tax and Insurance default cause by a temporary shortage of funds.
XXXX XXXX presented a budget that shows she has enough income to support a payment plan to pay the ongoing taxes and insurance and to cure the arrears within the 60 month time frame afforded by HUD. In fact, according to the budget presented, she could cure the total arrearage within three years. However, Live Well has stated that it is their company policy that they do not allow payment plans to exceed one year.
Collection account placed on credit report XX/XX/18. Never received dunning letter or any correspondence regarding the alleged debt
This was originally under a workers comp claim XXXX of XXXX that was actually not approved so XXXX XXXX should have been billed under medical insurance but never was! Never received any info from original company either! Assumed everything was fine and would just receive a deductible amount to pay to them! They never issued to insurance carrier and I never knew or received correspondence from original doctor either! Two plus years later see on credit report that now is with collection agency for absurd amount that never should have been amount was if was properly sent through insurance! And this company is stating compounding interest too and shows start date with them is XXXX! I told them all this and they never got in touch with me and I have tried numerous times to contact and they wo n't do anything other then ask for amount. I do n't really care to much other then fact that effects credit and is only collection have that will honestly stay that way because I am not paying amount! Please just help me because really just hard working citizen trying to get life in order and doing quite well but this is dark cloud that ca n't seem to get fixed!
Call came in, robot about reducing fees, wanted to have my number removed, only way was to talk with some one, they in turn asked for name and they verified my number, I asked for my name to be removed and he said he did not have to and I should expect harassing calls. The call was from XXXX
my grandmother and i applied for loan modification ten years ago different lenders took over loan also i recieve check from florida hardest hit program the balance remain o ve one hundred thousand dolla rs the mortgage company has falsely reported me into collections my uncle and i are being harassed we submit payments every month the balance remain same ov er hundred thousand doll ars we are  XXXX  the principle almost at  eight perce nt where we could not never pay the mortgage off thanks please help me in this matter
I sent dispute on my credit report to all three major credit companys. Waited 90 days didnt hear anything from any of them. So i again contacted all three as a follow up after 90 days and srill havent heard anything. This was 6 months ago.
I have recieived many ( about XXXX in the last two months..sometimes from a listed phone number, sometimes from a non listed number ) threatning phone calls from " Concord Resolution Debt collection Agency '' In Attempt to collect a debt I do not owe. I have been treatened that I will be arrested, I will have my wages garnished, and I could loose my job. I have called this company several times at the number listed below and spoke with XXXX. I told her to stop calling me and to take me off the call list. 
The phone numbers is XXXX XXXX XXXX my " reference number '' is XXXX Please help me!!
Experian sent me dispute results and a credit report. The results from the dispute are inaccurate. The dates on the dispute results and on the credit report are not the same. The representative on the phone provided me with different dates as well. The negative items should have been removed from my credit report by law. Experian representatives are placing the blame on the companies, stating that the companies are reporting the information inaccurately.  (    XXXX   XXXX   and   XXXX   XXXX   XXXX    ) If experian just monitored the information reported, they would clearly see that the dates   reported have changed. This is  Fraud.