WillisBack/dataset-financial-user-claim huggingface dataset:
Nationstar Mortgage is attempting to collect a debt without any legal authority. According to Nationstar Mortgage, I owe {$290000.00} and I 'm 77 months past due. I have not made any payments to Nationstar Mortgage since the alleged transfer of servicing of the loan in  XXXX   XXXX . Nationstar contends they are servicing the debt for the   XXXX   XXXX   XXXX   XXXX    XXXX .     The   XXXX   XXXX   XXXX   XXXX    XXXX  was the purchaser of the property in a foreclosure sale in  XXXX   XXXX  and is the legal title holder of the property.  XXXX   XXXX   XXXX ,  XXXX  's predecessor claims I owe   XXXX     XXXX    XXXX   XXXX    XXXX  rent as a result of the foreclosure sale.   XXXX    XXXX   XXXX  and Nationstar Mortgage is playing a cat and mouse game to harass and defraud me. It 's impossible to be responsible for rent and the debt that was foreclosed.   XXXX    XXXX   XXXX  and Nationstar Mortgage ca n't get their lies in sync. I 'm currently litigating with   XXXX   XXXX   XXXX   XXXX    XXXX  and  XXXX   XXXX   XXXX  in a pending lawsuit since  XXXX   XXXX  for wrongful post-foreclosure eviction, cancel trustee 's deed, recover title to my property, and numerous fraud claims. I 've attached an excerpt from   XXXX   XXXX   XXXX   XXXX    XXXX  's answer asking for rent in  XXXX   XXXX  during the pendency of the lawsuit. I 'm attaching documents to substantiate my claims. I 've filed over  XXXX  CFPB complaints, review my history. The truth does n't change.   XXXX    XXXX   XXXX  and Nationstar in their capacities as   XXXX   XXXX   XXXX   XXXX    XXXX  's servicers ca n't get their stories straight. Of course, it 's too much for the big law firms representing these large financial institutions to admit they 're wrong. They would rather conspire with each to commit fraud to right their wrong.
Mission Financial keeps upd ating my credit report with different new amounts from what the debt actually is and the last balance that was due to them in     XXXX  w as {$2100.00} now it has impacted my credit report that this company keeps updating these ridiculous amounts and they keep updating with  XXXX  accounts on my credit file and I tried disputing this   XXXX   times with the credit bureaus (  XXXX   &  XXXX  ) a nd to no avail has anything changed so I am attaching what they are reporting twice on both credit bureaus and also this debt is ove r 7 years old a nd I can not understand why do they keep updating my credit profile and changing the amount due. I have attached and updated reports of this action.
I received a letter in XX/XX/XXXX from ERC dated XX/XX/XXXX seeking to recover a debt of {$800.00} on behalf of XXXX XXXX. The letter identified me as the debtor, but it was sent to a business XXXX XXXX that I do not receive personal mail at, nor which I use for personal billing purposes. On XX/XX/XXXX I responded with a certified letter demanding that ERC verify the debt. On XX/XX/XXXX, I received the " verification '' which appeared to be a service contract dated XX/XX/XXXX for a person with the same first and last name, but for service at a location in another state over 1,000 miles from my home. I've lived in my house over 15 years and I've worked very hard to achieve perfect credit. I don't know how to get these folks to stop trying to collect a debt that clearly isn't mine and I'm worried that it's going to show up on my credit report, hurt my score, or result in some sort of legal action.
Bank of America N.A . is the servicer of my mortgage. A year ago I removed my ex-wifes name from my mortgage using a qualified assumption through Bank of America. Ever since the qualified assumption has been performed, I have been locked out of being able to access my mortgage via online resources. I have a savings account, checking account, and mortgage through Bank of America, and before the assumption, all my accounts were linked through my overview page and could be access from XXXX spot. Now every time I try to access my mortgage I get an error message that states " Due to a technical issue, we are temporarily unable to display Qualified Assumption loan details in Online Banking. Your monthly statements and your annual tax statement will be issued via XXXX mail and payments can be made via the banking center, over the phone or mailed in. We apologize for any inconvenience this may have caused. Please call XXXX for account information. '' I have called Bank of America multiple times to try and resolve this issue. Every time, I spend hours on the phone, get bounced around from department to department, and ultimately am just told " This is because an assumption was done. Give it a few months, you will have access again. '' I still am not able to access my mortgage account via my online banking center, and I realize this might be viewed as a minor inconvenience, but it is deny me my access to the information regarding MY home loan, and I now have to rely fully on the US postal service for my payment options. If for any reason my payment check should get " lost in the mail, '' I am unable to just log into my account and pay my mortgage as I used to be able to do. 

I feel silly turning to a regulatory agency to try and resolve such a simple issue, but I have been given the runaround by Bank of America numerous times, and have wasted hours of my time talking to various agents and departments with no resolution yet. A mortgage is a VERY serious financial decision and it is very disheartening to see that the very large banking institute that is in charge of my financial future can not even fix a SIMPLE problem and restore my online access to my account.
WAKEFIELD XXXX XXXX TN XXXX XXXX The company claims that I owe {$970.00} for a medical bill that was already paid through my insurance according to XXXX in XXXX, TN. I have been to civil court several times however we never see the judge. I consult with the lawyer and we always reschedule. This item is negatively affecting my credit score, and I wish to resole it quickly.
You advertise a FREE report on line. Even three reporting companies. This is XXXX. When I filled out your information twice, you did the same thing. Played like you were trying to load the reports then said, I could fill out forms and order them!!! I am XXXX XXXX XXXX, XXXX, lived at the house I built, for 20 years, lived in a mobile home at this address, while building the home. It is a 2 story Brick home, at XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. My phone is XXXX XXXX. I would love to see if there is anything Negative on my always perfect credit. I retired, as XXXX XXXX, of XXXX XXXX and XXXX XXXX from the XXXX  business, after 50 years, in the XXXX Business. I have been XXXX, since XXXX. I was XXXX of XXXX XXXX, corner of XXXX and XXXX XXXX, until I sold it XX/XX/XXXX. Was a XXXX  and XXXX, XXXX XXXX  XXXX for 40 years, for exercise, for my health, until XX/XX/XXXX, when I had a XXXX   XXXX. Just wanted to see what my credit report says about me at age XXXX. I owe no one, except current bills, XXXX XXXX, XXXX, etc., they are paid in full each month by bank Draft. XXXX XXXX XXXX XXXX, XXXX.
Received a call from Navient 's Recovery department on XXXX XXXX, 2015 explaining to me if I did not accept XXXX of XXXX deals by Monday, XXXX XXXX, 2015 they will proceed with filing the paperwork to put a lien on the house and garnish payroll. 
I tried explaining to them that I do not have the money and explained to them what I can pay monthly and they did not want accept. So again the threats continued explaining all assest will have a lien placed on them by Navient if XXXX of the XXXX plans are not accepted. 
We placed the loan on forbearance not understanding what she dummed down for me now, was that the loan would XXXX if we place it on forbearance.
In XXXX 2016 I received a letter from Lineberger Goggan Blair & Sampson, LCC,  representatives for XXXX XXXX XXXX XXXX indicating that on certain dates in the months of XXXX through XXXX 2016 I made toll rides on the XXXX XXXX XXXX and at the time of the toll rides my account was at a XXXX balance. In talking with both the XXXX and its debt collection agency, Both these agencies instructed me to obtain documents that indicated that I owed the debt ( debt totaling $ 1600+ dollars ). Nither of these two agencies provided the information I requested in my written communications. After making one payment of {$580.00} the collection agency decide to make me an pay-off offer of {$530.00} which I did. So I paid of the $ 1600+ debt, I made a total payment of {$1100.00} with my XXXX . Then one month later, I get another demand payment letter from Lineberger Goggan Blair & Sampson, LCC, that two other toll violations made in XXXX ( which by the way were not originally included in the $ 1600+ invoice ) indicated that I owed an additional violation debt of {$160.00}. I wrote to the collection agency that I was protesting the invoice and the violations. I provided information regarding the licenses associated with the tolls, account statements, rental car receipts, etc. that proved that the travel dates indicated on the voice for which the violation occurred did match with the account statement showing the date entry, time entry, travel route, vehicle ID, and toll fee. My biggest problem and that neither one of these agencies responded to my request for more information. I was told by each representative ( verbal and written communication ) that I could make a request for more information, either through fax or written correspondence, which I did but as I said, to date, I have not received any documentation proving how I might owe the debt. This passing the buck back and forth between the two agencies when trying to get information has become very stressful. No one wants to pay such a large fee without any record of proof. As I said I did pay {$1100.00} of the $ 1600+ owned but now XXXX wants more .... without providing any documentation that supports their claim.
I am filing a complaint against California Business Bureau, XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX, phone : XXXX. After I have paid my balance with this agency back in 2014, I was promised verbally over the phone that they will remove the report on the XXXX major credit bureaus and that they will send me a deletion letter so I could follow up myself through. Up to this date, they have not mailed me the letter and they have refused to removed the record on my credit report.
Bank of America reported that I have a payment greater than 30 days past due in XX/XX/XXXX. However, the statement I received in XX/XX/XXXX was misleading and led to a misunderstanding about the actual due date for the payment. The XXXX statement combines the overdue amount with new charges and assigned a new due date of XX/XX/XXXX. Because of this layout, and failure to identify that a subset of this amount was actually due before XX/XX/XXXX, my actual payment date of XX/XX/XXXX was considered late for the overdue amount from XXXX. I'd like to make sure that others don't suffer from a similar misinterpretation.
Upon review of my recent mortgage statement, the loan balance has reached 75 % of the appraised value of my home at the time of purchase, yet PMI was not automatically canceled at 78 % as required by the Homeowners Protection Act. The mortgage statement indicates ongoing payments toward PMI. The appraised value of my home is {$120000.00} ; the loan balance is {$90000.00} ; the debt to appraised home value is 75.4 %. Twelve or more excess PMI payments have been paid since the home value reached the prescribed cutoff threshold of {$93000.00}.

Rather than contact the loan servicer ( Chase Bank ) on this matter, I am reporting this directly to the Bureau for a more detailed review. In my opinion, there is a high probability that this is a systematic problem rather than an individualized one and many, many consumers could potentially benefit from an in-depth review of these billing practices.

My mortgage statement does not show the original appraised value at the time of purchase. Without this information, the casual consumer, such as I have been, could easily and blithely continue paying unnecessary PMI until the Chase system flagged it for automatic termination.
there are few things going on with my credit .well known companies are damaging my credit one month to another month ,1 yr to another year.XXXX  even forgive a mistake but not these XXXX XXXX companies ,1 late payment in last 8 years still reporting to credit bureu , lost house lost my cars after my husband sudden death threw me off with everything, after husband died had XXXX XXXX could not work, i had to raise XXXX children on my own, it was tough but i made it, things are much better financially but these companies continue to kill me and wont forgive me for late payments, they took my house for XXXX dollar debt left to pay off mortgage .XXXX XXXX  XXXX sold my house for late payment, did not regard my 20 yrs of payment i made XXXX dollar down payment we made to buy house,XXXX dollar house they sold for XXXX debt late payments and turned out sold for XXXX XXXX dollar, investor who baught my house selling for XXXX dollar, XXXX XXXX XXXX contnue to report late payment on my credit.XXXX cont to do negative reporting XXXX wont forgive me either, XXXX XXXX took both vehicle we had my husband made XXXX dollar down payments to buy those cars.he also traded my XXXX at that time but for late payments they took away my car sold it after we made three years of payments.recovered their money got their vehicle but put XXXX dollar for me to pay them. 
i am a biggest looser in this life lost everything except hope.with hope only i want to stand again and start life, but these XXXX XXXX companies wont let me do any thing i am tired of sending them letter to explain why payments were late? asking for forgivness but they are deaf they dont care i wish if i would have died too along with my husband becouse these companies are killing me any ways, i cant buy house i cant buy any vehicle.i am exhousted fighting with them, please help me if u can or i will believe no one is out there to see my tears and hear my cry XXXX XXXX XXXX XXXX
XXXX XXXX, XXXX I had a house fire it was a total loss. XXXX was my hazard insurance and I had an old policy which XXXX paid out in full to rebuild my house. My mortgage is with XXXX Chase Bank so the insurance checks was paid into XXXX Chase Banks insurance claims department. I should have been in my house no later than XXXX XXXX, my slightly less than a year from the fire. My contractor is excellent, XXXX was excellent. The problem lies with Chase not wanting to release the funds that belong to me to rebuild my house. XXXX XXXX my contractor was owed {$71000.00}, I requested the funds and Chase sent me a check for {$10000.00}. Here it was XX/XX/XXXX and the contractor 's subs were owed, it took Chase until XX/XX/XXXX to pay the balance even though the funds were siting in escrow, I threatened with a possible law suit. I am displaced and now am 8 months beyond the time I was should have been back in my house. Chase stated that the build out is reported at XXXX % and have denied my requests because it is stated that for further payment it must be at XXXX %. Without further draws my contractor is being kept from reaching the XXXX %, he must have a further payout to proceed. I will NEVER get back into my house without further funds being released ASAP. My contractor needs the funds for sheetrock and all of the goods needed to start on the finish work. Without the payout my contractor ca n't proceed and Chase is keeping me displaced. The message from Chase to me is, " XXXX XXXX you will never be back in your house. Your build out is at XXXX % and will eternally remain there because we are not going to give you another dime of your insurance money, so you can complete the process of rebuilding you house as your insurance company intended you to do with the funds from your hazard policy, because our policies are in place so we can use your money regardless of why you received it. '' My storage bills continue to mount up and I am getting to the end of my rope. My personal costs are escalating because of the unnecessary delays. In the end I may actually have to consider suing for financial and emotional damages. I am now taking valium for the stress so I do n't have a pervious breakdown.
NationStar had completed all the refinancing paperwork, then abruptly cancelled my loan application because of a supposed tax lien that goes back to 2006. There is NO current tax liens. I told the NationStar representative, XXXX, to call the supposed beneficiary. 
NationStar refinanced my house in XX/XX/2011- well after these tax loans had been paid off. There were NO Title problems then and there are none now. 
I am contending that NationStar chose to cancel my loan because interest rates had risen. NationStar is just as greedy as every other company in your business.
On XX/XX/2018 freedom mortgage asked me to remove verbiage on all three credits reporting agencies, after I was approved and in underwriting. The the result was my score dropping more than 50 points and they informed me that I would no longer be qualified at the locked in rate and I could not look elsewhere due to my score dropping. This seems predatory as I was locked in at the rate upon agreement. And they had me ruin my score as to get an unfavorable rate
My mother has XXXX and is XXXX years old making it difficult for her to get around when she is not hospitalized. A few years back we went to a branch and had my name added to her passbook savings account in case of situations like this. I had no reason to go since then, until now, but when I went, the bank had mixed someone else 's information with my name on the account and it would be difficult to straighten it out without my mother. In the interim we went and had power of attorney documents notarized for me. However when I went to the bank, they stated they still need to investigate since my information did not match and eventually when my mom was permitted to travel ( she is currently in a XXXX ) by the doctor, we went to the branch near the XXXX, there they suggested she come in while she was out. The lady there said she would simply delete the incorrect information on the account for me. When she did this she put my correct information in and the " XXXX '' they use for new accounts rejected me because of low score, but they still will not honor the power of attorney document. This is a legal document and allows me to represent my mother and I see no reason why they can not abide by this.
I send a copy of XXXX XXXX, XXXX credit report online today an notice a negative collection account by LVNV FUNDING, LLC., for {$110.00}. I never received any notice from this company about the alleged debt or my right to request validation.
I went to close my BBva checking account XX/XX/2018 I sat for twenty minutes while XXXX at the XXXX branch stared a a computer screen which was supposedly loading slow. He says he closed the account and refunded me the {$6.00} cents in the account. He then tells me he can't close the account until the pending transactions clear. The pending transactions were less than XXXX dollars. He warns me not to use the debit card and I leave. I am reading my email XX/XX/2018 that they paid a debit that I haven't had transferred yet knowing I had XXXX balance in the account. The debt was XXXX plus XXXX dollars NEF fee. I had opted out of overdraft when I got the account but they kept paying after I told them several times not to do it. I refuse to pay a debit to s closed account. I did not give them authorization to pay it
I own my home through Freedom Mortgage XXXX XXXX XXXX and have since 2007. I am experiencing a hardship with paying my mortgage, presently. I have reached out to Freedom to try and gain resolution to my problem to no avail. In XXXX, I reached out to Freedom to perhaps refinance at a lower interest rate and was handled so unprofessional and rudely, getting nowhere, but further behind. I have depleted ALL finances available and still have no help from Freedom. Freedom has no resolution steps for people who experience the unfortunate situation as me and I regret having them as my mortgage company. I have been a loyal customer since 2007 and feel there should be something in place for times like this.
I filed bankruptcy in 2013, and added Advance America in the case and they continue to contact me threating to take action against me if I do not pay them.
capital one closed my account with no phone call, no letter, and no email notice. I go to make my online payments and it says restricted. I call in and its states closed. The rep said due to an NSF history on 1 card they closed all 3 accounts. I have had these cards for years and was not aware of this policy. And they didnt attempt to call to advise me. I got no warning in the mail. I didnt even know they were closed until I call on XX/XX/18, The day before XXXX. I dont think its right that they dont give you a warning or notice that this could occur. This has messed up my credit attempting to get a house and I was getting a bonus check to pay all XXXX cards off on XX/XX/2018. We were just advised that on XXXX XXXX. I believe these practices are unfair as you get a notice about everything else, but this. This is something crucial and affects peoples credit and life. Now my credit is ruin.
Caller called at  XXXX   XXXX   XXXX   2017  and refused to identify self despite repeated requests. Caller was informed that she was calling a business phone and told to make no further telephone calls. Caller called agai n at XXXX  on   XXXX   XXXX ,    2017  and would not properly identify self and was reminded that this call was in violation of the  Fair Debt Collections Practices Act. I finally requested to speak with a superviso r and informed supervisor of facts previously stated. Supervisor still insisted in trying to discuss this matter on the phone despite being informed that all communication must be in writing due to the number called being a business phone. Supervisor then threatened legal action without providing information on alleged debt in writing as I had stated must be received. I was then forced to once again remind the caller/supervisor that she was violating several subsections of th e Fair Debt Collections Practices Act .
A relative recommended that I contact Global Client Solutions to settle two credit card accounts totaling XXXX. I am XXXX years and don't speak or understand English. When I called Global Client Solutions ( on XX/XX/XXXX ), someone set up a payment plan for the two credit card accounts. I thought that they would be paid off within 4 years. They told me to pay {$280.00} each month, and a bank debit process was done. I was mailed an Account Agreement and Application form, which was in English. There were instructions to sign where the arrow was on each document. I made payments from XX/XX/XXXX through XX/XX/XXXX. I paid {$2200.00} during that time. On XX/XX/XXXX Global Client Solutions mailed me an Account Activity Statement. Looking over that statement, I came to realize that my account balance is only {$450.00}, with no money being paid to the two credicat card accounts. The rest of my deposits went to " customer and transaction fees ''. I believe that I was taken advantage of because of my language and age. I would not have agreed to this if I understood that I'd be paying over {$200.00} in monthly fees with nothing being done to settle my debts. My only income is from Social Security, and I live in subsidized housing.
Good morning, I applied for a mortgage with XXXX XXXX. When they pulled my credit report, there is many credit card company mentionned many times. I would like to ask you if CFPB could help erase XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX in my credit report because they block me to get a loan. I used to pay XXXX XXXX XXXX XXXX dollars monthly to relieve my debts. 

I attached the 2 pages of the Credit Report and the letter I received from CFBP. 

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