WillisBack/dataset-financial-user-claim huggingface dataset:
This is related to Select Portfolio Servicing , Inc. and XXXX XXXX. In XXXX my wife and i took out a HE Loan with XXXX XXXX ( XXXX ). On XX/XX/XXXX and XXXX XXXX, My wife and I signed documents related to a First Lien deed of trust for the home equity loan with XXXX XXXX. I cant explain why this was done twice or for what purpose, but the fact is both were filed in XXXX County, TX. I have paid my loan as agreed, then, around XXXX of XXXX, XXXX sold my loan to SPS, Inc.  There is a transfer of lien filed at the county that reflects this. The transfer references the loan #, but only references one of the instruments or liens that was filed. I paid my loan off in XXXX and received a release of lien from SPS for the lien they assumed from XXXX, the FLDT dated XX/XX/XXXX. I went to apply for a home equity about a month ago and was told there was still a lien filed with the county ; the lien filed on XX/XX/XXXX by XXXX. I am being told by SPS Servicing , Inc. that they can not release the lien dated XX/XX/XXXX as it was never transferred to their name, and they are not the lien holder. I told SPS the lien they assumed was invalid, as there was already a FLDT filed at the county, and one could argue that any payments i made to them were done so without a proper lien. I explained that I felt it would be in their best interest to help resolve this matter. They stated they had done all they could do. I can not contact XXXX XXXX other than by mail, which i have done as of today. In this day, with all the access to technology we have, it is unreasonable for them to not have a means by which a customer can contact them other than by mail. I would appreciate your help resolving of this matter.
I have a USAA checking account. I recently made some bill payments which caused my account to be overdrawn but the overdraft should have been covered by my linked USAA credit card. At the time the payments were presented, there was a {$22000.00} CREDIT balance in my credit card account, i.e., USAA owed ME {$22000.00} in addition to the {$9000.00} credit limit available on the credit card account. Despite this, XXXX payments were returned and I was charged returned payment fees totaling over {$100.00} by both USAA and the recipient of the payments.
A car was purchased using my personal information while I was under wage earner. My drivers license number is  XXXX . It have been stolen. My social security number stolen the spelling of my name was  XXXX   XXXX   XXXX  in the court. My address was  XXXX   XXXX   XXXX   XXXX , TN  XXXX . I was suppose to be protected under wage earner.
On XXXX/XXXX/2015 XXXX/Credo ( XXXX XXXX XXXX made an inquiry of my credit file with XXXX without my concent
I have consistently disputed my account status with XXXX AND EQUIFAX AND XXXX, but my issue still have n't been revolved. It is showing that I have missed XXXX payments and that is incorrect. I just talked to XXXX on XXXX/XXXX/2017 at XXXX and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.
X/XX/2017 : filed a complaint with CFPB X/X/2017 : ProCollect is contacting me directly at my personal number. I provided proof that I do not owe the debt X/2017 directly to ProCollect. ProCollect should be contacting me through my attorney but are instead harassing me at my personal number and claiming I gave fake information for my Attorney.
XXXX XXXX XXXX XXXX  XXXX has been stalking me. They call my house and cell and say theyre going to contact my job or they have. Im in maternity leave. Its a Robo call threatening to sue me and find me at my job. I finally called them back last week and spoke to a XXXX XXXX. She said look for your documents in the mail our records say otherwise when I said I dont owe anyone. She said I owe CitiBank. Ive never done business w them. I asked for the company name and she gave it. I asked for a mailing address and she refused. 

Today!!! They called again so I called Citibank directly. They have no record of me using my social ( as I expected ). They told me not to give out any info Bc its probably a scam. 

My issue is I want them to STOP calling me. The number they leave is XXXX. The case number they leave is XXXX.
I have requested verification and validation from this company and they refuse to provide. I allegedly have XXXX accounts with them XXXX for XXXX the other for XXXX. They removed this from my other XXXX bureaus but still continue to report this debt on my equifax credit report and this needs to be removed. The last XXXX of my social are XXXX and my date of birth is XXXX/XXXX/1988. Shows the original creditor is XXXX XXXX. I DO NOT owe this debt and this debt.
I was never seen in a room. I had XXXX in XXXX places, and they sent me to the medical clinic across the street. I only registered there then was told to go across street to clinic. Dr. did terrible job, .I might of had a XXXX but not XXXX in one day. My husband was with me he should be responsible if anyone.
XXXX XXXX XXXX XXXX XXXX is reporting incorrect information on my credit report just because my maiden name was XXXX.. That does not mean this debt belongs to me and I have requested on 3 occasion to have this information removed from XXXX XXXX and Experian, these accounts were previously deleted because another collection agency was reporting in error also(XXXX XXXX XXXX) and the debt was not able to be validated because I did not recieve these service, There was an apartment in my name in another city that I am fighting because I did not authorize nor does it match my social so I filed a Identity Theft report with the federal trade commission and REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CREDIT FILE.

COLLECTIONS
XXXX XXXX
Opened XX/XX/XXXX-
$XX/XX/XXXX
Original creditor: XXXX XXXX Overview
You've paid off 0% of your collection amount.
Balance
$XXXX 
Highest Balance
$XXXX
Opened
XX/XX/XXXX (3 mos)
Account status
Open
Type
--
Responsibility
Individual
Remarks
Consumer disputes - reinvestigation in progress
Original Creditor Name
XXXX XXXX See an error?
You could dispute an error with XXXX.

GO TO XXXX
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX
OpenedXX/XX/XXXX-
$XX/XX/XXXX
Original creditor: XXXX XXXX
Overview
You've paid off 2% of your collection amount.
Balance
$XXXX 
Highest Balance
$XXXX
Opened
XX/XX/XXXX (2 mos)
Account status
Open
Type
--
Responsibility
Individual
Remarks
Consumer disputes - reinvestigation in progress
Original Creditor Name
XXXX XXXX See an error?
You could dispute an error with XXXX.

GO TO XXXX
Creditor Information
XXXX XXXX XXXX XXXX

Certified
Opened XX/XX/XXXX
-
$XXXX
Original creditor: XXXX XXXX XXXX XXXX
Overview
You've paid off 0% of your collection amount.
Balance
$XXXX
Highest Balance
$XXXX
Opened
XX/XX/XXXX (4 yrs, 9 mos)
Account status
Open
Type
--
Responsibility
Joint
Remarks
Consumer disputes - reinvestigation in progress
Original Creditor Name
XXXX XXXX XXXX XXXX 
See an error?
You could dispute an error with XXXX 

GO TO XXXX
Creditor Information
XXXX XXXX XXXX 
the collection agency said he did receive my identity theft report from the federal trade commission see email
On Wednesday, XX/XX/XXXX XXXX XXXX, XXXX XXXX  wrote:


I got it.

Thank you,
XXXX XXXX XXXX
Collection Manager
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an attempt to collect a debt and any information obtained will be used for that purpose.

This message and its attachments may contain confidential and/or legally-sensitive information that is intended for the sole use of the addressee(s). Any unauthorized review, use, disclosure, or distribution of the information contained in this message and its attachments is prohibited. If you have received this message or any of its attachments in error, please destroy all originals and copies of the same and notify the sender immediately.


-----Original Message-----
From: XXXX XXXX  [XXXX] 
Sent: Wednesday,XX/XX/XXXXXXXX XXXX
To: 'XXXX XXXX XXXX XXXX XXXX Subject: RE: Out of Office Alert

Please acknowledge you received my fax
CitiBank. I have tried to settle an old debt. They indicated that the account was to old, that it had passed the statue of limitations. I sent in multiple payments trying to open the account back up as indicated. They never opened the account back up so I could negotiate a settlement. They then sent a letter indicating that they charged off the account. They continue to report this to the credit bureaus.
There is a collection that just appeared on my credit file that is unknown and I believe does n't belong to me. I need to have this matter resolved ASAP. I sent in a dispute but nothing received back. 

Harvard Collection # XXXX for {$140.00} Please help
Mid America out of XXXX MO is calling me repeatedly at my place of employment. They also call my personal cell at all hours of the day including late at night. No information has been received in writing from this business.
XXXX XXXX XXXX has reported on my credit report for XX/XX/XXXX that I had 3 payments 30 or more days past due this information was and is incorrect i have sent numerous letters and responses to them asking for information regarding this reporting the bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the XXXX XXXX XXXX numerous document showing past mistake of my payment that were misapplied by thier associates yet they still will not correct my credit report the XXXX XXXX XXXX has the wrong infor mation on my payment, balance last payments amount made & ect i have recently sent them a letter ( This is the exact letter ) and other information im having problems with the problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting XXXX XXXX XXXX Address XXXX XXXX fl XXXX City XXXX XXXX FL Zip Code XXXX Regarding Account Number ( Blank ) & Account Number ( Blank ) I ( blank ) on this XX/XX/XXXX Day of XX/XX/XXXX do hereby request a complete copy of my payment history from XX/XX/XXXX to XX/XX/XXXX this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these account s after due date. I ( Blank ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made ( Ex Check Cash Mo ect. ) Please Mail this information ASAP
Equifax continues to report information on my credit file thats was submitted with an Identity theft report and a police report case number. 

It has been over a month since submitting the documents to Equifax and have not blocked the fraudulent accounts. 

Police case # XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Carrington Mortgage has dragged its feat and unnecessarily delaying the processing of XXXX XXXX ' application seeking to modify her FHA loan, thereby damaging XXXX and XXXX XXXX. 

Carrington has taken more than 6 months to evaluate this application with a seemingly qualified borrower, but has utterly failed to communicate and to consider this request for mortgage assistance in good faith. 

Carrington Mortgage has failed to live up to its covenenant of good faith and fair dealing by failing to consider and evaluate XXXX and XXXX XXXX for a loan modification for their FHA loan, thereby violating the FHA Mortgage Servicing guidelines. 

The subject property address is as follows : Property AddressXXXX XXXX XXXX XXXX , OH XXXX
I tried telling whoever they my be that it's not me. I have never held a job or not paid my bills. I am neigh targeted for some unknown reason and I in no way can pay this.
Citi bank hold about {$28000.00} of my private loan debt. I have paid them online every month and have not defaulted ever. 

on friday XX/XX/XXXX I got a letter in the mail that was a XXXX tax forum claiming that about {$16000.00} of my debt was cancelled in XX/XX/XXXX. when I called I was told they sent one for my XXXX loan as well. So right now the government things I have has about {$28000.00} of debt cancelled and expects me to file it as part of my income, BUT it has n't been discharged and I have been paying it the entire time. 

When I tried to talk to them about it they would only tell me that the documents were an error. they gave me no information about how they were going to fix it, what will happen with my taxes or WHY this happened in the first place.
We have sent in the entire short sale packet to Wells Fargo including the offer as of XX/XX/XXXX. The negotiator actually acknowledged the file being complete as of XX/XX/XXXX. Then we received a letter from the Homeowner stating that Wells Fargo is foreclosing on his house on XX/XX/XXXX. We have actually been sending short sale documents ( homeowner 's documents ) to Wells Fargo since XX/XX/XXXX but recently got an offer in XXXX. The offer was acknowledged and we are actually undergoing a value dispute review at the moment which we were told, could take up to 10 business days to complete, so it is completely strange that Wells Fargo would put a foreclosure date less than 37 days before the date they assigned and then sent the letter to the Homeowner less than 30 days before the foreclosure date. We were told by Wells Fargo that they can't help us postponing the foreclosure date despite the fact that we are in the middle of short sale negotiations and to reach out to the Foreclosure attorney. Knowing that this is not how foreclosure processes work, we are appealing to CFPB in order to assist in postponing the foreclosure date. On top of this, the homeowner is dealing with a very hostile tenant and is undergoing a difficult tenant-landlord situation.
In XX/XX/XXXX I recieved a phone call from a 3rd party servicer called Student loan support center.On XX/XX/XXXX I made my first payment of {$59.00}. We made an agreement that every two weeks until XX/XX/XXXX i would pay them {$59.00} and these funds would go toward my student loans to get it out of default. They failed to mention that this was a service charge.
My Bank of America credit card was closed on early this year because I was not making my payments. I contacted Bank of America through letters stating that I was going through a  financial hardship and they still closed my account as well as keeping 4 late payments on my account. For the months of XX/XX/XXXX to XX/XX/XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with Bank of American since XX/XX/XXXX. For them to close my account and not waive my 4 late payments knowing that I was going through a financial hardship is not great customer service but terrible.
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these inquiries be completely removed and blocked from my credit file.
I paid my mortgage in XX/XX/XXXX online. I found out in XX/XX/XXXX that the payment had not been processed when going online to schedule my payment for XX/XX/XXXX. I immediately remade the payment for XX/XX/XXXX. I then made another payment for the month of XX/XX/XXXX. My credit report has been reported late for XX/XX/XXXX even though I scheduled it in XX/XX/XXXX. For some reason Mr. Cooper did not process the payment. I have emailed and called them to resolve the issue as well as notifying the credit reporting agencies but Mr. Cooper has not helped resolve the issue. 

Secondly I have now been forced into loan modification. Apparently although my payment for XX/XX/XXXX was a full payment I have only been credited a modification amount with the rest of my payment being " unapplied funds ''. I did not request a modification at any time. The online system is FORCING me now to make lower payments as a modified payment. I did not request nor want this. My mortgage is current. Therefore I should not be unwillingly forced into a loan modification payment because of Mr. Cooper 's error in not processing my XX/XX/XXXX payment properly. 

I have attached the statement from Mr. Cooper for the payments for the past 12 months. The XX/XX/XXXX payment was scheduled in XX/XX/XXXX BUT was actually processed on XX/XX/XXXX after I remade the payment for the second time after learning the payment that was scheduled to come out in XX/XX/XXXX did not process.
Hi this complaint is in reguards to Wells Fargo and there applicability to any freeze they would have ; Stoping me from being able to clai my unclaimed funds ... the imidiate issue is i have added due to me adding an O, to the end of my last name because i was informed by the worker at the original location of where i spent money provided store credit only and a card i could use at there store only ... ... ... .and then when the store which is the XXXX XXXX  ... further upgraded my store credit card to an offical credit card by XXXX, or XXXX   XXXX without my consent and i am without ability to claim the item ... 
All i did as i stated was added an o to the end of my last name ..my social security is tied to the account for Escheatment of all things and i still cant get any answers with ... from there as well as providing a false address due to thats only a trivial gifting card for merchant profit pertaining to that store only ... the reporter is stated Wells Fargo when XXXX is the origial repoter there for the issue is to be handled with them as well by them i need help please ... Exspidite i have a copy of my new just purchased copy of birth certificate ... .. and documentation proof of my statements i will provde. I also have a XXXX Set aside trust that Wells Fargo has a freeze on aswell but just noteing to provide awareness
I opened a Bank of America account with my mother and after reviewing the account it was closed. I deposited {$600.00} into the account on the day we opened it. There were XXXX different deposits. A cash and check deposit XXXX for {$300.00} each. After we were told the account was closed the bank sent us a {$300.00} cashiers check. Confused as to why they would not give us a {$600.00} check we called bank of america 's service center and they told us to go to the bank in person. When we arrived they said they could not refund the check we cashed without a bank statement from the bank the check was from. We came a 3rd time and brought each document they asked for and said that we should call the service center. The banker called and said there was nothing they could do. So she asked for a supervisor but was put on hold for over 1 hr and nothing. Very frustrated that my money is being held illegally.
I have sent Experian over 3 letters to Delete this bankruptcy from my credit report. I asked Experian how they verified this information Experian told me they went to the court to get the information. I contacted a Bankruptcy court to ask if they report to credit bureaus or 3rd party the courts insured to me that they did not report any information. I called Experian to talk to a live person they insured me that they use the XXXX system to verify public records as well as XXXX, XXXX, XXXX XXXX. 
XXXX  Deleted from my report Please delete this from my Experian Report
In my previous dispute with XXXX ( XXXX XXXX XXXX credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX, XX/XX/2018 with XXXX  and XX/XX/2018 with Equifax. 

I recently pulled my credit report and the only bureau that is current is XXXX  ( see attached ). XXXX XXXX XXXX has not updated Equifax since XX/XX/2018 ( see attached ) and XXXX   since XX/XX/2018 ( see attached ). I am again requesting that XXXX Bank ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
I made a purchase to XXXX on XX/XX/XXXX for a T-Shirt with my Bluebird by American Express Card in the amount of XXXX, I did not receive the merchandise. I notified Bluebird about this and filed a dispute for the charges on XX/XX/XXXX. I was advised that if the dispute could not be resolved within 10 day that Bluebird would issue a credit. As of today 's date XX/XX/XXXX the credit still has not me issued. I made a call to them inquiring where my credit was and was advised that if the merchant refuses to issue a credit back to my card then they ca n't help me.
I attempted to call AMEX customer service via phone on XX/XX/XXXX and spoke to a supervisor with no success. 
Amount in dispute as of XX/XX/XXXX is {$5500.00}. 

I received the XXXX 10 % cash back offer on my XXXX XXXX card. I possess numerous Authorized accounts that had the same offer. AMEX allows the primary account holder to add additional members to their accounts. Each new member would receive an unique account number and treated as an additional authorized user. I added the offer to each of additional member 's account and made the eligible purchases and received credits. 

On XX/XX/XXXX, I received 42 emails telling me to expect reversals on those credits that I received. As of XX/XX/XXXX I noticed {$5500.00} in reversals. 

The fine print of the offer states the limit was per card member than primary account holder or " card across all Amex Offer channels ''. 

Members receive a notification email for each qualifying purchase. The email states that " if they meet the terms of the offer, you will have successfully redeemed the offer '' by logic, if terms are met AMEX will issue the credit. AMEX proceeds to issue a credit a few business days after the notification email. The credits would serve as a notification that the member qualified for the said offer. 
Members have no reason to doubt they did not the meet the terms of the offer due AMEX issuing the said credits. 

XX/XX/XXXX AMEX decides to change terms and condition of the offer and processes reversals on all the issued credits almost 3 months later. I consider this a breach of contract.
We got in to a Loan Modification with XXXX XXXX XXXX on property located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XXXX XXXX, 2011 for a fix interest rate of 2 % for the remaning of the note. They sold the note to Bayview loan servicing on and now we are charging us 4 %.