WillisBack/dataset-financial-user-claim huggingface dataset:
New Complaint against Select Portfolio Servicing. We have received a response from XXXX XXXX XXXX XXXX regarding our complaint file # XXXX. A DISPUTE has been filed, and since XXXX XXXX XXXX XXXX has no record of us, or our loan, as to any trust, or by which XXXX XXXX XXXX XXXX has a record for security investors, and XXXX XXXX XXXX XXXX forwards us to the servicer - Select Portfolio Servicing ( SPS ), we hereby file a new complaint against SPS. 
While XXXX XXXX XXXX XXXX claims to be a trustee to certain XXXX trusts, XXXX XXXX XXXX XXXX can not, and does not, state that our loan was in any trust to which they were a trustee. XXXX XXXX XXXX XXXX can not, and does not, state that XXXX XXXX XXXX XXXX, as trustee for certificate holder investors, received payoff of our loan, for the benefit of investors, by us, in year XXXX, as evidenced by our mortgage payoff cancelled check. XXXX XXXX XXXX XXXX can not, and does not, provide a Mortgage Schedule for any trust, that XXXX XXXX XXXX XXXX claims to be a trustee for, by which our mortgage loan is included for cash pass-through to security investors. XXXX XXXX XXXX XXXX can not, and does not, provide any documents in their possession, either as trustee, or in any capacity, by which our mortgage loan is referenced. XXXX XXXX XXXX XXXX can not, and does not, provide a Power of Attorney for Select Portfolio Servicing ( SPS ), or any other entity, to act on their behalf. No Power of Attorney is attached to SPS assignment and discharge, recorded in our County, for SPS to act on behalf of XXXX XXXX XXXX XXXX, for such assignment and discharge recorded in our County Registrar 's Office. Such assignment was recorded in XXXX XXXX, without Power of Attorney from XXXX XXXX XXXX XXXX, by SPS, many years after actual payoff of loan by us - XX/XX/XXXX. XXXX XXXX XXXX Bank can not, and does not, state that any certificate holders/investors to any trust, by which they were trustee for, and, responsible to - by SEC filings for servicer compliance, received payoff of our mortgage payoff proceeds on XXXX XXXX, XXXX - as provided as paid by documents submitted by us. XXXX XXXX XXXX XXXX only refers us to SPS. Thus, it is up to SPS to respond as to what happened to our loan, and to our mortgage payments and payoff. At this, juncture, a referral to the Securities and Exchange Commission is warranted. The CFPB has informed that they do not refer to any other entity other than the Federal Trade Commission. Thus, we request that SPS respond to this complaint so that appropriate action may be undertaken. Not only is title to our home at stake, but, also, investors rights have been discarded, with payoff owed to them diverted, by both XXXX XXXX XXXX XXXX, and SPS. We would appreciate an immediate response. 
Thank you, XXXX and XXXX XXXX
We were contacted by a former neighbor of ours telling us that the current owner of the house we sold to him in XX/XX/XXXX had received a credit card in his mailbox with my name on it. I drove over to my former address and retrieved the credit card. The card was a Chase Signature Visa Amazon rewards card. I had not applied for this card, and was shocked that it was sent to an address I had not lived at for 3 and a half years. I called Chase Bank and a customer service representative told me that they had received an online application for the credit card on XX/XX/XXXX. Again, I did not submit this application. I asked Chase why their computer systems were so poor that they could not recognize the disparity between an old address and a current address. They had no explanation for it. Had the gentleman that bought my former home in XX/XX/XXXX not taken the trouble to alert me, who knows how this problem would have evolved. For now, I have placed a 90 day freeze on my credit activity through XXXX. The Chase representative closed the account and noted the activity as fraudulent. He claimed that the XXXX credit bureau would be notified about this credit event as fraudulent also. Given the depths of the current XXXX bogus account creation scandal by their own employees, I find what Chase Bank did in this case highly questionable. Is it extreme sloppiness, or was it deliberate? Either way, sending out a credit card to an address over three years old is completely unacceptable.
I was treated for XXXX in XX/XX/XXXX and my insurance ( XXXX ) was accepted by the doctor. I paid my co-payments for a total of XXXX-XXXX XXXX visits. 

Some time later there was a dispute between the doctor 's practice and XXXX and apparently the insurance company refused to pay the entire amount. 

The doctor 's office billed me for the difference of {$980.00}. I do not feel that I should not be obligated to pay if the insurance company did not feel the bills were warranted. 

Later, a collection agency ( TSC Accounts Receivable Solutions ) began sending me bills which I continue to disagree with on principle. I formally disputed the claim in XX/XX/XXXX. 

I was recently denied for a credit card application despite the fact that the rest of my credit is pristine. XXXX now shows this bill XXXX and therefore XXXX black marks on an otherwise perfect report. 

I called TSC A/R this morning and requested that they remedy this error. I even offered {$200.00} as a good faith gesture even though this dispute was between XXXX and the Doctor 's practice. 

My perfect credit is important to me, and I need help in setting the record straight.
Collection Consultants of California has unlawfully placed collections under my credit reports for debts that were paid to XXXX though a lawsuit and the court of law. I do not owe nor am I responsible for any debts placed against me as the court of law is handling an accident case which resulted in me being compensated for injuries and and physical damages and all medical expenses were included in the suit and I am not responsible for them. This company has used harassing and aggressive tactics to contact me at nights using robotic machines and leaving voicemails and threats of lawsuits on my cellular phone and on the phones of my family members and I have had to change my cellular number. Please investigate their unlawful collection practices and their unlawful placing of debts on individuals accounts without proper verification or providing any paper work of debts owed. XXXX XXXX is in possession of all legal forms and case numbers filed by my attorney which places this debt in the hands limousine company that caused my injuries. They are insured and have covered the costs with XXXX through a lawsuit judgment. I will challenge and respond until they remove the illegal debts from my name. I will not stop disputing the accounts reported to the bureaus under # XXXX and # XXXX. They are not legally allowed to contact me as well. I will pursue litigation with my attorney if they do not comply. This company is very deceptive and predatory.
I had a loan from capital one auto finance, the address on my lean title does n't match with what been set up online, i unfortunately tried to resolve the issue with capital one auto finance, but they could n't help me, i also have two credit cards ending by XXXX and XXXX, but there is no problem with my address. The only problem occurred when i just want to update my right address :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Both are the same. capital one auto finance had a restriction on there website, not to allow 32 characters, and not to let me also use XXXX XXXX XXXX XXXX XXXX WHICH is less than 32 characters. If this issue never been resolved i will never get my car after paying off the loan to capital one auto finance. the principal original loan was {$32000.00}, with a monthly payment of {$590.00}, payable every thirteen of the month.
A fixed rate XXXX XXXX XXXX ) was refinanced in XXXX for XXXX loan. The servicer of the loan is also expected to make the home owners insurance and property tax payment and it is New York Community Bank, headquartered in XXXX, New York. Servicer address is XXXX XXXX. The servicer increases the monthly balance due using an annual mailing entitled, loan analysis, without providing adequate justification. Specifically, The property taxes have remained between XXXX annual since the inception of the loan and the home owners insurance has increased from approximately $ XXXX XXXX per year, the monthly payments has increased using the annual analysis from approximately XXXX per month to the most recent XXXX during this period. The bank does not provide the requested details showing the method it uses to determine the amount of shortage. The annual increase in monthly payment amounts for the most recent year is XXXX and it exceeds the payments due for the noted variables of insurance and taxes. Accounting for the life of the loan, the accumulated amount would approximately equal ( XXXX X XXXX years= XXXX ) Upon inquiry, I have received a letter dated XXXX/XXXX/XXXX, explaining that as of XXXX XXXX, the loan servicing organization would be XXXX XXXX customer service, with the XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Would you please offer a response that would allow me to address this issue if in your opinion there is matter for me to pursue, including the need for investigation or legal services if necessary. 
Thank you.
I filed a dispute for a transaction dispute. A provisional credit was issued. On XX/XX/XXXX, I spoke to XXXX who advised the merchant responded advising he would refund if it was requested. XXXX requested document showing a refund was requested. On XX/XX/XXXX I faxed 11 pages to XXXX with all documents requested. On XX/XX/XXXX I received a letter stating the provisional credit was reversed. I called and was told the documents were not received. I was told to resend the documents and everything can be reviewed. They confirmed that XXXX was the correct number. Since the morning of XX/XX/XXXX I have attempted to fax around the clock to XXXX, the line is busy. I called on XX/XX/XXXX and was advised that XXXX is an additional fax number.. I am still attempting to fax to both numbers, and both numbers are busy. On yesterday I called and spoke to a supervisor and he says their fax lines are broken. I asked for an email or address so I can XXXX XXXX the documents and was advised the only way I can send documents is by these two non working faxes. They do not have an escalation department or an executive complaint process. My concern is I do not have the means to follow the process needed to resolve my issue. I have one representative assigned and XXXX advised this morning he can not provide her direct extension. I have left her a message on yesterday and I have not received a call back however XXXX advised this morning the representative noted the account to transfer all of my calls to her, but never tried to call me back. This is unfair to the consumer. I am not accruing interest on a balance I feel I do not owe per my accountholder agreement and I am doing everything in my power to send the supporting documents to prove this to no avail. I need help! I can not imagine that I am the only consumer experiencing this but I am the one to seek assistance. XXXX is too large of a corporation to operate without the technology to handle a simple dispute.
I have multiple charges against my credit report from a company " PMS '' Progressive Management Systems trying to collect on debts from XXXX Medical Center. I have never been contacted by PMS directly and only know of them through my credit report. They 've not contacted me either through mail or via telephone. I sustained a debilitating injury XXXX in XXXX of XXXX. I filed for XXXX in XXXX, XXXX ( I honestly kept hoping the problem would go away! How dumb was I? ) In XXXX XXXX my XXXX was approved with all charges in relation to my to be paid retroactively. My XXXX was approved retro to XXXX, XXXX. I was then approved for Medicaid at which time it was deemed that any charges concerning XXXX would be paid either through Medicaid or XXXX XXXX XXXX XXXX. All physician appointments XXXX were made due to what ended up XXXX. I was clearly not seeking physician 's expertise for no reason. I had specialists from XXXX that submitted reports to SSI throughout this span of time, informing SSI that my injury was XXXX. I met with an SSI adjudicator XXXX who also made clear my injuries were attenuating, yet it still took two years to get approved. Regardless, I am grateful for the medical approval, but need to assert that any and all charges relative to the XXXX are legally the responsibility of either Medicaid or XXXX XXXX XXXX XXXX. Again, I want to stress how thankful I am for the services that paid for my injuries, but need to hold firm in the fact that all charges from XXXX should be paid by other entities.
Synchrony Bank lowered my available credit on my Mens Warehouse credit card without notice. Went in to purchase some new clothing based on a promotion the Mens Warehouse was running if I used my Mens Warehouse credit card. I have always had over a XXXX limit. I purchased XXXX and ran my card it was denied. Store called Synchrony to find out what the issue was? After waiting over 10 minutes Synchrony ask to speak with me. I told them I always had over XXXX available, but had not used the card in over a year. It had a XXXX balance. Synchrony told me my new credit limit was XXXX. When I asked why they said because my account was flagged for review and my credit history from the credit reporting services was used to make their decision. My average credit score from the big XXXX have my credit score between XXXX-XXXX. 

Again no letter stating that they took this action before hand or any reason or information as to why they did this? 

In researching Synchrony Bank formerly GE Capital many people have the same stories. 

Is there any help you can provide me related to this matter? 

Thanks, XXXX XXXX
XX/XX/18. i filed a dispute with XXXX XXXX XXXX for {$810.00} charge on my account. The bank granted provisional credit but did not restore my credit limit. I sent numerous emails bank and forth trying to get the credit limit restored. The bank representatives have refused to correct credit limit. 

I obtained the credit slip and emailed to XXXX XXXX.   XXXX XXXX  completed dispute onXX/XX/18. 

XX/XX/18- I talked to XXXX an account manager. He told me  dispute was closed on XX/XX/18 and credit limit should systematical update on XX/XX/18. Payments or credits may take up to seven business days to process even though payments and credits are posted online. He refused to correct credit limit
I demand t o see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verif iable proof, you must remove the accounts listed below.I demand the following account be verified or removed :  XXXX   XXXX    XXXX   #  XXXX   XXXX  : Unverified account Beside that, the below information is too old to have in my file, please delete it immediately :  XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX
Capital One is blocking me from enabling external applications ( like XXXX ). I believe that by blocking me from accessing my own financial data, this is unfair.
On XX/XX/XXXX I received an email notification of suspicious activity within my debit/checking account. I contacted Wells Fargo within one hour of receiving the notifications and confirmed fraud had taken place. The fraudster had gained access to my account and attempted to electronically transfer {$1000.00} plus take {$9800.00} from a line of credit. My accounts were closed immediately. I spent 90 minutes on the phone verifying my identity, being interviewed, and receiving instructions that I had to go in to a branch to have new accounts issued, which I did. It is now eight days later and Wells still has not returned the {$1000.00} that was attempted to be transferred out of my checking account. After several phone calls to Wells ( with wait times of over 30 minutes! ), I'm still being told that this process takes at least 10 business days or 2 calendar weeks to " investigate. '' This is ridiculous!! I can understand maybe up to 72 hours, but 2 weeks?!! I don't have an extra {$1000.00} to sit on while they " investigate '' what happened! They were notified with 60 minutes of the attempted transfer and thus NO FUNDS were moved -- this was not a wire transfer but rather an ACH transfer. I understand these are the " rules '' that they have 2 weeks to investigate, but come on, that's a bit excessive. All banks, including Wells, should be  required to be more efficient in their fraud processing because we mere consumers don't have the luxury to have our food and gas money tied up for weeks!!!
To Whom It May Concern : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account with Account Number XXXX. I am not responsible for any charges made to this account. 

Enclosed are copies of of my police report ID numbers from XXXX XXXX Police Department supporting my position. I've tried disputing with Equifax,XX/XX/XXXX and XX/XX/XXXX The credo bureaus remove it, however XXXX XXXX XXXX  continues to report this fraudulent account unto my report.Therefore, I was advised from a staff member at Equifax to deal with the creditors individually to prevent further confusion. Please have them close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. 

I've requested for XXXX XXXX to also send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me. Up to this point, I've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ). 

In addition to support my case, please review the past complaints I've submitted with the bureaus. They continue to say the account is mine but it does not belong to me. They have also not conformed with the Fair Credit Reporting Act. CFPB please review complaint ID numbers : XXXX XXXX CFPB Complaint : XXXX Credit Bureaus Complaint ID : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6.  XXXX Thank you for your assistance.
All 3 credit reporting agencies are reporting fraudulent inquiries on my credit report inwhich through its investigation determined that the accounts wasn't mines and deleted most, all but the inquiries inwhich is brutally affecting my score. My information has been breached with the XXXX breach. I did not authorize these inquiries for neither one of these dates, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
XXXX XXXX XXXX is my lender for solar panels installed at my residence. Initially, the lender was " XXXX XXXX XXXX '' until my loan was transferred/sold to XXXX XXXX. 

Upon switching to XXXX XXXX there was no website or digital access to my loan. All correspondence was done via mail, sending a check from my bank. However XXXX XXXX switched to an online service at sometime in the summer of XX/XX/XXXX. This caused many errors and was apparently a difficult and poorly managed transition. 

My minimum payment was around {$78.00} for a one year grace period per initial contract with the solar manufacturer and XXXX XXXX. After this time period end a new amortization schedule was created making my minimum payment {$280.00}. All of this is fine. However there was also a Federal tax credit for installing solar panels. I received {$4000.00} in a tax refund that I sent in the form of a check to XXXX XXXX. Unfortunately XXXX XXXX lost this check and it was never cashed. Of course I had my bank cancel the check and then payed the minimum payment of {$78.00} for two months, since the {$4000.00} was supposed to have been paid in XX/XX/XXXX. Therefore I paid {$150.00}, which is exactly two months of payments for XX/XX/XXXX and XX/XX/XXXX. This was demonstrated to XXXX XXXX by sending them my bank account statements. 

Spruce Finance started claiming that I missed a payment and is now requiring me to pay two payments of {$280.00} with an additional {$15.00} per month of " late fees. '' They automatically drafted a payment of {$580.00} without my knowledge from my account. I called their XXXX number and spoke to several telecommunications agents that were not helpful in resolving the issue. I sent a fax on XX/XX/XXXX with my bank statements from XX/XX/XXXX and XX/XX/XXXX that shows I made the payments they are saying I missed. I also sent them a copy of the XX/XX/XXXX statement from XXXX XXXX that shows I owed a minimum payment of {$78.00}, pre-amortization. I received correspondence from them saying they received my fax are are again reviewing my account. However they are still saying I owe them {$600.00} in past due amounts. 

I have records from my bank that prove I never missed a payment. These documents have been sent to Spruce Finance and they have acknowledged that they were received. However they have done nothing to fix the problem. I have continued to make the minimum payments of {$280.00}. 

It appears that either Spruce Finance has poor account management, which poses a huge risk to consumers, or they are engaging is criminal practices that effect multiple clients. Essentially, they have skimmed $ XXXX monthly late fees from me when I have never missed a payment. At this point, given their inadequate communication ability, I am not sure I will get this money back. So who is benefiting from the money I have lost? This organization is ready for an external audit to expose their irresponsible and/or criminal practices. 

Thank you.
The original account was with XXXX XXXX XXXX for internet services. I closed the account because I moved in XX/XX/XXXX. I paid all bills ( through auto pay directly out of my account ) and returned the router to the XXXX XXXX location in XXXX. 

I have never received a bill, notification or any other communication from XXXX XXXX. Furthermore, even if there was a debt the account was in autopay and all outstanding balances should have been paid through that. 

I now have a negative report on my XXXX Credit report for {$56.00} owed to XXXX XXXX XXXX as a collection/charge off on behalf of XXXX XXXX XXXX. This began reporting in XX/XX/XXXX to XXXX. I have not received ANY communications from XXXX XXXX XXXX or XXXX XXXX XXXX about any debt or that anything will be sent to the credit bureaus. This is absolutely incorrect and I demand that either XXXX XXXX XXXX or XXXX XXXX XXXX correct this negative information immediately.
Getting called by XXXX after XXXX. A google search determines this is a well known debt collection company. 

I do not answer calls from numbers I do not know. They did not leave a message.