WillisBack/dataset-financial-user-claim huggingface dataset:
Received a letter dated XXXX/XXXX/2015 from Select Portfolio Servicing ( SPS ) stating they received and reviewed a request for loss mitigation assistance and that my account is ineligible for such assistance because a foreclosure sale is set to occur in the next 7 days. 
This is erroneous for several reasons. First, XXXX XXXX XXXX XXXX office ( XXXX XXXX XXXX is the contact ), has been exclusively communicating on my behalf with SPS since approximately XX/XX/XXXX 2015. Second, I nor XXXX Office has submitted a request for loss mitigation assistance to SPS on my behalf. Third, if in fact there was a loss mitigation request sent to SPS, it would have been received by SPS prior to 7 days before the XXXX XXXX scheduled foreclosure date. Last and most important is the fact that numerous correspondence has been sent to SPS over a long period of time attempting to resolve their assertion that they have the authority to service my loan, who owns my loan, that my loan is in default, the absence of missing payments, the delay in posting payments to my account, inaccurate interest rates charges, excessive extraneous charges, forced placed insurance and Up Front Fees ( UFFs ) charged numerous times for loan modification and forbearance requests that were erroneously denied for bogus reasons. 

Further, SPS refuses to respond to my specific questions regarding the validity of my home loan and their authority to service the loan as requested by a Qualified Written Statement ( QWR ) and in accordance with RESPA and Section XXXX ( f ) of the Truth-in-Lending Act, XXXX U.S.C. Section XXXX ( f ) ( XXXX ), which asked SPS provide me with the name, address, and Telephone number of the owner of the Promissory Note signed by me and secured by the deed of trust in my mortgage loan.
We purchased our vehicle XX/XX/XXXX. We called to find out who our finance company was multiple times but the dealership stated the company would send us a payment coupon book and to wait until they did. When we finally got notified of who to pay which was world omni finance they told us we owed two months in payments when we had only owned the vehicle for 1 month. We made our payments work to not be 30 days late but always had to pay at the last minute and carry a balance due to this accounting error. In XX/XX/XXXX we were affected by hurricane Irma. We asked for assistance during our time of need as we could not return to our home and did not have power pr basic necessities. They refused stating they would not provide assistance because our account was less than 6 months old even though a major catastrophe had just occurred. We tried our best to keep up payments which put us almost 3 months behind in XX/XX/XXXX. In XX/XX/XXXX we sacrificed XXXX  for our family to get caught up on payments for the vehicle. They have not been good to deal with or understanding. Being late with no assistance caused a major hit to our credit which put us back financially again.
XXXX/XXXX/16 Consumer Financial Protection Bureau, This is in response to a previous complaint filed with the Consumer Financial Protection Bureau ( Case Number : XXXX ) In this complaint I explained that I was told at the origination of my mortgage that if I paid twice a month it would reduce the number of years that I had to pay from XXXX to XXXX. You can refer to the original complaint noted above for the details. 

I would like to register my extreme dissatisfaction with my response from Wells Fargo as follows : They were required to respond within two weeks. They extended this five times because they were not ready. 

They finally left a message that they had a response and sent me a letter. They made no effort to contact me to explain anything. When I called the person who handled the case she was out for ten days and provided another name. When I called the other name she never returned my call. 

Upon receipt of their letter, they simply said that everything was in order. 

I am confounded that in a complaint such as this that Wells Fargo never interviewed the mortgage broker to find out what his understanding was when he filed the application. 

They indicate 'We were unable to locate any information about bi-monthly payments from when your account was originated. ' The ignorance here is unbelievable. They have been taking bi-monthly payments - how do they think it was set up if it was n't originated at the beginning? 

I am, likewise, confused that they did n't include a copy of the application that I signed because I would like to know where it states that paying twice a month would only yield a shorter mortgage duration by one year. 

They included a Truth-in-Lending statement that was based on a fifteen year mortgage but we contracted for twice a month payments that would reduce the fifteen years - where is there a document that explains this? 

They indicate that Equity Accelerator only would send to Wells Fargo principal in the amount of {$170.00} once a month, not twice a month. Where was this explained? Where did I sign anything indicating that I understood this? 

Their customer service people never documented their files when I called to reflect the end date of the mortgage that I was given. They acknowledge that I called but nothing was documented relative to what they said. What kind of service is this that does n't document the details of a call. 

With every other complaint process that is regulated the complainant is offered a hearing if they disagree - nothing was offered. 

Based on this horrible example of service I can now understand why Wells Fargo has been slammed for their poor service. 

It was a great sacrifice to make payments twice a month and then be told that it only saved one year on the mortgage is inexcusable. 

I am consulting my attorney for the next steps that I plan to initiate. 

XXXX XXXX XXXX Cell XXXX Cc Wells Fargo ( XXXX XXXX )
I was denied credit based on inaccurate information on my credit report. Collectech Diversified has collection report on XXXX and XXXX credit reports.
The Credit Agencies are incorrectly reporting that I was late on my XXXX/XXXX  account. Please help me to remove these inaccurate late payments from my credit profile. I was never 30 days late XX/XX/XXXX or XX/XX/XXXX ; and XX/XX/XXXX.
unknown Inquiries on my credit report. 


Date Filed XX/XX/XXXX Type Credit Unions Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX   XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX   XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Reseller Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, New Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance Companies - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, New Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
I process a payment for rental a car online and card was accepted but when we visit the location they refuse to accept the card and decline the service.
XXXX Bank sent me an XXXX for {$2400.00} a credit card account back in 2014. I added it to my tax return and I thought they would update the balance with the credit bureaus. However I looked at my credit report today and it is still reporting a balance of {$2400.00}. This negative reporting is hindering my credit report and score and I would appreciate it if you investigated this account with XXXX.
I received a first demand notice XX/XX/2016. I called because I have been paying monthly payments as agreed upon. I was told that I was only paying interest and could I get someone to pay off the debt or increase my payments. I am paying as much as I can monthly. I receive penalized early retirement.
On XXXX XXXX, 2016, in XXXX XXXX, MoneyGram accepted funds and I was issued a Moneygram wire for {$2400.00} ( I also paid wire fees of {$110.00} ), to be picked up by me when I later was to travel to XXXX in XXXX. 

However, on XXXX XXXX, I checked the online status of my transfer and discovered that Moneygram had already paid out the money within 24 hours to an unknown third party. I demanded my money in a telephone call to Customer Support on XXXX XXXX, but Moneygram refused to pay me the amount or refund it to me. In violation of Regulation E, Moneygram did no investigation within the time frame required, did not provide any documentation regarding the payment to the unknown party and did not advise me of my right to see relevant documents. 

It is suspected that a fake XXXX landlord, who required and to whom I sent proof of available funds ( only a copy of the receipt but not actual payment ), picked up the wire posing as me. I have no knowledge of who Moneygram actually paid, or their true identity. It is also possible that the Moneygram agent colluded with the con artist. 

Moneygram also failed to investigate the circumstances surrounding the payment or maintain and provide records as required by Paragraph XXXX of its internal rules and by XXXX. More specifically, Moneygram has not presented copies of the payment transaction or the " valid ID '' of the alleged payee as required by the applicable laws. 

Moneygram represents its service to be secure and trustworthy according to the Moneygram website and advertisements, using the boldface buzzwords " peace of mind, '' " send securely, '' " easy to receive, '' " reliable, '' which also point out that the recipient will need to show " a valid photo I.D . '' Moneygram 's internal rules and XXXX XXXX XXXX XXXX ( Paragraphs XXXX and XXXX ) go to great length about how Moneygram avoids fraud and requires valid identity confirmation from all recipients. Although Moneygram has numerous rules applicable to its agents regarding proof of identity, there is no evidence that these rules were followed by Moneygram or its local agent. What identification was presented to their agent? Moneygram has not provided that bit of information. 

According to the Federal Reserve, Reg E protects consumers even when they make mistakes -- even mistakes such as writing their PIN number down in a place where a crook can find it. The Federal Reserve 's staff opinion on Reg E states that " Negligence by the consumer can not be used as the basis for imposing greater liability than is permissible under Regulation E. Thus, consumer behavior that may constitute negligence under state law, such as writing the PIN on a debit card or on a piece of paper kept with the card, does not affect the consumer 's liability for unauthorized transfers. '' So even though I sent a copy of my receipt to the con man, it was still incumbent on Moneygram to follow Reg E, investigate timely, provide records, notify me of my right to see those records, and verify the identity of the person who picked up my money. They failed on all accounts.
I was enrolled for school at XXXX University. At the beginning of the start date I became ill, and was hospitalized. I also had to deal with a XXXX after arriving home. I did n't even start in the school start. I never used their services, did n't get any books, did n't even log on. Their campus logs show that. I explained to student enrollment I was unable to get to a phone during their small window of cancellation sue to being hospitalized. They did n't care, did n't offer nay alternative or ask for proof. because this is a for profit school they did any and everything they could to get almost {$3000.00} from me. I did n't get a service from them. and AGAIN I never logged into their system to start the online courses. I told them I did n't have a job, I am on welfare and the financial aid was the only way I was paying for school. they stated they will continue to call me and ask for me to pay for {$3000.00} knowing I had no way to pay for it. Furthermore, did n't even listen to my valid point that i do not owe this debt.
I spoke to XXXX at FMS Solutions on XXXX/XXXX/2017 at around XXXX. We spoke about the debt I owed and agreed on a set payment plan and I gave her my credit card information. I asked her to confirm her identity as a part of FMS solutions by sending me an email with my login/account information. I was among those that were involved in the OPM data breach and I had to deal with numerous scammers calling mw. She raised her voice and said no because I was going to get an apartment with the letter from the email. Each time I tried to speak, she would interrupt me and her voice would get louder. I noticed that when I first called she did n't say this was an attempt to collect a debt until I asked for an email verifying that this was indeed a legal and safe transaction. Eventually, she kept yelling and I yelled back because she did n't want to hear anything I had to say, she already had a preconceived notion or defense on what I needed the email for. I am only trying to protect my financial information. After, I told her that I would report to her to the CFPB then, she hung up the phone on me. I understand I owe a debt but, this kind of customer service is appalling and uncalled for. I asked for a simple request and attempted to give my reasoning behind the request and could not do so. I do n't think it was fair for her to assume my intentions for seeking the letter were to get an apartment. I really like to keep record of any individual or business that I give my financial information to or share with.
I ordered a copy of my credit report and noticed this company trying to collect on a membership that was canceled. I signed up for a gym membership and realized that I could not afford to continue to pay for something that was not in use. I called up the gym and let them know that I was no longer interested and did not expect to have a problem since I was not under contract. The woman I spoke with told me to come in and cancel and bring a letter stating the reason and I did that. I only visited the gym 2 times during the first month of sign up. This is an unfair and deceptive practice. They can search their records to corroborate information. I will NEVER us XXXX XXXX XXXX again because of this and I plan to advertise my experience. Lastly, I am not sure what information was used to even have them be able to add a debt not owed to my credit file.
Submitted XXXX medical bills, XXXX of which are duplicates of each other. Attempting to collect interest without submitting source of interest charge. Called to point out these issues but was put on hold, then several minutes later directed to call back later.
I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XX/XX/XXXX had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XX/XX/XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for a {$9000.00} charged off account that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.
I had an account with XX/XX/XXXX that I was unaware still had an existing balance. I was made aware when XXXX XXXX reported the balance on my Experian credit report. I confirmed with XX/XX/XXXX that the account was not sold to XXXX XXXX and that they sill owned the account. I agreed to pay the balance of {$960.00} to pay the account in full on XX/XX/XXXX, and I was told that the account would be recalled and XXXX XXXX and removed from my credit. 

On XX/XX/XXXX, when I checked my credit report, I saw that the XX/XX/XXXX collection account was updated to paid in full, and still remained on my credit report. I contacted the CEO of XXXX 's office to get the issue resolved, but I was told that they would no remove the entry, and that the agreement that was made was not going to be fulfilled. 

I contacted the CEO of XXXX 's office again in XX/XX/XXXX, and I was given the same response that XXXX would not fulfill their end of the agreement. I followed-up by calling XXXX customer service again, and I was told that, yes, in fact the account should be recalled and it should be removed from my Experian credit report. I was told this would be completed in 10 business days. I have received no notifications that this action was fulfilled, and the entry still remains on my Experian Credit report as of XX/XX/XXXX. 

I payed the balance in full, all I want XXXX to do is recall the account from XXXX XXXX so that it will be removed from my credit report.
XXXX at XXXX XXXX XXXX and her team failed to review our appraisal and the fact that a repair was needed per the appraiser. Two weeks before closing, her team is telling us that the underwriters are requiring a repair with photos of an issue that was disclosed in the appraisal that was distmissed by XXXX XXXX XXXX. This result is costing us {$800.00} in financial burden and possibly a rent extension on our current apartment of up to {$2000.00} if these repairs delay closing. We are less than 2 weeks away form closing and XXXX And her team refuses to pay for the repair even though XXXXne of her Assistants, XXXX stated that this was their fault. XXXX is saying that it was a mistake but that mistake is costing us. I am looking for a lender credit of {$800.00} to cover the costs of fascia repair.
Dear Sir, Wells Fargo has doubled my mortgage payment and raised my rate and railroaded me to pay taxes and insurance when they had already been paid. 

I have fought them for over a year to correct this with no result. At one point they were going to foreclose on my house. 

Im a XXXX veteran with limited income ; can you help? 

Thanks, XXXX XXXX
Earlier last year after being contacted about an online business opportunity by XXXX XXXX XXXX I ended up paying them. I am unsure exactly how they obtained my information but since that I feel that I have become a target in what has turned out to be a work from home online business scam. I have now paid {$13000.00} in total to these scam companies ( {$8500.00} to XXXX XXXX XXXX ) Between them and their undisclosed partners with absolutely nothing to show for it.So I would like to dispute all charges from XXXX XXXX XXXX done on my Wells Fargo card. They promised to advertise my website so it would increase traffic and sales. All I have got was a few calls from them for a confusing training. I never had any customer visits to my website like they said I would have and did not make a penny either. They did not provide the services that I was led to believe that I paid for. I have been deceptively sold and am formally requesting a refund for the amount paid to them. I tried to resolve directly with them, I sent them certified letters, sent emails and they ignored my requests.I am reaching out to your agency in hopes you can help me get my refund.
I am on a payment plan where my account is automatically debited each month. I called to request a debit be cancelled as due to unforeseen circumstances I can not make the payment this month and the payment will likely bounce and I was told they could not cancel it. I said I thought regulation  E  allowed for this to be cancelled and was told it could not be cancelled since in  XXXX  ( 6 months ago ) I asked for a similar hold. I again mentioned that i can not make the payment and need to cancel it and was told i could not and a  manager  would call me back.
Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the companies, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. You will see in my letters dated XXXX XXXX XXXX and XXXX XXXX XXXX that I have repeatedly made these offers. Fed loan Servicing on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process.
I filed investigation for collection account on my XXXX report for Arbor Professional Solutions. The collection agency failed to respond within 30 days of me requesting validation of the debt. I requested name and address of the original creditor, documentation obtained from the creditor proving that I have a legal obligation to pay, and all notices required by law. The collection agency failed to furnish this information. XXXX failed to remove this information from my credit report when I requested and provided proof the collection agency failed to follow the law.
I had some credit card debt with XXXX XXXX ( XXXX XXXX XXXX ). In XXXX i made payment arrangements for the debt with XXXX XXXX XXXX ( tel. XXXX ). I made monthly payment of {$150.00} until the debt of {$3000.00} was paid inXX/XX/XXXX. The collection company has gone out of business and the debt is still showing on my credit report. It has been very difficult to have it removed. I have the cancelled checks for each payment to the collection agency. 

I received a call from XXXX XXXX of Miller Stark Klein & Associates on the morning of XX/XX/XXXX. She claimed she was calling to setup a hearing for collection of the debt owed to XXXX XXXX. She proceeded to give me all sorts of my own personal information and then an ultimatum of three options : 1. ) Pay a settlement amount of {$1600.00} today 2. ) Pay {$6400.00} over 6 installments paid monthly or 3. ) Setup a hearing and pay {$12000.00}. 

I explained that I had already paid this debt and the circumstances surrounding the loan and she stated that the payments were made to an unauthorized collector. When reviewing the firm online I found a number of complaints about attempted collection of old debt and the tactics the company uses to scare consumers into making payments that may not be warranted. I have filed a complaint with the Attorney General 's offices of both Arizona and North Carolina.
I have called and requested a hardship withdrawal letter from Nationstar mortgage on  XXXX   XXXX . The company told me that the letter would be generated in  2-3 b usiness days and sent to me via postal mail and email. I followed up with phone calls  XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX  asking if the letter had been generated and made available for me to pass along to m y 401 (  k ) account holder so that my payment can be made by  XXXX   XXXX , or I would have to ask for another hardship withdrawal letter for a different amount for the month of  XXXX  or possibly lose my house. The company responded each time to my follow up calls stating that the letter should be generated i n 24  hours and would be available the next day. I called today,  XXXX   XXXX , and the representative is telling me that the letter was n't requested until  XXXX   XXXX . Nationstar seems unmotivated to allowing me to resolve my past due payments and seems as though they would rather my mortgage go into foreclosure.
I have applied for a loan to refinance my student loans with Sofi. There is a provision in the loan documents that states that if I pay the loan off early, they can still charge me the full interest as if I had not paid the loan off early. Is this legal? I have not yet signed the documents. SEE PAGE 4 OF ATTACHED LOAN DOC