WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX, attorneys for Select Portfolio Servicing ( SPS ) have threatened foreclosure of my house see attachments. The CFPB has been clear through amicus briefs, examination procedures and guidelines that when mortgage servicing rights are purchased subsequent to a loan being in default, the Fair Debt Collection Practices Act ( FDCPA ) applies and a non-judicial foreclosure is in clear violation of the FDCPA. A XXXX of my house remains on XXXX stating there was an auction and updates are awaiting. SPS nor their attorneys have been able to provide historical loan records from inception of the loan. Recently, their attorneys sent me a Notice of Rescission of Mortgage Acceleration which supports the fact that a non-judicial foreclosure should not and can not occur. Despite my request for SPS to stop calling me, they continue to call. Please review all attached documents.
I have a unverified account from CBE. I had previously disputed this account. I have never done business with CBE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a signed contract, proof of claim, any documentation for my legal protections and rights to know if in fact this claim can be enforced upon my person.
I have reason to believe that a family member is illegally forwarding my mail to an address that is not mine and is using my accounts to deposit large sums of money into my account without my knowledge. I opened an account with U.S bank back in XXXX to use for my XXXX accounts. I do not know the account number but my social security number is SSN # XXXX My name is XXXX XXXX and XXXX XXXX XXXX XXXX, FL XXXX is the address I had at the time of opening. 

I was under the impression that all accounts where closed under my social security number until I recent received correspondence from U.S Bank notifying me that they where aware that " Usps my change of address '' submitted and will update " My Accounts '' with my new address. I shocked to realized that account where still open under my name. Can you please close all accounts under my name and send every single statement for my account for the past XXXX years as soon XXXX possible. Please send all correspondence to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Applied for what we thought was financing for a loan, ended up being a loan officer who in fact does not work for or at a bank. He ran our credit and claimed he had numerous options for us and made an appointment for us to come see him, we were told to gather tons of financial paperwork that we would need. We went to see him on Tuesday XX/XX/XXXX and after he learned we were a family of XXXX and that my income was from XXXX, he suddenly had no options for us, told us XXXX people was " too many '' and that he couldnt help us. 

I'm not sure what family size or my XXXX  income should be deciding factors on getting a loan. Now since he has run my credit dropping my score down, I will now be required to wait months for my score to bounce back, before I can attempt to apply again.
Equifax should have reported the security breach when they first learned about it instead of leaning on it and seemingly allowing top employees to benefit by delaying the news. It is unacceptable that the data thieves have had access to my and others ' information for such a long amount of time before we were made aware and able to take steps to try to prevent or mitigate any identity theft. They should also have obviously invested more in their cyber security division. Equifax is a credit report that US citizens are forced to use due to the credit-driven nature of our society, and lives are easily ruined by identity theft and the compromising of someone 's credit. Though they are victims as well, they should be held somewhat accountable.
Creditor Elan Financial pulled XXXX separate hard inquires on my credit account for the same application. I had requested a joint account with my spouse, which I understand would draw XXXX hard credit pull on my account and XXXX hard credit pull on my spouses account. There showing that they pulled an " individual '' and " joint '' request which I did NOT request. I requested a joint account ONLY. There should not be XXXX hard credit pulls on my individual account.
A payday loan company got a judgement on me in XXXX in the amount of {$1300.00} which includes court fees and costs. I started paying them back on XXXX/XXXX/XXXX {$50.00} per month through a debt management company. When they were contacted in XXXX XXXX by the debt management company to set up a payment plan they automatically served me with court papers. I got the court date cancelled by filling out a financial statement and proof of needs based assistance. The debt collection company agreed to a temporary payment plan of {$50.00} per  month for 5 months. I upped my payments to XXXX per month in XXXX XXXX like they asked. In XXXX XXXX i received another summons to appear in court. The debt management company called the collection company with me on a 3 way call they stated we were going to court again because I had not completely completed another financial disclosure form that they sent to the debt management company. The debt management company had no records of their request. The debt collector said if i complete the form completely that we wont have to go to court but i will still have to pay them court fees. I have been called at least once per week by the debt management company requesting my bank account information and employer information for the debt collector since XXXX XXXX. I have paid XXXX dollars on this debt over the past year and have XXXX left to pay. The debt management company tells me the collector is charging me interest at 12 %. This is a 6 year old debt. The reason for the court date on the papers i was served is for unpaid debt in the amount of XXXX. I only have XXXX left to pay plus they are now charging me interest. Is this legal? They have not agreed to a payment plan for whatever reason but are cashing my payments. I should not be responsible for added court fees again i am already paying them in the judgement of XXXX
I have been attempting to dispute and resolve this account with Porfolio Recovery for almost 2 years. I have requested ( via certified mail ) validation of the debt. They have not complied with the request, instead sending me basic information, not including proof they purchased this account from XXXX XXXX, not including proof they are legally able to act as a collection agency in RI and not providing dates of the account, dates of delinquency, etc. 

After having no luck I retained Attorney XXXX XXXX ( XXXX ) XXXX to attempt to resolve this collection or to file bankruptcy on my behalf. They refused to speak with the attorney until I signed an Authorization from Portfolio Recovery giving Attorney XXXX permission to speak with them. I did so over 6 weeks ago and Portfolio has refused to commnicate with my attorney 's office. My attorney has left messages over the past 8 weeks and they refuse to discuss this matter with my attorney.

Also, I pulled my credit report and they are incorrectly reporting this account. According to XXXX I opened this account on XX/XX/XXXX ; however, the first delinquency was XX/XX/XXXX, 7 months BEFORE I opened the account. Again, because Portfolio will not respond to my attorney they will not correct this incorrect information.
In XX/XX/XXXX and XX/XX/XXXX I worked with my XXXX XXXX XXXX Navient to agree to terms for a Forbearance. I live in the XXXX and spent much time on the telephone working out these terms. The agreement was that they will automatically deduct {$390.00} per month on the XX/XX/XXXX of each month from XX/XX/XXXX - XX/XX/XXXX, after which we will come to new terms for payment. So far, Navient has deducted the amount on different of each month : XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. This is every three weeks and not on the XXXX of each month. The problem is 1 ) this is not according to the terms of the agreement I made with Navient ; 2 ) this is every 3 weeks, not monthly ; and 3 ) this could cost me fees if my bank balance is overdrawn. Note that I have to wire money internationally from my XXXX checking account in order to get money into a US checking account to make payments. This is going to wreak havoc with my monthly expenses. I have been trying to call Navient for the last two weeks and have been unable to get through to a person. Usually there is a 20 minute wait time, and I can't afford to sit on the telephone for 20 minutes ( paying international rates ) waiting for a representative, not to mention the 10 minute it takes to repeat my information over and over to a robot and then to staff who usually can't help me and have to transfer me to someone else. Today,XX/XX/XXXX, I decided to wait it out and sit on hold, because I need to get this matter resolved. The first time I called, I was on hold for 10 minutes, then was put through to a representative who needed to transfer me to someone who could help me. He did and, in the process, disconnected me. I then called back, sat on hold another 10 minutes, got through to someone else who couldn't help me and transferred me to another representative. By then, I was out of patience at having to repeat my stats and contact information again. I then began explaining what I needed and that I had already been disconnected and could not sit on hold while paying international rates. He hung up on me. I then tried to use Navient 's system to send an email about my issue. I typed all of the above information, clicked on 'SEND ' and received an error message that the system was not working. I need Navient to correct my auto payment details to reflect the agreement that was made regarding withdrawl of payment on my account : XXXX should only be withdrawn from my account on the XX/XX/XXXX of each. This is unbelievable. They are absolutely contemptuous of overseas customers. They have made it literally impossible for me to alert them to the fact that there is a problem - and I will be the one paying for it in overdraft fees, which is absurd since it is Navient who is violation of the terms that they themselves stipulated - terms I have absolutely abided by.
Green Tree Financial calls up to XXXX times a day starting on XX/XX/XXXX. My mortgage was discharged in BK and I am current with my payment. I always make my payment at the end of the month and pay the late fees. The payment is not 30 days past due .Between this number and one other one, I can receive XXXX calls per day.
When checking my credit report, i found that this company is saying that i owe them {$2500.00} i have not taken out no loan or owe this company any money. i want this taken off my report. i will keep sending complaints until this is solved. i will write letters personally if i need too.
On Friday XX/XX/2018, I conducted a conversation with XXXX XXXX XXXX XXXX XXXX XXXX regarding the late fees and interests charges to my account. In speaking with a representative, I was told that my payment was received, however the form of payment was not shown. I explained to the representative that I made a full payment of {$160.00} on XX/XX/2018 putting my account into a XXXX balance owe. This amount was reported by the automated system upon making the payment. The representative was unable to assist any further. I was then transferred to a Supervisor to further discussed my grievance. I repeated what was stated to me by the representative prior. The supervisor then explained he was not certain where the previous representative was looking for this information. He stated when my payment was received and indicated that my balance was {$180.00} and that is what i was responsible to pay. I repeatedly disputed this amount with him stating that its was not the correct amount owed and to further investigate. In which i was told no further result would come of it. We were not able to resolve this matter. I would strongly like an investigation to be done as this is now beginning to affect my credit rating as well as negative reporting due to the companies lack of investigation. Thank You for you time, Ms XXXX XXXX
I had a bad year with my health and the car loan that was due I was in the hos [ pital then I had a XXXX XXXX I called the XXXX XXXX and told them to pick up the car then the last time I made ther payment it was for {$800.00} dollars and that paid off the car then they did not give me a clear titel to m7y car. I will never use XXXX XXXX XXXX XXXX for anything again. I asked them to pick the car up they would not when i could not make payments so In my heart I dont think they have the right to put the missed payments on my recored I paid it off in full even when I could XXXX XXXX XXXX XXXX the car XXXX XXXX
In XX/XX/XXXX XXXX XXXX reported to XXXX   a debt that belongs to a corporation to my personal credit report. I opened a dispute with XXXX   ( Report Number : XXXX ) claiming this debt is not my personal debt. The XXXX XXXX account is a corporate account that was never tied to my personal data and the debt ( which is in dispute ) should not be reported on my personal credit. Furthermore, my personal data ( SS # and/or DOB ) was not used when the XXXX XXXX account was opened in XX/XX/XXXX. I requested XXXX to request XXXX XXXX to provide proof ( in form of documents that clearly display my signature ) and if none provided by XXXX XXXX I requested XXXX to remove the debt from my personal report. There is no documentation linking me personally to a corporate debt and lack of such proof should be be used to remove this negative report from my personal credit report.
Purchased auto - dealer sought credit from XXXX XXXX who denied based on information from XXXX XXXX. The score reported was grossly less than any other credit bureau and was purportedly based on limited history at address ( lived at address 22+ years ), phone ( do not have landline phone, cell phone number for 15 plus years but with two providers ), length of history at this phone ( see above ), length of residence too short ( 22+ years ca n't possibly be too short ), and proportion of satisfactory trades too low ( what the heck is this ). I have never heard of XXXX XXXX and will not share personal information with them to purportedly address these matters. They need to be shut down as they clearly are not taking any meaningful steps in building credit files.
Updated info : Customer provided phone number receiving debt collection calls : XXXX. 

Updated info : I have not had any debts since I paid my mortgage in XX/XX/1993 so the debt is not mine and I have also received letters in the name of XXXX XXXX. I sent the letters back saying that person was not at this address. 

Receiving repeated calls from Dynamic Solutions Recovery Solutions, LLC Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX. They finally left a message today after calling many times over the past several days. I have no debts, unpaid or otherwise and just wish they would stop harassing me for somebody else 's debt.
SN Servicing Corporation is falsely alleging that my husband and I owe {$630000.00} for an alleged mortgage. Notwithstanding the fact that public records and property tax records show there is no mortgage on our property, SN Servicing continues to send monthly billing statements with alleged costs escalating each month. Months ago, my husband and I contacted SN Servicing in or around XXXX XXXX and spoke with XXXX XXXX and XXXX XXXX who claimed to be portfolio managers. When we asked why they were charging us for attorney fees and foreclosure expenses, we were informed that those fees were for XXXX law firm, XXXX [ Note address : XXXX, HI XXXX phone : XXXX XXXX / fax XXXX ] This law firm attempted to foreclose on our property on behalf of XXXX I in XXXX XXXX to XXXX XXXX in the Hawaii XXXX XXXX Court but failed to foreclose. The case was dismissed on XXXX XXXX, XXXX. Now SN Servicing continues charging us foreclosure expenses, alleged mortgage charges, and other expenses including opposing counsels ' attorney fees that we do not owe.
On XXXX XXXX, XXXX I called creditors in regards to some inquiries that were showing on my credit file. I called and spoke with XXXX at XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX and XXXX at XXXX XXXX. And all have basically stated that I have no account for them to send anything to credit bureaus. For me to contact creditor bureaus to have inquiries removed. I explained that credit bureaus instructed me to call creditors for some sort of proof that they are giving permission to remove inquiries. I also called XXXX and left voicemails with XXXX XXXX, and left voicemails at XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX with no return phone calls.
On XX/XX/2018 the aforementioned debt collector called my employer 6 to 7 times during the times of XXXX and XXXX. There have been calls prior to this date. Today XX/XX/XXXX at approximately XXXX, the debt collection agency was told to stop calling place of employment. I was informed by my employer of this called, and that employment was verified. Debt collector stated otherwise to my husband over the phone.
I called this attorney 's office and tried to explain that I know nothing about this nor did I receive anything. He hung up. I tried to call back and no answer. I feel this is a gimmick and unfair collection practice. 

My wife received a phone call from this same attorney a XXXX of months ago about some pay day loan she had and she has not worked for several years. When my wife started to cry because the gentleman kept saying that she owed this money, he said oh do n't cry please. I will have an attorney call you back. No one called back and I called and they hung up on me also. Have not heard from this office again on this particular issue.
I mailed a letter to  XXXX  on  XXXX   XXXX ,    2017  about an unauthorized inquiry on my TransUnion credit report from their company. I asked them to remove the inquiry, and to forward any documents that showed I agreed to apply for a student loan. They sent a letter back dated  XXXX   XXXX ,  2017 , saying I submitted the loan application, but the failed to send me any documents that I did.
I received a Notice of Default and Right to Cure from Select Portfolio Servicing, addressed to me, instead of my attorney, dated XXXX XXXX, 2016, and received on XXXX XXXX,2016. This letter will be furnished to CFPB, upon request. This is Improper Contact, for the THIRD TIME with me ; see Former Complaints to CFPB by me and my attorney. In their last response to CFPB, they stated they would not contact me instead of my attorney. Obviously, they feel they are above Consumer Financial Protection Laws, and fear no consequences. My resolutions to this Complaint is that they, SPS, 1. contacts my attorney, instead of me, and 2. that SPS immediately stops alleging that XXXX XXXX is the Trustee on this fraudulent loan. XXXX XXXX is currently involved in a lawsuit and investigation brought!. by the United States Department of Justice, concerning their fraudulent loans.
Chase incorrectly rebilled a charge for {$4000.00} back onto my account. I submitted a complaint. They responded to me and told me they were looking into it. In the interim, they 've charged me a late fee and over {$150.00} in interest. It 's been a week and a half since I was told they were looking into the issue and I have left several voicemails and send several emails to the person at the Chase Executive Office who  contacted me, and have not heard back at all.
American Express : On XX/XX/XXXX I requested a credit for an overpayment to my card. {$900.00} would be refunded to me by check to be delivered by mail. I chatted with customer service to initiate this : Depute : XXXX On XX/XX/XXXX I had requested an update with American Express about the check being issued. In which they told me an new check can be cut and expedited to me. I made several phone inquiries about the check as well. On XX/XX/XXXX, Amex issued a letter that said that the refund check was cashed. I did not personally cash that check, The check says " pay to the order of ( unreadable name ) '' and a forged signature. 
Posting date of XX/XX/XXXX. Included in the response, was a affidavit of forgery to fill out that I did indeed fill, notarized and sent in. 

Dispute XXXX On XX/XX/XXXX, I called in to see what the situation was with my check, I was assured that the balance will be credited back to me by multiple reps at this point. However, when I called they said they had not received affidavit of forgery. 
In which I had to fill, sign and notarize a 2nd Affidavit of forgery to for my missing money. 

Dispute : XXXX On XX/XX/XXXX I received a message of receipt of my affidavit and that they will investigate. 

Dispute : XXXX XX/XX/XXXX Still no resolution and I've been without {$900.00} for 6 months. 
On XX/XX/XXXX I filed a complaint to the CFPB, and received a form to be sent in to The collections Fraud Packet CFBP Ref No : XXXX-XXXX It filled it, faxed a copy into the stated line, AND sent in the filled packet by certified mail. Received XX/XX/XXXX signed by XXXX XXXX. I believe there was a corresponding case XXXX for it. 
I also resent in a signed affidavit of forgery, for the inquiry. 

On XX/XX/XXXX, I put in an inquiry on the status of the everything. I was told that status wasnt available. Case XXXX On XX/XX/XXXX AFTER the 6th month investigations should have been cleared I called in again, and after about 40minutes worth of hold time total, the service member advised that again, there is no update on any of it. Case : XXXX I have requested to speak with a supervisor on 3 separate occasions including XXXX, all three times I was assured a supervisor would return my call and NONE have been returned. I have failed to be given any resolution on every step of the way, and I have been with out {$900.00} for an entire year, which has been a great financial burden. I request that my account just be immediately be credited for the amount, so I may finally get resolution to an issue Ive been dealing with for over an entire year. Please Help.
I filed a complaint on XX/XX/XXXX in response to a missing on-going extra payment we've been making to reduce Santander 's high interest rate. This has been going on since XXXX. We have been told that they are " escalating the issue ''. Unfortunately, there have been no follow-up calls as promised until today XX/XX/XXXX. I returned the call 60 seconds after it came in. After holding for an extended period of time, I received a voice message that the office was closed. This occurred 3 times -- before closing time. I called the general number. The individual saw who called me and indicated that he was unable to put the call through to the person because " the system wouldn't let him ''.
I disputed an account with SYNCB/HH Gregg with the XXXX major credit bureaus and directly with SYNCB/HH Gregg. The credit bureaus and SYNCB/HH XXXX both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA.