WillisBack/dataset-financial-user-claim huggingface dataset:
I have been making my mortgage payments to Select Portfolio Servicing ( SPS ) on time, and often, ahead of time. My job requires me to travel to different locations for an extended period of time. I will pay the SPS mortgage payments ahead of time. It is not my intent to pay down the principal ahead of the amortization schedule. 
For example, I pay the Month 1, Month 2 and Month 3 payments in the same envelope with three different check. Each check is clearly marked with the month and year that it is to be applied. One will have Month 1, Month 2 and Month 3 dates on each check. SPS will receive the checks and process the Month 1 payment and then apply Month 2 and Month 3 to principal. SPS does this even though the checks and mortgage payment stub are clearly marked! 

I will have to call several times for SPS to correct each error. The payment stub is clearly marked that the payments are for three separate months. In some cases, it is for two months. This is not an isolated incident. This is their standard practice. I called multiple times and the customer service person assured me that they will mark my account to reflect the problem and it wo n't happen again. It happens again and again. 

One alternative is to do ACH debit. I do not trust SPS with an authorization to debit my personal bank. I have no idea how they will use the information. With so many problems with billing, they may take more than required due to an " innocent administrative error ''. 

I am requesting the CFPB intercede here and audit the payment application practices of SPS. I can log on while on the XXXX and see the status of my account. Then I have to call in and complain. I will wait a few weeks and they will fix it. Please see the attached letter from SPS that details the dates this happened. They code it as " Principal Only Payment/Curtail payment ''. The dates are : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX XXXX. 
I pay attention to my statement and also have an XXXX degree in XXXX. I can spot this error. How many innocent people have had to pay late fees because of " administrative errors ''?
after being sent the security note paid in full the bank refuses to give full disclosure on all accounts being dispersed from including what is known as XXXX XXXX XXXX XXXX aka XXXX XXXX roadroad. this was provided in the recent communications with XXXX XXXX XXXX of the funds used to pay for XXXX XXXX XXXX XXXX XXXX Washington XXXX, financial responsibility is to the lender for acceptance of the funds withheld and transferred and fraud {$130000.00}, based on the acceptance of this one Wells Fargo home mortgage and Wells Fargo are 100 % liable for this bonded transaction secured by the indebtness in trust by and through Wells FargoFargo as an example this has happened numerous times to XXXX XXXX and the bank is aware that 's were the disbursement of funds took place a cover up.
XXXX continues to block my dispute of the account listed on my report as National Credit Systems account numnber XXXX. The account is a collection account that is showing as having been included in bankruptcy in XXXX. This is incorrect and XXXX will not let me fix the problem or claim that they have " verified '' the information as correct. They send notices that : " You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute ... '' If XXXX  really did verify the information as being correct, then they would know that this account was not included in bankruptcy as it is listed on my report.
I booked a vacation through XXXX. I had to cancel due to my sister in law being put on life support. I canceled the vacation package from XXXX and my hotel was refunded but not my flight. XXXX stated that I would receive a flight credit. I never received a credit for my flight from XXXX nor the third party airline - XXXX. When I finally got fed up and called both companies I was given the run around. XXXX decided to take away {$270.00} dollar of my flight credit leaving me with {$430.00} dollars. They also charged me {$700.00} for the flight despite me having a receipt showing that the cost of the flight was {$680.00}. I alerted Citi Cards of this matter and they charged me the {$700.00} despite my receipt transaction being {$680.00}. They then said that they could not do anything about my flight credit because I never received any communication, in writing from XXXX. Instead I had to call about my flight credit. This battle involving XXXX and XXXX exceeded my XXXX grade period I had to use the flight therefore all of my flight voucher was forfeited due to the slow process at Citi. Citi has left me, the consumer, with no support in this fraudulent charge for the flight nor any support in {$270.00} being taken away from my flight credit despite what penalties are posted on XXXX.
A formal request for validation of debt and a cease of communication was sent via certified mail with return receipt. However, the company has continued to send mailings and place calls after receiving the letter, but no validation of debt has been provided.
My bank told me On XX/XX/2017 a withdrawal of {$360.00} was made, then on XX/XX/2017 a check of {$700.00} was deposited in a different city also in the same city another withdrawal was made of {$340.00}. I filed a claim stating my debit card was lost and that none of those transactions were made by me. A credit was issued to my account but couple weeks later the credit was reversed. I called the my bank to ask what happen and i was told that it wasnt posible that someone else other than me made those transactions. I just hope that CFPB finds the proper resolution before i have to take legal actions.
I applied to an apartment building in the year XXXX, on XXXX XXXX XXXX in XXXX, CO, that I did n't move into. My information was used by another to set up phone service in the building. I first was notified in XXXX of this, and I resolved the issue with another collection agency. For some reason, they sold the debt to Stellar, the current agency. Stellar reported this collection in XXXX XXXX without ever notifying me that they had even purchased the " debt '', which I believe is illegal. This happened 16 years ago, and I am still being harassed. I have disputed this with all XXXX bureaus and it has been removed from XXXX and XXXX. I want it removed from XXXX as well. Thank you in advance for any assistance - I do appreciate it.
I have been receiving emails starting from XX/XX/XXXX, regarding an unpaid student loan ( account no XXXX ) from ECMC. I have not taken any loan from ECMC. As I contacted ECMC the customer representative confirmed that even though the account is under same name the year of birth and the last 4 digits of SSN do not  match with my credentials. Besides, the loan was taken in XX/XX/XXXX and I have entered USA in XX/XX/XXXX. Hence ECMC promised that I will not receive any email or letter communication from ECMC going forward as this is a case of mistaken identity for debt collection. However, I am still getting mails from ECMC. I contacted ECMC again but it is not getting resolved.
I have received XXXX emails regarding my XXXX payday loan. Each XXXX claims they have received a XXXX of XXXX on my wages XXXX untrue ). They also claim to be a XXXX. XXXX from the XXXX. 

1 ) They misspelled XXXX. 
2 ) They have not tried to contact me by phone or at work. 
3 ) They are claiming I have a warrant and will be arrested.
Try to make house payment and says that loan has been transfered to another company. I have no notification of this. Was a  Prime Lending  loan and now I have no clue who it belongs too.
I have never received any federal student loan to attend any colleges. I have never received any type of billings or notice from any federal student loan stating that I owe for any federal student loans. 
My income taxes from different years tells a different story as to the moneys that has been taken in regards to student loans for which I had thought for the longest time that my income tax check was all being garnish by the state student loan. 
I've received a letter from XXXX  XXXX XXXX stated that I had federal and state student loan mixed up which was not the case at all .... 
These folks have collected over {$12000.00} for federal student loans for which I've never had. The documents enclosed are proof of my claim. 
Respectfully, XXXX XXXX
Hi I recently refi 'd a loan that was previously with Summit Funding. The loan was paid off in XX/XX/XXXX. I believe the exact date of funding was the XX/XX/XXXX. When I call the ecrow department at Summit, I was told that I should received the check by the XX/XX/XXXX. They said they legally have 21 days to refund. If my calculations are corrent the XX/XX/XXXX is much more that 21 days.. I still have n't received the refund. I have called the Summit Funding escrow department several times. Last week I was told that the check was cut on the XX/XX/XXXX and I should have had it by now, I still do n't have it. Called again today and asked to speak to someone in the escrow department as to why I have not received my refund. I am done calling and now would like to place a formal complaint against the company .. Summit Funding has been terrible since we were approved for our XXXX loan in XX/XX/XXXX. Can someone in your office please help us to get our escrow check in the mail? Thanks
I am filing this complaint due to the companies lack of valid debt as well as their refusal to acknowledge a dispute. I contacted this organization on XX/XX/18 at XXXX XXXX to advise them of a dispute in regards to 3 accounts that they allege is owed. Upon advising the company that I am disputing these accounts and that they contact their client to discuss the reasons, I was advised that I need to explain my dispute to the rep or my dispute was not valid. I again advised rep that her personal opinion as to whether or not I have a valid dispute is irrelevant and all she is being advised to do is Dispute the account accordingly. She refused to do so. I then advised company that they no longer are to contact me via phone or mail at which time again I am advised that they do not need to acknowledge my dispute or demand they cease and desist and I need to send them something. Since they are refusing adamantly to address their improper records for 3 accounts that are disputed this complaint is being filed. Hopefully this company and its employees will correct their incorrect demands as well as cease from ever contacting me in any form whether phone, mail, email or any other methods. I will also demand that no negative marks be placed with the credit bureaus due to this companies erroneous and frivolous accounts or a lawsuit will be filed due to violations of FDCPA as well as FCRA requirements.
Representatives was discussing my account with another person while being unaware that my voicemail was recording. Representative stated my name, when I opened my account, the status, and said that I stole everything. Representative never addressed me on the voicemail communicated that they are attempting to collect a debt. Once the representative realized that my phone was recording she disconnected the call.
I started repaying my {$24000.00} XXXX in early XXXX. I even made a XXXX time {$5000.00} payment in XXXX. The balance is not going down, in fact going up. When I asked Navient for a supervisor they always said 'no supervisor is available. Last month I finally called the XXXX and they referred me to a Navient XXXX line. All I got from them is a listing of payments both principle and interest, and accredue interest ( and that document clearing shows my {$5000.00} was misapplied ). Still no help. I have been repaying for 20 years now, and as of today, XXXX, my student loan balance is {$25000.00}. Something is wrong and I need help. I attended and received loans at : XXXX XXXX XXXX, XXXX, and XXXX. I graduated in XXXX of XXXX, and with all of my payments AND the {$5000.00} XXXX payment, the balance is more than what I originally started with. Again with 20 years after graduation!!!!
We have a new mortgage with Freedom Mortgage. Payments after the XXXX  of each month are late. Our regular payment is {$970.00}. On XX/XX/XXXXI did a search for " Freedom Mortgage payments ''. I clicked on the link that said " Freedom Mortgage : Login, Bill Pay, Customer Service ''. The Freedom Mortgage logo showed up with the word 'payment ' to the right of the logo. I clicked 'payment ' and proceeded to process a payment for {$970.00}, a little more. Today, XX/XX/XXXX I got a call from Freedom Mortgage stating we had not made our payment. Shocked, I began to research what happened. After several calls to Freedom Mortgage I got a Customer Service Rep that admitted there is a third party, XXXX, that takes payments for Freedom but stated that XXXX is not authorized by Freedom. So I asked, " then why do you allow them to use your logo!? '' I got the repeated answer, " we do not authorize them to take payments for us ''. Same question, " then why do you allow them to use your logo ''!? I asked for the legal department to which I was told they do not take incoming complaints but that I can send an email to XXXX. I will be sending that email when I finish this but I am quite upset. If Freedom Mortgage is aware that XXXX   is using their logo to take monies for them then why is me, as a Freedom Mortgage customer not made aware that this is happening in advance not after my payment is taken! I just found out that these payments do reach Freedom Mortgage but late! Its not right!
XXXX XXXX XXXX XXXX XXXX is misrepresenting the date of default to XXXX in order to bypass the 7 year limitations period for reporting derogatory information. 

The date of first default was XXXX because the promissory note clearly states default occurs when a Bankruptcy proceeding is initiated by me. ( Page XXXX Paragraph I ( XXXX ) ). 

I filed Chapter XXXX Bankruptcy of XX/XX/2008 and included this alleged debt in the matrix of creditors. The creditor was served ( See service of process ) and a discharge was ordered on XX/XX/2008 ( see discharge order ). XXXX did not object to the discharge order. 

Finally, this note was falsely labeled by JP Morgan Chase as an educational loan but I was not a student when the loan was issued. I was in the hospital and no longer enrolled at the University XXXX. Furthermore, the University XXXX failed to certify the loan, and the check was not made out to the University XXXX. The interest rate was over 20 %, and required a cosigner. 

I never made a payment on this account. The only payments made were by my grandmother. The debt collector was extremely abusive, calling my grandmother several times per day demanding {$100.00} payments and increases in payments, even while she was in XXXX. She was XXXX when this debt collector continued to harass her by calling frequently to obtain additional payments before her death. 

The loan 's proceeds were used for gambling and other personal expenses. I was not a student and the loan was falsely certified.
I am writing to you concerning the fraud float activity by the company Pay Pal. The account in question involves attempting to transfer funds from the Pal Pay Account XXXX to the confirmed bank account XXXX . On XX/XX/2017 I attempted to transfer a total of {$870.00} in funds to the confirmed bank account. Only {$1.00} was transferred although Pay Pal removed all {$870.00} out of the Pay Pal account. The company is illegality floating on these missing funds and I suspect tens of thousands of other consumers and they need to be fined. I demand {$870.00} in funds be credit immediately to the confirmed bank account or returned to the pay pal account. If this does not occur within 5 days of this letter I further demand an additional {$870.00} in delayed processing damages. 


Transfer Deposit XX/XX/2017 - Transaction ID : XXXX - {$1.00} completed transfer XX/XX/XXXX Transfer Deposit XX/XX/2017 - Transaction ID : XXXX - {$1.00} missing Transfer Deposit XX/XX/2017 - Transaction ID : XXXX - {$1.00} missing Transfer Deposit XX/XX/2017 - Transaction ID : XXXX - {$870.00} missing Total transfer {$1.00} Total missing funds {$870.00}
I notified Ocwen that my property taxes and my insurance had both been changed ( lowered ). They were provided with the necessary documentation from both the new insurance company, which they have already paid and the formation from XXXX that my property taxes were lowered. They are refusing to update my information and sending me new escrow estimation so that my payments reflect the changes. The county sent them notification of my tax decrease in XXXX yet in XXXX they sent me an estimate of escrow with the old information. I have spoken with both their escrow and insurance departments and they both agree they have received the updated information. I have contacted them every week since I recieved their escrow estimate in XXXX and am being told that they will correct the problem in XXXX business days but today is XXXX XXXX and it has n't been corrected yet. 

I keep getting phone calls from them asking if I have received a refund from my old insurance company and to send them the refund. I was also charged a {$100.00} fee for something they say my old mortgage company charged however, I have called the old lender and they say they have no record of a {$100.00} fee. 

I am XXXX years old and live on a small fixed income. I feel that they are trying to take advantage due to my age. I ca n't afford to give them monies that are not due them and would appreciate your help in getting this matter resolved in a timely manner!
On  XX/XX/XXXX  and  XX/XX/XXXX  I sent Dispute letters re : {$2200.00} to Nationstar Mortgage, LLC. The amount disputed, p er N. Star on my   Payoff Quote, was  for interest calculated from  XX/XX/XXXX  to  XX/XX/XXXX . I provided them with " Proof of Payments '' from my bank for period of time Nationstar claims they did not receive Interest.     On  XX/XX/XXXX  I was under contract to close the sale and was forced to pay {$2200.00} to Nationstar or I faced breach of contract, with my buyer by not closing on time.     I requested in said letter, tha t Nationstar Refund the  interest charged incorrectly or provide me with Proof and Payment History, that they were correct in charging the above amount.
I requested a credit investigation on XX/XX/XXXX More than 60 days have passed, and I have not received responses yet.
On or about  XXXX / XXXX / XXXX   XXXX   XXXX  reported  XXXX  student loan as 'unpaid balance charged off '. On other dates listed in credit file number  XXXX  included the same account numbers listed as "  XXXX  '' address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  SD reported account numbers  XXXX  as date opened of  XXXX . Changed to another account number by   XXXX   XXXX   On other previous occassions  XXXX   XXXX   XXXX  reported 90 day past due marks on credit account. All of which where erroneous.  1 ) Reported payment history deleted 2 ) Reported statues erroneous 3  ) Reported past due erroneous  XXXX . Furnishing certain deceptive forms " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in. ''  XXXX  False or misleading representations " Communicating or threatining to communicate to any person credit information which is known or which is known to be false, including the failure to communicate that a disputed debt is disputed ''. Sec  617 Any consumer reporting agency or user if information which is negligent in failing to complywith any requirement imposed under this title. ( 2 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorney fees as determined by the court. Sec 611 ( c ) " Whenever  a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelavent the consumer agency shall clearly note that it is disputed by the consumer and provide the consumer statement or a clear and accurate codificatuin or summary thereof ''.  XXXX   XXXX   False  or misleading representations  ( 10 )  " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ''.
Under the law, I am protected. The bureaus can not have information on my credit report that can not be 100 % correct, 100 % validated, original contract with signature proven/on file. This is under the FCRA, FDCP. In addition, I am entitled to {$1000.00} PER offense, PER bureau for defamation of character and then some.

Attached you will find letters I received asking the company to VALIDATE that I have an account with them by sending me a copy of the ORIGINAL CONTRACT BEARING MY SIGNATURE. If they claim the account was requested via the INTERNET, I requested a copy of the video surveillance showing ME filling out the application. If the account was requested by phone, I requested a recording of the phone call. In each letter from the company the state : " WE DO NOT HAVE A PHYSICAL COPY BEARING YOUR SIGNATURE '', " WE 'BELIEVE ' this account was established by YOU. '' Excuse me?? This is not VALIDATION. This is NOT proof that I have an account with you. Some claim they received payments during the time the account was opened. Still no proof. STATEMENTS ARE NOT PROOF OF VALIDATION.

I want these accounts immediately removed from ALL BUREAUS. If the company itself has no proof they can validate that " I '' have an account with them, then the bureaus are also lying and reporting falsely because I hold the document that will prove to a judge in a courthouse, in my venue, that neither the original debtor, the bureau, or XXXX XXXX, XXXX XXXX, ANY collection/third party holds a contract with me. Electronically : no video. Physically : no signature contract. By Phone : no recording of me requesting account. SO TELL ME : HOW IS THIS VERIFIED OR VALIDATED??
To whom it may concern, I started to pay my mortgage on  XXXX   XXXX  at the amount of {$3100.00} as monthly payment. For  XXXX  quarter of  XXXX , there was a property tax credit of {$820.00} due to  XXXX   XXXX   XXXX   XXXX , so for  XXXX  quarter of  XXXX , property tax was {$1700.00} instead of {$2500.00}. At that time I contacted the mortgage lender and they reduced my monthly payment from {$3100.00} to {$2900.00}. That adjustment should last only for 3 months, but they made a mistake and continued to until  XXXX   XXXX . Now they increased monthly payment to {$3500.00} starting from  XXXX / XXXX / XXXX  which I ca n't keep up with.   I contacted them many times to resolve this matter, but the vibe I got is they want to rip me off. I bought this property on  XXXX / XXXX / XXXX , so the  XXXX  quarter of  XXXX  property was already paid by the previous owner on  XXXX / XXXX / XXXX  as shown in "  DOC431.pdf '' . And  XXXX  quarter of  XXXX  property tax assessment was right due to  XXXX   XXXX   XXXX   XXXX . so escrow account shortage was starting from  XXXX   XXXX  to  XXXX   XXXX  for the property tax miscalculation by lender at the amount of {$270.00 } (  {$3100.00} - {$2900.00}  ) ev ery month.So for total 11 month s (  from  XXXX   XXXX  to  XXXX   XXXX  ), the escrow shortage should be {$3000.00 } (  {$270.00} x  11 ).  But the lender kept saying the shortage is more than {$5000.00} with ridiculous lies such as they paid  XXXX  quarters of tax for  XXXX  which is totally untrue.
Transunion has verify as accurate accounts that have been sold and verify as accurate collections accounts that I have not received proper notification and validation.