WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to place a complaint against SPS concerning my modification process, appeal, denial, practices, policies and procedures. For the last year in a half I have submitted XXXX modifications with SPS. Concerning some of the modifications, they have lost completely or miss placed paper work which have prolonged my modification and caused me undue burden stress and strain and resulted in me owing more on my mortgage and therefore getting further and further behind. I was instructed by sps not to make a payment until all the issues concerning my mortgage were resolved and that they would cease and desist all foreclosure activity during the modification process. SPS still continued with their foreclosure activity during my modification and request for information. I 've made several request to SPS for information concerning my mortgage, that have went unanswered and during these periods on two separate occasions, SPS has forwarded my mortgage file to an attorney to proceed with foreclosure. I filled a appeal of my denial for modification and sent in supporting evidence on why the values that they used were in correct when determining my homes value, i further explained that my home is and ADU XXXX affordable dwelling unit XXXX and it is governed by the counties rules and regulations listed in the deed. I have sent in QWR 's and have requested documents verbally which has been recorded and documented by SPS and myself specifically about my mortgage file, service file, and request for information. SPS has ignored nor answered many of the request that i have put forth. Some of the request if they were answered did answer the specific questions in the letter 's I sent. I have attached supporting documents that will provide a time line of what has happened.
XXXX # XXXX and XXXX XXXX XXXX has multiple names and continue to duplicating accounts on my credit reports. This account has been paid. Both creditor and collections are reporting incomplete information misleading potential creditors offers. XXXX XXXX exceed 7 year statue for reporting. 

XXXX XXXX XXXX XXXX paid as well all adverse information listed on credit report is incomplete. 

XXXX XXXX XXXXXXXX XXXXXXXXXXXX XXXX are all the same duplicated accounts.. I have record showing I paid this account.
XXXX XXXX XXXX XXXX has reported a duplicated account to my Equifax credit file which is tremendously lowering my credit score.
I recently had my credit report pulled on XX/XX/XXXX. 2019 and I noticed there were several hard inquiries that were removed and has now been reinserted. I called Equifax and spoke with a US representative who removed those hard inquiries. I have since then noticed that they were reinserted and I NEVER received a 5-day notice which is a FCRA violation. I am requesting that all hard inquiries that are being incorrectly reported be removed IMMEDIATELY.
Sallie Mae has not honored my payment allocation request after repeated written requests submitted with my payment. I want the difference between my amount due and the payment I send in to be applied to the principal balance, yet they continue to apply it to future payments and send me bills with a {$0.00} amount due. I continue to make higher payments because they have my payment amount set at {$59.00}, and the monthly interest/fees are {$58.00}. At that rate it would take the rest of my life to pay off this loan. We have called several times and were told they would change the allocation, but they have still not done so.
Bank of America has continued to take {$270.00} from my XXXX XXXX XXXX XXXX account for 3 months after closing the account. Every time they assure me it will not happen again. I have talked to several supervisor and personnel over the last 3 months without resolve. The are unable to even see the draft even after providing them with the item number. They have dropped the ball multiple times in the last 3 months and have made no attempt to rectify the issue. Their last attempt was to charge an additional {$270.00} to my credit card on top of the {$270.00} that they had already drafted from my account.
I contacted PNC Bank which was my current mortgage holder in order to refinance my 1st mortgage loan. I was obviously interested in a lower rate and what it would cost me to to do this in order to be beneficial. I was told the total fees for this transaction would be {$720.00} that would include the appraisal fee, credit check and then I would be receiving a credit for this particular product that would make my total costs out of pocket the {$720.00}. There was never any mention of a {$800.00} loan origination fee that later appeared in the documents they sent out and I just assumed that since the loan officer told me this was only going to cost me {$720.00} I figured the credits were going to wipe this out. This never occurred and I ended up having to pay the {$800.00} that I was never told about even after questioning it before the closing. All they said was that it was in the initial paperwork you signed. I do acknowledge that it was in the paperwork but I was also told that this loan would cost me {$720.00}, not {$1500.00}. The company repeatedly tells you every time they communicate with you that the call is being recorded but when I inquired about my complaint and what I was told they never seemed to go back and listen to the calls to verify what I was told and just reminded me that I signed the papers that included the fee. I feel that this was misleading and they should disclose all fees to the customer that stay in their pocket.
I was contacted by Midland Funding LLC. They have filed a lawsuit # XXXX out of the XXXX XXXX # XXXX Judge XXXX XXXX in XXXX Texas, filed XXXX we have ahd this problem with XXXX concerning a different case. You have helped us in the past. We have a letter from the previous bank that reimbursed our account over {$5200.00} in XX/XX/XXXX. We have also have had credir card companies sending mail to XXXX XXXX. We have been married over XXXX years and XXXX does not get any mail for nearly XXXX years with the name of XXXX XXXX. The credit card company who sold the debt to Midland Funding was XXXX credit card. We never had a credit card of that name. I do not have the credit card # nor when it was issued. We only use our debit card when we do not write a check, we have paid bills on line with both our checking account and debit card. This has put us in an extremely difficult situation. We do not have the money to retain an attorney, so my husband is doing all the legal paperwork. Midland 's phone # is XXXX, the address is XXXX XXXX XXXX XXXX California, XXXX. Please help us if you can. My husband requested documents, ie signed application forms from XXXX and Midland Funding concerning where I signed the original application so we can prove that the signature will and does match my own signature. 

Thank You, XXXX XXXX ( maiden name on credit card ) Married name XXXX XXXX
Experian continues to report inaccurate information on my credit report. I have filed a police report and have forwarded it and they still continue to report this inaccurate information. They also will not allow me to file my dispute on line.
I currently am paying a private student loan with XXXX/Loan Science, previously XXXX XXXX XXXX, and was out of full-time employment for seven months. After multiple attempts, they were totally unwilling to not only adjust my payment at the very least, but they were also unwilling to allow a forbearance, or deferment. As a result I have not been able to make payments, and they are dinging my credit constantly, and calling my home and my step-fathers ( co-signer ) home all hours of the day. I looked at an overview of my payments and since 2013 out of {$5500.00} paid, only {$230.00} has gone to the principal, the rest to interest and fees, its really legalized robbery.
I paid my account thru the company 's website before it was due but 30 days later i got notice that they never recieved my payment. This happened 2 times thru their website and has given me 2 late pays that are damaging my credit and i'm unable to get the best interest rates. I have tried correcting the problem with the 3 credit bureaus but not had success. Please help
In XXXX, I sent a letter to Experian asking them to investigate mistakes on my credit report They are supposed to respond in XXXX days, but I have received no response from them. I have sent follow-up letters asking for my investigation results, but still have received not response from this agency.
In XXXX XXXX, someone managed to break into my credit card account and steal reward points from it. No alert was generated at point redemption and I only accidentally found that out. I tried to contact US Bank officials persuading them to built a fraud protection into points redemption procedure, but despite my 5 calls and promises that someone from the management return my call, it never happened. Card was replaced and points credited back. I also found out that my points were transferred to another US Bank credit account and no fraudulent charges were applied to the card that clearly indicated that the thief 's target was only the reward points and he acted based on internal information available to US Bank employees only. On XXXX XXXX XXXX I found that my card was compromised again and another XXXX XXXX reward points were stolen from my bank. When I called them, it turned out that US Bank was well aware of the breach but they did n't even try to call me and alert me on fraudulent activities in my account, let alone the fact that point redemption did n't generate any alerts, either, despite the fact that 6 months ago it became clear that they must improve their system and add such alert.. They said that it was someone who generated fake ID and logged into my account. They refused to accept the blame saying that that someone was in possession of all my data, like ss number, dob, etc and they could n't do anything. I pulled all credit reports for me and my wife and found that our credit status has never been compromised. Also, nobody broke into our XXXX other reward credit cards. Like in the first case, no fraudulent charges were found on the account, so target of criminal activities was again just my reward points. This makes me think that the crime was committed based on internal knowledge of someone inside US Bank, just like in the first case. Else, how can we explain their in depth knowledge of US Bank reward system and the fact that fraud was limited to only US Bank credit card and no other cards I have, and my identity was n't compromised based on credit reports? They promised to return my points in 6 weeks ; this is totally unacceptable and it ruins my vacation plans as I tried to redeem points for airline tickets on the day I discovered points theft. However, US Bank apparently tries to convince me that this is my problem. All in all, US Bank does exceptionally poor job protecting customers from fraud, their alert system is outdated, they refuse to communicate with customers and accept responsibility and conduct proper investigation. Essentially, the shift the blame to someone else leaving the customer unprotected. The manner in which they conduct the business is totally unacceptable.
This debt is my sons debt he was not living at my home and he was XXXX when it happened
I returned the device to XXXX store within 14 days. The device was unopened and never used.
Coast To Coast Financial Solutions sent a collection notice on XX/XX/XXXX for a collection of a debt that was credited on XX/XX/XXXX. After contacting Coast To Coast Financial Solutions ( today XX/XX/XXXX ) about the debt owed was {$310.00}. I called XXXX XXXX and they confirmed the debt was credited. I called Coast To Coast Financial Solutions back 30 minutes later and the amount owed changed to {$320.00}. The representative explained it was more interest due!
SYNCB inquired on my credit report without my permission. I contacted them and asked why they were reporting an inquirie on my credit and they could not give me anything I have ever applied for or signed for with them. I have never signed anything with their bank.
XXXX XXXX XXXX reported a collection account to all 3 major credit bureaus. I disputed the item and XXXX and XXXX deleted the collection account from my report. XXXX provided me with their " investigation '' results almost immediately upon me filing my dispute and advised the item was " verified as reported '' and that the account in collection belongs to me. 
I am afraid to continue to dispute this item for fear that out of spite the collection agency will re-file their report of this account that is not mine to XXXX and XXXX and I will be back at square one. Can a collection agency do that? What are my rights to demand XXXX stop reporting a collection account that XXXX and XXXX  investigated and determined it is not mine and deleted it?
I have reapplied with Ditech for a loan modification and was just told that they can not stop my sale date for XXXX/XXXX/XXXX because they needed my paperwork updated since mid XXXX. I had sent in an updated package on XXXX/XXXX/XXXX later to learn that the fax number they gave me to fax my documents to takes up to 10 days to update on their system. I was given a different fax number on XXXX/XXXX/XXXX to which I sent in my package again and was told that it would be looked at within 24 hours. I called on XXXX/XXXX/XXXX to check on the status and was told by XXXX of the account managers that she would forward the paperwork over to the appropriate department so they can see if the could postpone my sale date. I called again on XXXX/XXXX/XXXX for another update and was rudely told by a supervisor on why I was requesting a sale date. I told her that I wanted to request a postponement because I had submitted all the required documents for a review and she rudely said that they need 37 days. She asked me repeatedly why I wanted a postponement, speaking to me rudely and as if I was bothering her, and I said because of the modification documents that I updated. I then asked if she could send me a decline letter stating this information because I honestly did not believe her by the way she was talking to me. I asked if she knew what date that they were going to mail the decline letter out or if XXXX had been generated and again she did not know and she sounded like if she was just making up an excuse not to review the file. I did n't argue with her but I honestly think that Ditech just wants me to lose my house or that the rep I spoke to was having a bad day and just did not want to help. All the previous reps I had spoken to did not mention that a postponement could not be granted given that my file is complete.
Dear XXXX, RE : XXXX XXXX XXXX On XX/XX/XXXX we were affected by XXXX XXXX due to 45 inches of rain in 3 days in XXXX XXXX Texas.Not only has the Governor of Texas issued a Emergency Declaration but The President has signed into law an Emergency Declaration and my county fell under this declaration and protection per XXXX. 

I have a XXXX backed mortgage that is under protection of a 90 day moratorium as indicated by the HUD.gov website on any foreclosure related activity from that date onward until XX/XX/XXXX and possibly further. 

My loan servicer, Carrington Mortgage Services is aware/notified of the disaster, that my county falls under the declarations scope by XXXX ( XX/XX/XXXX ) and myself ( XX/XX/XXXX ) as well as the 90 day Moratorium. 

I received a Certified Letter from XXXX. dated XX/XX/XXXX on XX/XX/XXXX threatening foreclosure. 

Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX
1 ) In XX/XX/2016 I was contacted by a law firm called XXXX XXXX  XXXX regarding a XXXX debt at XXXX  XXXX. I paid the debt in 3 payments and the debt was cleared from my record 2 ) I had two debts I collection from XXXX  XXXX, one was at XXXX XXXX  XXXX for XXXX and another was at portfolio recovery group for XXXX. I paid XXXX XXXX  XXXX the full amount and settled with portfolio recovery for XXXX with portfolio recovery on XX/XX/2016 On XX/XX/XXXX I noticed my credit reflected a debt from XXXX  XXXX at portfolio recovery group. I contact portfolio recovery group and they said I have 3 XXXX  XXXX debts with them one for XXXX one for XXXX and a third they would pull up for me. I explained the situation and they refused to listen.. 

I contacted XXXX XXXX  and spoke to a manager name XXXX who saw the debt paid off at XXXX XXXX   XXXX but refused to contact portfolio recovery group on my behalf and regarding the other 2 she said since they are sold to portfolio recovery she has no information. I faced proof of payment to XXXX XXXX  and to portfolio recovery and asked portfolio recovery to pull all the recorded calls from my phone number and confirm that we had settled for one debt and the secon debt was already settled at XXXX XXXX  XXXX and they refused
After doing a routine check on my credit report, I noticed a collection on my report from Enhanced Recovery Company, LLC., for a debt that does not belong to me. 

A certified letter was mailed to Enhanced Recovery Company on XXXX/XXXX/2015 notifying the company of the false debt and the immediate deletion of the debt from my credit history from all credit reporting agencies. 

Enhanced Recovery Company received the letter on XXXX/XXXX/2015. Enhanced Recovery Company continues to ignore the certified letter and continues to report a false debt to all credit reporting agencies.
Got a phone call on XX/XX/XXXX around XXXX from XXXX demanding my name address social number etc upfront without trying to tell me the reason for the call.finally got a name from them and reason and I did not refuse to pay said debt which is said to be lower than is whats on my credit which through a flag and then told me a different finance company than I signed with then proceed to threaten me me if I didnt set up a payment right then through bank draft that they were going to take legal action especially when I told them Ive never received anything in writing from them stating what I owed etc.funny that I just got a letter stating that said finance company just sold the loan to XXXX in XXXX ha but getting a call from California the very next day being threatened
Opened a home Depot credit card to purchase items for home repairs. In talking to a rep, I asked if the promotion was available to me and they confirmed it would apply. It was supposed to be {$100.00} applied to first purchase. It was never disclosed that there was a minimum purchase. I made my purchase and got my bill. There was no credit applied. When I called, the reps said they would only give me {$25.00}. All I want is for the promotion that was told to me.
I have applied for mortgage assistance with wells fargo last year but the lender denied the application due to income. My ex-wife wished to keep the house and she applied by herself again with her income. Wells Fargo had used so many reason to reject and refuse to move forward with decision. I believe that Wells Fargo discriminate her marital status since we are on the process of getting final divorce. They keep asking so many different thing which we have attorney set for that and prove them reason but they refused to do anything for us. Wells Fargo asked her XXXX thing Final Divorce Decree and Tenant proof of occupancy. After providing them divorce decree, they said they did not accept the tenant proof of occupancy due to not from their bank. My ex wife is frustrated and she really wants to keep the house and she does not want to loose it. But it look like wells fargo is very eager to eat the house and without helping her. For me, they are seriously violated Fair Housing Act and ECOA Act to provide her fair opportunity to evaluation of her income
Received fro  m ERC a settlement opportunity on   XXXX   XXXX  , 2017 for an original balance due of {$640.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to ERC is being disputed by me.
2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.
3. Further, ERC has never produced original signed chain of assignment ( if applicable ) and/or any credible evidence and/or circumstances that resulted in such an original balance due made on me at this time.
4. This information erroneously appears on all (   XXXX   ) credit reporting agencies and I have asked   XXXX   to dispute such claims with no response from ERC.
5. As such, all such information should be deleted from all (   XXXX   ) credit reporting agencies.
  XXXX   XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS # XXXX XXXXXXXXXXXX Ph : XXXX I have been getting calls as well as my family members that I owe debt to this company and my credit report does n't show that I owe anything to any collection agency/creditor or I 'm delinquent with any creditors. They mailed a letter to my mom that I am past due with the amount of {$4000.00}. 

This is the information on the letter : Client : Assured Financial Partners File : XXXX Original Creditor : XXXX Account : XXXX Please see collection agency information below. 
First Equity Alliance XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Fax : XXXX
I reported to Equifax that my SSN was in my report as an account number for a closed, paid loan with University XXXX and thus violating FCRA section 609 ( a ) ( 1 ) ( A ), and that there was incorrect information in the entry multiple times. 

They have refused to truncate the account number so that my SSN is not in my report. 

The account with the University XXXX is missing the date of first delinquency, indicating it would continue on record forever, as if it were n't paid in full. Since it is not being guaranteed by a government agency now that it is paid in full, the date of first delinquency is required to calculate the date that the account would be obsolete.
XXXX has TAX SHELTER ANNUITY ( XXXX ) with XXXX account XXXX with the XXXX as the custodian. This Bank was renamed to XXXX BANK ( XX/XX/XXXX ) then to XXXX ( XX/XX/XXXX ) then to XXXX BANK ( XX/XX/XXXX ) then to BANK OF AMERICA. Bank of America can not locate this account
Portfolio Recovery Associates , LLC has been harassing me for a debit that does n't belong to me for about 2 years. The debit belongs to my father and we have the same name. I made it clear to them that I am the wrong person they have been calling. XXXX time I asked for the last XXXX numbers of the social to verify that it was n't me. The person was very rude and refused and was persistent in trying to make me pay the bill. The next time they called I asked them to verify the last XXXX numbers of the social which belong to my father. I made it clear I am not the person they are looking for and to stop calling me or sending me letters under the fair credit reporting act. They keep sending me statements requesting payment. I submitted a letter to them exercising my rights under the fair credit reporting act to stop contacting me. Ever since I submitted the letter they have submitted XXXX statements still requesting payment.
During the recent disaster from Hurricane Irma XX/XX/2017, I reached out to the lender to provide payment relief, they gave us a payment deferral which they advised would get added to the lone, they then didn't provide any options as required by Federal Law and started threatening with Foreclosure if the full amount {$4500.00} was not paid in full.
There's accounts on my report that I'm requesting to be blocked and/ or removed due to the simple fact that the contracts with these companies has been cancelled, therefore there's NO CONTRACT, inwhich I'm obligated to, nor is the accounts rightfully mines. In accordance with the FCRA laws, the creditor and/ or reporting agencies shall provide the consumer with certified physical documentation of such accounts. Please remove the following accounts if you can not provide documentation. XXXX XXXX XXXX, XX/XX/XXXX, {$11000.00}, ... XXXX, XX/XX/XXXX, {$730.00}, ... .XXXX  XXXX , XX/XX/XXXX, {$0.00}, ... .XXXX  XXXX , XX/XX/XXXX, {$17000.00}