WillisBack/dataset-financial-user-claim huggingface dataset:
Dear CFPB, Hello sir or ma'am, I am asking for your help to investigate the following three companies for illegally and knowingly violating consumer rights, to include illegal debt collection practices, knowingly reporting false information to the CRAs and several other FDCPA and FCRA violations. These are predatory companies and I am asking for your help in resolving not only my situation but ensuring an end to the abuse hundreds of others victims are enduring as well because of these unethical companies. 
RESURGENT CAPITAL SERVICES L.P, Located in XXXX SC or XXXX XXXX XXXX XXXX, Located in XXXX SC XXXX XXXX XXXX, Located in XXXX XXXX, NV IM REQUESTING THAT RESURGENT CAPITAL SERVICES / XXXX XXXX  PROVIDE ME THE FOLLOWING : THE ORIGINAL CONTRACT THE ASSIGNEE CLAUSE GRANTING THE RIGHT TO RE-ASSIGN DEBT. 
NOTARIZED PROOF OF SALE BETWEEN RESURGENT XXXX   AND THE ORIGINAL CREDITOR PROVING THEY OWN ANY ACCOUNT IN MY NAME. 


RESURGENT/XXXX NEVER MAILED ANY NOTIFICATION OR CONTACTED ME PRIOR TO REPORTING THIS ON MY CREDIT REPORTS. BY LAW A DEBT COLLECTION AGENCY MUST GIVE 30 DAYS WRITTEN NOTICE TO ALLOW ME TO DISPUTE THE DEBT AND REQUEST VALIDATION, WHICH I WAS DENIED PURPOSELY BY RESURGENT XXXX  IS BECAUSE THEY KNOW THE INFORMATION IS FALSE AND CANT BE VALIDATED OR VERIFIED. 

THE LETTER MENTIONED ABOVE WAS JUST SENT TO ME ON XX/XX/2018, GIVING ME 30 DAYS TO REQUEST VALIDATION OF THIS DEBT. See ENCLOSURE 2. THIS MAKES ZERO SENSE BECAUSE THEY SENT THIS AFTER I SENT THEM THE REQUEST FOR VALIDATION ALREADY ON XX/XX/2018. See ENCLOSURE 3. THIS ATTEMPT TO SEND ME A LETTER STATING I HAVE 30 DAYS TO SEND A REQUEST FOR VALIDATION AFTER I ALREADY SENT YOU THE REQUEST, INDICATES ANOTHER ATTEMPT TO IGNORE MY REQUEST FOR VALIDATION SENT ON XX/XX/XXXX. THIS LETTER SHOULD HAVE BEEN SENT TO ME SEVERAL MONTHS AGO PRIOR TO REPORTING THE DEBT, NOT AFTER I ALREADY SENT THEM A REQUEST TO VALIDATE. 

Please help me in resolving these issues, Thank you for your consideration. 

Very Respectfully,
I was shocked when I reviewed my credit report and found inaccurate items. 

Creditor : WORLD FINANCE CO ACCt # : XXXX I do not have a debt with World Finance Co and have tried repeatedly to get them to answer me to verify how they determined that this debt is mine. I have never had a debt with them and I am unable to get this item off of my credit report.
Commerce Bank withdrew funds from my account, caused me to overdraft, all because the check that was written had a similar account number. Similar in the means that it was n't my account and that the bank had an error when dispersing the funds. When I called the company they told me I would not be able to use any funds for XXXX to XXXX hours because they had to submit a formal complaint and go through the process. Even though you have bureaucratic ladders of things you have to go through the company could rectify this in a matter of seconds. It would be as easy as posting the image of the check and discussing why the funds were incorrectly withdrawn. Now I have no money and I am in a real big rut today as my bills are due and I have insufficient funds to pay them. I believe that a company of this size should not have this long of a process for XXXX of their own mistakes. I do n't even have check for XXXX sake and somehow they
I have disputed XXXX on my Experian credit report several times. The debt was cancelled by XXXX and I received a XXXX form, stating the debt was cancelled. I paid taxes on the cancelled debt. Experian continues to incorrectly report the debt as delinquent and past due. I was recently turned down for a mortgage loan due to incorrect credit reporting by Experian. This is my final attempt to have Experian correct this error, before I sue them. I am attaching the latest document from Experian dated XXXX 2015 showing the result of their investigation. This error is after I submitted a copy of the XXXX C form that I am attaching to this complaint. I have been injured by Experian 's inaccurate reporting, and if the error is not correcting this time, I intend to sue them for for actual and punitive damages. Experian continues to ignore my requests to correct the error, even though I supply the documentation that I am attaching today to this complaint. This official complaint, if not corrected, will be used as additional proof of the malicious behavior Experian is subjecting me to. The account is paid in full and not past due. The debt has been cancelled, as the document states. Note the account numbers on XXXX the credit report and the XXXX are identical.
Was double billed by XXXX for XXXX when I ask to see results of the XXXX was ignored eventually the sent it to collection agency that also ignored repeated requests to see results from this test to prove it was a different XXXX not double billed ignored and place on my credit report
I am a victim of false, misleading and deceptive practices for collecting mortgage payments by Green Tree Servicing LLC. These are the same practices they were found guilty of in Case XXXX filed by the FTC and CFPB. Specifically, paragraph XXXX. 
I received a payoff statement from Green Tree and sent money in excess of that amount to Green Tree XX/XX/XXXX. They never applied the payment to my account balance and continued to charge interest on the full amount, pay real estate and property insurance until I received other payoff amounts from Green Tree and submitted that money. This finally was concluded XX/XX/XXXX. 
I am requesting the excess amount I paid to Green Tree be refunded.
There are some serious issues with this doctor and her billing practices. My son was born with a XXXX XXXX and the hospital called her in to diagnose the XXXX they heard from his XXXX XXXX. The day that I got home from the hospital, her office calls me asking for my billing information. I declined giving this over the phone and instructed them to deal with the hospital to get this information. Why would you call a patient with a XXXX  XXXX  old baby who was just diagnosed the day before with a XXXX   XXXX XXXX XXXX? Months go by, the hospital has billed the insurance over $ 20-40K. So Im thinking all of this has been handled. Wrong. In the summer  of XX/XX/XXXX, letters begin coming from XXXX XXXX XXXX Office with a {$1500.00} bill. I call them to advise that we had insurance and gave all the information to them for the bill to be taken care of. The person who I spoke with advised that it would probably have to be written off, because they can not bill the insurance after 90 days. The whole time, they are thinking that we didnt have insurance. The office had already turned the account over to collections at that time. I called the collections company numerous times to be removed from the calls and mailers. Even did a two-way call with the insurance company and the collections company to no avail. Now, I have to go through the hassle, after my son had XXXX XXXX XXXX in XX/XX/XXXX, and a year later XXXX XXXX XXXX Office has turned this over to a new collections agency. Needless to say, Ill be writing to Virginias attorney general, the XXXX XXXX Virginia Hospital and the CFPB to advise them of these questionable business practices. A new collections agency called me in XX/XX/XXXXsupervisor who I spoke with was XXXX who was very rude. Three-way call with the XXXX XXXX XXXX XXXX who advised that XXXX Office never billed them. Additionally, XXXX lied and gave the office address to XXXX XXXX, instead of XXXX, to make it seem that we were out of network. I think their attempt to for us to pay this bill, which XXXX XXXX XXXX XXXX has recorded as {$1500.00} on the first call we had with them in XX/XX/XXXX, and now the bill has increased to over {$2000.00}.
I am under a modification as of XX/XX/XXXX, I lost my job in XX/XX/XXXX, which was a challenge but at least I had unemployment to rely on for a few weeks, I got back to work in XX/XX/XXXX ( The job market here in Missouri is seriously askew with phony job postings by recruiters filing their data bases ). After landing my new job shortly after I had a XXXX  injury, not job related. I was on and off work for two months. I once again submitted paper work for financial assistance, and was denied. I read over Harp and I see no reason why I would not qualify for assistance, but was told my Specialized loan Servicing that there was no help for me. I have tried to get my house modified to market value for years, it still is not. Enclosed are the copies of my modification, and the demand letter for a XXXX dollar house that is worth XXXX. I was not sent this information in writing by SLS, I got the information from a phone call. I also have a list of SLS phone calls to my cell phone, asking for someone that is not me on my voice mail.
After faithfully paying this card online and getting statements, I logged myself out.I could n't pay I called in XX/XX/2015 to pay they said they could n't find my account so they told me to wait until they find out.Before the due date on XX/XX/XXXX, I called on a Thursday 2 days prior, they could n't take payments on the phone and they could n't reactivate online access due to the credit card being close previously. They said to overnight a payment. By now, I had no mail no email statement either. I didnt have assurance that mail will reach them on time. I was told I was getting LATE fees by now. Finally, I got an email payment reminder only on XX/XX/XXXX. I mailed the money but I did n't have the full statement. They money was cashed by them. I mailed them a letter XX/XX/XXXX and 10 days ago an attempted was made to speak with them to no success. I have no bill and I had to miss this month payment.
The credit report listed an item : XXXX Serious delinquency. When I contacted consumer finance, the agent said that Bank of America reported I was delinquent on several credit card payments. I contacted Bank of America and they said that they only had a checking and savings account under my name on file. XXXX these accounts were closed years ago and they do not have record of me having a credit card with them. They said they could check archives, but because all of my accounts are now closed, they should not be reported as delinquent in any credit reports.
Synchrony Bank issue - I paid my credit card bill early and the credit card company is listing my account as being late and sending harassing certified letters to my home. I have called once and was assured by a representative that it was solved. The next day yet again another certified letter for the same account and reason. I called the company and the only thing I get is we are sorry this is unacceptable business practice and borderline harassment from a creditor to a consumer that is paying their bill on time if not earlier than due.
We were in an area affected by Hurricane Irma in XXXX of XXXX and my wife was unable to work due to businesses that were affected by the storm for 3 months. We were offered a " Special Forbearance '' by the mortgage company handling the loan, XXXX XXXX XXXX XXXX XXXX, during the disaster. Once we accepted the " Special Forbearance '' no one told us all of the payment would be due at once nor did they tell us anything about the terms of the " Special Forbearance ''. and that the servicing of our loan was sold to Freedom Mortgage at the end of the Special Forbearance. We have contacted a HUD Approved Housing Agency and they have been helping us with the paperwork needed for Modification. Each time that Freedom Mortgage asks for paperwork we send it to them right away, and this process has been dragging on since XXXX of XXXX and they keep asking for the same paperwork over and over stating it is the underwriters. We feel we have been deceived, we feel that Freedom Mortgage is dragging this process on so that they can eventually file foreclosure and take our home, which was not behind until this happened, and we don't want to lose our home.
Navient has taken unauthorized debits from my checking account XXXX during the month of XXXX, 2015. They took unauthorized debits once on or about XXXX XXXX, 2015 for {$110.00}, and most recently on XXXX XXXX, 2015 for {$390.00}. 
On or about XXXX XXXX, 2015, I discovered that Navient had automatically debited my XXXX checking account for {$110.00} for the student loan ending in XXXX. I had not authorized this transaction or set it up. My father makes an automatic payment for the loan ending in XXXX, and had given Navient HIS account information for the automatic payment. I had set up automatic payments for about {$390.00} for the rest of my private loans, and my payment was not scheduled to come out until XXXX XXXX. I called Navient to demand that my {$110.00} be credited back to my XXXX account, and that they take the payment from my father 's account instead. 
Navient incorrectly stated that I had enrolled all of my loans into auto-payment on XXXX XXXX in the amount of {$500.00}, and that they only had my XXXX information for the payments. That was false. I had only set up the {$390.00} payment recently, and my father set up the {$110.00} payment with his bank information. Ultimately, Navient agreed to do a direct refund to my XXXX checking account for the {$110.00}. They also agreed to cancel all auto-payments. My father was supposed to call back and set up his auto-payment for {$110.00} at a later date in XXXX, and I was going to call back and set up my auto-payment for the {$390.00} at a later date in XXXX. I was supposed to have my refund of {$110.00} by XXXX XXXX at the latest. 
My father called Navient back between XXXX XXXX and XXXX XXXX to re-establish his auto-payment for {$110.00}. His next payment is due XXXX XXXX, 2015. I had not called back to re-establish my auto-payment for {$390.00} as of XXXX XXXX, 2015. 
On XXXX XXXX, 2015, I logged into my XXXX checking account again to check my balance. I was alarmed to see that Navient had again taken an unauthorized automatic payment from my checking account! I had not called back to re-establish my auto-payment, but Navient had debited {$390.00} from my checking account. It was taken in XXXX unauthorized transactions ( {$120.00} ; {$100.00} ; {$71.00} ; {$93.00} ). This is especially egregious that Navient took these unauthorized payments despite agreeing on XXXX XXXX, 2015 that it would cancel all auto-payments and to wait until we called back to re-establish them. 
I am going to call Navient now to demand a direct refund. My funds are rather limited at this time, and I am unable to allow Navient to invade my checking account and debit funds at will without my authorization.
This account is past the statute of limitations and I have an open and active account with them. Please remove this item from my credit file XXXX XXXX XXXX
Several attempts were made by me to request Validation of debt on XXXX accounts reported by Portfolio Recovery Associates. I have not denied debt rather requested Validation or removal from Credit Reporting Agencies. After two written requests, the most recent one XXXX/XXXX/2016, they have completely ignored me and not responded at all. I find this in violation of the requirements of this agency and may others. They have not sent me a notice of right to dispute, nor have they sent me documentation to validate the alleged debt.
on XXXX I called XXXX XXXX about my loan status listed as " In Foreclosure. '' The company is seeking a payment of {$3800.00} from me. This is an internal problem with this company.

I have receipts for my taxes, marked paid, as well as a current paid monthly Home Owners Insurance document and a signed Occupancy Certification one.

So what documentation do they have saying this loan is in default. 
Their letter of XX/XX/XXXX supports my claim.
On XX/XX/2018 I sent a letter to XXXX XXXX requesting them to provide documentation associated with this account bearing my signature. Since I havent heard from them I mailed another letter requesting the same information and still no response. This isnt my debt ; the name they are reporting to the credit bureau isnt spelled correctly and the address they are reporting I havent resided there in over 20 years. Ive provided the credit bureau with a copy of my driver license, social security card, and an up-to-date utility bill to verify who I am. I dont recognize this company nor have I ever heard of them until they started to report this fraudulent account.
I am trying to secure a home loan at  XXXX   XXXX    XXXX   in  XXXX  NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have  contacted  XXXX  of the  XXXX  accounts which are fraudulant accounts to have them closed or to inform  XXXX  of the accounts that have balances, that they were not opened by myself. One  of the organizations   XXXX   XXXX   acknowledged the fraud activity when none of the information provided matched their information.   The other organization  XXXX   XXXX   XXXX  has been highly uncoorperative. They have been contacted over 6 times sinc e  X/X/17  whe n the report was run. I can not speak to anyone higher in the corporation than a floor manager, who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on   X/X/17 ,  two more times with dates I did not document. On  X/XX/17  I   spoke to the floor supervisor  XXXX  who opened a case report and informed me that someone would contact me to further the case. No one called. On   X/XX/17     I spoke to   XXXX    who opened a case, took down my information and told me someone will call me. Noone called. On   X/XX/17  I  spoke to  XXXX  and  XXXX  who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of tim e they have charged me a 30, 60 day late charge and reported to Experian,  XXXX ,  XXXX  lowering my credit score. I was also informed that they are going to charge me a 9 0 day late charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed  XXXX  to help in the battle.  XXXX    XXXX    will not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are  XXXX   XXXX   XXXX  and credit card division  XXXX   XXXX   XXXX .
XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, GA XXXXOffice of Consumer ResponseConsumer Financial Protection BureauConsumerfinance.govRE : SPS ACCOUNT : XXXXXXXXXXXX Relationship ManagerSelect Portfolio ServicingXXXX UT XXXXDear CFPB : I have reviewed Specialized Portfolio 's Services ( SPS ) response to my XXXX 2015 complaint and find it inadequate. 

My initial complaints remain valid. 

Damages Due Withholding Funds Of BorrowerSPS has reported derogatory credit information on me while holding a significant amount of funds belonging to me since the transfer of my account servicing from XXXX to SPS. These funds were held due to an error by the XXXX servicing organizations. 

I am requesting compensation for damages to my credit and compounding my ability to refinance my home. Resulting from withholding this cash. How can you report payments when you are holding funds of the borrower? I was refunded over {$5000.00} in 2015 from SPS due to this error. These funds would have offset any delinquencies. 

An investigation by SPS and communication with XXXX will reveal this. 

Uneconomic and Unethical Mortgage UnderwritingMy mortgage payment of principal and interest is less than my local property payments. A simple review will reveal that this financing is uneconomic. 

Failure to DiscloseWhen I receive my initial mortgage and modification it was not disclosed that I would pay PMI insurance. I would like this payment eased. 


Damages Due to Property Tax Escrow MismanagementI don not pay my property taxes. My properties taxes are escrowed pay SPS. 
SPS has often miss calculated the tax escrow resulting in additional derogatory credit information and tax liens. 

Uneconomic Mortgage UnderwritingMy current mortgage payment after modification is much higher than my originalMortgage PI. Again this underwriting is uneconomic. 

I have applied for a review of this modification, which has been hampered by time lags on SPS, request for up dated in formation. 

I would appreciate your assistance in resolving this matter or directing me to a legal agency. 


Thanks. 

Sincerely, XXXX XXXX, XXXX
As of Wednesday XX/XX/2018, JP Morgan Chase has closed all of my credit cards. This is the 3rd time this has happened and for no reason. I have never missed a payment and always paid my bill way ahead of the statement. My credit is 100 % perfect in payment history and always have had a healthy usage. I am a XXXX year old managing my credit to the best of my ability and have not done anything wrong. I am utterly confused as to why Chase is targeting me. They claim they tried to call me, but I have not received any phone calls since the previous complaint. I would love to speak to someone on this issue.
Bank of America sold our loan to another bank and did not tell us they where doing so. When we went to pay our mortgage we where not allowed to pay it and it became late. This also hurts our credit cause of the way credit reporting companies rate length of credit history.
I have submitted letters and FTC letters to XXXX XXXX on several occasions informing them that the stated account do not belong to me. XXXX XXXX have proceeded to ignore my disputes and complaints. So I need your assistance in getting this matter taken care of.
I received several calls and later a printed statement by mail, regarding an old student loan from a Collection Agency that indicated they were contacting me on behalf of the Department of Education. I contacted them by phone and was told unless I agree to set up satisfactory payment arrangements or submit the full payment amount, I would be subject to further collection activity including garnishment of wages and or XXXX / S.S. benefits. The issue also is currently there is a tax offset already in force that automatically forwards any tax refunds toward the balance of the student loan. 

With that already active, I should not have to be threatened & harassed by a collection Agency for a debt that is already being paid by the tax offset.
I found out about the HJR 192 law. I went into foreclosure, paid Selene Finance the XXXX, Out of retaliation, Selene Finance sent me out a XXXX bill due in XXXX.
Capitol One entered XXXX hard credit checks against me today, and I have no business with Capitol One. Please remove it.
In XX/XX/2017 i sent contract callers inc a letter disputing the debt that they are reporting on my credit file, they never responded to my request, i than sent another letter on XX/XX/XXXX and  received a response from the collection agency yesterday stating that the debt has been validated with a copy of a recent bill. In my original letter i asked the agency to provide proof of verification which should include a signature and any original documentation required under section 609 ( a ) ( a ) ( A ) & Section 611 ( a ) ( a ) ( A ) ( consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA which states " you are required to promptly delete all information which can not be verified '' i contacted contact callers today via telephone and spoke with a rep and asked her to provide me verifiable proof that this debt belongs to me and she was unable to do so.
Bank of America misled me into believing that a duplicate or substitute check would be issued, by them, after the maker decided not to pay it. A check for over $ XXXX was deposited into the ATM. Four days later, or so, I found out the check was reversed only after initiating contact with them. Valuable time was lost during the weeks that they misled me and this is compounded by the fact that no written notice with the check copy was received until a few days ago. This check/property was handed over to the bank, as the customer they owed me specific duties, including the ability to cure any defects with the item.