WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, We are the XXXX working on trying to do a short sale on this house. We have been attempting to do this now with Select Portfolio Servicing ( SPS ) for almost 3 years. Most recently, we had an approved short sale at $ XXXX and the buyer walked in XX/XX/XXXX due to the condition of the house. We put the house back on the market and got a full price offer on X/31/2017. However, and this is the complaint being filed, SPS claims that they have 30 days to verify a file from the last time a document is put in the file, but they are twisting the verbiage of the rules that the CFPB put in place. The 30 day clause is so that they will provide a timely answer when sellers are trying to do a workout option, but SPS twists it around and says that each time there is ANY new document in the file they get an additional 30 days. In this case here, they had a complete packet on X/XX/2017 and the buyer came up to their new value of $ XXXX and I confirmed on a recorded conversation that the file was complete and that we would have an answer by X/X/2017. However, when there was no answer by the XX/XX/XXXXI called SPS daily and finally on theXX/XX/XXXX they told me that the packet was now complete and we would have an answer by XX/XX/XXXX. The ONLY change was one item on the HUD they did not approve and we changed it and sent it back in. They can not take another 30 days just because there was one item changed on the HUD. If every time there is one little change they want an extra 30 days to review the file then everything will be expired and they will NEVER get anything accomplished. <P/>Specifically, I am formally demanding that an investigation be started in their business practices regarding short sales. After reading the rules by the CFPB it is clear to me that servicing companies are supposed to review documents in a timely manner and then give a decision within 30 or give a written reason why they can not. The 30 day rule was not put in place to give negotiators at the servicing companies extra time to delay the process. As an authorized third party we can not speak to their underwriting department and it is impossible to escalate a file with SPS. <P/>In this case, the buyer, based on the recorded conversation with their representative XXXX XXXX on XX/XX/XXXX, went ahead with her loan process and gave notice that she was moving. Now, if we can not close by the end of XXXX she will not have a home to live in because she was relying on information from SPS. Further, when I explained that I have a recorded conversation with their representative stating that we would have an answer by XX/XX/XXXX, I was simply told that she should not have stated that. Well, if I go into a XXXX - XXXX store and the clerk tells me that sodas are on sale for {$.00} then they are liable to sell me the soda for that price and the same principle applies here.
XXXX XXXX XXXX continue to collect and list XXXX different collection accounts on my credit report which are not mine.Theere is no ending of their harrasment and the intentional pain and suffering they are inflicting on me.I request them to delete all this accounts from my credit reports ASAP.
XX/XX/2018 Text was sent with a phone number for Customer Representatives who claim to represent Hyundai, XXXX and XXXX vehicles with an attempt to collect a debt, however giving my my SS # upon request, they couldn't find anything pertaining to any debt. They requested to dig further until I halted the phone call to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX 's Finance Dept to find out more information about this and they had no clue about any debt collectors within the parameters of my SS # nor my phone number in which they informed me to contact XXXX XXXX which is the owner of the vehicle. Upon speaking with a Representative of XXXX XXXX, they didn't have any idea who this company was. XXXX XXXX  documented it as a fraudulent attempt to obtain sensitive information. 
The company in question is : " Customer Accounts '' XXXX- ( XXXX ) XXXX.
I came across partial copies of the XXXX Federal Student Loan Disbursement notice from XXXX who happen to have some of my loan paperwork I requested for 2.3 years. Financial Aid office at XXXX XXXX XXXX University still to the day refused to give me copies of my entire student file including accounting information and registration files that are under two student ID numbers they created. Fraud and embezzlement committed by the supervisor that runs the financial aid department and others who work in that department. Accounting along with registration had fraudulently double charged me tuition fees each quarter from XX/XX/XXXX-XX/XX/XXXX. Dean of admissions XXXX XXXX instructed all staff employees not to speak to me regarding this matter. XXXX XXXX refused to speak to me and ignore multiple emails sent to her. I received grant money that the financial aid department took the funds and created new loans of Pell Grant funds. Money that was supposed to be sent back to the bank never did. First two loans non-sub and sub loans funds are divided into 3quarters. I was out for 1 quarter ( W8 ) first two reimbursements was for F07 Unsub- {$1600.00} F07 Sub-loan {$1800.00} ( WI08 ) Unsub and Sub loan funds were not returned, financial dept created multiple loans using a student ID under my social security number. The financial aid department knew I was a part-time student and not full time. The XXXX disbursement notices list the loan amount the disbursement dates and dollar amount each quarter. But the total of the loan amount is doubled. See attachments. Attached is the only promissory note I ever did online and it is XXXX University policy for students to come to the financial aid office to review MPN and sign the hard copy. Also in XXXX own catalog it states that only one MPN signed to be use for student loans not multiple MPN. I refuse to pay for the money that was embezzled by employees in the financial aid and accounting and registration department. I entered XXXX Unversity in XX/XX/XXXX grade level ( 3 ) each XXXX loan documents were changed to grade level ( 1 ) and total loan amount doubled but listed on the NSLD as half of the student loan dollar amount.
Early in XXXX, 2017 US Bank sent a letter stating I contacted US bank to convert my XXXX XXXX card to a new type XXXX XXXX  card. I never contacted us bank to convert my card. In fact I did not have a XXXX XXXX card with us bank. They explained that in fact they converted my US Bank Visa card to a new XXXX XXXX XXXX card with out my permission.
I believe at the least the company committed fraud, lied about me contacting us bank, and issued a XXXX XXXX card without my permission.
I understand from us bank customer service, that they did this to many customers, that had not used the visa card for some time to get them to use a new XXXX XXXX card. This could number into the thousands they frauded I have attached documents to complaint
XXXX, XXXX, Trans Union reporting illegally aged account. 

XXXX XXXX XXXX XXXX  TRUST These agencies all show a loan from XXXX on my credit report, which was last paid on XX/XX/XXXX. There were no more payments after that date. The loan was sold to XXXX XXXX within the past few years. 

This is an old debt, over 10 years old. The original loan company ( XXXX ) went bankrupt. 

But XXXX XXXX re-aged the debt to XXXX, and recently placed it at all 3 credit bureaus.. This is completely illegal, any debts with over 7 years since last delinquency, must be removed from credit report. 

This illegal reporting has ruined my credit and prevented me conducting business with certain companies.
This company had not provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of Nebraska. I am a Texas  resident. This company is fraudulent and illegally collecting in the state of Texas. I also do not show this credit bureau has a valid surety bond to collect in the state of Texas. XXXX hasn't produced info.
I purchased a XXXX 2 years ago. The loan needs to be looked. The lender is Capital One and the dealer is XXXX XXXX XXXX XXXX. The deductions for m, y trade in and the thousands of dollars in case I pt down were not applied correctly. I paid over XXXX for this vehicle, and have a XXXX dollar payment every month. The SUV has a loan balance of XXXX or so as of now. I was charged extra in fees and also given a higher interest rate, when it should have been lower. I lost my job and juts started working in XX/XX/XXXX. They say they have extended my loan but now Capital One is charging me excessive payments of XXXX and above. The interest on these payments seems higher as well. If I do n't pay I get threatened with repossession.
The Bureau has failed with the following : NOT providing me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 

Experian has stated they have verified a past due with XXXX XXXX XXXX. In fact I received a letter from XXXX XXXX XXXX whereas they have also failed to provide me adequate proof of any late payments on my account. 

Experian has failed to remove this inaccurate information.
Consumer complaint narrative During the month of XX/XX/2018, I had received several notices from XXXX Insurance stating my insurance coverage had not been paid both my agent and I made several calls to both XXXX  and Neighborhood Lending Services. The insurance was to be paid by XX/XX/2018. The documents I received and the communications by both my agent and myself resulted in numerous excuses as to why the payment had not been paid. We were given several phone numbers and various address to either fax or send the request for payment. We were promised the payment would be sent overnight. To date the payment has not been sent. I have in my escrow account close to {$6000.00} and the insurance is approximately {$3000.00}. Upon doing further research I have found over 23000 complaints about how this servicer will not pay your insurance and then force you into a forced insurance. 

I have supporting documentation including recorded conversation of my communications with both Neighborhood Lending and XXXX. XXXX sent me a letter stating that they had no proof of insurance coverage and they were purchasing insurance which I will have to pay them and the rate will be much higher than what I am currently paying. I have found that Neighborhood Lending has the exact amount due XXXX. I have also received a letter stating I put a stop payment on my mortgage payment. This is not true, all checks have been cleared.
Traded in a car and dealership didnt payoff within the 10day alotted time which resulted in a late payment dealership sent fax to XXXX saying it was their fault and to please remove from my credit XXXX  removed it from XXXX but did not from XXXX or Experian I disputed it with both and they will not remove it. Traded vehicle XXXX disputed XX/XX/2019. This was not my fault and it should be removed.
Please view case # XXXX from the CFPB database and you will see I have attempted to get this debt " validated '' and not " verified ''. However, NO supporting documents have been provided. Also, I have attached supporting letters to mailed to the XXXX on XX/XX/2016. Please provide supporting documents for this debt or delete off my credit profile. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX
I applied to NewDayXXXX who has TV ads that promise help for veterans. they turned me down for the same reason that all the other companies did. despite the fact that I have a high XXXX credit score, have paid my mortgage for 40 years, XXXX on time payments, substantial assets, and was asking for a mortgage that is 1/5 the selling price of my house. guess they do n't want to help vets that much!
I was looking over my credit report and saw an account that was placed in collection, and was reported to XXXX. 
I did not opened that account. 
I contacted the collection agency and told them I know nothing about that account, and I need them to have it removed. 
They refused to comply with my request. 
they gave me a name and address of the person who opened the account in my name. 
I do not know this person. 
This person lives in another state. 
This collection agency has damaged my credit by not doing contacting me to verify if I was the person named on the account before reporting to the credit bureau. 
This is a deliberate act to damage my credit, because they never once called or written to me to collect the account they said I owed. 
Furthermore, they knew my name was different from the person on the account. 
So why damage my credit when I didn't opened that account.
On XX/XX/2018, after 3 year lease, I returned my vehicle as instructed by the the bank and dealership where I leased from. The finance person at dealership stated that I have a " lease protection plan '' which I knew it. I returned the vehicle in good conditions and way under mileage, XXXX miles not driven. But on XX/XX/2018, the bank took possession of the car, subsequently sent me a bill of {$1500.00}. Stating that the has damages, excess wear and tear, etc ... This is outrageous and lack of moral. I have the report from the dealership the car has no damages, except for a minor scratch on the front bumper that won't exceed {$350.00}. Even though that I have a lease protection, still the want to collect more money. I told them that, I pay what I owe, NOT what I don't..Now they're threaten me with negative credit report. Please I need help to stop this institution committing fraud against me.
I have tried since XX/XX/XXXX and XX/XX/XXXX and now trying to get this removed fro my credit
On  XXXX  2017  I file a complaint against Compa ny SANTANDER CONSUMER USA r egarding the Validation of debt on So call Debt owe to them.. That 's affecting my credit report and my ability to make a big purchase on a Home. I was provided with a Documention that was n't completely accurate with  Information  submitted on my credit report, also the Signatures were obviously not mine misspelled my name.. The point of complaint today was to determine the authenticity of this account from a legal point of view.. On    XXXX  2017     XXXX  Removed this account From the PRIMARY ACCOUNT HOLDERS Credit Report after it was Disputed the sameway as I am today, So if It was Determine by whoever made the decision that this Account was an Error and removed it. Why have n't it been removed from a ll my Credit reports when without the primary account holder there is n't a contract
I have tried working with the credit reporting agency to correct my info, however they are not helpful at all-there shows to be a XXXX XXXX XXXX XXXX account that should be removed -this info is not correct in it reporting. XXXX  has already removed this account and equifax has not updated to be in the same accord. This info is effecting me is many ways then one.
Wells Fargo Mortgage has been misapplying additional principal payments on our mortgages for the past 20 years. 

We have contacted Wells Fargo Mortgage several dozen times and have requested that our payment logic be updated so that any additional funds received are applied to principal and not to pre-pay interest. We have called to confirm that our standing payment instructions are to to date several times. 

Wells Fargo Mortgage frequently and systematically removes our payment instructions so that payments are applied to pre-pay interest and not to pay down principal. This has occurred on there different mortgage accounts over the last 20 years. 

This issue has occurred twice this year on our Wells Fargo Mortgage. After calling into the customer service center we discovered that our payment instructions have again been deleted.
On X/XX/17 I reached a settlement agreement with XXXX XXXX XXXX for the account ending in XXXX with an original balance of {$14000.00}. The account is now paid in full. XXXX XXXX XXXX updated my credit report with all three bureaus to reflect the payment I made, showing a remaining balance due. The accounts do not show paid in full and remain as charge offs. I have exhausted the dispute resolution process with XXXX Transunion, and XXXX and am seeking assistance from the CFPB to resolve the matter. I have attached the settlement letter and a recent copy of my 3 bureau credit report. <P/>XXXX XXXX XXXX has been paid since XXXX and the company has failed to timely send confirmation of settlement to me, and failed to accurately report the account on my 3 credit reports, to include inaccurate investigation results.
This is a follow up complaint from original complaint # XXXX which, in a nutshell, was a complaint for an unpaid {$200.00} welcome bonus ( incentive ) offer. I have received the {$200.00} but the complaint now is that it was 3 weeks late ( the agreement stated it would be paid within 45 days of meeting all the requirements and those were met on XX/XX/XXXX so 45 days from that is XX/XX/XXXX but I didn't get paid the {$200.00} until XX/XX/XXXX ). 

The other part of the complaint is that Wells Fargo sent me a letter on XX/XX/XXXX ( 1 week  after I already got the {$200.00} ), wrongly stating that I did NOT meet the requirements. Even after giving me the {$200.00}, they are STILL giving me wrong information. Here is what they are stating in that letter : " Please understand that the eligibility requirements are reviewed based upon a 30 day interval or by calendar month. '' This is wrong because nowhere in the agreement I signed does it state that. What was stated was " per month '', meaning any consecutive 28 day period, or periods such as XX/XX/XXXX to XX/XX/XXXX, or XX/XX/XXXX to XX/XX/XXXX .... Wells Fargo is STILL trying the change the semantics of the agreement to meet their needs but what is legally binding is the actual wording. 

So Wells Fargo breached their contract by not paying me on time and I am complaining about that. They should NOT be allowed to do this. They did not offer me any compensation as I requested. I do not trust this bank. I suspect they are doing this same thing to many other customers. If it wasn't for the fact that I was so persistent in getting the {$200.00}, they likely would have NEVER paid me. Even on the day I got paid ( XX/XX/XXXX ), I asked them why they didn't just deposit it into my account. They told me they were waiting for me to show up at the branch office. This tells me had I not shown up in person at the branch office, they likely would NOT have paid me. Again, this is all proof of a bank that is manipulating customers in a way to not pay them incentive money. This is shady business and needs to be stopped!
I am through naviant and they refused to let me make lowere payments or payments I could afford. They finally put me in a forbearance but they said that would be best since I could n't pay XXXX a month. I now owe XXXX or more in school for 2 years because of fees and interest. I went to XXXX university. They have messed my credit up I ca n't get higher then XXXX. Thanks XXXX XXXX
I submitted an offer to purchase a condo on XX/XX/XXXX, at which time my loan-broker [ XXXX XXXX - based in XXXX, CA ] advised me to allow for a 14-day loan contingency period. 

I have received negligent service from both the loan-broker & the lender [ Coast 2 Coast Funding Group - based in XXXX XXXX, CA ] since that time. At this point, I have already paid-out 43 % downpayment into escrow. 

Just today XX/XX/XXXX the loan underwriter issued yet another demand, asking for additional financial documentation, on top of the thorough disclosure completed many weeks ago. I had tried to back-out of this purchase contract a month ago, because i was alarmed by the incompetence displayed by the loan-broker & lender during the first month of escrow ... but my real estate agent informed me that refund of my initial 3 % deposit would be subject to arbitration, so we kept moving forward with a second month of escrow. 

Meanwhile, I 'm still waiting for the loan to be completed.
I was convicted of XXXX in XXXX in XXXX XXXXXXXX and was in a collections status on XXXX XXXX. The collections company and the XXXX XXXX Court did not have the correct address for me on a collections notice for the XXXX fines dated XXXX XXXX, XXXX. My address at that time was at XXXX XXXX XXXX XXXX, XXXX, XXXX and the address the collections company sent the attached collections notice to was an old address of XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX. I actually received the collections notice XXXX XXXX, XXXX and paid the {$2400.00} on XXXX XXXX, XXXX within 30 days. I had provided the court the proper address before XXXX XXXX, XXXX but they sent it to the wrong address anyway, resulting in the almost 3 month time delay as a result of their mistake. Because I paid the outstanding balance within a reasonable period of time, 30 days, I feel that the court caused the late collections activity because of their incorrect address error. I contacted the court and they even admit that they made a mistake and had the correct address on XXXX XXXX, XXXX but are refusing to remove the Collections Account marker on the Trans Union report. They originally showed the collections account not being paid in XXXX XXXX but then revised it after it was paid. However I maintain that the collections account would have been paid several months sooner had the collections agency and court had my correct address. 

Additionally, the fines were not assessed until I was convicted, which was not on XXXX/XXXX/XXXX as indicated in the Trans Union report, but rather on XXXX XXXX, XXXX, which is the date shown on my XXXX conviction papers. Therefore the item should be removed since it is inaccurate as well.
I applied, and was approved for the XXXX XXXX XXXX Credit Card from American Express on XXXX XXXX XXXX. The card had a bonus offer of XXXX XXXX XXXX points after spending {$3000.00} on the card within the first 3 months. I completed this {$3000.00} spend by the end of the 3rd billing cycle XXXX XXXX XXXX the XXXX ). The agreement states the following : " XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX account 6-8 weeks after the spend requirement has been reached. '' It is more than 10 weeks since I completed this spend requirement and I have not still received the XXXX XXXX XXXX points bonus. I have called American Express 4 times regarding this, they have escalated this issue 3 times however they have not done anything about it. American Express has clearly violated their end of the agreement and I would greatly appreciate if the Consumer Financial Protection Bureau would help me settle this matter. Thank you very much.
I have contacted XXXX after checking my credit report and saw a list of inquiries on my account that I did not authorized. I was informed by a rep there was nothing I could do but speak to those companies and after calling check one the advised I was not in their system. So I contacted XXXX and again was told I have to wait two years for them to fall off, I do not believe this is fair as they are not mines. I am listing the inquiries which I show on my account. It scares me to see this incorrect information and not getting any help, this is my personal information and affects my livelihood. 
XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX