WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sirs, I need your help with SPS Company located in XXXX XXXX XXXX. In XXXX, I was assigned the relationship manager named XXXX XXXX, I spoke to him on the phone and asked questioned about an issue that SPS had not addressed issues with our home mortgage and was told he would send the corresponding paperwork for loss mitigation. No paperwork came to me. In XXXX a new relationship manager was assigned my case XXXX XXXX. Now the paperwork sent to me only includes relocation assistance. Can you help, I have been diligent in asking for SPS to solve problems with my loan : Problems with escrow, another party on my loan, problems with accounting of payments made that were above the amount due and unable to abtain paperwork for loss mitigation since XXXX. Only two weeks ago was I asked to send in paperwork but it was for relocation assistance - the sale has n't even occurred, and forms were omitted. I have asked for loss mitigation but at this point this company does not keep it word to send paperwork and forms where not sent that they require in the packet this past month. Also the paper work that they sent to you did not include the most recent loan papers for the only mortgage on this property from XXXX Bank, only paperwork from XXXX XXXX that is invalid. Thank you so much for looking into these issues and can you please help me so that a sale of the property does not happen on XXXX XXXX, 2016. My property has still not been listed this month by the Sheriffs Sales site as other properties in my area and XXXX and XXXX states the property is not available for sale, and I have received no response from SPS in terms of where it is listed. I did receive a letter from XXXX loans that they might be able to help with this, but I need SPS to start helping and sending all paperwork when requesting it and not sending letters without the proper forms included for loss mitigtion and making sure that my loan has been updated with the proper amount due and all charges to this loan are itemized and explained, and that they are sure that I have a clear title after XXXX made the mistake of listing another person on my loan. I do not have any other loans on this property!!
I got a loan with Loantopia in XX/XX/XXXX and the terms was that I pay them off for 2 years at an extremely high interest rate. However it was made clear to me that if I paid off my loan earlier that I would not have to worry about the additional incurred interest.

So in XX/XX/XXXX/XX/XX/XXXX I had the money available to pay them in full. So I tried more than 10 times in the course of 2-3 months to try to make full payment. But every time I called the number listed on their website, on XXXX, in their emails, or anywhere else it would go to a terrible call center and the person would tell me that they would call me back, then hang up on me. I dealt with this for 2-3 months and never got a phone call back.

I even tried logging in online on their portal system which they say will allow me to login and make a loan payment. However their online portal is broken and does not work, every time I try to login it gave me an error message. I ended up calling the company who manages the payment portal software and they told me they are no supporting loantopia anymore, which means that I couldn't pay online even if I wanted to because it is broken. 

I tried calling loantopia a few more times to pay off my loan in full. But the same thing kept happening, they said they would call me back and never got anything.

Because loantopia was in void of their own contract, by not allowing me or giving me any viable way of making a payment in full. I took matters into my own hands and closed my bank account and got a new one. So they are no longer able to take ACH transfers from my account. I also went ahead and filed a dispute on all the ACH payments that came out of my account since XX/XX/XXXX as they were fraudulent and should not have came out in the first place, as I was would have made payment in full if they provided me the means to do so. 

Also on my credit report it shows the loantopia loan with a balance of {$0.00} and marked at " paid ''. So they werent even reporting this correctly. However, now their collections department is contacting me telling me they are going to send me to collections and they added additional fees to the total amount due. Saying I owe them more than {$3000.00} when technically it should be much less because I'm paying it off in full. 

I am not going to make any more payments to this company because they are in default of their contract. In the email from their legal department it also says to call the legal department, but it gives me the same number that is on their website. So when I called to try to talk to the legal department, they once again told me that someone would call me back and then hung up. After 2 more tries I FINALLY got through to the legal department and the lady I spoke with was upset that I was being aggressive on the phone. 

She did not understand my frustration and told me I would need to call back and speak to someone else because she didn't want to deal with me. She also said that I was calling the " wrong '' number but even in the email from their legal department it tells me to call XXXX.
On XXXX XXXX they reported a collection account to the major credit bureaus. The account is a fraudulent account, due to a robbery we had in 2008 we have become the victims of identity theft. XXXX Services admittedly sent no letters or made no calls to the phone number or address that belongs to me, this information could have been found when they looked into my credit files, they would have also noticed the fraud alerts. By not sending me information and giving me the chance to dispute they took away my rights under the FTC 's FDCPA, I informed them of this and they offered no solution. They also stopped communicating with me and will not respond, I have also filed a complaint with the FTC regarding this matter. I am in the middle of XXXX and personal financing and this collection account that I did n't have the ability to correct before it went to the credit bureaus just dropped my credit scores XXXX points between the XXXX bureaus. It 's causing me monetary damages every day.
Wells Fargo Wise Visa Platinum Card is taking advantage of double dipping with interest rates on cash advances along with cash advance fees as well as interest on purchases. XX/XX/2018 is when I began noticing all the fees and interest rates adding up and my credit card balance not going down. I have tried understanding what they base their charges on when contacting them, but not being a banker or stockbroker, I have no clue what an Average Daily Balance is or what an Annual Percentage Rate does. If they would just roll one fee or one interest rate into what I owe, I could see the progress with my credit card balance going down instead of not changing after I make a payment which doesn't even seem to touch the principal.
So I went on XXXX XXXX and got a alert saying a place ran my credit Im like what. So I looked it said XXXX national credit cards/airlines and Ive never applied for anything like for anything before. I called XXXX XXXX they said they dont deal with that and told me to call credit people to get it off of there so I called they said I have to get a letter etc from the company and I was like okay so I went back called them and said same thing again so Im getting a complete run around Im XXXX like I dont need this stuff happening
I attempted to file bankruptcy ( chapter XXXX ) in XX/XX/XXXX which did not go through. the property was foreclosed upon while I filed bankruptcy ( chapter XXXX ) in XX/XX/XXXX. The bankruptcy was finalized in XX/XX/XXXX, but my name remains on the title excluding me from refinancing my current home.
There is a Capital One account listed that I owed them which I recall settling out an old Capital One account years ago and I do not owe a debt to Capital One. I have disputed this with no response please help. 

The account is reflected on my credit file as Capital One XXXX {$760.00}
Dear sir or madam, I have reached out to your company about 6 times in reference to these accounts, XXXX XXXX XXXX and XXXX XXXX XXXX, that these debts are not mines!! the company XXXX XXXX XXXX is collecting for a leased apartment in phoenix Arizona where i never lived and the same for XXXX XXXX XXXX.. I have provided you with my past lease of my address here in XXXX XXXX where i have lived for the past 6 years. XXXX XXXX XXXX is charging me an outstanding amount for a debt that is not mines!!! {$46000.00} where in the world would you think i would lease an apartment in Arizona where i have not lived which means the apartment would have been {$3800.00} a month, i do n't make that much in a month let alone to pay rent for that high amount!!! I guarantee they can not verify that i lived there with out a lease with my drivers license and signature. The company XXXX XXXX XXXX is charging the debt to me for is no longer in business and you are reporting negative information that is a defamation of my character. Im a single mother trying to start my life again and these accounts are detrimental for me and my kids ... XXXX XXXX XXXX have charged me for a lease that 's not mines as well. Please have them validate correct or delete now!!!. i have included my lease from my pass address where i lived including the calculations and research from these supposedly apartments these creditors have purchased debt not mines ... thanks XXXX
I have an adjustable home mortgage mortgage with Chase that adjusts each XXXX. Chase sends multiple bills each month and I paid several months in advance without being aware of it. The monthly bills I receive from Chase state the due date for the payment but did not change after I paid several months in advance. I timely paid the correct amount for XXXX XXXX and XXXX XXXX using the Chase bills that indicate the monthly payment and the due date. Unknown to me, Chase imposed a " corporate advance '' allegedly to keep my mortgage in good standing when I paid my XXXX XXXX bill because Chase " credited '' my XXXX XXXX payment against my XXXX XXXX bill ( which had slightly gone up due to the yearly adjustment ). All of the mortgage bills were timely and completely paid. For example, my XXXX XXXX bill was timely paid using the Chase bill statement which indicates a due date of XXXX XXXX, XXXX. Chase nevertheless is charging me for " corporate advances '' XX/XX/XXXX and again in XXXX because they made up the difference between the XXXX and XXXX figures ( which I timely paid anyway ). I have written Chase and talked with them on the phone and they have refused to delete the charges they call " corporate advances '' despite the fact I have timely paid the complete mortgage payments due. I will try to forward a copy of one of my letters to Chase to you.
XXXX XXXX, I settled with XXXX XXXX on my new house. My first mortgage payment was due XXXX XXXX. My Mortgage loan was transferred to Freedom Mortgage and has been a horrible experience. My first payment was made via check and cashed/cleared my account by Freedom XXXX XXXX XXXX. I attempted to make my second payment XXXX XXXX via internet but system problems so I telephoned it in that payment and was advised there system was done. Hours later I logged into Freedom website and saw to pending mortgage payment. Immediately, I called them. I was advised the payments could not be stopped but that once they received both payments, the other erroneous payment could be refunded. After weeks of Freedom not taking, not even one payment, I started calling. After three days, I spoke with a supervisor whom advised, my XXXX payment was cancelled out by someone but could n't explain why, and he said it appeared as if my XXXX XXXX payment was being refunded to me and that I would need to remake my XXXX XXXX payment. This sounded ridiculous. By now my account was reflect I owed XXXX XXXX, XXXX XXXX and since it was getting close to XXXX XXXX. Freedom opened and investigation to look into my account. They even reported this to non-sense on my CREDIT REPORT WHICH HAS NOT BEEN CORRECTED YET AND SHOULD BE DELETED. I had to provide a copy of the cancelled check showing I made my XXXX XXXX payment because they could not locate the check and said they could not find the funds. They stated the funds should have been applied back to my bank account, FALSE. I had to provide bank statements to proof this. I sent a letter advising I would seek legal action if my account and credit report was not corrected. I am still waiting for verification this has been deleted on my credit report as I want to retain my same credit score. How can a company with a pending investigation report an unresolved matter to your credit? They currently have me owing a late fee for XXXX XXXX. I called in on the XXXX and made this payment, my payment is not considered until after XXXX. They are saying it was not received until the XXXX. I am now requesting a letter from Freedom Mortgage stating that they have deleted this from my credit. I was informed it was made current, NO this is not sufficient. It needs to be deleted. I had excellent credit with an impeccable credit score.
On XX/XX/2018 I found inaccurate information on my credit reports and sent disputes to all 3 credit bureaus ( Transunion, XXXX  and XXXX ) by certified mail. I also included copies of my drivers license, Social Security card and proof of my address. I received the certified copies back dated XX/XX/2018. I understand its Federal Law that the credit bureaus have 30 days to verify the disputes and answer back to me. XXXX is the only company who has responded and removed the disputed items I asked to be disputed. As of today XX/XX/18 Transunion and XXXX   both refuse to follow the law and answer my disputes. I will include all information and copies of certified receipts.
I disputed information with Experian to remove UNKNOWN accounts on my credit report. 
I wrote a letter letting their company saying I did not open these accounts. Please remove unless you have my signature or proof. They show me nothing and gave me a general letter saying the accounts were verified. I sent another letter asking the to show me more and give me details. Experian said nothing and again sent no proof. I don ; t even know if there was a real investigation. I thought they had to go above and beyond to get to the bottom of situation. I sent a third letter requesting the method the used to verify. I told them by law " you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) '' I did not see anything from Experian.
On XXXX XXXX, XXXX, I received notification via my credit alert service with XXXX that my credit had been run by Ally Financial. At that time, I pulled all three of my credit reports ( XXXX, XXXX & XXXX ) to see what had been done with out my permission. In deed, the XXXX XXXX had pulled my credit report. I immediately contacted, in writing, all three credit reporting agencies with the dispute. Then on XXXX XXXX, XXXX, I received a notice in the mail from the Ally Bank of the incident and also discovered that the Ally Bank also ran my credit through XXXX XXXX XXXX. NEITHER of these companies had my permission to run my credit.
I have had a problem with this loan company from day one. The tellers did not fully understand the loans themselves and did not properly explain the loan. I brought this to the attention of the store manager and district manager and I was given a {$200.00} rebate towards my account that was suppose to erase any late fees and finance charges. I was told on XX/XX/XXXX that the loan would be on track with payments of {$160.00} every two weeks. I continued to make my next payment on XX/XX/XXXX in store of {$160.00}. On Wed XX/XX/XXXX they left a voicemail on my work phone and I called the store back and the teller couldn't tell me why my account was in collection and I told her to not call me at work and she stated she would note the account. I called back to speak with the manager XXXX on XX/XX/XXXX and she states that a payment was missed on XX/XX/XXXX, a payment in which the corporate office told me was not due bc I switched loans ( from monthly to biweekly ). On XX/XX/XXXX they drafted my account for the second time at a higher amount {$170.00}. On XX/XX/XXXX XXXX called me on my work phone and I stated to her that I asked that I not be called at work. 

Company : Easy Money XXXX XXXX XXXX
I have contacted the collection agency and requested documentation verifying the original contract or payments made thru any of my banking information. I made agency aware that this debt is not mine and I have never applied for an  XXXX   XXXX  credit card. The agency rep made me aware that the account was only o  pen for seven months and she does n't have the original contract which is something the original creditors can not provide in most cases. I requested if they can not provide original documentation to remove it from my credit report within 30days of notice.
<P/><P/>  Date of communication :  XXXX / XXXX / 2017
I was leasing a vehicle through Ally financial and returned the vehicle to a dealership, as instructed by Ally, to end the lease in early XXXX. I signed an odometer disclosure and was instructed to wait for a final bill, which would include any remaining lease balance plus any excess wear and tear identified during the inspection. I was told not to continue making payments on the account and that I did not need to be concerned with the account becoming past due. I began receiving collection calls from Ally in early XXXX and was informed that my account was past due. I explained the situation multiple times and was informed that somehow between the dealership and Ally, the return was never recorded. I was told not to worry, this would get sorted out with the dealer and that my account would not be reflected as & gt ; 30 DPD and would not be reported to any of the credit bureaus. For an additional 1-2 weeks I continued to receive harassing collections calls, and returned at least XXXX of them to clarify that the account was properly noted as being in a " pending termination '' status. Each time I asked for, and received confirmation that the account would be reflected as such, that I did not need to do anything further, and that the account would not be reported as past due. Towards the end of this month ( XXXX ), the calls finally ceased, however I recently received a credit report that my account with Ally is & gt ; 30 DPD. This has been reflected on XXXX of the XXXX usual credit bureaus as of the day I am writing this complaint. I called Ally on the day I received the first notification and was again assured that the account was in fact now in a terminated status, was not identified as being past due, and my credit would not be affected. Based on their track record thus far, I am less than confident that the error committed by Ally in reporting my account incorrectly as past due will be corrected without any negative impacts. The time spent thus far to get Ally to correct their own mistakes has been unacceptable. This does not include the level of stressed placed on me as a consumer. To make matters worse, I was not afforded the opportunity to be present for the vehicle inspection, and as of today do not know if there will be any excess charges. Based on my own inspection, I do not anticipate there will be any, however because the vehicle sat for over 30 days outside of my possession before the inspection occurred, I have no way of knowing if any damage occurred. Further, I have been given no recourse in the event some damage is identified as I am only able to state, based on my word, that the damage did not exist when the vehicle was returned to the dealership. Their process is clearly flawed because it relies on mutual coordination between XXXX parties, excluding the consumer ( Ally and the dealership ). Last, the consumer is fully at the mercy of these XXXX parties in the event either of them makes any mistakes. I have never once in my life had such a bad experience with any business, big or small.
on XX/XX/2018 Merchant XXXX XXXX XXXX College charged me {$60.00}. This is a billing dispute as this amount was paid in cash. The transaction was initially processed via credit card in person up until the point the chip reader was malfunctioning. The representative stated I could pay in cash since the payment processor was not functioning normally. At this point I agreed to cancel the electronic payment and proceed to pay in cash. As I left the college, I found out I was charged on my statement. I did not authorize this charge and am not responsible for the amount on my billing statement. Witness XXXX XXXX. Claim was denied.
Wells Fargo sent me a letter stating my escrow account has a shortage of {$680.00}. my payment now is {$800.00}. If I pay the shortage the new payment will be XXXX, a {$49.00} difference. If I do n't pay it, my payment will be {$910.00}. An increase of {$100.00}. this is not the first time this has happened. The same thing happened the second year after we bought the house. I have bought a house before this one and never had a problem like this. There was never more than a {$25.00} difference each year. I just feel that Wells Fargo is XXXX me around.
I BANK AT CHASE. I RECENTLY FOUND A VEHICLE I WANTED TO PURCHASE AND WANTED TO USE A DOWN PAYMENT. I WENT INTO CHASE BANK IN THE XXXX AREA, I PROVIDED MY CREDENTIALS ( DRIVERS LICENSE & CHASE BANK CARD W/ PIN ). THE CASHEIR 'S CHECK WAS FOR {$9000.00}. THE TELLER TOLD ME SHE NEEDED TO GET APPROVAL. HER SUPERVISOR CAME OVER AND WANTED TO VERIFY ADDITIONAL INFORMATION ( MY SSN, MY FULL ADDRESS, MY NAME AS IT APPEARED ON THE ACCOUNT, MY MOTHER 'S MAIDEN NAME, MY DATE OF BIRTH, MY PHONE NUMBER ON FILE, AND EVEN THE LAST COUPLE OF DEPOSITS ) FOR THE AMOUNT REQUESTED. AFTER VERIFYING MY ENTIRE LIFE TO THEM, THEY TOLD ME THAT THEY COULD N'T APPROVE THE CASHIER 'S CHECK BECAUSE THERE WAS A FLAG ON MY ACCOUNT DUE TO NOT ENOUGH ACTIVITY. THE SUPERVISOR THEN TOOK MY DRIVER 'S LICENSE INTO HER BOSS ' OFFICE. I WAS SO UPSET AND EMBARRASSED, I CALLED CHASE BANK CUSTOMER SERVICE ASKING WHY IS THERE AN ALERT ON MY ACCOUNT AND WHY COULD N'T I GET MY CASHIER 'S CHECK TO PURCHASE MY VEHICLE. THE CUSTOMER SERVICE REPRESENTATIVE SAID " I DO NOT SEE ANY ALERTS OR RESTRICTIONS ON MY SIDE SIR, YOU SHOULD HAVE NO PROBLEM GETTING YOUR CASHIER 'S CHECK '', THEN THE REPRESENTATIVE PUT ME ON HOLD TO VERIFY THAT WITH THE FRAUD DEPARTMENT THAT THERE WAS NOT ANYTHING IN PLACE ON THEIR END. THE REPRESENTATIVE CAME BACK ON THE LINE AND TOLD ME THAT HE SPOKE WITH FRAUD AND THEY DO NOT HAVE ANY ALERTS OR RESTRICTIONS ON MY ACCOUNT AND THAT I SHOULD HAVE BEEN ABLE TO SUCCESSFULLY RETREIVE MY FUNDS WITH NO PROBLEMS AT THIS BRANCH. I WATCHED EVERY LAST CUSTOMER WALK IN THAT BRANCH AND WALK BACK OUT WITH ALL THEIR CASH WITH NO ADDITIONAL VERIFICATIONS OR ANYTHING. I HAD TO PROVIDE MY WHOLE LIFE STORY TO THIS BRANCH AND STILL WAS LIED TO SAYING THERE WAS ALERTS ON MY ACCOUNT AND FLAGS NOT LETTING MY ACCOUNT BE PROCESSED. I WAS DISCRIMINATED AGAINST BECAUSE OF MY SKIN COLOR AND MY OUTWARD EXPRESSION THROUGH CLOTHING, OTHER INFRACTIONS WERE PROBABLY VIOLATED DURING THIS PROCESS. IT TOOK FOR CUSTOMER SERVICE TO CALL THIS BRANCH AND TELL THEM TO GIVE ME MY CASHIER 'S CHECK TO GET IT AFTER 37 MINUTES. THE EMBARASSMENT AND EMOTIONAL HURT IS WAS AT AN ALL TIME HIGH. I SUFFER FROM XXXX, XXXX, XXXX, AND NUMEROUS OTHER CONDITIONS. THIS IS NOT HOW A VETERAN OR ANYBODY FOR THAT MATTER SHOULD BE TREATED. I 'VE THOUGHT ABOUT TAKING THIS TO THE MEDIA TO SHOW THAT THESE TYPES OF PROBLEMS ARE STILL VERY ACTIVE AND ALIVE IN OUR BUSINESSES TODAY. I AM GLAD A HAD A FRIEND OF THE FAMILY THERE WITH ME TO HELP ME THROUGH THE UNFORTUNATE EVENT.