WillisBack/dataset-financial-user-claim huggingface dataset:
I noticed the mortgage statements I receive from the alleged mortgage servicer,  Select Portfolio Servicing, states on the bottom of the letter " This is an attempt to collect a deb. All information obtained will be used for that Purpose. I made payments with this   servicer not knowing if they were a debt collector or mortgage servicer.     On    XXXX   XXXX   XXXX   I  sent a lett er to Select P  ortfolio Services to verify who the v erify the allege creditor and asked for name, phone, and address. In response on  XXXX   XXXX   XXXX , they have returned a letter stating tha t   XXXX   XXXX   XXXX   XXXX   is referred as the " investor '', " creditor '', and/or " note holder '' of the account. They r efuse to give me contact information because its proprietary information. I do not recognize    XXXX   XXXX   XXXX    as a creditor.     On  XXXX   XXXX   XXXX , I have sent a letter to  Select Portfolio Servicing Inc ( SPS ) t o validate and verify the debt. My first problem was identifying  SPS. T he letters I receive from this company states they are a Mortgag e Service c ollecting for a loan but on the bottom of the letter it states it is an attempt to collect a debt. I tried to speak with a representative, a recording played stating this is a debt collector attempting to collect to collect a debt. When i spoke with the representative I never received a clear answer as to if they were a debt collector or mortgage servicer.     I want to verify who was the original creditor and who is collecting on the debt.  SPS  claimed  XXXX   XXXX  is creditor but   XXXX   XXXX   is the noteholder/investor. They never provided name, address, or phone number of any of these alleged creditors. I personally calle d   XXXX   XXXX   XXXX   XXXX  ,   t hey claim to have no information of this debt. I emailed  XXXX   XXXX  regarding this debt. In response they stated that loan information I have given them was for  XXXX   XXXX  and are not in business. I discovered a letter  XXXX   XXXX   XXXX  from  XXXX , the original servicer, the release of deed to secure debt stating the debt is paid in full and release of lien. But I never received notice from the original creditor th at SPS or   XXXX   XXXX   XXXX   XXXX   is going to collect any debt for them or on their  behalf. There is no evidence that I owe any loan or debt to    XXXX   XXXX  .
DIVERSIFIED CONSULTANTS, REGARDS TO XXXX ACCOUNT THEY ARE CALLING MY WORK, MY FATHER 'S CELL PHONE AND MY MOTHER 'S HOUSE PHONE. THEY DISCLOSED ALL THE INFORMATION WITH REGARDS TO THE DEBT WITH MY MOTHER AND FATHER. THEY ARE CALLING MY DAD AT WORK FROM THIS NUMBER XXXX. I ALREADY MADE PAYMENT ARRANGEMENTS WITH REGARDS TO THE DEBT. I DO NOT UNDERSTAND WHY THEY ARE STILL CONTACTING MY PARENTS, WHO HAVE NOTHING TO DO WITH THE DEBT. THEY ARE DISCLOSING SENSITIVE INFORMATION WITH OTHERS. MY FATHER JUST CALLED ME RIGHT NOW SAYING THAT THEY CALLED HIS NUMBER 4 TIMES ALREADY!! WHAT CAN I DO?
Dear CFPB : On XX/XX/2018, I received another letter from the Debt Collector Company Inc. Saying to my self on there letter that I have one Amount to be paid and also that I have Various other Accounts to be paid also. this debt collector keeps calling me 6 to 7 times a day. And if i can not be reached on my cell phone number they call me at home. I explain to them to please to DO NOT CALL ME NO MOE.I also wrote them a letter dated : XX/XX/2018 and i am asking them for the fallowing information : 1 ) Verification of my debt,2 ) copies of the original creditor, 3 ) any statement or bill from the original creditor, 4 ) Provide copies of Various other accounts, 5 ) copy of insurance card that was used at the time of service, 6 ) provide me with each date of service from the original creditor, 7 ) Do not contact me any more, 8 ) do not call me either any more, 8 ) provide me with there name and ext number, 9 ) do not harras me and or thretenig me on the telephone no more,10 ) They have 15 days as per State and Federal Laws to provide me with the requested documents, 11 ) This debt from the Radiology Department was paid already bye my insurance Company. Thank you. Very truly yours..
XXXX   XXXX ,  2017  Sent a QWR to these companies.     OCWEN Loan Servicing LLC  XXXX   XXXX   XXXX  I have not gotten any answers to my request. I did get a print out of something but no answers to the questions I asked on the QWR of  XXXX   XXXX ,  2017 .
I had my wages garnished for medical bills and the garnishment was complete and paid in full. I received a letter stating my garnishment was fulfilled and there was another two bills that came in and were added on for XXXX. I called the company to make payment arrangements and they have now added on XXXX court costs and XXXX court costs. I cant afford to pay these outrageous fees added on. They are also telling me I have to pay XXXX a month until it is paid in full
On XX/XX/XXXX I received a call from a woman by the name of XXXX XXXX, a representative of XXXX XXXX XXXX, a Collection firm. I was informed that I owe a debt in the amount of {$7000.00} from XX/XX/XXXX or XX/XX/XXXX- or it went into collections in XX/XX/XXXX ( per the caller ). The caller stated that I was served in the state of Georgia and in New York. I have never been served and I have never resided in Georgia. I requested that the caller send via US mail any relevant information including all signed contracts. I was informed that i would need to go to the court to look up the file I informed her that due to my XXXX I could not go to the courts to research at this time.. I was then informed that the debt will not dissolve until XX/XX/XXXX and my assets will be subject to seizure along with other threats In addition, i was informed that there are ways that my bank account or personal information could be obtained.
I recently moved back to XXXX to start a new job. I wanted to open a local bank account here as I bank with a credit union in another town. I opened a checking account with BBVA Compass and have had it for 3 weeks with no issues. Yesterday I went to eat and my debit card was declined. After I called the bank to see why, I found my account had been frozen. They first said for debt then it turns out they ca n't tell me why and said I need to go to a branch and prove who I am. I did that in the afternoon as I have my full payroll going to this bank on Friday so needed this resolved thinking they have a mix up. I also have worked in the large banks for my than 10 years of my career as a consultant in IT and security so I know if their controls are messed up they can make these mistakes easy. This morning I 'm still not able to access my account and after another 45 minutes on the phone they can give me no reasons why my account has disappeared and what I will expect tomorrow with my pay. They told me to go back to a branch and give them more info.
There is a XXXX account reporting through this company called Enhanced Recovery, I have disputed with nothing being received. Unknown and to owe {$1300.00} is crazy requesting validation
Penfed XXXX " XXXX '' refused my online payments after many months of successful payments stating my payment was " ineligible at this time '' because I had vehicle loan with Penfed that went into default. 

Penfed refused to take payment for my mortgage because I was late with my vehicle loan!!!
i have no health insurance i was sick i went to XXXX XXXX hopsital XXXX il in XXXX FOR 2 HOURS AFTER 2 HOURS I WAS RELASED FROM XXXX XXXX HOSPITAL XXXX ROOM, THEY SENT ME BILL FOR {$1500.00} I PAID {$500.00} NOW THEY ARE ASKING MORE SENT TO COLLECTION AGENCY TO DESTROY MY LIFE I NEED LEGAL ACTION
I attended college later in life ( a XXXX career ) with a degree where I have always worked for XXXX and not have a moderate salary. My loans are managed through Navient. I have paid on the loans for years and the balance is barely moving down. I 'm about to retire in two years so my income will be reduced greatly, how do I handle this? I 'm told I do n't qualify for loan forgiveness because I did n't enter a program when I graduated in 2003. Help please, thank you!
My credit report and my husband 's credit report both include two accounts that refer to the same debt ( ie, duplicate reporting ), and whose date of last activity and date of first delinquency are both more than 7 years old. We have disputed this multiple times with the companies directly and with Experian, and nothing has happened. We have also submitted multiple demands for an explanation of their Method of Verification under FCRA 611 ( a ) ( 7 ) and we have not received any reply at all. 

The accounts are : XXXX XXXX XXXX Account Number XXXX and XXXX XXXX XXXX XXXX Account Number XXXX
dates unsure, do not owe {$1100.00}, do not owe debt to this company, did not establish debt with them
Back inXX/XX/XXXXI did a dispute with all 3 credit bureaus for XXXX for {$3300.00} and it was deleted from all 3 credit reports on XX/XX/XXXX but not all 3 credit bureaus have added the above creditor back on my credit report inXX/XX/XXXX
Transworld Systems Inc. has entered inaccurate information as a medical collections on my report. I do not know who this company is, I have never had business with company. I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verication is unacceptable.Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I DO NOT HAVE A CONTRACT WITH THEM. They have violated my Hippa rights by obtaining my medial information and billing ignorer to collect a debt that they purchased. They have updated my credit report as a " Paid '' collections and i have never paid them. I would like for them to prove their claim that I legally owe them money and that funds was paid to Transworld Systems Inc. PROVE IT!
XXXX XXXX has been working with Bank of America for home retention options. She was advised that one of her options is short sale. She listed her property with a local real estate agent on XX/XX/XXXX and received an offer. Per Bank of America 's instruction, we have been trying to initiate the short sale into their " XXXX '' system to begin review. In our many discussions with Bank of America, they informed us that they are having troubles with initiating this file and opening up the review. This " delay '' has gone on for over two week. Daily, when we speak to Bank of America, they advise that they are having issues with their system and that they will look into it. On XX/XX/XXXX, I was advised by Bank of America that too much time had gone by trying to open the file and that we are now too close to the upcoming foreclosure and that Bank of America will no longer entertain a short sale. 

Bank of America has agreed that the issues and delays were internal but their unwillingness to work with us because " too much time has passed '' is completely contradicting to them admitting that the mistake was on their end. 

It is not fair that XXXX XXXX should have to pay the price because Bank of America can not figure out how to practice their own internal procedures without errors. Their borrower has reached out for assistance and is being denied it for a reason that is not in her control.
I have several hard inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. XXXX, XXXX, and Experian are stating that " inquiring are a factual record of file ''. How are these inquiries factual when I have no account. Furthermore, they have no knowledge of me doing businesses with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries. Frade Alert has been placed on my report now as of XXXX. 

None Account Inquires -XXXX XXXX ( XXXX/XXXX/XXXX ) - XXXX XXXX XXXX/XXXX/XXXX ) -XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) -XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX Federal Credit ( XXXX/XXXX/XXXX XXXX XXXX Team XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX/XXXX/XXXX ) - XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Auto ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX/XXXX/XXXX )
Back in XX/XX/XXXX, we purchased our home, we secured a FHA loan through XXXX our home purchase price XXXX, we put up XXXX cash down payment. Not long after we received notice our contract had been bundled and sold to Nation Star Mortgage, now Mr. Cooper. In XX/XX/XXXX we were met with demands for a crossing permit fee from a railroad, XXXX XXXX XXXX, XXXX XXXX XXXX.who 's tracks we must cross to access our homes, We reviewed the permit with a legal advisor and were told not to sign the demands as we surrender our property rights to this railroad. Not long after, we were met with a legal notice filed by the XXXX listing us as the defendant in a legal lawsuit filed against our property for " quite title trespass ''. Case # XXXX   in the Circuit Court in XXXX County Oregon. We purchased Title Insurance and our law firm sent a document direct to XXXX XXXX   company where between XXXX and XXXX we were told there is no way either were responsible for what happened to us? The XXXX  went back decades and found a flaw where one property owner neglected to retain a crossing permit on record in XXXX  County and the XXXX claims we, and all the Residents on our Country lane are trespassing to our own homes. We were advised to not make a payment until this matter is resolved. My first thought was contact Nation Star and have them work with us, to date, now going on six years later, we haven't been able to access Nation Star Mortgage, I had an office lady hang up on me when I tried to make arrangements on our home. We owe 29 months and Nation Star has foreclosed on our home, they want to sell our home but simply can't until this mess is settled. This mess was a direct result of the Oregon Legislature gifting millions of stimulus with no strings attached to the owner of XXXX, who pre planned to take away our properties, XXXX  was offered millions in more stimulus to drop this lawsuit and declined, we prevailed in Circuit court and currently awaiting the Oregon State Supreme court ruling, we have been advised this will never be over! Why did we put up XXXX  in down payment to become bad people? We didn't, we feel we are owed a way out of this mess via. NationStar, we could care less about getting our XXXX back, ( however, we think we are entitled to a full refund ) we just don't think we should be making payments on a home we are trespassing to access, we also can't understand how any bank could loan money if there is a title defect? XXXX  County Oregon also owns our access road called XXXX XXXX, should this XXXX buy this property from XXXX  County, it would restrict access via. any and all vehicles. This is insanity! Nation Star Mortgage wants nothing to do with us, we just want our credit history cleaned up and Nation Star to go away and we will gladly move. Why would we make a single payment if we can never sell this home and if we are trespassing to our home? I'm more than sure a bank will never loan a XXXX   on any property on our XXXX XXXX ever again. You can XXXX search ... XXXX XXXX XXXX vs. the People on XXXX XXXX in XXXX XXXX  Oregon for more details.
XXXX XXXX XXXX XXXX & Bayview Loan Servicing LLC have jointly engaged in fraudulent and deceitful tactics designed to prolong, frustrate and extend the reasonable time allowed to furnish a mortgagor documents demand in a closing such as payoff letter, conditional lien and XXXX release upon full payment and cancelation of assignment of rents upon payment in full. The tactics have proven to be very profitable where month after month they collect on additional mortgage payments and interest that would not be otherwise due. In addition, they are claiming illegal and unlawful fees to record a mortgage discharge and for payoff letters which are totally abusive and illegitimate. I have asked for a copy of my mortgage which they provided for a fee because they claimed all the fees would be detailed but none of it was true, these two company whom pretend to be distinct actually share same office space and ownership and I believe are employing extremely fraudulent tactics. None of it is getting noticed by anyone on the enforcement side. it must be someone protecting them again, I demand a full investigation into these illegal and fraudulent conduct by such bid companies that affect the lives of so many consumers.
On  XXXX /2017  , I mailed a regular mail request to validate, it was not responded to by central financial /Syndicated office.  XXXX / XXXX / 2017 , I mailed a certified request to validate debt, give accounting of fees of the debt and other item s ( 2nd letter ). 3rd le tter, I mailed certified request to delete to the collection agency also, based on FDCPA and TX finance code and the letter on  XXXX /2017   not being responded to ( sent  XX/XX/  2017  ), this was the second certified letter. The request was not responded to as of today. Per the law they do not have to, however they do have to cease/stop all collection activities including, reporting to my file with all CRA 's. Note : I mailed a certified copy of the letter sent to the collection agency to the  XXXX  CRA 'S certified, so they could see what I mailed on the day that I mailed. Today is  XXXX /2017  , they have not responded to either letter. The second certified letter gave  them 10 days to respond. They refuse to communicate with me, and as of today have ignored all of my legal communications. My attorney will be contacting them in 2 days also, however, they need to follow the LAW.
Us Bank charged me fees for items that cleared my account with a positive balance. Then when I filed a complaint they threatened to shut my account down. They paid me XXXX of the fees back, but they still owe me XXXX of them.
Nothing. I just want this debt removed from my credit being that the car was repossessed and 8 months after you reported to my credit that the car was affected by natural disaster.
On XXXX XXXX, 2016, the tank to the toilet broke. As any logical person would do, we turned the toilet inlet wall valve to stop the water flow to the tank ; this valve failed while turning off the water supply - the valve stem popped out of the valve housing. These causing flooding in the apartment. We filed a claim with XXXX to get the toilet fixed. A claim was filed with XXXX for the toilet damage for {$1000.00}, our insurance policy covered the cost to fix the toilet. Additionally, they stated that we are not legally responsible for the property damage claim filed by XXXX XXXX XXXX caused by the faulty valve. XXXX is a very reputable company. They covered the damage that was caused to the toilet tank to get repaired. We should not have to pay for equipment damage that is not up to industry standards nor maintained and owned by the XXXX XXXX XXXX. The sent us to collections for the cost of the damage done by the faulty valve for {$3200.00}. We asked them to show us what their insurence has paid but they will not give us any information, I suspect that they are asking for reimbursement for claims already settled by their insurance company. We have followed and taken all steps to resolve this issue, including contacting them and I.Q. Data International by telephone calls, visiting the front office, email and certified mail - every step we can think of. We have filed multiple disputes with I.Q. Data International, Inc and XXXX. I have had tired to have many conversations with XXXX XXXX XXXX but they have not responded. They have changed their email and their website is no longer up/active. We are no longer able to get in touch with them. Our last step will be taking them to small claims court if they do not take any action regurding the false claim that they have made to collections. Thank you in advance for any assistance you may be able to provide.
On XXXX XXXX, 2015, I received a call about irregular activity taking place with my TD Bank debit card on XXXX XXXX, 2015. I was n't aware that I was missing my debit card until that time, and I confirmed with them which transactions were made. They told me I had to wait until those transactions posted for me to file the dispute, which I then did as each of the XXXX items posted. First item was a {$400.00} transaction at a pharmacy. The XXXX item was a {$220.00} charge at a restaurant in XXXX. The third transaction was at a XXXX for about {$4.00}. The fourth was another XXXX XXXX transaction for about {$3.00}. And the last was a {$16.00} cab ride in XXXX. All happened on the same day, but posted at different times. They immediately closed the card though. On XXXX XXXX, I called to check the status of the dispute, and found that the bank rejected the claim. The reasons for the denied claim were : 1 XXXX The transactions took place within XXXX minutes of an undisputed transaction ; 2 XXXX there were no attempts to use the card after it was closed ; and 3 XXXX my history at one of the terminals. 

Now, I am taking a board review course in XXXX XXXX, NY. 19 minutes within XXXX XXXX could be anywhere in XXXX, XXXX NJ, the XXXX, XXXX, or XXXX. Also, all the transactions were done on the same day, which was the XXXX, though they each posted on different days. Just because the thief did n't attempt to use the card the next day, does n't mean that it was n't fraudulent. Is it inconceivable that this person knew that they only had a limited window of opportunity to use the card? Lastly, just because I used the card at one of the same locations, does n't mean that it could n't be used at that same location. I used it for a {$55.00} transaction a day or two before at XXXX XXXX pharmacy. The fraudulent transaction at the same location was for an amount of {$400.00}. I 'm not sure how or why that could be held against me and validate a rejection of a claim. 

Anyhow, after the first rejection, I filed a police report. Then I resubmitted the fraud claim, and it was denied for the same exact reasons. That is why I 'm contacting the consumer financial protection bureau. Please help.
t
his company accessed my credit with no permissible purpose and without my written or verbal consent. The credit bureaus refuse to remove it and state that I must contact the creditor. This is not a case of ID theft or Fraud. This is simply a case where CHASE accessed my credit file without my written or verbal permission or the credit bureau reporting a soft pull as a hard pull. Either way it must be removed per the law as no permissible purpose exists and never has. I need this inquiry removed immediately.
Account name CHASE Date of request XXXX/XXXX/2017 Comments per the bureau : Unspecified inquiry ( NO PERMISSIBLE PURPOSE )
I have made regular and consistent payments of {$170.00} each month to Navient to pay my federal student loans serviced by Navient. Navient stated that I failed to pay my federal loans for 7 of 12 months in XX/XX/XXXX and 4 of 12 months in XX/XX/XXXX. I provided documentation of the completed auto payments made from my checking account, electronically paid to Navient for federal loan payments for 12 of 12 months in XX/XX/XXXX and 12 of 12 months in XX/XX/XXXX. I have provided proof that I made payments properly and automatically each month.