WillisBack/dataset-financial-user-claim huggingface dataset:
The Dispute That I have with Select Portfolio Servicing, Inc. ( SPS ), is that as the servicing Mortgage Company they have yet to provide me with Written Proof ( Copy of Title Deed, Sale or Property Transfer ), of the Property at XXXX XXXX XXXX, XXXX, GA XXXX ; SPS Account Number : XXXX. SPS disclosed the Name of a Bank to me in a letter dated XX/XX/XXXX, yet the XXXX XXXX County Tax Records, and the XXXX County Tax Assessors Office, records reflect as of today, XX/XX/XXXX, Parcel Number : XXXX XXXX XXXX, lists that property in my name with a " Fair Market Value '', of {$95000.00}. 

SPS has sent me more than thirty ( 30 ) letters since XX/XX/XXXX, first stating that they are/will be the Mortgage Servicing Company, and beginning XX/XX/XXXX, that I can/should began making Mortgage Payments to them instead of XXXX XXXX? 

I believe that the Law allows me to question a Creditor/Debt Collector, as to the Validity of any Debt? The home in question was transferred to XXXX XXXX  on XX/XX/XXXX, by participating in an On-Site Appraisal, arranged by XXXX XXXX, and after Joint Photos/Pictures were taken, the Keys were taken by the XXXX XXXX   Appraiser, and the Locks were changed, afterwards XXXX XXXX issued me an IRS Transfer/Abandonment XXXX Form, which has also been provided to SPS. 

SPS is fully aware that I am under Federal Bankruptcy Protection, and am not personally liable for the property, additionally, the Property Transfer back to XXXX XXXX is documented by the XXXX. SPS is outright attempting to intimidate me into making Mortgage Payments, which I believe to be in violation of the Law, therefore, I contacted the Bankruptcy Attorney that handled the bankruptcy and asked SPS to contact him, which they have not done. 

SPS 's latest attempt to punish me, came on yesterday, XX/XX/XXXX, when I was contacted by Text and Phone Call from XXXX XXXX XXXX in XXXX, GA. 

I contacted the Office of the Comptroller of the Currency, and received a letter from them dated, XX/XX/XXXX, and they told me to Submit a Complaint to CFPB, as you have jurisdiction for these matters, and to also contact the Georgia Department of Banking and Finance for assistance. 

I contacted the Georgia Department of Banking and Finance, and was told that the only way that they could/will assist is if my Complaint is referred from the CFPB to them. 

Can you please forward my Complaint to the Georgia Department of Banking and Finance.
the former address in my Experian credit report appears two times. the second time appears as multifamily. 

Swapped addresses in my XXXX  credit report. It shows my former address as my current one and vice versa.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have contacted XXXX XXXX directly and through the credit bureau 's as well. I have asked this collection company to remove this false negative account from my credit file and or show just cause of any accuracy for reporting. To this date I have yet seen any documentation bearing my signature and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this negative information be removed from my credit file immediately as this is hurting my credit worthiness. 


I have maintained copies of these notarized letters and dates. 

Thank you for your help.
I have several credit cards with Synchrony Bank and they recently restricted my accounts. This restriction denies me online access to my accounts. This is a problem because all of my accounts are signed up for autopay and I am to able to make any changes to this during this time.
Incorrect information on credit report : Account status ( paid bill on time, account closed, etc. ) No proper investigations took place, despite requests for them dating to 2013.
XXXX XXXXXXXX XXXX XXXX  XXXX {$480.00} You must provide 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. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, reportability of this listing. 
There is no contract or valid claim I also contacted original creditor ( XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice
Citibank Exe Response Unit has sent me a copy of a falsified closing of a Heloc loan for XXXX XXXX XXXX XXXX.  The document was never seen by me before Citibank supplied it by email XX/XX/XXXX and has a signature for me fromXX/XX/XXXX but was not signed by me.
The document does not accord with the requirements of the Heloc department which has told me that they do not ask for social security numbers.
The document datedXX/XX/XXXX requests that the account be closed immediately Citibank variable rate account source sent by Exe Response shows the account open throughXX/XX/XXXX. I have supplied the document to the Citibank Heloc department attn XXXX ( supervisor ) for verification.
In XX/XX/XXXXper a letter of authorization Citibank was to produce all my documents to me.They failed to produce the mortgage for XXXX XXXX XXXX XXXX NY XXXX I have repeatedly requested these documents and have been told that they are not in their computer. I would like a copy of all mortgage documents including the closing and any loans.
This complaint is related to the complaint you investigated per the letter from the Attorney General concerning the false POA documents to XXXX XXXX  and several other lawyers used without my knowledge on Citibank mortgages.
On XX/XX/2017 around XXXX XXXX PST time I contacted XXXX 's Rewards Platnum regarding my credit card. They said I had to reopen the account. Contacted XXXX and asked to sign up for an account.. BUT asked this question Do I become a plantnum member right away. Their response was Yes! 

XXXX promised I would become a Plantnum instantly if I signed up for the credit card, But after I signed up I was told I have to wait 30 days from the XXXX rewards program. 
I would not have signed up for this credit card if I knew I couldn't become a plantnum member right away. XXXX is promising services for people opening credit cards that aren't true.
There are 2 Portfolio Recovery Associates for amount of {$2000.00} and {$550.00} that does not belong to me. I have sent Portfolio Recovery Associates a debt valuation several times with no response
I had an auto loan with my then husband with World Omni Financial Corp. My husband was delinquent on the loan and on XX/XX/XXXX gave verbal consent for World Omni Financial Corp to take the vehicle. When the company called me, I told them I would trade the vehicle in and have the auto loan paid off. I was able to do that, World Omni Financial Corp received their check. I requested the " notes '' of the phone call on XX/XX/XXXX done by both myself and my husband. They refuse. I have been literally begging them to provide me with the transcripts of the phone call. I'm due in court and I desperately need those notes taken to clear my name. please help
I was declined credit from XXXX XXXX for erroneous reasons. My credit score is high and I have no credit problems. After receiving a denial letter I tried to get a copy of my credit report and was put in circles by Equifax to receive a copy of my credit report. 

It seems this system was designed to create a problem so the consumer would go away. 

This is unfair and the only recourse we as consumers have is you. PLEASE institute programs that provide EASY access for consumers. These credit companies are NOT consumer oriented and that needs to change PLEASE protect the consumer
they have refused to contact me on XXXX occasions last attempt was XXXX. they are reporting a debt i do not owe, they are know for doing this, they are all over the internet ripoff reports.
I received a identity theft affidavit from U S Bank Mortgage. I got it notarized and sent the packet to Customer Service Research -Fraud. Mail Location -XXXX. XXXX XXXX XXXX XXXX Kentucky XXXX. XXXX : XXXX XXXX - U S Bank Mortgage. I sent this on XX/XX/2017.
There are items on my credit of medical bills that are NOT mine and I would just like it removed and be done with it. I am a healthy male that has not been to the hospital or need to go. SO this bill is not mine.
Since receiving the loan, Duvera Financial has made numerous mistakes with my credit card not going through. The very first month, they input the wrong expiration date, which put XXXX returned payments on my account. There was also a card charged on my account that I do not own. Due to the returned payments, I was taken off the " 90 day '' plan and am now being charged daily interest rates.
XXXX XXXX purchased 4 defaulted credit card accounts in XX/XX/XXXX or XX/XX/XXXX that were defaulted and written off in XX/XX/XXXX. They have sued me repeatedly for $ XXXX in court over these old accounts and now falsely damaging my credit with false information show the open dates as XX/XX/XXXX which is incorrect. I went in default in XX/XX/XXXX during a custody battle over my grand kids in my custody through XXXX. I am divorced and in college trying to rebuild my life.
my wallet was stolen along time ago and now im receiving a letter stating I owe a banking institution this is not me
Chase sent me an amazon.com credit card that I did not request. When I called to inquire, they asked if I had aver had a Chase account. I said that Chase bought my bank a long time ago, but that I had closed the account. They implied that the card may have been sent to me as a former customer. I asked that they close the account and they said that they would. When I checked my credit report a month later, it showed an inquiry from Chase ( dated before I received the card ) regarding a loan or credit application. ( The type of inquiry that could affect my credit. ) The card did not show up on my credit report one or two months after receipt. I am concerned that the inquiry could affect my credit rating and annoyed that I had to use two of my three annual free credit reports to be sure that Chase closed my account as promised. It also is annoying that I had to spend so much time on this issue.
Representatives from Weinberg Mediation have continuously called my work number leaving this message on my voicemail. I have told them before not to call me at my place of employment. They continue to call. 

I received this message today ( XX/XX/2017 @ XXXX ). 
This is a final courtesy call from the Weinberg mediation group. Before reporting that you 've been uncooperative in the investigation against you. If we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Again that 's XXXX. Thank you. Good day ....
I requested validation of all the medical bills that are reporting on my credit as collection accounts, and I received a detailed breakdown of the treatment that was performed on me for the dates in question. However, this is violation  of HIPAA law as this does n't satisfy validation of the collections accounts, but only my personal information regar ding treatment.
In XX/XX/XXXX, I opened an account with XXXX, account number XXXX, in response to a promotion at the store. The clerk at the store used an old address ( off my driver 's license ) to open the account instead of the correct address I wrote in handwriting on the application. When I called to close the account ( because I never received an actual card ), I was told that the statement was sent to the old address in XXXX and that they would send me a statement for the account balance of {$23.00} to my new address. The account was closed on XX/XX/XXXX, and I sent a check for {$23.00} for the account balance on XX/XX/XXXX. XXXX then sent me a new account statement for {$24.00} in late fees for a {$23.00} balance even though any late fee was attributable to their own mistake in issuing a card to an old address. They continue to mount late fees of 100 % interest each month. Please help. XXXX XXXX
I submitted a dispute with all XXXX credit bureaus ( Transunion/XXXX/XXXX ) informing all parties such as the Credit Bureaus and the creditor that these accounts does not belong to me due to been a victim of identify theft during XXXX data benches. After notifying the credit bureau via online disputes/phone calls/letter notification I continuously receive notification stating " verify ''. I requested supporting documents from both parties requesting signature, contract, state license information and etc. Under the Fair Reporting Act I understand my rights as a consumer and verify the matching of my name and social does not coincide with verification. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate with accurate documentation be provided. I have submitted a claim with Federal Trade Commission regards to this issue. It is my right If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
ACCURATE performed a background check on me for clearance to enter a building owned by  XXXX , where the new  XXXX  offices will be housed. The background check indicates that I have an  AKA  of  XXXX   XXXX , which is incorrect. This name has showed up on past credit reports. Ther e may have been a likeness of social security numbers resulting in the error, or it may h ave been someone trying to obtain medical coverage or other type of identity theft.     Second, the report shoes incorrect timeframes for my residing at  XXXX  addresses. Although I did reside at those places, the time was n't for the duration shown. There were other addresses in between.
I would be very VERY cautious before ever EVER getting a mortgage with XXXX XXXX. If you do you will be inundated with mail and email solicitations trying to get you to refinance. The mail solicitations they make look like something you need to open and when you do it will just be another sales pitch. You get so many that you begin to routinely throw them away rather than waste your time ... but beware ... in the process you might throw away their annual escrow analysis. So even if you have the mortgage set up to be automatically paid by your bank 's bill pay system, you will suddenly not be paying enough. They will call you and email you non-stop to refinance you but will they tell you your payment was a little short? Nope!! So although you send them your payment, they will take the payment and sit on it ... and not apply it ... because it wasn't the new full amount. Then they will report you late to the credit bureau. 

They never sent it back they never called me to let me know they were just holding it in limbo. Instead they reported it 1 times 30 days late on my credit report despite that I had paid on time just was short by their new escrow adjustment. I brought this to their attention and asked them to correct the error since they actually had almost the entire amount of my payment. Their response was " This correction would be considered a courtesy and we are unable to honor the request. '' Again, be wary of doing business with this company. They are very dishonest. My credit history is spotless except for this because I always pay my bills on time. Please help me get them to fix this error.
My client, XXXX XXXX XXXX, submitted an application to refinance XXXX homes. It was a very long process. She provided all the information needed. Eventually a loan was offered. She approved of the terms and went forward. Closing disclosures were sent to her on XXXX XXXX for the XXXX properties. She signed with a notary sent by the closing agent. She submitted a check for the cash due. About seven days passed when the lender ran a new credit report, found her score had gone down, and denied her the loan on the terms she signed for. A new offer, with more expensive terms, was then offered to her.
Equifax is reporting an inaccurate credit limit on my XXXX CARD account. My credit has been increased to {$8000.00}.
Recently while conducting a monitor of my credit report I discovered that FOCUSED RECOVERY SOLUTIONS has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
XXXX XXXX XXXX XXXX is a XXXX homecare services based in Minnesota. We issued a payroll check to a staff. The staff deposited the check with TCF online into her account number and the check posted as paid by XXXX on XX/XX/18. TCF refused to credit the staff account on the ground that they were investigating the check, despite the fact that it had posted. A manager from healingtorch and the staff went to the TCF bank on XXXX XXXX XXXX XXXX in XXXX XXXX MN XXXX, and met with the Assistant Branch Manager on XX/XX/18 to clarify the authenticity of the check and payment. Evidence detailing the withdrawal from the business account and the check image received from XXXX that payment has been effected from XXXX were shown to them including the company 's online business account. Despite all effort, TCF refused to credit the staff account with the money posted to them from the XXXX business account of XXXX. This Bank 's action jeopardise our action to provide effective client service, diminishes our organization 's obligation integrity and put our staff in financial difficulty, and is unacceptable. See attached files for evidences.
I applied in branch for the Citi XXXX Card. I was informed by the banker that I would be eligible for the " in branch offer '' of XXXX Thank You points and {$350.00} annual fee, as opposed to the online offer of XXXX Thank You points and {$450.00} annual fee. For this reason, I decided to apply. Upon satisfying the sign up requirements, I noticed that my account was only credited XXXX Thank You points and my annual fee ended up being {$450.00} ( similar to the online offer ). Turns out that after a quick google search, that the in-branch offer was only available if you signed up for a checking account as well, however I was not informed this in branch. If I had known that this was the case, I would n't have applied for the card to begin with. I spoke to Citi a few months ago about my complaint, but they were unable to offer a compromise. I am still very upset about this and frankly I feel cheated - I only just found about CFPB and figured that I would document my story here so that others do n't make the same mistake that I did.
I submitted a form for a XXXX, a mortgage assistance program, to my mortgage servicer, Bayview XXXX XXXX XXXX. At this time, my mortgage is at XXXX XXXX % and the monthly payment represents more than 65 % of my gross monthly income. I started the process XX/XX/2016 and now after XXXX representatives and sending all the documents needed. It is clear to me that they have not presented my documents to the government program, XXXX. It is clear to me that Bayview XXXX XXXX is catering to the investor who is holding my mortgage, XXXX. With interest rates so low, why would they release my mortgage to be amended under the XXXX program. They did n't submit my application and denied my request to submit it. I tried to refinance but my income is too low so I was denied. I have been paying for 11 years and am current but it is very difficult for me at this time to continue paying such a large portion of my income to stay in my house. The government should be going after the loan servicing companies because they are abusing people like me.
A medical office sent a bill to collections that was not suppose to be sent because. They where suppose to automatically with draw from my account and did not. So it was sent to collections. But it has since been pulled from collections because of there mistake.