WillisBack/dataset-financial-user-claim huggingface dataset:
Setting the Standard is SPECIALIZE LOAN SERVICING 'S SLS motto. However, for 2 and half years they keep saying they do n't have all my financial docs and that is the reason no mod to date. In my previous complaint I mentioned retaliation from SLS for reporting to CPFB XXXX. So I have soooo much proof that I sent all the docs requested - yet XXXX continues. To solve this problem with SLS I am going to create a XXXX PAGE and POST ALL MY PERSONAL FINANCIAL INFORMATION since SLS keeps losing it. MY TAXES, MY SSN, MY BANK STATEMENTS, THE COMPLETED RMA FORMS AND FAX RECIEPTS AND ALLL THE PROOF THAT I SENT EVERYTHING SLS ASKED FOR SO THE WHOLE WORLD CAN CLICK AND LIKE XXXX AND SHARE THEIR STORIES ABOUT SLS. I 'd bet I could get XXXX Likes XXXX - a few good lawyers and a few good news stations interest to help my in this F, F, F, F, F, F, F FARCICAL SETTING THE STANDARDS of SLS. Now there are actually good people working at SLS. The last one I talked to said " an appeal letter is coming in the mail '' she was nice and sincere and somewhat intelligent but NO appeal letter ever showed UP!! I did receive a modification on my other property so it ca n't be that I do n't qualify .... it must be the disorganization of SLS losing my personal financial letters. XXXX here I come!!!
I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on My two XXXX XXXX XXXX accounts, and XXXX XXXX XXXX,
I completed the Fraud paperwork mailed to me by Navient, obtained a police report and gave a detailed letter as to what I believed happened and how XXXX was able to get access to my social security number and other personal information. They received my completed packet called XXXX XXXX, the representative for Navient said the case is closed as they called XXXX asked if she had permission to use my personal information for the purpose of the loan, they stated she confirmed I did give her permission to place me on the loan as a cosigner and they then closed my case.
Experian is not responding to any of my requests to investigate and remove accounts from my credit report that were opened fraudulently.
I have been contacted by Mountain Land Collections multiple times in the past regarding a medical debt that is not mine. The first time they sent me information regarding the debt I properly addressed a dispute letter to them asking them to validate the debt. I never heard from them. They did not send me validation of the debt but they did add the debt to my credit report. I have recently drafted letters to each of the credit bureaus, an example of XXXX which is attached, making them aware the debt is not valid and to remove it from my report. Most recently, this company, along with their attorney XXXX XXXX XXXX, filed a judgment against me for the debt and served me at my home.I did as instructed and responded to the suit with a defendant answer denying the suit because they did not validate the debt. After this, XXXX XXXX XXXX 's office contacted me to set up a payment plan. I informed them that I was not refusing to pay the debt, simply requesting validation of the debt. They have still not provided me with this and they have unlawfully charged my credit card for {$100.00} for the first payment in their plan that I did not consent to. I am disputing the credit card charge with my credit union and a copy of that is also attached.
I was notified and sueing Equifax because of data breach have a security freez for free and XXXX refuses to I filed complaints to CFPB over or about 1oo times now XXXX has blocked me from disputing information on my credit account, Because of the Equifax data breach I see on Equifax information hard inquiorys I didnt aplly for so called the companeys on the list and they have not ever heard of me and dont have me on file ever apllying so contact XXXX and they refuse to do anything then I found out that someone was working under my information in XXXX XXXX I live in XXXX. 
Then I wrote a letter to them 19 times about the problem they blocked me from writing then I had a piad account but they blocked me from that then after they blocked me from online account they still charged me for servicesw till my bank XXXX XXXX blocked XXXX from all accounts so no one can use there cards for them. 
then I called they blocked me form calling but by law they have to send me a letter showing the reason they blocked me and they have not I know this for a fact because they dont even have my right address so could not even send me anything so they told at one time that they dont dispute hard inquiries I had to contact they companies directly but they cant do anything because they dont even have me on file so they dont have nothing to dispute on file so they cant help, then I contacted XXXX they said cant help me even with a police report they dont care. 
Then when I call they say I am blocked, online I am blocked then write a letter they reurn it in there self addressed envelope and return it to me with a letter saying I am blocked from writing, I did CFPB complaints on them then they tell me to call them when I call they say I am blocked from calling to right them so I write them they return it saying I am blocked from writing then I go on line to dispute the isue and I am blocked from my account saying I have to write they keep saying this on response to my CFPB complaint then when I respond they restart by telling you to call in there response all over again. 
Then I have a friend they worked for them they said on complaints through CFPB are all automated responses and a real person never responds to the complaint ever, and on the account they show I have 5 new hard inquiries as of XX/XX/2018 and score dropped and then I look and there is no new hard inquiries since XX/XX/2018 so they enter peoples account change records for score with nothing changing on the account fraud Identity theft and XXXX   and Equifax and XXXX are showing inquiorys that I didnt do all being done because of the Equifax data breach all three tell me they cont care and cant help me.
My mortgage servicer is in violation of our mortgage agreement and the Homeowners Protection Act of 1998. I need to know how to report this violation of federal law ( i.e. which agency is responsible for enforcement ).
The key issue here is that netspend debit cards are marketed and sold next to giftcards in pharmacy and convenience stores, but the XXXX classes of cards have significantly different rules of use. As a result, people buy debit cards, thinking they are gift cards, and when they are given to their recipients, they are done so without the recipient agreeing to significant fee rules which start upon *purchase* of the card ( vs *activation* of the card ), at least in the case of XXXX debit cards. As a result, the card value can be greatly reduced from the original value even before initial activation. 

The story : My kids received netspend debit cards from their grandparents for XXXX, each with {$75.00} on them. My parents thought they were giving the kids gift cards, not reloadable debit cards. Kids being kids, they forgot that they had them, and by the time we activated them 5 months later, they both were expired, and XXXX had a value of {$57.00}, while the other had a value of {$32.00}. In addition, a significant amount of personal information was needed ( social security number, address, etc ) to activate and use the cards. While the agent was able to arrange for the kids to have the remaining balances, l 'm extremely disappointed with the significant fees that were incurred before the cards were activated, and the difficulty in receiving back the cash originally put onto the cards. Basically XXXX received {$60.00}, 40 %!, of the money paid while providing absolutely no product or service ( other than a plastic card to be given as a gift. ) This just is n't right. I do n't know what to tell my kids about the gift they received from their grandparent - how do you explain to a XXXX that the bank took over half of their money? 

A cautionary tale to be told far and wide. It really is terrible to market these cards next to gift cards that have totally different rules so that someone mistakenly picks XXXX up to give as a gift, and for the receiver to be subject to unknowingly be subject to significant fees - I as a receiver did n't agree to these terms, yet I suffered the consequences. It really is n't right.
JVSGROUP {$2600.00} {$0.00} 4 accounts reported on XX/XX/XXXX 0 accounts reported on XX/XX/XXXX Open Account # 1 {$1200.00} Balance XXXX  CLINIC Original Creditor {$1200.00} High Balance XX/XX/XXXX Opened DateXX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
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Dispute an Error This agency did not report an open account to this bureau.
Open Account # 2 {$900.00} Balance XXXX HOSPITAL XXXX Original Creditor {$900.00} High Balance XX/XX/XXXXOpened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
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Dispute an Error Open Account # 3 {$150.00} Balance XXXX HOSPITAL XXXX Original Creditor {$150.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
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Dispute an Error Open Account # 4 {$360.00} Balance XXXX HOSPITAL XXXX Original Creditor {$360.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
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This company refuses to provide me verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ) on 4 collection accounts in their office. I am demanding proof of this debt for any and all accounts. Consider this a direct dispute because this is not my debt and this is defamation of character for all 4 accounts. I have spoken with numerous people that this company has done this too. They are very hateful on the the phone and use many unfair and deceptive collection practices. Last 4 of my social are XXXX  and my address is XXXX XXXX XXXX XXXX TX XXXX. I need proof I owe this debt. Also I will be contacting an attorney to seek actual and statutory damages against you and your client. I will also be contacting your client to notify them of your unfair practices and inform them what kind of agency they have hired.
I applied for a payday loan through XXXX. I received an approval from XXXX XXXX XXXX. I answered questions and then received the contract. I signed everything, but then I was asked for my bank statement and pays stub. Reluctantly, I supplied. I questioned it because I was already approved. I simply requested {$500.00} for one week. I was told all the details before submitted the requested documents. After submitting, I was unable to contact them after several attempts. Then I received an email that I was denied. I would not have followed through with any documentation had I know I would be denied. This all seems super, very suspicious to me. They now have my banking information and a signed contract permitting deduction of the loan from my account.
I had ordered a set of home theater recliners from XXXX XXXX on XXXX XXXX, XXXX. 
When I found out the order did not come with white glove delivery I cancelled the order. 
The item had not been shipped by the vendor and I did not receive anything. 
According to the merchant ( XXXX XXXX ), the credit was issued on XXXX XXXX, XXXX. 
I had set up a dispute through Chase bank the card issuer. 
I have made several calls to the Credit card company inquiring about the status of my dispute. 
Initially I was told by the Chase that the credit will be applied on the XXXX. 
When I did not see the credit on the XXXX, I called again and was told it is under process. 
Now when I called today ( XXXX XXXX ) I was told that nothing has been done and they need to enter the information again. 
I also made several calls between them. Please get all the recordings of my calls to find out how the representatives, supervisors there are lying or are totally incompetent.
I been getting calls about my loan and made arrangements to pay but didn't have the money at the time even though i was late by one payment.I got a harassing call XX/XX/2018 about my loan from this guy name XXXX telling me I'm always late but i told him I'll be there to pay this Saturday but he kept on harassing me about a payment even after i gave him a day i was gon na pay it.This company he works for is XXXX XXXX.He kept calling my cell phone leave demands that come in and make a payment today but told him that i maybe late sometimes but I'm trying to pay and I'm only one payment due.
I have been working with my mortgage company on a request to modify the mortgage. I 've submitted financials and the request several times I 've spoken with 3 servicers trying to save my home. My mother passed a year and a half ago from XXXX and I 'm her son that is living in the property. I recently received a property foreclosure notice from XXXX XXXX XXXX stating my property is going to be sold in a property foreclosure sale XXXX XXXX,2017. Please, Please, Help. The letter I received to validate the debt did not show my servicers were three deferent servicers I have not received the foreclosure notice from the servicers as stated on the letter
On XX/XX/18, I signed up for a Citi Bank offer that promised {$400.00} bonus if 1 ) both a new checking account and savings account were opened and a combined balance of {$15000.00} were deposited within 30 days, and 2 ) maintain the {$15000.00} balance for 60 consecutive calendar days. As of today ( XX/XX/18 ) Citi Bank is still offering this promotion. See https : XXXX? XXXX XXXX  XXXX for more details. 

My application for both a checking and a savings account was approved and activated on XX/XX/18 and I deposited {$15000.00} ( {$14000.00} in checking and {$200.00} in savings ) on XX/XX/18, which means I should qualify for the {$400.00} bonus after XX/XX/18. I reached out to customer service in XX/XX/2018 and was told that it takes up to 90 days after the requirements were met for the bonus ( which I did meet on XX/XX/18 as mentioned above ) to be deposited which would put it at XX/XX/18. I reached out again on XX/XX/18 and was told that it will be deposited after XXXX 's billing cycle or by XX/XX/18. 

The bonus failed to show up again and I reached out for the third time on XX/XX/18 and this time I was told a case is open with their back office to investigate the issue and they will be in touch within 2 business days. No one got back to me at all and I decided to reach out one last time on XX/XX/18. This time I was told that the case had been worked on, but not resolved and there were no updates. The representative said she marked the case urgent and promised a resolution, but at this point I have no patience or confidence left and I also don't believe they're serious about getting me an answer or the bonus. I've seen numerous other complaints here about the same offer and this is borderline fraud! Please help!
this is an issue of debt collection abuse this is against the lawportfolio recovery associates has a pending case of debt collection abuse from cfpb
I received a collection letter from EOS CCA ( " the Company '' ) in XX/XX/XXXX and disputed the validity of the debt. I recently received a letter from the Company that they were using to verify the debt they were trying to collect. The items that were supplied show dates as of XX/XX/XXXX although I told the company that the debt was settled XX/XX/XXXX with the original agency. I am asking the company to verify that the account is a current account and they are pushing that burden on me although this is a requirement they should be doing. I have contacted the child support agency they are claiming to collect for and they are stating my account is closed with no balance, so I am sure this is why I was provided with documents from XX/XX/XXXX.
I received my credit report showing Kansas Counselors as a collection agency. The listed account was XXXX. I sent certified letters XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. In the first letter, I requested verification showing this debt belong to me. I have consistently asked for this information. Unfortunately, they have not provided the documents I have asked for ; however, they continue to communicate with the credit bureaus this debt is verified. Due to this inaccuracy, my credit score continues to decrease, my credit offers come with high interest and most times I am denied credit. I am need of your assistance in this matter.
on XX/XX/XXXX I was contacted by XXXX XXXX XXXX XXXX. I was given information that was I qualified for a loan forgiveness program to help me pay off my federal student loans. I agreed to allow XXXXXXXX XXXX to find a program that would work for me for an approximate {$8000.00} fee that would be taken out of my account in monthly payments. At this time I was not informed that my loan would be reconsolidated by another loan company called Navient. I was also not informed that by reconsolidating my loans it would cause me to loose my 18 months out of the ten years of on time payments made to XXXX XXXX that would qualify for the 10 year forgiveness program.On XX/XX/XXXX I was contacted via email by a representative named XXXX ( XXXX ) phone number ( XXXX ) XXXX informing me that some paper work was still needed in oder to complete my application. On XX/XX/XXXX I decided to do some research by contacting XXXX XXXX directly I was informed that I was already enrolled in the " pay as you earn '' repayment plan and I could easily enroll in the public services loan forgiveness plan by simply filling out and sending in an application. At this time I realized that I had been scammed. I was paying {$8000.00} for a service that was not only free but not in my benefit in regards to loosing out on the 18 months already vested. I immediately contacted management in XXXX XXXX XXXX XXXX and spoke with a manager by the name of XXXX. I XXXX apologized for the misinformation and said he would make things right by reimbursing me my money, which he did, and immediately stopping and further process with my loans. 
On XX/XX/XXXX I contacted XXXX XXXX to inquire about my account when was informed that my accounts had been reconsolidated and sold to Navient loans. I contacted Navient where I was told that they did send me out a letter to my home informing me that I had 10 days to stop the process of the reconsolidating. When the representative verified my home address it was completely incorrect! As well as my email address was incorrect! I was never given the opportunity to cancel before the 10 days because my address!!! this is why I am filling a complaint. plained my situation and told him I wanted to cancel my poor arrangement with XXXX. C
I received a letter from Equifax stating someone had tried to get a XXXX Credit Card in my name. This happened XX/XX/2018. I contacted the number on the letter and they told me to fax in a letter with my name, date of birth, social security number, address and email address. I did not do this in fear of it being another scam.
I disputed a loan that was appearing on my Credit History with Capital One Auto Finance. Initially, the Fraud Claim Questionnaire was sent to the wrong address despite my correct address being perfectly clear on the correspondence I sent to COAF in XXXX, 2015. After repeated attempts to reach COAF over the phone I was able to get COAF to send the Fraud Questionnaire to the correct address. I sent in ALL of the requested documentation along with the Fraud Questionnaire, which included a Police Report from XXXX County Florida, and my Drive 's License as requested by COAF 's instructions on the Fraud Questionnaire. I did NOT apply, open, or benefit from this account, nor did I authorize anyone to do so on my behalf. Whoever opened it did so illegally, fraudulently using my personal information and most certainly without my knowledge or authorization. 
Despite all of this COAF refuses to remove the Fraudulent Account from my Credit History claiming I sent a report from " XXXX COUNTY '', Fl. which is almost XXXX hours away from where I reside and got the Police Report in XXXX County., Fl . They are also indicating on my Credit History that payments were made to the account, they were not. I 've never had an account with Capital One Auto Finance, and I 've never made payments to the account I am disputing. Capital One refuses remove the account gain, claiming the Police Report from " XXXX COUNTY '' was " misrepresented '', again, the Police Report that was sent to " Capital One Auto Finance '' was from " XXXX COUNTY '', NOT " XXXX COUNTY ''. 
It upsets me the carelessness of this whole process, sending sensitive material to an address I wo n't even reside at. This despite the correct address being clearly shown on the written correspondence sent to COAF in XXXX, 2015.
My loans were recently transferred from XXXX to XXXX. I was having extra money automatically withdrawn from my account to pay extra towards my loans. XXXX let me select a specific higher interest loan to automatically apply the extra payment to. When my loans were transferred to XXXX, XXXX did not automatically withdrawal the extra amount from my account and in fact did not apply any payment toward the principal of the loan I was making extra payments on. The payment that should have been made to the loan I was paying extra toward was split among my other lower interest loans. 

I spoke with customer service with XXXX and they told me that their automatic payment system can not apply an extra amount to a specific loan. One customer service representative even said that they could not predict how my payment would be split among my loans each month. Obviously this comment was very concerning. They informed me that I could go in and make a manual extra payment on a specific loan each month. However, making a manual extra payment on a loan places the loan in paid ahead status. When the loan is in paid ahead status none of my automatic monthly payment would be applied to the principal of the loan in paid ahead status, but rather it would be split among my other loans. To me, this system makes no sense. My intent is to pay extra toward a specific higher interest loan to pay it off faster. I do n't want the portion of my normal automatic monthly payment that was supposed to go to that loan to be split among my other loans. 

I asked to speak with a supervisor at XXXX and he informed me that they could go in and manually adjust my payment each month so that an extra payment would be applied to the loan I specified. Apparently, there is no other way to pay extra toward a specific loan without messing up how my automatic monthly payment is divided among my loans. I asked to receive a written confirmation that they would be making this manual adjustment each month and received an e-mail with said written confirmation. However, this month they withdrew the extra amount from my account as requested, but did not apply the extra payment to the loan I specified. It is not clear whether a manual adjustment was made or not since it is not clear how their system even handles automatic payments. Regardless, my payment was not applied as I requested and as they confirmed in writing. I e-mailed XXXX requesting that they correct the problem, but it has been 6 days and they have not corrected the problem or responded to my e-mail. 

It was a simple matter to automatically pay extra toward a loan with XXXX. I did not ask for my loans to be transferred from XXXX to XXXX. XXXX needs to provide the same level of service. 

Additionally, when my loans were being transferred from XXXX to XXXX, there was a period where my interest rate deductions were not applied. That is, for a few weeks my loans accrued daily interest at a higher rate than they should have. XXXX informed me that I was not the only person with this issue and assured me they would go back and correct the problem, but it appears they have not done so yet.