WillisBack/dataset-financial-user-claim huggingface dataset:
Please Refer to Complaint Number : A validation of Debt and QWR was sent to SPS however, they have failed to provide the following : * Full accounting from inception to present date to justify the numbers given * SPS claims that my balance is {$790000.00} however i have conflicting accounting which is why i asked for a validation of debt from SPS merely sending closing documents without accounting is not a valid response per the FDCPA * SPS has also failed to provide a mortgage coupon the loan was transferred in XXXX of 2016 and SPS also failed to provide HAMP options as well as alternative options as required by law.
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
For all three credit bureaus, my 8 active loans with XXXX XXXX XXXX are reporting as 90 days late for the month of XX/XX/2018. Previously, the accounts were showing as late for XXXX, XXXX as well, however the bureaus received receipt of my deferment and updates the information. The inaccuracy is that my deferment has been effective since XX/XX/2018, therefore no single account should have any late payment history as no payments are due when the account is in deferment. When contacting the credit bureaus, the response I get is that XXXX has to update the information. When contacting XXXX, I am told that the bureaus can see the date effective on the deferment and should update my reports accordingly.
We went through a foreclosure /modification under the auspices of XXXX County Court in XXXX XXXX New York . Several things happened during this process that we feel were not right. First off Di Tech had held 5 months of payments in Suspense while filing a foreclosure action against us. They did not acknowledge having the money until we brought it up in court. Then miraculously the money over ( 10,000.00 ) was returned to us. After much grief and stress we were finally offered a modification plan still with an exorbitant amount of interest for these times ( 5.375 % ) and we made our trial payments. The referee ruled we had to wait for the bank to put the mods in place a process delayed for no apparent reason by the bank for 2 months until the referee ordered someone to appear before her if this was not done later in XXXX I believe. Our modification period ended in XXXX and we were just making payments as we were told. All of a Sudden XXXX bill came in with additional charges of 300 plus dollars for " Legal Fees " we stated we were told that these fees were what was added into the loan because over 35K was added back to our loan. We were told in Court that these fees were the money we were waiting for them to add on to the mortgage to come up with final numbers. We got these final numbers which was not until XXXX or XXXX. Then in XXXX we get these additional charges and when we called Di Tech they said more would be added in XXXX. We have deducted this 600+ dollars from our payments and told them this money should have already been included in the numbers and at this point if it wasn't it was their loss. 
Today I received a response from Di Tech and the Representative was nasty and said well then they will just add them on to the end number and I said they have already been added in and if they did we would surely be in court again.
Portfolio Recovery Assoc ( account # XXXX/XXXX/XXXX/XXXX/ Im the amount of $ XXXX/ $ XXXX/ {$440.00} ) is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA
This is my second complaint for Navient regarding student loans. In my previous complaint, I asked for documentation showing that Navient owned my student loans. Navient responded with the attached documents. Their response, however, did not include ANY proof of ownership for the following loans that I am currently paying : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
I have been a victim of identity theft. This includes someone using a fake ID to withdraw money from my bank account ending in XXXX. 

The fraudulent transactions include 1 ) XXXX/XXXX/16 XXXX withdrawal 2 ) XXXX/XXXX/16 XXXX transactions from XXXX for XXXX ; XXXX ; and XXXX
I am a customer of the prepaid visa rush card. I believe this was fraud. I have been locked out of my account for over two weeks, I have not had acces to my funds and I have bills to pay as well as a child to feed. Whenever I contact customer service I can not get through and when I do the rep hangs up on me. My balance for my card is very inaccurate. I had a balance of XXXX $ which is for my car payment and now the money is gone. I have no idea where it is and I can not access my money at an atm. If I could please get some help before I am without lights and a car I would really appreciate it.
I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
There was lack of communication from the lender, HomeBridge, and the Buyer and Seller involved in the deal. The lender kept pushing back the closing when they told us it could be done in 30 days. There were just excuses and really no concrete reason for the delay. At first it was because of the buyer 's verification of rent ; but, it was a simple needing the buyer to sign a release form to allow the rental agency to send the documents to the lender. After that I do n't know what the reason was for a 2 week delay in closing. It was a lot of simple mistakes and not owning the issue. Luckily we closed ; but, there was a lot of unnecessary drama involved.
Note : This is my third Complaint with the CFPB. About the same issue with EXPERIAN. Experian it is my Right and Federal Law that you provide me with copies of the Original Signed Contact of the Negative XXXX XXXX # XXXX Account on my credit report ( That Experian should have ). Note : I Am Demanding Copies Of of the Sign Contact with my signature. If fail to do so I will seek damages in the court of law or Experian can Remove this ITEM. This is my last warning!!!
I have a a unverified account from PORTFOLIO RECOVERY. I had previously disputed this account. I have never done business with PORTFOLIO RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
XX/XX/XXXX I received a statement from Macy 's for charges made to my Macy 's American Express Card for XX/XX/XXXX. There were XXXX charges for XXXX. The charges were made to a new card which Macy 's issued having the chip. I had not used the card prior to these charges being made and the card was in my possession. I immediately called Macy 's to report the fraudulent charges. I received a letter dated XX/XX/XXXX and XX/XX/XXXX regarding this matter. Macy 's reported me as delinquent to XXXX and also asked for payment of undisputed charges. No charges were made by me on the card and the delinquent amount was for penalties and interest on the fraudulent charges. The matter was resolved by XX/XX/XXXX. However, it is my understanding that Macy 's should not have reported me as delinquent for fraudulent charges made to my credit card.
The company is XXXX XXXX XXXX. They call repeatedly, but there is never anyone on the line, so I can not ask them to stop calling. I have no outstanding debt, and should not be receiving any collection calls. I work nights, and the calls are always when I am sleeping. I want the calls to stop.
I used my checking account with Chase Bank on XX/XX/2018 at approximately XXXX to transfer {$40.00} via XXXX XXXX XXXXXXXX XXXX to a party named XXXX XXXX. The money was sent as a payment for tickets and soon as the money was sent the seller disconnected his phone prior to sending the tickets. I contacted Chase immediately and was told they could do nothing and the payment was already completed, however, it stills shows pending in my account. I was advised by a supervisor, XXXX and a manager, XXXX that I should seek outside council. They were unable to advise me of what outside council t seek.
In short the loan was taken out in XX/XX/XXXX with Washington Mutal and they were closed in XX/XX/XXXX. In XX/XX/XXXX, we received a complaint for foreclosure from JP Morgan Chase. This loan has been fought over for the past 8 years and have recently received a review report from the federal task force for mortgage fraud that our payments to these banks have never been applied to our loan. In XX/XX/XXXX,  we were served a summary judgement due to missed payments the bank states that are unaccounted for. We have recently requested a new hearing on this matter in our county and have been denied the opportunity to have this overturned. So at this point, we are a little unsure as to how to move forward. The report shows embezzled amount of over XXXX unaccounted for. We have determined that we will file a civil suit in this matter but could use some assistance and understand that you may be able to help us.
I have been sending money to XXXX to take care my mother who has XXXX XXXX via my sister 's account in XXXX. Recently, I have used Bank of America, first one on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and noticed OTHER FEES charged {$15.00}, {$15.00} and {$20.00} respectively on top of transfer fees {$45.00} each. My sister was able to get the document from XXXX Bank showing the actual amount each time it went thru and it was less deposited due to " OTHER FEES " as above. I asked Bank of America what is that for? It said Intermediary Bank Fee. I asked which intermediary Bank was it? It ca n't answer me. That was the answer from the " wire room specialist '' The XXXX statements showed It went straight from Bank of America to XXXX Bank minus OTHER FEE CHARGES every time, NO Name of other Bank i.e. third party bank showed.Why am I getting double dip from this big bank? It is WRONG. My friend used XXXX and no other fee charges with XXXX for wire transfer.
I have contacted Experiann several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the XXXX Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX account XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from Experian & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
on XX/XX/XXXX my collection account agency submitted an account deletion to EQUIFAX on XX/XX/XXXX it was deleted. On XX/XX/XXXX Equifax decided to reinsert the collection account back on my credit report. I contacted Equifax and they say it is reporting correctly i have the collection agency contact EQUIFAX and EQUIFAX still refuse to delete account.Out of the 3 credit bureaus EQUIFAX is far the worst one.
I disputed the referenced accounts above on  XXXX / XXXX /  XXXX  . The credit alert received on  XXXX / XXXX /  XXXX   showed the item was removed from my credit file between the date of  XXXX   XXXX  -  XXXX   XXXX . On  XXXX / XXXX /  XXXX  , I received a credit alert from  XXXX  showing the item was re-inserted. As of  XXXX / XXXX /  XXXX  , TransUnion is reporting the item as reinserted on my credit report on credit file.   Also still as of today, TransUnion will not release my credit reports. In the past, I was required to purchase the TransUnion Monitoring to view my score but prevent online, over the phone and/or by mail to receive any hard copy of my credit report.   Therefore, I need your assistance in having TransUnion remove the negative item due to violation of the FCRA as well as start allowing me to retrieve my credit reports.
We first fell behind on our mortgage payments when my husband became XXXX and could not work anymore. We had a substantial loss of income in the household. I have applied for home retention options with Select Portfolio servicing several times and they would automatically deny us for loan modification after us submitting hardship letter and the new income. The only option they were willing to offer us was a repayment plan with an unreasonable monthly payment of {$6500.00} which our family can not afford and I have communicated this to them many times. SPS is now taking this to foreclosure court stating that they have tried to offer us a reasonable workout, which they have not. The LTV on the property is at about 40 % and they are not taking into consieration our hardship.
Transunion refused to remove the item from my report after being notified that the creditor acknowledged that the item was not mine. I provided the creditor statement and other relevant information to trans union but they continue to report this item on my report.
I needed to consolidate my student loans quickly and I received an email from Equitable Acceptance Corporation. They told me they would be able to help me consolidate the loans, offer a lower rate, forgive the loans after 25 years and offer affordable monthly payments. For this service, they would charge approximately {$1200.00} at about 27.99 % interest - compound interest. 
I was nervous about my huge payments coming due and felt using this service would help give me the payments I needed - they offered so many great benefits. At this time, I did n't realize these were all benefits available to me through XXXX XXXX ; so, I signed all of the paperwork and submitted all requested documentation. 
About a year later, XXXX XXXX XXXX requested new income documents to recalculate my new monthly payments and I needed to complete the loan application again. I worked with XXXX and obtained a reasonable payment and also learned that the loan forgiveness was always available to me - it was nothing special that Equitable Acceptance was offering. 
About 2 months later, I received an email from Equitable telling me it was time to review my income documents - after XXXX contacted me and the recalculation was completed by me. I contacted Equitable and told them I already completed the process then began to wonder why I needed their " services ''. 
The sales person tried explaining the value of their services, but the more he tried selling, the more I realized they were just a middle man there to collect a lot of money for no good reason. The bottom line is, they offer no real benefit to consumers. I had to take the same steps with XXXX that I did with Equitable so what exactly did they offer? And what am I paying for? 
My complaint here is, how can it be legal to charge consumers for a service with absolutely no benefit? 
From my perspective, they are just 21st-century snake oil salesmen. 
I 'm not sure if you can help at all CFPB, but this is money I ca n't afford to simply see wasted. I believe, Equitable should return every penny and should be shut down for shady practices. However, anything you can do to help would be great. 

Thank you
I have been a XXXX XXXX XXXX for 4.5 years and my identity was stolen last year. The thieves obtained a credit card from Barclay which they used to rent and steal cars XXXX miles away in XXXX California. I have provided tips to law enforcement, leading to seizures of some of the thieves ' equipment, and the police have video surveillance and XXXX suspects in custody, caught in a stolen vehicle with many fraudulent IDs, including some for me. I have provided this information and the police report to Barclay and XXXX in multiple disputes since XXXX. I recently mailed a dispute to Barclay and requested all documents relating to this account, including a list of all charges and payments made, all investigative findings, when they contacted the law enforcement contacts I provided, and how and when they verified any and all information, as is my right under the FCRA. However, they have refused to provide me this information and are thus in willful noncompliance with the FCRA.
After several years of stalling, Shellpoint Mortgage Servicing finally agreed to execute a deed in lieu of foreclosure. The deed in lieu was recorded on XX/XX/XXXX and the mortgage satisfaction was recorded on XX/XX/XXXX by the XXXX County ( NY ) clerk. After several calls and letters to Shellpoint, they are still unwilling to provide documentation that confirms the closure of my account, to correct the information on my credit report or to provide a XXXXfor tax purposes. This includes several calls I made requesting a status, and most recently emails on XX/XX/XXXX & XX/XX/XXXX and a letter that was sent ( and tracked ) to several recipients on XX/XX/XXXX.
Received a call today as a message. 

You or your attorney call XXXX XXXX XXXX XXXX Figured out who called by looking up the number with the XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX, XXXX, NY XXXX Called and asked XXXX XXXX XXXX as message stated. 

Basically I was told that they wanted {$2100.00} today. I said I could not pay that and that I would look into monthly payments if they sent me the original agreement. 

Told XXXX XXXX I would call him back on Wednesday, XXXX XXXX, 2016. 

I would like the CFCB to be the go between.
On XX/XX/XXXX, I deposited {$29.00} in CASH to cover my ACH debit for LIFE INSURANCE POLICIES in the amount of {$28.00}. On XX/XX/XXXX my " personal checking account '' showed a balance of - {$0.00}. On XX/XX/XXXX, there was an added {$34.00} for NSF fee 's assessed to my " personal checking account ''. I am DISPUTING, CHASE BANKS ongoing unlawful practices of discrimination and " UNFAIR DEBT COLLECTION PRACTICES! '' that have absolutely NOTHING to do with me, my " personal finances '', my " personal CASH deposits '' or my " personal checking account ''. ALL SUPPORTIVE DOCUMENTATION WILL BE FAXED TO THE CFPB ( ALL PERSONAL INFORMATION SUBMITTED FOR THIS COMPLAINT IS FOR THE CFPB ), NOT FOR THE BANK 'S USE!