WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Debt Collectors : SELECT PORTFOLIO SERVICING INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX cc : Federal Trade Commission Office of Inspector General Room XXXX XXXX XXXX XXXX, XXXX XXXX, DC XXXX  Re : Acct No. Select Portfolio Servicing Acc # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Acc # XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response your Select Portfolio Servicing Notice of DefaultXX/XX/XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify XXXX XXXX XXXX XXXX headquarter and agents 3. Default date of Mortgage 4. The agreement bearing my signature stating that I have agreed to assume the debt 5. Valid copies of the debt agreement stating the amount of the debt and interest charges 6. Proof that the Statute of Limitations has not expired 7. Complete payment history on this account along with an accounting of all additional charges being assessed 8. Commission for debt collector if collection efforts are successful.
9. Any insurance claims been made by any creditor regarding this account.
10. Any Judgments obtained by any creditor regarding this account 11. Show me that you are licensed to collect in my state ; and 12. Your license numbers and Registered Agent 13. Explain Select Portfolio Servicing 's misconduct and conspiracy to defraud client with two ( 2 ) different default letter XX/XX/XXXX for {$110.00}, XXXX andXX/XX/XXXXfor {$230000.00} in less than a year. Both Demand letter/Default letter has a serious fatal error, also failing to state the date of Default date of the Mortgage.
If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXX
I have a personal loan with Security Finance in XXXX, TX. During my last renewal of the loan I asked XXXX, the representative who helped me with my renewal to place a note on my loan stating that they not call my phone during working hours ( XXXX - XXXX ) because that is my work phone and I can not take personal calls during the day. That did not stop their calls!! I have been a customer of Security Finance off and on for many years. I have always paid my loan payments. In the first week of XX/XX/2016 I notified the XXXX of the branch, XXXX, that I would not be able to make my payment until XX/XX/XXXX due to a job change and waiting on my State license for Mortgage Loan origination to be approved. The very next day I received a notice that Security Finance had made an inquiry on my credit report. I contacted the XXXX and she told me she was checking my credit to try and determine what was going on. I explained to her that she did not have a reasonable cause to pull my credit and that I was concerned that the inquiry would effect my pending license approval with the state. She told me she could pull my credit whenever she wanted. On XX/XX/XXXX spoke to XXXX XXXX XXXX XXXX XXXX XXXX and complained about the credit inquiry. She agreed that my credit should not have been pulled and would get the inquiry removed. I sent XXXX a message in writing that I should not be called before XXXX because the office was calling me at least 2 times a day on my work phone even though I had asked them not to. I asked her to please stop them from calling me during the day. Since that time XXXX, who works at the XXXX office has called me XXXX times during my working hours on my work phone. Some days I was called twice during XXXX day. She has even called my references even though they asked her not to call them. I called and left XXXX ( XXXX XXXX ) a message telling her about the calls and again asked her to tell the XXXX office to stop calling me. I intend to follow up this complaint with a lawsuit. This company has clearly violated the Fair Credit Debt Collections law. If needed I will gladly provide phone records and etc ... documenting phone calls and messages.
My ex husband and I owned a house in XXXX, NY. As a result of our divorce, we had sold this house as a SHORT SALE XXXX 2013. Our mortgage company XXXX XXXX used XXXX insurance company for the PMI insurance. After closing of this home, XXXX sold the loan to DYCK O'NEAL collection agency. DYCK O'NEAL then came after my ex husband and I for {$50000.00}. Because of this, my ex husband filed bankruptcy and included this {$50000.00} in the bankruptcy process. Since he was no longer responsible for this, DYCK O'NEAL has now been after me for the FULL amount of {$50000.00}. It shows up on my credit report and is a red flag which is not fair since it was a joint account. My question is why is this {$50000.00} if this was part of my mortgage payment that I paid for four years prior to the short sale. Also, if it was included in the bankruptcy files, why is this still a problem? DYCK O'NEAL has not wanted to work out a deal with me or help me with REASONABLE payments. Now, after speaking with many different mortgage companies and banks, I 'm realizing that this may all be in error or I have been a victim of a scam. The bank representatives told me that they have never heard of the PMI collection agencies requesting this large amount before. I just want to make sure that this is legal and would appreciate information on how to proceed. If proof of my ex husband 's bankruptcy is needed, I can obtain those records. I am attaching the closing documents from my short sale to prove that I no longer have this property and that all paperwork was indeed complete. Thank you for your help.
I have notified Capital One Bank that they are inaccurately reporting that I was late XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Ocwen misrepresented my foreclosure date to me. On XXXX XXXX, 2016, an Ocwen representative telephoned me and told me that a foreclosure sale on my house would occur on XXXX XXXX, 2016. I believed that this person was telling me the truth and that I would have to move out before this date. Because I have no where else to go, I assumed I would become homeless and have to stay in a shelter or live on the streets. I was extremely upset by this information. 

By chance, I happened to learn that this was not true : Connecticut is a judicial foreclosure state, and the court has not ordered a foreclosure date in my case. No judgment of foreclosure has even been entered. Not only is there not a foreclosure sale on XXXX XXXX, but a foreclosure sale has n't been ordered at all by the court. If I had n't happened to find out that Ocwen was lying to me about my foreclosure, this misrepresentation could have needlessly caused me to become homeless.
You currently have a case pending VS. XXXX XXXX that covers these ridiculously over priced loans that they preyed upon the students for. My question is what are the students supposed to do in the mean time? I just received my monthly statement in the mail and it went up about {$100.00} for the month. I cant afford to pay that to them but they wont work with the payments either. So while this plays out in the courts what are we the students supposed to do? Can you push an injunction to get them to freeze all XXXX and PEAKS account collection activity until this is resolved? When do those of us who are suffering get relief?
My mortgage was 4 months behind due to job loss and I attempted a loan modification which Pennymac denied. I was told I would need to pay {$4100.00} to bring my account current. OnXX/XX/XXXX, I paid {$1000.00} over the phone and I was told to pay {$3100.00} to fully bring it current which I did on XX/XX/XXXX which equals the past total amount 0f {$4100.00}. In addition to that, I paid the escrow balance {$960.00} on XX/XX/XXXXin order to reduce my monthly mortgage amount and make it more manageable since I'm experiencing an income reduction. I made my first payment of {$860.00} but I received a bill stating that I have an outstanding late charge ate charge in the amount {$81.00} and another fee of {$30.00} which I was never made aware of during my calls on XX/XX/XXXX; XX/XX/XXXX and XX/XX/XXXXwhen the last 2 agents confirmed that my account was up to date and I also accessed online and that was confirmed as well. I've already contacted XXXX regarding this matter but Pennymac responded that it will take 30days to resolve which I'm worried that this will affect my credit and it didn't take them 30days to charge or deny my modification request. why should it take that long to resolve this matter. Attached you will find the bill that shows the amount to bring my account current which I resolved by XX/XX/XXXXto avoid any late fees if I was to pay after XX/XX/XXXX
I did n't realize I was a victim of the Student Loan forgiveness Scam. I gave out my SSN # and credit card info. I 'll contact my bank to cancel the transaction may occur but what I do with the SSN # already gave out? Please see below info what have been exchanged over the email : Hey XXXX, Your file was approved yesterday & we submitting a request to put your loans on admin forbearance. It typically takes about 2-3 business days for it to be approved. They will no longer ask you for payments after the weekend. 

Best, On Wed, XX/XX/2016 at XXXX, XXXX XXXX XXXX wrote : XXXX, I still receiving email and phone call from Navient, when will I get the approval that it 's no longer from Navient but from the Income Driven Program of loan forgiveness that we were working on previously? 
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2016 XXXX To : XXXXXXXXXXXX Subject : Contact Information - XXXX XXXX XXXX XXXX XXXX, congratulations again on your approval for the loan forgiveness program! Friendly reminder to send in your Proof of Income to our processing department as soon as possible. Should you have any questions or concerns please do n't hesitate to contact me through phone or email. Best way is through email as I am usually always on the phone. Thank You! 

Please feel free to share my contact information with anyone that needs help with their federal or private student loans. We would love to help them qualify for a better program and possible loan forgiveness! 
XXXX - More Information about these programs White House Website : XXXX Ensuring That Student Loans are Affordable | The White House www.whitehouse.gov Ensuring That Student Loans are Affordable. download as pdf " Let 's tell another XXXX students that when they graduate, they will be required to pay only XXXX ... 

Defaulted Consequences : XXXX Consequences of a Student Loan Default - FindLaw bankruptcy.findlaw.com A student loan default occurs when the borrower fails to stay current with the payments on their student loan. Delinquency begins the first day a borrower misses a XXXX - Online Account where you can view your loans XXXX National Student Loan Data System for Students www.nslds.ed.gov The National Student Loan Data System ( NSLDS ) is the U.S. Department of Education 's ( ED 's ) central database for student aid. NSLDS receives data from schools ... 
-Click financial aid review -Click Accept - '' Log in '' Username : XXXX PW : XXXX Please do not change the password as our processing department needs it to work on your file. 
Student Financial Services XXXX / Compliance Manager XXXXXXXXXXXX / XXXX EXT XXXX Student Financial Services Processing : XXXX / Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Hours of Operation : XXXX - XXXX ( PST )
I had XXXX credit card accounts that were charged-off because of a lack of employment. Nonetheless, I settled each of the XXXX accounts. Below are the details of the terms and conditions for each settlement. 

XXXX XXXX Account no. : XXXX I agreed and honored the terms and conditions to the settlement amount of {$650.00}. The payment was received and credited to my account on XX/XX/2016 ( confirmation no. : XXXX ). After submitting a request to investigate and update the accuracy of my credit reporting, all XXXX credit reporting agencies ( XXXX, XXXX, Experian and XXXX ) have yet to report that proper status for this account. More than thirty days has passed. 

XXXX XXXX XXXX : Account ending in XXXX : I agreed and honored the terms and conditions to the settlement amount of {$1400.00}. The payment was received and credited to my account on XX/XX/2016 ( confirmation no. : XXXX ). After submitting a request to investigate and update the accuracy of my credit reporting, all XXXX credit reporting agencies ( XXXX, XXXX, Experian and XXXX ) have yet to report that proper status for this account. More than thirty days has passed. 

XXXX XXXX : Account ending in XXXX : I agreed and honored the terms and conditions to the settlement amount of {$930.00}. The payment was received and credited to my account on XX/XX/2016 ( confirmation no. : XXXX ). After submitting a request to investigate and update the accuracy of my credit reporting, all XXXX credit reporting agencies ( XXXX, XXXX, Experian and XXXX ) have yet to report that proper status for this account. More than thirty days has passed.
Best Buy Credit Card Purchased an item XX/XX/15 for {$780.00}. On the purchase screen I was asked if If would like " 5 % rewards back '' or " 18 months no interest ''. I chose " 18 months no interest ''. I received a bill this month with {$410.00} in DEFERRED interest charges. The screen never said DEFERRED. It said " NO ''. Biggest scam I have ever seen in my life. They purposely worded it to misleading. They are running a SCAM.
Called on  XXXX / XXXX /  XXXX   at approximately  XXXX   XXXX   PDT, and spoke to   XXXX  " on   XXXX   XXXX   XXXX   ''. He refused to submit a dispute regarding my address, which is listed incorrectly with Experian. He explained that even though there is  XXXX  creditor reporting my address incorrectly, Experian would not allow me to submit a dispute to correct my credit record.     Now this is a problem as I have a credit freeze tied to my account and an incorrect address will make it near impossible to update. The incorrect address is due to a divorce and my ex-wife 's address being incorrectly reported as my current address.
We recently changed banks so I am in the process of updating any accounts that we have set up to auto-pay to use our new account as the payment method. I am having some serious issues with our mortgage service provider, Dovenmuehle. I went onto the website to change out payment account. They do n't even offer an option to change, only to enroll or cancel. So I cancelled our current auto-pay and tried to re-enroll. This was 2 weeks ago. It gave me a message stating " Currently, there is a pending transaction in process. 
Changes may take place the following business day after XXXX CST. '' I checked back the following day and got the same message. I tried for 2-3 more days, getting the same message each and every day. So I called Dovenmuehle and asked them what was going on. They said they had to put in a help desk ticket, which is insane because all I want to do is change the account that I used to pay my mortgage. I ca n't imagine that every single time that Dovenmuehle has a customer wanting to change payment accounts that they have to put in a service ticket. 

Regardless, they told me I would hear back in 24-48 hours. It 's been over 3 days with no response from them, and still the same message on their website. So I just called back and wasted another XXXX minutes on the phone to be given the same run-around that they were working on it. 

I do n't think it is fair to have someone servicing mortgages that is not even competent enough to have a functioning website to accept payments. How can I make a payment to them when I ( 1 ) can not add a payment account and ( 2 ) can not get anyone there to do it for me?
My bank account was hijacked, my bank for my protection closed my account and card and send me new one. So my bank check my account and dispute XXXX transactions who was payment of my credit card. I contact my credit to make my regular payment and they told me that my account was closed due to payment issue so I made a payment right away and was told that my account will be reopen in fees days later. But nothing happen I send prove of account compromise letter send by my bank and follow up with credit card company who told me that the letter was never received this letter was send XXXX times and I just received a letter to the credit card companies who told me that I was too late and my account was send to collection. They just try to used they power to get more money on me after be a customer form more than 5 years.
a woman out of XXXX, Texas broke into the drop box of what was XXXX XXXX XXXX which has gone bankrupt and sold the property. mine of XXXX other apartments rent and utility money orders were stolen from the drop box. apartment was notified by police this was happening in the area and did n't take precaution to prevent this from happening. after that a month later I moved out. the money that was stolen from the apartment has been in collections going on 5 years. ProCollect out of XXXX, TX is the collector ph # XXXX.i explained to them that I paid my bills but the money was stolen from there drop box. which is n't my responsibility to pay again due to their failure and notification from police this was going on before it happened. They asked for proof of the robbery of the building and I went down to the police station and got copies of the report that my money that I put in there drop box was stolen out of there office and sent a letter from the chief of XXXX, Tx, Police Department saying and proving that my money was stolen. He also lived there during the occurrence. The collector keeps calling and saying I owe money that I paid 5 years ago and I owe the stolen money the apartment failed to secure. me and my fianc have both asked for proof of debt and for the original debtors information which is the owners of XXXX XXXX XXXX which they will not give. ProCollect told us to google the information on a bankrupt business denying us the ability to contact the original debtor to dispute the false debt. I have contacted a lawyer and I will be writing a cease and desist letter sending the police report and letter from XXXX again a to PRoCollect and also sending it to all XXXX credit bureau 's to continue to dispute. after that if it is not removed from our credit report I will have no other choice but to file a lawsuit.
The errors on my report after I received validation Letter from them, On XXXX XXXX contract, my Last name is spelled wrong " XXXX ''. 
Also on XXXX contract, my email is spelled wrong so I never received any notifications XXXXXXXXXXXX On XXXXXXXX XXXX  Contract, there are two different open dates which is circled on paperwork, and also someone changed XX/XX/XXXXto XXXX so someone tampered paperwork to extend debt. The Original date opened is XX/XX/XXXX.On my credit its reporting XX/XX/XXXX. 
Also there 's no social security number identifying that this debt even belong to me. 
Neither contract wasnt supported with how much the debt collector payed for the debts nor contracts with Original creditors stating that they have the right to own and collect on the debts.
I have been a customer on Nation Star mortgage since somewhere around XX/XX/XXXX, after they had bought the loan from XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX reported that the account was not current, and I was a month behind. I spent many hours with Nation Star rep 's about bringing my account up to date. It was understood that I needed to pay an additional sum of {$940.00} to bring the account up to date. I made additional payments to Nation Star with separate checks, paying the {$940.00}. At that time my wife and I decided to enroll in the auto pay program to avoid any problems in the future. The account had been set up and we were paying on a schedule. After a while we stopped opening the monthly Nation Star mail. It just confirmed the payment made. This process continued for a five year period. We did not get any phone calls, nor emails concerning a problem with the account. InXX/XX/XXXX we received an envelope from a business titled " Mr Cooper ''. being unaware of any business titled " Mr Cooper '' we opened the envelope. We learned that Nation Star was now Mr. Cooper. We had been paying {$3700.00} electronically for five years. Now with this letter from " Mr Cooper '' our monthly payment was {$5000.00}? There was no explanation provided. The difference in the payment was {$1200.00} which was listed on the ( total fees and charges ) line of the statement. We called the next day and learned that the payment we made to bring the account current was never applied? They did not have any records showing the payment. One of the reps stated that the extra funds could have been applied towards your principle instead of towards the shortage in the account. I attempted to resolve the problem and called the Mr. Cooper office numerous times with no results. One call was placed to a rep identified as " XXXX '' XXXX. She suggested that I call her back tomorrow, and she would connect me to the office where they can negotiate a payoff. I called her several times over the next 3 days, and never got a response. One rep stated, " don't worry about it, you wont be asked to pay until you sell your house! '' This lending institution is NOT willing to help no matter how hard you try! They refused to provide me with their cooperate number and suggested that I write a letter.
As of today XX/XX/2017 my credit FICO SCORE DECREASED BY XXXX PTS XXXX. YESTURDAY MY SCORE WAS XXXX. THERR SHOULD BE NO REASON MY SCORE DECREASED THAT LOW ... OVERNIGHT. I AM REQUESTING THAT THEY COMPLETE INVESTIGATION AND REANALYSIS MY FICO SCORE TO A INCREASE. I WAS INDICATED THROUGH MY MEMBERSHIP ONLINE THAT MY SCORE HAS INCREASED BY XXXX POINTS XX/XX/2017. INDICATED IN MY ALERTS INBOX ... MY CREDIT FICO SCORE SHOULD BE ABOVE THE SCORE XXXX. 
PLEASE INVESTIGATE THIS AND REANALYSIS MY CREDIT SCORE
I was offered a deferred interest credit card by Synchrony bank for Living spaces. 
I was making the regularly scheduled payments, but noticed that my balance was not going down at the rate expected for a zero interest card, upon further examination, I noticed after 8 months of paying on the card, that they had added a credit protection service to my account without my permission at a rate of XXXX per month. 
My promotional balance shows XXXX, however the total balance to be paid shows XXXX. My balance is increasing month over month XXXX per month for nearly 12 months charged without my permission with interest being charged on that XXXX. 
I attempted resolution early XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX. Each time saying it would be credited back, with no real resolution. 
My concern is that they are adding these fees without consumer permission and it will prevent the promoted no interest balances from being paid in full. that means more than 26 % interest will be charged massively increasing the balance. This definitely is shady and similar to the conduct XXXX XXXX was practicing.