WillisBack/dataset-financial-user-claim huggingface dataset:
Select Portfolio Servicing bought our mortgage loan while we were in bankruptcy when the bankruptcy stop taking payments because it was time to be discharged we contacted SPS to make our mortgage payment, we were told that we did not have a payment due and they could not accept payments until they received discharge papers we informed them that out bankruptcy lawyer told us to contact them to start payments they 've outdoor not take a payment so we asked for proof that nothing was owed so they began sending statements stating this is not an attempt to collect a debt with no amount being owed and told us to use that for our records we called twice monthly from XX/XX/XXXX to XX/XX/XXXX still given the same answer and XX/XX/XXXX we received a call and a statement from SPS stating we were 5 months behind and would go into foreclosure unless it was paid or they could help us do a modification. We told them we would find someone to refinance and a few days later itvwas added to our credit report hindering us from a refinance. We contacted them on several occassions with complaints and was told that we could have contacted them and made payments but they could not contact us we informed them that we did contact them on several occasions to make a payment and was denied. We asked if the negative items could be removed from our credit report because it was false and we have been told that there would be an investigation but nothing has changed and we keep getting the run around. There practice is unjust and unfair. They have XXXX complaints.
XXXX XXXX/XXXX XXXX listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, XXXX  and Transunion. Please remove the 30/60 day late payments from my credit reports.
I've done business with this company for years. However, end of last year, they processed my payment on the wrong date, when amount in the bank when they DID attempt to charge was ~ {$5.00} under. I do not have the specific amounts at this moment, as I have a short time window today to file this complaint.

They then tried to process it again, without permission, resulting in NSF charges from my bank. Their attempted charge was about {$86.00}, with my having about {$81.00} in, resulting in two NSF fees of {$35.00} each, then causing my next {$10.00} autodraft for something else to be ALSO returned with yet ANOTHER {$35.00} NSF fee. Due to this, I've lost access to my bank account, and accumulated a $ XXXX/day negative balance fee, since XX/XX/XXXX. 

I've explained this one day to a XXXX XXXX XXXX representative, who was very friendly and said she understood. I expressed about that it was just after noon, that I'm at work, and I already got 2-3 calls before she called. She said they have no control over them,  that they're automatic and can not be controlled unless I pay my debt. She informed me that XXXX would issue a check for the amount they costed me, if I provided proof of the overdrafts. Something I explained I do not have a way to send her, as my printer doesn't work right now, and she refused to give me a way to email the documents. 


Since this day, back in mid XX/XX/XXXXr, I have received at least two calls from them a day. The past 2 weeks, I have received 4+ calls a day, including from new numbers when I have one blocked. They've gone so far as to SPOOF phone numbers with my local area code, to call me. One of these happened today. 

I have told them I'm on the National DNC registry, that they're calling during all hours, including when I'm sleeping ( every day, they call XXXX ), and that they're calling me at work. They persist.
As of XX/XX/2017 i c sytems inc sent information stating to all credit bureaus saying a amount of {$370.00} was owed by me. since then there is negative remarks on my credit report thats has brought my credit score down by 49 points ... i dont have any knowledge of i c sytems or have i ever been associated to i c styems or the original creditor and i do not owe a amount of any.
I am an elderly with a mortgage on my condo with RPM Mortgage. They kept sending me letters asking for proof of insurance and provided a fax number to fax in the information. XXXX I faxed the proof of insurance on XXXX XXXX and XXXX XXXX 2015 ; and yet I just received a letter from them dated XXXX XXXX 2015 saying they have purchased insurance at my expense from an affiliate of their at XXXX time the cost of my insurance. Also, my insurance shows RPM Mortgage as the Mortgagee and the insurance company sends the RPM a proof of insurance directly as well. There is no reason why RPM should even need me to fax them proof of insurance. What RPM is doing is harassment and to sell insurance that their borrowers do n't need. They clearly have proof that I have insurance and yet their policy seem to be to ignore all evidence and just force their insurance on you. 
I want them to refund me the {$1500.00} they charge for my insurance when I already have insurance and to stop harassment me. 
Thank you
I, XXXX XXXX had only XXXX mortgage that eventually ended up with Ocwen Loan Servicing. The original loan was for {$110000.00}. The XXXX late payment of 30+ days took place in 2006. Ocwen has posted the same loan XXXX, and has purposely cut off several years of payment history. Even though the loan has been paid in full, the 7-year rule applies pertaining to the posting of credit histories. All Ocwen loans must be deleted permanently, not just the duplicated items. Ocwen Loan Servicing is now being forced to sell off their servicing assets by court order that started with Federal Trade Commission sanctions. My credit is being destroyed by Ocwen Loan Servicing illegally.
I continue to get phone calls from a company XXXX XXXX, XXXX. They claim I have a debt from a XXXX Credit Card from 1998 which is in my maiden name. The debt totals {$1400.00}. I called XXXX and this debt does not exist.
XXXX letters were sent to AMEX, the only response I 've ever received from an American representative ( not someone in XXXX XXXX, XXXX ) are due to : 1 ) Emailing the CEO which forwarded my complaint to the Executive Office and 2 ) A CFPB Complaint. 

Despite almost coming to an agreement with AMEX 's Collection Agency, they had informed me AMEX **will not stop charging me late fees** despite having a payment plan in place which is far from logical and ethnical. Those late fees would total XXXXmonth essentially XXXX any payments towards the balance. I am unable to accept AMEX 's direct " hardship program '' ( not through the CA ) because it far out of my budget and would restrict my ability to continue my studies, living expenses, and other creditors. This problem has caused me XXXX the last few months since I have been blatantly ignored in my attempts to resolve this. AMEX 's " hardship program '' waives additional late fees so the CA 's program should as well. Directly AMEX expects you to pay off your balance in XXXX months which is a clear misinterpretation of the word " hardship ''. 

I have gone above and beyond my duty in attempting to contact AMEX yet they are still trying to bill me for fees which could have been avoided months ago if they bothered to reply, a representative would allow me to speak to someone higher up in the food chain such as supervisor ( which was never allowed for whatever weird reason ) ; instead they allegedly have never received any of my complaints which have shown my desire to come to a resolution.
Case # XXXX Ref : XXXX XXXX DISPUTEIn response to XXXX XXXX Executive Mortgage Specialist for Wells Fargo. After doing a lot of research, hence my delay for getting back quicker. I have to say that XXXX XXXX did not include all the correspondence that I have received from Wells Fargo. She failed to include the letter dated XXXX XXXX. XXXX and another dated XXXX XXXX,, XXXX, the letters included in HER response dated XXXX XXXX and XXXX XXXX, XXXX were not received by me, and looks like they were computer generated letters. She also did not answer my complaint about XXXX XXXX XXXX foreclosing my property in violations of NOTICE TO MITIATION CONFERENCE PURSUEING RHODE ISLAND GENERAL LAWS & XXXX, which states the NOTICE must be mailed no later than 60 days of the sale Date. Enclosed is a copy of Chapter XXXX Section XXXX XXXX XXXX XXXX ( RI ). First notice was sent on XXXX XXXX and XXXX Notice on XXXX XXXX. I am also attaching all the correspondence and the monthly financial worksheet reflecting my monthly income and expenses ; the modification that was awarded on XXXX XXXX, XXXX was a standard modification and by HAMP guidelines if the first modification fails I should qualify under the HAMP Program, also my circumstances changed as I got divorced on XXXX XXXX and was a loss of income. Once again, I want to thank you very much for your assistance in this matter. I definitely do not want to lose my property and its bad enough my tenant is being harassed by XXXX XXXX XXXX who continues to come to the property attaching letters on all doors. I hope this matter will be resolved in good faith, so the foreclosure can me recinded and I can be approved for loan modification and go on with my life.
I was NOT aware of the debt until I checked my credit. To my knowledge, never saw a doctor in this town. I have never received a statement or bill from this doctor or agency stating I owed them anything, nor have I ever received a call. During the time of question ( 6 years ago ) I was insured and any bills submitted would have been paid under that plan. I have never received anything saying they were turning me over for collections or a right to dispute.
In XX/XX/XXXX I owed a balance to XXXX Bank in the amount of {$790.00}. I paid the balance TWICE by accident. Once by ACH and one with my debit card with XXXX Bank. XXXX Bank sent notification to XXXX Bank and I was issued a refund check in the amount of {$790.00} dated XX/XX/XXXX. My account now has a XXXX balance. I called XXXX Bank to inquire about the status of my account and they said they would report the XXXX Balance XX/XX/XXXX as that is when my account status is reported and that my account was closed because it had been 60 days late in XXXX and XXXX, but not in XXXX as they are reporting! 
I reported the error to Experian and report # XXXX was sent to me with the notation " updated '' on my credit report. I received this information by mail on XX/XX/XXXX. 
I logged into my Experian Credit Report on XX/XX/XXXX and Credit One is now reporting that I owe more than the original amount of {$790.00} and my report now says I owe {$800.00}. I called Credit One Bank and they told me they charged a fee on my closed account but could not say what it was for. As I was holding to speak to a supervisor again, they logged me out of the online account. I was able to get a snapshot of my online account with XXXX Bank of which I have attached. It clearly shows a ZERO balance. 
My Credit Report should say PAID with a XXXX balance. I know its closed and that is fine. 
All documentation is attached. 

Thank you. 

XXXX XXXX, Ca. XXXX ( XXXX ) XXXX XXXX
XXXX/XXXX/2016 XXXX XXXX, 2016, on receiving three letters from Equifax addressing my complaints to the disputes to the false information on my credit reports. I did as Equifax 's letter requested and went online to fill out the forms. There was not enough space to accurately describe my situation. Also, when I tried to submit the information I got an error message my window had " timed out ''. Thus, losing all the information that was input. The window did not have the function to copy the information. 
My three previous complaints ; XXXX, XXXX and XXXX through the Federal Consumer Protection Bureau, have not been addressed. 
The false alias with the social security number needs to be removed from my personal information. So that the report is true and accurate. As stated in previous complaints, this is an actual person and not my alias. I requested from Equifax how that information was implemented to my identity. And have been ignored. Explaining this situation with an FBI agent, was informed that this situation is defined as " Identity theft ''. 
The false previous addresses continue to appear on my identity information. Equifax was submitted valid proof on my XXXX previous valid addresses. How did the other false addresses get onto my report and why have not they been removed? The last previous address that is correct and accurate to my information, is not there. Equifax is ignoring me on this also. 
There are XXXX XXXX credit transactions appearing in my history of which only XXXX accurately belongs to my credit history. Please block this information until the investigation is complete too being accurate and true. 
Equifax handling of an account caused a false creditor to contact me with a collection letter this week. In the form of an application requesting all of my personal private information? 
Lastly your representative ( on the last phone contact ) strongly suggested that I sign up and purchase Equifax service. At this time, your coopertion is a functional systematic failure. Equifax has all the information that it needs to correct these aspects of this situation. I have been very cooperative presenting the valid information. So that the report can be corrected to being true and accurate. And Equifax does not cooperate. Cryptic phone menus that do n't address the situation and hang up. Rude employees that refuse you service for not divulging your entire social security number over an unsecured line. And are dysfunctional with the information. Websites that do n't effectively cover the situation for which you are contacting them for and limit you so that you can not present the information. Please address these issues stated above in this letter and correct my information to be true and accurate with no false information that belongs to someone else.
Bank Of America committed fraud with my personal financial information when I applied for a loan.We applied for a Lot loan in XX/XX/2006 where Bank Of America required us to state our income and have our employer verify our income-we did and they approved the loan.Without our knowing it Bank Of America altered the financial information we put on the application to obtain a mortgage insurance policy from XXXX naming Bank of America as the beneficiary in the event of a default.We were completely unaware of any mortgage insurance policy and it is not on any papers we filled out.Our income was stated on the forms as {$4500.00} per month and was verified by my employer.Shortly after we were approved for the loan an XXXX for XXXX contacted us and told us Bank Of America had altered the forms we provided to state our income as {$15000.00} per month and that amount had been verified by my employer.We told him I had put {$4500.00} per month as the income and it had been verified-not {$15000.00} per month.XXXX told us Bank Of America had altered the amounts on the application and submitted them with my signatures as an application for mortgage insurance.We are now in default on this loan and Bank Of America is anxious to foreclose so they can collect on their fraudulent insurance policy.They are attempting to get paid from the insurance policy from XXXX and after the foreclosure sale get paid again by suing us for their loss.We believe we paid for this insurance policy with our down payment without knowing it but have never had any mortgage payments covered by the XXXX of XXXX altered then used my personal financial information and signatures to obtain an insurance policy for them to be the beneficiary in the event of a default and are now foreclosing to benefit from the insurance policy.2.And if mortgage insurance was obtained using my information, that I may have paid for with my down payment, why was n't it purchased to protect me from losing my asset in the event of a default and why was n't I told about it?
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX XXXX Validation letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.
I WAS RELEASED FROM FINACIAL OBLIGATION FROM LEASE AT XXXX XXXX AS I MOVED OUT AND THEY ARE REFUSING TO ACKNOWLEDGE, THIS SHOULD BE COLLECTED BY OTHER PARTIES THAT WERE ON THE LEASE
I was approved for a modification on for my mortgage. Which means making payments on time. Within 30 day US BANK advised that they will update my credit report to reflect current. I still see late payments on my credit. I have contact them. They told me my letter came from a collection agency. I sent these letters myself and had them notarized. How can you ignore my request. I brought this property for {$200000.00} and its worth {$98000.00}. This is sad. I do not want to have bad credit also. I pay on time.
I sold an item on XXXX on XX/XX/19, the buyer received the item last week, left positive feedback, and paypal will not release the money because they're concerned the item hasn't been delivered. But it has been delivered. You can see from the records that it was delivered, everyone is happy, but paypal will not give me the money. 

I've called them several times, and live chatted them, and they refused saying the transaction was for a high-risk item .... I sold a drone on XXXX, the buyer received it and is happy with it, what exactly is high-risk here? 

This is a large payment company taking advantage of me.
On XXXX XXXX we issued a check from XXXX XXXX XXXX and made a mobile deposit to PNC bank ( thus we transferred funds because XXXX has branches far from us XXXX. In our online accounts we saw that XXXX sent money and PNC received it on XXXX XXXX. On XXXX XXXX we tried to withdraw cash from PNC in XXXX, IN. The representative spent with us about 45 minuted and finally refused to give transferred money, even a portion of it. We could get only amount of the previous balance. During withdrawal we were repeatedly asked about the purpose of having cash ( we do believe that these questions were non-ethical, it is our money and our business what to do as we pay taxes and use money legally XXXX. 
We live almost XXXX miles away from the branch. So, we called in advance ; we made a trip just to know that we would not get money which we own.
Companies who issue these cards should NOT have the right to hold funds due to a failed gas pump transaction and, then, take WEEKS to return the held funds to the consumer. Consumers must be tenacious and call the card company over and over to request release of the " held '' funds. Many do not even understand what happened to the funds since NO explanation whatsoever is provided. Most consumers eventually give up out of confusion, and I am sure the card companies reap huge financial benefits from " held '' funds that are never released back to the card. This is a form of theft and should be outlawed.
I received a call from Chase Freedom. They notified me that someone has attempted to open an credit card account using my social security number, name and date of birth. I had not. They cancelled the account. I received the actual cards in the mail a few days later. XXXX says my name, the other a false name, XXXX XXXX. Today I received yet another card from Chase Sapphire, that I did not apply for. I called to notify the company that it is not me. They told me the account was applied for XXXX XXXX, and the name and address was changed to XXXX XXXX on XXXX XXXX. I also have received a letter from XXXX XXXX thanking me for applying for a card and requesting a social number and mailing address from me. I have contacted my bank account and XXXX XXXX to receive a credit report and set up a fraud alert.
XXXX XXXX Closed/Charged Off Opened XX/XX/XXXX Closed XX/XX/XXXX XX/XX/XXXX
I received my annual escrow analysis. Turns out they had been overdeducting to the tune of {$3400.00}. I called and asked for my refund and was told that it takes 30 days. That is not reasonable. Miss a payment for 10 days and you get a penalty.
Capital One Auto Finance is not removing the Auto Loan Account which is 9 years and 3 months old. The vehicle was repossessed in XX/XX/XXXX. It 's been almost 8 years since the vehicle was repossessed. This Account should have been deleted after 7 years that is in XX/XX/XXXX. 
I have disputed this account with all XXXX credit bureaus and the Capital One Auto Finance but they are refusing to delete this account.Please delete this account ASAP.My cell phone number is XXXX.
Chase is attempting to collect a debt that I allegedly owe to XXXX XXXX. I do not owe this debt and both XXXX and Chase are committing fraud in trying repeatedly to collect this debt.
I put my settlement check in to bank of america and not once did they tell me my account was closing and they refusing to give me any response and have been giving the run around for three weeks with different lies. I been tryning to be patience but they are refusing to give me all my money and ca n't not give a reason for why its taking so long. Im still waiting for my money to this dayXXXX
I lived in XXXX, XXXX, XXXX, and XXXX, XXXX. But I never live in XXXX and XXXX I never live on address : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX
I submitted a debt validation to this company under the Texas Finance code Section 392.202 which requires a debt collection agency to provide specific information within 30 days. This company, although responded within the 30 days, did not provide the requested information. They only sent me a claims form and a old copy of the least. Per law this is to be removed from my credit report immediately. The company unlawfully started to resend collection letters after knowingly, not providing adequate information under the Texas Finance Code. I faxed the company notice that it is to be removed per law and collection to cease. However, they have not done so and have received no communication. 

The information that was to be verified is as followed per Texas Finance Code Section 392.202 : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101