WillisBack/dataset-financial-user-claim huggingface dataset:
SCAM ARTIST - Specialized Loan Servicing , LLC XXXX XXXX XXXX, XXXX, CO XXXX - DEBT COLLECTOR, as printed on their Notice ; XXXX XXXX XXXX, XXXX. 

Received today a Notice dated XXXX/XXXX/XXXX " purportedly '' from XXXX XXXX XXXX XXXX advising of service transfer of an alleged loan to this company, but payments to be remitted to a GA address effective XXXX/XXXX/XXXX - P.O. XXXX XXXX XXXX, GA XXXX. SCAM artist collecting for an alleged account that has already been closed in XXXX, and reflected as such in Credit Bureaus. Additionally, the following are marks of intentional misrepresentation and considered Fraud under 15USC 1692e:1. Notice says : " this communication is provided..with regard to our secured lien on the above referenced property '' ... If they are " purporting to be a servicer '' - they can not be the owner of a lien - 15USC 1641f1-f2, albeit alleged account is already closed. 

2. Notice itself bears an XXXX letterhead - but only a photocopy- not original. Also, XXXX 's address XXXX, IA - has been replaced with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ). 

3. Notice does not indicate alleged account 's principal balance. 

The facts - account has closed in XXXX ; XXXX made an illegal attempt to collect in XXXX but after failed Debt Validation which involved CFPB, XXXX Office in CA and XXXX 's XXXX XXXX - Office of Consumer Ombudsman for XXXX - XXXX issued a letter advising XXXX to disregard XXXX 's collection letter. XXXX XXXX XXXX was also hired by XXXX to illegally attempt to collect - but could not validate alleged debt - and has since STOPPED further collection efforts after a Cease and Desist was issued on XXXX XXXX. 

FTC Complaint was filed today XXXX/XXXX/XXXX - reference number XXXX. A Debt Validation will also be issued shortly to this Specialized Loan Servicing , LLC. 

Thank you for helping investigate and enforcing the authority of your Offices to STOP fraudulent and unfair debt collection practices that hurt US Consumers.
I believe I have a victim of identity theft. My account was charged without my authorization. XXXX XXXX has billed for the unauthorized charges.
Where to begin with USAA BANK is hard cause they have hurt so many aspects of life not only then when they criminally stole money from our accounts but now that they keep lying about there illegal regulation rules. They are soul crushers and will stop at nothing to steal money and with the services they have they use terms and conditions that are so farse to steal your money and take everything including committing severe fraud.
I have disputed debt buyer accounts on my credit reports to all XXXX agencies because when the XXXX and the XXXX were due to be removed in XXXX of this year they all XXXX allowed debt buyers to replace these on my credit report even though that is illegal. I want these removed immediately. I want proof of where I signed with these debt collectors, etc.
I am the co-signor on my son 's student loan and keep getting harassing phone call s from Navient that are down righ t disrespectful and annoying when you are trying your best to pay. Each day, I get at lea st six calls from Navient. O n  XXXX   XXXX ,   XXXX  , the phone calls started at  XXXX   XXXX   XXXX   CST and by the end of the day I ha d 13 roboca lls from  six di fferent phone numbers. On  XXXX   XXXX ,   XXXX  , I h ad seven  robocalls. However, I spoke to a representative and stated to them that I had just made a paymen t two weeks pr ior and that I would not be able to make another payment for a couple of weeks. It 's not like we are not paying the loan. The loan was taken off of interest only payments and went to full payment and my son is not able to make these full payments due to cut in hours by his job. They told him that they would n't be able to help him until the full amount is caught up. He is in a no win situation with this company when you ask for help in your payment. It seems like you would take something instead of getting nothing. It 's difficult for any person to have to make a decision on paying rent/food or paying for your student loan. On top of that, you have to deal with rude and obnoxious customer service representative that NEVER place your comments in their notes. It 's got to be a better way to deal with this problem. We know that we have this debt and are paying the best way that we can until my son 's financial situation gets better. PLEASE STOP THE HARRASSING PHONE CALLS!!!
Great Lakes Student Loans XXXX XXXX XXXX, is garnishing my wages through XXXX. All of my student loans are in forbearance or deferment. I am not sure where this came from. I can't get any information other than they are garnishing my wages for 15 % of net disposable income - $ XXXXpay period = $ XXXX/month.
I deposited a check into a XXXX Atm. For the last two days when I logged in the hole was scheduled to release on XX/XX/XXXX. On XX/XX/XXXX, XXXX changed the hold to XX/XX/XXXX. When I called to find out why a Sr.Rep lied and said the check would n't clear until XX/XX/XXXX. The check is from an employer insurance plan and I had already spoke to them and thy said there was no issue with the check. The rep lied to justify changing the hold date of funds.
Experian stated it " verified '' and validated an alleged Chapter XXXX Bankruptcy. However, when I contacted U.S. Bankruptcy Court it stated it " does not '' verify or validate bankruptcy filings. I have repeatedly requested Experian submit its investigation verification and validation process, it has denied my request and continues to report inaccurate credit file information. Experian has also reported that my now closed XXXX XXXX credit card account was included in and discharged in Chapter XXXX bankruptcy, which is false and inaccurate. XXXX states it did not report such to Experian and Experian states it was verified by XXXX XXXX. Experian is reporting inaccurate credit file information for Dept. of Ed/XXXX by reporting fraudulent duplicate accounts.
I received a letter dated XXXX XXXX, 2014 from Kimball, Tirey, & St. John LLP to pay a judgement against me for unpaid rent owed to XXXX & XXXX XXXX. The letter said the debt will be assumed to be valid unless I notified them within 30 days that I dispute the amount owed. I responded within the thirty days informing them that I was never given an itemized statement at move out showing how much and where our security deposit was applied. 

I also went to see XXXX XXXX XXXX ( who sent the letter ) around this same time and I was informed to start making small payments but my request for Kimball, Tirey, & St John to obtain an itemized move out inspection showing where my security deposit was applied was never followed up on. Therefore I disputed all the debt as I was unable to calculate their interest charges without knowing my exact balance owed minus my deposit. 
I am still waiting for the itemized move out sheet required by law showing where my deposit was applied
We recently purchased another home From XXXX this past XX/XX/XXXX and it was financed by XXXX and it was sold to Wells Fargo before we even received our first payment due. We do n't have a problem with that what we have a problem with is that before it is is even late there collection department calls every month and harasses us that our payment is due. We always pay before the grace period, but lets say they do n't get it by the first when its due they start calling even though they advised our grace period is until the XX/XX/XXXX. We pay through our electronic payment system with our bank every month no later than the XX/XX/XXXX. we have a confirmation that they were paid on the XX/XX/XXXX but I still get a call today that they were not paid. I am still waiting for the Deed to get sent to us. We closed in XX/XX/XXXX. I do not trust them.
XXXX XXXX XXXX is not reporting to equifax and is preventing me from getting a better loan right now I have paid for over a year now and nothing is being reported to equifax. My XXXX account number is XXXX.
I have been trying to modify my mortgage with Citimortgage for 5 years. They have never turned me down for a modification. I have submitted complete paperwork per their request over 15 times. They tell me my paperwork is with underwriting. After a few weeks, they request more docs. After I submit those docs, they assign a new loss mitigation specialist to my case and the process begins again. They never inform me that the modification has been accepted or denied. They have now sent me a sale date on my property while I am still in underwriting for modification. To my understanding, this is dual tracking. They have also not exercised reasonable care to obtain docs and have never informed me whether or not my modification ever officially gets denied or approved. I am trying to get the sale stopped while I am still with underwriting but nobody will help me. The sale is shceduked for XXXX/XXXX/16.
Membership Fee issue with Citibank Membership Annual fee posted of {$350.00} on XX/XX/XXXX for citi prestige credit card. I called citi on XX/XX/XXXX to downgrade card to a no annual fee card. Per their policy I should get a full refund with 30 days of fee posting. I downgraded the card to a citi preferred no annual fee card. This was confirmed the same day. 

On XX/XX/XXXX I called citi again because the membership fee was still not refunded-almost a month since I downgraded cards. They said I had to wait another 30 days for the fee to be refunded. In the mean time I was charged a late payment and interest for the {$350.00} membership fee. 

The membership fee was refunded {$290.00} on XX/XX/XXXX at only a prorated amount. 

I called on XX/XX/XXXX to inquire about this. They said they will send a request up the chain. 

I called again on XX/XX/XXXX to get my full refund but after 30 mins they again offered to send a request up.

Citi has taken months and has not given me the full membership refund.
Honda Financials for a leased vehicle confirmed that a payoff payment was received form a 3rd party and that they have validated and processed the payoff. They send me the payoff confirmation, lien release and title. I proceeded to hand over the vehicle to the buyer. 

Honda now tells me that payment was not realized and has opened my account back up again. the buyer has since disappeared and sold the car to a Honda dealer, who is now listing the car for a sale Honda takes NO Ownership and can not explain why they released title without confirming funds were received. I have no way to recover the money nor fight honda in court. the bill i have to pay exceed {$24000.00} How can a financial institution release title without confirming funds. Also they never reached out to me letting me know to hold the car back!
There is a judgement from XXXX on my credit file. I never had a collection with XXXX. I contacted the civil court XXXX and provided the court docket number on the file. They had no record of the item. I disputed this with Trans Union and it remains on my file. There may have been some name similarity that put this on my file ... .but if the court does n't have it, how did it stay on the file after I disputed it?
I totalled my XXXX XXXX in XXXX XXXX. It was paid off by my GAP insurance with XXXX. Ally Financial claims that they were short paid by XXXX. Several months later they are chasing me for the shortage that I was not liable for. They show my on my report XXXX days late and owing {$400.00}, which is not accurate. I am paid in full according to GAP. I am not liable for the shortage if there is indeed XXXX.
I had   XXXX    XXXX  on  XXXX  the  XXXX . I have many debts from it and make payments every two weeks. Two weeks ago I got a notice from a collection agency, AARGON, stating I am in collections for an outstanding bill of {$40.00} from a   XXXX   XXXX  . Apparently, m  y   XXXX   came from there. The thing is, I have never heard of  XXXX   XXXX  nor have I ever received a bill from them. I contacted  AARGON  and let them know this. I was told my credit will be ruined if I do n't pay the {$40.00}. All I asked them for was a copy of the original bill. They told me I could find it on their web page. I asked for them to just email it to me. I was told, " I 'm not going to do your work for you. '' So, I went to their website and found my account. The orginial bill is not there. There is just a copy of the notice they sent to me. So I reached out to my doc 's office. They had no information other than   XXXX   XXXX   is a company they use. So I contacted  XXXX   XXXX . They did not have info but told me they would find out. But they have not called me back. I want to get this resolved, do NOT want my credit affected, and feel I have a right to see an original bill from this company. If I owe the {$40.00} I 'll pay it. But I ca n't help but feel they just check out patients and tack on bills to increase their income. Why else would they not send me a bill? I 'm out of pocket over {$6000.00} on this  XXXX . Yes, I can pay the {$40.00}, but the point is I believe I am being mistreated.
I have tried to dispute errors on my Equifax report for the past few months. And their services are very hard to work with. I am able to submit the dispute online without a problem. But when it comes time to check the status it gives me error messages stating that my information is incorrect. When I know for a fact it isn't. I contacted them directly and they stated that there is something wrong with the online portal. And I've been getting this " something is wrong '' notice since XX/XX/XXXX and we are in XXXX. But disputes I submitted came back after 28+ days and said the information was accurate when it wasn't. I don't know what my options are at this point because Equifax isn't being helpful in me getting this information removed from my report. I contacted the Credit Union and they verified the correct number that I told Equifax it was ( which is what is reported on my other 2 reports ) and I asked that they correct it right away. But I don't understand why the correction wasn't made in the first place with the dispute. 

It seems like there should be some kind of justice for them reporting the wrong information after a dispute has been filed. The creditor took my vehicle and it was not a peaceful retrieve my husband was in the car when they took the keys out and repossessed the car. They hiked my monthly payments up from {$500.00} a month to nearly $ 900 month because they added insurance. Making it impossible for me to pay. It was very predatory. When they took the car I had made 2 of the late payments and there wasn't a balance but they told me that since they took the car I would have to pay the entire loan out to get my car back. 

This has been very stressful and I just want to get everything resolved. 

Thank you.
The bureaus are reporting a bankruptcy Under the new law effective XXXX XXXX 2017 any public record data must include name address as well as SSN. or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information..
We had recently discovered we were losing {$5.00} per month with from an unexplained, and undisclosed new fee that arrived without warning or notice. After further investigation, we then discovered that we have been billed $ XXXX monthly for a " fee for less than XXXX bill pays ''. This has apparently going back at least a year from XX/XX/XXXX, and possibly longer, likely beginning around the time we moved to a different city in XX/XX/XXXX. Yes, that 's a a fee for LESS bill pays. In summary, we were billed at least 12 times for a service, for an amount that exceeds the actual value of the service, for using the service LESS than an arbitrary amount of times.
I disputed the collection with XXXX years ago XXXX knowledge the fraud and removed it from my credit report and account two years or so late it has returned do XXXX XXXX and XXXX XXXX the same people i reported for this fraud and stole my sim card from my phone and stole Identity and call credit bureaus reporting false information but this collection debt was already recognized as fraudulent charges and activity on this account for XXXX now the trying to collect the same fraudulent debt again with hurt my credit score twice now thank you XXXX XXXX XXXX
Dear Consumer Financial Protection Bureau, Synchrony bank (XX/XX/XXXX) Interest charges me two times with very large amount, which I do not understand ; on XX/XX/XXXX {$2800.00} and XX/XX/XXXX {$1100.00}.

I called and asked yesterday, what are these charges for. Sadly, it was misleading promotional charges they added to my credit card.

I was on unemployment benefit last year XX/XX/XXXX- XX/XX/XXXX. 
Please help!
I had reserved a car on-line with XXXX XXXX XXXX. When I went to pick up the car, I was told I had to give my Social Security Number in order to use my debit card to complete the transaction. I declined to give my SSN, so the agent directed me to XXXX at the next counter and asked the agent to honor the rate I had arranged with Budget. When I tried to pay at XXXX, my card was declined due to a " soft credit check '' by Equifax. The Equifax number on the explanation card was totally automated and only allowed me to request a credit report for a charge of {$7.00}. When I tried to rent a car through XXXX, they wanted to know the flight number I was booked on. Since I was traveling by bus, I did n't have a flight number, but when I asked about a train reservation they said that would be OK. So I called XXXX, bought a ticket with the card previously declined by XXXX. I was then quoted a rate XXXX the on-line rate for XXXX, the explanation being that I was a " walk-in. '' I called my bank and was told there was no problem with my account, which had more than enough to cover the {$200.00} hold requested by the car companies. I also had sufficient cash to cover both the hold and the original quoted rate by XXXX. I finally ended up getting a car through XXXX, same scenario as XXXX. The erroneous hold on my debit card by Equifax cost me both time and money, and no business should be asking for my SSN in order to make a payment.
On XX/XX/XXXX, I called Ad Astra Recovery Service to inquire about the collection item appearing on my XXXX Credit Report, after Ad Astra Recovery Service wrote a letter to the Consumer Finance Protection Bureau, dated XX/XX/XXXX, stating they sent deletion requests to the credit bureaus. I spoke with XXXX, a supervisor with XXXX, that stated, Ad Astra Recovery Service refuses to remove this collection item from my credit report, as they stated to the Consumer Finance Protection Bureau. XXXX states they never received the deletion request from Ad Astra Recovery Service. This company business practices are extremely unethical and in violation of the Consumer Credit Reporting Act.
I was denied credit to purchase a car. I called XXXX, they apologized they were wrong, they should never have sent this. This caused us financial harm.
Despite my repeated requests to be removed from Capital One 's mailing list for credit card offers, I keep getting them in the mail. I have called, left messages, and talked to people with guarantees that I am off their list yet I keep getting them. I am already on the non-solicitation list with my credit report yet Capital One keeps mailing me offers.
XXXX XXXX XXXX just reported a {$2800.00} debt on my credit report, and I have no idea where this debt came from. Prior to its appearance on my credit report, I did not receive a notice of right to dispute. I am supposed to receive this notice at least 30 days prior to a debt being reported, but I never received such a notice.
I have disputed some of the accounts that were having late payments with the credit bureau for several attempts, to no avail. I have paid my obligations on time which is not ..Please CFPB help me out here and remove the accounts, you are my last hope. The following accounts are inaccurate XXXX   XXXX, XXXX XXXX
I am XXXX yrs old and retired and my wife is XXXX yrs old and retired. 
We have lived in our home for XXXX years, raised our XXXX children here, and were enjoying relaxing in our declining years and playing with our precious grandchildren. 
In addition to this home and others we have owned during our working careers - we never missed any of our XXXX monthly payments for our various mortgages. 
In XXXX, XXXX American Home Mortgage Servicing , Inc. provided a loan modification giving us a new 40 year loan. 
In XXXX, XXXX Ocwen took over the loan. 
In XXXX, XXXX Ocwen added inspection fees to our monthly statementIn XXXX, XXXX Ocwen added more property inspection fees plus certified mail chargesIn XXXX, XXXX Ocwen added late payment fees and property valuation fees We disputed these adjustment to our contract and continued to provide the regular contract specified monthly payments. In XXXX, XXXX Ocwen Research Dept provided these details of our account from XXXX, XXXX through XXXX, XXXX : Property Valuation Fees - $ XXXXXXXXCertified Mail - $ XXXXXXXXLate Charge Fees - $ XXXXXXXXPrior Services Fees - $ XXXXXXXXProperty Inspection Fees - $ XXXXXXXXThroughout the ensuing months we have attempted to resolve this issue but Ocwen subjected us to these unkind tactics : - XXXX of phone calls ( at times up to XXXX per day ) - callers were from many countries outside the USA and never transferred our calls to a knowledgeable person at their US office. 
- callers would never have answers to our questions but insisted they needed payment- Ocwen issued additional charges for late payment penalty, property inspections, and other new charges not identified or explained. 
- Ocwen ruined our credit scores resulting in much higher interest rates when financing our purchases such as a new car. 
- Ocwen issued several " Default notices ''. 
- Ocwen has returned the last several of our loan payment checks in order to drive our amount past due up many XXXX of dollars. Seems this tactic was used to scare us and subsequently to justify foreclosure which was ominously mentioned in every letter- Now, last week, Ocwen has hired an attorney who has threatened foreclosure within 30 days. 

The stress caused by Ocwen over the past XXXX years XXXX. A XXXX, Ocwen 's harassment, lie 's, threats, failure to conduct business affairs in anything like fair treatment has brought my wife and I to a state of constant worry, fear, and total inability to either enjoy or even survive whatever days remain for us. 
I ask for your investigation of this company and hope you can bring us peace of mind by helping us to straighten out this situation and stop the foreclosure proceedings.
Overtime they have continually reported my credit inaccurately ( reporting I owed money that had already been paid, multiple listing on my credit report, etc. ) I have been able to get a lot of it removed. I have been trying to get them to accurately report my charge off as settled, but have been unable to get in contact with them. I have tried to contact the number listed on my credit report and they told me to call XXXX XXXX XXXX to get it taken off. I called the number and got a weird dial tone and then a disconnect. I also contacted AES, the servicer of the loan and they claimed they were unable to remove the information. They also claimed that they had tried to get a response from National Collegiate Trust, but were unable to achieve XXXX.
In XXXX 2016, I submitted a complaint to CPFB, # XXXX. The complaint was about XXXX reporting that I owed a balance to Citibank. I disputed entry with XXXX and asked for documentation to substantiate balance. XXXX could not get documentation from Citibank, yet maintained it on my credit file. I submitted complaint to CPFB seeking same documentation to substantiate balance. It could not be provided and entry was subsequently deleted from Chexsystems file and from credit reports. Citibank collection item has now reappeared on credit report under XXXX XXXX XXXX XXXX. Citibank has not been able to substantiate this debt, and I want it permanently removed from my credit report. Attached are documents from original XXXX claim.