WillisBack/dataset-financial-user-claim huggingface dataset:
Because I am receiving threats even though SLS is supposed to be addressing my earlier complaint, I 'm filing this new complaint. As a result, much of the information is copy and pasted from the previous complaint. The new issue, however, is that I have, since this compaint, provided the same documents I provided with my application to SLS and they continue to state I have not sent them. I have provided proof to both SLS and CFPF, but SLS has done nothing -- instead, they have put my account in default and threatened to accelerate the debt and foreclose if I have not brought current in 33 days. This is absurd and shows a complete lack of respect for what your organization is supposed to be doing. It 's as if this company simply does n't care. Please STOP THIS!!!! 

On XXXX, XXXX, 2016, I applied for a HAMP modification from my new loan servicer, Specialized Loan Services ( " SLS '' ). I am including a copy of the email submission page as well as a copy of the completed application. On XXXX XXXX, I received a letter from SLS indicating that " [ SLS ] is in receipt of [ my ] request for assistance. I have included a copy of the letter as well. As of today, XXXX XXXX, 2016, I have yet to receive any decision or other communication from SLS concerning my request for assistance. 
This is the second complaint I 've filed against this company within the last three months. The first is related to this one as I recently received more threats despite having submitted and resubmitted all documents. I am including their most recent correspondence as well as the last document transmittal I submitted to them with all my documents they had previously requested. SLS lies about supplying personal representatives ; the person they provide does not exist and their own agents have informed me that there is no personal contact.. I applied for and was granted 3-6 months forbearance from XXXX XXXX immediately prior to their transferring service to SLS. I requested copies of my mortgage documents, but SLS provided everything but the executed forbearance agreement with XXXX. At some point, they did send me a forbearance agreement for execution, even though at that time I had never applied for any assistance from SLS. Because my XXXX forbearance was expiring and despite the fact the offer date on the SLS one had expired, I executed that forebearance agreement and sent it back to SLS, but I never recived acknowledgment about it either. In either case, both forbearance would have expired by now and I have applied for a modification. I am hopeful that this can be resolved without the need for me to redo and resubmit multiple documents. Those type of shell game practices are supposed to be prohibited now. They are engaging in the very same practices for which I have filed this complaint at the very same time they are informing you that they are resolving the issue. PLEASE STOP THIS NONSENSE NOW. THIS IS MY LIFE AND MY HOUSE THEY ARE TRYING TO STEAL!!!
MY LOAN WAS TRANSFERRED TO GREEN TREE IN XXXX XXXX FROM XXXX. XXXX XXXX I received a paper from them showing these fee 's that they added on and when I called them they could not explain it. I know I was n't behind on my escrow and my taxes went down as well. That 's the month when it started. I told them I was waiting to hear about my modification from XXXX and they said that I have to apply for a new XXXX with them. So I did and they denied me. I tried again and once again they denied me and said even though my house is worth XXXX the appraised amount they the house is worth is XXXX. 
When I applied for the modification again for the second time. they denied me. in XXXX XXXX. So I wrote a letter to appeal it and I did n't get anything back from them this time. So I called in XXXX and ask them what should I do next. First they said that they did n't get my appeal. And then they put me on hold and said OH YEAH WE FOUND IT. And they will be sending me out the paper work so I can reapply for the modification. While I 'm reapplying for that I get a letter in the mail from downtown. Saying they filed a foreclosure on my house. Which I did n't understand if we appealed it last year in XXXX. and they must have lost my paperwork. So between XXXX starting this an sending it over to green tree. Which Green tree is not helping not one bit.
EVERY CREDIT COMPANY THAT I TRY TO GET MY SCORE FROM IS STATING THAT I 'M 'NOT WHO I SAY I AM.. AND EVEN THROUGH MAIL I CANT GET MY REPORT IN MY HAND. I HAVE A LOT OF ISSUES WITH EXPERIAN ALLOWING CREDITORS TO REPORT THE SAME INFORMATION ON MY REPORT JUST CHANGING THE AMOUNT
I check my credit report and i was surprised to find that I have a collection from XXXX that XXXX  put me with AFNI collections I have no knowledge of this account. I contacted the collection agency and explained to them I have no knowledge of this account and asked of any documentation or authorization by me supporting this account with XXXX they put me on hold and told me to contact XXXX. I did.They said they will check and get back to me which they did not. I did several attempts to resolve this dispute but they keep giving me the turnaround without giving me any kind of proof. Therefore I ask the CFPB to open an investigation and order the collection agency to delete and remove the collection from my credit report with all 3 bureaus XXXX, XXXX, and XXXX. Or provide me with the signed documentation authorizing XXXX  or any other kind of proof.
XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Bank of America sent me a modification I refused to except. Bank of America, continually trying to get me to accept a modification with the terms and conditions of adding on 40 more years onto a mortgage loan that I only have 17.8 more years to go before the mortgage is paid off. Instead of lowering my mortgage interest rate. Bank of America, sent me a modification that would have increased my mortgage interest rate with a balloon payment at the end of the terms for the amount of {$20000.00}. at the end of the modification in XX/XX/XXXX. Bank of America, is not applying or accepting my mortgage payments I am making. Continually harassing me about a modification, I refuse to accept, that they are trying to make to sign. The modification would have added on more debt onto a town home that is already severely under water. The entire modification, also stated that the existing debt I have on my mortgage would still be by obligation and was included into the modification. Costing the consumer the borrower an amount of over {$190000.00} on a town-home that is not worth {$10000.00}. After I denied the modification, I continue to get telephone calls from Bank of America Regulatory Department. I have repeated to all employees that I will not sign any type or form of a modification under the terms and conditions Bank of America wants be to sign ( according to the investor ( XXXX XXXX ). Furthermore, Bank of America is continuing to hold my monthly mortgage payments, by not applying them correctly, I was denied paying my mortgage payment at the Bank of America Branch, located in XXXX, Illinois. I had to make a telephone call to Bank of America on XXXX XXXX, XXXX to make my XXXX XXXX mortgage payment. On XXXX XXXX, XXXX, I called to see if my mortgage payment was applied correct. Unfortunately, it was not. It was stated to me only the case manager who is handling the account can apply my XXXX XXXX mortgage payment. After being sent a letter by Bank of America Modification Department dated XXXX XXXX or XXXX XXXX, XXXX, the modification was denied stated by Bank of America, Home Loans. I would like to have all of my monthly mortgage payments applied correct and dated as the correct date when I officially made the mortgage payment, so that I will not have late fees or any other type of fees applied to my mortgage loan. In closing, Bank of America, has reviewed my credit report consistently from XXXX XXXX - XXXX or XXXX. My credit report has over 7-10 inquiries from Bank of America, as if I applied for a mortgage loan when I have not. This is not in compliance with FCRA and needs to be thoroughly investigated. Please follow-up immediately.
i am a XXXX XXXX year old consumer Enclosed A COPY OF MY XXXX AND EQUIFAX credit report which is enclosed showed that the follwing debts are paid and closed yet they still are trying to collect money from me 10 years in the making. I HAVE ENCLOSED A COPY OF THE EQUIFAX REPORT ON XXXX CREDIT REPORT ARE XXXX XXXX XXXX, XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX   ( CLOSED ) Summary XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) Summary XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED )XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSE XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX ( CLOSED ) i never lived at the following addressesi have yold this to equifax in the past and these are still appearing on my report please asked them to removed. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL   XXXX Former XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX They inquiries are preventing me from geting the needed medical care this is wrong please have them removed. 

Date Company Request Originator XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , FL  XXXX
The mortgage company continues to make it difficult for me to get assistance online and I still can not get into my account online. When I attempt to ask for a new password, I get a message that I need to call ; I 'm then connected with their aggressive collection oriented " customer service ''. These people are combative and abusive in tone and have not been helpful and can not help with a password reset. The company sent me letters asking me to log on for loan assistance and when I tried, I was looped back into the scenario ; get your password, password link does n't work, call " customer service '', get collections people who do not help and tell you to call for help resetting password. These " customer service '' people are not even kept up to date with letters that were sent to me from the company which I tried to seek clarification on. They had no records or copies of letters and had nothing to offer by way of assistance but continued with collection techniques.
I received a notice from Loan Depot, in which I was informed that they had already conducted a Mortgage Analysis on my house, and that I was eligible to apply for a special refinance program, that would allow me to borrow up to, and perhaps more, than the amount of my current loan, which is at 4.25 %, fixed for 30 years, conventional loan. It stated the new rate would be 3.125 %, w/ 3.788 % APR. So I KNEW that there would probably be points involved in the loan, but it stated that my new monthly payment would be {$450.00}, a little more than {$100.00} less than my current payment. I described my mortgage thoroughly, my XXXX XXXX was listed as exceptional. The " offer '' stated " no or low closing costs. '' which ended up being several XXXX dollars. It also said no hidden fees, and possible no appraisal or income verification. I knew that was misleading. But it was only as I was about to give him my credit card to start the process that I finally understood him well enough, that it was now 3.35 % [? APR ] and worst of all it was an XXXX ARM. He said there were limits on how much it could go up. He THOUGHT it was about 2 % /yr. I felt as though, if I had not been an attorney myself, though retired on XXXX for many years, he was trying to set me up for an action that could have easily bankrupted me or my heirs at some point, at least after 10 years. I FELT as though he was clearly being fraudulent with his explanation to me about this proposed transaction. I have his email, but will not include it unless you think that would be appropriate and safe. I would simply like to advise other people who may not have as much experience with mortgages or property law to be cautious if any one should decide to pursue a transaction with them.
Re Case # XXXX After speaking with a representative from the CFPB about the response I received from XXXX XXXX XXXX not addressing my main issue at this time, it was suggested that I send a new complaint, supply feedback and/contact an attorney. 
Since I had contacted an attorney and regarding this issue, and had been told that with the information provided I can't verify who owns the debt. XXXX & XXXX states that they are handling the account for BOA, but I have yet to receive proof, only copies of statements mailed to me of who owns the debt from BOA. I did receive a letter from XXXX & XXXX stating that they are basically working on behalf of BOA, but did BOA sell it or have another company handle it, then take it from them and gave it to XXXX & XXXX to be handled? I'm just simply wanting to verify because I have a letter from another debt agency asking for payment of this same debt and all they sent me as proof was the same statements. I was informed that Ga law specifies that there should be a Bill of assignment. Each assignment should show who had and released ownership to where it is now. I respectfully request competent evidence from XXXX & XXXX of who owns the debt, as required by Fair Debt Collection Practices, so that I can have proof should I need it in the future. Yes did speak with an attorney when I showed up for court, and we did discuss a hardship payment arrangement ( one that Bank of America, which you state you are representing, would not agree upon while yet giving XXXX & XXXX the authority to do so under the same financial circumstances, yet they tout being loyal to their customers. They apparently would rather assign a company to process a lawsuit and give them permission to work out an arrangement, rather than work out a payment arrangement under the same financial circumstances. ) I need to know that when this is resolved, I have proof of the account being assigned to each company ending with XXXX XXXX XXXX. If it is indeed the law, I just need those assignments for my records. If it is not the law please state this so I can confirm. 
Anyone in my same position, I would assume, if two companies are asking for the same thing and both are providing the same proof of ownership. One, XXXX & XXXX is suing while the other has not yet taken that step, who's to say that if an agreement is reached that the other company will not come in and do the same. 
I too want this resolved as expediently as possible. I appreciate that XXXX & XXXX stated that they want to cause no inconvenience, I just want to make sure that what was stated by the attorney I spoke with is resolved in a timely manner prior to the court date which is quickly approaching.
I applied for Marriott Rewards card through Chase on XX/XX/XXXX. I was denied on XX/XX/XXXX. The reason was that I had too many cards opened in the last 2 years.No quantitative information to define a maximum is provided. My FICO is over 800. I have never been late on my payments. My debt loan is minimal compared to my income. The simple matter is Chase is being punitive and denying rewards cards to customers who do not carry a debt. This does not appear to be fair credit lending.
This is my last effort to resolve this matter before I pursue to taking legal action.   This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.
To whom it XXXX concern, XXXX negative accounts ( XXXX XXXX XXXX, XXXX and XXXX are fraud charges, NOT MINE. see attachment ) on Equifax credit report are incorrect. Filed claim to equifax fraud accounts to be removed on XXXX/XXXX/2015 with enclosed all CERTIFIED RETURN RECEIPT communications with grantors, police report. Equifax is refuse and ignore to remove fraud accounts from my personal credit report without one valid response, this endless investigations time goes on. 
During the last 60 days investigations, Equifax found that they have different personal ID and information on their record, I had to supply my ID and proof of residency twice, every 30 days. Please see attachment. 
When I knew about these fraud charges was XXXX 2015 by a XXXX collection call. I found grantors of the credit accounts through credit report, notified them there are fraud account opened on my name, demand them to close account and validate via USPS Priority Mail Three times to each grantor ( s ). These grantors ignored my request, never responded me ONE TIME till I filed dispute to credit reporting agency. Please attach documents. 
Equifax has not provide me any valid response as of today, meanwhile, it is keeping negative account on my credit report causing me serious harm. ( My normal credit scores is range from XXXX to XXXX. Due to this credit fraud incident, my credit dropped to low XXXX. My line of credit account credit line has been terminated due to low credit scores and yet agency does not fix its reporting timely manner nor cares to read my evidences/affidavit provided to them at all. 
I can not express in word how devastating process it is to go through with Equifax. Their customer service phone responses were, " if grantor said it is valid, then it will have to stay in credit report for 7 years ''. They are not listening to me nor reviewing documents I attached. 
I have notified all XXXX accounts on XXXX XXXX, XXXX and XXXX that they are Fraud accounts, close account effective immediately three times. And phone and XXXX Mail. And Equifax has the attached documents and yet they act as if they are not reading nor hearing it. 

PLEASE REVIEW MY ATTACHED DOCUMENTS, FTC, POLICE REPORT, EVIDENCE OF COMMUNICATIONS, HELP ME TO HAVE EQUIFAX TO REMOVE INCORRECT DATA FROM MY PERSONAL CREDIT REPORT.
I received a private loan through Navient. I have paid every month without fail up until I had XXXX extreme changes in my life.!. I went back to school to better my life. 
2. My husband a military vet. passed away while under the care of the Va hospital. I have maintained constant contact with them. I have provided them with the proper documents stating I was a XXXX XXXX XXXX and was unable to make payments. However, when I came to visit my mom in Maine she brought to my attention threatening letters from navient saying that if she did not call pay them she would be " ruined '' financially. I then called and was transfer between XXXX people. One said I had no record of an account with Navient, One said I was 90 days past due and one of the final woman named XXXX found all the paperwork I had sent it was mysteriously disconnected at the moment she noticed. When I returned the call she was " gone '' for the day. ( all of this is recorded on my phone ). I have been lied too and made to think I was receiving a deferment while in school then slapped with 8 months of interest. Totaling XXXX. On the occasions I spoke with them four and two months ago, there was no mention of this. When I asked I was told they were not required to tell me by law it is a courtesy to make someone aware of their current standing with them. Again all recorded, If there is anyone who can help me please contact me as I am at my wits end.
I first recieved a call from this number on XXXX XXXX. I was told my sister had some sort of fraud going on her account. I told them her phone was disconnected and I did not get a hold of her. I received XXXX calls today. I researched online and discovwred this company has similar complaints in which they say they are trying to get a hold of someone but its a debt collectors. I just got off thw phone. A woman named XXXX answere. She said ahe was trying to get in touch with me and they some identity theft stuff. I told her tgat I 've had credit monitoring for the last year so its not pssibme and that the last time I got a call from this number that they said they were looking for my sister. To which the the XXXX said my sister put me down as a reference for evergreen. I told her that I do not want to be call anymore becauae its a debt collector looking for my sister and I wanted to placed on the do not call listI told her to send written notification to my sister instead of repeatedly calling me. The lady was very argumentative and would not agree to place my number on a do not call list. I eneded up hanging up on her with my last words being do not call me
XXXX   XXXX   XXXX  violated FDCPA  1692e.   XXXX   XXXX   XXXX  filed a false claim in Small Claims Court stating that Arbitration was terminated due to the Defendant ( Me ) failure to pay fees.  XXXX  and  XXXX  failed to pay fee causing Arbitration to be terminated. In  XXXX  arbitration, I am the  Claimant and    XXXX   XXXX   XXXX  are the Respondent.  XXXX , clearly states t he Respondent  did not pay. Per  XXXX  '  Policy, th ey review credit card agreement and other documentation and decides who pays what and send a letter to all parties involved stating who pays.  See Attachment.     XXXX   XXXX   XXXX   XXXX  knowingly lied on filed claim which clearly violated the FDCP A 1692e
On a letter date XX/XX/18, Ally sent me a bill for {$1200.00}. I fully reject this as not being valid. A ) There is/was no excessive wear to the vehicle ( {$540.00} ) B ) Sales tax on excessive miles/excess wear and tear if false ( mileage was significantly below what was allowed as per lease agreement ( {$47.00} ) C ) Total Daily Extension Charge is false as the only reason the car was kept past the date in the lease is because Ally, for 4 months lied to both myself and my mother ( the person who was going through the lease buy out ), dragged its feet throughout the process and is guilty of fraud against and elderly woman. They scared her into thinking the car was going to be repossessed on a phone call and she drove that day to the dealership to turn the car in. The {$620.00} listed for that charge is their own fault. If they proceed in taking this matter further, I'm going to district court to file a countersuit in the tens of thousands due to all of the lost money paid into the vehicle for the lease. The process was initiated for the lease buy out in XXXX and in XXXX the lied to my mother ( whose primary language is not English ) and scared her into surrendering the car. This is after I have proof in an email that the buy out application was approved. Given that I am in MA, that is the only reason I haven't filed a suit against Ally already. Now I will have to take time off to sue them.