WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm complaining about this rush card service after being a customer for years. The last month has been simply amazing. I took my children out for family dinner night..we decided to go to bbq XXXX for dinner. We 're laughing, eating, talking having a great time out the weather is a nice night considering it was XXXX. The waitress came to our table and asked would there be anything else we would like. My kids and. I were quite full. So we asked for you the bill. It was {$120.00} I gave her my rush card a moment later she said it was declined. Could n't be I asked her to please try it again. My kids looking at me. I 'm feeling a little concerned my self now. As she came back to our table again she said I 'm sorry XXXX . It 's declined. Now of all times this restaurant is crowded. What in the world I 'm going to do. I have no money on me my rush card is all I have. Finally I had to leave my kids at the table and go talk to the manager. Feeling embarrassed and nervous I had to tell the manager there seems to be a problem with my rush card. The manager told me he was going to have to call the cops and that we would be going to jail. What I try to explain .tried to call rush no one was available to help me. I was on hold for XXXX HOUR JUST TO HEAR THEY WERE HAVING DIFFICULTIES WITH THE CARDS AND THEY WORKING ON IT. TO AVOID GETTING THE COPS INVOLVED I HAD TO GIVE UP MY CELLPHONE IN ORDER FOR US TO LEAVE and come back to pick it up when I got the money. Feeling embarrassed with everyone looking and talking I got my XXXX kids and. Left. I just could n't believe it. I called rush from Wednesday XXXX XXXX - XXXX all they could say was they apologize for the inconvenience. They working on it. Day in night I 'm calling I REALLY needed my cell phone just imagining who 's calling. I went the whole weekend with no phone. Monday came I was able to withdraw money to get my phone back. There were still problems with my rush card they could n't access my records. Did n't know who I was. Customers service had me on hold for hours just to say they experience technical difficulties. It 's been a nightmare. A nightmare I 'll tell you.
This account with XXXX XXXX have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( XXXX ) and I am receiving my FBI report. 

This creditor in question has neglected my letters and not responded to my calls / emails. 

XXXX XXXX  ( XXXX XXXX XXXX ) on my credit report is fraudulent and not mine, although this account is being paid satisfactory THIS IS NOT MINE and I have let the FTC & CFPB know this. 

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "
Spoke with XXXX XXXX at Texas Guaranteed and someone in the compliance department who refuses to work with me in getting my loans resolved. They are forcing me to stay in garnishment, giving me inconsistent information and very very rude. I would like for them to no longer service my loans, remove my garnishment. This is the worst customer service experience I have had to deal with. Although I owe money, it does not give them the right to hang up on me when I am trying to find a solution for myself and help myself out of this XXXX situation.
XX/XX/2018. My name is XXXX XXXX. I am writing this message in regards to more than several different accounts and inquiries your company is reporting inaccurately. I am disputing these accounts and inquiries as an internal dispute and as fraudulent accounts which you have 3-5 days to correct and remove permanently. I am unaware of the accounts and inquiries youve listed on my credit profile. I demand that theyre removed in less than 72 hours. I have attached a letter down below.
On XXXX XXXX 2017 I needed to make a few transactions at a XXXX atm machine ser # XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX fl, useing my American Express Serve XXXX pre-paid card i made my first transaction for XXXX $ which i recieved my cash, i made my second transaction for the same amount XXXX $ which i didnt recieve from the atm, so i retryed a thrid time still i didnt recieve my cash, so i decided to check my card balance n my account was charged XXXX $ for 2 transactions that i never recieved, I called american express serve cusomer service and explained what jus had happen, they told me that they will review n investigate my dispute, and send me a email, On XXXX XXXX i recieved a email seying that a review was made n that i violated the consumer user agreement n that my account n card is supspended, i never did nothing wrong, i was jus trying to get some of my tax refund money off my card, why did they take my money,
I have sent 4 letters to experian and XXXX in regards to verifying my negative accounts shown on my credit reports and have also sent letter to the creditors proving that the accounts indeed are valid. Nothing with my signature was provided. XXXX after 2 letters deleted all the accounts in question, but he other 2 ( experian and XXXX have not ) I have all the letters sent to the 2 agencies and have certified proof of their receipt. My name has a middle initial with a XXXX and they are sending me stuff with my name with no XXXX These negative accounts are ruining my credit and preventing me from several things im entitled to as a U.S. citizen. Please help. Thanks
Gold Key Credit Credit Inc, XXXX XXXX XXXX XXXX, FL XXXX does not have a license to collect in Florida, they are constantly falsely reporting debt to my credit report that does not belong to me.
I received a auto loan from Credit Acceptance in XX/XX/XXXX. In XX/XX/XXXX or XX/XX/XXXX Credit Acceptance sent for my car to be repossessed. I was forced to pay over {$300.00} to get my car back. Upon investigation of their claim of a past due amount, Credit Acceptance admitted that the REPOSSESSION was an error, and my account would be credited for the repossession/ storage fees. I paid the loan off in XX/XX/XXXX. The lender claimed I still owed money in XX/XX/XXXX, so I requested a detailed statement of account payments. The information provided was not clear and only confused matters. So I added all payment amounts posted by Credit Acceptance and it showed I was all paid up but they still refuse to release my title to car. 
In XX/XX/XXXX, Credit Acceptance sent a repossession company to my house to extort me for a payment or they was going have them take the car. They also reported to the major credit reporting agencies false information, claiming account is closed even though there is a clear dispute with regards to amounts left on record as owed. Credit Acceptance still have not released the title to my car and they continue to have negative remarks on my credit reports preventing me from getting future loans and better rates or services.
THIS LOAN HAS BEEN ONGOING FOR 12 YEARS, AND DO NOT KNOW WHAT THE XXXX IS LEFT AS XXXX KEEPS COMING UP ON MY STATEMENT, IT IS LIKE A DRAIN BACKING UP UNTIL YOU GET MTHE CLOG OUT IT WILL KEEP BACKING UP, TERRIBLE. ALSO I DO MY PAYMENTS BY CHECK AND A STATEMENT DID NOT ARRIVE AT THE HOUSE AT IT NORMALLY DOES, THIS WENT ON FOR TWO MONTHS, I DO NOT KNOW IF THEY ARE FOCING ME TO ONLINE BANK, NO I WILL NOT DO IT, A CHECK TO THESE PEOPLE OR WHEREVER HAS BEEN GOOD FOR 12 YEARS WITHOUT A LATE OR MISSED PAYMENT. AFTER THIS I GO ONLINE AND SEE THE BIG RED MARK BEHIND THE STATEMENTS. LATE FEES AND SO ON, WHICH THEY WILL NEVER GET. I HAD THE LOANS THROUGH XXXX WHICH I HEARD IS NO LONGER IN BUSINESS. I WOULD LIKE AN INVESTIGATION INTO THESE PEOPLE AND FORBEARANCE OF THIS LOAN, ICH I NEVER HAD A CHANCE TO USE AS A XXXX. THIS WAS MHAD MANY LENDERS NAMES ON IT AT LEAST 4 OR 5 THAT ARE IN THE LOAN SOMEWHERE, THEY KEPT CHANGING NAMES AND SENT ME BOOKS FOR PAYMENT METHODS BY MONTH, THEN THIS QUIT AND ANOTHER COMPANY TOOK OVER, COULD N'T KEEP UP WITH ALL THE MANEUVERING AROUND WITH THE MONEY FOR THE LOAN, FINALLY THESE CLOWNS NAVIENT APPEARED INTO THE ACT, NOT TO HAPPY WITH THEIR PERFORMANCE EITHER. PLEASE GET ME OUT OF THIS LOAN AS IT MEANS NOTHING TO ME ANYMORE WITH THE DEGREE XXXX CHOSE, THE XXXX NEVER HONORED WHAT THEY TOLD ME AT THE BEGINNING AS PLACEMENT AFTER GRADUATION.
Rushmore Loan Management is trying to collect on a debt that is n't theirs to collect and it also does n't exist. Rushmore Loan Management has that my mortgage is one month behind due to not paying a payment to XXXX XXXX XXXX in XX/XX/XXXX. 

Please note, Rushmore began servicing of the loan as of XX/XX/XXXX. They are trying to collect a debt that is n't owed because XXXX XXXX XXXX made an adjustment to the loan due to a mortgage modification. 

Rushmore also has an incorrect loan balance from the beginning of the loan. If anything, they owe me money. I 'm attaching the loan transfer information. It has the proof of date that Rushmore began servicing loan. I 'm also attaching XXXX XXXX XXXX 's final statement, dated for XX/XX/XXXX payment. It shows a final principle balance of {$100000.00} ( I circled it ). The statement does not show any late payments. It actually shows " unapplied funds '' which Rushmore does n't show on their records.
Rushmore shows in there records of a beginning balance of {$100000.00}, I circled that too. The unapplied funds which Rushmore does n't show on my account is {$490.00} which was actually sitting on account prior to filing a bankruptcy. It should actually be applied to the principle on my loan cause technically I 'm out of Bankruptcy now. This unapplied funds can easily be viewed on the XXXX  XXXX XXXX final statement. You can also note my final payment to XXXX XXXX XXXX which was applied XX/XX/XXXX. There are no missing payments reflected on the statement. 

Rushmore is in violation of the Fair Credit Reporting act on trying to fraudulently collect a debt, putting my loan in a false default and I think their in violation of insurance fraud because I think they have fraudulently collected on mortgage DEFAULT insurance. I 've tried to correct this so many times with Rushmore by even reconciling their statements for them. 

I want my loan taken out of default. They should also be assessed each individual {$1000.00} for each occurrence for violation of the Fair Credit Reporting act and they should be investigated by the appropriate agency regarding mortgage loan servicing fraud. 
Please see the attachments. Please also note, I circled all the payments made to Rushmore that are noted in their own records. You will see, I have n't missed a payment. 
Thanks, XXXX XXXX
Our mortgage payment includes an additional amount that goes into an impound/escrow account to pay for our home owner 's insurance and taxes. Our insurance company sent the request for payment for our home owner 's insurance payment in XXXX and it was due on XX/XX/XXXX. The mortgage company has not paid it. We received a notification from our insurance company that they were going to cancel our insurance if the payment was not processed by XX/XX/XXXX. It takes a day for it to process, so the insurance company needs the payment by XX/XX/XXXX in order for it to remain in effect, otherwise it will be cancelled and need to be reinstated which will take longer. We have contacted the mortgage insurance company XXXX times in the past week. The first time, they said they would request an expedited payment which would be overnighted to our insurance company. That was on XX/XX/XXXX. This morning, XX/XX/XXXX, they said that the payment was overnighted yesterday. This afternoon they said that there is something preventing them from making any payments on our account. 

On top of that, two months ago they started charging an additional fee and there is no explanation for this fee. I thought it was a one time thing and it is on this statement as well. Apparently I have make another phone call to a different department to discuss that fee. 

We are in the process of refinancing our home, which has already taken considerably longer than usual and now this is causing additional delays not to mention that our homeowner 's policy is pending cancelled and if the payment is not received by tomorrow, it will be cancelled.
In the last 3 weeks I have gotten 4 calls from the following number : XXXX with the following message : This message is for ( my name ). If you are not ( my name ) please hang up. By continuing to listen to this message you agree that you are XXXX XXXX. My name is ( insert name here ) and I am calling from Northstar Location Services please return my call at XXXX regarding a debt collection. 

I do not have any outstanding debts. I have looked up the number and it there have been several complaints that this is a scammer number.
I signed up for a promotion for a Citigold account that would offer me XXXX XXXX miles. I completed all the requirements and waited for over 90 days ( as stated by Citi ) and I still have not received my bonus miles. I had confirmed with their customer support through secure message that I am qualify for the bonus before I completed all the requirements. I even have a letter stating I am qualified to receive the bonus miles. However Citi is refusing to credit my XXXX account with the promotion miles that they had promised initially. I am now filing a formal complaint against Citi. This is a bad practice by Citibank.
I have been banking with USAA for about XXXX years. I have disputed the order of transactions several times but it continues to happen. For example, I will make a purchase and the funds will be available and the money taken out of my account. Then a few days or a XXXX later the transaction will appear to have overdrawn causing a fee and the transactions will be out of order. It seems transactions are out of order for the convenience of the bank taking out bank overdraft fees. That causes of slippery slope of fees because the bank takes out money that is n't supposed to be taken out. That leaves the unknown of where the funds went that was taken out when the purchase was made. USAA is either stealing out of my account and charging fees or something.
To the CFPB : On XX/XX/18 I was notified via email that American Express Serve had closed my re-loadable prepaid account, which had funds totaling {$990.00} remaining in the account. I attempted to login to my online account to withdraw my remaining funds, however, my online account was deactivated, preventing me from accessing my funds. I then called American Express Serve customer service and was informed that the account was indeed closed by the issuer, and also that the funds had not been refunded to the original payment methods or issued to my mailing address via check. I then requested to speak to a supervisor to assert my rights to have my funds promptly refunded to me. The supervisor proceeded to tell me that she is unable to do anything and that another representative will need to get back to me sometime at a later date, meanwhile American Express Serve will be holding onto the funds. I expressed my dissatisfaction with that response and requested an exact timeframe for the refund and for when I would be contacted by the next representative, but the supervisor did not provide a timeframe or provide tangible steps for when the refund would take place. I am seeking the CFPB 's assistance to have my funds returned to me immediately in response to this illegal and unethical confiscation of my funds totaling {$990.00}. 

American Express Serve is a reloadable prepaid account. One of the participating retailers where customers can load their account is XXXX XXXX. In compliance with the terms and conditions of the account, I loaded {$490.00} ( via Visa card ) to my account on XX/XX/18 at XXXX XXXX and then loaded {$490.00} ( via Visa card ) to my account on XX/XX/18. In both instances the transactions were successfully approved at the cash register, and I also received confirmation emails from American Express Serve confirming that the loads were successful and that the funds were in my account. I completed my transactions at a participating retailer using a permitted payment, yet American Express Serve unilaterally decided to immediately close my account and not allow me to withdraw my funds. As of approximately XXXX XXXX EST on XX/XX/18, American Express Serve has closed my account, prevented me from accessing my account to withdraw the remaining funds totaling {$990.00}, and has not issued a refund of my funds or provided an exact timeframe for when the refund will be received. Additionally, I have reviewed the transaction records for my Visa cards ( which were used to load the account ) and have verified that the funds were successfully transferred to my American Express Serve account. In sum, American Express Serve is currently holding onto my funds and not returning them to me ( despite my requests ) which I believe constitutes theft and is egregiously illegal. I am seeking the CFBP 's assistance to investigate this matter so that I may receive my {$990.00} immediately.
EXETER FINANCE COMPANY Mailing Address Exeter Finance XXXX XXXX XXXX XXXX, TX XXXX Exeter Finance Payment Processing XXXX XXXX XXXX XXXX, TX XXXX Email Address XXXX XXXX XXXX  Customer Service Hours Mon. Thu. XXXX XXXX XXXX XXXX ( CST ) Fri. XXXX XXXX XXXX XXXX ( CST ) Sat. XXXX XXXX XXXX XXXX ( CST ) Customer Service Phone ( XXXX ) XXXX COMPARISON OF EXETER FINANCE AND XXXX XXXX STATEMENTS EXETER BANK DATE PAID XX/XX/XXXX extension XX/XX/XXXXOK XX/XX/XXXX OK XX/XX/XXXX extension XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ONTIME!! **XX/XX/XXXX ( credit report states late 30 days late should be OK ) paid {$500.00} XX/XX/XXXX XX/XX/XXXX extension ( credit report states late 30 days should be OK ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$970.00} for XX/XX/XXXX. and XX/XX/XXXX ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! **XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX( 30 days late paid {$500.00} )XX/XX/XXXX ONTIME!! ** XX/XX/XXXX( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! **XX/XX/XXXXEXTENSION GIVEN!! ( 30 days late per XXXX credit report ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXXPer these figures and facts, there are 13 wrong 30 DAYS LATE per the credit report!!
Only 7 of the '30 DAYS LATE are actually correct. 11 are incorrect by stating 30 days late!! Considering these mistakes, how many other mistakes do you think are made??
Per phone call these are the EXTENSIONS GIVEN : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX
A XXXX XXXX was purchased in XX/XX/XXXX, the company who financed the vehicle is XXXX XXXX is located Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX, they required a tool to be attached to the starter of the vehicle which would cause the vehicle not to start if I failed to make payments. immediately after the purchase the vehicle began to falter, failed to start. after a cost of over XXXX in repairs the vehicle, that seemed to appear in one week, the vehicle still continued to fail to start. I made every payment on time for a period of 18 months, still continuing to have starter problems. A number of calls were made to XXXX as per the trouble with the starter, each time they failed to act or to address the problem. In XXXX of this year XX/XX/XXXX, I traded the car off to the XXXX XXXX in XXXX, NC, and thus paying the car off in full. XXXX XXXX had not been reporting my payments to the credit bureaus, and after paying the vehicle off in full, the only action XXXX XXXX took was to report the account closed. No statement of accurate on- time payments for over 18 months, thus this has effected my credit score.
This concerns Paypal. I am a regular consumer ( not a merchant. ) My problems started when I had a dispute with a vendor and blocked a Paypal payment of about {$150.00}. I blocked it with my credit card company ( XXXX ), but I believe the original purchase was made with Paypal ( who then charged it to XXXX. ) Now Paypal shows my entire account blocked because of the dispute. But i can not clear the dispute from Paypal. 

Shortly after this dispute arose I had {$3700.00} deposited into my Paypal account. Now Paypal won't let me transfer those funds to my bank account. Paypal has held my money for 9 days now. 

The Paypal web site claims to allow me straighten things out, but the resolution function either doesn't work ( the wheel spins and spins ), or it confusingly demands that I upload documents without telling me what documents. 

I called Paypal but got into a lengthy phone tree. 

I feel that Paypal is abusing its control of my funds. It is using the minor issue of a previous dispute to forcibly deny me access to my funds, By the way, some of my friends have similar complaints. I think Paypal is making the transition to being just another abusive Internet company. 

I hope that CFPB will keep closer scrutiny on Paypal. 

And please let me get access to my funds. Once I have extricated myself from Paypal, I will very, very cautious about ever using their service again.
I keep getting emails saying I owe money over XXXX ive neber taken out a loan
I filed bankcruptcy XX/XX/XXXX. It was discharged XX/XX/XXXX. I had a loan modification done with my previous loan servicer before they sell the loan to Ocwen loan and it was approved by the backcruptsy court. Now the new servicer Owen loan is not enforcing the loan modification as they are claiming post-petition arrears even all my payments have made timely. They were claiming my 3 months trial payments were not received as well as the signed modification documents. I have sent all the documents and my payments were all went to the bankcruptsy trustees. Now they are claiming that I owe them {$66.00}, XXXX as a post petition interest. I total disagree and this is just plain wrong doing. I am OK for you to share this letter with other people as it maybe happening this problem to others.
showing on my experian credit score, As length of time ( or unknown time ) since account delinquent, this information has been in my account since 2000 and not sure why credit report would remove it.