WillisBack/dataset-financial-user-claim huggingface dataset:
I am a minority, single, elderly woman in Bankruptcy Chapter XXXX and I was working with XXXX to modify the mortgage. Now they have locked me out of my own house! They have a sale schedule on the XXXX of XXXX and I ca n't enter my own house or get my personal belongings! This is illegal! XXXX either sold, owns, or is the servicer of the mortgage to XXXX XXXX XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that myself and my ex-husband XXXX executed them and that XXXX is out Attorney in Fact. The attorney for the Servicer who notified for regarding the Sale set for XX/XX/2017 id XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The Notice of the Sale and security Deed is XXXX ( XXXX. as Nominee for XXXX XXXX XXXX, transferred to XXXX Investors. I spoke with Rushmore 's representative and I told them that I was presently in Bankruptcy Chapter XXXX but wanted to do a modification and asked them to send me the paperwork. The representative said that would not be a problem and that they would work with me on modifying the mortgage. I also told her I wanted to make sure of the real owner the mortgage as XXXX send me another letter saying they are still the servicer. Then I received another letter that XXXX was and another that Rushmore was. This IS very confusing and unethical! I never received the paperwork for the modification and then received a notice of from their attorney, XXXX. I replied to the attorney in XX/XX/XXXX and let him know I am in Bankruptcy as all their correspondence said they were a debt collector attempting to collect a debt. The next correspondence I received was a Foreclosure Sale set for XX/XX/XXXX in 3 weeks. I called the representation and explained again that I had never received the paperwork for the modification. She then told me it was too late to do a modification and that it was set for sale. I explained again that I am still in bankruptcy and she argued with me and said my bankruptcy was dismissed which it is not! I told her they could contact my attorney and he would tell them I am still in Bankruptcy. She said there was nothing she could do. I am still in Bankruptcy and it is active. My attorney 's name is XXXX paperwork and case number attached. The representative said I have 3 weeks to get my furniture and personal items out of my house or I would lose even my personal belongings! XXXX
I filed claim case # XXXX on CFPB addressed to Banco Popular de Puerto Rico. Banco Popular responded to that claim : " Relief We referred to the XXXX and XXXX Credit Agencies the removal of the additional inquiries to your credit report. '' I contacted XXXX and XXXX Credit Agencies today ( XX/XX/2017 ) and both of them advised me that Banco Popular de Puerto Rico had not referred any removal of any inquiries to my credit report. They advised me to contact Banco Popular so that they communicate XXXX and XXXX through their credit system the removal of the additional inquiries to my credit report. 
I then called Banco Popular at XXXX on XX/XX/2017 as suggested on their response to my claim and the agent that took my call had no clue about my claim case # # XXXX filed to the CFPB. 
I thus have no alternative but to file another claim to the CFPB : ( 1 ) To report that Banco Popular did not refer to XXXX and XXXX the removal of the additional inquiries to my credit report as promised on its response to claim case # XXXX. 
( 2 ) To bring to your atention that both XXXX and XXXX advised me that if Banco Popular would refer the removal of the inquiries through their credit communication system, the removal of the inquiries would be almost immediate. 
( 3 ) To request once again that the additional hard inquires are removed from my XXXX and XXXX Credit Reports. 
( 4 ) To report that Banco Popular was unable to assist me on the phone regarding this case in contrast to what was stated on their response. The agent had no clue about my case. He could not find it. This is unacceptable.
I asked Navy Federal Credit Union to re-imburse me months ago for a few transactions and they never did in these specific amounts. And I was not given a form to fill out. I had to call and file fraud. Now they are saying they could n't refund me the money. 

But now they say that they were supposed to add back $ XXXX to my credit card which now they have n't done. HELP!?
My account balance with  XXXX   XXXX  was  discharged in a Chapter   XXXX  Case #  XXXX  filed   XX/XX/XXXX  an d converted to a Chapter  XXXX   XXXX  filed   XX/XX/XXXX .  To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.
Since  XXXX    XXXX   I have been trying to get a validation of debt From  LVNV FUNDING, LLC  on this account and I have n't received a response this negative error is preventing me from making big purchases
US Bank Home Mortgage is the company handling my mortgage. Our agreement is that they are to pay our homeowner 's insurance from my monthly mortgage payments. Over the past 2 years handling our mortgage, we have received several cancellation notices from my homeowner 's insurance companies due to non-payment of the premium that was supposed to be paid by US Bank Home Mortgage. Because of this, we have had our homeowner 's insurance cancelled multiple times and had to switch insurance carriers on account of this issue. At one point, I was told I had 2 insurance companies at the same time and was paying both of them. 
Now I am paying {$350.00} MORE than my regular mortgage payment PER MONTH. When I called the US Bank Home Mortgage to ask why, they told me it was because of all the insurance cancellations. They said there was a shortage of over {$4000.00} that needed to be paid off by me through my mortgage payments. I have never missed a payment nor have I ever not paid the amount in full. I paid Us Bank Home Mortgage what I owed " including the insurance money '' and because they did not pay the insurance company, I have this predicament. 

I do not feel that I should be held responsible for the mistakes of Us Bank Home Mortgage. I feel that per our agreement with them, they should be making regular payments to the insurance companies from my monthly payments so my insurance is not cancelled all the time. 
I live on a XXXX basis and I can not afford this. My mortgage was for {$140000.00} with est {$1100.00} a month mortgage payments. I now have to pay {$1500.00} a month for the next 12 months to pay off their mistake.
This complaint was resolved as identy theft 5 years ago by the FCC. Now I 'm getting notices again. I do not know what to so to stop this
I did all this before by a nice conversation with someone regretfully i did not write down their name. 
Back in XX/XX/XXXX i started working with XXXX XXXX at Wells Fargo trying to get my payment lower as my savings in the bank with nothing left but monthly social security check. It was impossible to pay {$1200.00} a month with social check of {$1400.00}. 
So i was told not to worry she would send me forms and tell me documents to send. 
I did all that. She sent me an email XX/XX/XXXX that everything looked good, She is send it up to adjusters to get a mortgage payment of {$500.00} to {$900.00} and then i will start paying again. 
They sent be a Forclosure earlier this year and i got XXXX to represent me, There payment was to take {$750.00} every 3 months to get my payments down, Then they put my house on auction for XX/XX/XXXX. I Have Begged them to let me start paying every month but will not let me do anything. 

I was told get a trailer for $ XXXX.to {$350.00} a month 1-2 bedrooms. 
I NEED immediate help i am having XXXX XXXX and i do not know if i can live through another XXXX XXXX, Any suggestions. phone XXXX
I 'm trying to buy a HUD foreclosure property. The bank do a background credit check and found the debt amount of {$22000.00} to the IRS. They told me and I said them that account is n't mine. So, I decided to call transunion to report the problem and I went to their office in XXXX, PR too. Then call and go to the IRS office and do all the steps they said I have to go and I do it. I go to the IRS office in XXXX, PR too.
First, I report the problem to trans union because in my credit information report they are the Company who are referring the issue to the credit. I do the report # XXXX by telephone on XXXX XXXX XXXX. Trans union said I do n't have any issue on my credit information but I request my credit information anyways and the debt appear on credit information. I call again to trans union and notify the issue twice. I said I have a Letter on a second name XXXX. And I never had a second name, and I never been at Georgia where are the tax information on my credit information. Then I do a second reclamation on XXXX XXXX XXXX at trans union. And they only eliminate the letter XXXX on the second name and send me the credit score again with the same problem. Then I called to the IRS and do the request. They request some papers I download sign and send the information by fax on XXXX XXXX XXXX. Later we call a lot of times by phone, but we decide to get an appointment and go personally there. We went to the appointment in XXXX IRS offices on XXXX XXXX at XXXX. They said sent a letter that is on the way but the letter never land at my hands. Then I go personally to transunion and social securities office in XXXX at XXXX and the person who attend us give us an appointment to XXXX XXXX XXXX, to go there with all the required information. But for me Is too far because I 'm trying to buy a house. On the same day XXXX XXXX XXXX I do a report on the police station too. Today I do another claim on the FTC report # XXXX. Please help me to solve this issue. That debt Is n't mine at the social security they said the person are using my identity from XXXX and I submit evidence to the IRS I have been in XXXX from XXXX to XXXX. I 'm tired from this situation and I will lose the opportunity of buy my house for this problem.
Discover Card had issued credits back due to unauthorized charges and non receipt items. Items include XXXX XXXX # XXXX {$1600.00} XXXX XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX # XXXX {$1900.00} XXXX {$2700.00} XXXX XXXX {$350.00} XXXX {$150.00} XXXX {$3800.00} XXXX {$600.00} XXXX XXXX {$130.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$460.00} XXXX XXXX {$60.00} XXXX {$720.00} XXXX XXXX {$130.00} XXXX XXXX {$240.00} XXXX XXXX {$190.00} XXXX XXXX {$500.00} XXXX XXXX {$400.00} XXXX XXXX {$370.00} XXXX XXXX {$340.00} XXXX XXXX {$230.00} XXXX XXXX {$460.00} XXXX
I am currently under the REPAYE plan, however my loan servicer, Navient, does not send a detailed billing showing the amount of interest that is accruing each month or whether the federal subsidy is being applied appropriately to my account. I have made at least three requests for a detailed billing. Each time they send a listing of payments I have made, a list of my loans, the principal amount, and interest rate. As I am responsible for paying off loans and accruing interest, is n't it my financial right ( I know, it 's a strong term ) to receive a monthly statement showing how they are calculating my interest and that the interest subsidy is being applied?
I have contacted the credit bureaus on several occasions over the duration of approximately 3 months. I have insisted that several inquiries made on my credit report between the dates of XX/XX/XXXX-XX/XX/XXXX were not authorized inquiries. I advised the credit bureau that the only inquiries that were valid during that time frame were from XXXX, otherwise known as XXXX XXXX XXXX XXXX. I demanded removal of said items due to them not being authorized and was informed by the bureau that I would just have to " wait the 25 months '' for them to be automatically removed. After several attempts at disputing the information, I noticed that my disputes were opened on the day of the call, and almost immediately closed before 24 hours had even lapsed. This credit bureau has not truly investigated my dispute, because if they had, they would find that these companies have no authorization from myself to obtain a copy of my credit report. The credit bureau has also stated that there is NOTHING that can be done about lenders falsely obtaining my credit report.

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX
On XXXX/XXXX/XXXX I was treated at XXXX XXXX XXXX XXXX Hospital for XXXX. At the time my husband provided my current insurance and personal information. At the time, I had XXXX insurance, through XXXX XXXX XXXX. Shortly after the services, I received a bill from the Emergency room and ambulance service. I paid all out of pocket expense ( about {$1800.00} ) which I assumed was the complete bill for that date of services. On XXXX XXXX, XXXX ( 14 months later ) I received a bill from XXXX for a collection account in the amount of {$5100.00} for XXXX XXXX XXXX Florida. After researching this, I found out that the hospital did not update my insurance info or personal information, so my bill was not submitted to the correct insurance company. Also I was never called or received any information regarding this bill until XXXX/XXXX/XXXX. Now my insurance co, XXXX, will not pay and the hospital wants me to pay out of pocket {$5100.00} which I do not have or do I feel it is my responsibility since it was caused by their neglect. Especially since the other companies had my correct information and billed me in a timely manner and were paid in full. Now the account has turned over to Mendelson Law Firm, XXXX XXXX, XXXX, TN XXXX. They provided a letter that states this bill was turned over to XXXX on XXXX XXXX, XXXX. As stated above I was not notified until XXXX XXXX, XXXX after I moved to another state. This proves no attempt was made to me for over a year. If I was notified in a timely matter my insurance company would have paid the bill and this would have never happened. Please investigate this lack of billing integrity which has caused this financial burden on me and my family. 

XXXX XXXX XXXX XXXXXXXXXXXX
I purchased a car XXXX 2013. I had never purchased a car that had to be financed until I purchased this one. When I purchased the car I was not explained to completely about the terms, especially when it came down to APR. When I purchased the vehicle the amount I financed was XXXX. I have paid XXXX. My payments are {$580.00} a month. My account pay off as of today is XXXX. So in almost XXXX years my amount has only lowered by XXXX. I will never be able to pay off this amount when they are putting {$400.00} towards interest and only {$180.00} towards principal.
I disputed some items on my Equifax Credit Report, on XXXX/XXXX/15, on XXXX/XXXX/15 I received another copy of the exact credit report that I already have, I feel that this is an attempt to delay the process and nothing is getting done, my disputes are still on my credit report.
On XXXX XXXX, XXXX, I was contacted by an individual claiming to be an investigator, XXXX XXXX, for the XXXX County Sheriff. He informed me that he had a file on me on his desk that was awaiting application for warrant for fraud. He told me that it was a courtesy call allowing me the opportunity to resolve it that day and avoid processing the warrant due to the fact he would not be able to stop it otherwise. He stated that I would be arrested in the morning and arraigned before a judge within 24-48 hours if I did n't have it paid this evening. I told him that I did n't commit and that I wanted to speak with the individual who filed the complaint. At that point, he did a conference call with an individual identified as XXXX XXXX ( XXXX ) XXXX, who was with Risk Management at a company called XXXX XXXX XXXX. During this conversation, it was discussed that I still owed a balance on an old debt with HSBC that had been turned over to his client, XXXX, for collection. I informed them that this account was settled in XXXX and that I had a letter stating it had been paid in full. XXXX XXXX responded by stating that it had only been recorded as a payment by XXXX XXXX and that the account would never have been settled for such a low amount. I was also informed that XXXX XXXX was no longer in business. I then informed him that this was the second time I paid on this and that initially it should have been settled in XXXX when I paid a lot more. I told him that I would provide documentation if necessary to resolve it. At that point, XXXX XXXX spoke up and stated that the account had to be paid up and settled that evening or he would have to exercise the warrant. I felt that I had no other recourse but to pay it and not be incarcerated in order to allow me time to resolve this issue by other means. Since I have never been arrested, I did n't want to take a chance. After I paid on the account, I was told I would receive settlement documents via email and also certified mail with supporting documents. When I received the email documents, I noticed there was a discrepancy with the account number recorded. I informed XXXX XXXX XXXX that this needed to researched and corrected. The following morning I attempted to make contact with the investigator on the case and was surprised to find out that the contact number was actually that of a fax machine belonging to the XXXX County Clerk 's office. I immediately realized that something was wrong and contacted the XXXX County Sheriff 's Office trying to find the investigator. I was told that there is no such investigator by that name employed or affiliated with them. I then contacted the criminal division and filed a formal complaint about someone impersonating a law enforcement officer and appeared to be affiliated with this debt collector.
My account was closed on XXXX XXXX, 2017. Ive never had a NSF withdrawal and have always had funds direct deposited into my account for years. There is no logical reason other then a computer glitch to have my account closed, but no one at Chase was willing to help.
When my new Citi XXXX was opened in 2014 it was opened with electronic statements to be sent to me via email. At the time it was opened I did a balance transfer, the email address Citi had on file was not correct, causing the account to go late and subsequently past due. During this time Citi made no effort to contact me for updated information, even when the first payment was missed there was no attempt to reach out. Upon recognizing that my account had no only fallen past due but also had reported a late payment to my credit report I contacted Citi and make the necessary payments to bring it current, paid the late fee, updated my email address ( see attached email confirmation ), and setup auto payment to assure that this would not happen again. When I spoke to the associate and inquired about removing the mark from my credit report, I was advised that I would need to request that in writing and the associate was not able to assist. I then contacted Citi via their website using the " Contact Us '' option and requested, I received a response telling me I needed to call in for that which was in contrast to what I was told before. I called some time later and was told that they could not remove the mark because it was too old, this is why I am now reaching out to the CFPB, I feel that Citi failed to provide me with a timely statement, failed to contact me once they realized that the email address they had on file, and failed to correct the problem once I called by passing the buck instead of owning the problem.
XXXX XXXX determined a loan that they had for me was fraud. Instead of removing it they charged it off told me that i was not responsible however XXXX XXXX picked it up added money to it and is harrassing me claiming to sue me. It is not my debt i am not responsible and it needs to be removed now.
This account should be deleted as I never received a bill for services at my home address ( where I have lived for the past 9 years ) from XXXX XXXX XXXX, instead I received a letter from SCA Collections months after service was rendered, demanding payment, it was reported to collections before I even had a chance to pay. For {$68.00} and to salvage a negative entry on my credit file I would absolutely have paid this small bill but instead my score has now dropped due to this and the bank refused me a mortgage loan in part due to this. I contacted SCA and asked if I paid the amount would they report as paid and request it be removed but they have never replied back, after XXXX attempts. I am requesting this to be completely and permanently deleted and reported to Equifax to remove as well. I 've disputed with XXXX but all they have done is verify with SCA that the information is verified, this is incorrect and an injustice done to me.
I have a credit card ( XXXX ) issued by Boeing Employees Credit Union ( BECU ). I am a senior citizen, aged XXXX, and was victim of computer fraud. 

Immediately after I paid for these bogus services on XXXX XX/XX/2018 with my BECU XXXX card, I spoke with my son who advised me this was fraud and to go straight to the credit union to freeze all accounts and cancel all charges and ask for new XXXX. I did this immediately. 

I paid for bogus services with my BECU XXXX card and asked BECU to deny and/or reverse the charges. BECU has declined to reverse the charges. 

There was no pending charge for my old XXXX card when I/they cancelled my old BECU XXXX card. BECU opened a new BECU XXXX card, and the {$2700.00} showed up as a charge on my new XXXX after a few days. BECU should have denied that {$2700.00} charge as they were informed it was fraudulent 3 days before this fraudulent charge showed up on my new BECU XXXX card. BECU has denied my claim as I paid for bogus services " willingly ''. I disagree, I thought I was purchasing a service. 

When I use my XXXX card, I trust that any fraudulent charges will limit my responsibility, especially when I advise the bank within hours of this fraud. I am asking for your assistance in getting the {$2700.00} charge reversed on my BECU XXXX. 

There is an active police investigation that has all the specific information about this fraud, please contact XXXX County Sheriffs Department, Case # XXXX. Their telephone : ( XXXX ) XXXX. 

I gave this Police Case information to BECU fraud investigators but they told me they will not contact the Sheriffs Dept to get details on this crime. I believe BECU is also taking advantage of a senior citizen with their " rapid-fire '' telephone questioning of the particulars of this fraud case instead of written communications. It is confusing for most seniors to talk with BECU investigators on the phone, much easier to understand written words and then I could think about them and reply. The investigators use terms I am unfamiliar with. 

Please advise if you can assist in reversing the charge on my BECU XXXX which was taken from me by fraudulent means.
Windham and Associates is the collection agency for my federal student loans which are currently being paid but in default. The company offers me no other alternative but to pay the balance in full to bring the loans out of debt. Is there no other solution to this issue? I am a XXXX, at one time the payments were made on time until I was laid off from XXXX for one year. Now, I can not purchase anything and feel trapped all because I wanted an education??
We refinanced our home in XXXX. We were taken advantage of by predatory lending.We did not receive a Good Faith Estimate. Banking and Finance in Georgia informed me that the mortgage lender did not have a license to do business in Georgia at the time of our closing. The mortgage lender license expired XXXX XXXX, 2008.