WillisBack/dataset-financial-user-claim huggingface dataset:
Received mortgage modification packet from Rushmore Loan Management Services XXXX/XXXX/XXXX due to possible foreclosure. Returned packet XXXX/XXXX/XXXX. Was told at that time all proceedings would stop until further notice. Received a denial letter on the modification XXXX/XXXX/XXXX but to contact them for options. Contacted Rushmore XXXX/XXXX/XXXX to discuss options. Contacted a relator XXXX/XXXX/XXXX to place property up for sale. Recieved first payoff from XXXX dated XXXX/XXXX/XXXX good until XXXX/XXXX/XXXX or a daily per diem, house officially listed XXXX/XXXX/XXXX, received offer XXXX/XXXX/XXXX. Contacted Rushmore XXXX/XXXX/XXXX that property was sold. Was told at that time to stay in touch every 10 days on process and not to worry about anything. Closing was to be approx. XXXX XXXX or XXXX. Contacted Rushmore again, received second payoff dated XXXX XXXX, XXXX good through XXXX XXXX. Loan signed XXXX XXXX, XXXX, funds disbursed XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Rushmore contacted my relator my email that amount sent was incorrect and to send more money. XXXX/XXXX/XXXX, I contacted Rushmore and at that time they stated the payoff statement sent was not correct, was n't caught by them nor the title company. Explained funds received had been disbursed, was told to bad, gave me an amount needed to be wired. Rushmore stated they would send the wire back and cancel the sale. Also on XXXX/XXXX/XXXX Rushmore contact XXXX XXXX wanted more funds, gave them a different amount to be wired. I tried to negotiate an amount with Rushmore stating the funds received had been used and Rushmore could n't of cared less, they stated to me I was the victim but they were not willing to negotiate for any amount. Emails began between Rushmore and XXXX, XXXX/XXXX/XXXX with different amounts being requested each time. At this point Rushmore was not returning any calls nor willing to take responsibility for there error. They then added additional costs that were not represented on any payoff statements. Forced placed insurance for {$500.00} which the property had insurance on it and they had copy on file and a foreclosure fee {$420.00} to which was never disclosed. XXXX sent an additional {$8800.00} to Rushmore XXXX/XXXX/XXXX by wire, then asking for confirmation of loan closed and lien released and to date have not received such confirmation. As for the force place insurance, contacted that department XXXX/XXXX/XXXX, was told error made, would refund {$500.00} directly to me and would call me with confirmation. Again nothing, call Rushmore XXXX/XXXX/XXXX was told refund sent to the loan which at this time was told : oh, sorry loan closed, we will send it to you in the mail in about a week. I now owe XXXX money due to Rushmore 's errors and bait and switch of amounts to be paid. I 've lost wages at my employment. 
I do n't have the funds to pay the title company as I had other obligations that were paid from proceeds. At this point, I know Rushmore needs to accept responsibility and refund myself or the title company or both.
I contacting Midwest Collection. They said I owe {$670.00} ... I asked them to produce original paperwork from this debt. The bill collector said he was working on paperwork. He said it was a payday loan for $ XXXX from 2012. He has reported it to the credit bureau but I never received information who the original debtor..Now he says If I pay Immediately {$250.00} .it will settle the debt. My suspension is that this bill was sold off several times and no one has the original paperwork. I thought it was my right under Fair Debt Reporting Act that I am entitled to see this. Can you please help?
I went into Ace Cash Express on XXXX XXXX in XXXX on Saturday to obtain a payday loan, as I sometimes do when my child support is late. 
The rep there, XXXX, asked me how much I wanted to borrow. I told her that it all depended on when the loan would be due, as I get paid from my job on Thursday ( if a loan is paid during a certain period of time, no interest would be required ). She told me that - if I paid the loan by Thursday, I would n't have to pay any interest. I then told her, in that case, I would borrow {$200.00}. XXXX proceeded to complete the paperwork for the loan. 
After I was approved for the {$200.00} and I signed all of the loan documents, XXXX then said to me, " Oh, you 'll have to pay it back by Wednesday, not Thursday ''. I asked her how much I would have to pay in interest and she stated {$47.00}. I told her ( since the initial information she gave me was WRONG ), that I then only wanted to borrow {$100.00} ( because I certainly do n't want to pay {$47.00} for such a short period of time ). She then snapped, " Now I 'm gon na have to do all this paperwork all over again! '' I told her, " Well, YOU gave me the wrong information about WHEN it would be due! '' She then said, " Well, I thought you would already KNOW since you come in all the time! '' So, because I come in all of the time gives XXXX an excuse to assume that the consumer should know more than SHE SHOULD?? 
So, after XXXX huffed and puffed and proceeded to process the {$100.00} loan, she said to me, " You were denied for the {$100.00} ''. I said, " What do you mean that I was 'denied ' when I was JUST approved for a {$200.00} loan? '' She said, " The computer denied you for the new amount ''. This was all due to XXXX 's error and her need to cancel the first ( approved, {$200.00} XXXX request. So, I had no choice but to leave with no loan - all because XXXX ca n't do her job correctly. She provided the wrong information, then appeared to be totally CLUELESS when the 'computer ' denied it.
I am writing because my earlier report XXXX was answered by Sears Matercard account which is issued by Citibank , N.A . It was about lowering my credit limit and and PULLING MY CREDIT REPORT WITHOUT MY PERMISSION ; ONLY. The person responding to my complaint is XXXX XXXX, Executive Response Unit of Citibank, N.A.. ( XXXX ) Today, XXXX/XXXX/2016 and spoke to XXXX ( Employee number XXXX ) I asked XXXX XXXX put in my notes on my account " TO NOT MAIL ME OUT NO MORE CREDIT CARD ''. XXXX replied to me by said '' I CAN NOT do that because the system will mail out credit card anytime ; even for reasons if the Rewards system changes it will mail another credit card out ''. I insisted she makes sure I DO NOT get another credit card. XXXX keep repeating she CAN NOT do that. I feel Citibank , N.A . employees are doing FRAUD against my account.
I am the victim of identity theft. Several years ago I banked with XXXX XXXX. XXXX had a massive data breach which resulted in my full name, driver 's license, social security number and birthday being sent to over XXXX people. Several accounts were opened in my name as a result. One of them was a residential lease that I was not part of and then cable service at this address I never lived at. During the time this lease was executed I did not even live in the state let alone the city. I have provided all credit reporting agencies and this company with proof yet this company continues to report this false information. I am attaching a proof of identity theft from XXXX XXXX which includes a phone number any creditor may call to validate my claim.
My mom and I got furniture for her apartment last year and she was paying the bill until she lost her job XX/XX/2017 which left all her medical expenses on me since she was declared disabled by her physician. ... .I informed them that payments would be hard for me to make I have tried doing partial payments and post dated check even put myself in overdraft to pay them but they have been very harassing won't take the payments I have tried to make and have been showing up to my house threatening me and my mom about the furniture they have called me 27 times in one day back to back and now that I'm behind on payments they have now put it on my credit report which it wasn't suppose to be they just started reporting this almost 3 months ago but never reported before when the account is almost 2 yrs old I have had a account that was paid in full but was never placed on my credit
Refinanced condo about 5 years ago and they have change banks XXXX times and now with Nationstar. They are trying to force me to go with direct payment by mailing their bill to me late so they can charge me a late fee. I have contacted them by phone about this on XXXX different occasions and received it in a timely manner this month ( XXXX XXXX ) but they failed to remove late fees as agreed. Please try calling them at customer service XXXX and you will understand why I am sick of dealing with Nationstar! My credit rating is over XXXX!
In XX/XX/XXXX, the company XXXX XXXX XXXX XXXX was bought by another company known as XXXX. I owned shares in XXXX XXXX. On or about XX/XX/XXXX, I received a check for the shares I had owned in XXXX totaling {$3200.00} with Wells Fargo Bank, NA as the disbursing agent, check # XXXX, account # XXXX. 

The check was misplaced and subsequently later found in XX/XX/XXXX. On the check was printed " void after 180 days ''. I took the check to the local Wells Fargo bank and explained what happened. I was informed by customer service that they could not cash the check because the check was beyond the valid date. Additionally they alleged that the check needed to be re-issued by the company however, XXXX transferred all funds to Wells Fargo as they were dissolved as a company. Since Wells Fargo is listed as the " disbursing agent '', they hold all funds. Consequently Wells Fargo converted those funds to themselves and still holds said funds. They did not forward the proceeds of the un-transacted check to the State of California as unclaimed funds. At this time it is my allegation they kept the money within their institution and will not take any action to assure I receive my proceeds. 

Wells Fargo, NA through their own admission based on a settlement they entered into, have been guilty off unfair practices regarding consumers. This is a further example of their duplicitous business practices.
They are calling up to 5 times a week, asking me to pay a " debt '', they're never specific. But this has been ongoing to about 6 months or so.
I have been making extra mortgage payment to HSBC Mortgage, they have been splitting the payment and applying it to future months. IE : payment due XXXX, sent XXXX and they take out two months of escrow, and apply bulk of the principle to XXXX 2016, cheating me out of my interest savings.
Bank of America keeps calling saying I have an account with them which I do n't. They asked for an account number,
I receive at least six calls a day from automated number XXXX. Yes I owe the money and yes I told them when I would pay it. this is an automated system and live operators. One call and I let them know I would take care of the bill it is only 2 wks past due - balance is small and will be paid by the end of month. I have asked them to quit calling me all day long and they said it 's in the computer and they ca n't change it. Enough is enough.
My mother and I closed on the home in XXXX XXXX, during this time we were told by the loan officer that the mortgage payment included property taxes and insurance. Our monthly payment was XXXX. Six months later we received a notice to for payment due for the taxes. After corresponding with the realtor and loan officer, we were told that we would not have been financially eligible to afford the additional payments with the loan. We were advised to refinance after residing in the home for a year to receive lower payments. The loan officer asked me to contact her the following XXXX, in which I followed through. I left XXXX voice-mails and never received a return call. My mother and refinanced with another lender as a result. My mother died in XXXX. I was able to continue making payments with the support of family members. In XXXX, I applied for and was granted an Home Loan Modification. I was employed as a XXXX XXXX XXXX from XXXX until XXXX XXXX when my business closed due to lack of enrollments. As of XXXX XXXX, I am gainfully employment, however ; my home is now in foreclosure status. The initial home loan had high interest rate. My mother and I were misguided with the information we received from the involved parties during closing. The refinanced loan also has a high interest rate ; we accepted this loan because we felt we had no other recourse than to move out of the home. Although payments were made up until my unemployment, there remains a large portion due for the first loan. I asking that CFPB would review my loans and find a possible resolution for the balance of these loans.
Transunion impeded Mr. XXXX ability to dispute a negative information and it is the only negative item that was added by Transunion and/or accepted by Transunion despite they knew now the fact that collection was in violation of the FCRA by Transunion and the collection. Transunion blocked Mr. XXXX from disputing that collection as you can see its name on one of the attached files along with the other files that support the immediate deletion of that collection is imminent to comply with the FCRA. Transunion added an unthorized address to Mr. XXXX credit file. Transunion knee that XXXX already deleted that collection that violates the FCRA.When Mr. XXXX found that Transunion blocked him from using the Transunion online dispute process ( Transunion in a recorded call confirmed this information and this is a discrimination with malicious intent to impede a customer to dispute a collection properly and win ) because Transunion knew if they let Mr. XXXX   to use that online dispute process without restrictions he would win and Transunion would had deleted that collection by now. Transunion now is served through this platform the attached files that were already sent to Transunion by they trashed them or ignored them and Transunion to explain why they did that in violation of the FCRA.Transunion must delete that collection immediately and permanently and comply with the law. The attached files reference to a Mr.XXXX   specific Transunion credit report number. Included also the name of the collection. A XXXX XXXX   banks Letter confirming that Mr. XXXX and XXXX XXXX never stopped or blocked or any adverse action toward XXXX from getting paid for any account that Mr. XXXX has with XXXX and knowing that any account that he had with XXXX if any had auto payment from same XXXX XXXX credit account that it is still open and never changed and always had over {$4000.00} available for XXXX   to get paid If they wish to and XXXX should never sent any account that they have for Mr. XXXX to a collection. XXXXXXXX Account statement states clearly do not pay because auto payment is set up for Mr. XXXX Account. Therefore, the collection must be deleted and Transunion must delete that collection or face serious legal consequences.
Companies- XXXX XXXX XXXX XXXX XXXX Account. XXXX. Line of credit for {$5000.00}. Since XX/XX/XXXX. 
XXXX  has not showed any proof of any type of investigation that I was late in the years of :XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. They will not investigate this issue. I have constantly have asked them and the 3 major bureaus to send me proof of documentation stating lates on any accounts I have with them. They will not answer. Please help CFPB
I contacted Transunion on 3 separate occasions via CERTIFIED MAIL, FAX AND MY FINAL ATTEMPT WAS by PHONE. They will not assist me with unknown inquiries on my report. I am requesting they remove these inquiries from my profile ASAP.
My name is XXXX XXXX. I bought a car at XXXX in XX/XX/XXXX. A XXXX XXXX XXXX. XXXX XXXX XXXX 2nd I had it the check engine light came on. Called them and they said take it to the shop. I did. So the shop wants to do a fog test and other things to find the problem. Now when I first called XXXX the guy said sure we will pay for it. Well then two days later I get a call saying they are n't paying for anything. So I said but the guy told me you would. She says well he does n't work for us anymore and she hung up. XXXX. So I have until XX/XX/XXXX to get car inspected. So I drive with the light on. Now comes XX/XX/XXXX and it does n't pass emissions. They told me that there is s hole in the top of the gas tank. So there 's a law in Pennsylvania, that days if you pay XXXX to try to fix the problem and you ca n't then you can get an exemption sticker. Ok I did that and now it 's time again and that say you ca n't do it 2 years in a row. They want XXXX and I 'm not doing that because the car is only worth XXXX and I owe XXXX they keep callinging me three times a day. I 'm not paying. They also said we might be able to help you fix the car. I said you would n't do it two years ago, your not going to do it now. So I 'm going let them take it. Credit is bad and it did n't improve. They made their money on me 10 fold. Please any advice is welcome
The account was paid in full on XX/XX/XXXX however the account status with XXXX is still incorrectly shows charge-off. I have disputed this twice, the most recent updated on XX/XX/XXXX, and only the remarks have been updated to show account paid for less than full balance, paid charge off. I would like for XXXX to delete this misinformation from credit report or update it paid in full.
Money was STOLEN from my account and my dispute was denied. I was told to find and go after the thief myself. Who is now an EX XXXX employee. My card was input manually 9 times total, all separate transactions, in the time span of 2 hours, for a total of {$1100.00} stolen. My card was ran until declined because they withdrew ALL of my funds. Now Direct Express/Comerica refuse to do the lawful thing and their suggestion is to contact the THIEF?
I received a letter from AARGON Collection Agency attempting to collect {$1300.00} for services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No bill or statement was attached to this collection agency 's notification. I have not been in XXXX, XXXX in 25 years and have not used any services by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ever. I did a search on this collection agency online and through the XXXX and there seems to be many other collection complaints about AARGON Collection Agency in XXXX XXXX, XXXX. ( AARGON Collection Agency, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) This debt is not mine.
After Hurricane Irma, because I was in a federal disaster zone in XXXX Florida, I requested from SLS a loan extension, I was given a forbearance, with 3 months to pay two months missed payments. 

My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX statements each have a late fee imposed on me, however, I am not late, as I am in approved forbearance. 

I have called SLS every month requesting an adjustment and it has not be reversed and credited to my account. 

XX/XX/XXXX there is a Fee Billed Accured late Charge of {$120.00} - XXXX Statement XX/XX/XXXX Property Inspection Fee of {$15.00} - XXXX Statement XX/XX/XXXX Accrued Late charge of {$120.00} - XXXX Statement XX/XX/XXXX Accrued Late charge of {$120.00} - XXXX Statement.
I attended a private school called  XXXX  College  XXXX   XXXX   XXXX  in  XXXX   XXXX  for 4 years. I was not able to complete the school because I ran out of funding. I do n't want to make my explanation too long because of the limited space, but I was aware of the seriousness of what was happening. I did n't graduate, and I would have to start paying my loans. I did speak to m y director,  but they told me there was no other option but to leave. The school took longer that what they told me it would take. No student graduated within the time period they said it would take to complete your studies. I moved on, and unfortunately I lost my job at the time. I called  XXXX   XXXX  which was my servicer at the time. I did n't get any sympathy. I actually became homeless. I was n't out on the streets, but I was out couch surfing wherever I could stay. I told them that, and the only way they could do a forbearance is to give them a large sum that I did n't have. I lost everything. I did n't have a storage place so I had to donate any furniture I could not carry around with me. I even lost my pets. It 's a low period in my life.  XXXX   XXXX  did not understand, and they did not offer any solutions. My loans went into default. That was in  XXXX . The servicer is now Navient. I took advantage of a loan consolidation for my Federal loans that went into effect  XXXX   XXXX . I took me three years to even get an apartment because my private loan was in default since  XXXX . I have tried speaking to Navient, and the lowest they can take is {$200.00} a month. I ca n't afford even that amount right now. They tell me that it barely makes a dent, but it will at least show some effort on my part. The problem is that I do n't trust them, and this stems from the interactions I 've had with them over the years. I feel they should never have let my private loans go into default because I was homeless. Now they want lump sums that are way to high for me to pay I am called by different collection companies. I have spoken to about  XXXX  or  XXXX . I 've lost track.  XXXX   XXXX  is suing me for these loans, and different collection agencies call me still. I called Navient directly, and the always give me different amounts. I ask about the lawsuit, and some of reps say that I owe {$64000.00}, and that it is interest inflation.There other reps that say it is {$36000.00}. From my knowledge I owed {$12000.00} and if they are correct it has gone up to {$64000.00}. I am confused as to how much I owe, and to whom. The collection agency or navient. I asked navient to send me a break down of ledgers to me. I asked a supervisor, and she said she would email me the info. I have n't received anything. I stopped taking their calls and I am hoping that the court will mediate. I want clarity as to what I do owe, and do not want to be ripped off. it 's scare me that I am going to be like this for the rest of my life. I thought by going to school I was making the right choice. I feel that it was a serious mistake.
I reviewed a copy of my credit report on XX/XX/XXXX and found multiple hard inquiries that are invalid and not mine ( fraudulent ). After calling TransUnion and asking to have them removed, I was transferred to multiple representatives and ultimately told to contact each creditor individually. After doing so, I was told that TransUnion must be the one to delete such errors. These inquiries were added to my credit report without them being able to validate that they were in fact mine. I explained to them multiple times that I did not authorize these inquiries but they refuse to help me. I also asked a supervisor from TransUnion to send me proof of these inquiries being made by me and he was unable to provide any such proof. I would like the following inquiries removed from my report as they are violations of the FCRA. XXXX XXXX XXXX:XX/XX/XXXXXXXX:XX/XX/XXXX XXXX XXXX XX/XX/2017 XXXXXXXX plcc:XX/XX/XXXX XXXX XXXX XXXX XXXX  via XXXX:XX/XX/XXXX
I opened a Total Checking Account on XX/XX/XXXX in branch. The deposit agreement I was provided gave me the right to opt out of the mandatory arbitration clause within 60 days of account opening. This agreement stated that I could opt out either with a personal bank or by calling the standard XXXX number to reach Chase.

I asked the personal banker at the time of account opening if I could opt out, referencing the relevant clause. The personal banker indicated that she did not know how to opt customers out of arbitration and had never heard of it. She wrote down the number provided in the agreement on a stick note and encouraged me to call them to ask to be opted out.

I asked Chase to opt out of the mandatory arbitration agreement in a secure message on XX/XX/XXXX. I received a response on XX/XX/XXXX stating that my request had been forwarded to research and that I would receive a response in 5 business days. I have not received a response.

I recently called the number provided in the deposit agreement and asked to opt out of mandatory arbitration. The first-level customer service representative escalated me to a supervisor, who said she'd never heard of this and would refer the matter to research.

I have not received any response.