WillisBack/dataset-financial-user-claim huggingface dataset:
ARE YOU KIDDING ME???? 

Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Mortgage Issue : Struggling to pay mortgage Did I not explain clearly enough???? RUSHMORE IS CLAIMING THEY WANT $ XXXX OR SOME SUCH AMOUNT FOR THEIR INVESTOR BUT THE AMOUNT IS WAY MORE THAN THE APPRAISED VALUE OF THE HOUSE. THEY WILL NEVER EVER EVER EVER EVER EVER EVER GET THAT VALUE AS THE HOME IS DAMAGED. IS THIS CLEAR NOW? 

I do not care that Rushmore answered they only strengthened my complaint and you CLOSED the complaint????????????????? Excuse me???? They basically confirmed what I said, that THEY ARE NOT ACTING IN GOOD FAITH TO EXECUTE A VALID SHORT SALE FOR THE APPRAISED VALUE, BUT INSTEAD ARE DEMANDING A VALUE THAT IS NOT SUPPORTED BY FACT, OFFICIAL APPRAISALS AND CONTRACTORS ESTIMATES. 

They are going to foreclose on my house because they are behaving irrationally and rejecting solid, verified purchase offers for the official appraised price, basically covering their ears and saying " no no no no no I can't hear you '' when we say the offer is for the appraised value. There is damage to the house that XXXX was scummy enough to wriggle out of paying even though they admitted to the court that it was not our the owners fault. They are just garbage like Rushmore, acting against the consumer -- AND YOU SUPPORT THIS??? YOUR SOLE GOAL IS TO GET THEM TO JUST ANSWER????????????? WHAT THE XXXX VALUE IS THAT??????????? THEY COULD JUST SAY THEY WANT A XXXX FOR THE HOUSE. WHY NOT? WHAT EXACTLY THE XXXX DO YOU DO TO DEAL WITH A LENDER THAT IS NOT WORKING IN GOOD FAITH WITH A CUSTOMER AND IS PRETENDING A HOUSE WILL BRING IN A VALUE THAT IS PROVED IT WONT ( SEE PREVIOUS SHERIFF SALE THAT WAS OVERTURNED )??????? YOUR NAME SAYS CONSUMER PROTECTION. WHAT THE XXXX ARE YOU DOING?
My client applied for a loan with Amerisave Loan and was given the run around. The underwriter required a {$10.00} Reserve for a $ XXXX Loan and when I questioned the amount the Loan Originator could not provide an answer. They have asked for her personal bank login information to verify funds that she submitted several copies direct and then he stated that there printer made the error. The contract expires on XX/XX/XXXX and we are NO were near a loan approval based on the incompetency of this lending team. There appears to be a pattern of discrimination from this company! They want information that NO OTHER LENDER wants, and ask for information repeated that could be verified by the bank. The representative even stated documentation was altered and then said their printer was not working properly!
Debt collector indicates that the account in question was paid timely until the debt was purchased from the original creditor by the collector Which is not the case. According to the fair credit act the debt may only be reported for 7 years after the 1st delinquency which would 've occurred prior to the purchase. If the collector can not prove otherwise then the item should be removed from the credit file.
I mailed in a dispute to Equifax stating that my chapter XXXX bankruptcy was filed 7 years ago and I am requesting it be removed off of my credit report- I got a response with updated information but it is still on my credit reports- Both XXXX and XXXX have removed this from my reports.I understand Chapter XXXX Bankruptcy is removed after 7 years- I would invoke my rights and like it removed.
I have been a customer with Capital One since XX/XX/XXXX. I currently have a {$2000.00} credit limit. I have always paid on time and 9 times last year I paid between $ XXXX on my bill. I have applied 2 times for a credit line increase, most recently in XX/XX/XXXX. The credit increase was declined stating that my average monthly payment has been too low. Last year I made a total of {$2700.00} in payments which averages out to approximately {$220.00} per month.I recently obtained my credit score from XXXX and it shows that I have a credit score of between XXXX ( XXXX ) and XXXX ( XXXX ). 
Based on my payment history and credit score I feel that I have been unfairly denied credit on the basis of my race or age.
On  XXXX   XXXX  I began a payment plan for my   XXXX   XXXX  /Navient student loan. After few months of paying, I got laid and become unemployed for several months, until  XXXX   XXXX  through  XXXX   XXXX .     I paid as I could.     On  XXXX , after a family loss, I talked to  XXXX  who has my account about it. I wanted to pay {$50.00} on  XXXX   XXXX  but did n't find the money. I tried to reach them but as always, and as I told to  XXXX , is impossible to reach them.     Yesterday,  XXXX   XXXX  -   XXXX   XXXX   called to my mom house and gave her information without my consent. My mom told me that the person who called told her she was authorized when she was n't.     First, I just allowed my mom ONCE to use her bank account. I never said she was authorized to get my information. How do I know? Because lots, and lots of times I said I do not want them to call me to my mom 's house. They did n't do it for a while and then yesterday happened.     I believed all this is recorded.     The arti cle 805. Com munication in connection with debt collection of the Fair Debt Collection Practices Act in section b says Communication with third parties Except as provided in section  16  92b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not co mmunicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Good Morning to whom it may concern I am submitting an Complaint that I have with Transunion and XXXX   regarding XXXX XXXX account balance {$2300.00} this company is trying to collect a debt that I have disputed time and time again with them and the bureaus, along with the original furnisher of debt XXXX XXXX. However it always came back as verified with XXXX saying they would no longer investigate since there is no additional info. I then sent debt validation letters to XXXX XXXX and XXXX XXXX and all that was sent was an account summaries. This is not a accurate or acceptable means of justiying debt per the Fair Credit Reporting act. And with them not providing any instruments of indebtedness, ie original forms of signature, electronic signature or voice recordings. They have to delete. Please hold them accountable and have them delete this off of my credit profile thank you
XXXX sold my account to XXXX XXXX in XXXX at that time the balance was {$15000.00}. We were negiotaing a the loan be re written as a home equity loan. Coincidence or not that decided to not return our phone call when the market crashed in XXXX. We short sold our home XXXX XXXX. XXXX HAS BEEN HARASSING US FOR 6 YEARS NOW. The most recent amount they claim we owe is {$54000.00}!? They continue to report this every year. Is this legal? It will be XXXX years XXXX XXXX. They claim they will keep reporting this until the debt is paid in full. Please assist me on how we can assure this happens. We already lost our home and now have to rent until this gets removed. We are not even being considered due to their reporting.
On XX/XX/XXXX, I sent Equifax Credit Bureau a handwritten letter to dispute two bankruptcies shown on my credit Case # XXXX and Case # XXXX. I sent this letter certified ( USPS Tracking # XXXX ) which it was received on XX/XX/XXXX. In this letter I requested Equifax to submit verifiable proof since these are unverified bankruptcies. Equifax sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, the information is reported correctly and currently reporting as discharge. On XX/XX/XXXX, I mailed Equifax another letter ( copy is attached ), stating they did not provide me with a copy of any viable evidence. Equifax has failed to provide me with the information I have requested. This is a violation of the Fair Credit Reporting Act. I have verified and received correspondence from both bankruptcy courts and XXXX, that they do not verify information with the credit bureaus.
A second mortgage was taken by myself and wif e  XX/XX/XXXX . we ma de payments until  XX/XX/XXXX , when I lost my job and we separated. the house was foreclosed and the second mortgage was discharged XX/XX/XXXX .The loan was originally  XXXX  dollars. My wife had her share, {$9000.00} reduced to {$7000.00}. On XX/XX/XXXX  a court ordered judgment of {$11000.00} on me to {$20.00} a week. The  XXXX  they reduced my wife they added to me. They garnished {$1000.00} for 17 years totaling {$17000.00}. That {$8600.00} interest on a dischared loan.
I was enrolled at XXXX XXXX college in 2011 for XXXX. I took out a private loan with genesis and want to know if my loan was covered by the settlement that was reached that would force genesis to repay the loans?
Account XXXX My father leased a XXXX XXXX 2014 from Chase Auto Finance. I have received at least XXXX collection calls started off explaining they were calling with the intent to collect a debt. I explained to them more than once that I am not my father, and they do not have the right to attempt to collect from me. They have called multiple times.. 

In addition to attempting to collect from ME, they are also refusing to validate the debt to my father. My father has requested countless time to see proof of an extra {$3600.00} in repairs that Chase Auto Finance is claiming they paid. Chase is refusing to send proof that they paid this price for the repair. The damages to the vehicle were nowhere near {$3600.00}. My father has requested a copy of the invoices paid by Chase adding up to {$3600.00}. They have repeatedly told my father they have no obligation to validate the debt properly, and instead, are deciding to send a bill issued by Chase in response to all attempts to have proof of repair costs delivered. No proof of {$3600.00} in damages have been shown. 

My father has requested a written letter with a due date on it, showing when the payments are due by. Chase Auto Finance told my father " XX/XX/XXXX '' " XX/XX/XXXX '' and " XX/XX/XXXX '' all on the same day. Nobody at Chase is being held accountable. We are attempting to work WITH chase to come to a fair resolution. I believe Chase has falsified the damage report and associated costs, and they're intimidating us by refusing to give us a date to pay by or allow us to make payment arrangements. 

I plan to sue Chase Auto Finance on behalf of my father in the event that proof of damages are not shown, or the excessive damages reduced by XXXX {$800.00}. Chase is engaging in unfair debt collection practices.
I am receiving calls from a company called Santander Consumer USA/Drive Financial XXXX XXXX ) who keeps contacting me regarding a XXXX XXXX. I informed the representative that I have no idea who that is. I also informed the rep. to discontinue calling my phone number, but they still contact me regardless.
I have many loans from private and government and I was very young when I started with this school loans. after a few years companies sell my loans to different lenders and the interest goes high. I never had a complete understanding of the type of interest I would pay down the road. To make things worst I started a degree on a university and left school for few years and when I came back to finished the degree was no longer available so had to get a XXXX degree unless I wanted to pay more towards a new degree. I do not have a steady career and i am currently jobless with a XXXX XXXX dollar debt.
My name is XXXX XXXX. I am a customer with two credit cards with Chase. I opened a case with the CFPB back in XXXX with case # : XXXX since then my issue has not been resolved. Recently chase has been contacting me in regards to my complaint for account ending in XXXX this case is related for fraud related purchase. When I first submitted my complaint I explained to them over and over again that the charges that were done on my account in the amount of {$8300.00} were not done by me and I received no benefit from the purchases. After submitting my complaint it was investigated and I receive a response regarding the case and i received an official statement of my account. On the statement it states that I received a credit back for the amount of {$5500.00} but still have a remaining balance of {$3100.00} with a payment due date on XX/XX/2018. I called back on XX/XX/XXXX18 and the representative that took my call stated that I had a remaining balance of {$3100.00} i stated how can that be if in my original complaint i disputed for the amount of {$8300.00}. He looked over the account with the remaining purchases and said that it's weird that those purchases went added to case and went ahead and added the remaining purchases to the case and stated that all the remaining purchases will be removed from the account and will be reflected on the account within 4 business days. They were all removed and I left the situation as it is. Almost a month has passed by and I recieved no resolution letter regarding that case. I decided to check online when I checked to see what is going on it says that instead of owing the original amount of {$8300.00} I now owe almost {$12.00} XXXX. On XX/XX/XXXX2018 I called back the fraud department to ask what is going on and the representative stated that after the review they claimed that I received benefit from the purchases and that is why I see that balance now. I stated again to the representative that how could that be if I keep telling them over and over again that all the purchases made on the account were all fraudulent and I received no benefit from the purchases that were done on my account.She advised me that they will re-evaluate my account and contact me if there are any questions. If a company sends you a official statement saying that you just owe {$3100.00} and then later reverses the decision then why send me a official statement in the first place instead of honoring their word? Because of this I am reopening my complaint against chase and hoping there is some positive resolution regarding the fraudulent transactions done on my account. Why should I be held responsible for the transaction that were not authorized by me and I received no benefit from them? Attached to this complaint is the statement saying that i just owe {$3100.00} and as well a screenshot of my most recent outstanding balance of {$12000.00}
Collection agency Portfolio Recovery repeatedly calls in regards to a debt that is not mine, calling XXXX times a day. The person they 're looking for has the same first and last name as mine but different social security number, etc. I have told them repeatedly that they have the wrong person, to stop calling and they continue to call anyway. 

They call from these numbers:XXXX
The car was purchased by my son on XX/XX/XXXX from Regional Acceptance company. I was used in the loan for my income for a year. My son was murdered on XX/XX/XXXX in the car. I contacted them to luck the car up after he was murdered and was told that I had to wait until the payment became late to have car picked up by them. I received a letter stating that the car was sold at an auction for a smaller amount. My concern is that I was supposed to only be on the auto loan for a year and they are still reporting this {$11000.00} debt under my name. This is unethical and unjust. I also sent them a copy of my sons death certificate to add to the file. Im not responsible for this debt and these reports are hurting me tremendously.
I have made calls after calls and can not find anyone to help me. I had a mortgage with US bank and in 2010 my house was foreclosed on. US bank was supposed to be helping me refinance my home. I do not know who to contact for the US Bank Independent Foreclosure payment. I was told I would have another check coming and I have not. I just would like to know how much the check is and when I will receive it No one seams to know how to help me. Can anyone look me up by my SSN and find out any kind of information for the payment?. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Arkansas XXXX
I just need help gettin it off my credit scores they got the car back an it sold at Auction for XXXX an she got the car for XXXX an pay XXXX on it an now they send me a letter sayin I owe XXXX from BBVA compass
I have transferred money from my XXXX account to my Discover checking account on three different occasions. None of the transfers have shown up in my Discover checking account. The dates and amounts are as follows : XX/XX/XXXX {$240.00}, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. I have talked to XXXX and they tell me the transfers are successful on their end. XXXX has provided tracer numbers on two of the transactions which I will attach in the complaint. Discover says they have not received the deposits from XXXX and are having trouble verifying the tracer numbers provided by XXXX. XXXX has verified my Discover checking account number and routing number. I don't know what else to do. XXXX says the transfers are successful and they show them deposited to my Discover checking account. Discover says they do not see the deposits. Please help me locate my money.
On XXXX, I initiated a dispute with Experian via Certified Mail with Signature Confirmation, concerning several items that are being reported inaccurately as a result of Identity Theft. Experian is aware of this issue as I had a fraud alert that was placed on my account by the XXXX credit bureaus a few months ago after I discovered that my identity had been comprimised. I sent over a police report with details of the incident leading to the identity theft, which led to an extended fraud alert being added to all of my credit bureau reports. I have since had the alerts removed voluntarily since I have signed up for credit monitoring and am now actively monitoring my reports. XX/XX/XXXX, Experian sent me a generic form letter that did not address my request for an reinvestigation into the inaccurate accounts being reported or the manner in which they were verified, or any other information that I am entitled to under the FCRA laws.
I have disputed with all 3 CRA 's and have sent them 3 dispute letters asking them to send me the information and and documentation that they have or used in there file that they used to verify and account on my CR account being XXXX XXXX XXXX ( which is not my account ). As I 've stated I 've sent 3 dispute letters asking all three bureaus experian, XXXX, and XXXX asking for these docs and if they ca n't not show forth the documents on how they verified this account that they must remove this account off of my CR as it is causing me to look very negligence with my credit. I have still yet to receive any supporting documentation form any of the 3 bureaus with this 3 letters that I have sent I just continue to receive verified or updated. This is in violation of my rights under the FCRA and I 'm filling this complaint in hopes of this being removed from my credit report being that I have continued effortlessly to pursue removal form my credit report within my rights under the FCRA as a consumer and I still have not gotten a valid response nor any documentation and I 'm hoping for that by me filing a complaint with the CFPB that a resolution of removal of this account can be granted due to the fact that I 've sent 3 letters without any resolution. Thank you in advance
Purchased a truck from XXXX XXXX in XXXX NC on XXXX. I awaited payoff of another car for 3 weeks, and continued to make payments to that vehicle so not to damage my credit. Only after many contact attempts I spoke to the fiance manager whom had the payoff sent. I waited for the registration for the transfer of tags for almost a month, and made another series of calls till i was able to speak to the manager again, on that day according to the registration they completed the paperwork to transfer the plate. It has also come to my attention that the title work was either done wrong, or not at all. This is a clear violation of XXXX. Perfection by indication of security interest on certificate of title.
I have provided the Credit Reporting Companies with the proper documentation to remove items from my XXXX, TransUnion and XXXX  XXXX Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX XXXX. I have requested validation of this account. The have continued to provide me with copies of statements and will not provide me with anything being my signature to validate the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
This is regarding case # XXXX at Coinbase ... they opened the case in XX/XX/XXXX but have never resolved it. Now I can not get to {$1100.00} that is in my Coinbase/XXXX account and they continue to create unauthorized charges to my account. 
XXXX On XX/XX/XXXX, Coinbase double charged the 4 most recent ( at that time ) transactions to my XXXX debit card in the USD amounts of {$220.00} ( original was XX/XX/XXXX ) {$100.00} ( original was XX/XX/XXXX ) {$100.00} ( original was XX/XX/XXXX ) and {$150.00} ( original was XX/XX/XXXX ). 

I called Coinbase immediately and they opened a case ( XXXX ). I sent screen shots of the duplicate transactions at their request. After several phone calls with Coinbase 's tier 1 support, I was finally told that this was XXXX XXXX fault and that I would have to work this out with my bank. My bank told me I needed to submit an unauthorized transaction form. I did that and my bank redeposited the funds to my account at the end of XX/XX/XXXX. 

I left my Coinbase account open thinking the issue had been resolved but removed my XXXX and XXXX XXXX debit cards and left my bank account attached to my Coinbase/XXXX accounts because Coinbase said there was no issue with bank accounts, only XXXX. ( XXXX is a trading site that is run by Coinbase. One account allows use of both sites. ) I never received notification from Coinbase that case XXXX had been resolved on their end or even looked at beyond tier 1 support. Their tier 1 support is unable to do anything other than answer phones and escalate cases. They had assured me that my case was escalated and would be handled by a specialist. I never heard from a specialist.

However, on XX/XX/XXXX, I received 4 emails from Coinbase, one for each of the double transaction charges. Because the charges were reversed, they locked my XXXX  account which has USD XXXX LTC XXXX ETH XXXX BTC XXXX ( total USD {$1100.00} ). 

Additionally, on XX/XX/XXXX, they withdrew 3 new charges in the amounts of {$230.00} {$100.00} {$150.00} These were not duplicate transactions. These amounts do not match anything in my Coinbase/XXXX history. They are random amounts and I have no idea where they came from. 

I called Coinbase about these transactions and submitted a screen shot of them as well as an email detailing all the history from XXXX, with screen shots and copies of their own emails. I submitted another unauthorized transaction form and my bank redeposited the amounts in my account. 

However, the Coinbase website indicated that I needed to pay {$100.00} to regain access to my XXXX account. I did that on XX/XX/XXXX, but still do not have access to that account where they are holding funds in the previously mentioned amount of {$1100.00}. 

I have called repeatedly and have filed complaints on Coinbase 's XXXX. It has been 51 days and there is no movement at all on the first complaint and now I have file new complaints which are getting no attention at all from them.
Nationstar Mortgage has kept my excess escrow from 2015. They still are charging my account an escrow fee even though I 've paid the taxes and insurance directly.