WillisBack/dataset-financial-user-claim huggingface dataset:
I use Rushcard and they informed users that they would be doing maintenance on Monday, XXXX. That was fine since it was a bank XXXX anyway. I sent money to my account from XXXX on Friday. With Monday being a bank XXXX, I did n't expect the money until Tuesday. Tuesday has come and gone and still no money. My direct deposit was also due in my account on Wednesday, XXXX, and it also has not been deposited. Rushcard has acknowledged that they are having issues, but are n't keeping users informed on the status of our money. If you look at their XXXX ( XXXXRushCard ), this is the same problem everyone is having. It 's as if our money has just disappeared and we are not getting an adequate explanation of when we can expect to have it back. Money that was available in our accounts before the system update is also now gone with our accounts giving us a {$0.00} balance. We all have bills to pay and no timeframe we can give our creditors. It 's frustrating and financially devastating for a lot of people. I understood their issues on Monday since they warned us, but this is the XXXX day and no one at the company is helping other than releasing updates that are obviously not true. Some of their XXXX numbers have been disconnected, customer service is hanging up on people, and other people are waiting hours to speak with someone. It 's unprofessional and as a financial institute, they need to be held accountable.
After many repeated attempts I can not get them to release a tax payment of {$610.00} that is due to the XXXX County Tax Claim Office.
1. For the second time, after submitting documentation certifying continuing public service, I have been credited with far fewer months of qualifying service than is correct. I have been a XXXX XXXX   continuously since XX/XX/2013. I have been paying my loans with XXXX and then with fedloan servicing since just after that day. I have made as many as 53 payments to all applicable loans. I have made, because of an unwanted forbearance, as few as 49-50 payment, but no less than that. Despite qualifying employment dates being correct, I have inexplicably been credited with 11 qualifying payments for one loan and 12 for another loan. Of course, I make a lump sum payment every month so the number of qualifying payments must be equal ( and much, much greater ). 

2. Once again, I have been entered into a Forbearance against my will. I have inexplicably been entered into a " Disaster Forbearance '' after having neither requested one nor experienced any sort of Disaster.
I obtained a mortgage from Flagstar 3 years ago. We were initially told our PMI would be waived after 2 years, we are now in the final stages of the PMI waiver process. Our account has met all of the requirements, we just needed confirmation with a BPO that our home value has not decreased in the past 3 years. 

We had a BPO conducted in XX/XX/2017 and that BPO was facilitated by XXXX using a local broker that specializes in foreclosures. My concern about using brokers that specialize in foreclosures is that this will likely result in a lower assessment of a home, since they are basing their assessment on an home that has not been cared for and are in financial crisis. When our BPO came back, they had indicated that the value of our home had decreased by $ XXXX in 3 years. Considering that we had recently completed a remodel of over $ 100k and live in an area that was a hot real estate market, I was pretty confused. When I reviewed the BPO data, it was clear that they had based their assessment on false data. They compared our home to homes with few bedrooms, bathrooms, garage spaces, square footage, etc ... After bringing this to Flagstars attention, the broker updated the BPO and was still showing a decrease in value of $ XXXX. 

We provided properties that were an exact match to ours that were selling for well over what our original appraisal was. Over the last 7 months, I have made numerous phone calls, sent multiple letters and still have no resolution as to why the 3 properties I provided are not being used for the BPO. The only response I have been given is that the properties had been remodeled. 

Flagstar has access to all of the data. Pictures of our remodel. A written description from the Broker that completed the BPO indicated that we had our home remodeled with VERY EXPENSIVE upgrades. Flagstar also has the data referencing the amount of money we spent on our remodel since we used them for our loan. They also have our property tax information from the last 3 years showing our escrow continues to increase to pay our increasing property taxes because the home value continues to increase each year. Yet, Flagstar, XXXX and XXXX XXXX are unwilling to revise the BPO or provide any explanation as to why our home would not be comparable to the properties provided. Flagstar also appears unwilling to review and leverage all the data points they have that would clearly indicate our home has not decreased in value in order to waive the PMI.
I paid off my account in XXXX XXXX to National Credit Audit in XXXX of XXXX. I call to ask when my information would be updated. The person became rude and adjitated that I contacted them and told me because I did a settlement it takes a long time to update and is up to the credit agency 's to update my information. I have called and e-mailed for updates and no response. Account name under XXXX XXXX. My new name is XXXX XXXX.
This is part of the Wells Fargo 'accounts opened without owner 's permission ' saga that continues to this day. Wells Fargo employees were challenged to open as many accounts as they could and rewards were paid supposedly. I have read that management at WF told these lower ranking employees how to aggressively open these accounts and this went on for years. I tried to no avail back in 2006 ( I think ) to have something done about this young man who did this to me. I went into the XXXX, CA branch and he ran away when he saw me. I complained to several management staff and even received a call one evening from an extremely rude and arrogant man who told me basically to shut up because non of his employees would ever do something like I had described.I was one of those people and it occurred years ago in XXXX Ca. and I tried repeatedly and for months when it happened to have something done about the young man that had harassed me while I sat at his desk using his phone to get my lock out service to come to unlock my car. This bank employee would not stop telling me that I needed to get a {$2000.00} personal loan type credit card. I was appalled at how rude and aggressive he was. He continued to talk to me non stop. I looked him in the eye and said " Listen, the last thing in the world I need right now is another credit card. Please leave me alone! A few days later my son and I boarded a beautiful cruise ship. I decided to check my bank account and was horrified at what I saw. The man I had met in the XXXX, CA Wells Fargo had gone ahead, against my wishes, and ordered the personal loan type of credit card. This just about ruined my entire trip. Now I had to deal with this while on vacation. So I contacted the bank and told them I wanted a copy of the application that I had supposedly filled out. When I received the copy that had all the info typed in from a computer, where the signature should have been, it read " no signature required. '' He had accessed my personal information and used it to order this card. It cost me fees as fees are charged when you get cash advances and I did not but he ( the bank employee ) had already processed several and then transferred those cash advances to my checking. A few months ago I received a check for $ XXXX from XXXX XXXX , Senior Vice President, Customer Remediation Office , Wells Fargo , XXXX. XXXX XXXX, XXXX, OR XXXX.I was utterly appalled. How rude and how dishonest and it is identity theft! I wish I could do something about this. It is a slap in the face. It was a horrible experience and quite stressful. How dare they insult me by sending me a check for {$1.00} and then writing another letter weeks later wanting to know why I had not cashed my check!! I would like to know how many, of the thousands they defrauded, are happy with their so called settlement. It is unfair and so UNAMERICAN how Wells Fargo was allowed to just brush these types of actions under their carpet.
this is a XXXX account i disputed as fraud and had a fraud alert put on my account and it still shows up on my credit report. shows a balance of XXXX its a fraud. thats why i placed a fraud alert.
I had to deposit money into my grandmother 's account, held at Bank of America. I was told they can not accept cash deposit since I was not on her account. They did make an acceptation to " their rule '' because she is out of country.

The reason given to me for the bank 's decision to not accept cash deposits from non-members is to cut down on fraud and " its not traceable. '' I fail to see how discriminating against deposits will cut down on fraud when specific bills accepted at the teller are not accounted-for nor associated with my specific account.

How can a financial institute do business in our country and not accept the Federal Reserve Note, the legal tender for all debits public and private here in America, because its not traceable?

So is the true reason for the bank 's business practice just for the tracing of a person 's finances? Usable in a court of law? Who is our government working for, if not for its people?
The person ( XXXX XXXX ) called and identified herself as an attorney. She demanded personal information from me, such as birth-date, phone number, address, etc. but would not tell me why she was calling. I asked man times for her to tell me but she said that because this was a lawsuit she had to verify personal information. She was very rude and harassing. She intimidated me into giving her personal information and them identified herself as a debt collector. At this time she told me she was recording the call. She told me that I need to pay in full at this time. I told her I was n't sure about this debt and did n't know if it was mine. She demanded it to be paid in full. 
I believe that she can not represent herself as an attorney and that she must let me know the call is being reordered. She was threatening about what would happen if the debt was not paid in full. The company she is with is called Berman-Rabin and the phone number is XXXX.
My previous complaint ( # XXXX ) had been closed - without benefit from CFPB 's scrutiny of OCWEN 's response. I have attached OCWEN 's response here which sets a deadline to accept or reject the loan offer within 14 days ( ends in XXXX XXXX, 2017 ). 

Contrary to CFPB 's concluding statement, the dismissed lawsuit I filed against OCWEN ( with XXXX Bank, XXXX, et al. ) did not include complaints about the systemic misconduct on " robo-signing '', which the CFPB and the Courts of California found OCWEN to have wrongfully engaged in and for which reasons, they have been penalized for. 

I am writing to inform that OCWEN, continue to defy the law and CFPB compliance requirement - OCWEN had fabricated " robo-signed '' documents and used such forgeries to enforce their illegitimate claim on my property. 

Here they have tampered /blacked out the loan numbers, added documents purporting to assign valid transfers of the note and mortgage. 

CFPB should hold lawyers from XXXX liable for aiding and abetting the fraud. They are at the heart of many wrongful foreclosures in California. 

I can not accept these documents for what they represent. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX
Im harrassed with phone calls and unrelenless amouts of mail concerning student loans im not able to pay. Due to my XXXX from Honorable service in the XXXX im unable to work an stable job currently while recieving limited unearned income from Veterans XXXX. Its a shame that the creditors cant recieve payment at this moment for student loans that furthered my education and im not even able to use the education to my advantage to earn the income needed. This doesnt mean that they should hassle me and im unable to make payments or even consolidate my credit in this day or hour.
i went online and call all three major credit bureaus XXXX Equifax, XXXX XXXX XXXX XXXX about multiple inquiries on my account that i did not authorize. They refuse to look into or remove these inquiries alot of these were made i believe when i purchased a new car and did not give authorization to pull my credit multiple times. Also XXXX refuses to remove an account that is in litigation due to fraudulent charges and damage to personal property with XXXX XXXX systems.
I ASKED FOR VALIDATION OF DEBT AND AS OF TODAY HAVE NOT RECEIVED ANYTHING BUT STILL CONTINUE TO REPORT TO CREDIT BUREAUS.THIS IS A VIOLATION FDCPA SECTION 809B WHICH I WILL SUE $ XXXX/VIOLATION. ALSO FDCPA SECTION 811A2 STATES THE COLLECTOR MUST BE IN THE COUNTY IN WHICH I LIVED WHEN I SIGNED THE ORIGINAL CONTRACT FOR THIS DEBT, THIS IS ALSO A VIOLATON WHICH I WILL SUE $ XXXX/VIOLATIONS.
AWFUL, INCOMPETENT, FRAUD, CHEATERS, OUTLAWS, etc. There are constant charges, escrow charges are doubled. Ditech claimed they had not received the information on homeowners insurance, but in reality had been sent several times. Of course you know about the late billing. It should not be assumed that everyone has access to a computer. No one will explain or discuss the problems with you. This proces with DITECH is a nightmare. It is unreal that type operation is allowed and go unpunished. Everyone does not have funds for lawsuits. But maybe we would if everyone just stop paying them. Oh, but that seem to be their motive - to make your mortgage payment unmanagable, so they can take your home. THEY MUST BE STOPPED!!!! NOW!!!!!
Dear Sir or Madam, While was looking at my bank account I realized I my XXXX student payment was taken twice from my bank account on XX/XX/XXXX I contact XXXX, INC who is responsible for the taking money twice from my account and the response from XXXX was only XXXX payment was recorded in my account on XX/XX/XXXX, and I was asked for proof of payment ( Please see the response from XXXX bellow ) I answered to XXXX request immediately and I attached my bank account, ( please find attached my bank account, page XXXX and XXXX shows my the subtraction of funds done twice on XX/XX/XXXX 

I received another answer by ACS telling me I will get a response in XXXX days, that was XXXX days ago. I email them twice already without a response. 
This company practices need to be investigated, I have the original emails when I consolitaded my federal students loans where interest rate was supposed to be XXXX and after XXXX years it will go to XXXX, this company changed the interest rate without notice or explenation to XXXX which I was told over the phone was my current rate. 

Thanks in advanced, XXXX emailsupport & lt ; XXXX ; XX/XX/XXXX to XXXX Thank you for your inquiry to XXXX 's XXXX Services Department XXXX 

After reviewing your account our record indicates that XXXX payment received on your account for XXXX. That payment was received on XX/XX/XXXX in the amount of {$770.00}. You may send us the front and back copy of the cashed check for the second payment in order for a research to be done, or you may send us a detailed copy of the bank statement to show that XXXX payments were made to XXXX in XX/XX/XXXX. 

Please note for future reference that we offer the XXXX ( ACH ) program which allows customers to authorize a banking institution to deduct loan payments automatically from a designated checking or savings account each month. A XXXX % interest rate deduction is offered for this program. You can visit our website at www.acs-education.com and apply online if you wish to enroll in this program. 

If you have any further questions, please feel free to contact us. 

Sincerely, XXXX Mail Support XXXX & XXXX & XXXX ; AttachmentsJan XXXX to XXXX, XXXX Thank you for your response, See attached my XXXX where you can see on XX/XX/XXXX the abstraction of {$1500.00}. Also, I have open an investigation with my bank to make sure I initiated the requested of ACS subtraction of the funds from my account for that month. 

Also, please we need the status of all my accounts with the interest rate charged and balances from the time you acquired the accounts. 

Thanks
Received a letter from Discover to provide photo ID and SOCIAL SECURITY CARD. 
( PHOTOS ). I am law enforcement and often on Special assignment. The letter was received 10 days after sent to me. I called Discover and made them aware of my situation. One I did not have a copy of my Social Security card and had to make a trip to the SS office to order a new one. Once I went to the office I was made aware that the SS offcie no Longer gave Receipts that included the Social Security number. It only ststed that a new card was processed.. I forwarded Discover what they asked for. However they had advised me it was 24 hours to late and the card was closed. I asked to speak to a Supervisor and was denied that opportunity on several occasions. Now the card is revoked and i was told was the card was closed all of the points and cash back earned would be credited to the card. However, there is clear discrimination here because was receiving my photo ID, the call was made to close the account based on ethnicity. 

Today they called me and said the card was not revoked and wanted a payment. i asked for a aSupervisor then and was told that I could reapply for the card ... this card has clearly damaged my credit. I have attempted several times to resolve this amicably with this company.
On XX/XX/XXXX I disputed my credit report which contained information being reported by XXXX XXXX. 

I sent a certified dispute letter requesting validation of the account being reported by XXXX, XXXX, and Experian. 

I received a response from XXXX XXXX on XX/XX/XXXX stating : " All account information ans documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do so. 

The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified. 

XXXX XXXX and Experian have violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.
CRA locked me out from accessing my free online report to dispute, unless I provide with a government ID with Photo, specifically a Drivers license and Electric Bill that does not appear on my credit report.
I on XX/XX/XXXX paid my internet bill, when I looked in my bank account I noticed another charged from XXXX XXXX XXXX, for {$27.00}. I immediately started to talk to XXXX XXXX XXXX about it told them I don't have service with you anymore I have a different phone service. Called my bank ASAP closed my debit card was issued a new one and reported to XXXX XXXX XXXX my cell phone that had the app on it had been stolen from me shut down auto pay and the phone I didn't authorize the payment. I have had to call supervisors and they have done nothing to refund my money.and the bank just don't care
I am requesting the proper documentation showing proof of a debt purchase. I understand that the Federal Trade Commission is explicit on debt purchase arrangements, where such proof can not be just a letter from the original creditor. If proof is not certain, then my rights are still in play under the Fair Debt Collection Practices Act. At no time was I even given proof of transfer from XXXX XXXX XXXX of an actual purchase of the {$1100.00} credit card obligation. If I do not receive such proof within the next 30-days, I will take the position that XXXX XXXX XXXX is operating as just another collection agency, not a debt buyer. The XXXX v. XXXX XXXX XXXX decision from the United States Supreme Court in XXXX of 2017 is causing problems in the debt collection industry, where debt collectors are now classifying their organizations as debt buyers without proper protocol.
BMW Finance is reporting an involuntary repossession - charged off account with a balance owing of {$9800.00} on my credit report. I recently spoke to XXXX, a collector, who stated the repossession in question was on XX/XX/XXXX - and first became delinquent in XX/XX/XXXX - more than NINE years ago. I have tried to reach XXXX, XXXX 's supervisor to no avail. I have repeatedly disputed this account, yet BMW continues to report it beyond legal time limits and simply state that I need to start the dispute process " again '' and email a canned letter ( attached ).
XXXX IS TRYING TO COLLECT A DEPT FOR XXXX XXXX  THAT IS NOT OWED. I HAVE N'T HAD SERVICE WITH XXXX FOR TWO YEARS AND ACCOUNT WAS PAID IN FULL AT TIME OF DISCONNECT. THEY HAVE REFUSED OR ARE UNABLE TO PRODUCE ANYTHING SHOWING WHY DEBT IS OWED, BUT THEY ARE STILL TRYING TO COLLECT. 

I KNOW THIS DEBT IS NOT OWED AND HAVE MADE SIX PHONE CALLS TO XXXX TRYING TO RESOLVE IT, IT APPEARS IT 'S AN ERROR IN THEIR SYSTEM AND WHEN I TALKED TO THE PEOPLE AT XXXX AS THEIR CUSTOMER SERVICE REPS WOULD SEE THE ERROR THEY WOULD PASS ME OFF ( THEY DID N'T KNOW HOW, COULDN't OR WOULD N'T FIX THE PROBLEM ) NOW IT 'S IN COLLECTIONS AND IT 'S BEING PERSUED AND IT 'S UNACCEPTABLE. 

REF XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX FAX ( XXXX ) XXXX
received call from XXXX XXXX who states he is a paralegal who is calling to get a statement from me, he stated I need to call before XXXX and that failure to call will result in lawsuit claim and possible civil action. He left a number of XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. 2016 CFPB Re : Complaint Number XXXX Ladies/Gentlemen : I have received your letter of XXXX 2016, informing me that the collection agency XXXX is discontinuing its collection efforts, as they are required to in disputed cases. 

I have also received another collection notice, this time from RPM collection agency ( Receivables Performance Management, XXXX. XXXX, XXXX WA XXXX ) telling me that I owe {$100.00}, please pay, etc. The XXXX account ( XXXX ) is the same in both cases ; the XXXX Collection department has not responded to the CPFB notice, apparently. 

In my email to you of XXXX stating the details of this case I listed five separate contacts we had with the XXXX Customer Service personnel ; each time we were told " Do n't worry, the account balance is XXXX, there was a system glitch. '' ; but each time there was another bill from XXXX for the same discontinued service. This has now gone on for 14 months, and still continues. 

It is a simple matter for XXXX to verify that there has been no activity on the lines in question since the original service cancellation, they have usage statistics for all digital lines ; thus, there is no basis for these continuing debt claims, and the XXXX Customer Service people seem to be aware of this. It should be quite clear that there was an accounting error. 

The fact that the XXXX Collection department keeps repeating this claim, evidently in hopes that I will simply give up and pay, just to avoid further nuisance, amounts to harassment. Is this really so hard to get resolved? Is this not what the CFPB was created to deal with? Please try once more to get this stopped, for good. 

Thanks, XXXX XXXX. 

.