WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a loan with XXXX XXXX XXXX. 
The first loan I was able to repay they then refused to close my account. Later they raised my credit amount. I needed some extra money for a personal emergency and went back to take out a loan that I could repay in one or two months. Unfortunately I lost my job in this time and informed them that I would not be able to repay the loan as quickly as I had planed. After one missed payment the intrest on the loan was one thouand more than the actual loan amount. I released that repayment would be impossible and requested they close the account and put my loan into collections so I could make the payment back. They refused to close the account and after informing them that I could not repay the loan they told me that not only would they not close the loan but would continue to charge me interest even with no payments being made. I have no idea how much they will try and charge me before they actually send this to a debt collection or court. I am in need of help with this company. I also requested that they do not automatically withdrawal from my account and they did so anyway. they told me it was for convenience but it caused an overdraft on my account. I have now asked them to stop two times and now also another in writing.
XXXX   XXXX     refu sed to provide details about an account they are reporting as charged off on my credit reports from  XXXX .   Report states it was a 39 month lease plus  XXXX  " failure to pay '' for  t  wo separa te months well after lease ended. Th e Statute of Limitatiins is long past even based on their reporting and it also is  very close to 7 years ago.        XXXX   XXXX   tol d me I could ONLY get details from a collection agency and stated specifically they refused to provide ANY information ( e.g., copy of lease agreement, type of car, amount allegedly owed, etc. ). The refusal violates th e Fair and Accueate Credit  Transactions Act.     I have had a few  XXXX  through my life and I have ALWAYS made my all of payments. All of them. I have previously tried to get information from them on the account without success. They confirmed that it was their practice to refuse to provide any details regarding items they have reported once the debt is transferred to third party agency.
My home loan was transferred to Rushmore Loan Management Services, LLC on XX/XX/2018 from XXXX XXXX XXXX. XXXX XXXX XXXX stopped collecting from me on XX/XX/2018. Rushmore date to start collecting from me was on XX/XX/2018. 
I am filing a complaint against Rushmore Loan Management Services, LLC because Rushmore gave me a Rushmore Pre-Welcome Letter dated XX/XX/2018. And then in XX/XX/2018 I received a Rushmore Welcome Letter dated XX/XX/2018 with a Substitute Form XXXX to fill out in which I knew the original XXXX Form was already filled out in the loan file. 
The Rushmore Pre-Welcome Letter means that Rushmore started collecting for my loan on its computer system two months in advance of XX/XX/2018. With this Pre-Welcome Letter dated XX/XX/2018 Rushmore gave me a computer generated interim payment coupon listing Rushmore loan #, due date XX/XX/2018, payment amount {$550.00} with my name and address and Rushmore address for sending in the payment. I cross out Rushmore loan # the due date XX/XX/2018 and put my prior XXXX XXXX XXXX loan # with due date of XX/XX/18. I also cross out the scan information at the bottom of the coupon leaving the amount at the end of the scan {$550.00}. 
A recoverable Advances Account was already established in Rushmore loan # by Rushmore collecting from XX/XX/2018 due date on Rushmore computer system for no payment and XX/XX/2018 due date for no payment on Rushmore computer system. And Rushmore knew XX/XX/2018 and XX/XX/2018 was being collected by XXXX XXXX  XXXX for the time before XX/XX/2018 is the time that XXXX XXXX  XXXX collect from me. 
My loan # with XXXX XXXX XXXX has an escrow account in it. XXXX XXXX XXXX verified on letter dated XX/XX/18 to me that XX/XX/18 payment was paid on XX/XX/2018 before service release and XX/XX/2018 was paid on XX/XX/2018 before service release. Rushmore received XX/XX/2018 payment directly from me in which Rushmore received it by certified mail on XX/XX/18 but Rushmore listed it as being received on XX/XX/2018. I have the certified note from the computer. 
My payments is broken down into principal, interest, and escrow each month in Rushmore loan #. But I can not see the escrow account balance each month but I see a recoverable advances balance that was established by Rushmore collecting before XX/XX/2018. And I have not received the Escrow statement that Rushmore is to give me within 45 days of established Rushmore loan #. And also the courtesy period by law in my loan which is 15 days after the first of the month is not observed on these mortgage statements that I have received from Rushmore Loan Management Services, LLC.
I recently reviewed my credit bureau and have a debt being reported by Commonwealth Financial for {$130.00} that shows as medical debt. I had insurance for XX/XX/2018 that was supposed to pay more on this debt. 

I never received a letter regarding this debt and when I went to the organization 's website they do not give an address. They only provide a phone number which I think violations the FDCPA because there is no way to send a dispute into them as they do not list their mailing address. 

As I do not owe this debt, it should be deleted from my credit bureau. I am consulting with an attorney regarding this matter.
Contacted XXXX XXXX and requested why the credit was pulled twice in two day for the same card. They told me that they cant help me and to call the reporting company Equifax. I called them and they said that I needed to clear that up with XXXX XXXX. 

I 've been getting the run around and both are unwilling to correct this hard hit on my credit card for a single inquiries they have reported two inquiries in error and will not correct it. 

XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX Hard inquiries in error Thank you for you help in this matter
The companies below ran my credit score without my permission and I want the problem to be fixed and the inquires to be taken off of my credit report ASAP. 

- XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX XXXX in XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX on XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - Capital One XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance
My name is  XXXX   XXXX , last four of my social at  XXXX . My mailing and billing address is  XXXX   XXXX   XXXX   XXXX  MD  XXXX . Date of Birth  XXXX   XXXX    XXXX  .     I have been blocked out of getting any info or using my credit card with First National Bank of Omaha. I followed their instructions in getting my identity verified by getting notarized ID and bills and sending it to the bank. THe bank is now forcing me to try to get a local bank to call the bank to verify my identity and I have tried and no bank in my area has that policy to do so. In addition, per the fair credit billing act, and fair credit reporting act, credit card companies can not verify identity in such way and unreasonable behave such that they do not provide me any information or allow me to use my card. I have fraud on my account and I expect the  ban  k First National Omaha to completely  XXXX  out my balance as any charge on that account in the past 2-3 months would have been used fraudulently without my consent unless it is my family member, which as of now we have no idea as First National is not shari  ng with me. Hence, I request First National to follow the instructions I sent them via statements USPS mail and look at the circled charged on that statement and file them as fraud and re credit my accou nt so that my account has  XXXX  TOTAL balance now. In a ddition I request First National to remove the block on my account and call me to discuss deta ils of my account at  XXXX  as I have already proven my identity via notarized documents.
Myself and other members of my family received a semi automated call about a debt that I know nothing about from HSBC.
I used the Experian website to lift a freeze on my credit report on XX/XX/XXXX, and received an online screen confirming the lift and was charged for the temporary lift. On XX/XX/XXXX a creditor reported that they were unable to process a credit request because Experian reported a freeze was intact. Experian provides no way to inquire or resolve the issue.
Experian,  XXXX  and  XXXX  credit bureaus continues to list   XXXX   XXXX   XXXX    XXXX  delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However, Experian,  XXXX  and  XXXX  credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet to be removed.
I had an available balance XXXX/XXXX/2015 - here is the information as per the update I received : The balance for your account XXXX has reached {$0.00} ( the upper balance you set for your alerts ). 
Ending Balance : $ XXXXAvailable Balance : $ XXXXThis information is accurate as of XXXX/XXXX/2015 XXXX Eastern Time. For the most current balance and more account details, sign on and go to Account Activity for this account. 

- I spent {$100.00} - XXXX charge that I thought was already covered came in after of {$99.00} so I went over. I understand XXXX overdraft fee, but they have the audacity to charge me XXXX overdraft fees. Of the purchases that make up the {$100.00}, XXXX are still showing as pending even though they showed as already being debited. I am very afraid that they are going to charge me another XXXX overdraft fees for a total of {$170.00} XXXX XXXX x {$35.00} XXXX. This is not only scary, but excessive. 
Here is what it shows on my online information : Pending Transactions Note : Debit card transaction amounts may change XXXX Learn More ) XXXX Payments Deposit XXXX XXXX $ XXXX XXXX 'S F XXXX FL XXXX $ XXXX XXXX XXXX FL XXXX $ XXXX XXXX Transaction XXXX with description : OVERDRAFT FEE FOR A TRANSACTION POSTED ON XXXX {$36.00} PURCHASE WITH CASH BACK {$35.00} AUTHORI ZED ON XXXX XXXX Service Station XXXXOVERDRAFT FEE FOR A TRANSACTION POSTED ON XXXX {$36.00} PURCHASE WITH CASH BACK {$35.00} AUTHORI ZED ON XXXX XXXX Service Station XXXX $ XXXX Transaction XXXX with description : OVERDRAFT FEE FOR A TRANSACTION POSTED ON XXXX {$38.00} PURCHASE AUTHORI ZED ON XXXX XXXX XXXXOVERDRAFT FEE FOR A TRANSACTION POSTED ON XXXX {$38.00} PURCHASE AUTHORI ZED ON XXXX XXXX XXXX $ XXXX Transaction XXXX with description : OVERDRAFT FEE FOR A TRANSACTION POSTED ON XXXX {$10.00} PURCHASE AUTHORI ZED ON XXXX XXXX XXXX FEE FOR A TRANSACTION POSTED ON XXXX {$10.00} PURCHASE AUTHORI ZED ON XXXX XXXX XXXX $ XXXX Transaction XXXX with description : PURCHASE WITH CASH BACK {$35.00} AUTHORIZED ON XXXX XXXX Service Station XXXX FL XXXX CARD XXXX WITH CASH BACK {$35.00} AUTHORIZED ON XXXX XXXX Service Station XXXX FL XXXX CARD XXXX $ XXXX Transaction XXXX with description : PURCHASE AUTHORIZED ON XXXX XXXX XXXX FL XXXX CARD XXXX AUTHORIZED ON XXXX XXXX XXXX FL XXXX CARD XXXX $ XXXX Transaction XXXX with description : PURCHASE AUTHORIZED ON XXXX XXXX XXXX FL XXXX CARD XXXX AUTHORIZED ON XXXX XXXX XXXX FL XXXX CARD XXXX $ XXXX Transaction XXXX with description : PURCHASE AUTHORIZED ON XXXX XXXX XXXX FL XXXX CARD XXXX AUTHORIZED ON XXXX XXXX XXXX FL XXXX CARD XXXX $ XXXX Transaction XXXX with description : PURCHASE AUTHORIZED ON XXXX XXXX # XXXX XXXX XXXX FL XXXX CARD XXXX AUTHORIZED ON XXXX DOLLAR TREE # XXXX XXXX XXXX FL XXXX CARD XXXX $ XXXX Transaction XXXX with description : PURCHASE AUTHORIZED ON XXXX XXXX Service Station XXXX FL XXXX CARD XXXX AUTHORIZED ON XXXX XXXX Service Station XXXX FL XXXX CARD XXXX $ XXXX Transaction XXXX with description : PURCHASE AUTHORIZED ON XXXX XXXX XXXX FL XXXX CARD XXXX AUTHORIZED ON XXXX XXXX XXXX FL XXXX CARD XXXX $ 1.49- They continuously misrepresent debits!
It states i opened an acct in 2016 and I did not currently shows that I owe {$2000.00}. They do not have license to collect or contact for debt in the State of Indiana. I want this information removed from all 3 of my credit reports
Diversified Consultants, Inc. Calls me multiple times per day.

I have requested via their website contact form more than 3 times for them to stop calling my phone number. 
They continue to call every day, multiple times. 
I reiterated on the phone that I have requested to not be called anymore and it still happens. 
I have also never recieved any written contact from them explaining the debt they are attempting to collect. 
I want the debt verified and the calls to stop.
To whom it may concern, I am writing this letter to plead my case about why I deserve to have my bank account reinstated. 

A few months ago I was approached by an acquaintance asking for help, he said it was urgent. He told me that he needed me to cash out his money order since he was unable to do it himself because he was having issues with his account and that it would be a big favor if I could do it for him. I had no experience dealing with accounts like this before so was not as suspicious of his motives as I now realize I should have been. I believed him and did him the favor. Now, I realize I got lied to, victimized and hustled. I am ashamed I allowed myself to get taken advantage of and that I was so nave.
I used my Best Buy credit card to buy the XXXX XXXX service for 1 year. The following year, when my service was about to end, I got an email asking if I wanted to continue the XXXX XXXX service for another year. I answered yes to the email and my credit card was billed for 1 year of service. As my 2nd year of service ends, I do n't get an email about continuing the service. I 'm auto-renewed and billed for another year of XXXX XXXX service without my knowledge or consent. Citi Bank customer service says I was enrolled in auto-renew because I previously paid for the XXXX XXXX service using my credit card. I do n't ask for auto-renew and I did n't want buy the XXXX XXXX service for another year. I made a complaint with Citi Bank, but it 'll take 6 weeks for their reply. In the mean time, I 'm forced to pay the bill and late fees for this charge or my credit rating will be damaged.
I have a short sale offer for what my property appraises for and on XXXX XXXX, 2015 I was informed by my mortgage lender that instead of taking the offer and/or countering the offer at a reasonable amount they are going to proceed with the foreclosure sale. This will push me into a foreclosure situation. I have done everything that I can and I am desperate for some type of assistance. I feel as if the lender is n't doing what the government says that they should do, which is provide foreclosure alternatives to homeowners like myself.
XXXX XXXX was supposed to have mailed to me another IBR form, but I have not received it. 
I knew not where to have begun ... e.g., when I was an XXXX, a university that I withdrew from officially and transferred from changed my financial aid information repeatedly, more or less daily, without my knowledge or consent, so that it received money instead of the university where I was actually enrolled ... The most recent major issue that I had was that the loan company tried to have consolidated bogus loans instead of the real ones ... 
I knew where this will have ended ... I XXXX  almost twenty years ago, but was expected to have been in debt another 30 years or more ... The loans will never have been repaid. Whoever loaned the money knew the risk ...
For starters this is not my debt I never was present or signed any paper work and I have provided this information to XXXX XXXX and they continue their aggressive collection practices XXXX XXXX, Purchase this debt from XXXX / XXXX in 2011 they deleted after 7 years of no activity, so XXXX has by law no right to continue to report XXXX XXXX and Experian are in violation of the fair credit act
I submitted the attached police report to all  XXXX  credit bureaus notifying them that I was a victim of identity theft and that the Bank of America account ending in  XXXX  that was reported as a charge off on my credit report with a balance of {$1500.00} was the result of a stolen credit card. I asked that this account be immediately removed from my credit file ; however, both  XXXX  and  XXXX  have refused to remove stating that Bank of America has confirmed that the charges are correct. I have attempted to follow up with Bank of America directly but every time I call in I am given the run around. Numerous agents have confirmed that not only are the charges fraudulent but nearly 75 % of the balance that is being reported is the result of their own late fees and interest charges assessed after I initially alerted them to the fraud on my account back in  XXXX   XXXX . It is my very strong belief that this balance is an attempt by Bank of America to extort money from its customers and that the resulting charge off was an act of retaliation by Bank of America as I have refused to pay any and all of this {$1500.00} balance. As evidence of this fact, since closing the account in  XXXX   XXXX , Bank of America has refused to further investigate the fraud claims made on this account, even porting the account balance ( without the actual transaction h istory ) to another acco unt number in order to mask the poor account management that has taken place here and continue to report this account to my credit report after I provided documentation with the credit reporting agencies as proof of the fraudulent activity on this account. Further, through the end of  XXXX  Bank of America management refused to answer any of my numerous inquiries and attempts to remove this account from my credit report. Again as evidence of this fact, I filed a Better Business Bureau complaint in  XXXX   XXXX , which also went unanswered.
Contacted Bank of America about NSF fees. Explained that XXXX creditors XXXX and XXXX XXXX had double debited my account and the reversals of the second debit were in process with XXXX companies. I advised that this situation had caused my most recent overdraft situation and would like some concession of NSF fees at {$35.00} each. Representative read me the relevant disclosures about keeping sufficient balances in my account etc. Since overdrafts are decisioned electronically the cost to the Bank is in the pennies at most. The cost to their customers however, is {$35.00} each. This seems to be an exorbitant profit margin on that " product ''. The profit on the forced sale of bank penalties is probably in the 5,000 % range over the cost of providing the " service ''. The bank should have the strategy and the process in place to quickly and efficiently process alternative ways of responding to its NSF policy and strategy when long time customers clarify a real life, verifiable, predicament. This NSF revenue or profit center is a dishonorable way of making profits and delivering shareholder value for a large publicly owned institution.
This complaint is against Wells Fargo. Student loans came due, I was constantly harassed by phone calls requesting payment. I repeatedly asked for payments to be lowered, asked for detailed payment information which I never received. My parents submitted paperwork to have payments lowered and was never contacted back with an answer. I was hit with late fees for months. I still inquired about a detailed report to see interest accrued and never received.
I had XXXX credit card accounts with HSBC. They were both discharged in chapter XXXX bankruptcy. On my credit reports they were showing the status as " CHARGED OFF ''. I disputed these accounts with the credit bureaus and they both came back as verified. I then wrote HSBC a certified letter asking them to update these accounts to show that they were " INCLUDED IN BANKRUPTCY ''. I sent the letter certified mail. That was 3 months ago and I have not received a response from them. I then disputed the accounts again in XXXX and once again they came back as verified.
All information on all of the reports from Experian, XXXX, and XXXX Credit Reporting Agencies are based on unconscionable contracts based in Non-Disclosure and Deception by the alleged Creditor. All alleged creditors who entered negative reports to the credit reporting agencies did it without my agreement or consent of my freewill. Which bases those claims in deception and concealment in an attempt to defraud the Living. Alleged creditors have no valid verified Proof of Claim and I rest assured can NOT produce a verified proof of claim. Therefore all negative reports must be removed within 3 banking days.
This debt is on my credit report and I would like to dispute this matter. The account is Jefferson Capital SY - XXXX XXXX for the amount {$2600.00}. Please help me fix this. My email is XXXXXXXXXXXX. Phone number XXXX. Thank you. 

XXXX XXXX XXXX
Equifax seems to have released my personal identifying information, including Social Security number and credit card numbers, to unknown persons as part of the 2017 " hack ''. They should compensate me for my time and trouble monitoring and scrubbing information about me in their database in the months to come.
I recently disputed the following accounts and the credit agencies, Transunion, XXXX, and XXXX, came back stating accounts been verified, Now I'm requesting a Method Of Verification with all supporting documents as stated in the laws of FCRA, please provide me with all the information governing these accounts or delete/ block them from my credit report. ( 1 ) XXXX XXXX {$9500.00} ( 2 ) XXXX XXXX XXXX {$5400.00}, ( 3 ) XXXX XXXX XXXX ( 4 ) XXXX XXXX XXXX ( XX/XX/2016 )
We are fighting to keep our home. I sent in a QWR and OCWEN in return just made a document dump and sent me a box with thousands of documents ... there is no way of understanding what document goes with what question, hence I feel OCWEN is not in compliance with RESPA. Below is what I sent to them to comply. 
Best regards. 
XXXX XXXX Attn : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX Loan Number : XXXX Ocwen Loan Servicing , LLC Lady and Gentleman. 

I received on XX/XX/2016 the box of documents that the Research department provided from my request through the Qualified Written Request to you dated XX/XX/2016. After going through the documents you provided and trying to match them up with the specific questions asked in the QWR, it is clear that all that was done, on your end wasa document dump of everything inthe file for this property.There is no way that any person could verify questions in the QWR to specific documents that you provided and I find that you are not in compliance in spirit or deed with the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ). 

What I require is, you to take question by question in the QWR and match a document to each question you believe reflects it 's answer. You will have to make a " KEY '' like " A1, A2, A3, A4 and match question to document so one can understand what you are communicating. 

We have a lot at stake here, so lets at least be professional about it. 
Best regards. 
... ... ... ... ... ... ... ... ..XXXX XXXX XXXXXXXXXXXX XXXX
CBNA did a hard pull for my credit on XX/XX/2016 and it affected my credit sscore