WillisBack/dataset-financial-user-claim huggingface dataset:
SunWest Loan # XXXX First off my husband is a veteran and we filed for a VA refinance loan. We were told by XXXX XXXX of SW that we would get a 3.75 % loan. All paperwork was going through and each time we saw 4 % on the docs we called XXXX. He said it was just during the process and it would change in the end, after all credit cards were paid. Well it never changed and when we were signing docs we saw that it was a 4 % loan! We were livid! But we had to go through with the loan because we had to pay a personal loan off within 2 weeks. After contacting SW about this issue, all we were told was SW never promised us a 3.75 %. We went back and forth with some robot who kept stating the same thing over and over. This was more upsetting because we informed them that we were trusting what XXXX was telling us and now find out we should not have!! The difference in the loan rates makes our monthly payment hard to handle, we are struggling to get by. 
Back in XX/XX/2018 we got a letter that our Escrow Account was short by {$290.00} and that we could pay it to get that fixed. So we paid it, wrote on the check that it was for the Escrow Account, but I just found out SW applied it to our mortgage therefore the following month they only billed us {$3300.00}. We paid this and now we just received a letter that we sent in a short payment! We paid the statement amount! Then they say this could adversely affect our credit! This is all their error but they are making it seem like it is our fault. We called today and spoke with a XXXX, an account specialist and we asked him for an apology letter stating they were wrong. But he did try to blame us telling us we should have written in the memo section of the check that it was for the Escrow account, and we told him, we did!! SW never wants to apologize for their errors. And the main error of promising us a 3.75 % rate and getting us a 4 % is unimagineable!! We clearly remember that XXXX said if we paid off some credit cards we would get this rate and we did, but we still did not get the rate!!! We feel SW should stand by their promise to get us this 3.75 %!
In XXXX XXXX, I was asked by a Citizens Bank Investment Counselor XXXX XXXX XXXX XXXX to take my IRA Account of {$93000.00} and invest my retirement funds with Citizen Investment Services and was orally quoted that my retirement account would yield ( at least ) 8 % OR greater but no less than 8 percent annually. The income would then be posted on the XXXX anniversary date of the investment. I became worried and very upset upon getting monthly statements from this new investment put forth by XXXX XXXX XXXX. In fact, my $ XXXX investment within months showed a decrease in excess of {$4000.00}. I became so upset when receiving statement after statement with a huge loss of my retirement funds, I made several phone calls and e-mails to XXXX XXXX who explained that when ( in XXXX XXXX ) the posting of my first anniversary dividend ... that I would see a huge dividend and increase to my investment. I really thought XXXX XXXX was being honest with me, however, I soon learned that he lied to me about the return on my investment and too, that an investment friend whom I later became associated with told me about FINRA, an organization that keeps track of investment brokers, etc. Much to my surprise, XXXX XXXX had a complaint lodged against him for which he was found responsible for and too made to make restitution of {$9100.00}. I did file a complaint with XXXX XXXX 's parent company located in Massachusetts, however, they too, replied to me with bold face lies as to the scenario of events and too, what XXXX XXXX told me. In fact, to prove my point, XXXX XXXX, probably through a mistake copied my entire file he had on me, sent to to an investment broker and included a brochure which stated that the investment could yield better than 8 % or better. This proved that I did not just make up the percentage return on my IRA investment nor that I fabricated anything. I just received my XXXX XXXX Statement and AFTER SIX YEARS, my principal balance increased ONLY {$10.00}. Citizens Investment Services USED my {$93000.00} and probably earned 30 % or better. This is morally, ethically and criminal. Lastly, I did find out that the Security and Exchange Commission has repeatedly fined the Citizens Group of wrongful acts among its many spin-off subsidiaries. I NEED YOUR HELP to get my investment back together with the dividend income promised me, since inception. I am enclosing several documents and can give you the name of someone who has additional information in this matter.
XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX. XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX XXXX concerning not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX XXXX XXXX account is : XXXX. I give the CFPB permission to share any details about this case with Experian. I have attached screen shots of the CFPB portal showing XXXX XXXX XXXX 's response in which they claim they can not find any account matching my information. They cite a 3rd parties name claiming they looked under that name as well and could not find any account. XXXX XXXX XXXX has been provided with my photo ID, credit report, social security number and DOB and was unable to verify an account. When I have previously disputed this account through the traditional method of directly to the credit bureau via USPS I received notification from the credit bureau that they validated the debt - however when I reached out to the creditor I was met with the attached response. This debt is not mine and I have proven that multiple times. Now I have proof that XXXX XXXX XXXX can not validate this debt.
ID THEFT VICTIM VIOLATES HIPPA, CRA RIGHTS, FILED POLICE REPORT AND SEND ALL DOCUMENTATION OVER TO THE COMPANY XXXX POLICE CASE NUMBER XXXX
Lowes denied me for a credit card when I should have never been denied. I was looking to get financing for the house I just bought to do my kitchen and there is no way I could get approved for a home and not this credit card.
I applied for student loan consolidation through a new provider. The new provider paid all of my previous student loan debts. After the new provider paid Nelnet, Nelnet then added another XXXX dollars to my account ( to which they are also applying interest. ) I called three times asking for an explanation and was given three different answers. ( I always owed this money but it was never reflected on my account, This XXXX dollars was forgotten and never added to my account, if I had done my own calculations for my pay schedule I would have seen that I always owed this much. ) Each time I asked for a detailed account of why I owed this money. It was not provided after the first call, the second call but then after the third call, a pay history was sent explaining why I owed them money. They are now claiming i owe them XXXX and that I should be paying them every XXXX dollars every month - strange payment terms I never agreed to. I would also like to add on, their student loan forgiveness program is fraudulent in nature period as clearly they never had any intention of forgiving any loans.
My loan was transferred to a new servicer Rushmore Loan Management Services. I have received a loan modification packet from Rushmore Loan Management Services and have submitted all documentation they have requested to them fax. Im in review but my foreclosure sale date is still showing online as active on XX/XX/2019. Im scared and do not know what to expect from the company. Im working with them but do not know if they are willing to do the same and follow the California Homeowners Bill of Rights Act.

Here is some information from previous servicers and what has happened. 
I received a loan modification package from XXXX XXXX  with a proposal trial period payment for 3 months in the amount of {$3600.00} which is around {$1700.00} over the amount i used to pay before to XXXX  XXXX XXXX. My payment was {$1900.00}. How can i afford to pay more then what i couldn't pay before in the first place? 
I have spoken to a lot of my close friends who were in the same situation as me and around the same loan amount and property size, they have received a very good loan modification of around {$980.00} a month, another friend received a loan modification in the amount of {$660.00} a month. How can this be that they are receiving loan modifications to help them stay and pay for their home while i can not even get a close amount to my old payment of {$1900.00}? 
Please help me as this is getting out of hand and Im worried for my family and losing my home to this banking scam. It seems to me that they are just transferring loans to get away from giving out a loan modification. 
I have sent Rushmore Loan Management Services my full Request for mortgage Assistance package and they have received it with no error. But while in review I still show that the sale is scheduled and coming up.
In XXXX XXXX I closed a America Express account managed by XXXX XXXX XXXX. The outstanding balance was XXXX. The last time that the account was available on line was in XXXX XXXX there was no balance outstanding. Several months later in XXXX XXXX accepted a charge to that account using the closed account number, an card expiration date 10 months in the past for approximately {$97.00}. XXXX XXXX XXXX accepted the charge to an account closed 7 months previously with an account number terminated 10 months prior with an expiration date 9 months in the past. From XXXX to XXXX XXXX they then charged interested and late charges without ever contacting me. In XXXX XXXX, 14 months after closing the account and 7 months after the charge I received in the mail the account was significantly in default with {$150.00} in late charges. I do not accept that the XXXX account should have accepted the charges. XXXX XXXX XXXX currently lists my FiCA score as XXXX perfect, and XXXX list the account as closed in with XXXX outstanding balance.
On XX/XX/XXXX around XXXX XXXX, I sent two of my contractors payments using Chase 's Quick Pay  feature. I received two emails within 15 minutes stating that the funds were pending. I checked my account and the money was taken out for one of my contractors. I called the bank to find out that there was internal issues with their online banking systems. I asked if the funds would be available by the end of the day. At first the person told me that it would be fixed within an hour or two. Later she told me that it would be fixed by the end of the day, but most likely within the hour or two. Around XXXX XXXX I called back and was given the same information. At XXXX XXXX I received two emails. One stated that the contractor which the funds already had been taken out failed, but the other contractor was funded. I checked my account and the funds for the contractor that had been taken out previously were not back in my account. I called Chase to see how to get those funds added back in so that I could pay my contractor. The first person I talked to could n't help me and transferred me to someone else. The second person tried to explain that the funds would be available the next day. I explained that I needed to pay my contractor and that the funds were available that morning. They transferred me to another person. This next person explained the same thing, that they could n't help me and that I would have to speak to the claims department, but that they would be able to replace my money. The person from claims told me that they were the wrong department and transferred me back the the first department that I talked to. At this point I was on the phone for almost 3 and a half hours. The next lady that I spoke to told me that I was in the wrong department and told me that she would transfer me to claim, which is literally the department that I just spoke to. She told me that my wait time would be 45 minutes. I explained that this was outrageous and that I needed to speak to a supervisor. This person immediately transferred me to online support. And finally this lady explained that there was no possible way to get my money. If I do n't have funds available they charge me overdraft fees, but when they mismanage my money there is nothing that I can do about it!!!!! I feel as if they stole my money and told me that I had to wait until they were done with it. I explained that if this contractor decides to no longer do business with my company, due to not being paid on time, I would lose thousands of dollars. Luckily, I think that I have saved the situation with him, but my issue is this, how is it possible for a bank to lose my money and have no consequences. I had the funds that morning and they mismanaged my account. Additionally, the other contractor did n't receive his money until today. Typically the funds are approved and transferred the same day.
My account from Capital One went into collections. I agreed upon an amount paid every check ( XXXX ) it still shows that I owe an outstanding debt of {$100.00} on my credit report when it is in fact paid in full. I want it removed from my credit report!
A {$19000.00} credit card was issued  by Fifth Third Ba nk in the name of  XXXX   XXXX   XXXX . This card was not requested by my  wife (   XXXX   XXXX   XXXX    ) and the first name is even spelled incorrectly.
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I called Fifth Third (    XXXX / XXXX /    2017 ) as soon as I saw the documentation that a card had been issued and that a change of address was processed for the card.
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Fifth Third blocked the account but now wo n't be accountable for removing the credit report info. They want me to take care of that even though Fifth Third is completely responsible for issuing the card. The credit report shows where Fifth Third made an inquiry   and then later issued a card.  <P/> I think the bank should back out the card from my credit report and not force me to get on  XXXX  numbers to credit bureaus to fix their incompetence.
This company, Forward Movement Recovery, has been calling my number for several months. They always ask for   XXXX   XXXX   ( spelling? ) and I am not that person nor do I know them. They call multiple times a week from multiple numbers. I tried blocking their number, but they just use a new number. I have spoken to at least 3 different people over the last 6 months telling them to remove me from their list. Each time they said they will do it and they have not. Going forward, I will keep a log of each time they call. Here is the most recent activity :  XXXX   XXXX / XXXX /2017  XXXX  Spoke with someone and they said they would remove me.   XXXX     XXXX / XXXX /2017  XXXX  No message   XXXX    XXXX / XXXX /2017   XXXX   No message  XXXX   XXXX / XXXX /2017  XXXX  Left a message asking for   XXXX   XXXX
THIS IS A QWR, QUALIFIED WRITTEN REQUESt, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, PLEASE, PLEASE, Provide all documents from the loan modification and family and name transfer of this loan between the dates of XX/XX/XXXX and XX/XX/XXXX. In addition please provide all documents from XX/XX/XXXX to XX/XX/XXXX the period of OCWEN Loan Servicing. I have made several request for this information without receiving this information. You have closed complaints as duplicates on several complaints submitted. As recent as today you submitted that you were making an interim response when you were in fact Closing the Complaint. As I submit this QWR QUALIFIED WRITTEN REQUEST, NOW on XX/XX/XXXX @ XXXX XXXX. OCWEN has not sent notice to me or the CFPB that you have closed the last complaint submitted XX/XX/XXXX as Complaint Closed with an explanation, The same explanation you continually lie and use to cover the mistakes you have made. 

What is ridiculous is this same information OCWEN is lying and denying is on file with the CFPB. 

Again, THIS IS A QWR, QUALIFIED WRITTEN REQUESt, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, PLEASE, PLEASE, Provide all documents transacted from XX/XX/XXXX to XX/XX/XXXX, in regards to this loan. 

OCWEN has reached a new low. You have provided only the original loan documents signed by my DECEASED DAUGHTER, originally signed XX/XX/XXXX. 

You have had this loan only since XX/XX/XXXX and the original request was for the transactions subject to the original complaint first filed. Trust that you will not get away with this. This will become my lifes work. I will now make everyone in this country aware of OCWEN who is not already aware of your hideous reputation for loan servicing errors and law suits and what you have done while lying slogan continues HELPING HOME OWNERS IS WHAT WE DO. 

THIS IS A QWR, QUALIFIED WRITTEN REQUESt, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, PLEASE, PLEASE, Provide all documents since XX/XX/XXXX when you started servicing this loan to XX/XX/XXXX, in addition to the loan modification and family transfer documents from my deceased daughters estate, and documents relating to the attempted transfer of this loan in a foreclosure status with {$13000.00} due upon transfer and documents relating to payments returned to me.
XXXX   XXXX ,   XXXX   I went to the  XXXX   XXXX   XXXX , located on  XXXX   XXXX ,  XXXX   XXXX , NJ. I went to  XXXX   XXXX   XXXX  to have some dental work done on my teeth. After a valuation they stated that I needed have bridge work done to correct my dental problem. I was given local anesthesia. After completion of the valuation, I was told that the cost would be  XXXX . {$4000.00}, and I was given an application to complete for Care Credit. It was not completely explained to me about the financing with Care Credit and I was a little drowsy from the anesthesia, so I completed and sign the application. I was only given 15 minutes to make a decision. I left  XXXX   XXXX , went home and thought about what I had done. I read the pamphlet which stated that I had 3 days to rescind the application. I called back to  XXXX   XXXX   XXXX  on th e 3rd day and spoke with one of the  ladies in the office name  XXXX , and told her to cancel my care credit account, I would paid with my own resources. She said the bridge was order. A month later I received a bill in the mail. A few months later I return to  XXXX   XXXX   XXXX  to have the partial   XXXX    done. I made a partial payment to the dentistry by credit card which was accepted. At this time I thought they had cancelled the care credit card application. Another month passed and I received another bill requesting payment from Care Credit. I called  XXXX    XXXX    XXXX  to remind them that I had cancelled the care credit card with them previously. Well they told me that they would not complete my dental work unless the amount was paid in full. I did not return to  XXXX   XXXX   XXXX  and the bills continue to come to my house. My complaint is that I cancelled the application within the 3 days and also paid out of pocket money for my partial   XXXX   work. I had no more dental work done and care credit is on my credit report showing that I owe {$2400.00} with an overdue payment of {$650.00}. I made several attempts to resolve this with  XXXX   XXXX , but have been successful. Please investigate this debt to clear of my credit report. My credit is good and this debt has caused by score to drop. I feel as though I have been taken advantage of as a senior citizen. Thank you for helping me with this matter.
I believe that this debt collector illegally altered my information so that I would owe a debt collections company I do not owe. 
Or they may have contacted my original creditor and asked to have me make payments to them. This debt collections company is reporting to the credit bureau that I am delinquent and I have not paid my debt to my original creditor when I have proof of payment to my original creditor. I have already disputed this debt collection 's company because I have been making my payment to my original creditor XXXX Hospital.
I called Experian to have my personal information corrected after I pulled my credit report. I told the agent that I spoke to that there were several addresses being listed on my credit report that were neither mine nor addresses that I have ever resided at. The agent stated that he would not remove nor update incorrect information on my report. I informed the agent that I have lived at the same address for over 13yrs and they addresses that were being reported could not be accurate. I have had the same address listed on my TX Drivers License and with my employer as well. My address has not changed in 13yrs. The agent I dealt with was rude and unwilling to assist me in correcting incorrect information.
I currently have an open complaint against ChexSystems. It appears that ChexSystems attempts to circumvent the law and/or just shows complete disregard for what a consumer facing identity theft attempts to explain to them. Chexystems responded to one of the complaints about the fraudulent address on my ChexSystems file telling me that they will refuse to remove the address because I used the address to order a ChexSystem report. The is incorrect. If ChexSystems sent a report to that address than ChexSystems has contributed to the identity theft and helped someone commit a criminal act. I did not order my ChexSystem report rather I was told by a financial institution that I was disputing information with that I should contact ChexSystems because chances are fraudulent information was being reported by them. I am thankful this is all in writing and being recorded through a government agency because now ChexSystems has admitted being complicit in online fraud.
a women calles from accelerated receivables management said i owed a bill or copay of XXXX dollars .and me being XXXX an below the poverty level .i dont pay any copay anything.so she then stated i should pay my bills i again tried to explain it again then she said quote we will see what it does to your credit.so now it is XXXX showing on my credit report.violation of the f.d.c.p.a.
I never had a XXXX account in my life and my credit shows that i have iask them to correct this many times and they still have done nothing
The account in dispute appear on my credit report several time under different collector company names Initiate an investigation with credit reporting Bureau. investigation was not conducted as requested. Document proof of that indeed account belong to me.   The collection agency fail to respond to verification of account after summiting a letter that my identity theft report and letter send to collector agency company address that is reported on credit file
After the XXXX security breach, where my personal information was sold/stolen/given to unauthorized parties, I have been attempting to place Credit Freezes on my personal accounts with the ( 3 ) major Credit Agencies. 

As of this writing, no less than 18 hours of phone/computer time has been invested over the last 4 days trying to reach any/all of these agencies. No Luck. 

My personal information is out in the open ; websites are crashing ; phones are not answered and I am being held hostage by ( 3 ) Credit Bureaus who have no interest in assisting me while my 25 years of diligent financial effort is vulnerable. 

I need to be able to reach a PERSON on the phone who can assist me with placing freezes on my credit. 
Thank you