WillisBack/dataset-financial-user-claim huggingface dataset:
I am attempting to negotiate a restructured or modified mortgage loan with my lender Rushmore Loan Management Services. Despite repeated calls to their loss mitigation department, it is impossible to get a human being on the phone to speak with me and no one returns my messages. I have not been assigned a designated point of contact, and they have moved forward with setting a sale date for my property. Rushmore recently sent out a denial letter, based apparently on documents I had sent in months earlier. They stated that I was denied for help due to lack of income, but the figures they were using were not current or correct. But it is impossible to speak with anyone about this so they just move forward with the foreclosure. 

I bought this home in 2008 with a conventional first mortgage through XXXX XXXX and a 2nd mortgage through XXXX with a 10 % down payment. About a year after buying the home problems began as I went through a divorce which hit me hard in the pocketbook due to child support for XXXX kids and legal costs.. A year later I got injured on the job ( I worked as an XXXX ) and ended up having to file through workers compensation in order to collect XXXX. Due to this interruption of income and lack of any reserves I eventually could not keep up and missed some payments on the loan. I began trying to resolve this matter with the original servicers, XXXX and XXXX a few years ago, but it literally took over a year to make any progress with them. They offered me a forbearance agreement that gave me a XXXX5 month break from payments. But then I had to go into applying for a modification through HAMP and this was time consuming and difficult. Eventually I was offered a streamline modification, but instead of offering payment relief this actually RAISED my monthly payment. I appreciated the fact that I had been offered help and did my best to make that monthly payment, but after a few months I defaulted. 

I am in the process of getting my XXXX reinstated in the state of California, and once I am able to go back to work full time doing this I will be back on my feet. To supplement my income I have rented out rooms in my home and have worked as a XXXX and also still receive my XXXX. I expect to be back working as an XXXX within the next year but am concerned that by that time Rushmore will have already foreclosed on my home. I want to save my home, and I expect for my loan servicer to communicate with me. I also have major concerns about the amount of late fees, Attorney fees , drive by inspection fees etc. It seems like Rushmore is charging me duplicate fees on the same day in many instances and I believe they may be taking advantage of me by piling all of this on so that they can write it off as a loss when they foreclose.
On XX/XX/2018 an XXXX XXXX XXXX XXXX XXXX XXXX XXXX   representative in an XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX United States ask me for some information including my name and address, she did not inform nor did I give consent to have a credit check, and now there is a hard inquiry on my Equifax Credit Report .
TCF bank says i cashed a check written out to me for XXXX dollars off of account that didnt have XXXX dollars in it.
Despite the evidence I have provided indicating that the  XXXX   XXXX   XXXX   XXXX   XXXX  violated Federal Laws in the handling of this debt -- both by failing to notify me about it prior to reporting it to the Credit Reporting Agencies on  XXXX / XXXX /  XXXX   and then refusing to forward the debt back to the creditor in response to my formal dispute of the charges on  XXXX / XXXX /  XXXX   after I was notified about it on  XXXX / XXXX /  XXXX   -- the  Credit Reporting Agencies  have persisted in listing the debt as valid, despite my disputes submitted concerning the validity of the debt because of the Federal laws that were violated in how it was handled by the  Collection Agency  assigned to it.
Company is lying telling people Im Deceased which has caused my income tax check to be delayed, extra harassment during jury duty as well as extreme duress and financial hardship
XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX   against XXXX XXXX and XXXX XXXX, So far I have been fighting the bank and legal system and is getting nowhere, The Bank previous attorney XXXX XXXX in and around XX/XX/XXXX entered into a settlement agreement with the New York State Attorney General Office and paid a fine of {>= $1,000,000}.

My case is just a number for Judge XXXX XXXX XXXX and XXXX XXXX XXXX, No one wants to spend the time to review my case and as a result of this my house was sold back to the bank and I was served many notices to vacate the property on XX/XX/XXXX I kept hiring and paying attorneys and accountant to modify my loan, it was always rejected, my original loan was {$580000.00} and the bank sold it to themselves through the referee for {>= $1,000,000}, This is big business for the bank and Attorneys, no wonder they would not modify my loan.

The bank has been taking advantage over my situation and the courts have cut off my rights to defend myself. The Plaintiff never resolved my pending answer since XX/XX/XXXX and convinced the court that I never appeared.

I request that someone-one with a sound ethical standard review my case and stop this foreclosure process. I need to have a home to live in.
When leaving to XXXX XXXX military status I am protected under the Servicememeber Civil Relief Act and XXXX and My apartments I was living in at the time XXXX XXXX XXXX XXXX reported my information. I settle the case with XXXX because they originally had charged me for cancellation which was disputed and removed from them and i paid the remaining bill of around XXXX dollars to close the account. Same with XXXX they have been paid off but under the act it should have never been reported because the only reason why the contracts were broken was due to me changing over to XXXX XXXX status. When disputing this information for the credit agencies, XXXX corrected the matter though I had to dispute it twice. While, equifax and XXXX corrected the balance but refuse to remove the account. I was told to contact the company which was already done because that is how I receive the knowledge to send the credit agencies my information to be removed. Therefore, it is now a pointing game on who needs to remove it from my collection account and it is becoming very frustrating when I have a act in place to protect me from all this. Attached are my order from the time I had to leave for XXXX XXXX status proving the time these companies reported me in collection I was XXXX. This information has also been provided to the credit agencies and still they keep declining the dispute even when I called they informed me that I have to keep it on there for 7 years when it should have not been reported in the first place.
My name is XXXX XXXX, I had a dispute with XXXX regarding an internet services. I ordered 20mbps of internet speed, and XXXX only gave me less than 1mbps. So I refused to pay XXXX. I worried that XXXX might charge me on my credit card, so on XXXX 2015 I phoned my credit card company, CHASE ink, to block any charge from XXXX, and CHASE promised me the whole thing. But on XXXX/XXXX/2015, CHASE accepted a charge of {$360.00} from XXXX, and put it on my account ( my account ending in XXXX ), and had me to pay for it. I started dispute with CHASE since then.
No longer receiving paper from Citicards.com statements as of  XXXX   XXXX , 20017. Consequently we were assessed late fees and a higher interest fees ( 29.9 % ) than we agreed upon.     Customer service ( in the  XXXX    ) telephone discussions were unintelligible and prolonged. Many conversations had to be ended due to inability to understand their spoken words.
Use of multiple verbal labels used by the CITI service rep 's to describe interest fees, late fees and service charges.
On XXXX XXXX, XXXX, Equifax allowed personal information to be released without consent placing me at risk for identity theft.
I suffered an insurance loss and promptly reported the loss to both my insurance company and my mortgage company. The first payment for replacement of cabinets, painting and drywall was issued to me with no problem. The second part of my claim pertained to my wood floors. My insurance company allotted me funds for a full replacement of all flooring in my downstairs however my floor contractor was able to replace/repair only what was damaged which resulted in a much small amount. My mortgage company is refusing to release my funds to me even though all repairs have been completed and the inspector from the mortgage company has approved all repairs. Per the terms of my deed of trust, once all repairs are completed and approved funds are to be released to me. I may or may not decide at a later date to have more flooring replaced however all repairs have been completed to the satisfaction of the mortgage company inspector.
On XX/XX/XXXX I contacted Discover card thru my online account by chatting. I was upset about there high interest rate since I had a problem with them before. I was asking how I could close my account after I found out my balance and the account was clear. At the end of the chatting session I thought I was pretty clear I would call back at my convenience and close after I had physically paid off the account. The discover associate took upon himself to close my account anyway. I called Discover and talked to a Supervisor. He assured me he would look into the chatting session and return my call in a couple days. Never herd back from him and I am concerned this online customer service agent has access to my personal information and will use it in a negative or fraudulent way
This company has been constantly calling my home for the last XXXX yrs all through out the day. The will call everyday before XXXX, in the afternoon and after XXXX. The keep asking for someone that 's not me. I have responded numerous of times, letting them know that I 'm not that person and that person do n't live at my address and this is my phone number. 
I do n't answer anymore because of the rudeness that I 've received from them on previous phone calls.
In XX/XX/XXXX, I closed my Citibank AAdvantage credit card account, having paid the outstanding balance and a {$25.00} late fee as I had missed one monthly statement. Shortly thereafter I received a statement from Citibank, noting the payment but posting a new charge of {$6.00} for " interest charged to standard purchases ''. I called Citibank on XX/XX/XXXX and spoke to a service representative who could not explain why the interest had been charged, BUT denied my request to have it removed from my account. She put me on hold to find a supervisor, but that person could not explain the charge either, nor would they remove the charge. We ended the call, unsatisfied! Since then I have received daily robo calls from a collection agency claiming to be Citibank, leaving a callback number and personal code " to retrieve your message ''. I called once, but there is no option to speak to a human, just a bot which demands personal information - which I am not going to share with a computerized system. These calls are aggravating and a waste of time on all sides.
I planned to take advantage of a balance transfer offer from CitiBank. I went online and chose the option for a check for a specific amount to be mailed to me. That check never arrived, but instead I was sent some blank balance transfer checks, so I used one. However, the check I deposited into my checking was returned by CitiBank, costing me {$19.00} for the NSF. I checked with Citibank and they had put a HOLD on the first check that they had cut for me ( the one I never received ) and for that reason the second check - the one that I deposited - was not honored. I questioned Citibank on the fairness of doing this and asked for a {$19.00} refund. Citibank stated it could not provide a refund, so that same day, XX/XX/XXXX, I requested they close my account and refund the overpayment. CitiBank did in fact closed the account the same day, but they are still sitting on my balance and refusing to pay. It was my understanding that I am to receive a check for an overpayment within 7 days of written request. It has been over seven days and still no word.
I was divorced 12 years ago here in New Jersey. I paid off all I owed back then. Since then I have remarried and have had no credit at all until about 3 years ago. My credit is XXXX and that is with XXXX loans for my sons school payment and orthodontics. These large loan amounts owed is the only thing keeping my credit from being in the XXXX 's. I do not owe these people, XXXX, nor have I owed anyone once I divorced and paid off all my amounts due. They are clearly mistaken. I am XXXX and have XXXX. If necessary I will seek legal counsel and that will hurt my retired wife and I severely.
I have opened  a Select Saving acco unt number ending  XXXX , routing  XXXX , with TD Bank using their online promotion on  XXXX  -17. I op ened  XXXX  checking account and saving account together and in their web site promotion was promised to pay {$300.00} for checking and {$100.00} for saving account if I fulfill terms in 90 days. I got {$300.00} for checking, while TD bank not posted {$100.00} rewards for saving account. I have kept {$20000.00} in saving account after I opened the account and as per the terms advertised I should get {$100.00} opening bonus. I followed up with the customer service on email multiple time and they confirmed me that I am eligible and will get in 95 days as per the attached email. I followed up now after 95 days over, got to know from their customer service that there was no such promotion. Wh ile  XX/XX/XXXX  email  attached, they promised, I will get the amount, but now they are saying I will not get.
I have received multiple letters from XXXX Inc. attempting to collect a medical debt from me. The phone number they provide on their letters goes to an automatic voice message stating that all representatives are busy and to leave my personal information. I have left a handful of voice messages with my name and contact information ; however I have not XXXX received a phone call back. This process has been ongoing for well over a month now and I can only imagine how much worse my credit score is being affected by this process. I am looking to pay my debt ; however can not reach anybody via phone and the website they provide also does not allow me to log in. I promptly get logged out to due an " error '' each time I attempt to log in. This is getting extremely frustrating and has caused me to file a complaint.
I am not sure what type of games that Transunion, and XXXX  is trying to play but I am over this cat and mouse game with these credit reporting agencies. The remarks on my credit report are inaccurate. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX all have remarks that are inaccurate and should be removed immediately!

DISPUTE OF ACCOUNT INFORMATION for any or all accounts need to be removed. The accounts was not investigated nor was the information I requested provided. I did not ask for a verification I asked for validation with paperwork that I requested and never got. While disputing, By law there should not be any negative marks on my credit report per FCRA after the dispute is over there should be NO REMARKS THAT I THE CONSUMER DID NOT AUTHORIZE! THE ISSUES WAS NOT RESOLVED IN MY EYES I AM NOT SATISFIED AND I WILL CONTINUE TO FIGHT THESE CREDIT REPORTING AGENCIES. I WILL BE FORWARDING THIS TO MY ATTORNEY AND THE CEO 'S OF THESE CREDIT REPORTING AGENCIES! My XXXX  account and XXXX XXXX on XXXX XXXX   is showing NEEDS ATTENTION when it is in bankruptcy. That remark was not authorized and it looks as though it is still open. Not a good look for my credit after filing! My last name is not XXXX  that Transunion has on my credit report! I have not applied for these accounts that is in XXXX! I have not been XXXX since XX/XX/XXXX! I have sent ID AFFIDAVIT to all the credit reporting agencies I believe it was in XX/XX/XXXX. I have the paperwork somewhere at my home. There is addresses on my report that I NEVER lived at and the response I get from these bureaus is this credit card is linked to this address. If the card is opened under ID theft/fraud and I never lived there how in the heck can you say you investigated my request to investigate! Remove this garbage immediately! Credit applications should not be done online without being in person. this is ridiculous! I will send a copy to the CEO 's of these bureaus too!
We have a Best Buy credit card. We recently noticed we are being charged a fee each month labeled as " DEBT PROT XXXX. '' This is not something we signed up for or agreed to. We believe this is a predatory lending practice. The fee totals about 1.01 % of our balance each month. We have been charged a total of {$150.00} since XXXX 2015 which is the oldest statement we have access to.
XXXX XXXX XXXX XXXX XXXX and J.A. Cambece Law P.C. for amount of {$2300.00}. I had sent XXXX XXXX XXXX XXXX XXXX a debt validation on or about XX/XX/2017 who XXXX XXXX XXXX assigned or sold the debt to IL XXXX XXXX XXXX, XXXX to collect the debt. The debt validation was sent to IL XXXX XXXX XXXX XXXX XXXX XXXX and they did not respond to my demand. Now XXXX XXXX XXXX XXXX XXXX assigned or sold the debt to J.A. Cambece Law P.C. and J.A. Cambece Law P.C. is now suing me. I have no knowledge of this debt.
I was shocked when I reviewed my credit report and found late payment on the dates below : 2 Late Payment in XX/XX/2016!

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I applied for a new car lease. My credit was checked with XXXX  and I had an XXXX credit score. Then, my credit was check with an unknown company called XXXX , XXXX and my score was a XXXX. I was denied the lease because of this. I never heard of theses people and you don't have to be XXXX to figure out that there is a problem. I contacted the phone number provided on the denial letter for XXXX, had to leave a message and no return call yet. These people should not be allowed to check one 's credit-obviously they are incompetent. Can they be barred from doing so? All my credit scores are well over 800.
XXXX XXXX  credit card ( XXXX XXXX ). was transferred and bought by XXXX XXXX XXXX XXXX phone # XXXX XXXX XXXX to verify paid and settled in full. It was showed as a paid and settled account on XX/XX/18 but on XX/XX/18 they took paid charge off. Off the comments. Its not in dispute other then the dispute should say paid charge off. Settled and paid in full thx. XXXX XXXX
i had several accounts opened for me which i did not request from wells fargo in XXXX ca and read some time ago the process was being questioned i think by the district attorney in XXXX whom i called. i was told they were only working on cases in XXXX and threw all my checkbooks, etc away ... i had paid my property taxes on an account that had no funds and was assessed over {$300.00} for a late fee and desired recourse. Is there any at this time due to the recent settlement or who do i contact? thanking you in advance for a response ...
GC Services uses the following tactic : They have been contacted with a complaint that has been filed against you and that they are getting ready to send the paperwork to you through the XXXX XXXX County courthouse. They have also left several messages threatening to serve me with ppwk. at my workplace and if I am not available they will need to get a signature from the upmost authority at my job and expose my business to the managers because they will need their verification that they are at the right place.

The most recent one is : they sent me a text that contained all my sensitive personal information. I have never given this company permission to text me and I don't think it's legal to text personal information. They don't know if it's the right number. That could of landed in the hands of someone that could of easily used my information negatively. They texted my ss #, dob, and my name.
A {XXXX} deposit was made on XXXX to a Bank of America branch in XXXX XXXX, CA to a checking account. The deposit was made via check. From this amount {XXXX} was withdrawn on XXXX at a Bank of America in XXXX, CA in the form of cash. Before the money was withdrawn I requested the teller to make sure the check which was deposited had cleared so the money could be used. The bank teller confirmed of the check having cleared. The {XXXX} was deposited in another bank. An hour after, I proceeded to make another withdrawal at Bank of America and my accounts were zeroed, because there was a stop payment placed on the {XXXX} check. I advised the other institution that Bank of America put a stop payment on the check, therefore, I demanded the {XXXX} to be returned to me. Bank of America over-drafted my account which is owned by my dad and I. Therefore, Bank of America is liable for releasing money on a customer 's good standing. For decades Bank of America has been advised to never release any money on any check if it has not cleared. Therefore, Bank of America is responsible to safe keep our deposits. Good standing of a customer will not stand on any withdrawal if a check has not cleared. The request has been made for many years and it has been ignored. There 's an overdraft of {XXXX} on one account, which Bank of America released on our good standing with the bank. That will not stand. I feel that none of my accounts are safe with Bank of America if that is their policy, and I was never advised of that. This is misleading to customers, when the good standing practice is used by the bank and money ends up in the account of somebody else.
I am a victim of the XX/XX/XXXX-XX/XX/XXXX XXXX Equifax hack, according to their online tool : https : //www.equifaxsecurity2017.com/XXXX
I have been with Chase card services for over 7 years. Today I received a letter saying my card will be close do to inactivity. I called asking to have the cars remain open and was told there is nothing that can be done. A few months back I was inquiring about the fees that will apply and how to maintain steady line of credit with them. At that time I know I would n't be using the card for sometime. I was informed that I do n't have to do anything. When the annual fees show for me to call them and they can remove them. I also ask if I would be able to freeze my account. I was informed that as long as activities was done one the account within 5 years, I have to do nothing. 
I was also told about the chase slate card in which I received. Had I known the information was incorrect I would have used my freedom card. I would like to keep the card open. The customer service center also stated that this will show on my account as a closed account. 
My concerns is if it is unable to remain open and have to be closed. Will it show close do to inactive and not just as close with out explanation because that can put a bad impact on my credit. 

Please let me know if there is anything I can do. 

Thanks
TD Bank took an automatic withdrawal of {$10000.00}, rather than {$1000.00}, from my checking account on XX/XX/XXXX. They refuse to process the refund in a timely manner, informing me that it will take up to ten business days. It has now been ten business days, I have no money in my checking account, and do not know what path to resolution there is.