WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX Mortgage Bill raised from : {$920.00} to {$960.00} XX/XX/XXXX @ XXXX called Rushmore to inquire as to why they raised the mortgage payment. 
1. After being connected to a person allegedly named XXXX, I was placed on hold for an extremely long time. This person, calling themselves XXXX claimed to have computer problems. 
But first was asked an endless line of questions, to verify my identity. 
They couldnt access because of computer problems, so I was transferred to another person. 
After a long time on hold trying to get rid of me ). 

( XXXX - XXXX ) 2. The second person, allegedly named XXXX, had limited access to my mortgage information. But first asked a barrage of questions, again to verify my identity. 
They lied to me as to why the mortgage payment was raised ; saying taxes went up. 
The millage rate totals are XXXX for the year XXXX as well as XXXX. 
Ive been notified by insurance companies that the mortgage servicer ( Rushmore Loan Management Services ) has not paid for insurance policies. 

( XXXX - XXXX : 3. So I get transferred to a third person in the insurance department. This person went by the alleged name XXXX. She tried to quickly get rid of me too. 
I explained the changes in insurance policies, and it appeared that that they ( Rushmore ) had received all the paperwork from the insurance companies. But she couldnt give me an answer. She had Limited authority and capabilities. 
I kept getting placed on hold, while she stopped to ask someone ( her superior, that should of handled the call ), at every step of the way. 

I explained each insurance policy number, start date, & end date. 
But it is apparent that there isnt anyone there intelligent enough to comprehend a simple time line. 
My mortgage payment should of gone down instead of up. 

XXXX XXXX XXXX - XXXX Policy # : XXXX Policy Period : XX/XX/XXXX to XX/XX/XXXX Total Annual Premium : $ XXXX XXXX XXXX Policy Number : XXXX Policy Effective Date : XX/XX/XXXX to XX/XX/XXXX 12-Month Premium : $ XXXX XXXX XXXX   XXXX XXXX - XXXX Policy Number : xxxxxxxx Policy Start Date : XX/XX/XXXX - XX/XX/XXXX Policy Amount : $ XXXX Payment Terms : Mortgage - Pay in full XXXX  XXXX - XXXX Property ( xxxxxxxxxx ) BillingAccount ( xxxxxxxxxx ) Policy Number xxxxxxxxxxx Total length of call was 47 minutes & 37 seconds. 


Since my call to Rushmore Loan Management Services ; I have received 2 letters ( by anonymous people ) on XX/XX/XXXX ( dated XX/XX/XXXX ) XX/XX/XXXX ( dated XX/XX/XXXX ) Threatening to buy hazard insurance on the property because according to their records there is no insurance since XX/XX/XXXX. 
They want declaration pages with an effective date of XX/XX/XXXX. 

Despite all the above has been provide to them. Theyre just displaying either gross incompetence or malicious intent or a combination of both. 

Their ( Rushmore ) response to the phone call I made to them, on XX/XX/XXXX ; after navigating their hellacious phone menu, and time on hold. 
1. Was to increase my mortgage payment, without merit.

2. Threaten to charge me for hazard insurance on the property
I am in the market shopping for a refinance to cash out on some of the equity to pay off higher interest debt and remove MIP. I want to shop lenders on the cost to close. From what I understand if lender pulls my credit report, they should be able to provide me Loan Estimate. I originally went through my current mortgage lender and received paperwork showing cost to close, etc. This offer did n't pan out due to bank later telling me they ca n't offer cash out in Texas due to not having a physical presence there. While putting my intention out for refi via lending tree, I received calls from XXXX XXXX XXXX # XXXX @ Royal United Mortgage XXXX # XXXX. After going through all the details which I believe involved running my credit, XXXX began boasting on how much he would save me. The object here is not what lenders are saving me, but what refinancing & cashing out equity with MIP would save me. XXXX provided a proposal document with offering - however it left out all pertinent lender costs. While we reviewed his document on the phone, I asked him for a breakdown of the costs. I explained I am shopping for best deal ( costs to refi ) and would like to use document such as Loan Estimate to compare. He immediately said he could n't provide the documentation because it was a government/legal document that would hold him accountable to should the market change. He sounded irritated - said he could only go over those costs on the phone.I also referenced that its the advice of the CFPD to get Loan Estimates and shop lenders for best deal .Is this one of the reasons the change happened in XXXX 2015? To hold lenders true ( as possible ) to the loan proposal against what occurs when closing? He also tried to steer me away from the topic and tried pointing me to links on the lender reviews. I responded, " how different has the rates/costs been in the last 30 days? '' I also referred to the CFPD advice on getting Loan Estimates and shopping. He ended up telling me I was n't being smart for asking for this. I hung up on him. 

Once they run your credit ( regardless of charging credit report fee or not ) and gathered all pertinent details on myself, should n't they be able to provide Loan Estimate? 

Please let me know if my understanding is mistaken around getting a Loan Estimate document from a lender.
My credit report shows a hard inquiry from  XXXX . I did not authorize this inquiry and would like it removed from my credit report  XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX  2016
Possible Data Breach Equifax has failed to respond satisfactory within 30 days on response letter dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. 

Equifax has repeatedly verified without yielding proof of verification in response letters dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. 

Equifax has failed to reply to two letters asking for proof of owner verification. 

Equifax has failed to sign for the receipt of second letter asking for proof of owner verification. In possible effort to avoid interaction. 

Equifax report has not added a line in regards to US Bankruptcy Court of Nevada dispute.
Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada was the furnisher of the information. When in fact a third-party XXXX ( who is in the information selling business ) is the furnisher of the information. Which makes this a situation of identity theft. The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. Do to the fact I was unaware of XXXX gathering my information for the transaction with Equifax. 

I am filing a complaint against Equifax for : Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX Court Case reporting inaccurate information and failing to investigate claim properly per section 611 FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Court Case reporting inaccurate information and failing to investigate claim properly per section 611 FCRA.
Documents have been filed for a small claims court case against Equifax at the XXXX XXXX Justice Court. I am seeking damages of {$1000.00}.
I XXXX XXXX XXXX certified that my Company downsized in 2012 and my hours were cut from XXXX hours to XXXX per week, and my Spouse XXXX XXXX was forced into retirement following and injury. Our Income was reduced and we filed bankruptcy, however, the medical costs and other obligations have depleted our savings. We have been made to feel like a ping-pong reaching out to so many Lenders, from XXXX to XXXX, to XXXX XXXX XXXX , to XXXX . Each time we thought we had a Loan Modification moving forward, a new Servicer pops up. Currently we are being service by FCI : Lender Service, and they are reluctant to review for a Loan Modification. 
COMES NOW, XXXX XXXX XXXX XXXX and file a Lis Pendens, with scheduled hearings, and the questions remains, just whom am I dealing with for answers?
I received a bill from XXXX XXXX XXXX dated XX/XX/2019to which my daughter called my attention. We had never seen this account, so I checked my credit and learned that this debt was for a XXXX credit card with Citibank. A couple of years ago I received a fraudulent call from someone claiming to call from Citibank for a XXXX credit card asking me for personal information and I told them I would never open a card to a retailer, especially not XXXX, and I told her that they were not to call me again because they were committing fraud. 

Since I started having a series of XXXX XXXX including XXXX, XXXX XXXX XXXX, XXXX and XXXX and XXXX XXXX XXXX, the last thing I expected to deal with was identity fraud. 

I have sent the collection agency a letter using your template and I am going to send it, again, this time through certified and registered mail just to make sure it is handled appropriately and not ignored. I need help defending myself against this fraudulent debt. I want them to cancel this and stop collection and I want to prevent any more identity theft moving forward. I also want this removed from my credit and to prevent it from causing any more damage to my family and to myself.
All 3 major credit bureaus have illegally hoarded my personal information without this consumers express written consent, pursuant to the 1974 privacy act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the fair debt collections practices act, all 3 bureaus mulishly and collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions and a host of others.
Fair Credit Reporting Act False and Misleading Practices Truth and Lending
I recently bought a XXXX and got a new number. Since then I have been repeatedly called by Navient trying to collect a debt from someone who is n't me. They do not leave a message, and hang up if I answer. They call from the numbers : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
A company named ERC is harassing me about a debt which I do not owe and never have owed to  XXXX   XXXX   XXXX . This amount was billed to me by mistake man many years ago and I just keep getting annoying and false statements asking me to pay and that I owe this. But I had disputed and won this sum against  XXXX   XXXX   XXXX  while I still had an account with them. Whatever this company ERC are still harassing me about is false information and not any amount which I owe. I do not owe this and it was a mistake and now they are reporting to all  XXXX  of my credit reports that I am in collection and they keep calling my house after late times and wanting to speak to me, this is crazy and I do n't understand why and where they have obtained my information and social security number. Can someone here help?
They have refused my service and they really have no grounds to do so. The little info I was given is very weak.
CFPB, Please accept this complaint as a formal notice that Equifax is in violation of my rights under the FCRA. I have advised this company multiple times that they are furnishing inaccurate information on my credit report. 
I disputed an account on my file being reported by XXXX XXXX XXXX XXXX with an account number of XXXX on XX/XX/XXXX ( attachment A ). Equifax received my letter on XX/XX/XXXX. I informed them that this account is no longer supposed to be reported negatively and supplied Equifax with documentation supporting my dispute ( attachment B ). This account should have NO negative payment history, and it appears this information has been updated correctly, however, Equifax is still reporting a payment status of at least 120 days or more than 4 payments past due, and this is inaccurate since all payment history is reflecting paid on time and as agreed ( attachment D ). The account number was also changed and they are reporting and inaccurate open date of XX/XX/XXXX. The original account number should be XXXX. And the accurate open date is XX/XX/XXXX and is being reported as such to TransUnion ( attachment C ).  Equifax is also reporting a high credit balance of {$2500.00}. This is inaccurate, as it is being reported to XXXX  as {$0.00}. Equifax is in complete violation of my rights as they are knowingly furnishing inaccurate information and damaging my credit worthiness.
My credit report shows VA XXXX XXXX from an original date of 2006. My wife did n't live in VA and I do n't owe this money to the state, I have mailed validation letters to the address on the credit report for VA XXXX and the post office returned it stating not able to deliver address not found. So how can they verify this and leave it on my credit report?
On XX/XX/XXXX, I deposited {$440.00} to my checking account. The last XXXX digits of my account number is XXXX. I went to the WF XXXX XXXX in XXXX, N.C. I did not have any deposit slips so I gave my ATM card to XXXX, the teller. I told XXXX that I wanted to deposit that money in my checking account. About 4 days later, while checking my online account, I could not see the {$500.00} deposit. I called the XXXX branch and told them that I made on deposit on XX/XX/2017 that was not showing up. The person on the phone directed me to go to the bank. I went to the bank and talked to the service manager. I told her what happene. She looked it up on her computer and told me that the {$500.00} was placed on a loan that my son XXXX XXXX, XXXX has with WF. I told her that account was none of my business and that I wanted my money back. She called the loan division where the check was deposited. She told me that she was instructed to write a letter on WF letterhead explaining what happened. She told me that she was advised that when they received the letter, my money would be refunded to me. That has not happend. I have received the run around from WF. Each time that I have made an inquiry, I was told to call back in 2-3 days. It has now been over 3 weeks. I want my {$440.00} back.
This is the second time XXXX has reported this to a collection agency. The previous agency rejected XXXX 's claim because the debt could not be verified, and XXXX provided no proof of what they were charging me for. 

They are attempting to collect {$470.00} on phone service I do not have -- I have been an XXXX customer since XX/XX/XXXX. XXXX has previously told me that my account was closed in XX/XX/XXXX and they are unable to access it. I do not know what this debt is for, XXXX does not know, and has not provided me or the previous collection agent any information. All they did was refer it to another collection agency. This needs to stop.
I pulled my annual credit report to find out that there was a collections on my report from a company called Capital Accounts LLC. I have no idea who this company is and I was not notified of the debt or the option to dispute it.
My account # XXXX was frozen by Citibank in XX/XX/2018. Citibank has NOT mailed the ( last ) XX/XX/2018 statement to my address on record. Why???
I completed a short sale in XX/XX/XXXX and I was informed from the independent foreclosure review that all negative reporting will be removed. The mortgage company is also still reporting a late that occurred XX/XX/XXXX that needs to be removed.
I 've been struggling to try to pay my loan due to the fact I work and go to school and is trying to get by everyday and then I ended up XXXX for traffic tickets and lobel financial repossessed my car I understand they 've been trying to contact me but how when I was XXXX and could n't do anything. They told me I could n't get my car back unless I pay the full {$7000.00} loan by XXXX XXXX! Who has that kind of money to just give out! I explained my situation and the girl kept saying because it 's a new loan it 's nothing they can do about it. I 'm pretty sure they can I was willing to make the {$680.00} I owe plus the repossession fees and still they were n't budging. People go through situations and events that we do n't ever expect to happen in our life. why ca n't they understand, I promised I would. It be late anymore and she just kept offered the repossession tow yard number. She was very rude and just hung up the phone on me and my girlfriend. She did n't allow me to speak to management and just kept saying there 's nothing she can do! Yes there 's something u can do! Let me speak to management besides hanging up on people!
My Bank ( Key Bank ) gave money to a person claiming to be me at the teller window. They said the transaction was " authenticated '' ( Bank Speak for had Proper Documentation?? ). When I discovered the error I asked for my money back. However, they were not willing to return it. The amount in question is {$940.00} ( document attached ).
O
n Frida y XX/XX/XXXX i was contacted by Account Control Technology about 3 outstanding student loans. I explained that I was in the process of consolidating all of my loans through XXXX and that I needed additional information in order to add these loans to the account. after giving me a hard time supplying the requested information, they provided me with the account numbers and the amounts of the loans ( total since they said they were unable to give me a breakdown ) I contacted XXXX about adding these 3 loans to the existing account and they emailed me a form and explained it will take a few weeks.
Today, XX/XX/XXXX i received another call from Account Control Technology. ( every time they call, they call from a local number and the line stays quiet, i have to call back only to find out who they are. If i never called back i would have never known who they are yet they can consider this a " contact '' on their records. ) On todays call i explained to the guy who answered that I had already spoken to them just this past Friday and that I already contacted the company which is doing my consolidation loan and provided them the info. I asked that they give me 2 weeks and to please refrain from calling till then. If by that time they have not resolved I would be happy to make arrangements in the meantime. The guy replied " your account is already placed for wage garnishment of 15 %, i will remove you from the call list and if we happen to have your account in 2 weeks we might be able to speak then '' i told him that there is no way they can garnish my wages without notice, there has to be a hearing or some other type of notice. he said " no ma'am, its the department of education all it takes is a flip of a switch '' I was so upset i said goodbye and hung up.
I contacted the DOE and they advised that this is not true. I explained what my intentions are and what I have done so far and she advised that what I am doing is correct and do not need to worry about this. She apologized on their behalf and notated my account.
The information that they are giving at Account Control Tech is incorrect and used to intimidate people into making payments. As per their conversation they are recording the calls.
the acct is under my SS # XXXX and the name on file is XXXX XXXX ( my married last name is XXXX ) The number they are calling me from XXXX XXXX, fl though they are in XXXX, CA. their number is XXXX the numbers that are calling me are XXXX, XXXX. my phone number they are using to reach me is XXXX XXXX
This debt is not a federally backed/guaranteed loan. It is be reported to the credit bureaus beyond XXXX years. Also it is beyond NY statute of limitations XXXX XXXX years XXXX to collect a debt. This debt has been written off/ closed by the company. But still being reported to the credit bureaus. I have never made a payment on a this debt in its history. 

XXXX A Summary of Your Rights Under the Fair Credit Reporting Act ) Consumer reporting agencies may not report outdated negative information. In mostcases, a consumer reporting agency may not report negative information that is more XXXX years old, or bankruptcies that are more than XXXX years old.
Hi I found some new information regarding my home and foreclosure process. In the XXXX County Recorders Office I noticed a RESCISSION OF NOTICE OF DEFAULT AND ELECTION TO SELL UNDER DEED OF TRUST recorded on XX/XX/XXXX Book XXXX Page XXXX. I dont know how Mr. is trying to proceed with the sale or even posting a Trustees Sale when I have not yet received a Notice of Default. How is it that they recorded a Rescission of Notice of Default but put the property on sale without Notice of Default? 
I have some concerns with servicer trying to foreclose on my home. I have sale scheduled for XX/XX/XXXX after checking some online auction sites they say my sale is active foreclosure. Im worried that Mr. Cooper my servicer will proceed with my foreclosure sale even though I have mailed out a complete loan modification packet to them. Called them and they said im under loan modification review. I know that if they do proceed with the sale they will be in violation of the California Homeowners Bill of Rights Act. 
I see they dont want to work with me and offer me absurd and unrealistic options which I can not afford and will force me to pay even more than I used to in the beginning. I can not do this. Im trying to get a loan modification, Im trying to keep my home, Im trying g to work with Mr. Cooper and the investors, Im trying to do and give them everything needed to succeed and seems like all they want to do is get rid of me and sell my home, take it away and move my family out. I want to pay my mortgage and be a good borrower but the recession has brought me to a point with my loan that fees alone have accumulated over the years with different servicers that its hard to keep up. Please hear me
I signed up for a membership at XXXX and closed my membership in XXXX 2015 & gt ; I went in person to the gym in XX/XX/XXXX to submit written notice of cancellation and to pay off any remaining balance I owed. I paid with a credit card that day in person, and have a receipt showing that payment. I also have a paper they gave me that day which states that my membership was cancelled. Several months later, XXXX 's XXXX has now changed named to " XXXX XXXX '' and is attempting to collect {$43.00} from me, claiming that I did not pay final payment. I have notified the debt collector and provided receipts as evidence of my final payment -- I also included names of the individuals at XXXX XXXX who closed my membership and accepted final payment. I sent letters to the credit collection agency, XXXX 's and my letter to XXXX 's was returned to sender. They are avoiding me and I suspect fraud. This will ruin my credit! 

I would like to file a complaint for membership cancellation fraud and fraudulent billing practices. I gave them a final payment already in XXXX 2015 and was told I owed nothing further. yet, they continue to pursue me. I have read online that this is a standard scam of XXXX 's XXXX across the country!
XX/XX/XXXX I send a letter to Naviet requesting all original documents signed by myself of my orginal loan with XXXX XXXX. A lady emailed me some papers with no original signed documents XX/XX/XXXX. The docments are not signed by me and the look fake and made up. In XX/XX/XXXX I lost my job and became XXXX. I called XXXX XXXX informed them they said I 'm ok for 12 months abd not to worry. They sold my loan with informing me. I ended up with somehow Naviet being my loan company and they charged me double the amout of my loan. My loan was for {$3700.00}. So far I 've paid {$3500.00}. I explain this to Naviet in my letter. They say I owe {$7200.00}, yet I 've paid {$3500.00}. If you look up my loan online it say I owe {$8400.00}. My loan is actually increasing. And I 've been making payments since XX/XX/XXXX. Their not providing any real documents, I never signed anything with them or anyone but XXXX XXXX. My balance should be {$190.00} with a couple of late fees. I 've sent multiple emails back requesting all documents from them and XXXX XXXX and the do n't respond. I 've called and even left messages with the lady assigned to me. I 've attempted to find my old loan the got from XXXX XXXX XXXX passed on by XXXX XXXX and they changed names and do n't have no documents.