WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX in XXXX, XXXX, said they could help me reduce my mortgage payment considerably, lowering the interest rate and possibly eliminating behind payments via a Loan Modification. For over a year, their promises of assistance were wavering. They had me to file what they said would be " fake '' bankruptcies, and they would only be on my credit for two or three weeks. Definitely, this was false. I paid them {$4000.00} and they totally mislead me. 

I tried to contact them several times and discovered they were out of business. They scammed ppmany people out of thousands of dollars. ( XXXX XXXX-ADDRESS IS AT THE BOTTOM OF THE PAGE ) ______________________________________________________ Rushmore Loan Management Services XXXX XXXX XXXX, XXXX XXXX RLMS is charging exorbitant interest on the home loan, which was supposed to be a Loan modification. ( {$150.00} for the principal and {$1200.00} for interest. I am a retired XXXX on a very strict budget, and I am also a widow. I need a reduction in my mortgage payment. 
_____________________________________________________________ XXXX XXXX, Director XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
1-On XX/XX/XXXX i opened a bank account with Chase Bank 2-As i was managing my account on line a pop up appeared suggesting i apply for a credit card with chase.

3- The pop up made it clear that my application will not affect my credit score ( i am attaching their pages as it appears and as it prints out attachments A1 and A2 ). Which implicitly meant hard inquiry will not appear on my credit report ) 4- Immediately my XXXX monitor reported that i had made a hard inquiry and that my score dropped 4 points due to this inquiry.

5- I immediately sent chase and email explaining them the situation and asking them to remove the hard inquiry. they answered in 2 days saying they ca n't do it and i have to contact another department 6- I sent chase a letter on XX/XX/XXXX about the issue requesting them to delete that hard inquiry ( see attachment A3 ... ). they answered with a letter to send more information about the issue. 
7- I sent a letter to XXXX on XX/XX/XXXX ( A4.. ) of the incident and other incidents asking them to delete that hard inquiry especially that my written and or verbal consent is required as per the stipulations of the law.

8-Received letter from XXXX that though companies do not have my written or verbal consent they still can report a hard inquiry and i should object with your office. 
9- I sent chase second letter attachment A5 ) with more info.

10- Chase sent letter ( attachment A6 ) refusing to remove the inquiry.
I had a position in XXXX with XXXX ( XXXX, XXXX. XX/XX/2019 - XXXX, MA, USA ) I sold the XXXX  and converted them to USDC for remittance to my bank account with XXXX XXXX  in XXXX. 
XXXX transferred the funds to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) to make the transfer to me. 
Circle require verification of destination account and for this asked me to make a transfer of US {$5.00} to their account with some unknown bank ( XXXX XXXX in XXXX XXXX The XXXX code they provided for XXXX XXXX ( XXXX ) is wrong/does not exist and my bank can not make the transfer to verify my account. 
I informed them about this and they asked me to try some other XXXX codes all of which did not work either. 

Circle are basically washing their hands and I can not receive my money.
I had a personal Fine Art business called XXXX. I started this business in XXXX and by fall of XXXX it was still loosing money and I initiated a consultation to consider bankruptcy. I decided to file for bankruptcy and was told that the filing would stay on my credit report for seven years. For the past seven years I have had to pay higher rates on everything and have been patiently waiting for the 7years to pass so I can get my credit score back in good standing. I signed up with a credit reporting agency this past fall to review my credit score and correct anything that was wrong and make any other changes necessary. I requested that some items be investigated and received the Trans Union investigation results stating that my Chapter XXXX bankruptcy filed on XXXX/XXXX/XXXX will not be removed until XXXX. This is a complete surprise and not what I was initially told. What can be done about this? I may have sought other avenues had I known that this bankruptcy would stay on my credit report for a full 10 years. Either I was given wrong information or the decision changed recently in which case I do n't feel that it should apply to me. Please advise.
I have been paying my private student loan since 2011 at about {$600.00} a month. My private student loan is still the same amount, since I left college ( {$120000.00} ) because I have only been paying the interest down. My loan payment is soon going to increase to over {$1000.00} a month and I can not afford that option. I am also interested at going back to school so I can make more money to pay this student loan down, however I do not have the option to put the loan on deferment.
My loan was paid in full on the XXXX of XXXX XXXX I was told it takes 21 business day to have my escrow account balance mailed to me. I waited until the Week of XXXX XXXX and when I had not received it I called Mountain West Financial to see if they mailed it to the old or new address. They had mailed it to my old address so I asked the gentleman on the phone to please cancel that check and reissue it to me at my new address. I was told this process will take 48 hours and my check will be reissued then. I wailed until XXXX XXXX and called again when I did not receive my check and was told by the young woman that my check had never been reissued and they would put a rush on it and have it out to me in 48 hours. I waited until XXXX XXXX and still did not receive my check when I called they said that it takes 15 days from when I asked for the canceled check and that they could not send it to me any earlier than the XXXX of my. When I asked for a supervisor I spoke with a woman who said that it is not their fault that they had miss informed me and that the can not send me my money any earlier than the XXXX. I feel like I was lied to about time lines and that they are being deliberately deceptive in their process for reimbursements.
I had checked XXXX on XXXX XXXX as I prefer to stay on top of my reports and I also checked on XXXX XXXX to find over XXXX inquiries that I did n't authorize. Nor is my signature on the inquiries. I only authorized XXXX I had called and spoke to numerous reps who just assume hang up on you or tell you repeatedly that they can not help you with the Inquires but also tell me no one was affected by the glitch when it was on all news channels even with proof in hand and they flat out refuse to connect you to a supervisor or anyone in the American offices to handle this matter per my request After 35+calls I gave up .None of the reps were remotely helpful or even knowledgeable some knew and some were quite belligerent and knew of the issue but just said sucks to be you
B of A is showing a home equity line of credit as still open on my XXXX and XXXX credit reports. that account ( XXXX ) was closed 7 years ago. It also shows that it was included in BK, which it was not. It should fall off of my credit profile in the next few months ... ...
Wells Fargo Bank paid XXXX transactions while my checking account was overdrawn over the course of 4 days : charging {$170.00}, then refused to negotiate any courtesy waivers. I closed the account and later opened another. When I explained my situation, the branch manager was sympathetic and assured me that she would help me avoid a similar experience. Wells Fargo later seized the funds from this account toward fees charged on the other account. Then the bank proceeded to overdraw the account by charging fees the following month.
I over-payed my card and I requested a credit card balance transfer on XXXX/XXXX/2016. American Express told me the credit transaction will be completed in 5-7 days. After 7 business days, I still have not gotten my over-payment transferred, and the customer representative has no solution but keep telling me to wait 48 hours.
To Whom It May Concern, The reason for me filing this complaint is due to XXXX XXXX XXXX failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA
Good morning, this is my third time trying to solve this issue with XXXX and XXXX  they have to be the two worst company on this planet, they are irresponsible, arrogant, do n't care about customers, they take their time to respond to customers.
They are reporting inquiries on my credit report which I never applied for any product, I have a vehicle so I do n't need a car loan and I will like to know why I have more than 20 inquiries less than a month that is unfair and I need justice. please help me to sue these companies. please help they are ruining my credit.
On XX/XX/XXXX at XXXX XXXX I received a call from XXXX. The recorded message stated that there was a legal complaint against me and saying they were " retained '' to serve me documents at home or work. The call instructed me to hit a number to speak with someone or call XXXX. I hit a key but the line hung up on me anyways. 

On XX/XX/XXXX at XXXX XXXX I called the XXXX and spoke with XXXX XXXX. He told me that I have an unpaid Bank of America card from XXXX. After reviewing my info, he said the last four digits of the social security number was wrong. He said he would remove my number. 

On XX/XX/XXXX at XXXX XXXX  I received another call from XXXX. I didn't have time to call back at that time and hitting a key still hung up on me. 

On XX/XX/XXXX at XXXX XXXX, my almost XXXX year old mother, who is a XXXX patient, got the same recording I did saying I was going to be served with papers. She took a screen shot of the message, which the XXXX voicemail transcribed, and sent it to me with a text saying she thought I was going to be served with papers. 

On XX/XX/XXXX at XXXX XXXX I called the XXXX number and asked for a manager. I was transferred to a XXXX XXXX ( pronounced XXXX ). She stated that she was head of the arbitration department. She told me that the social on the account was mine. She also said that my mom ( the XXXX patient ) would need to call in if she wanted her number removed. I told her the name of the employee I spoke with previously and asked her to review my ssn with him as he confirmed it was not mine. Throughout this entire call she continuously interrupted me to tell me that they weren't going to help, that it was my bill, and I need to handle it. I tried to tell her I asked for all the details to file fraud the previous day but she continued to speak over me and refused to assist, then hung up. Note : I swore an awful lot during this call. XXXX was very rude and telling me you're going to continue to call my mother when you know the bill is not mine is something that takes me right past angry into furious. Please listen to the call with employee XXXX XXXX ( previous day ) or with XXXX ( don't know her last name, on XX/XX/XXXX ). 

After XXXX hung up on me, I called every number I had for the company ( there is a LOT of phone numbers for them online ) but kept getting hung up on when I would ask for a mailing address for the company. Finally, more than a dozen calls later, I got XXXX. XXXX was lovely. She said their mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. She says they have four locations. One in Georgia, one in Massachusetts, one in Texas and one in Indiana. She confirmed that around the time that XXXX hung up on me, my number and my mother 's number was removed and a note was put on the account that the social security number was wrong ( keep in mind that XXXX told me it was my social!!! ). 

I am attaching the screen shot of the message my mother received in her voicemail.
In XXXX a valid debt was charged off from XXXX XXXX XXXX XXXX XXXX. I paid this in a settlement in XXXX over the phone to a collection agency. 

I contested this still being on my credit report in XXXX XXXX. I received a settlement letter on XXXX/XXXX/XXXX from XXXX XXXX XXXX on behalf of XXXX XXXX Bank. When I called XXXX on XXXX/XXXX/XXXX to say I had already settled this back in XXXX, but in the interest of settlement, I was willing to pay it again if I could be ensured it would be reflected properly on my credit report, they directed me to call Galaxy International Purchasing LLC ( XXXX ) to ensure it would reflect properly upon payment. After repeated calls, I finally got through to Galaxy on XXXX/XXXX/XXXX and explained the situation. They told me to call XXXX XXXX Bank ( XXXX ) as they have nothing to do with my credit report. 

I called XXXX XXXX Bank, after verifying my information and that it was in concern to a debt patched me through to some other company of which I did n't get their name due to a language barrier. The lady I spoke with told me to disregard the letter I received on XXXX from XXXX, despite XXXX telling me they were representing XXXX XXXX and that I had 60 days to accept their settlement offer. I was told XXXX XXXX has no record of them or Galaxy handling this account and that I should work through XXXX XXXX ( XXXX XXXX, a company I 've never received anything from. 

I have called XXXX XXXX and have n't been able to get through to them. When searching XXXX 's number it comes up as XXXX XXXX XXXX XXXX All of these companies, XXXX XXXX XXXX XXXX, Galaxy, they all have slews of scam warnings and complaints online for shady practices. 

This same thing happened in XXXX and my settlement payment was lost in the mix. This has already been paid off once and I fear that if I pay anyone in this matter it will only get lost again, especially since they all seem to think I can pay them and no one else. I want this account deleted from my credit report as it was paid XXXX years ago and I 'm being scammed in an endless loop of calling other scammy businesses.
After being accepted for a loan modification I was instructed to make payments directly to BB & T Lost Midigation Dept NOT my regular Mortgage Dept. Asking the loan dept why my payments were not showing up on my statements I was told they knew about the modifacation and not to worry. So far disputes with the bank and breaus has had no effect. XXXX, FL XXXX Home phone XXXX S.S. # XXXX BB & T Mortgage : # XXXX
I have a First National Bank ( First Card ) XXXX  XXXX credit card. My XX/XX/XXXX statement showed a {$59.00} annual fee. I called customer service on XX/XX/XXXX and told them to cancel the card as I was not interested in paying a {$59.00} annual fee to keep the card active. They said that they would cancel the card but that I would still owe the {$59.00} annual fee. I do not understand how that can be possible when I am cancelling the card. They said it is their policy that once charged, it can not be waived. Supervisor XXXX confirmed this policy. They claimed I was notified of this in my XX/XX/XXXX statement. I had NO activity during XX/XX/XXXX and did NOT receive an XX/XX/XXXX statement, nor does one appear on my " on line '' account. No XX/XX/XXXX statement  was generated, so I was not notified of their unreasonable policy prior to being charged. She could not explain that flaw in their system. The credit card was cancelled on XX/XX/XXXXbut they insist on leaving the annual fee on my account. In my many years of using credit cards, I have never had to pay an annual fee when cancelling a credit card within 24 hours of the fee being charged to my account without notice or approval.
My mortgage servicer Bank of America ( BoA ) appears to be breaking the law, possibly in collusion with mortgage holder XXXX XXXX, and a local law firm, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) and has I believe, institutionalized this practice. BoA is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX ( the Dodd-Frank Act ) amended the Real Estate Settlement Procedures Act ( RESPA ) of XXXX, which is implemented by Regulation X with regard to the servicing of certain mortgages, specifically the Dual Tracking Guidelines. They have apparently made this part of their Standard Operating Procedure as they repeated the identical process 2 months in a row in their dealings with me. Over the last XXXX months, BoA twice offered me a Loan Modification Application on my mortgage for my primary residence while simultaneously listing my home for sale by XXXX advertising it in local newspapers and sending me legal Notices of Sale. Both times, the actual Sale Notice dates were prior to the stated Application Deadlines - see uploaded correspondence/date summary below. During the second instance prior to sale date XXXX XXXX, I had completed my application by submitting all requested materials by early XXXX, however BoA representatives continued to request from me things that : ( a ) I had previously submitted, ( b ) turned out to be wrong ( wrongly described by their representatives ), or ( c ) things they knew I could not supply and were not in my control, resulting in my home foreclosure sale becoming inevitable unless we declared bankruptcy ( see below ). On XXXX XXXX when I submitted the final piece of information requested, my application should have been considered complete ; instead, on XXXX XXXX, just 6 days before my foreclosure sale, a new piece of information that BoA knew was not available and not in my control was requested and when I could n't produce it, BoA consciously declined to stop the foreclosure sale. Hence they violated section 12.4.3 of Regulation X. 

During this period I notified BoA of this violation of CFPB Guidelines, both verbally to their representatives and in writing. While their representatives clearly understood what I said, they were oblivious to my objections and my written complaints also went unanswered - see uploaded correspondence. 

Obviously I think this is unfair, but am relieved to know there 's actually a CFPB Regulation that protects consumers against this practice - hence this complaint. So either I misunderstand this law or BoA is systemically ignoring it ... it 's not clear to me if XXXX XXXX and XXXX are also a part of this, since BoA controls the process. My concern is both for myself and for BoA 's thousands of other customers who may be losing their homes, unaware a law ( s ) may have actually been broken. 


Since my narrative exceeds the space available on the CFPB website, the full text of my complaint can be found on my uploaded documents.
XXXX XXXX is an account that has been closed. It was sold and re aged to XXXX XXXX. I never had a contract or account with them. I asked them to remove the matter or supply legal proof saying I owe them but they will not. I do n't accept company letterhead saying I owe you. XXXX XXXX also sold this account to XXXX a collection agency which sewed me. I had to pay XXXX dollars to a lawyer!. I won my lawsuit. They did n't have no proof I owe them and they took XXXX off the report. XXXX XXXX still would n't removed it. They are performing illegal acts against me and towards my credit which has stopped me from obtaining new credit because of this delinquent account. I would appreciate help with this matter.
Realtime Resolutions is reporting a Duplicate Loan From XXXX XXXX XXXX. I have contacted and filed a complaint against XXXX XXXX XXXX for the same loan. My records indicate that my last payment was over 7 years however they are still reporting this account.
I opened a checking account at Bank of America and applied for a Visa Debit Check Card. I received a temporary card that is misplaced or even stolen. I need to file this complaint to assure that no fraudulent activities occurred on the missing temporary Visa Check Card.
For the last six months XXXX XXXX owned credit reporting agency, TransUnion has refused to fix an erroneous entry on my credit report. 

Worse - they wont even permit me to submit proof of not owing this debt. 

For six months they have knowingly and intentionally added to this debt as well - every single month. 

So, not only is the information entirely fraudulent, the amount is perpetually climbing from one month to the next with no supporting evidence or explaination.
I took out Private Student Loans to assist with financing my schooling in XXXX XXXX at XXXX. I did not do my due diligence on these loans and research them beyond what I was told by the Customer Service Representatives that " sold '' me the loans. I was warned that I would never be able to include these in a bankruptcy up front because they are student loans, but that I would be able to consolidate them to a 1 % interest rate with all my other ( federal ) student loans, a program that was available at the time I took out the loans. I did attempt consolidation and discovered that I was intentionally misinformed. For years I tried to work with them on repayment and dealing with the exorbitant interest charges. I was told to go to Payday loan lenders and I did, I was told to just defer and eventually I would be able to afford. I believe the debt I owe has more than tripled. My credit is destroyed and ultimately I recognize it was because I did n't pay close attention to the fine print and question the lender thoroughly. I am a victim of predatory lending. I stopped answering their calls and I stopped paying for deferments that rolled the interest into the principal and I did my best to get educated on these types of loans and finances. I have sought out legal counsel but the typical response is a willingness to research, but not to lock horns with XXXX XXXX/ Navient. I have been told that I can be represented by defense attorneys when they file suit and start attempting to garnish my wages. I owe them most certainly, but I am in a situation that if I would make their interest payment for the next thirty years I would still never be able to repay the loans. With my credit the way it has become I can not own a home, cars are financed as " special needs '', and my wife and I receive up to 10 calls a day from Navient 's collections and we have blocked the numbers so they do n't ring through to our phones.
I 'm a victim of ID Theft from 2012. Sent new fraudulent acct. info to Experian for blocking and they refused to block the account based on the fact that my original police report was done online. They 're stating that the ONLY WAY they will block the account is if I have the police dept ( out of state ) sign page 5 of the FTC Affidavit. I explained the difficulty and getting this report from 4 years ago signed by an out of state officer and reminded them ( Experian ) that they 'd blocked previous fraudulent accounts on my credit report w/o the officer 's signature. This defeats the purpose of the police department 's intent to generate full, signed reports for these type crimes.
I contacted XXXX  XXXX via telephone on XX/XX/XXXX and by mailing a dispute letter to this company requesting a reasonable investigation regarding a negative account from XXXX that they are reporting in my credit file which the Co. ignored on or about XX/XX/XXXX. 

Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$220.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX