WillisBack/dataset-financial-user-claim huggingface dataset:
This reverts back to a complaint from XXXX XXXX Case number : XXXX related to the settlement from a law suit with the federal government giving us up to a 41 % principle reduction Modification opportunity in which XXXX explained where the income they used to process our Modification of XXXX XXXX, that income information was provided by us back in XXXX. Since then my wife was forced to changed jobs as I was and our income was negatively impacted plus, the Social Security income they used was inaccurate by over a thousand dollars too high. This income for the XXXX 41 % principle reduction Modification was not provided by us in XXXX it was transferred from a XXXX Modification we had applied for. The reason we did not respond back to CFPB when we received XXXX 's response was, XXXX told us they would consider us for that 41 % principle reduction opportunity. We then started sending the required documentation and were at the final piece of documentation necessary to complete the package for review when XXXX sold our loan to Shell Point servicing a division of New Penn Financial, LLC effective XXXX/XXXX/XXXX. When we received that notice we attempted to get that final documentation sent to XXXX XXXX at XXXX, 3 times with no response from him or XXXX. Then on XXXX/XXXX/XXXX there is a Notice of Trustee Sale filed against our home at the XXXX XXXX XXXX XXXX Office with a scheduled sale date of XXXX/XXXX/XXXX by XXXX with the recorded copy mailed to XXXX XXXX in XXXX XXXX. Since the mortgage has been sold I have attempted to reach XXXX XXXX on XXXX different occasions with no call backs. ( I got the contact number on my own from searching on line! ) I have not gotten anything in the mail from them. On my first call I did get the loan number ( XXXX ) and I was told there is a sale date of XXXX/XXXX/XXXX in the file and that the loan was discharged in Bankruptcy, from the person answering/directing the calls, which is not true ... ..Only my wife filed Bankruptcy ... ..I did not file, she had personal financial issues she needed to resolve. We have not received a denial letter related to the Modification with XXXX, that was almost completed or anything except a Notice of Trustee Sale. We want to save our home and that 41 % Principle Reduction opportunity gave us that chance and now appears gone as is our home.
XXXX XXXX amount was for XXXX. XXXX XXXX took me to court ( XXXX District Court )  and case was dismissed. This account does not belong to me. I had disputed the account XXXX XXXX from my credit report and they refuse to remove it, even with the document from court that show account dismissed.
American Express offers promotions where if you make the necessary purchase they will credit your charge account with a stated sum. I routinely avail myself of these offers. In this instance I spent the required {$200.00} at XXXX and did not get the promised {$50.00} for using my Amex Serve card. .I did the same offer on my other Amex cards and got my credits within a few days. Their representatives assured me that i would get the {$50.00} credit ( all info herein is documented ) - that I needed to wait 90 days.After waiting the 90 days I resumed calling Amex to get them to fulfill their promise. Instead I ended up with their last response totally off target and making me want to pull my hair out! I have printed evidence that I enrolled my card during the proper period, spent the requisite amount during the correct dates, and an acknowledgment from Amex that confirmed all of the above. Over 120 days have passes and yet I am forced to file a complaint to get the {$50.00}. Very sad!
I received a notification via XXXX XXXX that my credit score went down so I investigated. 
OCWEN loan servicing placed a remark into my credit file that stated " foreclosure Initiated '' and my already low credit score crashed. 
I have been in a mortgage assistance program offered by the State of Connecticut ( XXXX ) for 4 years and have made every payment on time. I see in the history that there are 3 late payment within that time period but the dagger to the heart is the comment that was added between XX/XX/XXXX and XX/XX/XXXX. 
I am not in foreclosure and demand resolution. 
I was able to save my house 4 years ago and was in court ordered mediation to rectify the situation. For 6 month OCWEN 's representative lawyers fought me every step of the way but were smacked down by the judge as I was right and just in every dealing with this company. I need resolution as I an a 20 year XXXX Veteran, very recent XXXX, and am applying for a second career. Credit checks are part of that process and I am now limited to the company 's I apply to. I need help now!
XXXX XXXX XXXX said in print my account # XXXX for phone # XXXX was 'month to month ' on their billing site. Haven't had a contract in over 10 years. XX/XX/XXXX changed carrier. No place on billing site to say " stop service ''. XXXX XXXX XXXX continued to charge me a monthly fee even tho there was NO activity on my account. They sent emails, but i thought they were ads to induce me to stay a customer, as my account said it was MONTH TO MONTH. Assumed that means if you don't pay, you don't have an account. I did not realize the account was accruing monthly usage fees ( FOR NO USAGE ) until they sent a collections letter in XX/XX/XXXX. XXXX XXXX XXXX says a " pay as you go '' account is the only account stopped if the next monthly payment is not received, and that my " month to month '' account can not be stopped simply by no payment and no activity. There is NO WAY on billing page to stop service. XXXX XXXX XXXX 's service personnel confirmed that. Also said they could not get into my account b/c it had already been sent to collections. Called phone # on letter from XXXX XXXX XXXX, they gave me collections # which is GATESTONE XXXX which is connected with spurious business practices re collections. I offered Gatestone $ XXXX/month to pay off this ridiculous charge. Gatestone threatened me with immediate credit ruination if i did not pay $ 63/XXXX. XXXX XXXX XXXX uses DECEPTIVE BUSINESS PRACTICES as well as a spurious collection agency to collect these unearned fees.
I have been pushed into multiple forbearances and now that those are over, Navient refuses to offer any type of relief. I can not pay my loans without sacrificing the well-being of my family. I work two jobs to make ends meet as it is and Navient absolutely refuses to help in any way. I am on a standard repayment plan. My balance is a little over {$13000.00} and my repayment amount is over {$350.00}. My interest rate is stuck at XXXX % and has risen on multiple occasions. Navient will not lower the rate, change my term, or assist in any way. When I tell them that I can not pay, they do not care. They inform me that there is no way to get out of this loan and they will get their money. 

I am not trying to skirt my responsibilities as a borrower. I am simply burdened by mounting medical bills that are severely reducing my ability to pay. Additionally, I paid a {$100.00} fee to place my loans in forbearance in XX/XX/2016. Navient then reported my payments as more than 60 days late in XX/XX/2016. This caused my credit score to tank. This, in turn, has raised my car insurance rate, my mortgage insurance rate, and my credit card rates. I am being screwed over by Navient.
The following accounts do not belong to me : XXXX XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX # XXXX account number unlisted Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account
CHIEF EXECUTIVE OFFICER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX   Respondent XX/XX/2018, RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON CORPORATIONS CONTRACT, FOR DETERMINATION OF MEETING OF THE MINDS, FRAUD ON THE CONTRACT, AND/OR AN UNCONSCIONABLE CONTRACT AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, CONFIRMATIONS # XXXX ; # XXXX ; AND # XXXX.

Dear Mr. / Ms. CEO : I am in receipt of and conditionally accept for value ( honor ) your statement of report for XX/XX/XXXX datedXX/XX/2018. A copy of your statement of report is enclosed.

In response to statement of the report you provided, I am conditionally accepting your offer for the unverified items contained in the Confirmations # XXXX ; XXXX ; and # XXXX, upon proof of claim that : 1. PROOF OF CLAIM that Respondent show under the FCRA ANY copy of the original creditors documentation on file ( a consumer contract with my signature on it ) that you verified, and that this information is mine and is correct as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

2. PROOF OF CLAIM from your department 's documentation showing method of verification as required under Section 611 ( a ) ( 7 ).

You have ten ( 10 ) days from receipt of this Conditional Acceptance to respond on a point-by-point basis, via sworn affidavit, under your full commercial liability, signing under penalty of perjury that the facts contained therein are true, correct, complete and not misleading. Mere declarations are an insufficient response. If an extension of time is needed to properly answer, please request it in writing. Failure to respond will be deemed agreement with the facts stated in the attached Affidavit and inability to prove your claim, thereby indicating your agreement to the facts stipulated herein enclosed commercial affidavit.
XXXX XXXX 2017 Company calling itself " XXXX XXXX XXXX '' has called me > 20x offering a '' better rate ''. 

1. Have made several written complaints to the FCC- because I am on the no-call list 2. I have no debt and my credit score is XXXX - so I do not need a " better rate '' 3. Today 's call came from some XXXX  speaking nation ( could tell it was overseas ). When I requested they remove my number and not call me again- I was told to " shut up '' at least 5x. It was UNBELIEVABLE and APPALLING. 

They are calling me- this has been more than 20x and they are telling me to shut up! 

They use different phone numbers all the time- this time their number was XXXX
XXXX I have sent a copy of my orders to XXXX of my lenders. XXXX of them have deferred my loans until the orders are over. The XXXX is refusing to defer my loans saying that I do not qualify for the benefit. 

I went to XXXX XXXX School XXXX located at the time in XXXX XXXX, MI. The school is now loacted in XXXX, FL.
Coinbase, Inc ( www.coinbase.com, XXXX ) clearly states that the incoming wire transfer takes 2-3 business days to get credited. After 4 business days, contacted Coinbase support but no help from Coinbase. Today marks the 8th day and the wire transfer amount has not been credited to my account yet. Tried to contact the support by email, and XXXX but no response at all. Here is the timeline : *Amount Transferred : $ XXXX *Date Initiated : XX/XX/XXXX* *Date Completed Wire Transfer from XXXX XXXX : XX/XX/XXXX* *Name of Sending Bank : XXXX XXXX XXXX XXXX XXXX *Personal Name : XXXX XXXX *XXXX Number : XXXX *Case Opened : XX/XX/XXXX* *Coinbase Case Number : XXXX Waiting to get helped in this matter. Never ever going to use coinbase again. This has been a shear frustration!!
I am writing on behalf of my mom 's estate in regard to the very poor service with events after her passing. I called XXXX after her passing and spoke to a XXXX rep in the deceased section around XXXX/XXXX/16. I asked that the card be cancelled and the final statement be sent to us to pay. I noted our intent to pay in full at that time, even though the XXXX rep noted we were not personally obligated to pay, only the estate was. The rep noted that a statement would be sent shortly and cancelled the card. 

XXXX did not send a final statement to us until XXXX/XXXX/16, only after a follow up call to XXXX on XXXX/XXXX/16. I was upset after having received a number of debt collection calls from DMC, which XXXX uses with on closed deceased account holders. 

We subsequently learned ( XXXX XXXX - XXXX/XXXX/16 ) from XXXX that the account was written off and turned over to a collection firm ( DCM Services XXXX XXXX XXXX XXXX MN XXXX ) that XXXX uses. 

The DCM firm stared to call around XXXX/XXXX/16 leaving no messages on why they were calling. Finally DCM got thru to me on XXXX ( DCM ref # XXXX ) to explain why they were calling. I told them we had not received the proof or support of a final statement, until I had proof it we would not pay. DCM noted they would put in a request to XXXX, which did not happen. The only thing DCM sent ( XX/XX/XXXX ) was a letter asking for info on whom to contact for payment. 

I then started to get daily calls on the matter, each from different persons at DCM, each one wanted to know when we would pay up. My response was send me proof of a final statement. Finally on XX/XX/XXXX the DCM rep started to ask about my mom 's estate and her assets that could be used to settle the amount. Which was very unprofessional. I told them I was ending the call. 

I then called XXXX direct on XX/XX/XXXX the XXXX rep was very helpful and noted that XXXX did not follow thru with our initial request of XX/XX/XXXX for the final statement and they would get one out shortly. I finally received it on XX/XX/XXXX and have enclosed the final check ( # XXXX ) in the amount of {$550.00}. As I refuse to deal with DCM. Please inform DCM that the amount has been received and paid in full and they are not to call us further on the matter. 

I would like a letter from XXXX that notes receipt of the {$550.00}, no further payment is due and DCM has been advised that no further calls are to be made to us. 

I will be filing a formal complain on DCM with the CFPB and states consumer affairs departments for XXXX and XXXX where I reside on the behavior of DCM and XXXX on the matter.
This is an issue with XXXX XXXXXXXX XXXX XXXXXXXX Credit Card. 

I signed up for a promo that gave me one year to pay off purchases interest free. 

I use the online banking interface to manage my account. Nowhere in the online banking interface did they give me access to the exact dates and amounts that needed to be paid off. 

I've repeatedly asked them to send me a summary of how they applied my monthly payments, but they will not. 

I've accrued over {$1000.00} in interest charges this past month, even though I've paid enough to pay off the promo charges, but they won't provide the details of why they are charging me the interest. I've repeatedly spoken to managers/supervisors and they are rude and unhelpful. 

I am definitely going to cancel my card forever.
On XX/XX/2018 I submitted a complaint against Barclays Bank Delaware for not reporting 5 months of payments to the credit reporting agencies. I received a letter from the office of the president which basically said they have received my payments but did not explain why they were not reporting my payments. I have once again obtained a copy of my credit report and I have made two more payments to Barclays without any account update to the 3 credit bureaus. I called on XX/XX/18 and was disconnected from someone in the collection office. Then when I had called back 5 minuets later the office was magically closed. Barclays is violating my rights as a consumer and improperly reporting payments.
I paid a XXXX XXXX on XXXX XXXX. On XXXX XXXX and the XXXX respectively. XXXX hired. XXXX XXXX, XXXX and Stellar Recovery, inc. to continue to collect a debt I have already paid directly to XXXX.
Equifax , after leaving me on hold for 2 hours, simply hung up on me when I asked for a supervisor
EXPERIAN REPORTING THE ERROR XXXX XXXX XXXX XXXX Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX  lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards.

ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
US Bank failed to pay my homeowners insurance for the XX/XX/XXXX-XX/XX/XXXX year. I had to notify them that they did not pay my insurance through my escrow account. Then they send me a letter stating that they are putting in insurance on my house for the XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX. They then bill my escrow account for this insurance. I attempt to put insurance on my house for XX/XX/XXXX-XX/XX/XXXX on two separate occasions and US Bank does NOT pay the premiums so my insurance is canceled. Then they send me a letter stating that I do not have insurance on my house for XX/XX/XXXX-XX/XX/XXXX and they AGAIN put THEIR insurance on my house. They refuse to talk to me on the phone, keeping me in their queue for over three hours at a time. Now because they have insured me for last year and this year- my escrow has been doubled billed and this has created a " shortage '' which has increased my house payment over {$300.00} a month. Since they are supposed to pay my insurance from my escrow account and they failed to do this in XX/XX/XXXX, they have broken the law in Florida. Then they refused to pay my insurance for XX/XX/XXXX-XX/XX/XXXX- thus breaking the law again.
I have disputed multiple times with Trans Union XXXX inquires that is not my and in the last respond by them they are telling me that an Inquire is when a company checks your credit not wanting to do any investigation. 
1. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX
I purchased a NetSpend Prepaid Debit card at XXXX XXXX XXXX XXXX XXXX, VA XXXX on Friday XX/XX/2018 in the cash amount of XXXX dollars plus XXXX card fee. 

I get home to activate the card. NetSpend requires your Name, social security, address, makes you set up an online account with user name and password ( giving the impression that your account is active ). Once I entered my information a screen pops up stating I needed to call XXXX. So I promptly call, I speak to a lady I forget her name and she says I need to submit additional documents. They wanted a photo copy of my driver license, social security, and bank statement. I email them to XXXX. I get an email later saying that my account can not be activated because I have a closed account from four years or so ago. Mind you that they never told me why they closed my account at all. No notice was sent, and they froze the account. Fast forward, they have a term limited use which allows the person to use the card immediately to make purchases. They denied me access. I needed to pay a bill online for legal court case and I didn't have a visa debit card to pay the fee online. I had to call a family member to pay. Needless to say after three calls, they said they were sending me a paper check in the mail for XXXX. That it would take 7-10 business days. 

NetSpend aka XXXX whatever, should be shut down for illegal practices. They should be fined to XXXX and back and be required to pay restitution for holding peoples money like this. The way they trick you into activating your card and then hold your money for reasons they will not give out then that is unfair. If it is fraud related closed even more should be done, because they should be communicating to the customer what the XXXX is going on with their account. I have never seen such incompetence from a company. I will get my money back but I am hoping you will finally stand up to these wan na be bankers and set the record straight.
This complaint is being submitted by XXXX XXXX XXXX ( XXXX ) on behalf of XXXX and XXXX XXXX. This complaint pertains to Rushmore 's violation of the CFPB 's loss mitigation procedures. 
On XXXX XXXX, 2015, XXXX faxed a complete Request for Mortgage Assistance ( RMA ) to Rushmore 's Home Retention Department on behalf of XXXX and XXXX XXXX. ( Exhibit A ). Pursuant to Regulation X of the Real Estate Settlement Procedures Act ( RESPA ), a servicer must " Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. '' XXXX ( B ). 
To this date, XXXX XXXX, 2015, Rushmore has not acknowledged receipt of the XXXX ' application. It has been nine days since XXXX sent Rushmore the package ; thus, Rushmore is in violation of Regulation X.
In the early afternoon of XX/XX/2018, a company by the name of Ascension Point Recovery Services called my brother. During said phone conversation, the representative from Ascension Point ( XXXX XXXX ) told my brother I was dead  and that I had named him as the executor in my will. She tried multiple times to get my brother to " confirm '' my date of birth and the last four of my social security number so she could help him " settle my estate ''. Despite her persistence, he would not give her any information. My brother began asking her questions ; he asked about her business with me, questioned when I supposedly " died '', what he " supposed '' to pay and how much, ALL of which she refused to answer. Fearing that this company was phishing for information, he informed her that I was not dead, but very much alive and lived 8 miles down the road and he would be calling me immediately after their conversation was finished. She, XXXX, left her name, company, phone number and extension so he could call her back to " settle the estate ''. After he called and told me about the conversation, I put the company name into XXXX. I found out that this company offers debt collection services as well as estate settlements.

There is so much ethically wrong with this. I am not dead, I have not named my brother as executor on anything, and I certainly do not have an " estate to settle ''. To call family members and suggest their family member has passed away is crossing that ethical line. Had they called my XXXX year old mother, this could be a whole different situation. THIS COMPANY NEEDS TO BE STOPPED!
my mortgage is a arm loan which was never explained to me and I have been paying on this for years and my balance seems to go up. I did n't know that this is how it would come out I have killed my self to keep it there should be a law on doing this to americans