WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I have had to replace my credit card several times. The last time was because someone placed a LARGE amount of money on the card. It was taken care of and XXXX XXXX  issued me a new XXXX XXXX XXXX XXXX. 

I STRESS BEFORE I even RECEIVED the card in the mail I received an email from XXXX XXXX and it said I needed to Update my credit card and it gave me the last four digits of my NEW credit card. 

I contacted XXXX asked how they received the card number and I think they said it was given to them. I then contacted XXXX XXXX and they told that if I have a subscription the Credit card reporting companies automatically GIVE OUT the card number to those places. 

I feel I SHOULD BE THE ONLY ONE TO GIVE OUT MY NUMBER. Please STOP THIS Practice. this most likely how my card has been getting into the wrong hands. 

They also pull the credit card reports by ADDRESS and not by NAME and ADDRESS. As in My mom would get a credit report and it would have MY cards, my brothers cards my sisters card and my fathers. We would all have to say which was ours then have them remove them, At first they also used the FULL NUMBER on the credit card. NOW they always say never give out your credit card info to people you do not know. When I filed that complaint they woke up only a LITTLE they kept all the cards on the report but now they only have the last 4 digits. 

LOOK into that also to make sure they refine how the credit card report is pulled so only my moms cards are on her report. 

Look into all the credit reporting companies I do not know who handed out my info. 

I have a bigger second complaint with XXXX XXXX. I will write you on that separately. 

I did talk to a person from this site on the phone and told them what was going on they instructed me to files the complaints.
I DISPUTED SOME THINGS ON ALL OF MY REPORTS AND THEY CONTINUE TO KEEP THE WRONG INFORMATION ON THERE WITHOUT ANY EVIDENCE. IT HAS BEEN WELL OVER 30 DAYS.
We have received unsatisfactory service from XXXX XXXX ( PHH ). They have provided improper billing statements ; failed to comply with certain RESPA regulations ; failed to provide information about ownership of loan ; failed to apply proper accounting rules ; failed to properly apply payments ; failed to comply with " standard servicer duty '' pursuant to Regulation X ; failed to comply with Attorney General ( New Jersey ) Consent Order regarding Nationwide Servicing Standards.r
XXXX XXXX ATT : XXXX XXXX /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , HI XXXX RE : Case # XXXX/Wage Garnishment To Whom it may concern, To date I have not received any documentation in regards to said debt that you are currently seeking wages for in the amount of {$4000.00}. My employer has allowed one deduction as I was completely unaware of garnishment. They will not be deducting any future pay checks as I formally submitted a dispute with possible fraud with corporate so you will not receive any further garnishment. I have also mailed a dispute to the Hawaii Small Claims courts. 
Ive searched Public records and was able to locate case that way, Im still unaware of what debt is for as there are no details. I would like to request the court order and proof of original debt. 
I am formally disputing debt and garnishment as I have not been served or on the island to even possibly show up to court to dispute anything in person for the last 2 + years. I was completely unaware of garnishment until XX/XX/2018. I request you provide proof of said debt and court order via email XXXX or to my mailing address of XXXX XXXX XXXX XXXX, HI XXXX. 

On XX/XX/XXXX a garnishment in the amounting of XXXX was taken from payroll was forced to resign due to unknown garnishment. 

Also " XXXX XXXX XXXX " is a dba for XXXX XXXX XXXX which is also a previous employer I feel it is a conflict of interest for agency to have even handled case due the fact they would have more privileged information then other collections agencies.
XXXX transferred the servicing of my mortgage loan to Selene Finance, effective XXXX XXXX, 2015. I immediately started receiving statements where they had added in all types of extra fees and charges. I tried calling Selene Finance to discuss my mortgage and have had a difficult time reaching anyone. When I finally did reach someone, I was told that they could not discuss anything with me because XXXX had not sent them all my paperwork. This is outrageous. Selene Finance has possibly the worst customer service of any company I have ever deal with. The phone is always busy when you call, many times you 're placed on hold and the call gets disconnected. I have read horror stories on the internet of other homeowner 's experiences dealing with Selene Finance. I 'm shocked that this company is allowed to do business. In addition to this complaint, I 'm also filing XXXX with the XXXX Attorney General, the XXXX Department of Banking and the XXXX Department of Banking.
On XXXX XXXX I performed a mobile deposit of a {$500.00} money order into my Wells Fargo account. The money order was XXXX legit and not fraudulent, but for some reason Wells Fargo considered it fake and a few days later issued a return on the {$500.00} money order deposit. I thought that was unusual because, as I said before, I knew the money order was real and I had the receipt the prove it. In fact, after Wells Fargo denied the deposit of the {$500.00} money order, I was forced to deposit it into another checking account at another institution and I faced no issue whatsoever. 

After a few days a bill I tried to pay through my Wells Fargo account was denied. I called in and was told that there was a " hard hold '' on my account because of this {$500.00} money order that Wells Fargo thought was fraudulent. I explained to the rep on the phone that it was real, I had the documentation, and I would like a way to get my account unlocked because I had bills to pay. They were extremely unhelpful and told me the only thing I could do was wait and call back in 48 hours for a resolution. 

Well today marked about 72 hours since that call. I called back and was transferred to Loss Prevention and told the same thing - my check was fraudulent ( even though its not ), my account was on a hold, oh and now it might be closed and I would be barred from banking with Wells Fargo ever again. 

I have been a customer of Wells Fargo for about 20 years. I had an account opened when I was a pre-teen back when it was known as Wachovia. I have several mortgages through Wells Fargo, and I have been a loyal customer. I have NEVER done anything fraudulent with my account, and I am XXXX certain this money order is not fraudulent. To be told that my account is going to be closed over an incorrect assumption on Wells Fargo 's part is infuriating, and terrible service to be quite honest. I am being treated like a criminal and at risk of having this account ( which I a co-signed on with another person ) closed down. This is the account I use to pay my mortgage from! Why on earth would I deposit a fraudulent check? 

I have received no help. For the most part I just want to get in touch with whoever is actually handling this case of mine so I can send them directly the receipt I have to prove this money order is real. I do n't want to sit back and wait and just all of a sudden find out my account is closed, all the while not having access to more than {$5000.00} of MY money. 

I want this resolved now.
After a year of help from a non profit organization I was filially giving a modification on my montage, after all three trial mod payments were made in a timely fashion the bank denied the modification. There reason was lack of paper work despite serval communications that we had wi th the mortgage specialist. I am putting in a complaint because I feel I did everything they asked of me and was  still denied
My house had a flood. My flood insurance company wrote an advanced check for immidiate mitigation so i could afford to get the wet carpet and walls out. The check was written out to me AND the mortgage company. I never signed the back of it. I mailed it to my mortgage company with a sticky note asking them to sign the back and mail it back to me. I left my phone number if they had any questions to call me.. They told me the check was lost or written out wrong. ( it was written out to greentree, who was bought out by ditech. My mortgage broker said it was fine to have it written out to greentree ) I called flood insurance company and told them to cancel check and write a new one ( with ditech name on it this time ) I called ditech back and heard that my last payment was the amount of the advancement my flood insurance company wrote out to ME! I talked to someone else who told me it was MY FAULT for not calling ditech before sending the check and that I mailed it to the wrong processing department. They put the money towards my mortgage account and totally mishandled my money!! Now I 'm going to be charged a {$25.00} fee for THEIR mistake when that check is cancelled and bounces. Without my signature on the back, how were they even able to process it? I know my bank would tell me they need EVERYONE 'S signature in order to process it. Is n't this fraud? Did they forge my signature? How am I supposed to trust a company like this with further flood insurname checks?
XX/XX/2018 Lender XXXX XXXX Loan Officer XXXX XXXX NMLS # XXXX did not disclose the charging of 1 % of Loan Amount ( Points ) prior to settlement of loan closing. He failed to disclose the rate 3.875 % was based on the paying of said point ( {$13000.00} ). We questioned XXXX XXXX about the paying of point, he replied " this was standard, and it was to late in the loan process to change. '' XXXX XXXX never mentioned the applying of point to obtain the loan rate of 3.875 %, nor did he offer to withdraw it when ask after we realized what he had done.
My student loans were transferred to a new service provider in the beginning of  XXXX . My original provider was Mohela. My loan was transferred to  XXXX . I made my regular payment at the end of  XXXX  and it was withdrawn from my checking account on  XXXX   XXXX .  XXXX  ha s no record of this payment and now I am being shown as being 30 days delinquent on my loan. I contacted Mohela- initially they were able to find my payment and they indicated that it would be sent over to the new provider. I called back a week later, they noted they cant find my payment at all. They asked for me to send proof of payment. I sent the proof from my checking account statement. A week later, still no   response or transfer of my payment. I am now being told that  it will take 60-90 days for my payment to be transferred.
The company is XXXX XXXX. I have an account and they continuously call from an unavailable number. I finally answered and told them to stop and they admitted the robocalls show up as unavailable but they do nothing about it.
My son 's Wells Fargo Student Loan went into default without contacting me. I have asked for all the loan documents but they just send me a copy of a copy of the loan request and some bills they said they sent. I have asked for all of the paperwork and documentation but they do n't send anything with who the loan Officer was or where it was done. I am totally XXXX out and confused on this since they say it 's default yet I 've been paying but they said they changed the account number and it is for $ 15,000+ dollars but they loan should be for like {$5000.00}. I think they rolled an additional loan on to an old one. Now my credit is shot and I 'm still paying. Why wo n't they send all the documentation or help? I have asked and asked but the give the same answer. It is so sketchy, if it is really legitimate why not send what I 'm asking for? I would n't mess up my credit like this ever. I just got a regular loan bill in the mail, it 's like they 're trying confuse me by sending different letters from different people days apart and still the bill that shows a payment of $ 10.+ due.
Allegedly XXXX claims they have sent me notifications in the mail about a debt that happened 9 years ago, I have n't received such notifications. They have started calling me while I am at work. Once on XX/XX/2017 at XXXX EST and once on XX/XX/2017 XXXX EST. I then called back and asked if they would stop calling me until after XXXX, the woman on the phone was persistent about the debt, and would n't let me speak. Things escalated and the conversation was getting heated until I pleaded that they contact me after XXXX, she rudely agreed to and sarcastically wished me a nice day. 

I am concerned they have my work number and not just my cell phone number. I want this to stop before it turns into full on harassment. I intend on sending a cease and desist letter that states my rights under the fair debt collection practices act.
Keep get called repeatedly that they need to speak to me concerning a business matter and they have all my information social security number and date of birth and my location Ive never gave this company my information and dont have any outstanding debt and only have a debit card.So they continue to harass me and I feel its a violation of my rights because I dont know this business and they are making false claims against me and would pursue legal action regarding this matter.
I have been attempting to modify my mortgage with AmeriHome Mortgage Company for over a month now. The denial reason the company provided was unclear title. When discussing this reason with AmeriHome customer service representatives ; including several in their Loss Mitigation Dept, I was informed that a {$1000.00} debt is owed to the City of XXXX from years prior to me purchasing or taking possession of the home. It was determined by AmeriHome representatives and by XXXX XXXX XXXX XXXX that the debt belongs to the previous home owner ; however, AmeriHome still will not modify my mortgage. I even sent AmeriHome information from the XXXX County Recorder of Deeds that shows there are no liens on the property. Ive called the company at least a dozen times to request the modification and even emailed them. All I am ever told is that someone will call me back ; which never happens.
In XX/XX/2005, I co-signed on a loan that my mother was taking out for my education but I was only XXXX at the time of signing the document. That is not a legal age for signing a document. I have spoken to Navient over the last 10 years explaining that to them. They stated that I am still responsible. In addition, my mother as the borrower has struggled to pay back those loans and Navient has harrasssed us and forced us into forbearance a number of times. Now the two loans we received at XXXX each are now at XXXX each and are sitting in my credit as charge offs. I cant buy a house now and I think its unfair that I am responsible for a loan that I never could legally co-sign.
Since XX/XX/XXXX I have been disputing information reported by XXXX XXXX XXXX and Equifax, XXXX, and XXXX for which they claim My account was charged off {$1100.00} on XX/XX/XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX  claims this account was sold to XXXX XXXX XXXX and refuses to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of the debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX sent me a copy of a bill statement. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
Convergent Outsourcing ran my credit report without my permission. I have never heard of Convergent Outsourcing before nor have I ever done business with them. They are flagrantly violating the Fair Debt Collections Practices Act with their illegal and deceptive debt collection tactics. I do n't want any communication written, telephone, or any other method from Convergent Outsourcing.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. It 's been shown that their site to determine whether or not an individual has been impacted is randomly generated. So currently, since I am not able to properly enroll with the site for several more days, there is no actual way for me to know if my information was stolen.
I have asked Collection Consultants to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
1 ) I never gave my permission to be added as an authorized user to the XXXX XXXX XXXX Card that is on my report. 
2 ) XXXX  and TransUnion are reporting that I am 60 days past due on an account that should not be reporting but also has a {$0.00} balance and {$0.00} past due. 
3 ) I have tried to dispute this and have this removed from my report because it is not my card and I am not late on it.
XXXX XXXX calls all morning, noon, evening and night, and they refuse to stop calling. Their calls are interfering with my employment, and I can not drive down the street without them calling. They are very aggressive. I blocked the numbers that they call from, and they will call from a different number. They are stalking, and harassing me, and refuse to stop the calls. They know I am blocking their calls. Which is why they call from a different number.
I received my monthly statement for the billing cycle that closed XX/XX/18. Upon opening the statement I noticed that I had been billed a {$19.00} annual fee. I contacted FNBO on XX/XX/18 and asked for the fee to be waived or for them to close the account and waive the fee. I was told that even if I closed the account I would be responsible for the fee. I asked for a supervisor and was told the same thing.
Dear CFPB, This complaint is regarding Rushmore Loan Management Services, LLC. This is in regards to my mortgage being incorrectly placed in default for false reporting and misapplication of payments on behalf of Rushmore Loan Management Services, LLC.
I have made so many attempts to fix this issue by phone and in writing. But, when I have tried to correct Rushmore 's errors it has caused more severe and additional issues such as incorrect reporting to credit bureaus. 

I now believe I 'm being targeted by this company. I believe this company is trying to steal my house and fraudulently file default mortgage insurance. I believe I have been targeted due to numerous false reporting regarding my loan to a Bankruptcy Trustee and Bankruptcy court and the credit bureaus. 

I received a letter from Rushmore dated XXXX/XXXX/XXXX. Rushmore is stating that I 'm contractually due for my XXXX payment. They have also assessed my mortgage loan with incorrect late charges for both XXXX XXXX and XXXX XXXX. I have provided CFPB with all proof of payment and have provided proof of payment for every month from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. They still are stating that I did n't pay a payment. XXXX, I spoke with XXXX which states is a Supervisor with Rushmore Bankruptcy department. During the conversation with XXXX, he stated that I did n't make a payment in XXXX XXXX. Rushmore is now trying to collect on a date that was prior to them receiving the servicing of the mortgage loan. 

I called XXXX XXXX XXXX and spoke with there customer service in Bankruptcy and they confirmed for me during the phone call that I was current and reported as current at time of transfer of the loan. 

I 'm providing you Rushmore 's letter dated XXXX/XXXX/XXXX which states I 'm due for XXXX. I 'm also providing you with Rushmore 's payment history for XXXX XXXX and XXXX XXXX assessing me falsely with late charges. I 'm providing proof of payment and the CERTIFIED and SIGNED mail from Rushmore. Rushmore received payment prior to the XXXX due date. But, they still assessed me with late charges and noted me as late. They have also reported me as late to credit bureaus, 60 DAYS LATE. 

I 'm requesting for Rushmore to take my loan out of default. I 'm also requesting the remove their false late charges of my mortgage loan. I 'm also requesting they report correctly to the credit bureaus. Please also stop the fraud and targeting me. I believe they have placed me in default to fraudulently collect on mortgage default insurance. 

Please report this to an appropriate agency for investigation of these fraudulent practices. 

Thanks, XXXX XXXX
On Saturday XXXX XXXX 2015 I received letter from collection agency that I owe {$130.00} to XXXX. I did not received any warnings from XXXX regarding any financial responsibility. 
On the following Monday I called them XXXX times, I spoke with XXXX representatives and manager. I was told that my balance is {$0.00} and I did not hear any apologies. 
On Wednesday I received letter from XXXX stating that my balance is {$0.00}.
I contacted Equifax on fraud, they " investigated '' and came back to say they are legitimate. Even though I uploaded the attached that clearly states they are fraud.
Filed a complaint with XXXX consumer affairs. According to Consumer Affairs Professional Credit Services, they are not license in the state of New York. They continue to add $ 1-2 dollars to the balance every month. This collection was also included in my discharge bankruptcy.
XXXX XXXX XXXX. They call me and my mother several times a day. And I have reason to believe that one of their representatives may have called my job yesterday looking for me. My supervisor answered and told me that it was a woman looking for me and said that it was " personal. '' She did not leave a name or a means of contacting her back. I checked with my family and it was none of them. By the time I went to answer the call, she had hung up. None of my other creditors have called for me at work before. But XXXX XXXX sent my debt to this XXXX XXXX and now I've received a call at work? I am suspicious that they were the ones who called me yesterday as no one else ( personal or business ) would have called my job looking for me when they have my cell phone number. I am issuing this complaint in the hopes that no more calls be sent to my place of work.
I sent a letter of Validation on XX/XX/XXXX I have not received any response from this company. I have attached the certified letter that they received on XX/XX/XXXX. I also fax and e-mailed this company the same letter that is attached with still no response. This company should not be allowed to report information on my husband and my credit that has not been validated.