WillisBack/dataset-financial-user-claim huggingface dataset:
Beginning XXXX, Rushmore Service Center LLC started harassing my workplace, my co-workers and my Supervisors. I work only a few days a month at my workplace and do not even live in XXXX XXXX SD. When the process server came to the business they showed the paperwork to our guards with personal information regarding me. They then refused to leave when told I could not come out or was not there. They followed and questioned co-workers about me and my schedule. Then a week ago they started harassing my Daughter at her apartment. They left a postcard in her door and today the taped a postcard to her apartment entry main lobby for everyone to see. Not in an envelope and had my name and her apartment # on it. I contacted the Atty General for South Dakota, XXXX XXXX and he instructed me to contact the FTC/complaint file/and to contact you. They are locating my children using XXXX and XXXX and they gather all of my children 's info, their spouse info/ssn # 's/phone # 's/neighbors # 's and cousin 's information including ssn # 's. 
They were told by my Attorney XXXX XXXX, XXXX SD, that they had to contact him and only him but they do not listen and now have released private information to my family, co-workers, guards at my work and Supervisor. I do not know what they want or are trying to collect. My spouse has XXXX and has medicare. I only work 2 days a week and travel to do that. It uses everything I make to keep coverage of health insurance at work. They were told 2 days ago by my Daughter that they have the wrong address and still posted a postcard with all of my information today in her entryway. At least XXXX people would have seen it today.
On X/XX/17 XXXX XXXX called my work looking for me I ask them not to call my job and than they called again 4 hours later my name isXXXX XXXX
This account is inaccurate. I never attended XXXX XXXX in 2016.
Caliber Home Loans included an invalid XXXX tax ( XXXX ) into my XXXX/XXXX/XXXX escrow analysis. This tax was not included in my XXXX analysis by XXXX. My mortgage was sold to Caliber by XXXX in late XXXX. According to Caliber this added tax caused an increase in my yearly escrow payment from XXXX XXXX X XXXX XXXX XXXX to XXXX XXXX X XXXX XXXX to XXXX. This is a yearly increase of XXXX. I ca n't believe that adding in this bogus amount of XXXX caused an increase in my escrow of XXXX plus I would have a carryover balance of XXXX. So now the total increase is XXXX, XXXX My monthly mortgage payment will increase from XXXX a month to XXXX per month. In my opinion this is borderline fraud. I have talked to XXXX Caliber representatives and I was told that it would take from XXXX to 30 business days to remove the XXXX. No one could tell me why my escrow had incurred such a huge increase. My monthly escrow should have remained at XXXX, since there was no increase in my XXXX taxes and insurance. As of XXXX XXXX, XXXX my mortgage statement shows an escrow balance of XXXX, with a XXXX escrow payment of XXXX to be collected and a tax payment of XXXX to be disbursed, also in late XXXX. This should leave a balance of a plus XXXX going into my new XXXX escrow year. During the XXXX XXXX - XXXX escrow year, my escrow account did not reach a minus balance. And this company is increasing my monthly escrow payment from XXXX to XXXX.
We have been scheduling our mortgage payment through our bank ( XXXX XXXX for scheduled payment prior to the due date each month. For XXXX out of the last XXXX months M & T has failed to cash our check in a timely manner and has blamed us for the late payment. They have charged us late fees and refused to remove them XXXX even when we have offered to take a picture of our XXXX account information showing the payment was debited from our account in timely manner ). We believe they have unethical practices and are just trying to cash payments late or say they " lost '' payments in an effort to make more money and collect late fees. They have even gone so for as to have there " mortgage assistance and debt collection '' department call me at work. This is beyond unconscionable. I have never been late with a payment and have never had trouble with making online bill payments with any other payee.
Issue originated when my credit card used for automatic monthly payment was declined due to a fraud alert. Not 2 days after card was declined XXXX  charged a 30 % fee for the decline which is outright fraud given I was not even afforded a grace period to get the new card and update. The real issue is however when I had to pay a certain lumpsum ( {$700.00} total ) to terminate my contract with them but still need to pay the facility the ongoing monthly tuition? My lumpsum payment are pre-paid tuitions and should be either applied to upcoming tuition or restituted to me. 

Please also note business has multiple complaints with the XXXX XXXX XXXX along with extremely negative reviews suggesting foul business practices on XXXX.
I recently checked my credit report and found a credit item from the group DIVERSIFIED CONSULTANTS. The debt collections agency claims I owe {$1000.00} as of XXXX 2015 to XXXX. This debt is not mine. Additionally, the agency has not attempted to contact me, that I know of. If I had n't checked my credit report, I never would have known this was going on.
By telephone, I discontinued lawn and garden service from this company, XXXX. They continued it anyway and billed me, sending the " debt '' to a collection agency, Portfolio Recovery, when I did not pay. 

XXXX 's constant record-keeping errors and lack of communication are the reasons for my ending the service, so I was not surprised when they made a mistake about the service ending.
Enhanced recovery reported a collection account to the credit bureaus on behalf of XXXX XXXX. Enhanced Recovery did not have my current address. They sent collection letters tour old address. I called them today and asked them to remove the debt from my credit report because it was not fair they reported me without PROPER notification. They declined. I am willing to pay the account in full. It 's not justifiable I am being punished for their lack of proper notification.
All joint accounts with EX-spouse were requested closed at Bank of America. We had to request and sign together at local branch in NH. The joint checking, savings and home equity account were closed. However, BoA says they left open a overdraft protection account associated with the joint checking account that was closed. I did not have an existing overdraft account to my knowledge. I had XXXX in XX/XX/XXXX but it was closed several year later by BoA for late payments. 

Two years later ex-spouse began drawing on overdraft protection account by accessing funds through ATM. Ex-Spouse did not make payments and BoA began collection activities from me. Local branch managers with BoA agreed with me that I was not responsible, but home office would not. I requested proof, my signature, anything showing me as joint owner on this account, and have received nothing. 

I have not had any bank account or credit card from BoA since XX/XX/XXXX
I was n't sure which category to select -- this is regarding XXXX -- trading. Of course after sending a total of {$80000.00} I finally figured out that this company just takes and takes and a person can never win. I asked that the taxes I paid be part of my account and they gave it to me as a " bonus '' - total {$42000.00} -- which I can never get back unless the money I lost is recovered which I read never happens. Read they were a scam. My account is now down to {$3100.00}. This was my retirement ( IRA ) money and their talk was good to get me to 'enroll ' by sending in the initial {$250.00}. They are unrelenting in asking for more money. I did no trading on my own until I was down to about {$5000.00}. Their trader ( s ) did it for me prior to that and I 've lost nearly everything. Their were XXXX different transactions/funds sent to XXXX. Any way to recoup?
Over 10 years I 've paid the loan balance of XXXX with the needle not moving at all ... in fact it 's gone up to now XXXX. In XXXX of 2017 I told Navient my income situation has changed ( co-signer now retired with 1/4 of previous income and me with job loss ) and they have not been willing to work with us. I 've offered to settle the amount and give a new, agree upon repayment so that the needle would move. The only offered " good faith payment '' options without providing any requested documentation that after 9 months of those, they would consider dropping an interest rate. They offered a " verbal forbearance '' period and are unwilling to send documentation on the details. Any time I 've asked for documentation about anything that could help, they 've declined. Repeatedly declined. 

Now we have been threatened to be sued and told we have already waived our rights to a Jury trial. Huh??? 

This is the most crooked system and exactly what 's wrong in our company. Please contact XXXX at Navient and others there. Employee # : XXXX ( collection manager ) XXXX In addition to all of this, the loan states that I borrowed from a school that is not even correct. This is the level of incompetency we 're dealing with. Even the very info they have on me is incorrect and something must be done. The harassment must stop.
Someone who has been harassing me was able to get my final balance owed on my auto loan, to use against me. 

My mother also called and was able to get right through with minimal verification ( as a test ). I am absolutely going to pursue legal action against Santander consumer USA for their lax privacy and clear disregard for consumer privacy.
I checked my credit report on XXXX XXXX, 2017 and recognized the inquiry. I called one main, and the operator told me she never heard of an inquiry being removed Wether it was authorized or not.
XXXX XXXX, XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; RE : SPS ACCOUNT : XXXX XXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX : ( XXXX ) XXXX RE : ADDITIONAL CLARITY Please allow me to reintroduce myself. My name is XXXX XXXX. I purchased a home at XXXX XXXX XXXX in XXXX XXXX. I was returning back to the US after servicing my country not in the military but as being XXXX XXXX XXXX XXXX XXXX XXXX XXXX based in XXXX XXXX. 

I invested my life savings of {$200000.00} on the home. Today I am exploring foreclosure options with Select Portfolio Servicing due to XXXX in XX/XX/XXXX. XXXX. 

RATIONAL : I HAVE PAID OVER {$530000.00} ON THIS HOME TO SERVICERS ON AN ORIGINAL LOAN OF XXXX. 

AFTER 11 YEARS THE DEBT REMAINS AT {$910000.00}, {$730000.00} CURRENT AND {$150000.00} DEFERRED I HAVE PAID OF AND ADDITIONAL {$100000.00} TO SETTLED THE ORGINAL XXXX XXXX XXXX MORTGAGE. 

THIS IS AFTER A XXXX MODIFICATION IN XX/XX/XXXX THAT HAVE NO RELIEF OR PRINCIPAL REDUCTION. ONE COULD ARGRUE THAT IF A MARKET REPRICING OF THE MORTGAGE HAD OCCURRED IN XX/XX/XXXX THE DBET WOULD HAVE BEEN RETIRED TODAY. 

THE MISREPRESENTATION OF THE ORIGINAL MORTGAGE BY XXXX DID NOT DISCLOSE : THE AMORTIZATION FEATURES THE MODIFICATION WAS DONE UNDER DIREST AND DID NOT DISCLOSE THE PRINCIPAL DEFERAL. 
FOR THE PAST 7 YEARS THE MORTAGE PAYMENTS HAVE BEEN ABOVE THE PRE MODIFICATION. 

IT WAS NOT DISCLOSED IN THE ORIGINAL MORTGAGAE OR MODIFICATION THAT THE PROPERTY TAXES WERE HIGHER THAT THE MORTGAGE. THIS MORTGAGE UNDERWRITING IS UNECONOMIC. 


I believe that I was defrauded by XXXX at the time of my mortgage origination. 

An uneconomic and irrational payment structure. 
My mortgage principal and interest is less than my monthly property taxes and insurance. 
After a modification my monthly mortgage payments are higher than my original payments. This was a negative Home Affordable Mortgage Program experience. 
My Principal Balance today, XX/XX/XXXX, after 16 years is higher than it was in XX/XX/XXXX. 

Reccomendation Please conduct and audit and analysis of my mortgage modification and complete history with XXXX, XXXX and SPS. 

Please assist me in receiving a debt " cram down '' valuation base of my history for the mortgages. For example, my total payment from XX/XX/XXXX to XX/XX/XXXX approximates my original principal debt or {$990000.00} in payments vs. XXXX in original debt. 

Thank You. 

Sincerely, XXXX XXXX SPS ACCOUNT XXXX XXXX XXXX XXXX AMOUNT PRINCIPAL {$760000.00} DEFERRED {$140000.00} PRINCIPAL {$900000.00} MONTHLY PMT PRINCIPAL {$1100.00} INTEREST RATE {$1200.00} {$2400.00} ESCROW {$2500.00} TAXES INSURANCE
Victim of inquiries issues with Transunion Inquiries were removed but added back to credit report Contacted Transunion to resolve issues and they did not help with the negative negative inquires 1. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX   XX/XX/XXXX 7.XXXX XXXX  XX/XX/XXXX 8. XXXX   XX/XX/XXXX 9. XXXX/XXXX 10. XXXX XX/XX/XXXX 11.XXXX/XXXX   XX/XX/XXXX 12.XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XX/XX/XXXX 17. XXXX XX/XX/XXXX
In the foreclosure process and Caliber homes does n't seem to be willing to work with me. I was requested to submit the same documentation in different formats over 5 different times. My application is about to expire because they did n't like the formatting of what I submitted. I also get different answers each time I call. I have been working with them since XXXX 2015 and still do not have any answers on if I will receive a modification.
The medical bills were paid by insurance companies the bills was the result of an auto accident XXXX XXXX paid the bills for the emergency room and for all services rendered that day I also have full XXXX and XXXX so I have n't received any medical bills from hospitals or doctor for over 3 year for over three years sinc XXXX years since XXXX
Navient holds some of my federal and XXXX Personal loan that was originally with XXXX XXXX. As stated in the law suit against them in XXXX, I have had the same issues with them. XXXX XXXX and then Navient did not disclose other alternatives to repayment and just offered me forbearance. Also, my private loan which is now in default, I was never provided any options for repayment from the collection company. My loan was originally {$22000.00} give or take and ballooned to {$93000.00}. They told me I just had to pay in full, and at one time they offered me a pay off of {$25000.00}, which I would have taken given I had the means. They never offered me any payment options and continued to harass me to pay the full amount. My loan shows " charge off '' on my credit and with Naveint over the phone. But because Navient owns the collection company, they still show a balance, which makes no sense to me. I want to be included in the lawsuit against Navient because they have literally ruined my life and my credit.
I contacte d National Credit Systems  on  XXXX   XXXX ,  2017 . I spoke with  XXXX   XXXX  est.   She informed me that she was indeed a debt collector. In good faith I demanded her to provide me with proof of this debt, specifically the alleged contract or instrument bearing my signature, as well as proof of her authority in this matter.Absent such proof, must correct any erroneous reports of this past debt as mine. I provided an updated address.
When I got out of the Military in 2004 I wanted to go to college and I was not aware nor did the college tell me about my Military benigits that I was entitled to, like my GI bill and Post XXXX bill. Instead they pushed me towards private student loans. Almost line they were getting kick back from the companies to steer students to get loans. I did not know my loans were private student loans until years later when I applied for a law enforcement forgiveness program through the Department of Education and they told me I did not qualify because my loan is a private loan. Also. Sallie Mae originally had my loan and sold it to Navient. I borrowed {$25000.00} in 2004 and I pay {$330.00} a month and still owe {$28000.00}, more then what I borrowed. Also, neither company explained if I did forbearance that it would keep adding money to my loan, and they never got permission from my mother the co-signer of my loan to do forbearances.
I have put in numerous complaints with Ad Astra and they are still unable to satisfactorily verify that the 2 debts that they are alleging that I owe them. I have not asked for validation but for verification. 

The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. 

This statement means There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. 

Ad Astra has failed to send me a contract between myself and a representative of their company so therefore this is not legally my debt. If I have to sue for legal damages then I am willing to do so because what 's going on is illegal as stated by the law Please do not send the same contracts that you all have been sending, I need to see a drawn up contract from Ad Astra with myself and an Ad Astra representative physically in the document.
my complaint is regarding few late payments that credit bureau agencies are reporting, on few of my credit cards, which i have never been late, i have mentioned that it ought to be a banking error or a mistake through creditors end, but absolutely not my mistake. please help me to proof this absolute inaccuracy to them. they need remove this inaccurate delinquencies from my credit reporting agencies, such as XXXX XXXX and transunion.
On XXXX XXXX 2017 I checked with Equifax to see if I was impacted by the breach. Their records indicated that I am.
I 'm getting no where with these people.. they are AWFUL. I have tried NUMEROUS times to qualify for the income base repayment plan.. Every single time they have lost my paperwork, sent me the wrong paperwork, they placed my loans back in default.. they have accused me of being at fault for all of this.. IT IS FEDLOAN! STUDENT LOAN. GOV!! I ca n't even get into either of these accounts anymore! They have screwed up my password!! I am so lost right now i have no idea of what to do.. they want thier money back then they need to fix their XXXX XXXX system! This whole entire situation has been a NIGHTMARE!!
XX/XX/2014 my sears credit card had a balance. On the day payment was due, I received a text as a reminder. The following day I called sears to pay the full amount due, as well as confirm that there would n't be a negative impact on my credit report. The woman I spoke to told me that there was a 30 day grace period, which I was well within, and that if I had been late past that period, that they have a " one time '' late payment forgiveness. At the end of the conversation I confirmed there were not late fees assessed, and she said that it would n't show up on my credit because it had n't been reported as a late payment. Since then I have pulled my credit report for 2 years in a row and it has been reported as a late payment. I have submitted multiple disputes with the credit bureau 's which come back as updated, however when reviewing the dispute results the negative information remains unchanged.
I have been trying to get my student loans through Navient dismissed due to the XXXX Loan Forgiveness Program, but every time I submit my information that is requeste4d that says that I have completed the requirements they turn it down saying that I do not. I have read the requirements and submitted the required paperwork and each time they tell me I have not met these requirements. No further instructions or help is offered.
Date : XXXX/XXXX/16 Description : DEBIT CARD DEBIT WESTERN UNION XXXX CO Ref:XXXX Auth:XXXX PurchDate:XXXX ( Directly from Bank Statement ) I spoke with a representative on XXXX/XXXX/2016 and was advised that WU had no way of tracking the transaction. I say stop lying to WU valued customers. The Ref. # and Auth ; Code along with the dates of the transactions should be enough to track any transaction ( it is the only information provided to the banking institutions ). The Ref. # and Auth XXXX Codes are provided to the Banking Institution and recorded to the customers bank account statement. Once a customer confirms and deny making the transaction WU 's tracking process should allow WU to verify the transaction was processed ( based on Ref. # & Auth ; Codes provided by the customers ) and a refund to the customer should be immediately processed. WU should then follow up with an internal investigation of who, when, where and why was the transaction ever processed. 
I have experienced this very same unauthorized fraudulent transaction before and it need to be immediately corrected. My last experience resulted in several months lost in the use of my funds due to a WU system process error that I am told can only be tracked by a transaction code that was not assigned to these specific type unauthorized fraudulent or suspect transactions. 
There is a glitch in the WU funds transfer system that due to the method or process of tracking based on a tracking code only. The error correction process delay of up to several months is suspect and open to potential illegal employee thief activities. While the injured customer is neglected the use of their personal funds and has no recourse in acquiring an immediate refund or even be compensated for the delay in the refund process. 
WU has a glitch and or a crook functioning in its funds transfer system that needs to corrected and future customers are immediately refunded and compensation to the customer for the delays ( use of funds ) in the refund process wo n't eventually become necessary.
On XXXX XXXX, 2016 and again on XXXX XXXX, 2016, I attempted to open a new, personal CitiGold Interest Checking account. On XXXX XXXX, 2016 their telephone representative told me that my application was accepted and emailed to me a signature card, which I signed and faxed back to them on XXXX XXXX, 2016. Approximately 10 days later, I received by U. S. mail my first Citigold checking account statement, which showed my new account number and account balance. Then XX/XX/2016, I received their letter dated XXXX XXXX, 2016 stating that they did not open this account, claiming they were unable to verify information. 

Upon phoning them again, they refused to provide any information about what information about me they were unable to verify. They claimed my account was now closed. All representatives I talked to were completely uncooperative and entirely unhelpful about what I could do going forward to re-open this simple checking account. Note that I have been a Citibank credit card customer in good standing for over 10 years, so their bank does have extensive information about me. Also, I was not applying for any form of credit from Citibank. Instead, I was attempting to deposit my money into their bank. 

When originally opening this account, I told them that I was applying using Promotion Code = XXXX, which would allow me to receive a {$500.00} cash bonus if I met certain requirements of the promotion. It became clear in talking with their phone representatives that they were trying to not open this account to avoid eventually paying me this {$500.00} bonus. 

Their offering this new account opening bonus promotion and then refusing to actually open the account constitutes consumer financial fraud, deceptive marketing practices, and sales misrepresentation. I am requesting that ( 1 ) Citibank re-open my checking account under the terms of the original {$500.00} cash bonus promotion, and ( 2 ) the Consumer Financial Protection Bureau investigate Citibank 's many marketing promotions for all other instances of misrepresentation, fraud, and marketing deception.
The loan company employees continuously visit me at my work place even after I have set up payment agreement. They call my workplace as well constantly.
I made a payment arrangement of XXXX $ a month on a XXXX $ XXXX XXXX, which I had in 1984, to XXXX for the Univ of XXXX. I gave them my bank account information and they attemped to take out XXXX {$.00} which I never had in my account.