WillisBack/dataset-financial-user-claim huggingface dataset:
Hello my name is XXXX XXXX XXXX XXXX and i have a story about how Rushcard has affected. I have been with Rushcard since XX/XX/XXXX and for the most part i really like using the card for my checks to be direct deposited. Monday 's system glitch has really put me in a bind. First off i should have been paid Friday XX/XX/XXXX but my money still has not been available to me to this day XX/XX/XXXX. My car insurance was due this Saturday and since then it has been cancelled. I dont have any money for food or money to put gas in my car. My car payment is due in a couple days and i can not be late because i just got this car. If i do n't pay my car will be shut off and i will not be able to drive it until the note is paid. The glitch also somehow cancelled XXXX my debit cards and i have been charged XXXX dollars for replacement card to be shipped to me XXXX and i still have not received them. I have contacted customer Service several times and most of the time i was hung up on after waiting up to 3 hours on hold for a rep. When i was able to get threw some of the reps where very short and rude saying that they too have Rushcard and have not been paid either. Im a full grown man and this thing has brought me to tears. Something has to be done. I have reached out to Rushcard facebook and being told to send a inbox message which i have done and i have got no response from anybody. I have over XXXX dollars on my account and i cant even buy myself a bottle of water. Im hurt beyound hurt and im at my breaking point. I need my money XXXX XXXX and i need it now. Rushcard should be sued and shut done this ia totally unacceptable. Please help action news run my story maybe it will put some fire XXXX to make them give me my money. I will never use Rushcard again
Idenity theft, submitted affidavit and paperwork to company. 
Company did not comply with validation of account
I am trying to obtain a lien release. The original loan was issued XX/XX/XXXX by XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, NJ XXXX. The loan was paid off by XX/XX/XXXX. Unfortunately I can not locate my payoff letter/lien release. XXXX XXXX is no longer in business and the successor bank is PNC. When I contacted PNC they had no record of me or my loan/lien and refused to further assist me. My vehicle is now 25 years old and eligible for historic plates however NJ Motor Vehicles will not issue historic plates without a title and will not issue a duplicate title without a lien release. Please help me get a lien release letter from PNC. Thank you
Capital One has not provided requested information including their PHYSICAL mailing address for filing a notice of small claim, this was requested in prior complaints, a XXXX XXXX replies with a website address. Capital One placed a stop payment on a close out check in error, reissued it, intercepted by a third party. The funds were not received by myself and I believe Capital One is aware of this, refuses to do anything further. A small claim needs to be filed for missing funds, a total of XXXX. Messages have been left, seven in total, for XXXX XXXX and not one returned.
XXXX-Initial Complaint regarding reporting to Equifax from XXXX. I called XXXX on Monday-XX/XX/XXXX and was informed they are a department of XXXX XXXX and to settle the dept I would have to contact firm utilized to settle dept XXXX XXXX XXXX-phone number XXXX, Paid settlement amount on Tuesday-XX/XX/XXXX in the XXXX with a debit card ; asked XXXX XXXX XXXX time frame for release of payment to XXXX ; was told it may be 30 days. I responded not possible the debit posted immediately. Called XXXX and spoke to Supervisor asked time frame they would receive information on payment ; would not give me a time frame and informed me they report to Equifax 1st or 2nd week of each Month. 

Problem : XXXX Representative did not have procedures as it relates to payment received from XXXX XXXX XXXX and no protocol as to when I should follow-up. The Supervisor was very evasive. There is no further need for and investigation ; there was untruth when XXXX  stated it sold the account to XXXX in XXXX ; XXXX is part of XXXX XXXX ; 3rd entity involved XXXX XXXX XXXX was told by XXXX any communication would come from XXXX XXXX XXXX letter of phone. Three different companies ; AND ... .It appears because I contacted you XXXX is punishing me by withholding report to Equifax . Looking to purchase condo this month. Equifax did give me back the 40 points taken when XXXX sowed up on report in XX/XX/XXXX. Spoke to Euaifax Representative told me to submit complaint would take 30 days ... ... This is unreal
I have been having terrible financial difficulties for a couple of years now and have n't been able to pay off my debts in a timely manner like I used to. For one debt, I have been receiving letter after letter, phone call after phone call from a debt collector trying to collect the debt. That 's OK -- that 's their job and we do owe the money. However, yesterday, the lady from the debt collection agency called the co-signer on one of my loans and berated and harassed him, using mean and abusive language. She even suggested that he put his land and house up for sale or put it up as collateral to help pay off our loan. That is taking it way too far and is absolutely uncalled for. In addition, when they leave messages on our phones, they do n't do what every other debt collector does : say that the message is intended for someone in particular and if the person listening is not the intended recipient of the call then he/she should hang up. Instead, they just start spouting personal information, like the name and the account number of the debtor and then say that it is an attempt to collect a debt. I am appalled by the divulgence of my personal information in a voicemail message.
Received notification that Paymap Inc. and the CFPB has reached an agreement regarding the XXXX program ( AP File No. XXXX ). I either did not receive or have misplaced check and was advised via letter that I needed to request a reissue check by XXXX XXXX, 2016. I failed to do this as I was on vacation. I understand that my check would have been in excess of {$400.00} and I would like to see if consideration could be given to have a check reissued.
My name is XXXX XXXX and I live in XXXX Texas and my home address is XXXX XXXX XXXX XXXX Texas XXXX. My email Address is XXXXXXXXXXXX. Phone number : XXXX. I fill that I am been discriminated upon on the modification of my home under Chase. My loan went under water when i lose my job and I felt behind on my payment. I when to chase for a modification under the making home affordable plan XXXX XXXX XXXX, and was giving an interest variable modification from 2 % to 4 % through out the life of the loan. After fours years of payment, i got sick and again lost my job and felt behind on my mortgage. Again i was in constant communication with chase through the process. I want to chase for a modification. I was happy that chase gave me a modification this time increasing the interest rate to 3.25 %. i was giving five day to return the paper work of which i was unable to do so because I file a complained with chase on the increase in interest rate. Chase cooperate office kept on informing me that they are conducting an investigation and that i should hold with the document until their investigation is completed. 
While i was waiting for a decision the document expired. I called chase to see if i can resubmit my document for the the modification that has already been approve under the same term and conditions. Chase refuses and ask me to reapplied again and go through. I did but chase came out with a modification that no one will sign simple because they want and are doing every thing to force me to relinquish the ownership of my house through a foreclosure. (, Documents attached ). 
i have been in my house for 15 years and i have been paying my mortgage until i lose my job. As of today, my mortgage is behind in payment. I have gone through six months trier payment with chase and have shown them the i am able to make my payment an on time.. 

The new modification is for for 40 years after living in the house for 15 years. modification approved one month apart. mod XXXX was for 26 years with a 3.25 %. Mod XXXX : with the same situation approved XXXX mother apart for the same house was for 40 years at 4 %. what happen to the first modification, the situation all same. while the different in interest rate and the increase in the terms by 14 years. is it because I am XXXX and poor or because its because is trying to force me out of my house. I have been told that if I dont accept this them, i should not expect Chase to do another modification of my loan. This is discrimination.and bullying to the worse degree. I have contacted XXXX on this issue and was pushed over like dirt. I have been through counseling for mortgage assist who gave me the information to contact your office for help. 

Please I need help
Hi I am a victim of identity theift since XXXX I am XXXX and so is my XXXX son so it 's very hard for me to keep fighting this but I believe in XXXX so I 'm am not gon na give up. A few years ago my identity as well as my sons was stolen at first I thought it was my ex husband who did it because he was XXXX out of the country for identity theift but he 's been gone XXXX now and it 's still happening. First I started getting mail stating that I applied for credit when I did n't and then the calls started causing me to go into a deep XXXX. Then my son was having medical problem do to the environmental surroundings so I had no choice but to move then I applied for an apartment only to find out that I got denied. I thought how could that be so I ordered my credit report and got the shock of my life someone had destroyed my name completely there were XXXX credit inquires in 2 yrs and 5 delinquent accounts that did not belong to me how could this be. So now I am stuck in a home where my son can not XXXX  properly because someone destroyed my name. My son is my life and I need to moved but these credit agencies are reporting false information I started contacting them since XXXX and have explained my story. My son is XXXX and he is having all kinds of medical issues do to this as well as myself. I myself am currently extremely XXXX because someone has taken over my life. I am begging you to make these agencies remove these items I have given them police reports and everything but they refuse to remove these fraudulent items that do n't belong to me. All the delinquency accounts are not mine as well as the credit inquires I requested that no credit even be considered unless they call my cellphone to verify. Please make these people remove these items so that I can move my XXXX child somewhere he can XXXX and be comfortable I thank you for taking the time to read this. I truly believe in XXXX and that somehow the true will be seen.
My son has been constantly harassed by United Consumers , Inc. ( XXXX, VA XXXX ) even after I have sent them correspondence XXXX with proof that the bill for emergency medical services has already been paid. United Consumers is making threats about effecting his credit rating and other forms of intimidation.I would appreciate it if this matter could be looked into. I have attached a copy of the cashed check, which was sent directly to the hospital. ( And cashed by them, as well. )
As of XX/XX/XXXX, requested inquires to be removed from your files : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding inaccuracies in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by over 30 companies. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ).  This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
I placed a credit freeze with all three credit agencies in early XXXX. I then applied for a home loan in mid XXXX and had no problem temporarily lifting my credit freeze with XXXX and XXXX but Experian would never recognize my information online or by phone and required mailed in copies of all my documentation, this delayed my loan processing by several weeks. I thought that this would be a one time issue since I provided all of this documentation to Experian but today I have another reason to request a temporary lift of my credit freeze and again, Experian is the only credit agency that will not recognize any of my information and requires all documentation in hard copy mailed to their location. This is only 1.5 months since I last did this and I still have my confirmation PIN from when I set up the freeze with Experian on XXXX XXXX XXXX. 
I believe Experian is making the process more arduous to discourage individuals from utilizing the credit freeze system. I believe this is because I am not Experian 's customer, their customers are the agencies looking for credit information and my putting a freeze in place could take away from Experian 's business. The Consumer Finance Protection Bureau should ensure measures are in place that credit reporting agencies are responsive to individual requests for temporary lifting and subsequent securing of a credit freeze.
My mortgage company changed my account number and bill address. I followed their instructions and changed the account number and bill address. 5 weeks later I received a missed payment letter because the new account number apparently didn't link to my account. The missed payment notification had a different account number on it than either the new account number or the old account number. My bank verified that the check had been cashed before the due date by the mortgage company. I tried to access my account on-line but couldn't because the account numbers have been changed. The mortgage company is refusing to cooperate with either my bank or I in our attempts to prove payment, instead insisting on copies of the cashed check, which don't exist because it was an EFT. The missed due date was XX/XX/XXXX, the check was cashed on XX/XX/XXXX, the next check sent to the same address with the same account number is due today. I believe the Mortgage Company is dragging this out to get more penalty fees.
I worked out a payment arrangement with XXXX, XXXX XXXX XXXX, XXXX. They debit my account monthly in order to settle this debt for a credit card that I owe. They are taking me to court to garnish my wages even though they are still debating my account montly with a recent transaction happen on XX/XX/XXXX. I looked back through my bank statement to make sure the drafts were coming out. THEY did n't draft it out in XX/XX/XXXX however they did XXXX, XXXX and XXXX. In fact my drafts begin in XX/XX/XXXX. I have paid them payments totaling around {$1800.00}. I do n't feel that missing XXXX payment that they never told me about warrants wage garnishment. Please help. I can barley survive now. I barley can afford food for my family. I realized my debt and that 's why I arranged payment arrangements with them so this situation would n't happen. Please help me if you can. I have gotten letters from lawyers for representation and I did n't know I was susposed to be in court.
My problem is with the servicer of my mortgage loan , LoanCare. I r efinanced into an FHA adjustable rate lo an two yea rs ago with  XXXX   XXXX   XXXX . The loan was then transferred to LoanCare. About a year ago I began having some   XXXX   health issuesmy  XXXX  flared up and also I was diagnosed with  XXXX . I had to be hospitalized to remove my  XXXX . I have been   XXXX   for the past 12 years working in asset recovery. When this happened, I was unable to work for several months and not able to collect any type of workmens compensation or insurance to make up for my lost wages. As a result, I fell behind on the mortgage loan.     At that time  Loan Care se nt me letters stating that they wanted to help, they understood, and when I called in their employees acted as if they were genuinely concerned and were ready to work with me to fix this problem. Unfortunately, the exact opposite has occurred. At first I had a single point of contact, but now  LoanCare ha s changed this contact multiple times. My documents are sent and re-sent, then I am told they were never received or misplaced and I need to send them again. I have never actually been reviewed for any assistance options, and I am falling farther behind. I dont know why I have not been considered for any of the FHA programs that I know exist for homeowners who have suffered a true hardship resulting in loss of income.       I am healthy again and working full time and my live in girlfriend works full time as well and contributes all of her income to our household. If LoanCare were to actually take the time to look at our financial information they would see that we qualify for assistance. I know that there are multiple programs available for homeowners with FHA loans -- -modification, partial claim, forbearance agreement or even repayment plan. I want to know why LoanCare has not given me a chance to be considered for any of these programs? I want to know why LoanCare is telling me I have to reinstate my loan in full or I am going to foreclosure. I want to know why my point of contact has been switched multiple times.
This is an avoidable foreclosure, but the longer Loan Care drags it out the further behind I become. I am certain that LoanCare is required to review me for these government programs but so far that has not occurred and I want to report LoanCare to the CFPB.
Leader Cashnetusa will not stop contacting my employer and have been advised in writing two times that it is prohibited by my employer and to stop calling my work. They have there reason to know in writing that my employer prohibits these calls. It was required by them to provide a work phone number to process my application so I did so. They are contacting my employer XXXX 3 times a day.In addition they contact me non stop several times a day. My work requires the phone to be emergency or non emergency calls and again is prohibited from being used for personal calls. 
I have also told them that if they continue I will file a complainant with FTC and file a suit with FDCPA. I hope this is the start and end of all far it needs to be taken for them to stop contacting my work. Thanks You in advance for trying to resolve the issue.
Theres an account showing on my credit report that does not belong to me. Its from XXXX XXXX XXXX   opened on XX/XX/2015 with a balance of {$640.00}. This account is not mine at all. Also, there one from a company called XXXX XXXX XXXX opened on XX/XX/2015 with a balance of {$1400.00}. These accounts do not belong to me or were opened fraudulently!
Please refer to my previous complaint XXXX on X/XX/2017 This a fresh or new complaint about the same card product.
I have added this card into my userprofile at americanexpress.com which already had my blue rewards card.
When i have all my cards added to my user profile - why did n't the new card ( Delta Skymiles card ) are having auto pay setup as per the user profile? and Amex can not have the excuse that we have to verify the bank account or user might wanted to pay using some other way - that 's all lousy excuses. Moreover I have constant issue with the customer service chat : 1 ) I can not save, print or sent the chat via email - every other financial institution let me do that - why not Amex? Is Amex does n't want to be on the record?
2 ) As per AZ law every conversation that i am part of should be recorded by me - if Amex is recording the chat - why not me?
3 ) And why it is so difficult to reach the customer service? Almost a wait of 9 minutes on the chat. Is this what Amex is bragging about JD Power Customer satisfaction award?
I had to take out loans in order to attend school. I recently saw the following story on the XXXX. XXXX. This story states, " Navient, the nation 's largest student loan servicer -- and formerly part of XXXX XXXX -- was just hit with a federal lawsuit that alleges the company deceived borrowers to the tune of {$4.00} XXXX. Customers who took out student loans were hit with unnecessary interest payments, denied options to reduce their debt, and suffered damage to their credit scores, according to a lawsuit from the Consumer Financial Protection Bureau filed on Wednesday ... '' I feel I personally have been through this same situation with Navient. My loan was taken over by Navient in XX/XX/2009. The original balance was {$53000.00}. They asked me to make a payment of over $ XXXX/month. I explained to them repeatedly that I could not afford this payment. They told me I could fill out an income based repayment form which would bring my payment down to around $ XXXX/month. I told them this amount was not possible either. I have had XXXX children in daycare, XXXX dollars in medical bills and the other usuals of daily living. I simply did not and do not have the money. They tell me my only option is forbearance. They have refused to work with my on a payment. My current balance on my loans has now reached {$84000.00} because of interest. This is absurd to me. I will never be able to get this loan paid off if they do not work with me. I feel like it is a crime that they can so casually say that my only option is forbearance while they make nearly {$32000.00} in interest off my situation. I have told them repeatedly I do n't want to be in forbearance and I want to be paying on my loan but I need them to work with me. They refuse. What can I do? Please help!