WillisBack/dataset-financial-user-claim huggingface dataset:
With the help of a XXXX certified housing counseling agency, I submitted a complete loan modification application to the servicer of my mortgage, Rushmore Loan Management Services. Eventually, the servicer provided a letter dated XXXX XXXX, 2016 acknowledging that my application package is complete ( attached here ). But then I received a letter saying that the servicing of my loan will be transferred from Rushmore Loan Management Services LLC to a different company effective XXXX XXXX, 2016. 

I do not think this is right. Rushmore 's first letter acknowledging my application says they will have a decision within 30 days. So they should decide about my loan modification before transferring the servicing. It would not be right for me to have to start all over with the process. Rushmore already created unnecessary delays that have caused me to get further behind.
Loan company deferred my payments till 6 months after I graduated. Then lost my loan, I never got a bill. They used a wrong social security number. Then they came after me 20 yrs later for the full balance plus interest and penalties. and have been taking my income tax returns. My loan was only for about XXXX dollars. However they have taken over XXXX now. I need help to make them stop! theyve got there money back. I would like my money back!
I disputed with all three credit rating agencies and American Express, a charge-off/write-off posted by American Express on my credit report. I provided proof of payment that brought my account current as well as paid double the amount of my minimum payments each month. Some payments were made directly on Amex and others as direct withdrawal via their agent XXXX. I was told by Amex 's agent that as long as I kept my account current and paid the amounts agreed upon, Amex would not take any further action. It was understood that I was not to use my card until the bill was paid in full at which time I could use the card again. During this time I was able to make payments directly to Amex Website as well as have automatic withdrawals. I have documentation on Amex paper showing payment of the amount to bring my account current and invoices showing bills amount owed and amount paid to american express. My account should not be in charge-off or write-off status. My account is still accessible and being paid for on americanexpress.com. In addition I am paying as posted on Amex 's website. I Had been making the agreed upon payments for over 6 months when they declared the account a charge-off.
Transunion removes a ch XXXX dismissed from my credit report and then added it back I was not given a 5 day reinsertion notice need to be remove.
Dealing with Ally financial is a definite run around combined with being lied to by supervisors and representatives. I 've been dealing with complications since last month spoke to XXXX different representatives that gave me different information when it came to bringing my account current and getting a deferment to keep my car from being repossessed. The first guy named XXXX said I was eligible and he was about to give me directive when his system froze and he told me to call back. The second lady said I had to make a full payment the third said set up an online payment and the fourth set up payments on her end and cancelled them when I made a payment over the phone. I was told to wait until XXXX and file for my 60 day extension. I 've spoken to XXXX people one being a supervisor this month. On XXXX I spoke with XXXX and she told me her manager was aware of my situation and was going to approve my extension just to go ahead and make the partial payment by XXXX so I call for the final amount and code to express it and I 'm told it was denied and I need to make a full payment and I was n't notified or called about it I would 've made my partial payment to wake up to no transportation. So I speak to two other reps today and they say my account is going into review for repo tomorrow and their notes do not show they told me the manager was going to approve my extension and it was denied due to a payment that was scheduled in XXXX that came back returned and they apologized because my representative I spoke with in XXXX should have told me to cancel the set up I was directed to make online once I made my payment over the phone. The frustrating piece of it is the lack of information, no one called to let me know what was going on, I was made a false promise over the phone that was n't noted in the file and that 's funny because the calls are recorded but no one can get to those to be held accountable and I 'm being told to call back tomorrow and speak to the initial representative. Ally is only interested in repossession not working with the customer when they have emergency situations.
I 'm being threatened with legal action for an account that was closed in bankruptcy in 2010. This account is about 15 years old and is not actionable. I plan to sue this company for illegal collection practices. XXXX XXXX from XXXX XXXX is in direct violation of fdcpa collection practices. They will both be named in the lawsuit. Phone number is XXXX
Loan Number XXXX Bank of America Home Loans XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concerned, Over the past 14 months, I have tried to receive assistance from Bank of America to help me keep my home or help me with some assistance to find a subitle place to stay. This has been one of the hardest things I have tried to do.I have email, faxed and mailed documents to Bank of America Home Loans. I spoke with a customer relationship manager from Bank of America on XX/XX/2018, and she specified to me that I can be approve for a short-sale or Cash-for keys assistance. I have made numerous attempts to find out what are the issues on my loan to keep me from getting some type of assistance. The home is in very good shape, I would hate to leave it and someone will destroy it. I am also working with XXXX to help me with this process. No-one from the Bank is telling me anything. Bank of America has a sale date on my home for XX/XX/2018. The Bank specified, I have issues on my account, but wont tell me what the issues are!! What is really going on here?? Why wont Bank of America help me? I have even went the local office of XXXX XXXX representatives in XXXX about Bank of America. If, they dont want to lower my mortgage so I can keep it, Bank of America could help with me a short-sale or cash-for Keys. What happened to the Harp program to help home owners in a time of need? For the past 14 months I have sent over, pay stubs, Utilities bills, hardship letters, bank statements, all of my income to help me get approve for some type of assistance for Bank of America to tell me, they cant help me? Why would they put me thru all of this stress and turmoil for nothing? Something is not quite right with this picture. I am having frequent XXXX XXXX, and my XXXX XXXX and XXXX XXXX is very high. My doctor back in XX/XX/2018, put me on XXXX XXXX XXXX medicine. This is not right! 

This following email is dated for XX/XX/2018 to Bank of America To the Appeals Department at Bank Of America To whom it may concern, I XXXX XXXX, am requesting any other outstanding issues with the Appeals Department. Please send me a list documents I need to submit so I complete this process. 

Thank you so much, XXXX XXXX XXXX # XXXX
NOT A DUPLICATE!! What I was explaining in the first complaint was the CA State Law regarding wage garnishment. Attached is the court order ruling on my case. The judge overturned the wage garnishment and returned my money to me. Bank of America needs to return my fee.
Several weeks ago, I tied to use my XXXX point toward to XXXX payment and it showed that XXXX point failed to pay. At that time, I have not noticed too much about it. However, today, I tried to transfer my XXXX point to an airline partner, it said my reward account is under review to grantee the purchase. I immediately called the customer services and they told me it would take 6-8weeks to finish reviewing ; however, 6-8 weeks starts from TODAY! I know this action to ensure the user where they do not abuse the reward and I can understand it. BUT, why it 6-8weeks starts from TODAY? It means it will always be frozen my account to the day that I call the customer representatives? Because when I can not use XXXX point toward to XXXX, I think my account has already be frozen in several weeks ago and I successfully used it in the last year. On the other hand, I have a really good relationship with your company, I always select your company credits as the first choice and pay the balance on time. At the same time, your company give reward points to me as bouns ; However, when I really need to use point in the time ; and you told me I could not use it and I have to wait? And I have to wait in a long long time! I mean I can wait, but my flight ticket can not wait! The reason that I select your company is that it can provide convenience services. However, this action really is disappointed me. I saved XXXX points for almost one year in order to redeem flight ticket for a vocation and then I find what I saved is nothing because I can not use it! Also, I asked what reason about why my account was frozen, they can not tell me the reason. I think that your company at least can give user right to use the point that grantee meeting the requirement and pending the points that your company is doubt. But why frozen all account? Even the point that is insane can not use.
For purposes of this complaint, CRA ( Credit Reporting Agency ) will define Transunion, XXXX and XXXX. 

The CRA has failed to delete from my credit report delinquencies reported by XXXX XXXX XXXX that were originally reported in XX/XX/XXXX and XX/XX/XXXX, in violation of Title 15 Chapter 41 Subchapter III 1681c 605 a4 and Title 15 Chapter 41 Subchapter III 1681c 622. I have disputed the item ( s ) with the CRA more than 10 times in lieu of 7 year reporting period ( s ) mandated expiration date ( s ) from being antedated on my credit report. I have been refused credit on several occasions after XX/XX/XXXX and also XX/XX/XXXX because the CRA did not adhere to US Title 15 Chapter 41 Subchapter III 1681c 605 ( a ) 4 and continued to anted ate the delinquency on my credit report beyond 7 years. As of present, even though the creditor has provided the CRA documents that verifies the original delinquency date is in excess of 7 years, the CRA is refusing to delete the accounts that originated in XX/XX/XXXX and XX/XX/XXXX in violation of Title 15 Chapter 41 Subchapter III 1681c 605 ( a ) 4 which states : Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( see attach document ) Additionally, violations of my rights imposed upon my by the CRA are also highlighted by the letter of the law stated in US Title 15 Chapter 41 Subchapter III 1681 622 ( see attach document ) Information on overdue child support obligations. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the XXXX period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

The latest disputes I have submitted to the CRA has only resulted in them updating the appropriate accounts as closed and paid, upon creditor verification. As of XX/XX/XXXX, The CRA failed on several occasions to delete the account ( s )  upon my submitted dispute and upon subsequent verification from the creditor that the originated more than 7 years ago. the CRA failed to act accordingly in and in violation of the contort of their legal duties assigned them under Title 15 Chapter 41 Subchapter III 1681c 605 a4 and Title 15 Chapter 41 Subchapter III 1681c 622 and have caused me a great hardship for over several years.
On  XXXX   XXXX ,  XXXX  I entered a grocery store that had an inside  Wells Fargo Branch.  I closed my WF HSA account, Ref. #  XXXX , and received the {$18.00} remaining balance.   As of  XXXX   XXXX ,  XXXX  I do not have an insurance plan that offers an  HSA, an d would not be making any further deposits.     On  XXXX   XXXX ,  XXXX  I received an overdraft notice of {$11.00} dated  XXXX   XXXX ,  XXXX  from  XXXX . When I spoke to  XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX ,  XXXX  stated that my account had been transferred to  XXXX  the next day or  XXXX   XXXX ,  XXXX . My first question is why would  WF t ransfer a closed account to a second bank? My second question is why did it take 7 months to let me know there was an overdraft issue?     When I take the next step to complete my complaint, the  HSA c hoice is not there to submit the problem to be addressed. Another banking shell game ... '' '' guess '' who is responsible and we 'll let them know they are in error ''.
I took out a private student loan in the amount of XXXX in 2004 to pay for tuition at XXXX University. The loan was called a XXXX XXXX loan and somehow it was transferred to XXXX XXXX and then XXXX. Then it was forwarded to Jefferson Capital Systems , LLC now it is with a third-party collection agency named XXXX XXXX XXXX. The loan is in default and I would like to make payment arrangements, but the collection agency is saying I owe {$31000.00}. I have asked for a copy of the promissory note and a statement showing the interest applied and they just sent me a billing statement. I would like to see what charges and interest have been applied to the balance before I agree to make any payments.
On XX/XX/XXXX i was called at my place of employment by XXXX XXXX XXXX which is a debt collector for navient a student loans. it was at that time I was 1st informed and notified that they were attempting to collect on at the defaulted student loan that I had with navient and I needed to enter into a rehabilitation program. I entered into a rehabilitation program on the phone that day only to now learn that XXXX XXXX XXXX had my wages garnished as of XX/XX/XXXX. I was not properly notified that my wages will be garnished neither by navient and not by XXXX XXXX XXXX and not by my employer and not given an opportunity to dispute it for proper resolution. my rights have been violated. I have tried to talk to XXXX XXXX XXXX about this issue they explain to me that there is nothing that they can do about the issue. I explain to them I have already entered into the rehabilitation program. I have also already made a payment in the rehabilitation program but they stated that there is nothing that they could do for the next 5 months. I explain to XXXX XXXX XXXX says that the wage garnishment is causing me a hardship and I can not afford for wage garnishment and to pay my bills and this would be severely financial repercussions in order for me to make sure I repay the debt. I did not receive any prior notice from navient. I did not receive prior notice from XXXX XXXX XXXX that they were going to garnish. I would prefer not to involve my employer.
I am writing concerning my request that the accounts placed in collection, on my credit WERE NOT properly investigated or removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. The request for a block of the listed accounts in my affidavit according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) should have been removed with in 4 days from the day of receipt of my affidavit per XXXX XXXX XXXX and Experians investigation.
On XXXX XXXX 2017 XXXX XXXX re-inserted an old debt onto my credit report and failed to notify me within 5 business days afterwards and wo n't remove this previously Deleted item.
EVERBANK was included in a chapter XXXX BK Case XXXX THAT WAS CONFIRMED. Immediate after confirmation the attorney advised that they had made an error and wanted to reopen the case due to transposing a number that would only bring additional hardship to the borrower. I made payment as ordered and they were returned due to the attorney providing the incorrect address. The servicer stopped taking my payments under the advisement of the attorney who wanted to reopen the case to attempt to force me to increase the agreed upon balance and therefore would not allow me to modify the escrow payments which they did not include in the confirmed BK payment for the mortgage or advise of escrow shortage or overage. 

My records show a payment each month made and being returned so the servicer attorney could request a stay of relief to correct the transposition error of a XXXX to a XXXX and thus move to foreclosure and not allow me the protection afforded by the Chapter XXXX. 
The servicer also has failed to provide me a reissued insurance check for the claim for roof damages and denied the last wind storm claim on their forced placed insurance.
I called TransUnion to have my credit unlocked for one day so my XXXX XXXX XXXX XXXX rep XXXX could view and raise my available credit card amount. I paid {$10.00} and was given XXXX. I provided this to XXXX and he calls me back saying that number does not work. I call Transunion and tell them the number did not work. Their rep says he double checked and it was valid. I called XXXX back and he tries it and it does not work. I tell him I do not know any other recourse but for him to try hourly. I call TransUnion the next day, today, and repeat my request to have my credit unlocked for free because the number I was given did not work the day before. He did not understand though I repeated it 4 times. His method was for me to pay again and get another unlock code. I then spoke with his supervisor who said since I did not call back when card did not work he could only charge me again to reopen. I pointed out that I did call back and because Transunion did not follow their own rules in documenting my calls was no fault of mine. The fact remains I paid {$10.00} for a valid code and Transunion does not feel they have any responsibility to hand out working codes for the fees they accept!
American Express keeps reporting a " hard '' credit inquiry on my XXXX  credit bureau report. 

This inquiry is from XX/XX/XXXX and is too old to be listed on my credit files at XXXX.

It is definitely hurting my credit score and ability to obtain a loan.
Hi, I fanancing a car since last year for XXXX and up less than XXXX I paid XXXX amount XX/XX/XXXX till now my account balance is XXXX I thought this is just stole people money West Lake Financial services XXXX that 's a scam bank no good if anyone has to finance a car do n't go with that scam bank
Today I was informed by CitiMortgage which is my mortgage co. that once again I have been denied a loan modification. My acct # is XXXX. I reside at XXXX XXXX XXXX in XXXX, NJ XXXX. My initial application was in XXXX, the mortgage co. at that time lead me on for more than a year and a half with the hopes of an approval, there were numerous correspondences only for the big let down, now here come the foreclosure letters. threats from their lawyers, in and out of court to stop lockouts. CitiMortgage told me in order to get in good standards with them that I would have to give them at that time excessive amount of {$31000.00} plus. I reached out to a grp. called XXXX, who has been nothing but professional in every way. XXXX submitted a file with the mortgage co. on XXXX XXXX, XXXX and in that time alone CitiMortgage has tried to put the foreclosure in effect at least once each month. CitiMortgage says that I have been denied again due to no change in my income, which is not true in XXXX I became a Commissioner with the City of XXXX which comes with a stipend paid in quarters, although I have not received a raise in 9 yrs. I do not believe that the CitiMortgage is doing an actual review there are so many inconsistencies ... .I am in need of some help ... .this is a family home ....
This company is reporting  XXXX  separate accounts that are linked to my  SSN,  dates ranging from  XXXX   XXXX , 2008-  XXXX   XXXX ,  2008 . All  XXXX  accounts are with a  XXXX  balance, however it is reporting as a bad charge off/ closed account to the  XXXX  credit burea us  XXXX  ,  XXXX , and  XXXX  . This information is incorrect and is hindering me from having a better credit report/score
I started my permanent modification payments of {$1100.00} with well fargo on XX/XX/XXXX. They did and escrow analysis in XX/XX/XXXX starting with the XX/XX/XXXX payments and never credited the payments made in XXXX, XXXX and XXXX therw for my escrow came up very short the same in XXXX they 4an an anlysis for a year and a half and escrow was short again. In XXXX of XXXX I started dealing with them as far as reasearch and i kept being told they they i still researching this during this time they accepted the lower payment until XXXX and in XX/XX/XXXX we were served with forclosure papers. I advised them our homeowners insurance and taxes were lowered and asjed them to reanalyze the escrow in XX/XX/XXXX, they refused at this point we are trying to modify the loan again because we cant afford the XXXX payment due to all the escrow shortages they are charging us for and now as of XX/XX/XXXX WellsFargo is transferring our loan serving to XXXX.
On XX/XX/XXXX and XX/XX/XXXX I applied for credit from XXXX XXXX XXXX XXXX and was denied reason given, Unable to verify credit accounts. XXXX XXXX pulled this info from Equifax. I have contacted Equifax twice and was able to verify all my information is correct and there are no freezes or alerts on my credit. I reapplied for my credit with the same bank and I am still receiving the same reason. I have no idea what the problem is and would really like to get this resolved as soon as possible.
I 've banked at ( Regions Bank ) for almost 14 years and I have been overlooking some questionable practices until today. I call, talked to a Bank Rep to " Stop and Payment '' on two ACH 's that was being brought to my checking account a week later. Regions got the fees that same day I requested the service. I allowed enough time to stop the payments but on the following XXXX, the payments was not stopped. I call Regions and the Rep was nasty ( attitude wise ), so I requested to speak with a supervisior. The supervisor refunded my fees but the payments went through and made my account overdrawn. I was told by the supervisor that the Rep did not complete the paperwork to have payments stop. XXXX! Anyway, Regions has inconvienced me right before XXXX weekend. As soon as Im able, I will be Banking elsewhere.
To Whom it May Concern, I XXXX XXXX have had nothing but issues with Santander Consumer USA, they erroneously placed me on a cease and desist in regards to communications. I spoke to multiple representatives at this company and the last was finally able to resolve this issue. The reason I bring this up is because the repossessed my car with no forewarning and or no explanation of any of the fees that have been incurred on the account. My original loan was for roughly {$13000.00} and I've paid nearly {$30000.00} for car that I still owe XXXX on. I have upload a transcript of all transactions on the account and am more willing to suffice any other documents needed. I am filing a formal complaint with my local consumer protection agency for the first repossession as the tow truck company illegally entered into a gated property for residents only, the sign outside states " private property violators will be prosecuted '' the tow truck driver followed behind a vehicle and illegal entered my residence with no consent from the landlord.