WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX Rushmore Loan Management of XXXX, Ca. purchased my FHA/HUD loan from XXXX XXXX XXXX. I was in active Bankruptcy Chapter XXXX at time of their purchase. I received notice from them they had bought the note. I began at that point paying mortgage payments to Rushmore beginning in XX/XX/XXXX as they requested. Little did I homeowner know, Rushmore lending intent was to show all payments made tothem under a " Property Preservation '' account which puts homeowner payments towards their regular mortgage in limbo, and creates an account summary favorable to foreclosurefor their purposes of acquisition and sale without current homeowner being made aware of this " Predatory Lending tactic ''. My home has no court order allowing XXXX XXXX XXXX any Foreclosure status in their sale of note to Rushmore Loan Management. Now all payments made to them by me are in a default status of mortgage loan payments I have been making since XX/XX/XXXX. This deceptive Predatory lending tactic should be exposed within the Mortgage lending community as a whole, and considered illegal business practice. Rushmore has no right to change my FHA/HUD home mortgage purchase toa Property Preservation account without court ordered foreclosure, property was never foreclosed on by Texas courts allowing such actions by Rushmore Loan Management.
Company stating that they wrote {$640.00} off of the loan. This is untrue as I paid the entire amount in full. I have disputed this twice and XXXX XXXX XXXX XXXX has refused to update with the correct information.
I am trying to update my address with Capital One to the USPS standard of XXXX XXXX XXXX XXXX, XXXX, WI XXXX, but they claim my new address in in XXXX which is incorrect and I do not want it reported to the credit agencies as such, but they will not correct their system issue
An apartment complex has sold a debt to Hunter Warfield in my name. However, I was never legally responsible for the apartment, I never signed a lease or any other legal document ; or entered into a verbal contract. While I stayed at the address temporarily, I am not responsible for the outstanding balance. They obtained my information from mail that was sent to the address. There is an individual responsible and that information has been given to the original creditor and Hunter Warfield. Both XXXX and XXXX consider the debt verified, however I know that there is no legal connection between myself and the debt, and they will not provide me with this verification. The reporting agencies and Hunter Warfield refuse to remove the account from my report and my next step is legal action, Plain and simple ; This debt is not mine.
I 've been getting several alerts in regards to me applying for credit with various companies that I have n't applied for credit with. I contacted TransUnion and explained about the inquiries that I did n't authorize. I was told that an investigation will be done. However, I have n't heard from them and I want these inquiries to be removed immediately. I was recently working with XXXX and after I was n't satisfied with their services I ended the relationship. Every since then I 've been getting inquiry hits after hit. I have a fraud alert since I am a victim of identity theft and none of these companies have called me to confirm if these are in fact me applying for credit as I have requested. Please find the screenshots and the listing of the inquiries below. 
1.XXXX-XX/XX/2016 ( Have Proof From Company That Inquiry Should Be Removed ) 2.XXXX-XX/XX/2016 3.XXXX-XX/XX/2016 4.XXXX Card XX/XX/2016 5.XXXX- XX/XX/2016 6.XXXX-XX/XX/2016 I 'm requesting a security freeze since the notice on my bureau is n't being honored.
In 2012   XXXX   XXXX   began calling me about a loan I Co-Signed, I stated that I never co-signed a loan, they transferred my call and kept repeating that I did co-sign a loan and that I am responsible for it.
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I did not co-sign a loan. Navient is threatening to report delinquent payments to the credit bureaus regarding a loan that is not mine. I made multple payments on a loan that is not mine in fear that they would destroy my credit score.
I am a XXXX XXXX veteran who served my country proudly for 26 years. At the time I purchased my home with a VA loan I had steady employment with the same XXXX company for 18 years and felt secure that I would have no issues affording my home. Unfortunately 3 months after the deal closed I was laid off and for a period of 6 months only had limited income. As a result I struggled financially and defaulted on my mortgage payment. My issue is that my current servicer Stearns is not giving me any options to resolve my delinquency. My hardship was temporary and I am employed again and receiving military pension as well as SSI. I can afford a reasonable payment. However, Stearns has given me the runaround during the last 18 months that I have fought to solve this problem and now I face a foreclosure sale date on XX/XX/XXXX. This is wrong. 

I was a XXXX XXXX XXXX in the XXXX for 26 years. After getting out of the XXXX. I found work as a XXXX XXXX for an XXXX company and worked there for 18 years. We moved to the Florida area in XX/XX/XXXX and I was happy to be able to purchase a home with a VA loan in XX/XX/XXXX. As mentioned, when I closed the deal everything was fine at work, and I was shocked when I was laid off 3 months later after 18 years. I spent a lot of time looking for a new job and finally found work as a XXXX  XXXX about 6  months later. During that time period the only income came from my pension and we struggled financially and fell behind on our bills. I reached out to our servicer at the time XXXX XXXX to attempt to get some assistance through modification or forbearance or repayment plan. We started going through a very laborious process where our documents were continually misplaced, there was no assigned point of contact and a very confusing period with little to no communication. Eventually a review was conducted and I was told we were denied because I made too much money? I then tried to make a lump sum payment of {$6000.00} in order to get back in good standing but Stearns refused to accept this payment. To date they have continued to demand full reinstatement of the whole past due amount. My financial circumstances have changed, I now receive SSI along with my pension and my full time work. I can easily afford a reasonable mortgage payment. The problem is that Stearns is telling me I make too much money so they wo n't give me any choices except pay it all back. However, I do n't have the resources to pay it all back. 

I firmly believe that Stearns is denying access to government programs that should be made available to a homeowner with a VA loan. I am hopeful that your office can intervene on my behalf and help with this matter. I am facing an upcoming sale date and need to save my home, it is the right and fair thing to do.
bayview loan services did not pay my XX/XX/XXXX real estate taxes that were in escrow now as of XX/XX/XXXX they sold my loan to rushmore loan management services they passed the buck no help
I have already disputed this account with Hunter Warfield. I submitted proof of previous disputes showing not my account. I disputed with all Credit reporting agencies and this account was removed. I have included the same payment agreement for credit card authorization or check deposit that I included within my last dispute that resulted in the removal of this account. I have also sent a verification of debt sent by Hunter Warfield showing original account # XXXX yet original creditor shows acct # XXXX. This is a direct violation of my rights and I request the immediate removal of this account from all credit reporting agencies whom has been notified. Hunter Warfield is required to notify me within 5 days prior to re-insertion. That did not happen. They also have this information on record per previous disputes, yet still reporting this account to credit reporting agency.
Not only did the credit card not only was robbery papers submitted, this company has illegally put the card in collections to sell it to someone else to make money, that is a crime. Not only that I was only an authorized user, from only XX/XX/XXXX to XX/XX/XXXX. I was nothing more than that and not only that XXXX took USAA CREDIT CARD off my report realizing its illegal activity. Not only that, USAA reported wrong amount. There are 4 illegal things, not just one here, not only that 4 years I tried to resolve this, this is disgusting.
XXXX XXXX This account is still showing on my report even thought it has been paid and closed. We also agreed to make payment in return for the item to be removed from my report. TO date the company has not fulfilled this. Please delete this from my report
I have a  XXXX   XXXX  charge off listed on my credit report.    XXXX   Purchased my   XXXX   XXXX   XXXX  landline service. My payment went to  XXXX   XXXX   XXXX  but during an Audit  XXXX  identified my account as 180 days late from the Purchase date from  XXXX   XXXX   XXXX  to  XXXX    XXXX  .   They listed th e 180 la te on my credit report.   I called  XXXX  and was on the phone with them for ove r 1 hou r while they tried to figure out what happened. They confirmed they received the payment and was going to remove this from my credit report.   I get a new credit report a few weeks later and  XXXX  has changed the  Status to a Charge off.    I called  XXXX   XXXX  and they said the account is paid off and not a charge off but are not going to correct my credit report. The gave me a letter and told me to work with the credit bureaus. The Credit bureaus all said they researched the issue and confirmed from  XXXX  that it was a charge off.
I have told them I will not have a job until after XX/XX/XXXX, that I am in school, and in training. They call while I am in school, and in training disrupting that, and I have told them I XXXX in XX/XX/XXXX, and I wo n't have a Job until after that, and to leave me alone until after that. I can not pay if I can not work, and I can not work while I am in school. I am taking steps to obtain a job, but they are not listening to me.
I paid in full BOTH of my XXXX XXXX XXXX cards, at the SAME TIME years ago. This was to close both accounts after they allowed someine else to fraudulently change my address, refused to give me access back into my account, and then tacked on late fees when I could not recieve or access my bills. I had moved to the XXXX and someone contacted them and sent my account to a random POBox! I even spoke to them on the phone after the PIF to close because they kept trying to send me small bills with " fees '' after the PIF that were " processing fees ''. These " fees '' piggy backed off of eachother and I had enough. Here I am years later and 1 card is still showing a charged off balance, not a paid in full. Now, they have placed this as an existing line of credit being utilized and is impacting my credit score! They even hit me with a " late payment '' last month. Late payment for what?! I do n't have an account! I make every payment on time, this is crazy! They also only reported it to 1 of the 3 credit reporting companies when they did this new fraudulent move.
during travel to XXXX we purchased train tickets for a portion of the travel. the train was significantly delayed and took 2x the promised amount of time. The merchant 's website outlines that trains are equipped with air conditioners and other amenities which our train was not. After the delay was announced we were not allowed to get off the train to look for alternative transportation methods and were held on the train without air conditioning for over 8 hours. we attempted to leave the train multiple times and were denied. I filed a complain with the merchant that the service was not delivered as promised through Chase. however, the company sided with the merchant for reasons that merchant refused to provide credit. Considering i was denied option to leave the train and/or cancel my service AND merchant has outlines quality of service that it provides, i believe my rights as a consumer were impeded. Additionally, it took Chase since XXXX to respond to this issue which seems very extensive.
I was checking my credit through XXXX XXXX and had to accounts pop up that are not mine. It was Common wealth financial systems. The original creditor on this bogus or fraudulent account is XXXX XXXX XXXX. I have no information on this account .Have not used there services. Have no idea how they got my information. This is not my debt. There where 2 accounts one was for XXXX dollars and the other was for XXXX dollars. I 've sent direct disputes on XXXX and XXXX. I 've tried to call common wealth financial systems with no luck it 's always automated and always keeps you on hold.
XXXX XXXX has responded check XXXX for {$89.00} caused my account to overdraft. This was not a check but a debit card debit. XXXX allowed this debit on what was a closed account. I personally went to the bank and closed this account. I have tried in vain to resolve this but XXXX is unrelenting. Their employee failed to close my account appropriately and I as the customer is being forced to suffer.
Disputed with the company multiples times, also XXXX XXXX sent out letters on my behalf at the beginning of the year and in XXXX with no response. There were multiple accounts that had been broken up into smaller amounts ranging from {$25.00}, {$75.00}, {$470.00}, {$260.00} and etc and the bureaus deleted for lack of verification It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response. The bureau did not provide a written contract between myself and XXXX XXXX XXXX.The account was deleted from the credit bureaus again last month due to not being able to verify yet it was re-inserted on my reports without me being notified prior to the action.
see attached. I am sending all info for this section and large amount of documentation that substantiates my complaint. This info contains different times and different ways I have tried to get info and answers. It demonstrates a lot of the other problems I had with Key Bank XXXX loans.
I have been sued by small claims court in Alabama by XXXX XXXX who bought the Capital One Credit Card. The Capital One credit card was opened XX/XX/XXXX and was closed XX/XX/XXXX. XXXX XXXX XXXX, XXXX served me with papers to respond to the summons. I researched and see Alabama has a statue of Limitations of 3 years. I have never heard of these people until I got this. How do even know that they have the purchasers agreement that was agreed on. I tried to look on my credit report to find out but there is nothing on there showing this debt now. I fell under hard times my husband became ill and almost died we only had what little income I was making and sadly it is the same now. Not sure what to do
I have been contacting COAF, who appear on my credit file as COAF XXXX Tx, XXXX ( XXXX ) XXXX XXXX, numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX Neither of these did i authorize or give permission. they are a result of fraud.
I was contacted by Ability Recovery Services in XX/XX/2018. I paid them the amount of {$230.00} on XX/XX/2018 payment was received. I was told a deletion letter would be sent, that never came now it is still reporting on my credit as negative even though the amount is paid in full and the amount that the company is reporting is incorrect. 

To make matters worse In XX/XX/2018 XX/XX/2018 I was reached out by another company called XXXX XXXX stating that they have the debt and Ability Recovery Services does not. This company is a scam and refusing to send the deletion letter because they do not have the debt at all and they are reporting false debt.
I received a bill from from a collection agency Account Management Services and disputed the validity of the debt, so I sent a certified letter of my dispute to these charges on XXXX/XXXX/2016 but never got a response from the company however XXXX/XXXX/2016 I got a alert from XXXX letting me know that Account Management Services had added a collection account to my credit report which severely negatively impacted my credit report. I do have proof of certified letter disputing these charges.
Today I received a credit alert stating a new collection account was added to my XXXX credit report. First of all I never received a debt verification letter from this company. Only from my credit monitoring I find out that this is for a cell phone that were returned and that these charges are fraudulent. 
This company never sent me anything regarding this fraudulent account. They are required BY LAW to send me a letter allowing me to dispute this and request verification. THIS WAS NEVER RECEIVED. this company does not abide by the FDCPA.
This is the second request for TransUnion to remove the XXXX XXXX XXXX account number XXXXXXXX XXXX that is past the statue of limitations. They responded to your company that they were investigating but when I received the response they still have it listed. I have included a copy of their response as well as the initial report showing it is past the 7 year mark and is going on over 8 year. Their response only shows the payment from XX/XX/XXXX and at that time it was 120 late. That alone would indicate that it had to be at least 90 days late in XX/XX/XXXX, 60 in XX/XX/XXXX and 30 days in XX/XX/XXXX and that is the best case scenario. The initial credit report from the lender showed date last active was XX/XX/XXXX which that was not the case either. It also shows that the account was over 90 days as of XX/XX/XXXX again therefore making it 60 days in XX/XX/XXXX and 30 days XX/XX/XXXX so next month that will make this account 8 years over a year longer than it should be reporting.
RE : Loan # XXXX I have been in a Loan Modification Plan with Select Portfolio Servicing ( SPS ) since XX/XX/XXXX. I have been providing them with all documents requested since XXXX & I have been advised by SPS that they had received all documents needed many times.. I keep providing the same documents over and over as they keep asking for them over & over. I have restarted the entire process over & over & this Loan Modification has gone on for 2 years without completion. They have done XXXX appraisals & their underwriting dept keeps taking so long that they let 3 months at a time go by without completion and then start asking for the same documents over again.They tell me that they are working for me, but the process never ends & my property stands to be lost, due to this never ending process and now I have issues with the Homeowners Association after being told by SPS not to worry about the HOA 's because my account was being handled by their XXXX XXXX & everything was fine. Now I am being told the opposite. The lender is XXXX Bank XXXX XXXX Bank. I do not want to lose my home but this never ending process stands to put me in a position with the HOA that they moved to foreclose due to HOA dues after it was the HOA that made my home uninhabitable for well over a year due to the HOA " Slab Leak '' flooding my home causing it to mold & then they denied liability for months creating over {$70000.00} in damages without waiving HOA dues & then moved to foreclose because the Loan Modification did not take place yet. This Loan Modification Plan process is still taking place. Again on XX/XX/XXXX it will have been two ( 2 ) years of being in a Loan Modification Process with no results other than the stance of losing my home. DUE TO THIS I REALLY NEED YOUR HELP!!
XX/XX/2018 XXXX XXXX, OREGON Unauthorized credit inquiry. Credit inquiry made despite explicit instructions not to perform a hard pull. No credit was sought, and I simply entered the business to inquire about cell phone services. I was verbally assured that no credit would be pulled. 

I never exchanged money with XXXX and never had an account with them, yet my credit was pulled despite my explicit instructions not to pull the credit. 

XXXX pulls credit reports without permission or authorization, and indeed pulls them even after being told explicitly not to pull them, and they also lie to your face about pulling credit reports.
I checked my credit on XXXX XXXX and due to incorrect information the folowing XXXX inquiries were removed from my credit report : XXXX XXXX XXXX XXXX XXXX I got another copy of my credit report on XXXX XXXX and to my surprise the above inquiries were placed back on my report without any notification from the Credit reporting agency, not even a reinsertion letter which is required by the FCRA. 

I have called Transunion many times to get no solution, i have even been laughed at by the Transunion customer service agents. When i ask for a supervisor they transfer me to another regular representative who is pretending to be a supervisor. 

It is very frustrating. Please help me..
I had made a payment to my credit card account with XXXX from XXXX using a service called XXXX. I made this payment of {$490.00} on XXXX and it has still not reached my bank. The payment ref # was : XXXX I called XXXX ( number XXXX ) on XXXX ( talked to agent XXXX ), she opened an investigation with Ref # : XXXX. He conference called XXXX bank and confirmed that they didnt receive the payment. 

I had called XXXX pay multiple times to follow up with no response ( they kept telling me that they have sent the payment ). 
On XXXX, I called XXXX ( # XXXX ) again, asked for a supervisor. XXXX assisted me, we had a XXXX way call with me ( XXXX ), XXXX ( XXXX supervisor ) and XXXX ( XXXX back office supervisor incharge of bill payments ). XXXX and I had sent forms to XXXX ( payment adjustment request form along with supporting docs, payment receipt, my credit statement etc ) and XXXX never responded back. 

On XXXX, I called XXXX pay again and spoke to XXXX. XXXX mentioned that XXXX internal team has still not responded to her, he sent then another email. She called XXXX on a XXXX way call, XXXX ( phone # : XXXX ) Agent XXXX ID : XXXX and XXXX did confirm that XXXX did not recieve the payment of {$490.00} anytime since XXXX. XXXX was going to send him an email to investigate this payment
XXXX XXXX XXXXXXXX XXXX XXXX is my Commercial policy Insurance Company. On XX/XX/XXXX and XX/XX/XXXX I was rear ended and suffered severe debilitating injuries resulting in Loss Wages paid by XXXX XXXX XXXX XXXX XXXX  of {$2000.00} per month from XX/XX/XXXX to XX/XX/XXXX. Along with Personal Injury Protection Medical payments made by them to all my Medical providers. This company has in essence penalized me for these Accidents and has raised my Commercial Policy premiums from {$2500.00} per year to {$5900.00} per year for my XXXX XXXX policy. This is clearly based upon my filing of Bankruptcy in XXXX XXXX of Bankruptcy case # XXXX. 
I have filed several complaints with the Hawaii State Insurance Commissioner 's Office and have not received any justifiable results to correct the Over charging or the Injustice of being placed on the Joint Underwriters program. I should not be on this program and it is due in part to my credit rating that needs to be corrected with all credit rating bureau 's in the United States. The Bankruptcy Trustee has returned my cases a few months ago. But, I am still subjected to the same hardships, or difficulty with the legal system to pursue these matters, and receive fair and adequate settlements for injuries. So, I can move forward with my Surgeries and once again pursue my Businesses and Life per se. WILL FAX THE BANKRUPTCY COURT FINAL DECREE