WillisBack/dataset-financial-user-claim huggingface dataset:
Our home loan was sold by XXXX XXXX XXXX to Rushmore Loan Management Services in XX/XX/XXXX. Taxes and Homeowners insurance were both escrowed by XXXX XXXX and Rushmore continued to escrow both. Our annual homeowners insurance was due the latter part of XXXX. I contacted Rushmore the beginning of XXXX to see if they had received the bill. They informed me that they had reviewed the Master Policy for our condo association and deemed it unnecessary to escrow our insurance. I was instructed to pay the annual premium that was coming due. A copy of the paid in full policy was sent to Rushmore. Since that time I have contacted Rushmore numerous times to be refunded the monies they were holding in escrow for insurance and to have our monthly premium changed so that it did not include homeowners ' insurance. I am not quite sure if they are just incompetent or if it is a way of keeping and using our money as long as they can, but as of today they are holding all of our insurance monies in escrow and our monthly mortgage payment still includes an amount for the homeowners insurance. I would appreciate any help you can provide regarding this issue.
XXXX XXXX XXXX has continued call my employment I have made the statement I am currently going through debt consoling and FDCPA
I currently have student loans serviced by Navient. I am also a co-signer on my brother 's student loans. When I login to my account to pay my loans, my brother 's loans are presented as part of my total student loan payment. My cosigner agreement states that I am a guarantee for my brother 's loans, not primarily liable. However, the Navient website is deceptive, and makes it appear as though I am primarily liable for my brother 's loans, even though he is making payments on them. 
I want my brother 's loans removed from my account summary page, and for Navient to stop deceiving me into thinking that I am primarily responsible for this debt. I believe that this practice is a violation of my state 's Consumer Protection Act as well as the Fair Debt Collection Practices Act ( FDCPA ). 
I called Navient and was lied to by the representative, who told me that I am equally responsible for making these payments even though my brother is current on his payments. I was told that this could not be removed from my account. 
These deceptive practices need to stop. I will consider any and all legal action, including a class action lawsuit if this is not resolved.
XX/XX/XXXX and XX/XX/XXXX money was taken out of my account without authorization. I called and was told that there was no way to revert the funds. This money was owed to me by an old employer and was going to be used to pay bills my husband had to pay while waiting on these funds. I had set up arrangements with Navy Fed who advised that I could call them back if I was unable to find employment. I am still unemployed.
I wentvto XXXX XXXX XXXX on XX/XX/18 I rented a car, also I took one back so I got my deposit of {$200.00} back then the branch manager put in the wrong price so he refunded {$160.00} also that day. So card.com sent me an email on saturday XX/XX/18 which they are close on weekends. They had block my card. For my protection. I did not call this company and say i had and problems so why block my card. I talk with XXXX on XX/XX/18 to see what was going on. I sent documents and she unblock my card. So on XX/XX/18 my card gets block again for the same stuff. Which i sent documents the company XXXX  sent documents but still my card is block. I spoken with 3 supervisor only name i know is XXXX because the other 2 refuse to give their name. I want my card unblock its my money and not their. However i spend my money is my business. So this company is doing fraulant stuff to my card. I need my money. Can u all help me.
I need to remove the Fraud alert and credit freeze off my credit report ASAP!! I have called XXXX   and it still was not done. I need the updates below done. I dont have a phone number on my credit report either. 

New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Job : XXXX XXXX Phone Number : XXXX Please remove the the Alerts ASAP!!!!!
My house was damaged by fire in XX/XX/XXXX. Our Insurance ( XXXX ) payed {$75000.00} for rebuilding our house. Money was kept in our Escrow account in Wells Fargo Bank, which we have mortgage with. Wells Fargo paid us {$50000.00} but kept last {$25000.00}. They supposed to release it after we finish all construction work. After initial payment our contractor quit the job without finishing it, he even called our bank to inform them about that. We finished rebuilding our house in XX/XX/XXXX with our money and different contractors. I asked Wells Fargo to release the money but they informed us that we have to take our old contractor to court to be able to get money from Escrow account and till then money will be kept in Escrow. For those years they paid me interest ( 1 % ) from money they kept from us. They send me statement every XXXX of each year for my taxes. I did n't get this form XX/XX/XXXX so I called them to ask them about it. They told me that they paid my Escrow money to old contractor. They did n't contact me at all to informed me about that. After lots of phone calls and my frustration they send me a copy of the check they paid to contractor. Check was with my name and contractors name on it, my address on it, it was send to contractor. On back check was signed by him and it was also signed with second signature. 
I filled out check fraud endorsement and I am still waiting for answer. Wells Fargo is playing games : each time I called my case was assigned to new person. They are promising me to call me back same day or next day. Each time I am waiting 2 weeks and I am calling again and new person is there without knowledge of this problem. Bank made a lot of mistakes : my money was paid to contractor who did not perform the job, without noticing me they send the check to his address, he did sign it as me and cash it. 
I have record of all my communication with Wells Fargo and I would like to resolve this case, so please help with that.
I REQUESTED ASSISTANCE FROM CONTINENTAL FINANCE IN REGARDS TO MY CREDIT CARD ACCOUNT. I WAS NEVER LATE UNTIL THE LAST FEW MONTHS. I WOULD LIKE TO BE OFFERED A SETTLEMENT OR A REPAYMENT PLAN THAT WILL PAY OFF MY ACCOUNT AND REVERT IT TO CURRENT AND PAID OFF ON MY CREDIT REPORTS. I HAVE REACHED OUT TO CONTINENTAL FINANCE WITH NO RESPONSE.
Our mortgage was bought by Statebridge Capital, we believe in XX/XX/XXXX, since XX/XX/XXXX, we have had problems with them paying our taxes and homeowners insurance from our escrow account. We fixed the homeowners insurance non payment problem by calling Statebridge every year on XX/XX/XXXX when the insurance was due, and telling them to pay it. We would tell them both insurance and taxes were due, but it would seem they only paid the homeowners insurance. We have been asking Statebridge for statements of our escrow account, which they have not supplied. They did supply us once with XX/XX/XXXX, and part of XX/XX/XXXX. We need every year they have owned our mortgage. The Town of XXXX, N.Y. s property tax department was also a problem as to finding out when, and what taxes were due, it was all inaccurate, and you will find out why I made this statement later. The only way we could get rid of Statebridge owning our mortgage was to refinance, which we did, and that is when we found out they did not pay XX/XX/XXXX & XX/XX/XXXX taxes, as per my previous statement. They did not pay XX/XX/XXXX second half of our property taxes, and they didnt pay any of XX/XX/XXXX property or school taxes. Because when we found out the taxes werent paid, we questioned the tax dept. and Statebridge,  only to get the answer of, your taxes are paid. Everything was all messed up. 
We have been fighting with them since they purchased our mortgage. We are not allowed to speak with anyone in the escrow department, so its always, someone will get back to you, but no one ever does. When we refinanced, the title search company didnt pick up that the taxes werent paid, the only way we knew the taxes werent paid was because we received a certified letter from the town of XXXX stating the 2nd half of XX/XX/XXXXs property taxes, and XX/XX/XXXXs property and school taxes for that entire year was not paid.And because the title search company didnt pick up on the tax problem, they paid the {$2000.00} fine. The back taxes were paid by our current mortgage company, but all they did was add the debt to our current escrow account. So technically we are paying our taxes what I believe will be 3 times, because the first time we paid was when the money was paid into our original escrow account with Statebridge, but they never paid the taxes, we have no idea where the money went. The 2nd time was when our current mortgage owner asked us to pay the back taxes in our refinance closing costs because there wasnt enough money in the escrow account to pay for the back taxes that Statebridge owed. We thought the back taxes we owed was from XX/XX/XXXXs second half, but it was from XX/XX/XXXXs first half taxes Statebridge didnt pay. Now the 3rd time will be with our current escrow account, they added the back tax payment of XX/XX/XXXX and XX/XX/XXXXs to our current escrow account, increasing our current mortgage payment. 
Until we get our escrow account information I can only give best estimates to the amount owed to us. Which my best guess would be {$12000.00} to {$15000.00}.
I have been contacted numerous times by a company I have never done business with. I have sent them certified letters asking to VALIDATE the debt they say they have on file for me. They have not sent VALIDATION to me as to why they are contacting me regarding a debt I do not owe to them. I have NEVER signed or agreed to any contracts with this company and I don't know why they have any rights to continue to say I do or to contact me at all.
For the last two plus years I have been trying to get a loan modification from PHH Mortgage. In the beginning it was XXXX XXXX who sold my mortgage to PHH. I submit the required paperwork only to be sent a letter that states my packet is missing some document. I resubmit all the required documents ( which I did the first time ) only to again receive a letter that states the same thing that I am missing a documents. I was notified XX/XX/2015 that my home was going to be sold at a sheriff 's auction. My lawyer again submitted the paperwork, only to have the date postponed until XX/XX/2015. We were told they were looking everything over and that the sale was postponed until XX/XX/2015. I was under the impression that this would not go through as they finally acknowledged they had everything needed but no response from them and on that date my home went into foreclosure with them never once offering me a modification. I want a modification and do not want to lose my home.
In response to the response made by Convergent Outsourcing , Inc. on XXXX XXXX, 2015, I am responding to the lie Convergent Outsourcing, Inc. ( Convergent ) made. Convergent Outsourcing, Inc. stated : " As of XXXX/XXXX/2015, the account became inactive with Convergent and is no longer in our office. " I have proof that Convergent is a liar. I pulled my credit report ( aka consumer report ) from XXXX on XXXX XXXX, 2015. My Experian credit report shows that Convergent obtained my credit report on XXXX XXXX, 2015. Convergent obtained my credit report AFTER Convergent supposedly no longer has the account in their office. Convergent does not have and no longer has a permissible purpose to obtain my credit report ( s ). I will pursue legal action if Convergent ever contacts me or obtains my credit report ( s ). 

I will sue if I am ever contacted, harassed, or otherwise intimidated by Convergent Outsourcing , Inc., XXXX XXXX XXXX XXXX, and the below. My legal counsel will consider gathering, retrieving, requesting, reviewing, and/or obtaining through legal and illegal means my credit report ( s ) and/or consumer report ( s ) as intimidation and communication. Communication through direct or indirect means to me or my credit and/or consumer reports via third party retrieval methods ( i.e. consumer reporting agency or agencies ) is prohibited acts of communication. 

As such : I may not be further contacted and harassed by XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX. ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX ; The XXXX XXXX ; XXXX XXXX ; Convergent ; Convergent Outsourcing, Inc. ; XXXX XXXX XXXX XXXX , XXXX ; and anyone and anything that not specifically mentioned herein but may have been, may be presently, or may be future connected or related to any and all of the aforementioned. 

The aforementioned may not sell or transfer to another the time-barred alleged debt so that others may not harass me over a time-barred alleged debt. The aforementioned and anyone and anything that not specifically mentioned herein may not gather or retrieve my credit report ( s ) and/or consumer report ( s ) via permissible purpose, FCRA 604, 15 U.S.C. 1681b. The aforementioned do not have and no longer has a permissible purpose to gather or retrieve my credit report ( s ) and/or consumer report ( s ). XXXX XXXX XXXX XXXX has acknowledged my cease communication requests pursuant to Section 805 ( c ) of the FDCPA, 15 U.S.C. Section 1692c. 

As such : The XXXX XXXX XXXX XXXX and the aforementioned will be in violation of FCRA 604, 15 U.S.C. 1681b and Section 805 ( c ) ( XXXX ) of the FDCPA, 15 U.S.C. Section 1692c if the aforementioned or anyone and anything on behalf of the aforementioned gather or retrieve my credit report ( s ) and/or consumer report ( s ). 

If aforementioned gather or retrieve my credit report and/or consumer report, I will pursue legal action. If the aforementioned communicate with me, I will pursue legal action.
In XX/XX/2017 I paid off my XXXX XXXX XXXX XXXX XXXX XXXX, license plate XXXX, VIN # XXXX. Chase Auto finance has failed to release the lien after 3 requests. The State of California Department of Motor Vehicle is requesting a certified copy of the lien release in order to issue title and still shows Chase as a lease holder. I have contacted Chase 3 times and provided this information. Each time I was told they would notify DMV electronically and a certified lien release wouldnt be necessary. After 3 failed attempts to DMV, Chase is still the lien holder and will not issue me title with our a certified hard copy of a lien release from Chase.
I have been a good customer with Wells Fargo since XX/XX/2007. Everytime I need to talk to someone I get put on hold or get disconnected. I have tried to close an account and they have a XXXX - XXXX day process to close account. I make a telephone payment and request the account be closed and they wo n't close account. Today I have spoken to more than XXXX agents spent more than an hour disconnected twice. Wells Fargo should not be in business if they can not look after their customers.
I refinanced my home with XXXXXXXX XXXX XXXX, utilizing the HARP program to reduce the interest rate on my mortgage. Even before my first and only ) payment to XXXX XXXX XXXX, the loan was sold to XXXX XXXX. I have paid my monthly payment utilizing their online payment service ( at : XXXX  ), on the first of every month. On XX/XX/2018, I was unable to connect to their webpage, to make my online payment, and finally made my payment over the phone. In late XX/XX/2018, I was notified by mail that my loan was sold to Specialized Loan Servicing, LLC ( SLS ). The problem of not being able to submit my loan payment online occurred again on XX/XX/2018. I made the payment over the phone again, and registered on the new website ( XXXX XXXX XXXX ), as directed by their customer service department , who assured me that this would solve the reoccurring problem. On XX/XX/2018, I experienced the same problem of not being able connect to their website to make my payment. Because it is Sunday, there is no customer support to process my payment. Unless their website magically starts working today, I will have to pay on XX/XX/2018, and pay 30 years interest on the one day late payment resulting from their incompetence ( or unethical practices ). I have read MANY posts, by customers complaining about the unethical practices associated with misapplication of principal payments, where a customer paid monies in excess to be applied to their principal balance on the the transaction date, to reduce their payoff amount/term, by avoiding compounded interest on the principal payment amount for the remaining term of the loan. I have read about unethical foreclosure practices, and poor or incompetent customer service practices as well. I have paid {$45.00} in excess of my minimum payment ( to principal ), on time, every month. And fully expect that this money is being immediately applied to my principal balance, and it is reducing my principal balance, and loan term in accordance with ethical finance practices, according to the good faith expectations of myself, and all applicable regulatory agencies. I have extremely low confidence in this, based on the number of complaints I see online, and my personal experience over the last few months.
Reference to account :  XXXX  I file a complaint against the company about the debt. The company is being technical stated tha t II di d not put both account number on the complaint of the same deb tto be removed.. They only removed  XXXX  account. The account number  XXXX  still remain on my account. The case was handle in court : I spoke with  XXXX  at  XXXX   XXXX  of  XXXX ,  XXXX   XXXX   XXXX   XXXX .  XXXX .  XXXX   XXXX  stated that  XXXX   XXXX  sent the collection to  Hunter Warfield by   mistake and that they have their own collection for that agency, I should not pay this agency and they should not be on my credit report for this debt. I was told this by  XXXX   XXXX  a t HunterWarfield    XXXX . tha t the complaint was not for both account. XXXX ,  XXXX   XXXX   XXXX   XXXX  have file a garnishment for $   XXXX .the am ount of the judgment by the court.
I tried contacting XXXX on XXXX XXXX, XXXX via correspondence USPS tracking number XXXX. The late payment dates for XXXX XXXX to XXXX XXXX ; XXXX XXXX to XXXX XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.
Transunion continue to report data in my report from XXXX XXXX XXXX ( a collection agency ) which has been proven to be erroneous information.
send {$1000.00} to daughter through western union to be available on  XXXX   XXXX .On  XXXX   XXXX  get notice from western union money on hold. Aft er 1 hour  on telephone western union will refund money back to my bank minus $  XXXX  They  did absolutely nothing but cause problem and charge me {$10.00} .I think they scammed me.
I'm disputing this duplicate credit entry. Tried to work it out, disputed with all 3 credit bureaus. No one wants to listen to me. We cant have double jeaporday. The originial creditor is claiming the debt as a charge off. and the debt collector is claiming the debt as well. If you own the debt both have to prove it. XXXX XXXX XXXX   you need to stop acting like I opened this account on XX/XX/2016. That's a blaten lie. Show me the contract. XXXX Bank is the original owner of the account. You are ruining my credit report with the double entries. 

You've paid off 2 % of your collection amount. 
Balance {$650.00} Highest Balance {$660.00} Opened XX/XX/2016 ( 2 yrs ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX
This company First Source Advantage has called my employer several times and left voicemail messages at my place of employment for me stating on the recordings that they are calling to collect a debt and leaving a number XXXX stating that if this is the wrong number to call and let them know. I do n't believe that they are supposed to leave messages at my place of employment stating that they are calling to collect a debt. Additionally, I called them on last week XXXX XXXX, 2016 and requested that they only contact me by mail. I informed them that someone else at my place of employment retrieved and listened to the message. However, they called again on today, XXXX XXXX, 2016, and left the same voicemail message at my place of employment.
After receiving an overwhelming amount of emails and calls I mailed an official cease and desist letter to the company Speedy Cash on XX/XX/XXXX. The letters were sent to no avail I have received persistent emails and calls to date. I have blocked this number previously to attempt to limit the amount of harassing calls I have received regarding this account however that has not limited nor stop the ongoing harassment. Calls on XX/XX/XXXX @ XXXX XX/XX/XXXX on this day I spoke with a representative and informed them that a cease and desist letter was sent to stop harassment. The representative was told that the call would be documented and reported. XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX Emails to date on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX. They have used  random numbers to call me. These numbers have been from different area codes nationwide.
I recently purchased a used car for XXXX. This was in XXXX of this year. Then Hurricane Harvey totaled my car and then the car company, who had put a full coverage insurance policy on my car, declared that I still owed then XXXX after they took the car in and their in house insurance company declared that they could only pay less than half of the damage. They even kept the car and sold it. The finance company is American Credit Acceptance , LLC, XXXX XXXX XXXX, XXXX Tx XXXX. And the Insurance company is the XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX
In order to attend XXXX University for the 2 years I did, I was subject to using XXXX XXXX loans to cover the costs of attending XXXX. My loans are up to {$81000.00} from over {$100000.00} because of military reasons. They are currently forcing me to pay them {$880.00} PER MONTH, which take a whole paycheck every month. I do not know who Navient is, but it seems that now I must pay through them at this time, due to some unknown transfers of loans before a certain period of time. I still feel they are blatantly stealing money from me and others, plus forcing people who get paid under minimum wage to pay nearly {$900.00} per month is completely absurd. The company also told me, in the last forbearance conversation, that there are a limited number of times I can postpone my payments, and I am on my last one.
XXXX XXXX and XXXX XXXX has contracted with XXXX XXXX XXXX XXXX to Service my VA home loan. The problem has I contacted XXXX XXXX  XXXX and requested to have my mortgage escrow removed since this is a new loan I have neither been late on his mortgage and the annual taxes and homeowners insurance are current. As a VA borrower, I have the right in the state of Mississippi to have my mortgage escrow removed and it should be honored. This company has also not refunded my escrow funds that were collected from my previous mortgage company XXXX XXXX which violates the Mortgage Servicing Clause in Release tractions amendments of the state of Mississippi.