WillisBack/dataset-financial-user-claim huggingface dataset:
My home loan was sold to Rushmore Loan Managment Services in XX/XX/XXXX with my first payment due XX/XX/XXXX. My previous mortgage company allowed me to make bi-weekly payments, which they would hold and then apply to my payment that was due the first of each month. They also applied any additional money I sent them over my payment amount to my principal. I was not aware that Rushmore didnt allow bi-weekly payments, so my first 3 months of payments were occasionally applied incorrectly. In XX/XX/XXXX, I noticed on my online mortgage account that they were showing I was a half month behind on my payments. I called Rushmore and they found 1 payment that had been applied 100 % to principal. They advised me they would reverse it and apply it to my payment amount and that I would then be caught up. I called two weeks later as I saw on my account that I was still showing behind and now I was a month behind as opposed to the half month it showed two weeks prior. Rushmore advised they would email the Cash Management department and have them review all of the payments I had made and they would call me in two days. I never received a call back so called again and went through the same conversation again. They again told me they would email the Cash Management department along with the Customer Service Manager and get back to me in two days. They still did not call me back so I called again and asked to talk to the Customer Service Manager. I went through everything with him again and he asked me to fax him my bank statements showing proof of all of my payments. I tried to fax him 10 times and the fax number he gave me didnt work. He also gave me his direct phone number and that also did not work. I mailed my bank statements with a written request for an account review, which they show they received on XX/XX/XXXX. They sent me their response on XX/XX/XXXX stating their records are correct and I am one month behind. I called them again and went through the same conversation again and asked for proof of what they did with every payment I have sent them. They told me to submit my request through their online message center and fax them my back records again and they would review the account again. I dont know what to do at this point as I have already provided them all of the proof of my payments many times since XX/XX/XXXX and they arent correcting anything. On top of all of the payment issues, they also did not pay my homeowners insurance automatically as they should have so I had to get them on the phone along with me and my insurance company so they could send them the check. Rushmore was typing up the check while we were on the phone and said the check would go out the next day. A few weeks later, I received a letter from my insurance company stating they cancelled my insurance as the premium was never paid. I called Rushmore and they admitted they never mailed the check. I had to get on the phone again with Rushmore and my insurance company so a rush payment could be sent which they finally did send this time.
AN UNKNOWN 30 DAY LATE IS REPORTING ON MY CREDIT REPORT IN ERROR FOR THE MONTH OF XXXX  2017.
I never have used another name besides XXXX XXXX, I keep seeing many versions of XXXX and getting offers for credit card : XXXX XXXX XXXX XXXX XXXX I also see a wrong address I have never been at : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ... May we correct this? It worries me.
ACE Cash Express has repeatedly made threatening and harassing phone calls to me, my family and my former employer claiming that they are suing meet in court if I do n't pay back an alleged debt of " XXXX within 24 hrs of this notice. '' I will be attaching XXXX such email that was sent to me on XXXX XXXX which claims they will be suing in court for " {$6300.00} plus legal fees '' if I do n't comply within XXXX hrs. While I have borrowed from ACE a few times in the distant past ( the last date I remember being in 2012 ), they have always electronically removed my principal and fees from my bank via ACH on the due date automatically. To my knowledge, I do n't owe them any current or past due debt. In the past when I have borrowed from them I have only ever borrowed a maximum of {$300.00}, which is the maximum amount a payday loan company can lend legally in XXXX so it would be legally prohibited for them to lend me an amount that would make my debt the alleged {$540.00} even if I had wanted them to. Furthermore, my understanding of XXXX law is that even in cases of an agreement made " in bad faith, '' the maximum amount that can be sued for in civil court is " treble damages '', which would clearly be substantially less than the " {$6300.00} plus legal fees '' that they are threatening me with. In the past week or so, I have received concerned phone calls from my mother in XXXX, My father XXXX and my supervisor from my former employer XXXX because they each received phone messages from what they were led to believe was a government agency or lawyer threatening legal action and criminal charges against me regarding this alleged debt. In each case the phone message received included a " docket number '', and my parents and former supervisor were genuinely concerned that I was in some sort of serious legal trouble. A " docket number '' and " case number '' are also included in the threatening email from them that I am submitting to you. The email also claims that they are forwarding a copy of their claim to my employer " to make sure they take swift actions '' against me and threatening that " your salary and all your wages ( will be ) confiscated. '' These are clearly illegal collection practices that violate my consumer rights. This is not the first time I have had such threatening emails or phone calls made to me, members of my family, or even my employer, but it is the most recent.
Called my Human resources dept on XX/XX/XXXX, told them I needed to contact them and needed to serve me paperwork at work. My HR rep told them they are not allowed to serve me paperwork at my place of employment. I then called the number back and they told me, XXXX XXXX was name of person, that she was a Law firm, garnishing my wages and faxing paperwork to my employer to do so,. They said it was a " charged off " debt from XX/XX/XXXX with Continental Finance. I asked for their address of business, she refused, said she had to protect their employees, I asked for a copy of the paperwork she was referring to or a copy of the debt, she refused. She then began screaming at me, tells me she could force me to sell my house for the debt and I would loose my house. She said if I called her back she would sue me for harassment.
I have disputed the late payments on XXXX/XXXX  XXXX, XXXX/XXXX XXXX OF HI XXXX, XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I WAS NEVER UNDER TH IMPRESSION THAT I WERE USING ALL LOANS TO COVER SCHOOLING. I WAS UNDER THE IMPRESSION THAT I WAS USING FINANCIAL AIDE AS WELL.i NEED TO KNOW WHY WERE SO MANY LOANS BEING USED.AND AFTER SCHOOL I FIND OUT THE CLASSES WERE NOT  ACCREDITED. PLEASE CONTACT ME XXXX
Hello. Good day. With Age comes maturity. Im conducting a much needed credit health check and have found there are a few Credit Agencys that have reported debt I supposedly owe. Well Ive never received notifications on these debts. Ive heard horror stories about Credit agencys using unprofessional even illegal practices on consumers. 
I have attempted to dispute this with the credit Bureau and it simply comes back as valid. Yet no statements, no letter validating this debt. I found out the origin was in Florida state. Im in California & have no history or ties in that state. Matter of fact my credit history doesnt even display this type of activity of such a large charge {$10000.00} Opened XX/XX/2015 Can you please assist me on this matter.
I had cell phone service with   XXXX   XXXX   XXXX   XXXX  . My number with   XXXX   XXXX   XXXX   was  XXXX . It shows Account No   XXXX   as the creditor account # on this collection notice from Credence and their reference no is   XXXX   I received. On  XX/XX/XXXX , I canceled my service with   XXXX   XXXX   XXXX   and transferred to  XXXX . In  XX/XX/XXXX I received a balance notice and called   XXXX   XXXX   XXXX   and spent over an hour on the phone being transferred all over. It was my understanding that the balance would be removed, however now I have a collection agency after me trying to collect {$170.00} for service I canceled. I was a long time customer of   XXXX   XXXX   XXXX   and this is very disappointing. This is unacceptable an act by a large company trying to coerce me into paying a balance that is not due to them. Because service is usually prepaid, would n't they OWE ME a credit anyway? They did n't issue me a credit for the service I paid for that fell after my cancellation date? Something seems fishy here.
Transunion is reporting incorrect information on my credit report. Several attempts via phone and US mail informing Transunion of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX  attempted to send several correspondences to correct wrongful information on Transunion reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 4. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.
In the fall of XXXX I enrolled in a Masters Program at the XXXX XXXX for Advanced Studies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL, XXXX. At that time, I applied for and received a Federally Insured Student Loan in the amount of {$12000.00} in order to help pay my expenses. 

Due to complications from the aftermath of Hurricane Andrew the year before, my parents moved out of state and I was without help in taking care of my XXXX children. 

Trying to balance school, work and children proved overwhelming and I was forced to leave school and also move out of state. 

As I was between jobs, employed at minimally paying jobs or even without work for several years, I was unable to make payments on the original loan and defaulted. 

My original loan was eventually purchased XXXX XXXX XXXX XXXX XXXX PA and I was made aware of the loan 's existence again when I filed for bankruptcy in the early XXXX 's. The method of my becoming aware was when attorneys contacted my husband, whom I did not even know at the time I took out this loan, and threatened to garnish his wages for repayment. Needless to say, this led to a divorce. 

As I have finally worked myself into a regular fulltime teaching position, I have been attempting to make regular payments in the amount of {$300.00} to {$1000.00} a month in order to try and get the amount down. 

Every month I receive a bill and I have never had a bill which indicates my Current Balance of almost {$32000.00} is decreasing. 

This brings me to the point of my complaint. I have no problem in repaying the original amount of my loan plus a reasonable interest. However, my original {$12000.00} is now, according to AES, {$31000.00} and in the time I have been paying, it has never gone down. This while the statement tells me I have paid a total of over {$29000.00} in both interest, {$21000.00} and principal, {$8000.00} over the years, with the {$31000.00} yet to be paid. 

I have asked AES for a complete accounting on this loan from the time it was originated until now. They have told me they are unable to provide that information. 

Any assistance your agency could provide in assisting me in either getting a full accounting or assisting in understanding how much and how long I would have to pay until this is paid off, or even if it could be forgiven considering how much I have repaid over the years would be appreciated. It appears this will never, actually be paid off, but will continue to provide AES with income for the rest of my life. 

I am concerned that at the age of XXXX, with retirement on the horizon, my retirement income will not be enough to repay this loan and still survive.
I received a call from a debt collector pretending to be a law firm. The company that did call was XXXX XXXX XXXX, I spoke with XXXX, who refused to give me his name, I had to have the other agent give me his name after calling back. The agent mis-represented himself to be from a law firm, he then corrected himself in the middle of the call, agent was harrasing and threated to send the information to the authorities to have me sued or arrested. I asked if I could call my attorney to discuss the matter, and the agent threatened that if I did that he would make sure I was charged with check fraud. He hung up the call. I did call back and spoke with someone else to make the payment, the tactics the person used was harassing and was a violation of my rights, he did n't correctly identify himself, he did n't allow me to call him back because of wanting to seek legal counsel, and was overall extremely unprofessional and rude.
As an existing Wells Fargo Platinum Card holder, I applied and was approved for the Wells Fargo Visa Signature ( R ) Card with the promotion of earning XXXX rewards points on gas, grocery, and drugstore net purchases for XXXX months. I received the new Visa Signature ( R ) Card and just found out that the XXXX rewards points offer is not loaded to my account. In the terms and conditions of this product ( https : //www.wellsfargo.com/credit-cards/visa-signature/terms/ ), there is nowhere mentioned that the XXXX rewards points offer is for new customer only. I felt this is Bait-and-switch.
I recently reviewed my credit reports and I have found several accounts from this debt collector that they say belong to me. Under the Fair Credit Reporting Act, 15 U.S.C & 1681g I have the right to demand that documents be disclosed to me verifying accurate information with my signatures. I am also allowed under the XXXX law to protect my privacy and medical records from third parties.. I have sent numerous requests to delete this misinformation from my credit reports and no response from this company ... I would really like this resolved and all misinformation deleted from my credit profiles please
We once had a XXXX XXXX account which was back from 2003, my wife remembers paying the balance off which was about $ 3k out of my bonus years ago. This company has been purchased by many different companies for example XXXX XXXX backed this account when we opened, then Capital One, then GE. We feel this debt was paid, we requested verification of debt, calculations and signed initial contract to make sure this is even our debt and nothing has ever been received. Not once were we called to even collect nor anything in the mail. The only time we knew there was an issue was pulling our credit which is now off because we disputed with the XXXX major credit agencies but this afternoon I received a XXXX claiming I owe and this company wrote off which we do not owe per our records. We need some help here. Please investigate and assist us, we have no where to turn to obtain some kind of proof.
I disputed several incorrect and inaccurately reported items on my credit report by sending this credit repository a letter last XXXX XXXX, XXXX.One of the disputed items is Bankruptcy : Discharged CH-XXXX ref # XXXXwhich according to the court has been dismissed last XXXX XXXX. This proves that no investigation was done by this company and that their records are outdated. The other items I disputed are listed in the attached files. These are copies of the letters I sent them last XXXX XXXX, XXXX and the letter I am sending them today. Inaccurate and incorrect information such as account opened date, payment history, highest balance, status, closed date etc. are still reporting and violation FCRA, FDCPA and the bankruptcy law.
I tried changing my due date over a week ago ( 7 days roughly ) prior to my due date. I have automatic withdrawal scheduled on my due date. The CSR told me I have to cancel my automatic payment online only and change my due date online only. She did not tell me it had to be at least XXXX business days before the due date. Today, 3 days before the due date, I 'm told by a floor supervisor ( XXXX branch # XXXX ) 3 business days may not even be enough. Sometimes they will still auto withdraw the payment from the account, there is no guarantee it wo n't. Also, they can not manually cancel the transaction, even if they contact their " payment processing '' department they can not do it. I struggle with this considering the size of the organization, that they can not manually put a stop to a transaction when the payment is not even pending. Also, the terms and conditions do not mention that " potentially '' it may or may not hit your account. The terms and conditions are only available via a small link you have to click and read, the web page itself does not present or require you to read them before you accept the automatic withdrawal. You can easily, accidentally skip over the link and continue the setup of your automatic withdrawal payment. Needless to say this entire payment process is unfair and deceptive.
I paid off all of my student loans ; however I am being harrassed by XXXX for payment of a student loan. I have requested via online submission for this collection agency to provide me with the originating contract and lending information but they refuse to send me the requested information. This is a clear violation of the FDCPA and UDAAP as I did not have many student loans ( as I received a XXXX ) and the ones I did have were paid off ( final payment made about a year ago ). I was in school several years ago graduating in 1993 and I do not recall having any other loans then the standard federal loans that I have paid in full. Instead of XXXX providing me with the origination documentation they sent an email stating to contact them as they can possibly garnish my tax return or other federal payments. Please assist me with obtaining the requested information and to stop the harassing phone calls.
I have my property taxes in escrow with Freedom Mortgage. While doing a home equity loan with another institution I was informed my property taxes were delinquent and I could not proceed. I contacted customer service. XXXX informed me that I needed to send an email to customer service and they would respond within 48 hours. 72 hours later, no response. Made second call and spoke with XXXX ( ID XXXX ) she informed me a resolution has not been made, but a target date was scheduled for XX/XX/2018. I am now over 30 days delinquent and have accrued over {$100.00} in penalties and interest.
Hello! 
My SSN is : ***********I have disputed repeatedly with XXXX bank, the history regarding my charge-off. They are still reporting it showing past due {$1100.00}, even though it is a charge off. I have been told this is incorrect, ad they will not remove past due status. 

In addition, there is an item with XXXX XXXX XXXX, regarding a vehicle that I had voluntarily reposessed. The item in question is not showing a proper balance charged off I owed over {$4000.00} on this vehicle and was only given credit of just over {$1000.00} when they sold it. Extremely unfair practices, and this was not explained properly when the vehicle was reposessed.. 
In addition, there is an item for XXXX which is incorrect. I have been harassed repeatedly by XXXX very nasty collection agencies. I am being charged for equipment I returned and amount is completely incorrect. I do not owe this money.
In XXXX I graduated form the school, lost my job and didn't start word until XXXX. Paid min. until XXXX on a {$2400.00} bill. In XXXX started paying {$100.00} a month, on XXXX I wrote the company and told them I thought I had paid them in full, wrote a check for {$100.00} paid in full. Never heard from them for a year. XXXX they started billing me again, saying I owe {$930.00}. I contacted them three times, first time I was told I borrowed money three times (  not true ) ask them to send me records ( didn't get them ), second time was told I owed {$2400.00} then {$5000.00} then {$11000.00}. The third time the person didn't know what to say, so I asked her to send me my accounts. She send me stuff that told me nothing, I have the papers if you want them.
CRA VIOLATION / INACCURATE INFORMATION APPEARED ON MY TRANSUNION CREDIT REPORT SHOWED THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE THE ACCOUNT NEVER LATER.
I applied for a Chase XXXX XXXX business card. I was told I have " a good credit file. '' ( I know from independent checking that my credit score is over XXXX. ) I have no late payments or over-limit spending. I was denied because Chase said I have received too many credit cards from other banks in the past two years, even though they could not tell me what number of cards is too high because, they answered, there is no set number. It could be XXXX, or XXXX, or XXXX. It could be different for each applicant ; meaning that the criteria is completely arbitrary and can be implemented in a discriminatory manner. 
They could not articulate why the number of different cards I have received and used responsibly provides any indication of credit unworthiness. ( I continue to receive credit card offers in the mail. ) Chase said the decision is " not reviewable '' and there is no recourse. I asked : with which regulatory body I could file a complaint? Chase said my complaint was not a " regulatory issue, '' so there was no government agency with which to file a complaint, but offered only the XXXX. Chase said they could take an internal complaint, but could not tell me of any impact or process that complaints generate, other than that they are sent to an " escalation '' department. But I would receive no response, clarification, review, reconsideration, etc. 
Chase 's credit-issuing criteria are very non-transparent, arbitrary, and potentially discriminatory.