WillisBack/dataset-financial-user-claim huggingface dataset:
On approximately the first week XX/XX/XXXX I filed a dispute complaint of fraudulent charges with Rush Card. During the investigation, they stopped usage of my current debit card and issued me a new card. Upon receiving the new card, the company was in the midst of a very large upgrade to their services. When I went to activate my new debit card, it would not accept the information via telephone to activate the new card. Upon logging in online, I noticed that the new card displayed online on my account did not match the one I received in the mail. Due to the large epically failed overhaul, I was not able to reach customer service via telephone for the first 24 hours. During this time, I sent an email and was issued a ticket number and an automated response saying they would respond within 12 hours. As of XXXX/XXXX/2015, I still have not received a response. I have gotten thru to customer service after several failed attempts and was given a response that " I need to wait for the website overhaul to finish and the account numbers would be updated. That never happened either. I have been put on hold, hung up on, passed along and still can not access my XXXX payroll deposit that was put in my account on XXXX/XXXX/2015. I talked to customer service last night and they were going to issue me a pin number to resolve this issue but they hung up or disconnected before I could receive the number. I have faxed, called, and emailed numerous times and to numerous affiliates and hit a dead end everytime. I have reached the end where this is no longer acceptable customer service. 
After weeks of run-arround and dead ends. Rushcard customer service states that 1. They do not have access to accountholders information and when requesting to consult with supervisor, I was transferred to a person who was able to access my account info but still could not resolve my problem. I have paid {$30.00} for an expidited fee for a replacement card that was blocked before I even received it, and not offered a refund of that {$30.00}. It is XX/XX/XXXX15, and I still can not access my money on this account. Rushcard has no problem deducting fees from the account but claim they can not perform a card to card transfer on their end, even though we have record of them doing this exact thing.
On XX/XX/2018 I requested my " annual credit report '' via snail mail. Instead of getting my timely report I received a letter on XX/XX/2018 dated XX/XX/2018 which requests identity documents in order to get a free report which I am entitled to. It seems that every year it seems to be the same excuse to delay, deny my timely copy of my credit file. The name and address has not changed so what excuse is there except another attempt to procure information to extend there data mining efforts to collect more information.
American Express Date open : XXXX Acct # XXXX Started the dispute process with XXXX on XXXX/XXXX/XXXX - than again on XXXX/XXXX/XXXX then again on XXXX/XXXX/XXXX - each time since then every few weeks I call for a follow up to American Express along with XXXX the account itself has no deletion date and its over now XXXX years old acct open : XXXX XXXX, XXXX account was apparently from what the rep in XXXX told me XXXX XXXX, XXXX - charged off which means I went delinquent 6 months prior to that date because it takes 181 days to charge off an account than I was told by XXXX location in XXXX that no really the account was charged off in XXXX of XXXX than I was told on another date that really the account was n't charged off but its still an open account that needs to be paid. this has been going on and on since XXXX of this year we are literally already in XXXX almost at XXXX and have received no follow up and no clarification of what the time line is - the debt itself is past the statue of limitations and should be removed all together. 

XXXX has had little to no help at all with this account for me in fact I have been bounced around like a potato
Loan servicer since XX/XX/XXXX. 
Escrow analysis of XXXX of XXXX showed a shortage, which would increased mortgage payment by {$600.00} a month. 
Inquired within the company on XX/XX/XXXX, who offered to extend the shortage payoff over additional time which brought payment increase to $ XXXX  month. 
I paid the total amount due at that time, and the amount due was not the adjusted amount. 
After submitting payment, the amount due was adjusted, I was not notified, and due to the adjusted amount, there was a {$400.00} difference. 
In XXXX, as I went to make monthly payment, the account was marked Past Due. I called again to the company, they apologized for confusion, noted my XXXX payment, and the amount due did in fact adjust after my payment. The difference amount due of {$400.00} was paid at that time and account was brought to current status. This was reported to the credit union as a delinquent account. 
My complaint is first, how does an escrow analysis show such a deficit where ones mortgage payment is increased by greater that {$600.00} a month! 
Secondly, reported delinquency to the credit union due to past due amount, although the total amount due changed after the payment was made. ( Total due on XX/XX/XXXX. After the total due was paid in full on that day online, a later day the amount increased to by {$400.00} without notice to myself with email or call to I form amount changed and should be pain in full by XX/XX/XXXX. 
I find myself extremely fustration and lacking any control. Will my mortgage increase yet again? Are they making correct analysis? They have been informed all along of the town taxes and insuramce rates. How does this happen? I am fearful, as a single mother of XXXX XXXX  children, how can a mortgage amount changed so drastically? 
Then the internal confusions of working with the company which results in credit reporting.
This complaint is about : Experian My personal information was compromised through the negligence/incompetence of XXXX in the large breach earlier this year. In XXXX, I repeatedly tried to freeze my credit files with Experian through their web site. Each attempt failed, and Experian 's web site information said I should mail them copies of my driver 's license, social security card, and a document to show my current address. 

On XXXX XXXX, XXXX, via certified mail, I mailed Experian copies of my driver 's license, social security card, and an insurance statement that showed my current address. According to records from the USPS,  Experian received my mailed documents at XXXX XXXX, XXXX XXXX, XXXX. 

I have not received any confirmation, notification or correspondence from Experian. Since XXXX, I have continued to try to freeze my credit files with them using their web site. Each attempt fails, once again directing me to mail them the documents I have already sent them.
HSBC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX Why is HSBC refusing to release a lien on a property to which THEY HAVE ALREADY TAXED THE HOMEOWNER ON THE LOSS?? 

On XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX we mailed a Lien Release Request to HSBC. See attached copy of Lien Release Request Cover Sheet. Also see attached Confirmation of Receipt from the US Postal Service showing delivery on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX we were told that this file was being handled by the New York Lien Release Team and given their direct email address to email the docs that we had mailed previously. See attached copy of our email dated XXXX/XXXX/XXXX, the emailed attachments ( current Title Report, Recorded Assignment to HSBC Bank, a fax from HSBC Bank dated XXXX/XXXX/XXXX, and Authorization to speak with our company ), and the response from the Lien Release department indicating receipt of our email. 

We have been calling multiple times per week since then. The reps can not tell us anything except it has not been sent to the county to be recorded. We have requested a response from the lien release team multiple times since this started. No one has ever once returned our phone calls. 

Why is HSBC refusing to release a lien on a property to which THEY HAVE ALREADY TAXED THE HOMEOWNER ON THE LOSS - See attached Cancellation of Debt for the Tax Year XXXX.
I used an American Express Serve Card, said to be secure and have Fraud Protection. It must be connected to a checking account to load money or one can load it at a store for a fee. On XX/XX/XXXX I received an email from AMEX Serve asking to verify that I changed my email address for the account. I had not so I called. Its diffi to get anyone to help you for this problem. I was in the phone with Serve as another purchase was made, all in Florida. 1st {$200.00} was loaded out of my checking account. The card had a balance. {$310.00} was taken. They said theyd open a case for me. 2 days later I received an email from them. They closed my account because I violated the agreement by committing fraud! What?!! When I called to discus they would not discuss it. They said their investigation is closed and there is NO one else to complain to, no where to write no one else to call and then the person hung up on me. I tried again with the same result. Please stop these people. This is a bad card with no protection. They are misleading consumers by stating that the card is secure. It absolutely is NOT! Also, they shut the card down and wiped the account from the stat. Now I can not see the transactions to file a report or to document. I do hope that something is done. This is poor customer service and fraud on their part.
Numerous times this month, I have faxed my driver 's license, utility bill and Social Security Card to you without a response or correction to my credit report. XXXX Is my report number where XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is my address. The other addresses do not belong to me. Please delete these addresses as they are hindering my ability to obtain credit. Thank you in advance.
This complaint is regarding 3 collections on my credit report that appeared in XX/XX/2018 from XXXX XXXX XXXX for tuition from XXXX XXXX. The collections are for {$3500.00}, {$1800.00} and {$430.00}. My Post 911 GI Bill covered this tuition in full. I do not owe XXXX XXXX or XXXX XXXX XXXX any money. Please remove these items from my credit report immediately.
Ocwen loan servicing assumed my mortgage roughly 2 years ago. When they assumed the loan, I had a payment trailing due to my husband losing his job after a XXXX related to his XXXX XXXX. I have tried multiple times since then to resolve the issue. Ocwen will only offer me loan modification and that is not likely due to my current credit issues. I have paid extra to Ocwen but they hold the extra that is paid and do not apply it. Currently there is {$350.00} sitting somewhere and not being applied to the mortgage ( see attached pictures ). Ocwen has also charged me fees such as {$25.00} to come to my home to place a note on my door stating to call them because of a late payment ( payment that was not paid when they assumed the loan from XX/XX/XXXX ). When I called them about this issue they stated that they need to make sure that the property is still occupied. I demanded that this stop due to the fact that I was making a monthly payment to them every month and had tried to resolve the issue multiple times. It did stop at that point. 
In XX/XX/XXXX, my husband and I were forced to file bankruptcy due to him still having issues and being unemployed. I have been making my mortgage every month and intended to keep my home. Ocwen has filed paperwork stating that I have not made a mortgage payment to them since XX/XX/XXXX, though I have the bank statements and cleared checks to prove otherwise. 
This company is fraudulently attempting to foreclose and will work toward a resolution. They refuse to give a forebearance and place that payment at the end of the loan. They have only offered modification which I have explained I do not need. I can afford to make the payment but I can not come up with the over {$2000.00} in overdue and fees that they state that I owe. 
In XX/XX/XXXX, they refused to accept a payment from me because I was in Chapter XXXX even though I called to make a payment to them. After much run around, I was finally able to obtain an address to mail payments to and began sending my monthly payment to the address that I found. When I send the payments, it takes over XXXX weeks to clear and they are stating that they are not receiving those payments.
Ditech Financial LLC called me on my personal cell phone looking for my mother. My number is with a private carrier and is unlisted. It is also on the do not call registry. My mother nor any other person gave them my number. They are harassing my XXXX XXXX XXXX mother for a debit that is past the time when they can expect to even collect. The letter they send her even state this. But they called me making threats to take my mothers home away from her, stated they might even be able to put a lien on my house, and intimidating tones. I asked them how they got my number and they refused to tell me. I also asked them to get on the speaker phone with my mother so she could tell them not to call me anymore. They refused to. I asked that they send all documentation in regard to the matter with the originating loan company and anytime it had changed hands. The man hung up on us. They continue to to harass my mother even though she has told them repeatedly to stop calling her. I do not have a specific date they called me as my call log in my phone was wiped accidentally. It was between XXXX.
About XXXX years ago I had done a modification of my mortgage at which time I started paying my new mortgage. In XXXX 2014, I received an amount due of {$0.00} at which time I called to find out why. No one could explain the reason there was nothing billed. In XXXX, the same thing happened. When I called again I was told there would be nothing due until XXXX 2014 and I still was not told why. After several more attempts, I just let it go and was then billed in XXXX 2014 for {$4000.00} which was not the agreed upon amount. My complaint is there is no one to speak with and no answer was ever given as to the reason nothing was billed.
This has been an ongoing problem of lenders/servicers in our purported loan. Starting with XXXX and now moving onto PennyMac. There has been fraud in the inducement and continues in fraud as it progresses. Your XXXX never informed us that our 'loan ' was actually meant to be a security. XXXX XXXX was never registered to file securities ( see attached letters from SEC ). 
We have no agreement with PennyMac and they have fraudulently procured our property through fraud. PennyMac has violate the National Mortgage Settlement Agreement and their own agreement with the FDIC. 
There is no way for a homeowner to negotiate when servicers/lenders are allowed to use fraud to steal our property and cut off the true holder in due course. 
Attached is a fraudulent assignment of deed of trust. I have marked it to show the fraudulent areas of the Assignment. 1 ) XXXX XXXX has not now or ever worked for XXXX or XXXX XXXX. a ) XXXX XXXX has been inoperable since XXXX b ) PennyMac did not open for business until XXXX, c ) XXXX did not have an agent for service or business license in CA until XXXX/XXXX/XXXX. Consequently, there could have been no LEGAL assignment in XXXX. 2 ) XXXX XXXX was under investigation for misuse of her notary since XXXX, a ) XXXX XXXX has since been convicted as per the attached court docket. b ) XXXX XXXX and XXXX XXXX have signed numerous documents under various titles, once again showing a pattern of moral turpitude by the servicers. 3 ) XXXX had the final dissolution of their LLC on XXXX/XXXX/XXXX, as per the official letter from the Georgia Secretary of State, attached herewith. XXXX was not an operating corporation in the state of CAlifornia until XXXX/XXXX/XXXX, and therefore can not be a party to our transaction. 4 ) We were never served a notice of acceleration by the lender, or the trustee. PennyMac used these fraudulent documents as a form of extortion rather than genuinely trying to work with us. We believe they did this because they did not have the entitlement to enforce the agreement and desired to bury this evidence in order to procure our home at no cost to their agency, and to cover their fraudulent activity from investors and the government. 5 ) The Trustee was never legally replaced by either the Trustee or the Lender. 6 ) PennyMac used this fraudulent Assignment of Deed of Trust to foreclose on a property they had no legal right to. a ) They illegally created a Trustee 's Deed Upon Sale, one day after the release from stay in the bankruptcy court, thereby violating the Homeowners Bill of Rights ( among numerous other rights ). 7 ) PennyMac has been evasive and untruthful with regulating authorities regarding our complaints and have tried to depict us as deadbeats thereby evading questions regarding their authority. 8 ) In spite of XXXX requests PennyMac has never provided us with a legal QWR, PennyMac has no record of our past payments on this loan, nor do they have a record of our payments toward the principle, because they do not legally possess this right.
I am disputing the following account with DEPT ED/XXXX account number XXXX this account was paid in full some how the update did not take place with XXXX XXXX XXXX this account is reporting 180 day past due which is incorrect I am requesting this account be updated by removing this information from reporting I am in the process of buying a home this incorrect reporting is affecting my credit score
I bought new house in XXXX, TX area. I and my family were excited for our first home. We were looking around for good lender with great rate. Bank of America is XXXX of them. they come up with plan mentioning that you are eligible for physicIan loan with 3.75 % apr AND You do not need to set up any escrow account for it. I asked their agent-XXXX XXXX multiple times that are you sure that I do not have to set up escrow account? She answered me that I am 1000 percentage sure you do not have to set up escrow account with 10 percentage down. There are few lenders who were providing me similar rate with XXXX loan with no set up of escrow account. XXXX was so aggressive that we will give you best service and everytime my question was similar that are you sure that I do n't have to set up escrow and she is saying that I am very sure. We decided to go with Bank of America looking at her confidence and promise. She sent me closing cost work sheet/good faith estimate without any escrow account as well. I can show to prove her promise. meanwhile, I provided lot of documents for my loans in timely manner whatever processor and underwriter was requesting. There was only 4 working business days remain for closing and she came up on XXXX/XXXX/2015 late afternoon mentioning that we have to now set up escrow account. I made mistake and please forgive me. I was really upset because not setting up escrow account was only reason to go with bank of America. There are other lender providing same rate loan with out escrow. I was really anxious because only 1 wk remained for my closing. I felt cheated as customer by end of day. I can not understand that loan went through different stages before final approval and nobody noticed or informed me about escrow thing until last moment when only 4 days remained so I can not go any where. I would never go with Bank of America if I am aware about that I had to set up escrow. I had different options for not setting up escrow for home loan. I ended up paying additional XXXX for escrow account and now monthly payment that I was not ready for it. I would totally consider it as a fraud and cheating to customer. I believe that it is customer right to get correct information about product whenever they are buying something. INFORM CUSTOMER ABOUT SURPRISE WHEN THEY CAN NOT DO ANYTHING THAT IS MOTTO OF BANK OF AMERICA. 

please help me out with this matter so no one else can get fooled/cheated by them.
XXXX XXXX XXXX loan debt was charged off showing XXXX balance. It still shows a balance of {$20000.00} on XXXX credit report. Please assist with getting it reposted properly
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Debt was paid in full but shows open on my credit report. I also never received a paid in full fax as I was told I would.
I called Transunion on XX/XX/18 to ask why they were displaying inaccuracies in my credit report. Transunion stated that I disputed the items but when I call in to get the results the reps just hang up in my face. It is very hard to get anything done with Transunion because the reps leave you on hold for hours then when you finally get to speak with a rep, they hang up in your face and you have to do it all over again. Its been over 30 days since I disputed the inaccuracies and I never received a response from Transunion.
I disputed the XXXX account on my Trans Union Bureau as paid in full. I sent them a copy of the paid letter attached. They did not remove the balance.
The account XXXX credit card listed as a charge off in collection status has not changed in 60 days. I have wrote and called equifax and all they do is write paid in the comments. The payment status of the account should say paid was charge off. 
The company ' has sent the correct information to the equifax and still they have not updated the payment status to reflect it as. A paid was charge off status. 
I am in the process of mortgage and have explained this to equifax with no luck Also the company capital accounts for pet vet has asked equifax to delete the account pet vet from its records off my file and they have not done this.
Now back to thinking of what BBVA Compass bank has done. They expect me to pay them at total of {$3300.00} dollars. Compass bank had canceled the auto GAP policy along with the Extended warranty without my prior knowledge. So that would be around {$2500.00} dollars that they had gotten back also I was never returned my prescription medicine that was around {$1700.00} dollars along with a spare pair of eyeglasses that were around {$600.00} dollars. Also with {$2000.00} dollars in improvements and maintenance not including my {$4000.00} dollar down payment have you. That would be a total of {$6800.00} dollars then minus {$3300.00}. Being a total of {$3400.00} that Compass bank owes me. They may have made a clerical error within all of this. I hope they review all of this info for their records.