WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XXXX/XXXX/16, I wrote a check to retailer, XXXX XXXX, which was denied by the retailer. I was told that I would have to contact Certegy directly which I did within a few days of the declined transaction. I was told that I could only be given limited to info over the phone and I had to disclose personal confidential info, e.g., banking info and driver 's license, to them if I wanted a written a response of why the check was declined for processing. I received a response about XXXX which stated the check was declined because " This transaction fell outside of the guidelines Certegy has established for authorization and the second time check was through the same date and time that authorization was declined because " Certegy did not authorize this transaction because our records indicated that the same check or payment had been submitted to us before, and authorization had been declined. '' See first reason check was declined. 

I spoke with a Certegy agent on XXXX for an explanation of why my check did not satisfy their " guidelines '' and was told that said info was proprietary and could not be disclosed. I responded then how would I be able to prevent the embarrassment from having another check declined for authorization if I have no info to cure the alleged defect that does not meet their guidelines. I was not given a responsive answer to this question.
I have contacted TransUnion Credit Bureau more than 20 times via phone and certified mail in regards to unauthorized inquiries listed on my credit report. I have explained that I did NOT authorize certain inquiries and my credit report was pulled WITHOUT my permission. Credit inquiries are not any different from any other information listed on a credit report in regards to accurate reporting.This information must be verified. I did not authorize these inquiries and TransUnion has no proof that I authorized the inquiries therefore the agency should not have those inquiries listed on my report. 

I have also asked TransUnion to complete an investigation in regards to these unauthorized inquiries to determine who authorized the inquiry. However, my request was not granted. I was told inquiries are factual and can not be removed. 

According to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, consumers have the right to dispute any inaccurate information on their credit report. I have tried to dispute these unauthorized inquiries to have them REMOVED from my credit file. However, TransUnion refuses to remove the inquiries without doing the proper investigation and verification which is a violation of my consumer rights. 

I have also contacted each business directly asking for the remove the unauthorized inquiries. However, my requests were ignored. 

The inquiries that are unauthorized and should be removed are listed below : 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/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX above XXXX inquiries ONLY are UNAUTHORIZED.
When I bought my house 10 years ago, I opened a line of credit that I never used. 
In XX/XX/XXXX I try to use that credit line and was told the account was going to be expire and close on XX/XX/XXXX. 
Now the bank is charging {$510.00} for XXXX XXXX. 
Another bank is holding the mortgage on the property and since it was a lapse of time between the transition of changing insurance company the bank assigned a flood insurance which was canceled after I sent them proof of insurance and was not charged for it. 
Bank of America on the other hand is charging me on a closed account a temporary flood insurance an extremely large amount of {$510.00} for 2 months service. 
This is very abusive since the 12 months of flood insurance cost XXXX
I first requested a Loan Modification Packet from Ditech Financial on XXXX/XXXX/2016 which I never received. I have never missed any other correspondence from Ditech. After calls to the service center, I was instructed to download documents from the website and given a list of other documentation to upload or send into the company. I sent in everything as requested. On XXXX/XXXX/2016 I called XXXX back and was told my application was not complete and additional items were required. I sent in much of the same information again. Since that time I have called multiple times to check the status and every time I get the same story- something is missing from my file/I need to send something else in before the modification can be reviewed. 2 weeks ago, I was told all my modification paperwork had been received and that they would begin reviewing the file. Oddly, the Supervisor came on the phone line to clarify why I needed a modification and discouraged me from proceeding until I explained I had a XXXX. I guess fear of discrimination made her back off. 
Yesterday I called to check the status of my Modification requests and was told that the underwriter assigned to my file was no longer with the company ( which was untrue ), and that my applications was not complete. Ditech had lost a document I sent in TWICE before, and stated this is the reason I have not been reviewed for modification. I 've been asked to send in the non-borrower 's credit form XXXX different ways. My tax forms were sent in twice with my signature page a XXXX time. CS representatives actually instructed me to " just XXXX '' forms I could n't find on the Ditech website. One XXXX instructed me to download and send in a form that had another bank 's name inscribed. 
In another phone call yesterday, I requested a copy of my consumer rights and was told that no such thing existed. A supervisor said something to the affect that maybe I was referring to CFPB but they did n't have to provide copies. 
At this point I feel that my modification request is being intentionally blocked. The requests for multiple resubmissions of paperwork is nothing short of harassment. If this is the improved XXXX Ditech is supposed to be providing as a result of the Greentree settlement they are failing terribly. CFPB needs to stop Ditech. This site is full of stories just like mine.
Upon multiple attempts, including on XX/XX/18, to make a transfer from my HELOC with BBVA to my checking account with BBVA, my access to my HELOC was denied. Per the Home Equity Optimizer Account Agreement, I should be able to access by funds per telephone, however the customer service representatives are insistent that I need my XXXX card CVV number. This defeats the purpose of calling over the phone, since I do not have a XXXX with this account. The representatives explained to me that this was for regulations and security purposes. 1 ) There is no banking regulation that requires a CVV to transfer from my Heloc to checking account. 2 ) The representative already confirmed my identity by verifying account number, date of birth, credit limit, and last deposit amount, all in addition to calling through the mobile app that identified my account for them. 

My HELOC and my checking account have the same signers, only myself, so the risk of fraud is minimal, especially after verifying me several ways. 

I asked to file a formal complaint and was told that there was nobody that I could escalate this to, including a manager or supervisor. The representative told me they would send an email to their manager, but when I asked for a follow up from a supervisor, they told me they could not guarantee that. In other words, my request/complaint would be ignored. 

Ultimately my access to my consumer line of credit is being restricted and I am unable to use the line of credit per the line of credit agreement.
I have made several complaints about this terrible company. It is only a matter of reading all the comments by various customers to see what kind of company we are dealing with. 

Rushmore has a TERRIBLE reputation. You can never talk to a person who at least pretends to be cordial and not rude. For the most part, they are all rude. 

On Friday night at XXXX XXXX some woman XXXX calls me while I am driving. I am neither late nor behind. She is rude and threatens me while I am driving that I am late! That was XX/XX/XXXX! The due date is not until XX/XX/XXXX. Again yesterday, on XX/XX/XXXX which was my B day, I get another call from these horrible people which I actually hung up. 

They have been charging me escrow ; I paid more than XXXX dollars to VA department of taxation but they are also charging me again. I have told them that this amount is not right nor it is something I can pay because it is more than what I signed up for with another horrible company who sold my loan to Rushmore. I have the same demands as before : Lowering the total balance forgiving the XXXX late payments Lower monthly payment will be responsible for paying my own taxes An apology and returning the escrows they have charge me for months now. 

CFPB must take immediate action in helping customers like me who are being threatened and taken advantage of by who knows these investors and shark companies like rushmore. 

XXXX XXXX Here is what I read on line : This is just out of 66 complaints : Like may here, my loan was purchased by RLMS last fall and reading these reviews prepared me for the worst. As expected, my loan has had issues with on-time payment of escrow and their recalculation of escrow owned was laughably inaccurate ; just prepare for that if you've recently been transferred over. I will say that I was able to get on the phone with a person who, while them may not have been helpful, but were at least courteous to me. The good news is that I was able to send a fax to some number given to me from their customer service to have escrow account removed, my advice is to take as much of this ( PMI, escrow, etc. ) out of Rushmore 's hands as possible. It's been 10 months and my auto-draft payments also haven't been screwed up, so I'm on a roll!
AS OF   XX/XX/XXXX   MY CREDIT SCORE WAS  XXXX . I HAVE NO NEW INQUIRIES AND NO NEW ACCOUNTS IN COLLECTIONS. AS OF  XX/XX/XXXX    XXXX   XXXX   UPDATED MY CREDIT REPORT AND INSTEAD OF EQUIFAX ADDING THE NEW POINTS FOR A NEW ACCOUNT THEY TOOK THEM AWAY. OLEASE INVESTIGATE THERE IS NOTHING INDICATING WHY THE SCORE WENT UP WITH   XXXX   AND  XXXX  AND DOWN WITH EQUIFAX. I AM SURE THIS WAS A MISTAKE AND NEEDS IMMEDIATE ATTENTION. PLEASE FIX PROPERLY.
items that was deleted due to proven identity theft have been reinserted onto my credit report for the second time after being transferred back and fourth betweent he same XXXX companies. i also asked in writing for fraud alerts to be removed and they never removed them
before the XX/XX/XXXXdue date as well as the second payment was sent before the XX/XX/XXXX deadline. On XX/XX/XXXX XXXX XXXX XXXX XXXX filed a mortgage foreclosure on XXXX XXXX XXXX 
Ocwen portryed they could assit me. Instead left me homeless and short on funds. 
Ocwen also retained Insurance proceeds which were due me for 4 years. They had just released the funds XX/XX/XXXX. 

Ocwen purchased XXXX XXXX back in XX/XX/XXXX. However XXXX XXXX XXXX initiated and completed foreclosure on XX/XX/XXXX. They also received a default judgement on XX/XX/XXXX. ( At his time I was in a XXXX XXXX XXXX and eventually XXXX XXXX XXXX XXXX XXXX ). 

Ocwen Loan Servicing has also been repoting incorrect information to the credit beaureaus since XX/XX/XXXX until present. A I have never understood how Ocwen Loan Servicing could purchase my previous lender XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. was able to foreclose. This does not seem fraudlent to me. I am very interested in getting my home back to my ownership if at prayerfully possible. 

I have attached paperwork and cases
XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  SS #  XXXX   XXXX / XXXX / XXXX   XXXX , Equifax and   XXXX    will not investigate my unauthorized inquires on my report. They will not validate the inquires and they continue to ignore my request to deleted the unauthorized inquires. It has been over 60 days and by law they must deleted them all. all they do is say validated with no proof!!!!! who validated them give me a name and date and phone number of the person.       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   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   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  Delete all my unauthorized inquires from my credit report
Affliated credit Services calls me repeatedly. I made payment arrangements with them back in late XXXX early XXXX. They have continued to call me as if I 've never made those arrangements. When I tell them I have they check their files and can clearly see I have. It 's " been sent on to a supervisor '' twice now. I 've told them I 'm filing harassment charges. I have phone records on both my cell and land line to prove this. They need to stop.
I am a victim of identity theft and I lost my Capital One Bank XXXX and someone used my credit card and made over {$1300.00} in fraudulent charges that Capital One Bank is trying to hold me responsible for the fraudulent charges. I do not owe for this debt. The charges are not my charges. A representative called me from Capital One Bank and verbally abused me by swearing at me, telling me the fraudulent charges was made by me and threaten me with arrest and legal action. Capital One Bank is in violation of the Minnesota Debt Collection Laws and the Fair Credit Reporting Act.
On  XXXX / XXXX /  XXXX   I deposited 3 checks totaling {$1700.00} into my Chase checking account. The checks were initially put on hold for 2 days  ( 2 checks from other financial institutions )  and 9 days ( a personal check ). Subsequent to those delays my account was frozen and I was not allowed access to any of the money in my account including those checks. I called Chase on the  XXXX  and the  XXXX  of the month trying to understand the issue. On the  XXXX  I was informed that there was nothing that they could do and that my account would be closed and I would receive a check for the balance. After my call on the  XXXX  I contacted and confirmed with the three issuers of the checks that all  3  checks had been cashed and the money had been withdrawn from the accounts.     On the  XXXX  I received a check for the balance in my account less the {$1700.00} and on the  XXXX  I called Chase a  XXXX  time. I was informed again that there was nothing they could do and the balance on my account had been zeroed. During the call I suggested to the Chase rep that the money had been lost by them and he said " that is correct. '' He then retracted that statement when I challenged him on it. At this point I do not know how to proceed.
To whom it may concern, I am disappointed with the work that the company does Eppic cards, looking at my accounts note many irregular transactions that notify and dispute, waiting for a solution from your fraud department, your results have been very negative and unprofessional, I asked for evidence that was never sent to me and they offered it themselves, I want to do an investigation and their work is more efficient to the favor of their clients, it is too stressful to look at amounts collected rather high and only receive a letter with its inefficiency. I ask for more professionalism from this department.
for weeks sev.x a day.Wo n't lv.msg or identify. I picked up once & said if they wont dentify, send a letter.
I went to the XXXX XXXX and because I got an XXXX degree and is not a XXXX degree from an accredited XXXX year college I ca n't find a bank to refinance my private student loans. I have XXXX private loans which range from XXXX, XXXX, and XXXX interest rate. It has been XXXX years since I graduated and because of financial hardship a few years back, most of the loan principle balances are more than I originally borrowed.
Yes Hard Inquiries have been addressed with the 3 major Credit Reporting Companies however for reasons I am unable to understand or explain the Credit Reporting Companies fail to remove the Inquiries when they expire. XXXX XXXX XXXX made an inquiry on or about XXXX XXXX, 2015, that resulted in a HARD INQUIRY which should have fallen off my Credit Report however it remains and continues to be reported. There are other Hard Inquiries that will be expiring soon and hopefully they will be removed without submitting a Complaint or further review of my Credit Report History.
I checked my account balance for my XXXX Dividend card in XX/XX/XXXX to see I had a balance of {$41.00}. I had previously tried to withdraw this amount one year prior ( in XX/XX/XXXX ) but was told I could not withdraw until the balance was {$50.00}. I just recently returned form a trip abroad where I did not use this card due to foreign transaction fees. Then, this month, on XX/XX/XXXX, I logged on to my account again to find my dividend balance had dropped to {$0.00}. I called customer service immediately as to inquire about the reason. After a lot of time waiting on hold, the man I spoke to finally told me that, because I had not made a qualifying purchase in a year, the dividend dollars had expired, despite him originally telling me dividend dollars never expire. When i signed up for the card, it was advertised that the dividend never expire and nowhere in any fine print does it mention that they are subject to expiration after a year of non-use. At the very least, Citi should send notifications informing card holders of upcoming expirations. The man at customer service told me there was nothing he could do and the money I had accrued was just gone. I feel deceived and cheated by Citi Cards and want the money I am owed for business I gave them for years.
I transfer money to my cousin in XXXX on XX/XX/ and money was debited from my account on XX/XX/ but receiver never received the money. Today I call Western Union to find out what is going on with my transfer. They told me transaction on hold due to need more information regarding receiver. I told them when were you going to inform me they try to tell me they send me the email but he could not tell me when email was sent. Thay just lie about email and sit on my money without notifying me or receiver.
THE COLLECTION AGENCY PLACED A COLLECTION ON MY ACCOUNT ( XXXX ). AN THE ACCOUNT WAS PLACED ON THE REPORT AND NO INFORMATION WAS GIVEN ON THE ACCOUNT. THE INFORMATION LISTED WAS INCORRECT.
I faxed the mortgage company XXXX XXXX XXXX the 2011 Chapter XXXX discharge court case last week. XXXX XXXX XXXX continue to report the mortgage loan on my credit report, and I was called today about the mortgage payment for the month of XXXX. They informed me that they are attempting to collect a debt. This liability was never reaffirmed and was included in Chapter XXXX, which as discharged in 2011. The representative from XXXX XXXX XXXX informed me that they are aware of the Chapter XXXX discharge, but that I still owe the debt since they hold the lien to the property.
On XXXX/XXXX/2015 when I scheduled a online flight with Southwest Airlines I was made any offer by Chase and Southwest Airlines for a combined Chase/Southwest credit card if I completed their application on line, which I did and was I approved. The terms and features of that Chase/Southwest offer were as follows:1. A " {$200.00} Southwest XXXX Card Credit. " 2. A " XXXX Bonus Points after you spend {$2000.00} in the first 3 months of opening your account. " 3. A " XXXX Bonus Points after your Cardmember Anniversary. " I did everything according to these terms, but now both Chase and Southwest will not given me the features that were promised me at the point of sale.
Radius Global Solutions is refusing to remove a delinquency from my account even thought the balance was paid directly to whom it was owed months ago. I have completed two disputes but they refuse to admit that the balance is paid. I have contacted the original company to whom the debt was owed and they say that they have informed Radius that the balance was paid.
I received financing from Tower Loan to purchase a mattress in XX/XX/XXXX. Unfortunately, I had to file for bankruptcy in XX/XX/XXXX. Tower Loan violated the stay when their Regional Manager, XXXX, wanted payment on the account in XX/XX/XXXX and then belittled me for not being able to pay " such a small amount. '' I also filed a dispute regarding the account being listed with a balance and the account was updated to accurately reflect that it had been included in the bankruptcy. The bankruptcy was discharged on XX/XX/XXXX.  I have scheduled 3 attempts with Tower Loan for them to pick up the mattress. The first time was XX/XX/XXXX after the branch manager XXXX, called my work wanting payment for the discharged debt and I declined. He then called me again later that evening wanting payment for the discharged debts and when I continued to decline, we agreed to have the items picked up after XXXX on XX/XX/XXXX. No one came. XX/XX/XXXX, XXXX from Tower Loan called stating that the person who was to have picked up the items on the XX/XX/XXXX had hurt their leg and was unable to do so and we set up another time, XX/XX/XXXX after XXXX. Again, no one showed. XX/XX/XXXX they called my bankruptcy attorney making false claims that I was attempting to hide the property and that they had never set up any previous dates with me to obtain the recliner and mattress. I explained to my attorney these calls between Tower Loan and myself were recorded, therefor, I had proof these days and times were previously arranged with them and who then told them they had one last attempt to pick up the items and that was set up to be XX/XX/XXXX at XXXX. XXXX XXXX XXXX arrived on time on the XX/XX/XXXX and got the recliner that was purchased on another account included in the bankruptcy, but when I informed them they also needed to get the mattress stated that Tower Loan had not advised them to get it and they would not be taking it. They had me sign that they had picked up the recliner and I made a copy for myself which clearly stated 1 # to be picked up and returned to Tower Loan and listed the recliner and it 's serial number. Today, not only did Tower Loan call to harass me again over an item I have made 3 attempts for them to pick up, but they also placed the account back on my credit report showing a balance, that it 's past due, which it was n't when the bankruptcy was filed and that it is open. This violates Federal Bankruptcy Laws.
On XX/XX/2017 I checked my credit and noticed that Credence was listed on my report. On XX/XX/2017 I received a settlement offer letter. I never received a letter with notification of this debt or my right to dispute. Once I obtained this letter I did go ahead and send out a validation of debt letter to the company. Thus far I have not heard anything back.