WillisBack/dataset-financial-user-claim huggingface dataset:
i was affected by the XXXX/XXXX/15 outage that rush card had occur on their watch. i did not get my direct deposit until XXXX15. just about 2 days late. here i am on XX/XX/2015 it is XXXX as i write this, waiting for my direct deposit. i was told by the operator that i will be notified by telephone when the deposit reaches my account. that is little help when there are bills to pay and money to be spent to get to work. this is my second pay period dealing with yet another delay on my money and all i am being told is the system is back up and running etc etc etc. i even asked them to check to see if my deposit is on hold waiting to be put into my account and they can not even check that because their systems are not working properly. i have already taken the steps to not deal with rush card anymore with my direct deposit from my job. please can i get some help with this. this has been a very bad inconvenience for me through XXXX pay periods. someone should be held responsible!
I have applied for and closed on my residential mortgage loan with TD Bank. I was provided a loan estimate on in XX/XX/XXXX and again on XX/XX/XXXXand closing disclosure on XX/XX/XXXX without New York State and XXXX XXXX XXXX  property transfer taxes disclosed to me. Section E of the Loan Estimate was disclosed on all of these documents to be {$70000.00} which was sum of all transfer taxes. I received a revised closing disclosure on the evening of XX/XX/XXXX with {$27000.00} of property transfer taxes added. This was the evening before closing! I closed my loan onXX/XX/XXXX. This disclosure was provided less than 24 hours prior to closing. It is also my understanding that New York Real Estate Transfer taxes must be disclosed on the original Loan Estimate and can not be redisclosed ; and certainly not less than 24hrs prior to closing. This was a shock to see the additional required funds for closing and it amounted to {$27000.00}!!! I contacted my loan officer via email and phone on the evening of XX/XX/XXXX and again in the morning of XX/XX/XXXX before and during closing which was scheduled for XXXX. She would not respond to any emails and did not pick up/return my calls. I was forced to close under duress as this was a home purchase and I had movers already packing my current home and family in transit to the new property. My most recent contact at TD Bank was XXXX XXXX, Ops Manager ( XXXX  ) XXXX and XXXX XXXX  in Operations ; neither of them expressed any interest in addressing the matter. My attorney drafter a letter onXX/XX/XXXX to XX/XX/XXXX ( Chief Risk Officer ) and XX/XX/XXXX ( General Counsel ) at TD Bank at corporate headquarters with all of my supporting documentation and requested a prompt reply. It has been over a month and we have yet to hear back. I am livid that any lender, especially one of TD Bank 's size can operate in this manner. I was provided disclosures on the eve of my purchase transaction with an additional {$27000.00} out of the blue and when questioned, nobody would return an email of phone call. When i continued to request to speak to management, I was connected to a sales manager to told me TD Bank did nothing wrong and that's all they could say and would not elaborate. Absolutely horrible for TD Bank to operate in this manner! After speaking with my attorney, i understand that this type of transfer tax can not be added as a change or re-disclosure, again certainly not on the evening before closing! For a bank to disclose this large sum with no explanation at the very last minute is completely unacceptable.
I have contacted Experian on several occasions to dispute unauthorized inquiries of my credit report by several companies. Experian has simply refuse to investigate or remove inquiries from my credit file. I I have even written letters to creditors disputing inquiries but never received response.
XXXX lowered my credit limit by XXXX with no notice. Account has been open since 2012, and balance had been paid in full for most billing cycles. In this instance, payment was 6 days late. Company claims they notified me of this policy in 2012.
XXXX XXXX XXXX XX/XX/2017 XXXX, IL XXXX Hard inquiry - Needs to be removed Not authorized XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX, IA XXXX Hard inquiry - Needs to be removed not authorized XXXX XXXX XXXX XX/XX/2017 XXXX XXXX, MI XXXX Hard Inquiry Needs to be removed Not authorized XXXX XXXX XX/XX/2017 XXXX MN XXXX Hard Inquiry Needs to be removed not authorized XXXX XXXX / XXXX XX/XX/2017 XXXX XXXX, MN XXXX Hard Inquiry Needs to be removed not authorized XXXXXXXX XXXX  XX/XX/2017 XXXX XXXX, mn XXXX Needs to be removed not authorized hard inquiry XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX CA XXXX XXXX XXXX, MN XXXX XXXX on the same day - Please delete hard inquiry not authorized XXXX XXXX XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX XXXX TX XXXX Hard inquiry please delete not authorized XXXX XXXX XXXX XXXX TX XXXX Hard Inquiry needs to be deleted not authorized XXXXXXXX XXXX XXXX XXXX XX/XX/2017 XXXX LA XXXX Needs to be deleted not authorized XXXX CO Dual Card XX/XX/2017 XXXX, FL XXXX Needs to be deleted not authorized XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Not authorized Needs to be deleted.
My second mortgage with BSI Financial Services was transferred to XXXX Mortgage. This debt was discharged in my Chapter XXXX bankruptcy in XXXX. BSI has it listed twice on my XXXX report ( attached ). They have correctly listed it as " Bankruptcy Chapter XXXX '' on the first listing..but on the duplicate they show " 120 days past due '' and show XXXX late payments of 150 days late or greater from XXXX of XXXX through XXXX of XXXX. This is two years AFTER the debt was discharged in bankruptcy. 

I have already disputed this with XXXX and they left the item on the file. This is a violation of the Fair Credit Reporting Act AND the stay provided by my Chapter XXXX bankruptcy in XXXX.
I have disputed this bogus account with the credit agencies in XX/XX/XXXX. At that time Midland confirmed the amounts were correct. In XX/XX/XXXX, I received a letter from attorney XXXX XXXX that apparently was retained by Midland, demanding payment for this bogus debt. I replied to this notice requesting further clarification. XXXX XXXX replied indicated that he filed a lawsuit against me - apparently because I asked for further clarification. State of Hawaii XXXX court records indicate that Midland filed suit number XXXX on XX/XX/XXXX. As well, Midland has made NO ATTEMPT to serve me with with bogus lawsuit in order for me to properly answer and submit my own discovery requests. Additionally, shortly after filing this lawsuit Midland has reported to the credit reports that I now owe {$1000.00} -an amount much greater than the {$630.00} they already confirmed due. This is in direct violation of FDCPA 808 ( 1 ). See attached screen shots.
XXXX XXXX from oracle financial group called me stating someone had filed a complaint about me and telling me to verify my last four digit of my social without verification. I asked who he was calling from and that I was n't going to answer any questions they asked me. He told me no worries he was going to call my parents to give me the message and clicked. My dad received the call and he stated that he was an attorney and asked my father if he spoke English, immediately once my dad told him he did n't speak English, he told my dad to learn English or to get someone who speaks English. After that my husband called XXXX XXXX and try to get some information. My husband asked if he was calling from an attorneys office and he stated no. So why would he tell my dad he was an attorney. He also told my husband he was n't going to stop calling me that he was going to call everyday and harass me. I called them myself and spoke to a XXXX XXXX. I told him to send me verification about the deft and in the letter it is the wrong amount.
I received a letter by mail from American Coradius International LLC stating that my XXXX balance was in debt and i owed {$280.00}. This statement is wrong. After logging into my account online through their website I see that my balance is {$0.00} and i do not owe any money.
I am having a problem with Synchrony Bank. I saw that they are reporting an account with JCPenny on my credit reports. I have written to them multiple times asking them for evidence bearing my signature that shows I have or ever had a contractual obligation to Synchrony Bank or JCPenny. I have not received anything that I requested and it is still being listed on my credit report from all XXXX of the Credit Reporting Agencies.
RE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX PROBLEM : XXXX XXXX was recording this account to all 3 credit bureaus XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX then the credit card number was reissued due to Lost and thereafter all of the information disappeared from all three credit bureaus and was never reported with the new credit card information and payments applied however XXXX  XXXX is now claiming that they have continuously reported the new information to all 3 credit bureaus since then that is XX/XX/XXXX however none of that information as shown up on any of the three credit bureau report associated with my name and social security number even though that information has been verified by XXXX  XXXX and the three credit bureaus yet nobody can solve the problem why it is not appearing and being reported on my credit bureau reports. I have noted online that there are several other XXXX XXXX credit card holders experiencing the same problem and that is not just me so this must be some kind of it either an engineering problem or some kind of a scheme going on to manipulate consumers. The following is an excerpt from my 3 Bureau credit report from XX/XX/XXXX the last report that this account was reported to all three bureaus : Account Name XXXX Balance {$580.00} Credit Limit {$750.00} Usage 78 Type REVOLVING Status Current Opened On XX/XX/XXXX Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 78 % Balance {$580.00} Balance Updated XX/XX/XXXX Credit Limit $ 750 Monthly Payment {$25.00} Past Due Amount - Highest Balance {$780.00} Terms Revolving Responsibility Individual Your Statement - Comments Account was in dispute-now resolved-reported by subscriber Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Contacted Navient as I was placed on XXXX XXXX in support of XXXX XXXX with the XXXX XXXX XX/XX/2018. Navient has harassed my children former spouse elderly and XXXX parents and my sister 's. They have called over 100 times. I have contacted Navient and was told if I pay them XXXX ASAP they will clear the Loa s and Mark paid In full. I have submitted military XXXX  and the amended extension  which Navientsaid they never received. I told Navient with Being on XXXX  how was I suppose to get that amount of funds as I am on military XXXX. Navient told me to borrow the money from my family. I tried telling them the .oans shoj , d have been placed under protection while I am on XXXX XXXX XXXX. I pleaded with them to please not call my family as when they get a call and hear my name they assume the worse and something had happened to me. Please assist and advise. Navient told me they can resort to any means they see fit to get a hold of me and regardless if pay me d 's are Being made the payments are not the full payment amount that if I bad a car I would owe a certain amount so I need to pay.
I received a pre qualified offer of a personal loan in the mail. I called the company to find out what their rates are because it is not in the letter and I could not find it online. I was told that I will be given the rate once I apply. I'm pretty sure that's illegal. So basically I have to take a hit to my credit to obtain a rate for a loan that I might not actually want because I don't want to pay their interest rate. When I explained that I wasn't interested in applying until I knew how much it would cost me she was adamant that she could not give me the rate or range of rates. " it will be in your loan docs ''. I can't even find out the terms of the loan until I apply. Legitimate lenders do not operate like this.
Please see attached CFPB complaint and email correspondence pdf noticing all the main contacts of the parties I have been sending my ongoing requests for documentation to. 

[ CIVIL CODE SECTION 2332. As against a principal, both principal and agent are deemed to have notice of whatever either has notice of, and ought, in good faith and the exercise of ordinary care and diligence, to communicate to the other. ( XXXX : XXXX ) ] I spoke with XXXX and his supervisor XXXX XXXX XXXX at the CFPB to ask specifically why no action had been taken on my complaint # XXXX that was directed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . They said that this company is not " registered '' with the CFPB so they ca n't forward the complaint and that they do n't handle complaints related to this matter! 

XXXX also told me they submitted my complaint on XXXX XXXX, 2015, to the FTC 's Consumer Sentinal Network developed for civil and criminal enforcement and gave me the FTC number to follow up. ( XXXX ) XXXX. 

When I called the FTC, the phone prompts referred me back to the CFPB for my mortgage related complaint. I pushed through the FTC phone tree and spoke with XXXX who said they do n't handle mortgage complaints and that is the CFPB 's role. I told her that the CFPB had sent my complaint to the FTC but when she checked the database, nothing came up. 

I called the CFPB again and spoke with XXXX ( # XXXX ) and updated her on my talk with the FTC and asked her who I could speak with about getting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX registered because they are one of the entities I wanted to report. This debt collector law firm is in violation under the FDCPA, and has been trying to steal my home for the last year with apparent authorization from Nationstar Mortgage, who is a debt collector as well! 

I am now re-submitting this complaint to Nationstar Mortgage, XXXX, XXXX and XXXX XXXX XXXX and look forward to straight answers and a collaboration that will save us all time, make everyone accountable and with administrative remedy, avoid the court system at all costs. We all need undeniable proof of who is entitled to enforce the alleged note and who exactly the obligation is due, if anyone. 

On Wednesday, XXXX XXXX, 2015 there is another illegal auction scheduled for my home via XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX supposedly on behalf of Nationstar Mortgage on behalf of an alleged trust held by XXXX that was never funded on time and remains empty. 

You must cancel this illegal auction now and produce the documents requested! You have all been noticed, again!
On XX/XX/2018- I was loaned {$800.00} via online by Amplify Funding. The payments are extremely expensive and due to the recent Hurricane Michael- I am unable to continue making these high interest bi-weekly payments. After researching my options, I discovered that Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money. The current interest rate on my loan is 778.88 % - a significantly higher interest rate
XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. I am writing this letter because I noticed that my most recent credit report contains one late payment, reported in XX/XX/XXXX for my XXXX XXXX XXXX XXXX account. 



I want you to know that I understand my financial obligations. I was out of town for the Holidays during this period, and I did not realize that I missed a payment on this account. I have never had a late payment since opening this account in XX/XX/XXXX. I made a mistake in falling behind, and up until now, I've had a spotless record of on-time payments with this account.
Months after I closed my XXXX account last XX/XX/2017, i started getting a {$60.00} bill from XXXX. The bill has no detail. It just says that I owe {$60.00}. They send me the bill by mail and email. I called and and they weren't able to find the account number listed on the bill. They weren't able to tell me anything about the {$60.00} charge. I responded to their email and they never wrote me back. I keep getting the bills every month. I called them a few more times. Same result. Now I'm getting notices from a bill collection agency. Instead of {$60.00}, they are asking for {$160.00}.
I filed bankruptcy in 2010 and lawyer had to include mortgage.I never skipped a payment even though I did not reaffirm, which lawyers apparently do not tell you reaffirm.But my mortgage and second mortgage have stayed on my report.I have since paid off my second mortgage and continuing to pay original mortgage. If the not reaffirming mortgagges is reason, should n't at least the second one be removed, paid as agreed. The remarks do n't reflect what has happened.Account status should open on mortgage and paid as agreed on second mortgage
RECEIVING TEXT MESSAGES ON THE APPLICATION " GOOGLE HANGOUTS '', REQUESTING I CALL A CERTAIN PHONE NUMBER TO DISCUSS DEBTCOLLECTION, FOR DEBT I DO NOT HAVE. CLAIMING TO BE FROM A XXXX. THEY HAVE CALLED ME AND LEFT BLANK VOICE MAILS ON THE APP. AS WELL. PHONE NUMBERS FOR SCAM ARE AS FOLLOWS ; XXXX AND XXXX.
I received a one collection notice on XXXX XXXX, XXXX from XXXX XXXX XXXX. The collection notice was for XXXX XXXX in XXXX - XXXX XXXX XXXX, XXXX, TN. These medical bills were paid or written off. I 'm a XXXX Veteran. The VA pays all my non-VA medical services. I filed a claim per VA guidance and never received a bill from this facility or physician. 

When I contacted XXXX XXXX, they had changed their name to Wakefield and Associates. I wrote them a denial/dispute letter on XXXX XXXX, XXXX. I have not received any contact from Wakefield. I sent the dispute/denial letter certified mail. Wakefield received the certified letter on XXXX XXXX, XXXX, at XXXX XXXX, signed by XXXX XXXX. I have the scanned signature. 

I called Wakefield on XXXX XXXX, XXXX and spoke with XXXX, then XXXX. I was informed that I had XXXX bills from XXXX XXXX Hospital. I was told a supervisor XXXX XXXX XXXX would call me on XXXX XXXX, XXXX. That did not happen. 

I called Wakefield on XXXX XXXX, XXXX and spoke with XXXX. XXXX was going to review the XXXX FAX I sent Wakefield, and call me back at XXXX XXXX to discuss. That did not happen. 

I called Wakefield on XXXX XXXX, XXXX and spoke with XXXX. XXXX tried to get me to pay and I reminded him this account has been disputed. XXXX said he would forward me call to a supervisor. 

Basically this is a " ghost '' account. I used a local hospital, my XXXX covered the cost and the VA covered my deductibles and any other charges. 

I contacted XXXX XXXX Hospital on XXXX XXXX, XXXX, which I learned is now XXXX XXXX. I spoke with XXXX in patient accounts. She was able to pull up my services received for year XXXX. There were only 2 days of service, both in XXXX XXXX. They have been paid. I ask her to look up any service dates on me. She said there were only XXXX, XXXX in XXXX and XXXX in XXXX. Both have been paid at the time of service. XXXX is going to mail me these records ... because of XXXX laws she could not scan/email or fax. 

Please help me get these accounts off my credit report. Wakefield does n't seem to care or have any intention of having these removed. Why are these type of companies never held accountable? I 'm trying to work on my finances and keep a great credit rating for a large purchase soon, but this cost me XXXX points on my credit rating. This means a lower interest rate, or no financing at all ... basically this mistake is going to either delay my purchase or cost me money. 

Thanks in advance. 

XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, 2016 California Consumer Protection Agency Dear Manager, I spent {$100.00} to buy a {$100.00} gift card in XXXX XXXX market on XXXX/XXXX/16. But the card never work. Following their instruction, I faxed over the gift card receipt. And they gave me a pin number for activation. But there is no money on the card and I could not used it. It just a barely scam to steal my money. 
I am a senior citizen and my income far below the income level. Your prompt attention to have my money back would be appreciated. XXXX XXXX
About 2 Fridays ago I was wrongfully " Denied '' a loan because of some type of negative credit entry on my " Experian '' credit report. I immediately contacted " Experian '' and they promised me to immediately mail me my FREE copy of my " Experian '' credit report. As of this writing ( 2 weeks later ) I still have NOT received my " Experian '' credit report in the U.S. mail as " Experian '' promised me 2 weeks ago!!!
Sallie Mae has been harassing myself and my co-signer with phone calls all day, on our cell phones and work phones. Yesterday I received 5!! Co-signer got 6. Its all day long. Getting in trouble at work for our phone continuously going off.
I received my response back from XXXX XXXX from the CFPB on XX/XX/2018 and XXXX XXXX stated that they are not required to show original contract,, XXXX XXXX still violated my right by not responding to my certified letter by mail, ,within 30 days I've showed proof that I sent them a certified letter and proof the day they received it, by law they were supposed to respond to my certified letter,,, I haven't gotten no response from them my mail,,, I even asked to received information on the verification process that was done to verify the account that's reporting on my credit file, they still haven't sent it and its pass the 30 days that they were allowed to reply back which they have not did,, I am a consumer and they supposed to respond back to my certified letter if they reporting items on my credit report,,, I asked for information and by law I should have received a response within 30days. they failed to do so XXXX XXXX has violated federal and state laws,, by not replying in a timely manner,
Transunion fails to remove the XXXX account. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.