WillisBack/dataset-financial-user-claim huggingface dataset:
I am continually having issues with my loan servicer, Rushmore Loan Mgmt Svs, but this issue is especially hard to swallow because it could have been prevented by them. They refuse to accept they made a mistake. I recd. a XXXX loan in XXXX of XXXX to pay the arrears balance and bring me current. When in the Mediation mtg., it was brought to Rushmore 's attention that I would most likely be approved for this loan and once I was notified, I would need an accurate figure to bring my acct. current. Once I was approved, XXXX notified Rushmore and Rushmore then quoted them the figure of just over {$27000.00}. The money was received as promised and to me like a XXXX mortgage. Not payable for 30 years or if I sold my home and " 0 % '' interest. The money arrived and credited to my acct. XX/XX/XXXX. My first payment being current was due XXXX XXXX, XXXX and every month thereafter. Not 2 weeks later I recd. a letter in the mail from Rushmore saying my escrow acct. was approx. {$2000.00} short and that my monthly mortgage payment would increase on XXXX XXXX, XXXX by approx. {$150.00} a month for a year or something. I have the exact figures but to tell you the truth, I was so angry that I pretty much just stopped breathing. I do n't remember much else that day. If I had a shortage in my escrow, why was n't that shortage or projected shortage included in the reinstatement figure they quoted XXXX. I had up to {$30000.00} I qualified for but I used the figure Rushmore quoted them and got the loan for just over {$27000.00}. They claim they do n't do escrow analysis 's on delinquent loans so as soon as I got current, they did the analysis and determined that would be the shortage. I know for a fact that my insurance and property taxes did not go up more than {$30.00} for the next year so where they came up with that {$2000.00} figure is beyond me and regardless, any shortage could and should have been included in the reinstatement figure, If I make a mortgage payment that includes escrow, they should have included that into their calculations. They refused to do another analysis after leading me on for 3 months and when XX/XX/XXXX came, I could not make the new mortgage payment with the increase. I pretty much lost it. I got a forensic review of my loan and found out its been securitized and I 've tried to talk to them about this but they refuse to do anything about it and continue to claim I 'm delinquent and wont reverse the additional monies they want each month. I ca n't even get into my acct. on line because they lock out all delinquent accts. I recently receive3d a letter of default at my house so now I 'm facing foreclosure and if I 'm forced out, that XXXX loan will become due and I have no way to pay that {$27000.00} off now. It 's just wrong that they can do this to people. I 'm sick of it and it needs to stop. How many complaints do you need to get on a company before they are shut down. I want to stay in my home and I want them to make this right.
in XX/XX/XXXX my mortgage holder third federal savings and loan XXXX fl. misread a letter from my home insurance provider XXXX XXXX and thought my insurance had been cancelled. after going back and forth between bank and my insurance agent XXXX XXXX XXXX fl.i presumed it had been handled as we sent duplicates of all paperwork and checked addresses were correct.i went north on vacation the end of XX/XX/XXXX received no further communication from third federal savings and loan until i noticed in XX/XX/XXXX that they took an extra {$400.00} out for my mortgage payment i returned to bank and after numerous visits found out they had drained my escrow account first before they started taking it out of my checking acct. since i am not a expert on escrow accts the amount they took out is confusing to the best of my knowledge it is between {$2000.00} and {$2800.00}. i have gotten a letter from the insurance department of third federal savings and loan on XX/XX/XXXX admitting their mistake and telling me i will receive full reimbursement to date after numerous trips and talks to bank officials it seems i am being stonewalled they owe me thousands of dollars and are not keeping their promise to repay me please help thank-you
On my hard inquiry on my credit report they are 3 capital one credit card hard inquiry that I did not open myself. I do believe that someone got them in my name.. I think someone got my identity and ordered them cause I never had a capital one credit card. Thanks alot and I look forward in hearing from you. Thanks
IVE COMPLAINED ABOUT THE INACCURATE INFORMATION ON MY CREDIT REPORT TWICE. THIS COMPANY IS TRYING TO DAMAGE MY CREDIT. THEY HAVE TO BE STOPPED MY LATEST ALERT RECEIVED ON  XXXX   XXXX   XXXX  (   XXXX    ).    XXXX   1. AN  ACCOUNT PROVIDER REPORTS THAT WHEN YOU FILED FOR BANKRUPTCY AND LISTED THIS ACCOUNT AS  XXXX  OF THE ONES YOU COULD NOT  PAY. ( FALSE ) 2.DELINQUENT  ACCOUNT CREDIT  CENTRAL REPOR TED THAT YOU DID NOT PAY THEM ON TIME  XXXX , THIS COMPANY IS DELIBERATELY REPORTING INACCURATE INFORMATION..
Was contacted in XX/XX/XXXX about a sorority debt that was due. Was told that I had to create a payment plan and they insisted I put it on a credit card if I could not pay it out of pocket. I was never given a written notice about the amount of the debt, or any additional information such as the right to dispute the debt. After giving them credit card information I realized I had the right to dispute but they had already subtracted money I didnt have from my credit account. The debt is now {$5300.00} and I dont know how much it was to begin with due to not having a written or official notice of this debt or any account number to track it. I do not owe this debt and was forced into paying it because they insisted I had to. I called them again in XXXX and they did not answer.
Attempted to contact Experian about the issue XXXX XXXX, 2017. Experian denied my request to review the account and repair the issues. I have student loan accounts that are all showing missing payments for dates of which the accounts were in forbearance. There is also a collections account that was closed in a recent bankruptcy.
I disputed my Transunion credit report for my installment loan from XXXX XXXX that was paid off on XX/XX/XXXX. In early XX/XX/XXXX my loan was updated to a paid status & XXXX loan balance. On XX/XX/XXXX, I received an update from Transunion that my previous dispute was resolved. However, Transunion changed the account status back to open and with a loan balance. I tried to dispute this again online and it said it required manual processing. I call them on XX/XX/XXXX and they said they could n't help because another dispute is in process. They would not except my explanation and said to call the creditor. I previously spoke with the creditor and they said they sent Transunion a paid loan status & XXXX balance on XX/XX/XXXX. A  copy of the information will be provided in my submission.
XX/XX/2017 WELLSFARGODEALERASVCS XXXX, NC XXXX RE : Request for ivestigation of Unauthorized Inquiry I check my personal crdit report and found an unauthorized credit inquired with your bank information i haven't give the authorisation to any institution to check my credit. I request the you initiate an investigation to determine who authorized the credit inquiry. If, once your investigation is completed and you find my allegation to be true, please remove the unauthorized inquiry. if you find the inquiry to be valid, please send me a description of the prosedure used in your investigation within 15 business days of the complition of the investigation. 
Thank you : XXXX XXXX XXXX
I am unable to timely withdraw my Bitcoins before XX/XX/XXXX ; I will now miss the fork date. Coinbase never even informed me of their decision not to acknowledge the new version of Bitcoin, so I was not able to withdraw my Bitcoin in time. Now that I have initiated the withdrawal, there are delays in the process. These folks seem shady.
XXXX XXXX XXXX/XXXX CREDIT CADRD NO.XXXX IS REPORTING AS CHARGE-OFF ACCOUNT WHEN IN FACT IS DISCHARGED TRU CHAPTER XXXX BANKRUPTCY.
USAA has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
XXXX XXXX debt collecting company wrongfully filed a debt from XXXX XXXX XXXX purported to have happened in XX/XX/XXXX ( 15 years ago ) on XX/XX/XXXX. I did not have any XXXX XXXX service but recall complaining about it to XXXX XXXX over 01 year ago. 

On XX/XX/XXXX, I called and spoke with XXXX XXXX agent. I ask the agent to remove the credit reported on XXXX for nothing I owe which was purported to have happened 15 years ago. After waiting for about an hour on the phone with the agent, the phone was hang up. 

Thank you for your help on this abusive and illegal credit reporting by XXXX   XXXX. The company 's address and contact is : XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
I need a detailed listing of every trnsactio my mortgage loan went through with Wells Fargo. I bought my home in 1998 through XXXX XXXX and then it transfered to Wells Fargo and no idea from there. Somehow it got put n to the hands of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX and t seems I was left out of the loop but yet foreclosed on. I Want to see all of these transactions that transpired up to this foreclosure. Ialso want toknow how a foreclosure started by XXXX XXXX XXXX, ells Fargo attornie whom was disbarred by New York state Attorney General XXXX XXXX was allowed to be changed to other attornies, using the same paperwork stated by XXXX XXXX XXXX, was even allowed permissable to foreclose. Wells Fargo, seems to me you have had to apologive a few times in your paperwok for some major discrepencies. I have no plan to stop my investigation in to this and I have called on Donald TrumpXXXX the news media and Senator XXXX XXXX for assistance.
On XXXX XXXX, XXXX, a subsidiary of IndyMac, fraudulently induced my late mother into executing a high-cost, predatory reverse mortgage transaction insured by XXXX after IndyMac was already ceased by the FDIC. 

The transaction declares that my mother received approximately $ XXXX, paid of an existing mortgage for approximately $ XXXX, demanded approximately $ XXXX in closing cost from my mother, and in return, she received a check for approximately {$200.00}! 

Since then, Financial Freedom and OneWest Bank have caused at least XXXX counterfeit instruments titled " assignment of mortgage '' to be recorded upon my mother 's title, the first of which falsely asserts that XXXX was the grantee, and resulted in the unlawful conversion and forging of a transferable record created without my mother 's knowledge, consent, or her electronic signature as required by federal laws ( XXXX and XXXX ). 

Upon checking the XXXX, I uncovered that XXXX, not Financial Freedom, OneWest, or CIT Bank, is declared the owner of the aforementioned unlawfully converted and forged eNote and corresponding paper note. To the contrary, OneWest as a Division of CIT Bank, not XXXX, is the foreclosure Plaintiff in an unlawful debt collection attempted commenced in the XXXX XXXX XXXX NJ as of XXXX XXXX using the aforementioned counterfeit documents and false statements.
I have requested that the following accounts be removed immediately from my credit report. XXXX XXXX XXXX Act # XXXX, XXXX  XXXX XXXX  Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX. These accounts are fraudulent accounts on my credit report. I have sent a certified letter to the credit bureaus disputing theses accounts, as they are not correct. I challenge the accuracy, compliance and reportability of this listing. 
These accounts are still being reported inaccurately and are extremely damaging to my credit : In accordance with the Fair Credit Reporting Act sect ion 168i, your company is required to reinvestigate these items and delete them.
Bought something off someone and paid through XXXX. The product never arrived. {$120.00} purchase.
During my flight on XX/XX/2018, XXXX XXXX was offering XXXX XXXX   Barclay credit card and I signed up them because it appeared to be a great offer. When I received the card I completed the steps to activate the credit card and I thought that the mileages will be issued automatically. Soon after in one of the promotion emails they sort of offered to reward about 20,000-30,000 miles just for making a {$20.00} purchase at a restaurant and they provided a list of restaurants. I don't eat out a lot, so I just overlooked the offer as a spam and went on with my life. 

At that time what was not clearly indicated was that the credit card as {$95.00} fee accrued upon activation and requires additional activation i.e. eating at a restaurant within a specific period to obtain the total reward of approximately 60,000 miles offered initially during the fight. This was in my view a very deceptive promotion, because they just made it look like the mileages were being offered just for signing up for the card with no strings attached. The only time that I knew that there was an issue is when my credit monitoring service indicated that there was an activity in my account. I immediately made the payment of {$95.00} to close the issue on XX/XX/2018. Then when planning my next trip in XX/XX/2018, I realized that I couldn't use my mileage because XXXX miles were not granted to me because I did not eat at a restaurant ( make a purchase ) to activate. Furthermore, the credit card was not activated ( as they say ) due to security issue. Then I learned that by that they meant I did not set a 4-digit security code and the credit card was suspended because of that soon after I received the card. 

I talked to them at length in XX/XX/2018 ( multiple lengthy calls ) explaining what had happened as outlined above, but they keep transferring me from on department to the other to explain the issue all over again. I have talked to XXXX XXXX, XXXX, and Barclay at length. Finally, I learned that the issue was with Barclay.  Even after asking them to close the credit card because I did not appreciate their misleading promotion, they promised that they'll have someone review the case and see if they can grant me the XXXX miles because of the security hold on their part, which I was not aware of in addition to {$95.00} fee and requirement to purchase to activate card. 

I just received a letter from Barclay stating they are unable to assist with the reward issues. 

In addition to their misleading promotion, they were quick to put damage on my credit score but slow to report resolution. My credit score went from about 850 to XXXX just because of the {$95.00} fee. When I last checked my credit score it also shows that the dept is still open.
My auto loan is with Capital One Auto Finance and I have fallen behind on my payments. In XXXX, 2015, they sent me a loan modification form, but I did not meet income requirements to get approved. My situation has changed and I now meet the income requirements, but they are saying I am not eligible for the modification. They can not, or will not tell my why I am not eligible so that I could have the opportunity to fix the problem and make myself eligible again. Because I have bad credit, I am paying 11.95 % interest and a payment of {$710.00} for a XXXX Pathfinder, and on a fixed income, this is just not doable. Why was I eligible for a loan modification in XXXX, but not in XXXX?
I I am receiving multiple calls from the below listed credit agency and harrassing letters with intentions of collecting a debt that does not belong to me. There was no option to dispute the debt, just an attempt to collect.
I began classes in XXXX of 2008 at XXXX years old. As an employee of one of the largest telecommunications companies in the country with XXXX XXXX. A college degree, an opportunity for advancement to better my skills to help support my family. I am currently XXXX and work for the second largest XXXX  company in the country XXXX XXXX XXXX. As a father of XXXX with my oldest being my XXXX year old son who is attending college courses himself. Have never been offered anything other than forbearance on my student loans managed by Navient formerly Sallie Mae. Under some of the original stipulations for loan forgiveness working on the maritime project and install and service high speed Internet. All of the information I received was faults I currently owe over {$44000.00} having never received a degree or been inside of the classroom as every course I took was online.
Sen t all  XXXX  cre dit bureaus to validate accounts over the last month and no action taken. Contacted the company in writing in  XXXX     2017  no action taken. They just sent a bill with my name on it. Never had an account with this company at all.
My financial hardship began when my husband which I am now separated from abandoned me on XXXX XXXX, 2015. My soon to be ex-husband relinquished all rights to the property which we resided by quit claiming his interest over to me. My husband no longer supports or assist me in any way financially. I obtained the assistance of a housing counselor in order to help me submit a modification request to my Servicer Penny Mac in order to assist me with getting the loan modified to an affordable monthly payment along with getting the account current into my name only. I submitted the modification request with the assistance of my housing counselor XXXX XXXX, 2015. I was approved for trial modification on XXXX XXXX, 2015. I was approved for the Final Modification on XXXX XXXX, 2015 after I successfully completed the trial modification payments. But, the modification papers included me having my separated husband sign the modification documents. The modification request clearly states that I was applying for the modification to have my separated husband removed from the loan along with obtaining an affordable monthly payment which I could afford to pay with my income only. The servicer requested the quit claim deed to show proof that my husband had released his rights to the property. I provided the quit claim deed to the servicer on XXXX XXXX, 2015. Presently, the servicer underwriter removed my Final Modification Approval because my separated husband would n't sign the modification agreement. The Underwriter stated on my denial that I notified the servicer to state that I did n't accept the offer which is a lie. I completed my modification trial plan based upon the fact that the loan would be modified into my name only. He was never suppose to be on the modified loan. The modification was submitted in my name only.
I do not owe Student Loan Relief Department " SLRD '' any money as they did not apply for a loan relief or any other services for me but I applied myself and as a matter of fact they do not have my wife 's SSN which is necessary to apply as we file taxes jointly. XXXX XXXX, XXXX XXXX, and XXXX XXXX know that I do not owe any money and slrd never applied for me and I have email proofs from them. This happened many times before slrd or their collection try to collect this money from me and when I contact them they say it was a mistake and no one will contact me any more then few weeks later they come back and try to collect the money again. Please check their F rating in BBB and their failure to respond to any of the complaints filed against them. Please help thousands of students this company trying to rip off by stopping their illegal practices to collect money they are not entitled to.
I received an expired settlement check from Ally in XXXX 2016 and called Ally Settlement Administrator where they told me to send it back and I would get a new check. A month went by and still no check so I called Ally and they said they sent it and where they sent it to. I did n't receive the check because it went to an address I lived at five years ago and had never even given Ally. They said they would resend a new check to the address I had originally provided and if I did not hear back I was to call again and ask for XXXX XXXX the manager. I have now left numerous messages, made calls and sent an email and have had no response or answer.
after have capital one credit became a hassle charge a late fee before i got my first bill charged me extra to pay over the phone and they would not set up a atutomatic payment once a month and up my rate XXXX percent so in frustration i stopped pay know they are trying to sue me
Forced to go into forbearance due to not being able to pay monthly on loan, subsequently the interest on these loans go up.
Checked credit report and seen an inquiry I did not make. XXXX XXXX, 2017.  Marlette Fund XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX XXXX XXXX XXXX XXXX
This collection company has re inserted a medical collection on my credit file to XXXX, This is unknown and this same company placed a previously medical that was my wife 's only which should have NEVER been placed on my credit file in the first place and had to fight it for months, which the bill was solely hers and she pasted away a while ago.
1. I applied for consolidation with Navient on XX/XX/XXXX. In the instructions for completing loan application and the Loan Application and Promissory, it explicitly states : under Borrower Understandings, Certifications, and Authorizations that " applying for a Direct Consolidation Loan and The U.S. Dept. of Education ( ED ) will provide me with the deadline by which I must notify ED if I want to cancel the Direct Consolidation Loan '' I was never notified of the deadline, Navient can not provide me with a copy of this notice. This has been going on for over two years. To further support, I have copies of letters from Navient to me stating " we are please to have been selected by the US Dept. of Education to service your student loans. '' The loans are listed with interest rates but the new interest rate is not specified, nor are the words loan consolidation. These letters are dated XX/XX/XXXX, the same date as the Consolidation Application. Then, 2. Also dated XX/XX/XXXX, I get a letter regarding repayment options, there is no Revised Pay as you Earn ( REPAYE ) offered in that letter. 
3. In a letter from Navient on XX/XX/XXXX, they make several allegations that do not comply with their own documentation. They say I had 10 days to cancel the Loan Summary Letter. There is no 10 day cancellation notification in this or any other letter dated XX/XX/XXXX because there is no letter on that date. Letters were dated XX/XX/XXXX and make no mention of cancellation or he new interest rate. 
4. Within months of the consolidation, the amount of the loan ballooned from {$48000.00} to over {$60000.00} and Navient laughed over the phone and couldn't explain why. 
To recap 1. Navient consolidated the loans without my permission and they repeatedly lied about documentation notifying me of cancellation. I have documentation to back everything up.

2. They never offered the REPAYE. And they lied about dates it was offered.

3. They refused to unconsolidate the loans and pretty much said there was nothing they could do.

4. They can not explain the exhorbitant interest rates applied to the loan that increased the debt by {$12000.00} in a matter of months 5. It has been 2-1/2 years and I am still looking for answers. I have exhausted and tried all avenues and no matter what I say, do or show, logic and common sense does not seem to prevail.