WillisBack/dataset-financial-user-claim huggingface dataset:
After recently purchasing a new home in XX/XX/XXXX, my mortgage was sold to another company sometime in XX/XX/XXXX. According to my closing documents, my first payment to the original lienholder was set for XX/XX/XXXX. I submitted the payment XX/XX/XXXX via Bill Pay at my banking institution. I'd set up for automatic bill pay for the next payment as well, due XX/XX/XXXX. This payment was drafted out of my account on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice from the new lienholder, RUSHMORE MORTGAGE of the change in Mortgage company 's. I never received a notice from the previous ( original ) Company, XXXX XXXX. However, the XXXX payment had already been drafted out of my account on XX/XX/XXXX. 

I immediately called Rushmore to advise them and seek guidance. I was told " Not to worry, this happens all the time, you are given a grace period to resolve these issues ... '' Therefore, I did not attempt to cancel the payment with my bank. After XX/XX/XXXX, I recieved a call from Rushmore stating I was going to be marked as late for XX/XX/XXXX 's payment. I again told the representative that I'd made the payment to the prior company, XXXX and no funds had been returned to my account. The representative advised me they would launch a search into the missing payment. 

I attempted to contact XXXX and was told they did not have my account and funds would be returned or forwarded to the new lienholder. 

On or around XX/XX/XXXX, I received a call from the Debt Collection Department of Rushmore stating if I didn't make a payment for XX/XX/XXXX, my XXXX payment would not be accepted. I set up auto pay through XXXX 's website in XXXX, immediately after receiving the notice from them. I AGAIN told the representative what happened and that I didn't just have the funds to make payments I'd already made. She advised my to fax in my bank statements verifying payment made, I complied. She also stated if I submitted the XXXX payment it would go towards XXXX and once the investigation into XXXX was complete the funds would go towards XXXX 's payment, making the loan due XX/XX/XXXX and on time. I did as instructed. 

On or around XX/XX/XXXX, I received another call from Rushmore stating I was still delinquent. I again faxed in my bank Statements from the XX/XX/XXXX and XX/XX/XXXX payments and the cashed Bill Pay checked I'd received from my bank. On XX/XX/XXXX, I received notification that a negative action was taken on my credit by Rushmore stating that I was more than 30 days late for a payment. I have not had a late payment on my credit in more than 200 payments. This negative was contradictory of what I was originally told by Rushmore and the grace period to " work these things out ''. When I made that original call, I had time to cancel the payment, however was advised not to. Please assist in any way possible.
I spoke with someone XXXX 2017 at Accelerated Servicing Group : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, him and I ( I believe XXXX ) made arrangements to pay {$100.00} a month, I told him I 'd call by the XXXX, if not I will for sure call by the end of the month. The company has called a few times already this month ( XXXX ) and when I called " XXXX XXXX '' I told him I was calling to make a payment, that my grandfather just passed away so that is why it 's later in the month ( but still before the end of the month ) He Immediately started raising his voice saying hm ok, you are no longer trusted to make the payments and the client wants to do automatic payments. I said no, what? what do you mean? I am calling by the end of the month. I did n't even get a chance to tell him I ca n't do automatic payments because I 've had so much fraud on my bank account and it worries me. He told me my credit was garbage and that is why I ca n't be trusted. What does my credit have to do with who I am? this " XXXX XXXX '' does n't know our story nor would he care and he treated me with so much disrespect. He than said I 'm not talking to you anymore, have your lawyer call me and hung up on me. How do I work towards making payments if the person who is suppose to be collecting the payments wo n't talk to me? I am now in the middle of calling the credit card company trying to see if they will take my payments or send it to a different collection agency because I DO WANT TO PAY IT OFF but I ca n't handle the belittling and bashing from this company because the situation is n't picture perfect. I have read numerous complaints about this company and they do not care how they treat people and the only reason they get payments is because they bully people and do n't treat them like people. DISGUSTING!!
Despite several letters to Transunion regarding the following issue, they have failed to respond specifically to my complaint. 
They list an account, XXXX XXXX XXXX XXXX, with an " open-collection/charge-off '' status and show that the amount owed is XXXX % of credit utilized. This obviously and significantly impacts my credit rating. 
The problem is simple : if this account is in " collection and has been charged off '', there is NO AVAILABLE CREDIT and therefore a percentage of credit utilization is both misleading and inappropriate. I have addressed this to TransUnion several times with no success. XXXX, on the other hand, immediately corrected the problem. 

Please help.
Equifax insufficiently protected my information. I just found out that it 's been compromised. This happened weeks ago and they did not notify me - I found out about the compromise through social media and had to go to their website to verify that my information has been compromised. 

I 've already spent several hours freezing my credit info, requesting and reviewing credit reports to search for suspicious activity, and researching ways to ensure that i 'm made aware of any attempts to use my information illegally. 

I am extremely disappointed to learn that executives of Equifax took care of themselves by selling their shares of stock before taking care of the owners of the information they failed to protect. 

I expect prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Portfolio Recovery Associates bought a debt from XXXX XXXX XXXX. They have called my work number and stated that a person was at my home and I had better have a payment for them or they were going to garnish my wages. They continue calling all of my telephones, which is a {$1500.00} fine per call in the State of Florida. They are also trying to collect on credit card debt that is over 5 years old. I 'm about to contact an attorney to stop their harassment.
chex systems has account or file on me and I also reporting that some one used my information they never take off I can not use bank account to put my goverment chexevery mouth
Initially my loan was processed by Sallie Mae, but was sold to Navient. Without my knowledge, Navient consolidated the loans, removing them from Direct Loan status. I am a XXXX XXXX XXXX XXXX XXXX XXXX. When I first started working, my monthly net income was {$1700.00} and Navient was billing me for {$600.00} payments. When I contacted them, they encouraged me to apply for forbearance rather than IBR. Interest was capitalized, raising my loan balance from {$30000.00} to {$52000.00}. I learned about IBR, applied and have been making regular payments for almost 6 years.

I applied for public loan forgiveness and received a letter in response saying that my qualifications had not been reviewed and my application was denied because my loans were not in Direct Loan status. I was also told that IBR pay back is 25 years. 

Additionally, the loan is in negative amortization. I received a XXXX for 2018 indicating student loan interest received was {$5900.00}. This is the exact amount to the penny that I paid during 2018. The loan balance remains at {$52000.00}.
I had a Bank of America credit card, back in 2009ish the account was closed and I was contacted by a collection company claiming that I owed XXXX bucks. I was asking for the information behind the balance and because it was such a little amount told me that they were just going to close it because it wasn't worth their time to get me all of the requested information behind the tiny amount owed. The account closed and was removed from my credit report. Then about 2 years ago the account showed back up on my credit report. I contacted Bank of America to figure out what this was from, I have yet to get any information. I can't get the account removed. I can't get any information about the account. From what I can gather the account is already at the 7-year mark but the dates off delinquency keep changing so it just keeps on staying there.
I have a XXXX currency account with union bank, today I saw that there fees fo this account, already high at XXXX $ a month had increased to XXXX $ without any change of service. That is a XXXX %. Hight, on an acount they do not pay any interest in, nor have made any improvment to the service they provide. - this is in short words price gauging. - in the recent past they have engaged in multiple unfair practices, like not acepting a aditional fictitious business name on an acount - forcing me to open an aditional business acount which they then promptly charged, inspite the fact that I hold a significant amount of money on there ( no interest! ) XXXX currency and normal business account. ..
Transunion has reinserted a collection debt that had been removed months prior to the reinsertion. The debt collector is XXXX XXXX XXXX Acct # XXXX This was done without my knowledge or any explanation why. I did not receive anything in writing.
Around XX/XX/XXXX/XX/XX/XXXX, I received a letter stating the income based plan I was on with XXXX/Navient was ending because I was on it too long and my payments would increase from roughly {$72.00} a month to {$190.00}. I called them immediately and explained I could n't afford that. I was told to call back closer to XX/XX/XXXX when the payments would increase to see what could be done. XX/XX/XXXX, I started my graduate program again and got a one month in-school deferment only because I had exhausted the other months already. So XX/XX/XXXX when repayment began, the payments increased to {$190.00}, not XX/XX/XXXX as I was told. So I called and explained my situation. The rep completed a financial worksheet regarding all my monthly expenses. After giving her all this, she stated that there was nothing they could do because she calculated I had {$230.00} left at the end of the month to pay them. I did n't qualify for the rate reduction program or the reduced payment program. There 's no way I could give them that. My expenses fluctuate each month and I count on that to cover those or any incidentals that happen. I removed my automatic draft and began to pay what I could afford, roughly {$70.00} to {$75.00} each month. Unfortunately, my account began to fall behind because I was n't making the full {$190.00} payments. I then began receiving at least XXXX to XXXX calls a day from Navient about my account. I called back XX/XX/XXXX to discuss the account again. Another rep told me the same thing as the previous rep did. I still have too much money left over. I continued to pay what I could afford. On XX/XX/XXXX, I called again to discuss my account. I spoke with a XXXX ( employee ID # XXXX ) and was told this time that there is no payment reduction program and basically the other reps lied to me about it. He also said that they should n't have wasted their time completing the financial worksheet and did n't bother to take any info me this time. He offered two solutions : a payment plan to bring the account up to current. But that would n't resolve the overall issue of not being able to afford the payments. His other solution was for me to take out another loan from a bank and pay them, which is the most idiotic thing I ever heard. All of my other loan servicers have worked with me when I had trouble paying, regardless of how many times I 've had to ask for help. I have XXXX other loan providers and do n't have an issue with any of them. XXXX/Navient is the first to refuse to help. I do n't want them to default, opening myself up to a whole new set of problems. I need help and them to work with me. I 've had this loan since XX/XX/XXXX and when I was making payments, I never missed. And now, they refuse to provide any kind of assistance.
Since Seterus, Inc., has taken over my home mortgage I have had repeated problems with them managing, handling and providing me requested information and documents. I also feel they have, in part, violated the Real Estate Settlement Procedures Act ( RESPA ), 15 U.S.C. 1679-1679j, as noted below.

Below is a list of several problems in which I need your agency to assist me with if possible.

Issue Complaint 1 Failure to update my mailing address to reflect XXXX XXXX XXXX, XXXX, NC XXXX. 

# 2 Failure to provide me a copy of my original loan documents.

# 3 Failure to provide me a copy of my escrow statements for the last 12-months.

# 4 Failure to provide me an account payment history for the last 24-months. I contend that Seterus is charging me {$19.00} a month late fee claiming I am a month behind in payments. My records indicated my account is current.

# 5 Failure to process my request for an escrow account closure since I do qualify.

# 6 Violation of the Real Estate Settlement Procedures Act ( RESPA ), 15 U.S.C.

1679-1679j : 1. A consumer must receive an initial escrow statement which itemizes the estimated taxes, insurance premiums and other charges, if any, anticipated to be paid from the escrow account.

2. During servicing of a loan, the servicer must send a consumer an annual escrow statement summarizing the activity of the escrow account 3. If a consumer is charged an excessive amount for an escrow account or required to put extra money into an escrow account above the amount required by law.

ISSUES 1. My mortgage payment is {$710.00}, {$190.00} ( principal ), {$300.00} ( interest ), {$220.00} ( escrow ). However, Seterus has been debiting from my account and extra {$19.00} for the past several months for a late fee, I do not owe.

2. In XX/XX/XXXX, my mortgage payment went to {$920.00}, {$190.00} ( principal ), {$290.00} ( interest ), {$430.00} ( escrow ). NO NOTICE WAS GIVEN TO ME.

3. I have been advised I will continue to pay this escrow amount until XX/XX/XXXX. 
This is an excessive amount. My property taxes have remained {$2600.00} for the past two years, my insurance payment {$810.00} per year.
On XX/XX/2018 I I tried to deposit {$1000.00} into my Wells Fargo checking account. I used a remote ATM. I counted the money three times before I attempted to deposit the cash. I'm 100 % positive of the amount I put in the machine. The machine scanned the money and said, " deposit {$780.00}, correct ''?. I didn't see any option for incorrect money so I hit cancel. 

When my cash came back half of it was folded, crinkled, and had to be pulled from the despensor. It also only gave me back the {$780.00} that it said I put in. Again, I'm 100 % sure of the {$1000.00} I put in the machine. I was shorted {$220.00}. 

I immediately called the bank to see what to do. The person on the phone instructed me to tell him what happened and he would file it as a " claim ''. He told me this type of thing happened and they would take care of it. He said they would send someone out and it would probably be taken care of the next day, up to 10 days. 

I called the back a couple of days later after not hearing anything back. She told me the claim was still " open '' and that I would recieve a letter within 10 days. 

The letter I recieved said I would recieve " XXXX '' dollars back because the machine scanned the {$780.00} dollars. 

I called and spoken to several representatives at Wells Fargo for several hours ( most of this time on hold ). They transfered me back and forth between a representative and " the exective office ''. Neither department could tell me anything other than they had no overage on the ATM machine count. They said their reports showed no " jams ''. The money I recieved from the ATM machine was clearly jammed. 

I've asked what methods they use to investigate this and nobody could tell me anything other than the case was closed and there was no overage. 

I'm extremely frustrated and feel that I have no safeguard with my money against the bank. I was shorted {$220.00} from Wells Fargo and feel helpless.
1. Collections : XXXX/XXXX Account Type : Collection Agency/Attorney Creditor Type : Rental/Leasing Date:XX/XX/XXXX Original Balance : {$2500.00} Dispute this company : Identity Theft 2.XXXX/XXXX Account Type : ChargeAccount Date OpenedXX/XX/XXXX Dispute this companyI payment on time, There's no reason to automatically close my account. 

3. XXXX/XXXX Account Type : ChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$1700.00} Dispute this company : Identity Theft 4. XXXX/XXXX Account TypeChargeAccount Date OpenedXX/XX/XXXX Hight Balance : {$2100.00} 5.  XXXX/XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$1500.00} Dispute this company : Identity Theft 6. XXXX/XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$180.00} Dispute this company : Identity Theft 7. XXXX/XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$300.00} Dispute this company : Identity Theft 8. XXXX XXXX  XXXX Account TypeChargeAccount Date Opened : XX/XX/XXXX Hight Balance : {$300.00} Dispute this company : Identity Theft 9.  XXXX Account TypeChargeAccount Date Opened XX/XX/XXXX BalanceOwed {$930.00} Dispute this company : Every time I pay on time, I have paid off my arrears. 

10. XXXX Account TypeChargeAccount Date Opened XX/XX/XXXX BalanceOwed {$2100.00} Dispute this company : Every time I pay on time.There is no reason to close my account. 

11. CHASE CARD Account TypeChargeAccount Date OpenedXX/XX/XXXX BalanceOwed : {$2100.00} Dispute this company : Every time I pay on time, I have paid off my arrears.There is no reason to close my account. 

12. XXXX/XXXX Account TypeChargeAccount Date  Opened:XX/XX/XXXX BalanceOwed : {$1500.00} Dispute this company : Every time I pay on time. I have paid off my arrears.There is no reason to close my account. 

Appeal : I'm a wholesaler on XXXX. Closing my account has had a great impact on my business company and individuals. Every time I pay on time.
I have been a long time American Express credit card member. On XXXX XXXX, 2015. I received an American express Delta Sky Miles Offer Credit Card. The outside envelope has My Name and Address printed. Inside the letter, it has credit card offer for another individual with promotional code and address printed on the offer letter. I have other customer 's name, address and credit card invite code. This is not only exposed the other customer 's private information and may cause an identity leak. I also want to find out who has my credit card invite.
The credit reporting agency is making it extremely difficult for me to submit my police report for identity theft. They keep releasing my credit report without my permission, yet they require my id for disputes. It makes no sense. There are numerous inquiries that are unauthorized and accounts that are n't mine. They are also reporting an address that does n't belong to me and they refuse to update my report. They tell me I need to upload my documents, then they do n't allow me to upload my documents. They refuse to let me dispute illegal inquiries and an address that does n't belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX - is not my address and never has been. These accounts are not mine Show more Account name XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute cart Show more Account name UNIVERSITY OF XXXX Account number XXXX .... 
Recent balance {$3500.00} as of XXXX/XXXX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$3500.00} written off. {$3500.00} past due as of XXXX XXXX. 
These inquiries were not authorized by me Show more Account name XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX CARD Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX Date of request XXXX/XXXX/XXXX
I was told that my checking account at US Bank was going to be closed. Apparently because I had asked questions and supposedly made a teller cry, my account was being closed.
I filed a chapter  XXXX . It was discharged. I sent paperwork to Navient showing the discharge. They put my loans back in repayment mode. I had to ask for a forbearance. They have improperly directed me into the forbearance. I was not properly informed of deadlines.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against COMPLETE CREDIT SOLUTIONS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
I contacted the credit bureau  ( s ) a nd inform them that the information/account number being reported by   XXXX   XXXX   XXXX   XXXX  is not my account, please remove, and have   XXXX   XXXX    XXXX  provide a sign contract with my signature. With the the loan number being reported. The information was not removed.
I received a letter from a debt collector Diversified Consultants located at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , FL  XXXX  regarding a debt for   XXXX   XXXX   XXXX   for {$130.00}. I have not used   XXXX   XXXX   XXXX   XXXX  . I believe that I have been a victim of identity theft.
Put several inquiries on my credit report that were fraudulent, I have spoken to them numerous times with no aviel. I put a fraud alert on my credit, but they still wo n't do anything.      XXXX  on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX
I rented an instrument in XXXX ; which I returned XXXX. The owner refused to give me a receipt for the return but wanted me to sign a adding machine tape with a dollar amount on it. I refused to sign the adding machine tape. 
From XXXX to XXXX, I never received a bill nor any type of notice. XXXX of XXXX, I filed bankruptcy which was discharged XXXX XXXX. 
I received the first call from Fidelity XXXX, on or around XXXX XXXX, whom I have never dealt with left a voicemail which I have recorded stating that they were trying to collect a debt from me. 
XXXX XXXX, XXXX, XXXX, from Fidelity XXXX called me demanding payment and the return of the instrument that I already returned in XXXX. I explained that I already turned the instrument to the store and that the owner is committing fraud, and that I did file Bankruptcy in XXXX XXXX, which was discharged XXXX of XXXX and that she and Fidelity XXXX was in violation of the law attempting to collect a debt discharged in Bankruptcy court. I informed her that I would be filing a complaint. XXXX, of Fidelity XXXX stated that the bankruptcy did not affect her collection attempt. 

Meanwhile, I have had to block the owner from contacting me on social media websites XXXX from requesting to be a professional contact. I am beginning to get worried that he might cause me personal harm.
I have a negative pay status hurting my credit and its been paid a year ago. Its a medical bill that wasnt paid, and went to collection. So its listed as " Other '' and not medical.