WillisBack/dataset-financial-user-claim huggingface dataset:
Since XX/XX/XXXX I have been asking for the legal documents that established the terms and conditions of my mortgages where I appear as co-participant. I did receive one of them but the other was never sent it to me. Instead they send me an statement letter without any customer friendly information. I have called again in XX/XX/XXXX and requested the documents again. They stated at that time that the request was wrong because I used the term buying instead of refinancing documents. At that point they reported that they will send the documents on XX/XX/XXXX. Today, XX/XX/XXXX I called them again since I have not received the documents requested. This time they stated that they do not have the documents and that I will have to call the notary who notarized the documents in XX/XX/XXXXin order to request it from his office. It should be noted that this mortgage went to a modification process that I did not participated. However, I continued to be responsible for the payments but they have failed to provide the statement that I have signed and that makes me responsible in the credit report. If it is possible, I would like to speak to an Spanish speaking agent. Thank you.
I am the victim of two credit repair companies. I paid fees for repair and credit scores improvements. My credit was ruined. The company sent forged documents to creditors disputing numerous accounts without my knowledge. Positive accounts were removed causing my credit score to plummet. Disputes fraudulently mailed caused companies to freeze my accounts disabling me to correspond with the companies.
Equifax , XXXX, and XXXX is fraudulently keeping a transaction on my credit report for an apartment complex when it knowningly has been reported as false.
Consumer disputed debt and requested proof to validate alleged debt ( Collector to provide original creditor 's contract with consumer 's signature ). Collector 's response was a statement of bill.
I mailed experian 3 times asking for the documentation that they used to verify an account on my credit report, all 3 times they have provided nothing other than a typical " account verified '' ..this will not suffice as a final answer to the request i plaed with them.in addition to not supplying me with any documentation, i was told they would not reinvestigate this dispute as if they investigated thoroughly the first 3 times ...
I 'm trying to avoid foreclosure with Bank of America. I 've called multiple times to get a payoff and left voice mails with my phone number as well as my e-mail. No one from Bank of America has responded. I put up my home for sale, and need the payoff information.
I made a purchase to an online platform around XXXX XXXX XXXX of {$370.00} then another purchase on the same platform at app. XXXX XXXX XXXX for {$130.00}. I checked my account yesterday XXXX XXXX later in the day and the later chg of {$130.00} was on my acct online but not the {$370.00} which was the first purchase. This morning XXXX XXXX around XXXX I checked the acct the {$130.00} was gone and the {$370.00} was there. I called cust scv and they said we see the {$130.00} and it was paid although it 's not showing. They explained that sometimes the merchants will capture the pmt then take it off then put it back on as the actual charge. I am reporting this because I am really concerned about how transactions have been showing up and disappearing causing me to be overdrawn. I have been in this business since 2011 and have never ever had another bank do this, so never have I heard of the merchants system taking the capture off then replacing it with the actual pmt charge. In XXXX there was sufficient money on my acct, extra money showed up of {$300.00} & some dollars. I thought it was monies from a sale I was expecting so although I thought it was released early I did n't think much else of it. This was on a Tues I think. By that Thursday evening all that was left was {$24.00}??? When I called they told me they do n't see where {$300.00} & some dollars was ever there. First, I had enough money and was not making that many purchases for what I had in there before the extra money, to end up with {$24.00} let alone that so many transactions came through to deplete the previous balance plus the additional money so basically over {$300.00} in charges they are saying I had it 's really confusing, and now I have to constantly check my account and make pdf copies to show proof of what I see because now it 's their word against mine about this {$300.00} and some dollars. I just feel there are some shady practices going on and I think I really need to reconsider where I keep my money. This is not convenient banking if I have to constantly monitor them, do hand calculations and audits matching transactions etc.
There is collection account in my name for a medical bill that is not mine. It's through Osh Kosh recovery but serviced by XXXX XXXX. We had an initial police report done and " XXXX '' at XXXX XXXX stated it wasn't a police report. Extremely belligerent and rude. I called XXXX XXXX Police Department and Officer XXXX clarified that it was a police report, however, we had him do another as another Fraudulent bill has appeared.We sent that report and its still according to XXXX being further investigated by Osh Kosh Recovery and is not being deleted from the credit reports. He stated they were attempting to get more  identity information like a drivers license and signature.Well, it clearly states in the police report that my wallet was missing and later found by someone. It was never reported in Wisconsin because nothing was charged or taken from the wallet. Signatures won't be mine but the Drivers license could be because it was in my wallet. XXXX XXXX has been horrible. Federal law states we can record the call regardless of state law as XXXX trumps state. XXXX has been horrible to my wife regarding this situation and this needs to be addressed. I have submitted all evidence and will not be threatened that they will re open the Osh Kosh account. Osh Kosh will not take our calls!
I tried to transfer over {$1400.00} dollars from Coinbase.com to XXXX.com and my money has been pending on XXXX.com for over 6 days now. I have emailed them for customer support, opened a support ticket, and tried calling but they are not responding.
On XXXX/XXXX/2015 I contact my bank and XXXX and there was no charge to my credit card except the amount of {$1.00}. I then asked XXXX what 's going on again I paid you took my credit card why is my account still not working saying I owe you money. 
The lady named XXXX said you are in collections again. 
I said I called the icsystems and I am not in there. She said you have to call them again ok so I did now all of a sudden with her on the phone there was a case in ICsystems.com with a case number of XXXX. She said that case is no longer with us I said how come I never received a letter from you. She said again she could not consult anything with me about XXXX. So not XXXX from XXXX resolution department said that I have to call this number XXXX I said who is this this is the collections she said. 
So I called it and it was XXXX asking me to pay another {$190.00}. 
I said I just paid you this through my card yesterday on XXXX/XXXX/2015 I am not paying you again. XXXX said it looks like the transaction is not going through. 
Its not going through although it took my credit card. 
I said if I get over billed what are you going to do. XXXX said we will take care of it. 
Really like you have taken care of everything so far I am beginning to see a major scam here and I have contacted the FTC.GOV I am also contacting every agency within the government for credit abuse this could also be a possible discrimination case against XXXX XXXX Please help me. 

I have all snap shots proof and documentations and to be honest no federal agency is helping me so it seems so far at all I get harassed daily. 

This is suppose to be a constitution equal opportunity state of XXXX am seeking justice in this equal opportunity state on ConnecticutIn regards to my family members that serviced this state representative XXXX XXXX was my uncle who served at state of Connecticut Representative. 

Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXXTel # XXXX
Speedy cash claimed I made an account with them in 2013. In 2013 I was able to receive any items like that because of the interest rate and because I was a military dependent which they are not suppose to give payday loan. Neither did i apply for it.
The company never addressed why they violated the Fair Credit Reporting Act nor the Fair Debt Collection Practices act. After violating the law, now I know who the original creditor finally is and at NO POINT did the original creditor ever speak to me by phone nor did I ever state I would write and send them a cease and desist letter at anytime. This is a fabricated lie to protect the facts of which they violated the law. Again, knowing now who this original creditor is, they communicated by email and are attached. 

NO mail of anykind was EVER received from them. As of XXXX, XXXX, we relocated back to Florida and since relocated back to Texas as of XXXX XXXX, XXXX. If they were running their business correctly, instead of adding frivolous small collections to unsuspecting people, they should have seen where I lived and actually contact me and they would have seen that the issue was address back in XXXX. 

Additionally, when any company or individual starts with " XXXX Based '' or starts adding religion to their explanations, this is for one irrelevant and usually are trying to justify their illegal acts. 

Lastly, look at the attached emails, those are the only communications from them in any capacity and again they are getting their clients confused as it lists a home on sutton place that is not even mine! 

They are a complete disaster. 


XXXX XXXX XXXX
XX/XX/2018. After further research regarding my XXXX  credit file I found that my personal information had been breached. After several attempts to have inquiries, collection accounts that have not been validated as belonging to me, and a bankruptcy reporting after being removed from my Experian report I've still yet to see any changes being made. This has caused a major issue for me when legitimately trying to acquire a mortgage and financing a vehicle for my families needs.
XXXX XXXX has been hired as a debt collector for XXXX to collect a debt of {$3500.00} that was fraudulently made in my name in XX/XX/XXXX of this year. In XX/XX/XXXX, XXXX XXXX would call me from a different phone number almost every day. They would not identify themselves as a debt collector. They would ask if they were speaking with " XXXX XXXX '' and I would confirm. Then they would ask me to a verify an address on file. The majority of the time I would not confirm or deny the address as being correct ( it was incorrect ). Instead, I would state that I need to know who is calling me and asking for this information before I could respond to that question. They would then respond that they could not tell me that until I gave them the information they needed. I would eventually hang up on them after stating that I do not give out information over the phone to people I do not know and if they would not identify themselves, I would not be providing them with any information. On one occasion, I did respond that the address on file that they have is incorrect. When they asked for a correct answer, I, again, refused to give that answer unless they identified themselves. They, again, refused to identify themselves without me giving them a correct address. Finally, I told them that I was going to report them to the FBI and that they need to stop calling me if they are unwilling to identify themselves. I did make a report with the FBI in the second half of XX/XX/XXXX listing a complaint with the above information and two of the phone numbers I had for them.
I ask the credit reports to remove the nigtive items, they 'll response is no, after I paid them in full, I and the credit collection agreement is if I paid them in full they will removed them in XXXX  days. 
Out my credit files. 
XXXX XXXX credit card confirmation number XXXX was paid XX/XX/XXXX Amount {$450.00} I spoke to ms XXXX XXXX ext XXXX I filed in errors numerous times with all XXXX credit reports asking them why is steal showing this account in my credit reports there 's response is colctoin.
XXXX XXXX XXXX XXXX ( Collection Agency ) has been reporting to the credit bureaus and they are not licensed or bonded in the state of Texas.
In XXXX we bought a new vehicle from a car dealership whom bought the previous vehicle financed by XXXX XXXX XXXX. The dealership sent the total payoff to XXXX XXXX XXXX before the 30 day mark. We noticed the inaccuracy immediately and informed this credit bureau. The creditor stated that they do not see where they reported it this way. XXXX instantly took it off after contacting the creditor. 

This CRA sent us investigation results stating that they verified the status. How is this possible? On my credit report ( which is attached ) under the STATUS it is reporting LATE and 30 days past due. This CRA is reporting inaccurate information and lying to consumers to save money by not fully doing their job to investigate inaccurate information for consumers. 

This inaccuracy is keeping us from getting approved for a new home and causing us financial damage and emotion duress. 

Please help us take action against this company, thank you for publishing tips on hiring legal counsel to help file a lawsuit. 

Thank you, XXXX XXXX
I have a student loan debt with Vermont Student Assistance Corporation ( VSAC ) and have been increasing my number of payments from monthly to weekly for several months as well as paying more than the monthly minimum payment. I worked with VSAC to set this up and they have allowed any extra payment over minimum per month to be applied to principal on my highest interest consolidated loan. This has been working very well and I am able to make more of an impact on paying the loans off. I received a call last week for a VSAC employee informing me I would no longer be able to do this because it puts an administrative burden on them to process payments this way ( ie, they do not want to process weekly payments instead of monthly with extra going to principal ) AND I would have to now make a phone call to them each month to have the extra applied to principal on the highest interest consolidated loan. I believe this goes against their stated policy that " You may prepay all or a portion of your loan ( s ) at any time, without penalty. '' Bottom line, by not being able to have weekly payments applied the way I have been, I believe they are preventing me from paying my loans faster.
THE ORIGINAL LENDER WAS UNLICENSED TO FUND THIS LOAN, IT WAS ALL DONE AS PART OF THE FINANCIAL CRIMES BEEN COMMITTED AGAINST CONSUMERS BY THESE WHITE COLLAR CRIMINALS, THERE IS AN OPEN CASE WITH THE DOJ, AND I JUST SUED THEM ALL AND JUDGES IN FEDERAL COURT
I checked my credit report just the other day. There is an account on my credit report from XXXX XXXX And XXXX opened XXXX XXXX, 2016. Balance {$800.00} There is no account Details the account status reads open. I did not get any information on this. I do n't know what this is, I do n't know what this is in reference to. I called Equifax last week I was speaking to someone as their system went down. I was on the phone 30 min trying to see what this account was. I asked the Equifax representative to send me documents that they had on file that they used to verify the accuracy of the above account. I have yet to receive anything Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
and Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. PLEASE REMOVE THIS UNVERIFIED ACCOUNT AND PLEASE REMOVE ALL NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD
OnXX/XX/XXXX I reloaded 2 netspend cards, {$1000.00} each.with another netspend card {$640.00} my information was approved and fully activated. netspend has mislead costumer to believe that they can use their money instantly but failed to keep up with that promise. Ive sent in documents needed for identity as i did for the card with the least money and it wasnt approved, my account for both accounts had now been blocked. i was told nowXX/XX/XXXX that i would be sent a check in the mail in 10days. Hoping its not a scam as others complained online about receiving a fake check. im still waiting.
I went past due on my SYNCB/WalMart account back in 2012. I made the payment in full and before paying I asked them to remove this negative tradeline. They said they would remove if I made a payment. This account was never removed ( bait and switch for full payment ).
I received a collection notice letter today, XX/XX/XXXX ( letter is dated as XX/XX/XXXX ) by Penn Credit Corporation, saying I owe {$840.00}. I had received a similar letter by them in XX/XX/XXXX regarding a debt about a car I have never owned in a state I only lived in when I was XXXX years old. When I called them, they asked me odd questions, such as if I had bought a car in a different state, if I smoked tobacco from another state or if I've won the lottery or gamble. In both letters I've received from Penn Credit, My last name is incorrect. I'm not sure if this is a case of identity theft or not, but when I contacted them, they told me to contact the IRS to dispute this debt. This debt isn't from the IRS and doesn't make sense. However, I did call the IRS in XX/XX/XXXX and they could not help me with this. I'm not sure what else I need to do, since I've begun to receive this debt notice, once again. I did email them today ( XX/XX/XXXX ) to dispute this claim. I'm hoping it is settled, however, I've read a number of disturbing complaints against this company regarding false debt collection.
CDR called my place of employment at the phone # listed above on XXXX/XXXX/2015. Told them not to call me at work. CDR called again on XXXX/XXXX/2015. On XXXX/XXXX/2015 they were told once again that they were not to call at my place of employment. They called again today XXXX/XXXX/2015 and when they were told that they were not to call at work, they hung up the phone without saying anything. I have phone records showing the incoming and outgoing phone calls. They have been told 3 times now not to call at work and they continue to call and are now hanging up when the phone is answered. I am attaching a copy of the phone record showing their calls and the return calls to them telling them not to call work and to send something in writing. Today 's call will not show because I answered it and they hung up on me. The other calls they left voicemail on my work phone.
XXXX XXXX, a company that my fiance and I rented an apartment from, sent us a letter stating we owed a lot of money that we did not owe. We had my fiance 's aunt-who is a lawyer contact the woman who wrote the letter. Our lawyer, XXXX XXXX, also wrote a letter to XXXX XXXX at XXXX XXXX disputing the debt. XXXX XXXX agreed the amount was wrong and XXXX XXXX stated she would send a corrected letter to XXXX XXXX. Neither our lawyer, myself, nor my fiance ever heard from XXXX XXXX after XXXX 2015. The next thing we heard was that a collection agency was trying to collect a debt in XXXX 2015. XXXX never even corrected the amount owed. I finally told the collection agency that we had a lawyer, but the collection agency reported this debt to the credit agencies anyway.
I have several issues with Navient, my private student loan servicer. For months following XXXX, I was only able to get part time work. Navient still wanted me to pay over {$200.00} a month. Now that I have a great job as XXXX, I still have a high debt to income ratio. I tried explaining this to Navient and gave them all of my financial information. They proceeded to yell at me/talk over me and insisted I made more than enough money. They threatened me with litigation, so I foolishly set up an automatic payment in the amount of {$200.00} for XXXX/XXXX/15. Unauthorized by me, they stole {$150.00} from my bank account on XXXX. I called and they said they would just take {$50.00} out on XXXX for a total of {$200.00}. They did take {$50.00}, but they also took another {$200.00} out on XXXX. So they never cancelled this as agreed. I call about this and they say they have no record of this and that it was cancelled. Do they not keep proper accounts? They then told me to upload bank statements to them. I did this-the statements are in pdf format so they should have had no problem viewing them. They told me the docs are blank and I need to try again. So I upload them again. I call and they tell me they are still blank. What is going on here?!? I feel completely scammed. When I asked them for the millionth time why they took {$150.00} out unauthorized to begin with, the rep just hung up on me. This is not okay. Something needs to be done about this fraudulent company.