WillisBack/dataset-financial-user-claim huggingface dataset:
I received a phone call from XXXX at XXXX pacific time, they asked for a person with my same last name but had my first name pernounced incorrectly so I told them they had the wrong number. I called the number back out of curiosity and it states XXXX XXXX XXXX Knowing I had registered my number with the US government to do not call I have no idea why this number would of called me. I blocked that number and I want it to stop whoever it is plain and simple.
On XX/XX/XXXX a board member signed a {>= $1,000,000} line of credit with another homeowner, stating the monies would be used for emergency upgrades to our six acres of oceanfront property in XXXX XXXX XXXX. We have sixty unit owners and we were not aware of the XXXX XXXX dollar credit line. Prior to this commencement of the credit line the community was special assessed a total amount of {$290000.00} divided by the sixty units. In the event that was not paid immediately we would personally be foreclosed on and lose our homes through the new management company and the managements company personal attorneys. 
Additionally, the bank accounts in this community were depleted of all reserves and monthly funds in XX/XX/XXXX by this same board member, without drawdowns of our funds and without knowledge of funds disbursements. 
First and foremost, we have condo documents which do not allow for any expenditure over {$1000.00} without an excess of 75 % vote agreeing to the expenditure in writing. 
The person who is responsible for this XXXX loan/credit line was the person who without notice hired the XXXX XXXX XXXX and also hired their Attorneys, as now our attorneys of record, which later reveals they were all party to the {>= $1,000,000} line of credit. 
Upon signing that loan the collusion started with a new self appointed board of 5 unit owners immediately. The 5 self appointed homeowners were not board members legally until XX/XX/XXXX, and yet they had obtained allowance from the bank to start bank withdrawals as soon as that loan of {>= $1,000,000} commenced on XX/XX/XXXX. 
The bank Allowed this person to lien our sixty units as collateral for bank repayment. We have written letters to the Head quarters of this bank, they have responded that they can not give any details about the loan because we are not the responsible party for repayment. 

We have been forced to pay the loan on a 4 year payment plan at nearly each unit to pay approximately {$17000.00} each. 

The funds were never spent on the projects. The liens of real property are still on all properties for collateral for this loan. The 7 people and the Attorneys and the management company are changing the loan terms every 3 months, are using the funds for their personal life style needs, are foreclosing on our neighbors. They have a 30 year mortgage and the unit owners were forced to pay the XXXX credit line in 4 years. 

Please by the grace of XXXX help us. We have evidence that reveals all the people are involved are financing terrorism through this community. We have documents XXXX 's of XXXX  Laundering of millions of dollars associated with this community and its partners mentioned. Please contact homeland security for all documentation of such. I fear for my life and I will need protection to provide,
XXXX XXXX and XXXX on XX/XX/2018 notified me of a 30 day late payment on my mortgage through my mortgage company Freedom Mortgage. I pay my mortgage electronically through my banking institution and have never been late with mortgage payments in 16 years. The issue is the escrow increased and I was not notified. The actual monthly payment was submitted but the {$40.00} escrow increase was not included. I was not notified of the escrow increase.
I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX   XXXX XXXX ) XXXX , XXXX XXXX, XXXX XXXX XXXX
Actually in a lawsuit but may arrangements to pay {$100.00} on the XXXX th of each month. Still calling
Hello, My name is XXXX XXXX. We ( my spouse and I ) are retired. I believe that the cardealership wherewe purchased a car ( XXXX XXXX and NISSAN MOTOR ACCEPTANCE CORPORATION, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ) has misleadus by financial misrepresentation which may make the car purchase costus more thanwe believed it would. 
1. While negotiating with the salesman, on the phone and E-Mail, our understanding was that : a ) The discounted sale price of a XXXX can be achieved only if the car is not paid by cash but by going through the dealership 's financial department. 
b ) The agreed upon discounted sale price ++ ( bottom line of {$35000.00} ) will not be affected by financing the initial purchase.We can " PREPAY THE LOAN '' without penalty or any other charges. 
2. The loan officer was going through the paperwork very fast and coerced us to sign an agreement that we were not given enough time to understand. 
3. When we took the car home and went through the financial contract we found out that : a ) The loan term is 72 months b ) The ANNUAL PECENTAGE RATE is 4.65 % c ) The amount of Payments is {$560.00} d ) Monthly beginning on XXXX/XXXX/2016 Is there anybody that can help us in this matter? 

Please let us know. 

Respectfully, XXXX and XXXX XXXX, XXXX, XXXX XXXX FL XXXX
I am XXXX XXXX XXXX, and someone who knows XXXX XXXX or XXXX XXXX used my PII as a XXXX XXXX ( XXXX XXXX 's husband I suppose ) to rent an apartment at XXXX XXXX in XXXX, XXXX ( who turned the debt over to a NCC Business Services in XXXX, XXXX XXXX ). They claim I damaged an elevator to the tune of {$2000.00} and I have lived in my home at XXXX XXXX XXXX in XXXX, XXXX for the past 25 years and my marriage of the last 13 plus years is solid, so I have no idea how I became the victim of this identity fraud. I work for the XXXX for the past 13 years and was notified that PII for all government employees has been compromised and I have put a lock on my credit with a security alert. I have notified XXXX XXXX and NCC by email and in writing that this is not my debt and a fraudulent attempt to obtain monies from the wrong person.
Navient took all of income tax refund. XXXX. 5 months to date and still have not applied it to the loans. They continue to charge late fees and interest. With the XXXX, XXXX of the loans could have been completely paid off. I dont believe I am responsible for late fees or interest since they have had the funds all along.
I reached out to my mortgage company Ocwen Loan Servicing in XXXX regarding a hardship we were suffering..My husband has XXXX and does XXXX at home and is in the process of getting a XXXX from myself ... Sadly he was let go of his job in XXXX..I contacted them asking to help lower our mortgage payments temporary until we get on our feed and they kept on losing my papers that they requested and kept on wasting months of time to denie helping us ... I mailed them my XXXX mortage 14 days ago and it is not cashed ... they have done this to us before to cause us to fall further behind ... I have emailed them many times and getting no answers ... .I need someone to find out where my mortgage payment is and to deposit it ... .I have never dealt with such incompetent people than this company ... We are living on my husband 's unemployment and paying for our XXXX insurance so he can get his XXXX next month and they will not help us..If you look into this mortgage company you will see how many mass lawsuits have been against them from causing people to lose their homes..
For most of my life i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that i did n't open. They are all over the XXXX XXXX XXXX area and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not like I used it anyways but still I do n't have a good start. I went on line a couple times to dispute stuff and nothing happened. Since having my report ran and talked with the federal trade commission they advised to submit documents to credit bureaus and negative source who is reporting. and to keep responses and when it was sent.
Experian purchased a fraudulent contract from Attorney XXXX XXXX XXXX. The XXXX XXXX XXXX firm has absolutely no proof that they have rendered any service amounting to that amount. I paid them a small amount for a 30 day eviction notice. That is the only service that they performed for me. All anyone has to do is contact the XXXX XXXX XXXX firm and ask them for any documentation supporting their claims. Experian did not do that. Experian tells me that they are not required to check the validity of claims.
The problem that I am experiencing is that I am unable to apply an economic hardship or forbearance option without first paying {$50.00} up front to Navient, the current loan servicer. This flies in the face of what the forbearance or deferment is supposed to offer which is temporary payment relief. My current payment is ~ {$70.00} per month so I am actually paying Navient back, almost, for at least one month of the forbearance or deferment. This practice does not seem to be in the interest of the consumer but rather an opportunity to exploit a hardship, especially for those whose monthly payments exceed the up front payment amount, making this almost a ransom for use of deferment or forbearance. I may be wrong here as none of my government loans or other private loan holders impose this fee. Any information or investigation into this matter would be greatly appreciated.
Equifax, has an address on my account that is not mine and never been mine or anyone in my family .... XXXX XXXX XXXX , Ga. XXXX
cra violation error reporting wrong amount owed inaccurate information XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards not mine XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX not mine XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX not mine XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters not mine none below are mine cra violation XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, ND XXXX BYMAILONLY XXXX  XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX XXXX, TN XXXX BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
I have filed previous complaints here on this issue, and I amrequesting these be taken seriously. This is not a repeatcomplaint, but an effort to show cone Consumer ProtectionFinance board how companies, and this company does notcomply or care about complying with the various consumerprotection laws, nor does it even take complaints made hereseriously as they continue business as usual. All I have beentrying to do is get a line by line reconciliation of this account, and all American Express does is state it is correct, and weare wring, in spite of the fact we have sent them actual spreadsheets to prove we are correct and they are wrong, We havebeen trying to get this resolved since XXXX, 2013, AND allthat happens is every sixty days, our dispute is removed andwe must reinstate it. And now it is happening every thirty days and we are threatened with bad credit reporting, told we arein breach of contract and the issues are never addressed at all, except to say they are right and we are wrong ; and therefore, the issues are resolved, which they are not!
TransUnion : I filed a dispute with them against XXXX XXXX. : Account # XXXX XXXX XXXX XXXX ( XXXX XXXX ). I had insurance with XXXX XXXX. I called XXXX to have my payment date changed. And XXXX agreed and then charged me double on my next payment date. I canceled my insurance due to this with XXXX XXXX. I paid what I owed with a balance. And they still chose to over charge me. They can not show one ounce of proof that I owed anything, and they have put an item on my credit. Which I disputed and TransUnion still will not remove the item off my credit. Or show proof that the item was mine. I want this item removed immediately. 
XXXX, GA XXXX XX/XX/XXXX
I was sued by XXXX XXXX XXXX allegedly representing Citibank NA on a credit card debt XXXX case # XXXX XXXX XXXX XXXX XXXX . I answered ( pro-se ) alleging they had no standing as they did not appear to have been actually authorized by Citibank to represent them. Subsequently they filed an affidavit ( 149 pages ) containing my complete account records for over 2 years including the unredacted account # s and ID of various medical and other accounts. After losing my case and my counterclaim I was told by the Court that I could file to have this data redacted. This was not the case as I do not qualify for that and I am not permitted to have this filing made private as that is something only the plaintiff is allowed to do. I had notified XXXX on XXXX in my answer that I am a widow on a fixed income from SS and a small pension and exempt from any possible garnishment or attachment as I have no assailable assets. XXXX proceeded to obtain some sort of authorization in XXXX XXXX to actually represent Citibank and proceeded to obtain and record a judgment against me, as well as proceeding to file judgments in several other cases that were in the same Court that were still open and had no activity for 3-6 Months prior. It is my contention that XXXX had used the Court as a collection agent in many cases without actually at the time of filing being authorized to do so. In addition the publication of my account records including the names and account # s of various medical payees is a violation of my privacy rights under HIPAA.
I am currently working with a third-party credit repair agency,   XXXX   XXXX    XXXX , by which have any and all phone numbers listed to Portfolio Recovery have been added to a do not call list and any phone calls to me while I am working with  XXXX  puts them in violation.
I am re filing my complaint, previously complaint # XXXX. Bank of America {$3000.00} charge on XX/XX/2016. I feel that my bank did not investigate properly, because I did send them a letter explaining my situation, before the due date, all the facts and a copy of the email that I sent to the company on XX/XX/XXXX requesting my refund, just 3 months after the charges, which they did not respond, just like all the phone calls that they ignored, I tried to get the money back directly from the merchant, but I am unable to reach them. I have been following the process but even my bank that is supposed to protect me is giving me the run around, and taking the merchant 's side, a fraudulent company that scammed me, they sold me services and never answered the phone after I showed them my dissatisfaction. What kind of company does that? 


Bank of America sent me a letter stating that they are unable to assist with my inquiry, they are stating that they were unable to determine that billing error occurred. I want to stress that this matter is NOT a billing error I authorized the charges, but XXXX did not provide the services that I was led to believe I was purchasing. They offered me online services, advertising for my website and training, nothing was done and I can not get them on the phone for nothing. Bank of America is saying that they did not receive documentation stating that I attempted to resolve my dispute, I sent a copy of my email requesting my refund. 


They are also requesting the following : '' a valid second opinion letter, on business letterhead and signed by a second qualified merchant. The letter needed to specifically state that the service performed by the first merchant was n't completed or was done incorrectly, and detail how it was done incorrectly. It should have included the steps needed to correct the work, along with an estimate showing the cost to complete the job as per the original contract or invoice. " Bank of America is requesting an impossible task. How Am I supposed to find a company that would take this type of liability? Who would do that? I guess Bank of America is a scam just like XXXX, or otherwise they would protect my rights as a consumer, a victim of a fraudulent company that disappeared after I paid them. If XXXX were a legitimate company they would be trying to work something with me, instead of ignoring my requests. They do not have any type of customer service or support. 


Please investigate this charge and help me get my money back. Any assistance with this matter would be greatly appreciated.
XX/XX/XXXX : XXXX $ XX/XX/XXXX : XXXX $ XX/XX/XXXX : XXXX $ USAA has an option on their application to pay your credit statement directly through the app. As I approached my limit, I decided to pay it, as I normally do. Only this time, the following morning, I was informed that the payment didn't go through. So naturally, I sent it through again. After checking the linked account I am paying the bill with, all of the charges displayed that they had been taken out. However, now I am out over 900 $ ( also included is an overdraft charge on the linked account used to pay the credit bill of XXXX $ ) Now USAA has over 900 $ of mine, hasn't returned my credit limit or my funds that they have TAKEN and has been cleared by my bank. I have no available credit, they will be charging me interest on the remaining balance and no access to funds because they overdrew my checking account at my other bank. Meanwhile, they said they have to hold MY money for 10 days. Whatever the reason, their system triggered this. They have stated there is nothing they can do, which I know is false. The credit limit I have is XXXX . And I have no explanation as to why this is even remotely acceptable. This is theft from a major corporation and there has been no attempt at resolving this. Seeking legal representation to make sure this doesn't happen again to anyone else and seeking all compensatory charges.
The collection agency XXXX XXXX is still showing on my credit report from XXXX. This collection agency has reported to to all credit bureau 's that it was paid in full and due to it being a Fraudalent account, they have sent The request it to be deleted permanently from my credit file. Also in the documents attached and previous dispute. XXXX XXXX responded that this collection should be deleted. XXXX has npt followed orders and has this collection listed as paid, with a balance of $ XXXX closed account. But still listed on my credit report under paid collection. I have sent documents from XXXX XXXX that was mailed to me, a previous dispute with a response from the collection agency stating to remove this collection entirely from my credit report and proof of a photo shot document that it is still listed.
This is a continuation of Complaint File # XXXX. Equifax has now placed an extended fraud / identify theft alert on my file without my authorization. I never requested this action to be taken. The required identity theft reports were never submitted. Equifax notified XXXX XXXX and XXXX  and now they have placed the same alert on their files as well. I received the attached letter dated XX/XX/2018 which is a response to the above referenced complaint filed against Equifax. 

I am applying for a mortgage loan and according to my loan officer my Equifax credit file is blocked.
I filed for Chapter XXXX bankruptcy in XXXX XXXX, but I indicated to my lawyer and my car loan company that I intended on continuing to pay on my XXXX XXXX XXXX car loan through Hyundai Motor XXXX. However, once my bankruptcy was filed Hyundai Motor XXXX made it impossible to pay my auto payments online or over the phone. The first payment attempt I realized that they had locked my options on my online access for my loan, so I could not pay on my loan. It listed a XXXX number to call so I attempted to call it to make the payments, but the number would ask for my account # then ask if I had a direct extension number or wait on the line to be connected to representative. However, after it transferred me to another extension it would immediately disconnect the call. I tried numerous different Hyundai Motor Finance numbers, but it would always transfer me to this number if I put in my account #. Finally, I tried a different number without disclosing my account number and I was connected to a representative. I was able to pay my XXXX monthly payment, but the representative I was transferred to indicated that I would not have online ability to pay on my account until I signed an reaffirmation agreement for the loan. The representative indicated that XXXX had been sent to my attorney, and I needed to sign it before they would resume normal payment processing with me. Additionally, she said that this was required by law due to the court stay for the bankruptcy proceedings? Since that time I have been unable to get a representative on the phone and the reaffirmation agreement was never sent to my attorney as they indicated that it would. My attorney has indicated that he has never received any reaffirmation agreement from XXXX, and he disputes that the stay would have required XXXX to lock me out of my online account. The stay ended a few days ago and now I do have access to my online account again, but the payments required and late fees have stacked up making it very difficult to catch the loan account up to date. I believe Hyundai Motor Finances actions were both unethical and dishonest, and quite possibly illegal. I only wanted to maintain my loan with them but I believe they are trying to push me into a repossession situation.
American Honda Finance is willing reporting false information to my credit report on XXXX and XXXX. They Updating the bureau with the wrong information even those I have proof from Honda of the correct information. It is past the 7 years and should be off my reports but Honda is reporting different inaccurate date knowing they are wrong.
I placed a call to first federal credit control on XXXX to inquire about a settlement and spoke to a representative by the name of XXXX at EXT XXXX. XXXX explained to me she would send me out a bill that I requested and she asked me how much I can pay to satisfy the debt and I gave her an amount she said it would take 24 hours before she can give an answer. XXXX failed to notify me that she was a debt collector attempting to collect a debt. About an hour later I received a call from XXXX and the agent explained I would n't be able to settle the debt I have to pay the full balance and she asked me when I planned to pay but she never disclosed she was a debt collector attempting to collect a debt.
I have the Citi Simplicity card. Citi decreased my credit limit by a little more than {$1300.00} on XX/XX/XXXX. I called and explained that I have 3 cards with them, and that I have never missed a payment, nor have I ever been late on a payment to them for any of my cards. They said they could not help me. On XX/XX/XXXX, I was notified that they decreased my credit limit on my Citi Double Cash card by a little more than {$1500.00}. 

The reason my credit score has been decreased to XXXX by one reporting agency and XXXX by another reporting agency is because I had to use my cards for business equipment so my it shows that I have used approx 53 % of my credit. By reducing my credit limits, Citi has now made my credit worse because I now show that I am at 56 % use of my credit. 

I have done nothing wrong. I have made all of my payments. I am being penalized for no reason.