WillisBack/dataset-financial-user-claim huggingface dataset:
This is a follow up to my complaint no XXXX. 

Please incorporate the facts from the previous complaint into this new complaint. 
The primary basis of this complaint is that American Advisors Group has provided the CFPB with false information in an attempt to undermine the CFPB complaint process. 
The XX/XX/2019 letter to CFPB is fundamentally false. The only true fact is that I participated in a conference call with AAG. During that conference call I asked for specific documents to verify the claims being made by AAG 's, XXXX XXXX, XXXX XXXX and XXXX XXXX. Despite several follow up emails I received no documents. 
The XX/XX/2019 letter falsely states the loan not approved. An email from AAG loan officer XXXX XXXX confirms the loan was approved and that is corroborated by a relephone message from AAG attorney XXXX XXXX. 

False statements to the CFPB show reckless disregard for the consumer and the system of public protection the CFPB has established.
I receive many offers for credit cards & other financial products & services from Experian via the internet. my site is  XXXX  XXXX  XXXX . I am the only person with access to my accounts or online banking, other. I respond with an application. I am always denied credit. I have excellent credit, I have existing credit cards. I am a theft victim at my primary bank,   XXXX   XXXX   XXXX  , the theft was acknowledged, it occurred from  XXXX 16- XXXX 16. I was in a facility at the time. there was theft at the teller window of my bank. this has been notorised and submitted by a judicial of the   XXXX   circuit court   XXXX   XXXX   florida  usa. t he presiding judicial is h. judge   XXXX   XXXX   the attorney is  XXXX   XXXX ,   XXXX   XXXX  ., he can confirm I have excellent credit. I am a long term victim of credit card theft & credit denial, & other financial criminal acts & hate crimes.
XXXX i receive an email from citibank regarding my XXXX credit card. It was an offer to request a credit increase and it clearly stated that there would be NO Credit bureau inquiry made. I clicked on the link in the email and entered the requested information. a couple of days later I received an alert from my credit bureau monitoring service that a hard inquiry was done. Upon looking at the report it showed Citibank credit cards making a hard credit inquiry, which was completely opposite of what their email stated. I called citi and they confimred that the email stated there would be no creidt inquiry done however they said that the request was made on a different citibank credit card which is why the hard inquiry was made. I explained to the rep I clicked on the link they provided and if was for a different account of mine it was not my issue but theirs and they need to remove the inquiry. They told me to send a letter to their credit dispute department explaining it. I sent the letter after waiting more than a month I received a blunt statement stating the it was a valid credit request and they will not remove the inquiry from my credit bureau. Citi performed bait and switch by offering a no inquiry credit request and then doing a hard inquiry which has negatively affected my credit score. I asked to remove it and received a generic letter stating they would not with no number to contact the department that sent the letter when i called the main customer service number they said that department dosent talk to customers and there was nothing else they can do. 
This has negatively affected my credit score and will remain on my credit report for 2 years because citi 's False advertising. and then their lack of fixing their error
I was contacted via phone from a private number in which a male left me a voicemail stating that someone would be serving me papers at my home and place of employment which he said he would require a signature from my manager. He left a number to call XXXX and a case # XXXX. I contacted that number and a person by the name of XXXX XXXX at Bayside Capital Services answered. He did not during the course of our call state he was a debt collector nor did he state the required FDCPA statement. This is an attempt to collect a debt ... He demanded payment right away and told me that he is licensed in litigation in XXXX states. He threated that a lawsuit would be filed if I did n't pay the balance owed today. We worked out an arrangement and I asked him for some type of proof that he is who is says he is. XXXX minutes later I received an email with a word document ( see attached ) in which I felt looked a bit on the forged side. I contacted the creditor and they told me they have never heard of Bayside Capital Services nor was the amount was the creditor had on file the same amount as Bayside. I then did a little research on Bayside and read that a few others had the same experience as I. I then contacted XXXX and asked him for his debt collector license because I felt there was something very suspicious about the entire conversation, XXXX told me, after an uncomfortable pause, there are many departments and he does n't have the number then he got angry with me and told me he was never going to give me the number and started to raise his voice even further. I then hung up because I felt that the whole thing was a scam and he was trying to steal money from me. I feel that these people illegally got information from my credit report and are trying to steal money.
I have been disputing XXXX XXXX XXXX for years now with Equifax. I have provided information explaining to them that this account XXXX acc:XXXX does n't not belong to me. I told them everything the had my birthday wrong, my address wrong and XXXX other accounts that was reporting incorrectly. They had removed them but told my to wait on XXXX sense it was getting ready to come off.No cause it 's not mine.I had clearly been a victim. Please help me.
After graduating college in 2011, I discovered that Navient/XXXX XXXX had put me on a 10-year repayment plan for each of my XXXX loans through them that created massive monthly payments of over {$1000.00} per month. When I tried to consolidate the XXXX loans I have with Navient/XXXX XXXX, I was told that " the different styles '' of loans made it so that I was unable to combine all of them under one interest rate. I was also unable to defer the loans until I got a job nor did they allow me to extend my repayment period. They have left me with no options to lower my payments, I 'm currently stuck paying XXXX different ( and very high ) interest rates and I was given no option to have an income-based payment plan. I was forced to work XXXX jobs at the beginning of my career in order to make payments and even now, six years later, my payments still eat up nearly half of my paycheck every month, making it extremely difficult to live anywhere without roommates.
American Coradius International LLC ( ACI ) XXXX, TX XXXX and XXXX, NY XXXX XXXX This company sent me a letter via the USPS stating that they are a collection agency collecting a debt on behalf of XXXX. 
Reference # XXXX I was able to confirm that with XXXX that my account is in good standing and I do not owe them anything. Upon attempting to discuss this debt with ACI, they were able to confirm they are collecting this debt. I requested the paperwork they received from XXXX that verifies the debt owed and they refused to provide that and said I would need to get that from XXXX. Naturally, XXXX, can not provide the paperwork because it does not exist on my account because the account is in good standing and they have not filed any collection action against me. 
I asked ACI where they got the account number on the statement and they could not confirm this source. Additionally I asked how they came up with the address that they mailed the notice to and they said that came from XXXX, which I believe to be a lie. I think this company is either attempting a scam, or actually has a collection account for someone with a similar name and is sending letters to everyone that has that name.
Some one from XXXX XXXX keeps calling my work phone number and hanging up. I spoke to a rep once and informed that the person they are trying to reach no longer works here. They call every other day and hang up as soon as i answer the call.
SLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short Sale package was submitted XXXX/XXXX/16. We called SLS and they told us they would not review for a short sale due to the sale date on XXXX being within 30 days of receipt of the short sale package. The auction was then postponed to XXXX. The rep I spoke to today said they would not review for a short sale due to the package being received within 38 days of the sale date. There are 37 days between XXXX when the package was submitted to the new auction date of XXXX. Yes - it was 30 days at first, then it was changed to 38 days. Coincidence? I think not ... .. 

It is obvious they have been trained to lie and deceive. 

Does the investor even know they received a short sale package? Is this evidence of SLS postponing a foreclosure date simply to defraud the investor out of further servicing fees? 

We have another file with SLS that they are doing the same thing on. It is very apparent this is a pattern of behavior for SLS, and they have no intention of working on any of their short sale files.
I submitted a complaint which was decided in my favor. In that complaint, I requested that Wells Fargo Mortgage not require payment of deferred property tax. Wells Fargo has notified me that they will foreclose on my home if the taxes are not paid by XX/XX/2016. I called CFPB and requested a copy of previous complaint be email to me. Though the email was sent twice no complaint number was on it.
I disagree with citibanks decision to decide the Case ID : XXXX in merchants favor and will further seek help regarding this case. The items I received is totally different then what was originally ordered. I made 3 documented attempts to contact merchants customer service and they never responded how to return it or how to proceed with further action so I had to file a dispute with citi bank and they decided it on merchants favor without investigating what was wrong with merchnadises I want to come to fair resolution in this case
I disputed a charge on my Citi credit card via their online system in XXXX 2016. The card carried no balance expect for this disputed charge. I called every month for 5 months and kept being directed that the case was noted and that some XXXX from billing disputes would contact me regarding the referenced charge. Meanwhile the XXXX $ disputed charge gathered interest and late fees for over 100 days. Citi reported to the credit bureaus and my Credit score dropped XXXX points! I still have no resolution and have sent certified letters to Citi Billing Disputes.
On or about XXXX XXXX, 2016, XXXX XXXX of XXXX XXXX XXXX, XXXX called my employer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, regarding a debt that I allegedly owe. Specifically, he told my employer that he would be taking additional steps, including filing a lawsuit against me. 

Additionally, XXXX XXXX called me on XXXX XXXX, 2016, and threatened to call my employer or " XXXX '' and have my wages garnished if I did n't pay the debt.
CBNA did an unauthorized Hard Inquiry on XX/XX/2017. Their information mailing is XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX and their contact number is XXXX. When calling the number, the company stated was CitiGold and the only way to talk to someone was to enter my social security number- and I 'm not doing that. I have no idea what this is and did not authorize/approve ANY company to do a hard inquiry. I did ask for a credit line increase from Citibank on a credit card but nowhere did it say on the request that a hard inquiry would be preformed. Can you please remove this Hard Inquiry? Thank you for your time
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have someone that was using my name for credit and rental apartments. I recently job more back to XXXX OHIO and discovered the fraudulent account. 
My name is XXXX XXXX. Please delete all variation of my name they are not accurate. The following addresses are not mine please delete they are not accurate. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
This complaint is an add-on to my  XXXX   XXXX  compla int re Equifax credit reporting agency because for the past 2 weeks I 've been unable to log into my cfpb a ccount and the password reset links sent to me are non-working.   Equifax is reporting personal information on my credit report that is incorrect and or outdated. Equifax does not need to report addresses that are more th an 7 years old. I h ave never had an address that included  XXXX   XXXX  Equifax is reporting various names for me that are not my name. It is reporting incorrect and/or long outdated employer info. I am retired. Equifax is including a partial social security number on my credit report which makes it that much easier for someone to steal my identity. It also reports my full middle name, which I do n't use on any of my accounts. The more unnecessary info that Equifax displays on my personal credit report, the easier Equifax makes it for identity thieves to use my identity to file fake tax returns, etc.
CRA ... XXXX AND EXPERIAN ... REPORTING INCORRECT " XXXX '' DATA INFOR AND NOT MY ACCOUNTS, NEVER HAD ANY PUBLIC RECORDS, REMOVE BANKRUPTCY FROM FILE, SAME DATA REPORTED 2X ON FILE, OUTDATED INFOR ON FILE, VIOLATES FCRA PROVISION 604,605,607,611 AND 623
XXXX, XXXX 2018 TO WHOM IT MAY CONCERN This is a complaint against XXXX XXXX with an address located at XXXX XXXX. XXXX XXXX, XXXX XXXX, IA XXXX. 
XXXX XXXX is a debt collector as defined by 15 U.S. Code 1692a of the federal Fair Debt Collection Practices Act.

The attached documentation details violations of 12 C.F.R. 1024.41, and/or 12 C.F.R. 1024.40, and/or 12 C.F.R. 1024.35, and/or 12 C.F.R. 1024.36, and/or specifically 12 C.F.R. 1024.41 ( b ) ( 1 ), and/or 15 U.S. Code 1692e. 
Please investigate these matters. 
All the necessary documentation supporting this complaint have been attached. 

XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX
I made an online purchase using my debit card on XXXX XXXX 2015. The merchant did not have one of the items I ordered in inventory, and said they issued a {$10.00} credit for the item. I have never received the credit. I talked to the merchant and they said everything has processed on their end, and there was nothing more they could do, and to call my bank. I called my bank, and they said there is nothing they can do. My understanding is that the bank has an obligation to investigate any reported error, however they refused to do so. They said my only option is to return the part of the order I did get and get a refund for the entire order, or dispute any incomplete refund from there. This does not make sense. I feel the bank has an obligation to investigate.
Submitted additional payment requested to paid toward principle. End of the year checks returned for overage even after talking to mortgage department still they refused to apply extra payments toward principle.
On XX/XX/XXXX I submitted a complaint about the fact that I can not obtain my National Consumer Telecom & Utilities Exchange ( NCTUE )  credit report. Since at least XX/XX/XXXX, I have been attempting to obtain my credit report to no avail. The telephone system does not work and NCTUE does NOT provide any information about what I should send to NCTUE to obtain my credit report via mail. I NEED TO KNOW WHAT TO SENT TO NCTUE TO OBTAIN MY CREDIT REPORT. The Company 's response to my XX/XX/XXXX Complaint was a nonsensical response that did not in any way address my question and concern.
I have been approved for XXXX XXXX XXXX XXXX. I have written XXXX letters XXXX in XXXX and XXXX XXXX XXXX contesting FedLoan Servicing 's denial of an Income-Based Repayment plan and assignment of my XXXX school loans to an Income-Contingent Repayment plan, but have received no reply. 
The denial of my application for Income-Based Repayment is based on XXXX a fraudulent Parent Plus " loan balance '' of XXXX cents from XXXX ; and XXXX ) the incorporation of that " loan balance '' in my student loan consolidation in XXXX XXXX because of misleading and improper advice by FedLoan Servicing representatives. 
XXXX ) A fraudulent Parent Plus " loan balance '' All XXXX of the Parent Plus loans I took out for my son 's education at XXXX University ( XXXX date : XXXX ) were fully repaid in XXXX. I was never told there was ANY balance remaining on the {$36000.00} loan from XXXX. I never received a bill. I never received any accounting of where a XXXX " loan balance '' might have come from. I did not even learn of the XXXX cent " loan balance '' until XXXX, when a FedLoan Servicing representative informed me of it. 
I consider this " loan balance '' fraudulent. In addition, I was told by a FedLoan Servicing representative on XXXX XXXX, XXXX that it is customary to write off loan balances under {$5.00}. Therefore, I question the basis for this " loan balance '' existing. 
XXXX ) Misleading and improper advice This XXXX cent " loan balance '' was included in my XXXX University XXXX XXXX XXXX ( XXXX date : XXXX XXXX loan consolidation due to misleading and improper guidance by FedLoan Servicing customer service representatives. 
When I sought the loan consolidation for my XXXX school loans, which I was incorrectly advised was necessary to obtain XXXX XXXX XXXX XXXX, a customer service representative told me about this XXXX " loan balance '' from XXXX. It was the first I had heard of it, and I had no idea how to repay it since I had never received a bill. But he said I could include it in the loan consolidation. He knew I was applying for Income Based Repayment as part of my XXXX XXXX XXXX XXXX. 
He did not inform me that including the XXXX Parent PLUS " loan balance '' in the loan consolidation would completely disqualify the loan for Income Based Repayment, hence requiring me to pay 5 % more of my discretionary income for 10 years towards my loan repayment. 
This is a highly misleading act by a FedLoan Servicing representative and a violation of Fair Lending standards of the Consumer Financial Protection Bureau. 
On XXXX XXXX, XXXX, I received a notice from Fed Loan Servicing that I had been assigned not Income-Based Repayment but Income-Contingent Repayment. As you are aware, Income-Contingent Repayment uses a different formula : 20 % of discretionary income to set monthly payments. 
I have made multiple calls to Fed Loan Servicing to attempt to straighten out the inclusion of a fraudulent loan balance in my loan consolidation and the invalid denial of my application for Income Based Repayment. 
I request that this situation be addressed so that my Income-Based Repayment may proceed as provided for in federal law.
I called the business that has a negative account on my credit file and inquired about a fax number or email address msg my information : identity theft police report, drivers license, social security number, certificate of birth, XXXX XXXX  Identification Card issued per XXXX Safety Administration and a formal letter of identity theft, in addition, a citation issued per XXXX Highway Patrol issued to someone with my license in XXXX, CA. 
I mailed my prove to the courts and the court dismissed the case, also deleted the citation from my driving record. 
However, the prove I am submitting for more evidence of Id theft is to inform the collector know I am a victim of identity theft and to remove the negative account from my credit report. 
The Representative was not completely honest with me because he stated, there is no email address or fax machine to send or receive facsimiles or emails. The collection company is only able to receive USPS mail. I called two more times because I did not believe the representative. The second rep. said we have a fax number. 
The third representative said, " We have an email address and a fax machine. '' The rep said he was going to contact the business to inquire of the documents and and that was going to take a while. 
Accounts : 2nd. XXXX {$560.00} / XX/XX/XXXX 1st. XXXX / {$600.00} / XX/XX/XXXX I am also attaching DMV printout of a citation issued on XX/XX/XXXX to someone holding my driver license and presenting it to a XX/XX/XXXX Highway Patrol officer, however, the citation and signiture were under my name. I have cleared the citation with XXXX, CA and citation is cleared from my commercial driving record. Fraud was also committed under my commercial driver license and the identity thief signed my name. 
I have lived in XXXX XXXX, CA from XX/XX/XXXX to present.
We first of all was manipulated into a mortgage contract ( that terminated after 20 years ) the contract was called a ballom mortgage originally we had a 30 year mortgage then at that time they demanded that we refinanced the the entire amount of the mortgage which was {$100.00} at the beginning. we paid over XXXX into this contract and yet we did n't recieve any equity. then they refuse to negociate any thing with us mortgage reform called a Modified Mortgage. that we were never late on our payment all the while we kept all of our mortgage payments up. at the end of that time they refuse to except any payment. after becoming fustrated with mortgage we finally relocated. they then forclosed and sold the home for {$110000.00} and we did n't receive a cent back. We believe that we victims of preditory lending which was perpetuated by Ocwen Mortgage a division of XXXX XXXX.
Recently Equifax reported a hack that compromised the personal information of some 148 million people, me included. This hack went undisclosed to the public for almost a month leaving all those people vulnerable to identity theft as they were unaware and likely did not take steps to protect themselves. The fact that they waited so long to inform the public is extremely negligent.
On XX/XX/XXXX I noticed a charge of {$870.00} on XX/XX/XXXX on my credit card to a hotel in New York. I called that day to report that I did not charge that on my card. They told me that they would start a fraud case. 

On XX/XX/XXXX, I emailed them to see what they have done so far, and they sent out a generic email stating that it could take up to 90 days. 

I emailed them again on XX/XX/XXXX and then got another generic email stating it is being worked on. 
On XX/XX/XXXX I called fraud department because it has been over 90 days and they said they knew nothing about it..I spoke with " XXXX ''. He said that he would credit me that money along with any interest on it that was charged to me. That it would be credited to my cancelled card, which makes no sense because that card is cancelled and I have a new card. 

They have a duty to their customers to protect their cards from fraud, which they have not done!