WillisBack/dataset-financial-user-claim huggingface dataset:
All credit bureaus have removed an open account XXXX energy from my credit report without my permission which has resulted in a significant drop in my credit score and I believe it 's in retaliation to me contacting this office. I never mentioned XXXX energy in any disputes with any of the credit bureaus.
EQUIFAX IS WRONGFULLY MISREPORTING INFORMATION ON MY CREDIT REPORT AND IS NOT TAKING ME SERIOUSLY. I AM A VICTIM OF FRAUD, AND THEY CLAIM THEY VERIFIED SOME DEROGATORY BEHAVIOR ON MY CREDIT REPORT, BUT HAS NOT YET SHOWN PROOF OF THEIR VERIFICATION PROCESS. I AM DISGUSTED THAT SOMETHING LIKE THIS IS ALLOWABLE IN THIS DAY IN AGE OR EVEN LEGAL. PLEASE LOOK INTO THIS MATTER AND INFORM THEM OF THEIR IMMORAL BUSINESS BEHAVIORS. THANK YOU.
No information is provided unless I release me social security which I am not as I owe or do not have ANY outstanding debts. I am in very good standing with all my accounts.
5 AND A HALF YEARS AGO I HAD A CREDIT CARD ACCOUNT WITH XXXX XXXX XXXX. DURING THAT TIME MY INTEREST RATE WAS 2.9 %. MY HOME WENT TO SHORT SALE AND UNFORTUNATELY WHEN THAT OCCURED DUE TO DIVORCE, ALL OF MY VARIABLE INTEREST DEBT SKY ROCKETED OVER NIGHT FROM XXXX TO 30 %! MY BALANCE AT THAT TIME WAS {$2300.00}. SINCE THEN I AM TOLD THAT XXXX XXXX XXXX HAS SOLD MY DEBT AND IT IS NOW A CHARGE OFF. I CONTACTED XXXX XXXX XXXX AND THEY WERE UNABLE TO VERIFY WHO IN FACT BOUGHT MY JUNK DEBT. SINCE THEN SEVERAL COLLECTION AGENCIES HAVE CLAIMED THIS ACCOUNT WITH VARIOUS AMOUNTS OWED. MOST RECENTLY CALVARY PORTFOLIO HAS POPPED UP ON MY CREDIT REPORT CLAIMING I OWE THEM A WHOPPING {$19000.00} FOR SAID DEBT WITH XXXX.I HAVE SENT SEVERAL DEBT VALIDATION LETTERS TO CALVARY WITH NO RESPONSE.
I have been contacted several times by phone by a Mr. XXXX at Sallie Mae. I have sent two letters in the past asking Sallie Mae to cease calling me and to contact me only through mail. Sallie Mae only wants to talk to me about my " options '' through the phone. They continue to call me and my mother throughout the day while I am at work. I want to have my options written out on paper where I can see what my options are, and I can respond by letter. I am making payments, albeit the payments are not the {$5000.00} dollars they would like from me monthly ( as I can not afford this amount, and I do not even make half this amount monthly ). I have spoken to their customer service agents on many occasions, of which I've detailed several of those conversations on CFPB, and they do not offer any services that will assist a XXXX working class American, such as myself. The lowest they could ever lower my payment was just over {$1000.00} per month. I can not afford that payment, and I do not have relatives or friends to assist me in that payment. Given that this is my loan, and not a friend or relative 's loan, they do not have to. Additionally, we live within similar financial classes, and they couldn't help me even if they wanted to. 

What would help rectify this situation? For Sallie Mae to cease calling and to send all their correspondence by email with details of all my options written out. I would also like an option to respond by letter.
The company is reporting that I owe a debt on m y credit report, once I called the organization I was told that they no longer own the debt but would not remove the item from my credit report. In addition, I was lied to by the first representative who told me that I could not get the company to remove the debt. I asked for a manager who told me that I did not have debt with them any longer and I told him I wanted the item corrected on credit report and I was told that it would be up to 45 days before that could occur. They also refused to let me speak to the in house attorney or a member of the administration team who handles credit reporting.
According to www.equifaxsecurity2017.com, my information such as SSN, date of birth, full address and maybe even driver 's license number got into hands of currently unknown, malicious third parties. This is in clear violation of the privacy standards credit reporting bureaus like Equifax should be held up to. 

To add insult to the injury, Equifax is unethically and potentially illegally trying to " opt me out '' of potential class action lawsuit if I sign up to their credit monitoring services. 

This is ridiculous. Equifax as a company and executives responsible for poor security engineering decisions personally should be punished to the full extent of the applicable law.
MIDLAND FUNDING filed suit against me for a debt that they purchased ... XXXX upon an agreement I made with them, I paid the agreed upon amount ( in XXXX on XXXX different accounts with them ), at which I was told they would be reported to the credit bureaus as paid. as of XXXX/XXXX/XXXX they are still reporting as unpaid and refuse to talk to me as they have noted that I have an attorney. I did not and have not ever had an attorney representing me in these accounts and only told them that after I paid the accounts and they still continued to send me letters, call me and show up at my house trying to serve me papers. The continue to report false information and refuse to correct it, before they will correct it I needed to send them a letter stating I do n't have an attorney regarding this matter and copies of the receipts showing I paid almost 2 years ago. Then once they receive the information it will take XXXX to 10 days to get back to me. This is complete and utterly deceptive on their part, I in good faith did and paid as I agreed and they did not ( and continuing to not hold up to the agreement ). They do not even show me having an open account with them, it is closed since XXXX. They are playing a game with me and my credit, which is not fair and not allowed by law but continue to get away with it for the past 2 years. How many others are going thru the same thing I am and why? I went online and see all of the other complaint about midland funding, so now this does n't surprise me.
For about 2 years ( XX/XX/XXXX-XX/XX/XXXX ), I had leased an apartment at XXXX XXXX XXXX which I really regret had it done so. The lease was under two names : myself and my dad. At the beginning of theXX/XX/XXXX, my dad and I renewed the last lease which was for 6 months, this lease was going to expire on XX/XX/XXXX. Thats the only lease I agreed in that year. Here is where the issue starts, the apartment complex company through a U.S Collections West Inc. company sent me a letter that I owed {$2900.00}. I was really surprised because we paid off what was stipulated on the lease I signed, so practically we did not owe a cent to XXXX XXXX XXXX. Then, the collector sent a document where they manipulated the date on which the lease was supposed to end. They altered by adding an extra month so the lease supposedly ended up on XX/XX/XXXX. That lease does not have my signature, that lease Im not aware of. My dad who does not that much of English, they made my dad to sing the new lease. They took advantage of that. They never communicated me what was going on. Unfairly, XXXX XXXX XXXX is charging me that amount of money for not complying with the lease whose lease doesnt have my signature and also is fraudulent.
XX/XX/XXXX XXXX XXXX XXXX sold my mortgage to Specialized Loan Services LLC. Before payments began I spoke to SLS and they agreed, via phone, that I could continue to pay bi-weekly like I had been doing with XXXX XXXX XXXX. They stated that their system was not set up for it but they would do it. The statements sent out were going to be off and show late fees however they said not to worry about it because they would have it corrected in the system. Once in a while they would call to say it was late however when I mentioned the agreement the caller would see it written in the system and have the calls stopped. I set up bill pay with my bank so that the day after my paycheck was deposited a check would be sent out to SLS. I have never missed one payment, and there have been months when they have received an extra payment. From XX/XX/XXXX till about I believe XX/XX/XXXX there were no late charges and I believe ( I have no way of checking ) they were even applying the extra money to the principal. However after doing my XX/XX/XXXX taxes I found that around XX/XX/XXXX they had started to charge late fees and were no longer applying the extra money to the principal. I had also found where they were reporting me late, over 19 times, to the credit report companies. When I tried to dispute it SLS would send a copy of the original agreement I made with the private lender saying I agreed to a single payment once a month, and that they were only a third party attempting to collect a debt. I explained to them that they agreed to the new payments in XX/XX/XXXX and that even though it was verbal they had to honor it. They refuse to correct any of the late charges, or late reportings. The one customer service rep. I talked to said there was no way to really prove there was an agreement. I did tell him that the fact it took them a year and half to start charging late fees, and that I have been paying the same exact way since XX/XX/XXXX should be pretty easy to prove it. He than said well we are only a third party trying to collect a debt which is not true either. The private lender died and his next of kin sold the mortgage to XXXX XXXX XXXX. I have checked and XXXX XXXX XXXX have the account showing as closed out saying they sold it SLS. When I asked for a supervisor he advised there was no way of reaching one and hung up. I have filed complaints with XXXX, as well as with the XXXX in an attempt to clear this up however they will not honor the verbal agreement we made. I will try this one last time to have them correct the issue, however I am looking for a lawyer at present and will take it to court if that is going to be the only way SLS will correct their mistake.
I have XXXX accounts with Paypal. XXXX of which had a negative balance as a result of a disputed transaction unrelated to PayPal directly. PayPal deducted funds from the account with a positive balance to satisfy the account with the negative balance. I have no issue with this. 
However, PayPal has refused to lift the hold on my account with the positive balance, only sending me canned responses to my demand that they lift the hold on my account. They are preventing me from accessing my funds. They keep asking I call them, however, I advised them that I do not wish to speak with them on the telephone.
On XXXX XXXX, as an authorized credit card holder, an authorized user to make purchases, with my own card that included my name, I purchased airline gift certificates through XXXX XXXX. When I went to use the gift certificates, XXXX XXXX told me that they were refunded. When I contacted American Express multiple times, I received varying responses from supervisors that the charge was refunded due to fraud, and that I am no longer an authorized user of the account and they could give me no more information. 

My wife, after finding the charges, lied to American Express saying that the charges were fraudulent. Instead of investigating through their fraud department, they acted quickly and reversed the charges even though this was NOT fraud. They also removed me from the account. After explaining several times to American Express associates, XXXX finally told me that they will send an email to the fraud department to investigate again, however I would NEVER know the outcome unless the XXXX XXXX tickets are re-issued- apparently for security reasons? 

Without some proof of " unauthorized use '' ( which is impossible if i was an authorized user and was permitted to use and pay the balance in the past ) i should not be subject to a conviction for unauthorized use under Federal or State laws which include as an element actual, intentional, unauthorized use. This purchase was very important to me because it was the only way I could XXXX. I am stuck couch surfing until this gets rectified. 

XXXX American Express manager was so arrogant to tell me that they " trust '' and listen to the card holder, and if they say it 's fraud, they act as such without investigation.
My XX/XX/XXXX XXXX County property taxes have still not been paid. The bill was due XX/XX/XXXX, and now the past due date of XX/XX/2019 is coming soon. I have contacted Roundpoint several times to ask when my property taxes will be paid. They always refer me to the Taxes department, which never responds. 

There is plenty of money in the escrow account to pay the property taxes.
Citi bank sends personalized letters 'offering ' credit cards stating that offeree has been 'pre-selected '. However, when the letter is responded to and the offer is 'accepted ', the bank declines it citing various reasons such as credit status. Consumers are deceived using misleading language such as 'offer ' and 'pre-selected ', such that implying to consumers that the personal situation, such as the credit report, has been evaluated and an offer is made, when all that has not happened. It appears that citi bank buys the names and addresses and makes offers as if the bank has evaluated the persons ' credit worthiness. Consumers please be aware and do not be convinced that citi bank is indicating willingness to extend credit - it 's mere deception.
My husband and I requested a deferment through XXXX XXXX and they told us what we needed to pay and when in order to obtain the deferment on the payment. They sent us an agreement which we signed and mailed back. We have paid exactly what they told us to and when to pay it and now they have reported lates on our credit and stated that they did not receive the signed agreement back within 10 days so the deal is null and void. This is NOT acceptable. We mailed the agreement back and its not my fault if they did n't get it. We paid the terms as agreed as we were instructed. They need to honor the agreement, reverse the additional late fees, etc. and correct the negative reporting to the credit agencies. I could see it if we did NOT pay the agreement as required but we did. This is the holiday season and I am sure the post office is buried and the signed and executed letter is either lost or delayed due to the volume of mail that goes on at this time.
Navient took advantage of me from the years of XXXX - XXXX. I basically struggled to find support from my family, and even worked full time yet I still needed student loans to go to college. I was stupid, and did not realize the consequences of my actions. But they preyed upon me. They knew my debt situation and that I would be in complete debt when I got out of college, yet they kept giving me loans. My Uncle and Mother co-signed. And it has created a permanent rift in my family. I have a family, and struggle to pay my student loans. I have placed them I in forbearance without being told there was a limit. My family will starve as the student loans continue to grow. They worked out a semi payment plan with me. Even though they were still going to charge me interest. It still XXXX me over. My payments are over {$600.00} a month. Navient does not care about my life or yours. They care about getting as much money as possible. They give me strong and severe anxiety to point I contimplate how I am going to be able to provide eggs and bread for my family. 
It is not fair. They condemned me to a life of XXXX and harass me well knowing I do not have the money. I do n't know what else to do. I hope you are proud of yourselves for preying on the innocent future of this world. You have destroyed my life.
On X/XX/2017 i contacted XXXX to cancel my services and transfer my services to XXXX. I was taking my mobile number to the new carrier at which time i was informed all balances to be paid in order to transfer and keep my same telephone number at which time i paid a total of {$210.00} that was drafted on X/XX/2017 I was told by mobile rep that was it and my account showed {$0.00} balance. This point my service was cancelled and my phone line was taken over to my new carrier.  On XXXX XXXX 2017 i was contacted by an agent from Amsher collection agency which claimed i owe XXXX from XXXX the man on the other end said if not paid in full TODAY i would be further penalized. I immediately hung up the phone and dialed XXXX. I waited on the phone for nearly 30 minutes i spoke with XXXX XXXX ( EMP # XXXX ) who initially informed me she could not help and i would have to call collection agency i further pressed and was able to get her to look into the matter. XXXX finally concluded that i did pay the charges stated on the account and that this was a mistake and it would be taken care of within 48hrs time XXXX gave me a verification number of XXXX. X/XX/2017 i  receive a call from a woman at amsher collections stating i owe a balance and how i would like to pay i asked numerous times what the balance was for before finally being hung up on by the woman. X/XX/17 i call XXXX and speak with XXXX XXXX ( EMP # XXXX ) He informs me that the account is locked and nothing can be done about it and i will have to call the collection agency i keep pressing him as well until i am told he can file paperwork to look into the amount and it will take 2 weeks. i also found out from a XXXX XXXX store there was an account adjustment on X/XX/17 of XXXX and an outside collection fee of {$27.00} which makes no sense as my account was cancelled X/XX/2017. I fear i will not be helped by anyone and my credit is in jeopardy.
I am a mortgage broker that worked with a home buyer for over a year preparing them to qualify for a home.The borrower found a home and used the listing agent to represent them. The list price for the home was {$280000.00} and the listing agent 's representative, XXXX XXXX XXXX license # XXXX required the buyer to be cross qualified with a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. The borrower approved me sending a complete loan package, far more than what a traditional cross qual would require. After the buyer was cross qualified, the listing agent then submits to the buyer a counter offer, raising the price $ XXXX higher than what the property was listed for despite there were no other competing offers. I believe this occurred after the MLO saw the buyer could qualify for a higher price. The counter offer also stated in writing that the buyer must go with XXXX XXXX XXXX. The buyer called me to complain saying that the seller is paying nothing towards any of the buyers traditional costs and that the listing agent representative, told him the only way to get this home would be to use XXXX XXXX or the buyer would not get the house. This agent did not in any manner whatsoever, act in a fiduciary responsibility to the buyer and I believe violated real estate fiduciary laws. I also believe the loan officer, the realtor and the seller, who is an investor flipping properties, are in collusion to control the whole transaction and to employ an appraiser that will give the home this inflated value. The house is far above any other price in the neighborhood. I believe the realtor, loan officer and seller/investor are participating in some manner of " steering ''. The buyer not only confirmed with me that he had no choice in choosing his own lender, but also the lender he is being forced to use is charging him a higher rate and fees. 

The actual listing agent, XXXX XXXX XXXX # XXXX is also the company broker and I do not believe he at anytime supervised his representative 's actions as required by XXXX.
I ordered some diet pills from a company d/b/a XXXX  XXXX and XXXX XXXX, at the end of XXXX it was to be pay shipping and handling of {$4.00} and if you canx within 18 days, you would owe nothing further. I called and requested everything be cancelled on XX/XX/2018. Then in reviewing my checking account I discovered they charged my checking account XX/XX/2018 for {$69.00}, XX/XX/2018 for {$79.00}, XX/XX/2018 for {$84.00}, XX/XX/2018 for $ XXXX..I called XX/XX/XXXX and spoke w/XXXX @ USAA and submitted a dispute. On XX/XX/XXXX XXXX XXXX XXXX to follow up and I also cancelled my bank card. At first the bank put the money back, then they turned around in XXXX and reversed all the money which in turn caused my account to be over drawen, I have repeatedly called the bank since and I have been unable to recover my funds. I have filed a complaint with the XXXX  with no help. I live on a fixed income and can't afford to lose over {$300.00} dollars.
Received collection call from debt collection company called National Enterprise Systems, on XXXX XXXX, 2017 at XXXX XXXX in XXXX XXXX, number that called XXXX XXXX ) XXXX, regarding student loan private loan debt, demanded that I give them an answer regarding my solution to pay off the debt within an hour, demanded that I had to call my cosigner ask the cosigner to put the debt in a credit card to get rid of the debt and get rid of them, pressured me to call back within an hour with a solution, was insensitive to my situation.
On XX/XX/XXXX I received an offer in the mail to get this loan. It stated a interest amount of around {$200.00} to borrow the {$950.00}. I was under the impression that I could pay this off in a month and only pay the interest and what I borrowed. I have tried to get a hold of the company and they insist that all the payments I have already made were completely interest and I still owe {$950.00} plus more interest to get out of their debt. I have currently paid {$890.00} in interest only and {$33.00} towards the {$950.00} I borrowed. I just want them to let me pay the fair price for what I owe them from what I borrowed and be done with this. Right now they are debiting {$180.00} every 2 weeks from my bank account and they state they will not quit doing this until XX/XX/XXXX. That will be {$3700.00}. Please help me in getting this settled. I was uniformed and unable to view the lending disclosures on how much this would cost me until after the funds had been delivered. I was under the impression I could pay this off with a reasonable interest rate.
In XX/XX/XXXX, XXXX XXXX pretending to be USA Funds sent correspondence to addresses that were not mine. I received the mail from my mother and mother in law several weeks later which indicated they were to start a wage garnishment. I promptly replied that I requested a hearing as I had not been on my job but one month and had not worked since XX/XX/XXXX, as I am XXXX and awaiting an appeal hearing from the SSA. I also forwarded financial statements indicating abgarnishment would cause a major hardship. I received no confirmation only copies of my promissory notes from years ago, with no cover letter or anything. I had also indicated I was interested in loan rehabilitation and asked how I could start that program. 

A few weeks later, with no notice, they began garnishing my wages. About a week after that, I received a letter stating they cancelled my hearing, of which I had never received any confirmation would happen. A couple of months later, I received a letter from a company named XXXX. I called them and hey set up loan rehab for me. To date, there have been no payments applied to my loans from the garnishments which were taken illegally. I would like to have my money returned to me that was stolen from my paychecks, as I am no longer working due to my XXXX, and have absolutely no income. I am also in the process of filing for XXXX forgiveness anyway. The way that was handled was in direct violation of my rights and they should be prosecuted for theft by deception.