WillisBack/dataset-financial-user-claim huggingface dataset:
Federal Bureau of Investigation ( FBI ) vs. XXXX, Equifax, XXXX On several occasions I submitted a complaint through the CFPB without any successful resolution. I now provide the FBI investigation against the findings of XXXXEquifax and XXXX. I have also submit an investigation by XXXXXXXX XXXX to the FDIC. This complaint will have a different outcome hopefully should the three credit bureaus do not remove negative information provided by the XXXX XXXX XXXX XXXX ( XXXX ). I did not realize that through my Congressman the opportunity to place this in front of the Congressional Oversight Committee is available to me. This is also a direct challenge to XXXX, Equifax and XXXX to ignore and dismiss an FBI investigation. This is a further challenge to the three credit bureaus to ignore and dismiss an investigation by the FDIC through  XXXX XXXX. Additionally, there may be many consumers on XXXX XXXX that have similar experiences. 

Remove negative information from my credit profile now!
I am unable to access my Experian credit report online or initiate an investigation online. I subscribe to Experian 's credit monitoring service, however when ever I attempt to initiate an investigation and I enter my identifying information, a page appears that they are unable to honor my request and I must do it by mail. 

When I receive a paper copy of my report, I attempt to use the report number to view report again and I get the same message saying they are unable to honor my request. I can not initiate a dispute even after receiving the paper copy by mail. 

It appaears Experian has blocked my online access to my credit report information.
I am still having problems with my personal checks being declined by TeleCheck Services , Inc. I need to know the reason why my checks are still being declined. I want to be able to write and use my personal checks, without my personal checks being declined. I want TeleCheck to approve my personal checks. I have a current available checking account balance of : {$50000.00} with XXXX XXXX XXXX.
XXXX XXXX,2017 checked my XXXX account saw a lien wage in the amount of {$190.00} did n't know who the company was, my job XXXX XXXX XXXX printed out documents I proceeded called the company the receptionist told me I need XXXX got on the phone very rude ... I speak say a cumming swear word she oh no mama you swear and hung the phone up in my face I called back receptionist laughed transfer me to XXXX again she did n't answer calls.
I have been offered 0 % interest for a limited time on purchases with XXXX of my credit cards. They are telling me that the interest rate will go up on these purchases when the 0 % offer ends. I have always thought that the new interest rate would only apply on purchases GOING FORWARD from that date, but not on existing balances generated during a promotional interest rate period, and that to raise the interest rate on those purchases is illegal. You do not include talking to your US Congress representation in your list below of actions to take, but I intend to talk to my Senators ' and Rep 's offices.
I started having my wages garnished by a law firm for a 5 year old auto loan. The court order for wage garnishments was obtained by the law firm in a county I have NEVER lived in. Additionally the law firm misrepresented the owner of the debt by saying it was owned by XXXX ... It was not until we called Santander to find out it was sold to Cascade Capital, with whom I have never had any correspondence from or notice that the debt was sold to. 

I was never served any notice. I was never given a chance to represent myself in court. Now my paycheck is being garnished ... I have Child support to pay out ... Bills to pay ... I 'm just trying to move on from what happened years ago and this company just started stealing my paycheck. I feel like I 'm never going to recover ... 

I never had a chance to appear in court ... I was blindsided since I was n't served any notice. And I feel like I 'm going to just keep drowning in debt because what happened five years ago continues to ruin my life. They refuse to provide me any of the payment history or account notes. I have no proof of where they are getting the figure for me on ... How can they obtain a judgement for me when I do n't even know how it 's so high? Is it even legal to collect on debts this old? Or am I going to keep being harassed and punished for losing my job so many years ago .... They already repossessed the car 5 years ago ... Why are they coming back for more money again ... Was n't that enough?
The debt collection agency continues to call despite measures I put in place to stop them and they leave threatening messages This is my second request to have them stop
In XX/XX/XXXX XXXX XXXX XXXX. of XXXX Ny illegally obtained my credit report under false pretenses resulting in a hard inquiry to my credit report. They used the excuse for obtaining report as child support than proceeded to send me a letter in XX/XX/XXXX that they were going to have my accounts frozen. When I went into office in XX/XX/XXXX with the letter, I did not know they had already ran the report without my knowledge or permission. I do in fact have an old medical bill from when I was a child that my parents paid up until my mothers death when they came after me for payment. By the time they MADE me responsible for the bill the interest had raised the bill to over {$10000.00}. I now have the remaining balance down to {$4400.00} on this day. There was a judgement against me for this which has been lifted since I have been faithfully paying and the time has expired. I have been in the process of buying a home and this hard inquiry came up. When I went into the office XXXX first told me it was a mistake and it will be fixed. Within the hour I went back for further information about the hard inquiry. Than a Mr.XXXX   tells me while holding the proof in his hand in email form of said credit report inquiry that, they did not do that than he goes on to tell me, we can do whatever we want, and have a nice day. I have not contacted or spoke to anyone in the office since the day nor had they tried to contact me.
In XXXX my loans were put into forbearance without my request. Now interest during that time was capitalized on the loan. I had submitted forebearance/deferment application at the end of XXXX but that request was only made once. I continued to make payments during this time. Im on a paye program. All of my loans are fed loans.
On XX/XX/2018 I received a obscure email notification with subject line Notice of decreased credit limit. This was unexpected and very surprising. When I requested further information from secure message online, the reply was : your request was forwarded to the appropriate department. Several days later still no information provided. 
I also sent a message to a social media rep who subsequently connected me with credit management department. They in turn stated that my report is showing some very compromising information that would prevent them from reinstating my credit limit. They refused to provide any specifics over the phone or a written letter in this regard. I have checked with all credit reporting company reports and haven't found any concerns, except small discrepancies, that would justify this type of action. 
As of now my credit reporting from CITI is further compromising my credit file as a result of this action. 
I have been a customer for many years and never been subjected to such actions. I find it very deceptive and questionable and hope you can investigate this further and help other customers from this type of business conduct from CITI.
In XXXX of 2016 my wife and I entered into a mortgage agreement with Chase. In fact there were two mortgages the first was approximately {$220000.00} and the second was {$55000.00}. What we did not realize at the time is that the {$55000.00} dollar figure included a balloon of {$50000.00} due in ten years. I suppose the idea was that after a short time we would refinance the house once it appreciates and pay off the second. Of course that did not happen and now after never missing a payment on either we have paid over {$59000.00} on the second ( which obviously exceeds the initial loan amount ) and still owe over {$50000.00}. I am not blaming anyone for this situation. However, my question is this : Am I to continue to pay on this loan to my detriment even though the house is worth far less than the two mortgages? Chase is simply continuing to collect payments on a loan where of the monthly payment of {$490.00}, only {$65.00} goes towards the principal and refuses to allow any form of refinancing or restructure.
I opened a business account with Wells Fargo in late XXXX 2016 and my first deposit of {$10000.00} on XXXX XXXX 2016 was placed in a " hold '' until XXXX XXXX 2016 ( I just started a small business, so this is a very long period to wait for the availability of funds ). When I asked them about why this was, Wells Fargo claimed that when they tried to deposit the funds on XXXX XXXX that the account attached to the check has insufficient funds and they they would wait a week to try it again, but that the funds, whether deposited or not, would still continue to be " held '' and unavailable until XXXX XXXX 2016. I checked my my client who issued the check and their bank shows that the money was withdrawn from the account on XXXX XXXX ( the day I deposited the check ). Wells Fargo claims that this is n't the case ( despite proof the the money is no longer in the account attached to the check ), and that there is nothing they can do about the hold. I suspect that Wells Fargo is holding the money for investment purposes since I 'm a new account holder and have very few options in terms of recourse. It makes no sense to me that the funds are not in the originating account and Wells Fargo is claiming that the money must be " with the federal reserve ''. I spoke with " XXXX '' in their complaints department and he could n't or would n't help me. He said that the funds would be available on XXXX XXXX 2016 ( different than what the previous gentleman told me ) but refused to give me a complaint number or a number to reference in case the money is n't available on XXXX XXXX. I let them know I would be filing a complaint with the CFPB. Wells Fargo is behaving in an unethical and unhelpful manner.
Latest update on XXXX XXXX. Filed for judgment and won. I do not owe XXXX any money and in fact they owe me money. They owe me {$460.00} as per case no. XXXX. attached.
( 1 ) I have been a card member with Citicards for more than 30 years. 
( 2 ) In the past year, I have reported to Citicards that I had not been receiving monthly statements. Since then, they have been notifying me when my statement was online, so I have been viewing my account and paying my monthly amounts on the Citicard website. 
( 3 ) On evening of XX/XX/XXXX I went on the Citicard website and made a payment of {$40.00} ( 4 ) Citibank then sent me a confirmation of that payment headlined " You're All Set '' confirming values " Before Payment '' and " After Payment '' ( attached - see " After Payment '' amounts ) ( 5 ) Shortly thereafter I went to the Citicard website and saw numbers much greater than the " You're All Set '' values shown as " After Payment ''. 
( 6 ) I got the run around when I called Citicard Customer Service on XXXX XXXX, XXXX ( 7 ) Following that call, I wrote my letter dated XXXX XXXX, XXXX to Citicards ( attached ) ( 8 ) That letter was sent via USPS Priority Mail on XXXX XXXX, XXXX. 
( 9 ) That letter to Citicards was verified by USPS as " delivered '' to Citicards on XX/XX/XXXX @ XXXX ( see attached USPS Confirmation of Delivery ) ( 10 ) I called Citicards today ( XXXX XXXX, XXXX ) to get an update. The Citicard representative, XXXX, stated that they had not received my mail, had no email address where I could send a duplicate and no fax number that would be received in a timely manner. 
( 11 ) After speaking with her supervisor, XXXX stated they would not correct my account back to the {$0.00} Minimum Payment Due and {$1500.00} Current Balance as shown on the " You're All Set '' page. 
( 12 ) A screen shot of the XX/XX/XXXX Citicards website verifies the inflated amounts, well above the " After Payment '' values with no transactions made by me during that period!
My loan is being serviced by  Seterus Inc. and over the past 2 months, I have been offered a loan modification 3 times and I 'm continually getting harassing phone calls which have escalated to personal attacks by each of the representatives on the call. I was in a loan modification last year but due to severe family medical issues, I was unable to continue to pay the mortgage after the 1st modification was approved. Again, they have offered me two times another loan modification only to retract the offer and try to force me to leave the home using pressure tactics. I do not believe that I 've bee n treated respectfully or with any intent whatsoever to keep the home and they have lied to me multiple times with what they are offering only to tell me that I should leave the home and let them proceed with foreclosure to completion. I went to court to explain my intent and was granted time to work something out with Seterus and I have until  XXXX   XXXX  but they still tell me that I have to leave my home. The harassing phone calls and personal attacks each time the call me along with pressure tactic s ( and psychological ) tactics have been very disturbing to me. I 'm looking to work out a payment arrangement so that I can stay in the home now that I 'm finally getting over my medical issues and with one of my family members. This servicer is brutal in it 's tactics. The lying and the escalation of personal attacks o n me is taking it 's toll.
I attended university from XXXX to XXXX, this loan was obtained in between my years of attendance to pay for tuition. I began paying this loan immediately after school as it was a {$10000.00} loan and I wanted to tackle the balance right away and feel accomplished about it. I am not even sure how to express the frustration and disgust of what happened from XXXX to present but the loan was transferred to 4 or 5 different lenders without any notification to me. I would sometimes receive a statement or letter in the mail from the new company and i would try to call the previous company that held the loan and they for the most part could not help me because they had nothing to do with the loan anymore. I got so overwhelmed and frustrated trying to track the loan and understand what or why that was happening. The next thing i noticed was the increase in the balance and the interest changing each time it was passed around. Even though i was making payments my loan all of sudden was increasing in balance. I argued with the lenders and asked for explanations and never received answers. The suggested deferrment and forbearance and suggested it was a good way to stop paying for awhile. i have had multiple deferrments and forbearances and then i noticed after that happened the balance kept increasing. i tried to make payment plans with the lender and then low and behold the loan was moved again. I have never felt so deceived and angry about something that is so personal to me. I worked my XXXX off in school and my parents could not afford the tuition entirely so i required loans. This loan was suggested by the school and it happened so easy i was delighted. And they make you think once you are done school you make low monthly payments and easy peasy it will be gone in no time. That would be manageable but that is not what has happened. i was deceived and the loan was tossed around and my life in the process. I have no issue paying the original balance of the loan which was $ XXXX less any payments i made from XXXX to present. that is what is fair and that is all i would be able to handle. I would not have gone to school if i had to take out a $ XXXX loan because i cant afford that. This is criminal what they have done and i have been beggin for loan forgiveness and help for the actions they have taken. Please contact me as i would really appreciate someone to finally reach out and help me.
XXXX was not included in my bankruptcy. The account shows closed. This is incorrect. I have been making monthly payment to them directly.
Opted out of overdraft coverage to keep from incurring unneccessary bank fee 's. Was told overdraft coverage would be cancelled within 2 days. The account was still allowed to over-draft a week later. US Bank is telling me that I can not opt-out of overdraft coverage on that account. I am now {$210.00} in the red, before extra incurred fee 's.
The phone number contacted, the person contacted, was not asked to identify themselves, the person who answered said " I don't believe this. '' and hung up. 
Within 40 seconds, the phone rang again from the same number, so I answered the phone, I began asking questions and when I mentioned the direct violations of both State and Federal violations : Calling more than once per day after having made contact Failure to identify with whom you are speaking with, ie ; " You are XXXX XXXX XXXX? '' " What is your SSN '', when I refused to give that information, I asked " What information can you give to me? " ... as a debt collector, I can refer to an address, the last 4 of a social, date of birth, etc. and then say that I either have the correct person on the phone or vacate the call with an apology. 

Disclosure to an un-known party on the telephone ... who the client is. 

These are all direct violations of all the State and local laws that each and every Americans holds dear and have the right to enforce. 

This company appears to have no training, doesn't follow Federal law and allows their employee 's to break Federal/State law at will, as I was told repeatedly that no laws had been broken without the definite confirmation that " XXXX XXXX '' was speaking to the correct person. There was no Mini-miranda given and he refused to acknowledge any information other than my name, no confirming address, last 4 of the social, date of birth ... .nothing. 

We ended the call with I said it was XXXX in the long form and I was told that I need to rectify my response to him over a bad word. 
I still maintain XXXX because my legal rights, as an American consumer have been violated in the facts that you see above.
Equifax has my name incorrectly listed as XXXX XXXX XXXX XXXX. 

Furthermore the following addresses need to be deleted as I have never lived there or they or more than 5 years old. 

XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
I applied for the third time for a FHA refi and wasted 2months of valuable time only to find at the end that I could not have more than XXXX FHA at one time. Because it was check in the front I paid for an appraisal and was denied. This caused my credit report to be affected with two more months of past due on an balloon payment. 
Today I received denial reason which are wrong. The bank changed the product so they could then deny me for the 1 ) excessive obligation 2 ) unacceptable payment record on previous mortgage and then 3 ) Does not meet FHA guidelines. 
All of the above is wrong because I applied for the product with a co borrower and was told early in the process that all was good. I explain in advance that my income had changed and that I knew that could affect the outcome. So in the end all was good until we found out that I already had an FHA, That was the only reason I was denied. My credit score was XXXX until I started my loan quest with XXXX different banks. They only reason that I became past due is because all of the banks did not do their fact checking on the front end. They did it on the back end.
I get Va XXXX XXXX XXXX all payment come directly out of my bank account.. i do n't understand how i can be late,, my credit score was XXXX,, now it below that..
Kia Motor Finance company has withheld payment of a refinancing loan of my 2016 Kia Soul. I refinanced the loan through XXXX and Kia accepted XXXX payments for the car loan in the amounts of {$640.00} and {$20000.00}. For one month, Kia reported only receiving the payment of {$640.00}. I called them numerous times and they reported that the check had been destroyed, that the check had been lost and that they had no history of the check on numerous occasions. When I requested that the check be canceled and reissued by my bank, they found and processed the check. However, they applied it to a previously closed account to delay payment on the loan in question. They still have n't paid the original loan. This is fraudulent. They are not using the funds for the purpose to charge me more interest and fees. In addition, I am due gap insurance refund, which this is delaying. That should have been processed, but without them releasing the lien they will not release those funds as well.
Alleged Creditor ( finance company ) sold a debt to a third party company back in XX/XX/2018. The third party company sent me a letter making a claim that they will be servicing an account. The notice included : IMPORTANT NOTICE ABOUT YOUR RIGHTS : Unless you dispute this debt or any portion of it within thirty days after receipt of this letter, the law permits us to assume that the debt is valid. You may notify us that you dispute the debt or any portion of it in writing, or by  telephone. 
Within days of 7 days of this notice I sent an email, called, and mailed a letter request of debt validation under : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Defamation of Character, Cease and Desist notice. Include within this letter I stated : If your office fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent immediately. Do not contact me at my workplace for any reason as well as attempt to collect any debts on behalf of the Alleged Creditor that sold this debt until proof of debt has been validated. The Alleged Debt Collector did not nor can not legally prove a valid balance on the account still exists under penalty perjury. The third party company made several attempts to call me to collect payments and act on the behalf of a servicing company. Without notice the third party company has repossessed the vehicle from my workplace after the cease and desist notice was sent months ago. I have made several attempts to get my belongings from this vehicle and was denied by the repossession company.
I have tried to go through the credit bureau several times abot a debt that was over 8 years old and is still showing up on my credit report. I have asked Equifax to validate the information yet it appears that nothing is being done since this debt is from XXXX when i had to take an ambulance to a hospital due to my XXXX XXXX XXXX. The name of the credit collector is UNITED COLLECTION SERVICE , INC and they are saying that the account was opened : XX/XX/XXXX ( 6 yrs, 2 mos ) and the Original Creditor Name : XXXX XXXX. At the time they are saying this was opened I was already living in another state for a year and a half.