WillisBack/dataset-financial-user-claim huggingface dataset:
As I stated in a previous complaint, XXXX XXXX ( once managed by XXXX XXXX XXXX XXXX, and XXXX, NOW CURRENTLY managed by XXXX XXXX ) has been unfairly discriminating against me since I moved in and out of their terrible apartment community. 

Their community is infested with bugs, vermin, and the like ( both people and animals ). I had a horrible time attempting to fix issues that started with their improper leasing and discriminatory acts. The actors responsible include " XXXX XXXX '' previous agent and the current leasing agents. While I do not remember all of their names, I have documented proof of their racial animus and bias. 

I moved in. They checked my credit twice, without asking the second time. There were issues with my health and I attempted to pay them on time, each time, but their partner in crime, XXXX and others, internet portal NEVER worked on payday. Even though their systems did not work, and this was due to their negligence and improper communication, they refused to take responsibility for their actions. I confronted the front desk staff multiple times, initially, they were " kind '' and offered rebates but never offered to take full account for their errors. About a month or two before I moved out, I was told the company was sold to XXXX and that any continuing issues needed to be taken up with them. 

This is categorically unfair as well because PREVIOUS PAYMENT arrangements were discussed with the previous leasing agents, but the current, and subsequent, refused to check their records and acknowledge their faults. Each time I went in the office they were " doing audits '', but they could never accurately describe the issues with my payment UNTIL, they " decided '' to evict me. My payments, if the system would have worked, would have never been late, I had ONE noise violation, while others, often times were louder than me. I was promised when the lease was signed a quiet environment to conduct business and personal behavior, BUT, that never happened either. 

ALL in ALL XXXX XXXX is trash. Their leasing department is racist. You can even check their website. It states they welcome ADA individuals and the like, but they treated me, my illness, my puppy assistant ( XXXX ) and I as if we were a problem, when if you ask anyone else in that community, we were nothing but nice. I don't appreciate a false eviction on my record, nor do I appreciate a new debt collector attempting to recover debts that were the product of racism and negligence in the first place.
Hi I am a XXXX XXXX person I get a check of XXXX a month I am fully aware I got a personal loan out for medication and I am having trouble paying it back on XXXX/XXXX/2016 I got a letter stating " '' LEGAL ACTION NOTICE '' YOUR ACCOUNT HAS STILL BEEN UNPAID! 
you signed a legal binding contract on a loan that you made with AAA LOANS AND TAX SERVICE. you have received the money and to this date, you have failed to pay. You are past due XXXX. 
IT IS OUR RIGHT TO FILE A LEGAL LAWSUIT AGAINST YOU. YOU WILL BE SUMMONED TO APPEAR IN COURT AND WILL BE ACCESSED ADDITIONAL COURT AND FILLING FEES. you must make a payment or call the office with en 5 days of receiving the letter to avoid legal action.. call our office to work together on bringing it up to date or LEGAL ACTION WILL BE THE NEXT STEP.
O n   XX/XX/XXXX , I   mailed a letter to Equifax notifying them of inquires that they have listed on my personal Equifax credit report that I had never authorized. I requested that they supply me with authorization that they received from me to the creditors and received a letter stating that they are " factual ''. My claim was not to address weather or not they are factual but to supply me with my consent to obtain my credit report. Equifax has been unwilling to assist with these unauthorized inquiries and this is affecting my finances. How is the " factual '' determination even made without contacting the creditor that supplied them with the information and getting proper validation? I would like to know the method of them deeming an inquiry " factual '' without proper verification or validation.
Back in XX/XX/XXXX, I received a notification my credit score dropped due to a collections account with Penn Credit Corp ( PCC ) on behalf of XXXX XXXX XXXX ( XXXX ). I have never had XXXX as an electric service provider. I contacted PCC and was instructed to contact XXXX. XXXX told me I needed to file a police report, which I did, then they needed me to fill out a questionnaire and provide documents such as, drivers license from XX/XX/XXXX ( when the fraudulent account was opened ), a utility bill from that time, and my residence history from XX/XX/XXXX to the present showing I never lived at the address where the electric company was servicing somebody using my name and SSN which i completed on XX/XX/XXXX. I received a letter from XXXX dated XX/XX/XXXX stating they received enough information to remove the balance of XXXX from my active account ( It was never my account ) and the collections account was removed from my credit report. <P/>This past week, I received another negative collections account on my CR for the same thing! I contacted Penn Credit, they said XXXX is saying they never received a police report. I contacted XXXX and they told me they do n't know why PCC opened up the collections account again because they had everything and the investigation was closed in XX/XX/XXXX. I contacted PCC again, was transferred to the same supervisor twice ( XXXX ) and both times as I started to tell my story was hung up on. PCC shows evidence of weak CMS and furnishing to CRA 's. Furthermore, XXXX removed the negative account the first time and it was through XXXX again that re-opened the collections account on my CR. I provided the letter from XXXX showing the close of the investigation in my favor and a screenshot showing the open collection account from PCC and right below the previous claim for the same account and money being closed! I saved everything from the original investigation, including the police report of stolen identity and the fax transmission pages from the police station to XXXX and from a hotel in XXXX XXXX to XXXX for the additional documents and questionnaire needed to be filled out.
I have 10 medical bills from three difference Doctor 's the total amount is {$1000.00}. My account number is XXXX with XXXX XXXX XXXX XXXX they also go by the name XXXX. On XX/XX/2018 at XXXX XXXX. I call XXXX and spoke with a representative by the name XXXX. I told XXXX that I have 8 others payment arrangements on other medical bills that I pay monthly. After talking with XXXX, myself and XXXX made a payment agreement plain that I would pay {$25.00} a month started on XX/XX/2018 and payment is due on the XXXX every month.On XX/XX/2018 I got a payment of {$25.00} due reminder statement letter from XXXX letting me know my payment is due by XX/XX/2018. On XX/XX/2018 I called and spoke with a live person form XXXX and made my $ XXXX monthly payment over the phone using my health saving account card my payment conforment number is XXXX. On XX/XX/2018 I called XXXX to make my monthly payment of {$25.00} the representative told me they sold my account. I asked for a supervisor the supervisor from XXXX told me her name was XXXX. XXXX told me she see where XXXX set up my payment agreement back on XX/XX/2018 and she is not sure why my account was sold on XX/XX/2018 to a company name XXXX XXXX after XXXX set up my agreement with me. 
I fill by XXXX selling my account to XXXX XXXX after our agreement and accepting my payment XXXX I suspect XXXX is making false or misleading representations and The FDCPA has broad and encompassing provisions against false or misleading representations ( 15 USC 1692e ). Section 807 prohibits a debt collector from using any false, deceptive, or misleading re By XXXX selling my account to XXXX XXXX they after our payment agreement XXXX broke Section 807 ( 10 ) prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.presentation or means in connection with the collection of any debt. XXXX misrepresentation my identity to XXXX XXXX by selling my account. A creditor may not use any name that would falsely imply that a third party is involved in the collection. Section 807 ( 2 )  prohibits falsely representing either ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by the collector. 
I would like for XXXX XXXX XXXX XXXX, / XXXX to pull my account from XXXX XXXX make sure that XXXX XXXX didn't add this collection to all three credit report report. If so I want XXXX  and XXXX XXXX to remove this collection. want XXXX and XXXX XXXX to forgive this collection for all my troubles that I have do. I going to file 5 more complaint with other agencies. I want compensation from XXXX
Full payment has been made, received, and deposited and yet the collection company, Transworld Systems , Inc., continues to send collection notices.
I bought a living room set from Conn 's between XX/XX/XXXX and XX/XX/2016. I have had this living room for less than a year and started experiencing issues with it 3 months into the purchase. I called the company in regards to the issues because along with the installments I purchased warranty for the furniture. After many failed attempts to contact them and get a technician in to fix the issues I finally received a response. When the technician came to my home and see what parts he would need he advised me that the part would arrive in ten days and I was to call them back so they could come and fix it. Two weeks after waiting for the part it never arrived I then contacted warranty department and they advised the part would not ship out to me for another ten weeks. At this moment I discontinued the payments to the company. I feel that the company has been deceitful towards me and setting unrealistic expectations and providing me with false advertisement in regards to their products and services. I am going on months without been able to utilize the furniture, and more issues with it have arised since then with different part of the furniture. This furniture was on rare occasions used, I do not have any other persons living with me therefore I am the only person that has access to use the furniture which is maybe twice a week considering I am at work XXXX out of a day.
I placed a claim for fraudulent charges on my debt card for {$600.00} on XXXX/XXXX/XXXX I received a letter from my card service/bank stating that based upon our review of the information you provided as well as our internal records and your card history, we can not confirm that fraud occurred. Our investigation indicates that you entered into an agreement with the merchant, and the transaction was processed in accordance with that agreement. You may try to resolve the issue with the merchant directly. The problem I have with this is there 's over a half a dozen merchants and services that are the problem. Obviously they have done nothing to clear this up or do they intend to. They never put my provisional credit on my account either so they do n't have much insensitive I guess I did n't enter into these agreements and if they followed the money I think that is clear. I paid someone 's gas bill in XXXX and someone else 's phone bill. The charges from XXXX for what I do n't know but I assure you they did n't ship anything to me. Direct Express is totally worthless and as I 've discovered that opinion is shared by literally hundreds
None of my current loans are showing up on my credit report with EQUIFAX only. The other two agencies are accurate. I called my mortgage and auto loan company and they both confirmed they are reporting to all three agencies. 

When I call Equifax located in the XXXX, I have a hard time understanding or hearing them and I am not sure they understand what I am asking them to do. They were so focused on the security questions, we did not spend much time addressing the problem. For example, they kept asking me about an AUTO loan which I explained YES, I have a current AUTO loan with XXXX XXXX. They asked about about another AUTO loan and I explained, I did not have any other auto loans. I then asked, could you be referencing a MOTORCYCLE loan? They would not answer me. I had a MOTORCYCLE LOAN with XXXX over 10 years ago. Once I was able to actually get my report and use it to answer the questions, I was able to answer the questions successfully. 

Again, they went back over 10 years- no way I can remember credit cards and balances from 10 years ago! Not a fair or good process to confirm identity. I ended up having to send my drivers license, social security card and passport via fax and they still gave me a hard time with security questions but never addressed why nothing was updated on my account since 6 years ago. They were clueless and not helpful at all. I spoke with 5 different people yesterday and today and hence I won't likely be getting refinanced anytime soon without my EQUIFAX report being updated.
In XX/XX/2018 I used points to redeem a credit on my XXXX XXXX credit card to get ahead of my balance. Once I did this XXXX XXXX took me off auto pay without notification or authorization. This caused me to miss my XXXX and XXXX payments before I discovered it. The payments were immediately rectified from my end, but XXXX XXXX refused to correct the status of my account. This has led to a drop in my credit score over 80 points in the last 2 weeks. I have submitted disputes with XXXX XXXX, XXXX, Transunion and a complaint to the XXXX. XXXX XXXX has reached out twice since I submitted the XXXX  complaint but my case worker is not available when I call back. Messages have been left and I tried talking to other employees who told me they would notify her I called her back. XXXX XXXX needs to be held responsible for their unethical actions. They have thrown my current job search into chaos and I am having to explain their unethical business practices to everyone I am interviewing with.
I fell behind on my mortgage because I had lost my job. I am employed again now. I am confident that I can make the payments on my mortgage even if my servicer rolls the past due amount into the loan and uses the current market interest rate to determine my new payment. I was in the process of a modification with XXXX XXXX when they sold my loan to Caliber Home Loans on XXXX XXXX, 2015. XXXX XXXX explained that they had not yet made a decision on my modification when they sold the loan. They said that they would forward the modification application to Caliber Home Loans. I called Caliber immediately on XX/XX/XXXX but they said that they did not have my loan yet. I called a week later and they said that I should resubmit my application. I sent in all of the documents required on XXXX/XXXX/15. I received a letter a few days later dated XXXX/XXXX/15 that they had received all of the requested documents and that my application was considered complete and that I would receive a decision within 30 days ; I did not. I can not get a straight answer from Caliber Home Loans. Sometimes when I call in they say that my application is being reviewed, sometimes they say that it was mistakenly denied and that they would re-review it and get back to me. Last week I received a " notice of intent '' to foreclose even though the XXXX/XXXX/15 letter said that they would not start foreclosure proceedings. Now I receive hang up phone calls from Caliber Home Loans every few days. I have requested to talk to a supervisor on several occasions and they inform that a supervisor will have to call me back and guarantee the return call with 24 hours ; the return call never comes. I would like to file a complaint against XXXX XXXX for not sending me a timely decision on my modification request. I would like to file a complaint against Caliber Home Loans for not sending me a timely decision on my modification request, for pursuing foreclosure while I was under review for a modification. It seems that Caliber wants to foreclose on my house and keep me in the dark to prevent me from taking action against them until it is too late. I would like to modify my mortgage or work out a repayment plan or figure out a way to stay in my house. Unless someone else gets involved I am concerned that they will continue to confuse the situation until they can take my house. I want to stay in my home. I am confident that I can make the payments if we can modify my loan.
I have a loan with XXXX XXXX and GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX XXXX and GM FINANCIAL with no successful resolution. XXXX ajnd XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
Yet another complaint against Consumer Portfolio Services. This will be my XXXX and Hopefully final complaint against them. They have replied to an earlier complaint, I have disputed it and have had no response. so here it is. The contract should be NULL and Void as the Main applicant ( XXXX XXXX ) NEVER signed the contract. 
The contract should be deemed null and void. 
1. 
On the contract you can see that the due date is to be the XXXX of each month. When the XXXX payment was made early, ( on the first of the month to be considered for the up-coming payment on the XXXX ). Cps took it upon themselves to change the due date to the XXXX of the month, in the situation, it showed that a payment had been made for the XXXX of the previous month and then due again 2 days later on the XXXX ( which is when the account started showing a delinquency ). XXXX XXXX noticed the account was showing behind, when in fact it was paid ahead. He contacted CPS via phone and was told they had permission to change the due date, he said that neither he nor XXXX XXXX authorized this change, they dismissed it and refused to put the date back to the XXXX. He then asked for a written and signed document from either him or XXXX XXXX, requesting proof of the change, it has been over 4 years and still no such document!!! 
2. 
XXXX XXXX was NOT present at the time of purchase and did NOT sign the contract for the loan. Her son was employed by the selling dealership and was allowed by the selling dealership to purchase and sign the contract for XXXX XXXX, even though she may have given verbal permission over the phone for him to do so, there was NO power of attorney signed. A hand writing analysis can be performed to verify the signature is Not XXXX signature. In fact she was at her place of employment ( working ) XXXX miles away from the selling dealership. ( this can be proved from payroll records. ) 3. 
The vehicle was purchased for a 3rd party, which to the best of my knowledge is NOT allowed by CPS. In fact neither XXXX XXXX nor XXXX XXXX ever driven the vehicle ( the vehicle in question is a manual shift, neither one of them know how to drive a manual transmission. ) The contract itself is not even a CPS contract. Cps has been trying to implement policies and fees off of someone else 's contract. The contract is on an XXXX contract, and only has CPS ( hand written ) on it, with NO address or phone contact information for CPS. 

For any one or all of the above reasons, the contract should be considered NULL and VOID, and the vehicle returned to CPS, with all and any Balances removed, and the loan as a whole be removed from XXXX XXXX and XXXX XXXX credit reports considering she NEVER signed the contract in the first place. 
We have copies of the contract and XXXX XXXX Signature that can be provided, we can also go to a notary public to verify her signature if needed.
I was received some emails from American Express advertising the AMEX Delta Gold credit card. The emails were addressed to me and offer was made to me specifically saying that if I get this credit card I will receive XXXX points after spending {$2000.00} in 3 months, another XXXX points for spending an additional {$1000.00} in 6 months and a {$50.00} credit after I make a Delta purchase in the first 3 months. I also saw the same offer when I logged into my AMEX account to pay for my other credit cards ( I have multiple cards with AMEX ). I decided to take advantage of this offer and got approved right away. I received my credit card at the end of XX/XX/2018 and quickly fulfilled of the requirements for the {$50.00} credit and XXXX delta points. I waited a few months but neither the credit nor the points were given to me. I called AMEX and asked them what the issue was and opened a case to get the points. I was told that it will take up to 8 weeks to get a decision but did not hear back from AMEX. I called and called and there was no resolution. Finally, they informed me that since I had this credit card XXXX   years ago I was no eligible for this promotion. I feel like I was taken advantage of and targeted for this offer unfairly. These offers were sent to my email and shown inside of my private account. I feel like this is wrong and I deserve to get the points. Furthermore I referred my XXXX   and was supposed to get another XXXX points but they did not give me this as well.
I called to cancel my Citi Forward credit card XX/XX/XXXX, having submitted a XXXX XXXX XXXX payment to pay the account balance. I spoke to a customer service rep who confirmed cancellation of the account. 

I was so certain that my account had been canceled that I then proceeded to cut up my credit card ( having closed the account ). I did not hear about any issues from Citibank whatsoever. I did not receive emails saying there were any issues. 

Two months later, I get a few robocalls and see my credit score has dropped dramatically, because there is this phantom account that I thought I had closed. It turns out it was open and the bank payment had n't gone through. I had not been told this and thought it had already been paid and closed. 

Citi is looking for the record of my calling. As of today ( XX/XX/2017 ), the day I discovered this account, I paid the delinquent amount but there is still a mark on my record. I have had 10-12 years of spotless credit history and this is the single payment that is past due. 

I spoke on the phone today and spent 2 hours on the phone with XXXX and XXXX ( presumably Citi will see record of our conversation ). They could not do anything to remove the delinquent record. 

This is fraudulent. Keeping someone 's account open when they thought it was closed is a huge cause for concern and brings to question the fraudulent practices recently at XXXX XXXX. Is Citi operating in the same vein? I will not hesitate to pursue this further.
I opened the Discover Credit Card in XX/XX/XXXX and have been using it until now. In XX/XX/XXXX, I realized that the bank has been charging me {$25.00} per month for payment protection fee since its opening. I was not informed about this service at all. I was not aware of this service at all until XX/XX/XXXX. So I called the credit card company and cancelled this service in XX/XX/XXXX. 

On XX/XX/XXXX, I called and requested the credit card company to refund {$1700.00} that I already paid from the opening to XX/XX/XXXX.  However, they said that they could only pay up to 6 months fees ( {$150.00} ). 

It would be greatly appreciated your help on this matter. 

Best Regards, XXXX
On XX/XX/2018, I redeemed XXXX points to receive a {$26.00} cash back credit to my account. The credit was never applied to my account. I do not intend to use this credit card after this billing cycle. I called customer service and spoke with two people, neither of whom was able to help me.