WillisBack/dataset-financial-user-claim huggingface dataset:
Advanced Capital Solutions has called my cell phone repeatedly. When I have answered, I have told them the person they are looking for no longer has this number. When I have not answered, I have called back the number left in the voice mail and told them that the person they are trying to contact no longer has the number. 

This morning ( XX/XX/2017 at XXXX, pacific ) they called yet again. There had been a long break so I thought they might have actually listened to me.. Alas, they  have not. 

The number called from : XXXX. The message left was from " XXXX XXXX '' and the number in the voice mail was XXXX.
I entered into a mortgage loan agreement with  XXXX   XXXX ,  XXXX  on  XXXX / XXXX / XXXX . In  XXXX  of  XXXX , the loan servicer was switched to  XXXX   XXXX . In  XXXX  of  XXXX , the loan servicer was switched again to LoanCare , LLC. I was notified of the switch via mail on  XXXX   XXXX ,  XXXX . During the most recent switch, LoanCare , LLC lost track of an {$850.00} payment which I made on  XXXX   XXXX ,  XXXX .     I have been making bimonthly payments on the Mortgage each month since the loan agreement was signed. The Mortgage clearly states that the following in  Article 4 : " 4. BO RROWER 'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due ... I may make a full Prepayment or partial Prepayment without paying a Prepayment charge. '' This is printed on pag e 1 of 3 of the Mortgage agreement. It is literally on the face of the Note. When investigating the missing { $850.00} payment, LoanCare , LLC informed me that they do not accept partial payment. I am requesting assistance with the following   two items : 1. Enforcing specific performance on LoanCare , LLC, so that they honor the terms of the contract and accept partial payment.
2. Ensuring that LoanCare , LLC recognizes all former payments for the Mortgage, including the {$850.0  0} made, and accepted, on  XXXX   XXXX ,  XXXX , to be applied to  XXXX   XXXX .     As you know, contract law allows for the sale and transfer of a contract, such as a Mortgage. While transfer of a contract is acceptable, it does not allow the purchasing party to unilaterally change the terms of the contract. The purchasing party is still bound by the terms of the contract, as is the counterparty, myself.     Thank you for your assistance.     Sincerely,  XXXX   XXXX   XXXX .
This is an issue with hard inquiries on my credit report that I did not authorize. On XX/XX/18 an inquiry was made on TransUnion by a firm called XXXX XXXX and on XX/XX/18 on XXXX by a firm called XXXX XXXX . I have since found out this is the same company. I contacted TransUnion I was told to contact XXXX XXXX and they gave me the contact number of XXXX. The representative XXXX XXXX XXXX would have to offer a letter to have the inquiry removed. I contacted XXXX XXXX and the woman who answered the phone informed me they were a credit bureau and they didn't pull my credit and some other company did. The woman at XXXX told me they pulled a tri-merge report to all three major credit bureaus and I would have to contact another company who pulled my credit. I did not apply for any credit, I did not authorized any company to run my credit. XXXX XXXX is the entity listed as the institution that pulled my credit. I don't know who XXXX XXXX XXXX XXXX, I have never done any business with them and have never given them permission to make any inquiry on my credit. The only contact information I have is the above listed phone number and location listed as XXXX XXXX, Ca XXXX. Please have XXXX XXXX XXXX remove these hard inquiries.
I purchased a home in  XXXX  in cash for {$14000.00} and then refinanced the same year through  XXXX   XXXX   XXXX  for {$30.00}. I was involved in a car accident in  XXXX . This caused me to fall behind in my payments. I still tried to make the mortgage payments but  XXXX   XXXX   XXXX  began to stop taking my payments. A short time late r Ocwen Loan Servicing introduce themselves as the new Leander that was taking over the loan. I began  to work with them in regards to getting an affordable modification. They modified the loan but the payments were not affordable for me. I tried to continue to work with the bank in getting payments i could afford so that I could keep my home. But to this day no resolution had been reached. Currently I had been notified that there is a Foreclosure day set for  XXXX / XXXX / XXXX . Also at the same time Ocwen notified me that they owed me {$1100.00}. The check was also enclosed with the letter. This settlement was given to all borrowers that they tried to foreclose on between  XXXX   XXXX   XXXX   XXXX ,  XXXX  and did not follow through with there actions. At this point I do n't want to loose my home behind unwillingness from this bank to assist in helping me to obtain a affordable modification. I would appreciate any help or assistance your institute can offer.
Caller : Portfolio Recovery is calling people that they have stolen personal info on and old Bankruptcy accounts older than 7 years and threatening people that they still owe the monies and they will ruin my credit they are a Debt collector and stealing my private info to do illegal stalking and harassment XXXX from XXXX IL- I also have about 1000+ calls form other offices and states and they have called 3 to 4 times a day to once a day for the last 10 yeas
An Amazon.com Store Card was successfully opened without my knowledge or consent. A XXXX Amazon.com Visa Signature Credit card was attempted to be opened in my name ; however, was declined due to " obligations too high relative to income. ''
Experian is reporting on my credit report under a account that is not mine : XXXX XXXX BANK. On XXXX/XXXX/2016, I requested Experian to validate this information with XXXX XXXX BANK and provide me with copies of any documentation associated to this account, bearing my signature! ( see attached letter ) sent USPS Certified item number XXXX delivered on XXXX XXXX, 2016 at XXXX ( see attached ). I, again sent another letter to Experian USPS Certified Mail item number XXXX delivered on XXXX XXXX, 2016 at XXXX ( see attached ). Experian has failed to provide ANY documentation bearing my signature! As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Experian had 30 days to complete this investigation! They have failed and have now violated federal law. ( see credit report dated XXXX XXXX, 2016 proving their violation attached ) : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I am sending one more letter dated today XXXX/XXXX/2016 with this complaint attached.
My wife opened a Citi credit card in my name, without my knowledge, over 13 years ago - on XX/XX/XXXX - and I just found out about it 3 months ago. Since XX/XX/XXXX, I've been desperately trying to pay off the final amount I saw on XXXX XXXX  so that I can repair the damage my soon to be ex wife has done to my financial health. Citi has made it extremely hard for me to close the fraudulent account, and to even pay it off. My divorce lawyer instructed me to pay the minimum monthly amount on the Citi credit card ; fortunately, only a balance of {$370.00} was due when I discovered the card - so I thought it would be really simple to end this ridiculous situation and just pay Citi. Citi has made it almost impossible for me to close the account and finally pay off the card. I've contacted multiple offices at Citi ; I've sent multiple letters and so many phone calls I lost count. I reached the most recent individual, and he said just send them a check if they won't send you a formal statement and acknowledge that it's you and that you are trying to pay this off. So I sent a check - for {$5.00} that they charged me in addition to the {$370.00} - I just wanted it over with. Well today - XX/XX/XXXX, three months after I first contacted Citi and tried to resolve this - my check and letter has been returned to me. I am sick to death of Citi continuing to victimize me. They allowed my wife to open the card fraudulently in my name way back in XX/XX/XXXX, without my knowledge, and have let it stay open, and let her continue to charge on it for over 13 years! I've explained the situation to them multiple times - they keep asking me to verify security questions to make sure it's me, and I keep telling them I never opened the card so I don't know the questions she made up! And around and around it goes. They said they'd send me a letter with a confirmation code I could call them to verify it was me, and then pay the card off and close the account. The letter never came.
SANTANDER CONSUMER USA Account number XXXX .... 
Recent balance {$6800.00} as of XX/XX/2018 on the auto loan that was paid in full to them years ago. At the time of the sale of the vehicle I was told that a total of {$5000.00} was recovered and no money was due from me ... Now I come to find out they reported a balance on my credit report.. I attempted to contact Santander who sent me 2 letters back to back ( computer generated response very simply ) stating they validated this debt and contract was sent to me which was a lie. Now all of a sudden I started to receive calls from them at XXXX and XXXX on daily basis as an " attempt to collect debt '' and threatening to arrest me for an unpaid balance or send a sheriff to my employment ... This is ridiculous and should not be a legal practice for collection of the amount that is not owned in first place ...
I have been receiving calls for months from your Diversified Consultants Inc, only to be hung up on as soon as I answered. Someone finally spoke today, telling me he was calling on behalf of XXXX and wanted me to verify my personal information. I told him I have never had any business with XXXX of any kind, to which he replied that it was a business matter with XXXX and that he could n't tell me anymore without verifying my information. I refused to provide any of my information to a random person on the phone, and he ended the call. It was only after I got off the phone and looked up the organization online that I discovered it was a collection agency. I called back to complain and they claimed they were not required to disclose that they were a collection agency because I had not yet provided them with my personal information, such as the last XXXX digits of my SSN.
For the second time today, I have been denied access to my JP Morgan checking and savings accounts. I tried to sign in with my usual user name and password using the same internet access device I have used in the past. However, I was denied access to my accounts and will not be able to get into the accounts indefinitely. This is abusive and unacceptable. The problem seems to be that when I travel, I sign in from different IP addresses which triggers the lock out. This has happened repeatedly. The website I tried to sign into instructed me to call XXXX. However, a machine answered and asked me for my credit card number, despite the fact that I have no credit card with JP Morgan. After wasting several minutes of my time, and waiting for several machines to spew out irrelevant garbage, someone finally came on the line. However, this person also asked me for my nonexistent credit card number, then referred me to another person who did nothing to restore my access. The second person could not be understood clearly. The connection was poor and she had an accent. She asked me some XXXX questions about pet insurance ( which I used to have but do not presently ), then announced that she needed to change my password and would send me information to my home phone. Since I am hundreds of miles from my home phone, I explained to her that this was pointless and asked her to stop wasting my time. She then announced that she would not grant me access to my account for " security '' reasons. Let me clear here. The problem with this dysfunctional system is that there is no person at JP Morgan who is accountable for these problems and various other people who want non-existent credit and debit card numbers go through irrelevant routines when people are arbitrarily but routinely denied access to their money. 

This has been the situation on my accounts for years. JP Morgan is unaccountable for ensuring that online banking is reliably available instead of intermittently so. 

I have bills to pay and need to check which checks have cleared. But I can not do so with the abusive and deceptive practices of JP Morgan.
I have been working on a deed in luie for over a year with BayView Loan Servicing and they keep kicking the paperwork back, do n't return calls, or keep setting me up in different programs I did n't ask for. Recently, I 've been entered into a forbearance agreement .... But I never asked for one. They can see from my financial disclosures that I ca n't afford to pay anything on my account. 

My processor, XXXX XXXX, writes me letters with her email address. I email her and she never responds. She includes her phone number, but she never answers it.
On XX/XX/XXXX Equifax responded to my CFPB complaint stating that XXXX # XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX have all been verified.

Ive informed Equifax numerous times that I do not know these accounts, and requested that they send me the applications and agreements with me signature, for when these accounts were opened. Ive received nothing from Equifax.

If the above-mentioned accounts were verified as outlined in the FCRA, then the original creditor must have sent Equifax copies of the application, agreements with my signature. I respectfully request that Equifax open my file, and send me copies of the applications, agreements with my signature, as proof and verification. If they can not provide me with the proof that I need, then the accounts must be promptly deleted.

In addition, XXXX XXXX XXXX # XXXX, was also included in my previous disputes, but as noted in Equifaxs response to my CFPB complaint, it was removed because they were unable to verify the account, and they were unable to provide me with the proof that I requested.

OnXX/XX/XXXX I purchased a copy of my Equifax report and discovered that the previously deleted account ( XXXX XXXX XXXX  # XXXX ) was reinserted into my credit report.

As outlined in the FCRA, Equifax is required to notify me within five ( 5 ) days of reinserting a previously deleted item. At no time did I receive said notification.

This is a violation of FCRA 611.

Please delete the above-mentioned account immediately.
While under contract to Sell a home, the Buyer 's lender repeated lied to me about the Buyer 's ( who is also a licensed Real Estate Agent ) ability to obtain a loan on the home. 
I am the listing agent. This lie cost many months of aggravation, thousands of dollars, hours of work to me, the Sellers and the Sellers of the replacement homes involved. 
The Sellers had every intention of filing a complaint ... but decided they did n't want to add to their stress and aggravation. That is why I am filing instead. Both Loan Broker and his managers have admitted that he purposefully deceived me at the direction of the Buyer/Agent. I was told the Buyers were " clear to close '' with the exception of their contingency to sell their current home. In the end, I found out they had been denied the loan by the in-house lender, then denied the loan by an outside investor. Just days before the final 'closing ' date, I was told everything was good to go and that they were just waiting on final numbers ... it turns out the lender was submitting the loan package to a third investor. They were ultimately denied that loan as well.
I came into a financial hardship when I was hospitalized from an automobile accident and IRS issues which caused me to be out of work and late on my auto loan with Capital One Finance for several of months in 2017 for the amount of {$380.00}. Im now current on my auto loan and written a goodwill letter to have the late payments removed because Im now financially stable and able to keep my account current.
I received a letter about an unpaid debt ( which is not real - I have no unpaid debts ). The letter threatened wage garnishment unless I paid them, or I could give them all my dependents ' names and Social Security numbers to have the amount reduced. This is an incredibly obvious scam, but I can see people still falling for it.
Two weeks ago I placed an order with a company that did not provide the address ; after paying for the products via PayPal, I found out the company was in XXXX not the US. I immediately cancelled this order online as this company, XXXX, has a 24 hour window to cancel the order. The company attempted to make me accept a " cash coupon '' and I continually refused. This account is now in dispute with PayPal but they are still asking for a payment to be made on this account even though this is in dispute. 
Dispute Case ID : XXXX Transaction Amount {$110.00} Dispute Amount {$110.00} Transaction ID : XXXX Transaction Date : XX/XX/2018 XXXX attempts to force me to keep this purchase by continuing to send the items even though I cancelled this order immediately. 
PayPal Disputes keep saying conflicting statements : we will refund you the money since you cancelled this order ; no, we will not refund you the money as we do not deal with buyer 's remorse ; FAX your emails to the company to PayPal at XXXX ; then no we do not accept fax. 
Thus, PayPal continues to request that I make payments on time when there are two ( 2 ) disputes that equals the balance. I am refusing the packages on these disputes ; however, it will take forever to get back to XXXX. 

PayPal continues to misrepresent the truth, will not give the correct fax numbers ; can not contact PayPal via the portal. This is an absolute mess. PayPal is horrible. It is far better to only purchase via XXXX not directly with PayPal.

It seems that PayPal knows many of the goods are defective and poor quality from XXXX and it is so very hard to secure a refund or return the products. 

Second Dispute XXXX XX/XX/2018 {$24.00} This item arrived on XX/XX/2018, I am refusing this item and giving it back to the post office unopened to send back to XXXX.
My ex-wife used my name to get a cell phone account that I did not give my permission. Now they contacting me to collect the debt. Because she my name. XXXX XXXX XXXX  keep on passing the debt over different collection agency so they can keep affecting my credit score. This debt was made in Alabama, I am in North Carolina been here since XXXX. These people traced me down but can not find her and she is there in Alabama where the debt originated from. Talk to XXXX XXXX XXXX two years ago when this took place and told them this is identity theft. They told me they will take care of it, but they are still holding me responsible.
Last XX/XX/XXXX my ex husband was late on the car payment with capitol one auto finance, Because he was not on time with his payment my credit score and report were and are still being effected. His failure to comply with court orders is preventing me from moving on and providing a place for our daughter and myself a place to live. I have worked very hard to repair my credit and have had no late payments in 4 years except this one from my ex husband. I believe that in goodwill the derogatory report should be removed because it was not my fault and the vehicle should have been out of my name if the ex had followed court agreements 2 years prior to the late payment in XX/XX/XXXX. I  still have to suffer because of his negligence even though we are no longer married. In XX/XX/XXXX there was a court ordered agreement that he insisted on keeping the vehicle a XXXX XXXX XXXX. He agreed to have the vehicle refinanced and my name removed from the vehicle loan which he failed to do by XX/XX/XXXX. I filed for our divorce and included in our separation/divorce agreement there were two separate times he again agreed to have the car refinanced and my name removed from the vehicle. Which he failed to do, I filed with family court a '' Rule to show cause '' why he was unable to follow through with our legal agreement. the court gave him 4 months to have the car refinanced. We were scheduled for another court hearing on XX/XX/XXXX he did not appear for the hearing and claimed he was out that day having the car refinanced. He was able to refinance the car and have my name successfully removed. The loan with capitol one was paid off that was the only late payment ever made on the account. I would like to put this behind me and move on with my life.
XXXX home loans has put an auction date of Monday, XXXX XXXX on my XXXX-year-old mother 's home that she has owned for 10 years at an 8 % interest rate. They have received numerous modification applications from us. A full modification application was sent in to them once again six times this month alone and again today. All complete loan modifications that were sent in ( XXXX pages ) were sent certified overnight mail with a tracking number by fax and also by email. A phone call to XXXX home loans was made directly before and after the packages were sent each and every time. It is illegal for the auction date to be in place still. We have tried buying it from her, modifications, etc. for a year now. We are now looking for a lawyer to help stop the sale file a restraining order. We have been treated very badly and unprofessionally by XXXX home loans. We had horrible communication with them there 's no reason for us to be denied a loan modification. We were told by a lawyer, XXXX loan officers, the HUD hope hotline, and even by employees at XXXX that we were sure to qualify after seeing all of the paperwork. One day a XXXX employee stated " 8 % is ridiculous. We will defiantly be able to help you '' We had an extreme increase in income over the last month and send in the paperwork again as instructed by a XXXX employee and the sale date still remains. The XXXX called us yesterday to speak to us about our story. Our mother is not well we need her near us so that we can care for her. Her mortgage was paid for almost 10 years religiously before our families recent hardships. My XXXX-year-old elderly mother deserves a fair interest rate for today 's market. 8 % is not that. We live with a XXXX XXXX war VET who even tried to buy the home so that she would not lose it. They said that this was fraud. Every time we call XXXX home loans we speak to a different person. There is no consistent point of interest person. In addition we also just found out that not only has my mother been paying her home owners insurance up-to-date and on time for the last 10 years but XXXX has also been charging her for that as well. Double charging and she now is to receive a " refund '' for that " mistake '' on their part. The XXXX contacted us yesterday to hear our story apparently she is not the only one being victimized and the New York XXXX is examining this private equity firm. My XXXX-year-old mother deserves a fair mortgage and a fair interest-rate in in her home and in the neighborhood that she has lived in for almost 20+ years now. She should not feel scared and bullied and be left homeless suddenly. Her last check that she sent to XXXX by her own choice to pay her mortgage as she could afford in good faith while going through the loan modification process was returned to her, uncashed so that XXXX could put an auction date on it. Who takes a XXXX year old Grandmothers house on XXXX who is asking for help and still willing to pay? XXXX Home loans. That 's who.
Can't XXXX Was Notified that they are not reporting to Equifax four months ago and still not reporting and reporting the wrong payment on account