WillisBack/dataset-financial-user-claim huggingface dataset:
This is a follow up to the complaint that I filed on Monday XX/XX/XXXX. It seems that XXXX /Smith XXXX Debnam XXXX Narron XXXX Drake XXXX Saintsing & Myers XXXX LLP. has filed a Judgement against me as a form of spite, retaliation, and retribution as a result of the complaint that I filed with CFPB a few months ago against them for excessive calling on my home phone and cell phones. I feel my rights have been violated ... my Freedom of Speech for one. It seems like when the citizens or consumers speaks out, the business lashes out ...??? Why filed a Judgement against me when XXXX has known that XXXX XXXX XXXX has been communicating with them since XX/XX/XXXX??? 
A few days ago, an XXXX XXXX from Executive Office of Customer Advocacy within XXXX sent me an email stating that XXXX would be investigating my concerns from the previous complaint that I filed on XX/XX/XXXX and would send me a detailed response upon completion of the investigation. This tells me that XXXX is unsure of the actions and business practices it has done in this matter ...??? How often does a business calibrate itself ... when something is out of tolerance ...??? Well, I 'm not going to " tolerant '' the actions of XXXX and XXXX ... 
I have written a letter to the President of the United States of America at the White House. I have explained to him in writing about this situation and included a copy of the Judgement against me by XXXX, filed by XXXX XXXX ... I want the President to know what 's going on in the real world and the business world. I have requested help from anyone in his government on this matter ... I 'm waiting for his reply now. Also, I 'm writing to any state and government official that will hear me on this matter. I want the whole world to know how XXXX and XXXX have treated me over these last several months. 
I 'm requesting that the CFPB, the Federal Trade Commission, the FBI, and members of Congress investigate Discover/ Smith XXXX Debnam XXXX Narron XXXX Drake XXXX Saintsing, & Myers XXXX LLP for their actions and practices. Number 1, I would like to know who authorize the Judgement against me, Number 2, why? 
I should not be bullied, harassed, intimidated, and threatened because I want to get my debts consolidated, paid down, and paid off. I 've had to endure this for almost a year now! I put " All '' my trust in XXXX and HE will fight my battles for me!!!
Equifax did not take the necessary steps to safeguard my information, as well as the information of many others. Their recent security breach ( announced XXXX XXXX 2017 even though they were aware in XXXX 2017 ) is unacceptable for an organization that freely collects as much personal data as it does without the consent of the people it is collecting on. My only course of action here is to put a fraud alert on my social security number for the next 90 days and hope that my stolen social security number wo n't be used in the future to steal my identity. I do not wish to utilize the proposed Equifax credit monitoring services because it waives your right to be involved in a class action lawsuits against them.
On XXXX XXXX, XXXX I received an alert from my credit monitoring service stating that a new debt was added to my credit report. I logged into my credit monitoring account and it was brought to my attention that Allied Interstate, LLC ( a collection agency ) added an account from XXXX XXXX onto my credit report on all 3 credit bureaus for an owed amount of {$700.00}. According to my credit monitoring service, it states that this account was opened on XXXX XXXX, XXXX. I do not owe this debt because I have never opened an account with XXXX XXXX whatsoever. On XXXX XXXX, XXXX I opened an online dispute via XXXX XXXX XXXX XXXX websites. I was informed that it could take 30 to 45 days to get a response. On XXXX XXXX, XXXX I received numerous calls from an unknown number ( XXXX ), when I called the number back it was Allied Interstate LLC. On XXXX XXXX, XXXX, the very next day, I received an email from XXXX stating the Allied Interstate account came back verified. I am at lost with words as to how Allied Interstate can verify this account by solely calling someone constantly. I immediately called XXXX and did another dispute over the phone because this account does not belong to me. On XXXX XXXX, XXXX received the results via email from XXXX stating the same, that the account was verified. The online dispute is still in pending for XXXX until XXXX XXXX, XXXX. After receiving the results for my online disputes for XXXX and XXXX I called them and asked what method of verification did Allied Interstate provide to prove their case and they could not provide me with that information. I do not know what else to do now but file this complaint because I do not nor ever had an account with Allied Interstate or XXXX XXXX. I have even reached out to XXXX XXXX and I asked them to search my name in their database for any account and I was told verbally that I have never opened an account with them. I then requested a written letter, but I was told no one in that department or any department does not have permission or the means to do so as hard proof that I have never had an account with them.
I was involved in an XXXX XXXX on XX/XX/XXXX. I treated for this injury from XX/XX/XXXX until early XX/XX/XXXX at XXXX XXXX and I was under a letter of Protection. I should not have been billed for these services but I have been continuously billed for them.
XX/XX//2019 - I sent a letter to the Dept of Ed/Navient requesting the original instrument of indebtedness in its entirety to validate the debt obligations that are reporting 8 times on my credit. 4 accounts show current and 4 show closed. I received back the first page of a master promissory note. The other 7 pages are missing. There are no account numbers to verify the account numbers reporting on my credit. The single page master promissory note does not show the amount of the debt requested. I also received a computer printed balance statement of account.
I never open a account with XXXX its shows reported incorrect in my credit report pls remove from my credit history asap
I have had problems with Ditech Mortage charging bogus fees, making false statements about my agreeing to have payments taken from my bank account, we have met our payoff but the bogus fees that have been added have me owing thousands more than I should owe Ditech did not and still refuse to send a payoff letter in writing to me. I should have received this letter in XX/XX/XXXX I did get a bill for {$3600.00} in XX/XX/XXXX.When I inquired about it I was told my loan matured in XX/XX/XXXXI was not made aware of this until XX/XX/XXXX. By that time enormous fees and interest charges had already been added.I did have a Deferral of {$730.00}. I have paid XXXX since XX/XX/XXXX. claim they have return check for XXXX on XX/XX/XXXX all payments are paid though XXXX  not the bank
I accessed my credit report and saw that there were at least XXXX social security numbers that I did not recognize associated with my name. In trying to rectify the problem, I am asked to pay for services to access my credit report again. There is erroneous information on my credit report which does not belong to me and it is hurting my credit score.
I have contacted the company several times trying to figured out exactly what this matter is and but before they would give me any information they want me to give them my full social security number over the phone which I am not comfortable with doing. There are two accounts listed with this company and they wont do anything but tell me I have to pay or the next step is court. Ive disputed these two accounts with all three credit bureaus however it remained on my credit reports.
I had two accounts with XXXX XXXX  ( XXXX, XXXX XXXX ). Due to unemployed these tow bills when into collections. The first collection agency was XXXX XXXX XXXX XXXX XXXX, I sent them a letter stating that their company did not have license to collect a debts in the state of Maryland. So in XX/XX/XXXX I received letters stating that my accounts had been sold to D & A Services. I sent them a letter stating that they did not have license to collect in Maryland, the letters was sent XX/XX/18 and XX/XX/18.In the letter I asked them to remove the two accounts from all 3 credit reports. I have not yet to get a response from their company.
Two collection agencies by the name of Loan Science and XXXX has been continually harassing me by phone. It started on XX/XX/2016 with calls from a company by the name of XXXX - XXXX. They have called 1x XX/XX/XXXX ; 2x XX/XX/XXXX ; 2x XX/XX/XXXX ; 2x XX/XX/XXXX ; 1x XX/XX/XXXX ; 1x XX/XX/XXXX ; 1x XX/XX/XXXX ; 1x XX/XX/XXXX. Then on XX/XX/XXXX I started receiving calls from Loan Science. They called 1x XX/XX/XXXX with phone XXXX ; 3x XX/XX/2016 phone XXXX ; 1x XX/XX/2016 phone XXXX ; 1x XX/XX/2016 phone XXXX ; 2x XX/XX/2016 phone XXXX ; 1x XX/XX/2016 phone XXXX. They are looking for a person by the name of XXXX. Both of these companies are looking for the same person. I explained to their representative " I do not know of this person or have I ever heard of a person by this name, and that I am listed on the XXXX and also my State of Indiana Do Not Call List ''. The representative then hung up on me. They continue to change their phone number with each call so it is hard to monitor who is calling. They should not be allowed to harass people on the Do Not Call lists who have no knowledge of a debt that is owed by someone that they have no knowledge of. They should be held accountable for violating the National and State Do Not Call Lists. I myself, have never had a student loan in my life!
I had a credit card with Wells Fargo ( I do n't remember the open date ). I closed the account and the remaining balance are just fees. I thought the fees were waived because I closed the account. However, the balance remained on the account and now the account is charged off and is being reported negatively to the credit bureaus. The balance on the account consists of only fees. I feel this is a compliance violation as I should be responsible for the balance if its just fees.
I was given a Payroll Memorandum from my employer stating they will be garnishing my wages. I was totally blown away had to clue what this was for? I looked at the address from the paper work it 's my sister address. I called the number listed they stated it was served to that address which i never lived there. I use my sister 's address to get packages shipped. The collector states he was awarded to garnish my wage due to me not showing up to court on a debt that was charged off from the cc company in 2012. I filed a dispute with that collector company and they stated you can file but? we are still going to garnish XXXX % from your employer. The paper work says XXXX Sheriff Levy and then says filed in XXXX, Ca. I do n't see how companies can do such a thing? Seems like total fraud a credit card company has charged off on the debt 2012 ... how can they harass and individual and then embarrass me at a new employer? I ca n't sleep and have been XXXX over this. I am barely getting on my feet financially. Please let me know what I can do?
Wells Fargo Executive office has worked on a current dispute for over 3 -4 months, during this time Wells Fargo charged me interest and applied a 30-60 days late on all credit beaures this merchant was paid on time, and I was never delinquent or defaulted on this loan. The creditor has ignored requests to remove this and todate the creditor have not provided a closure letter regarding this dispute. The creditor failed to remove {$870.00} from my account.
My bank is Wells Fargo, and there always seems to be a problem going on in my account.Some of the bank accounts were opening separate accounts, and moving money from XXXX account to the other.That a reason why my funds are low. I do n't want to move my money from XXXX account to the other.I want to solve this issue right away. I want a suggestion to see if there is a good online bank has great customer service, that is recommend to move my funds there.I would appreciate a response.
I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I have a a unverified account from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, This company has sent out a UDF form please update and delete.XXXX XXXX XXXX XXXX # XXXX, This account is a duplicate please delete XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have filed several complaints witout any responses it has been past 30 days. I need all 4 accounts deleted asap.
Complaint is in regard to Portfolio Recovery Associates, on a credit card account for XXXX. XXXX account # XXXX, issuedthru XXXX XXXX XXXX. 
I have tried to call Portfolio Recovery, about a dozen calls in all, they flip your call from one rep to another, and / or disconnect the call. I have asked to speak to a supervisor, XXXX XXXX, to no avail. They send you to their PRA Resolution website which does not allow me to submit the complaint. 
I am enclosing XXXX pages of documentation. 
First XXXX pages are letter sent to me on XXXX/XXXX/XXXX along with refund check of {$160.00}. Amount of payment is incorrect according to paragraph XXXX of their letter, that states that the refund is in accordance with the consent order reached with CFPB, and that the refund amount covers payments made in the first 60 days. 
They keep telling me that the amount they sent was DETERMINED by CFPB, and refer me to you. 
XXXX XXXX and XXXX of my documents are copies of settlement agreement dated XXXX/XXXX/XXXX. First 2 payments scheduled are XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 
FIRST 2 PAYMENTS WERE MADE WITHIN 42 DAYS AFTER AGREEMENT MADE, BY PHONE. 
XXXX XXXX and XXXX of the attached documents are copies of XXXX XXXX XXXX statements that show that payments of {$160.00} were actually withdrawn fom my account electronically on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, for the benefit of payee Portfolio Recovery. 
SINCE THEY RECEIVED 2 PAYMENTS TOTALLING {$320.00} IN THE FIRST 42 DAYS FROM AGREEMENT / ARRANGEMENT MADE BY PHONE, I FEEL THAT I AM DUE ANOTHER {$160.00} REFUND CHECK, AS PER TERMS OF CONSENT ORDER. 
IN ADDITION, AS YOU CAN SEE ON XXXX/XXXX/XXXX LETTER SENT TO ME THEY HAVE FAILED TO LIST CONTACT PHONE NUMBER FOR CFPB, AND OR WEBSITE FOR CFPB, FOR FURTHER FOLLOW-UP. 

Please enforce the consent order terms to the fullest extent. If they are trying to XXXX me, they are doing it to others, as well. 

Thank you, in advance, XXXX XXXX ( XXXX ) XXXX Email : XXXXXXXXXXXX
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Fed Loan Servicing is my lender or I thought they were my lender. This company solicited me online and I electronically signed documents online. Needless to say, I discovered that they are a third party and that all the payments I made never reached my loan! I called them to request a copy of my promissory note and they told me that they received a certification from the original lender about the amount due. I then sent them a debt validation letter via certified mail on   XXXX   XXXX  , 2017, formally requesting the promissory note so that I can determine the amounts due, the interest rate used to calculate the amounts, etc. Till this date, I have not received any documents from this company regarding the promissory note and/or payoff they must have received from the original lender. It is impossible I owe the amount they state. I need to see my original promissory note and all subsequent notes and/or forbearance paperwork. I need to calculate the amount owed myself. I am an   XXXX   and my  XXXX  have  XXXX . I have been working in the   XXXX   field for twenty years.
I contacted all 3 credit bureaus and provided my identity theft packet and police report detailing fraud on my credit. Both XXXX and XXXX blocked the fraudulent account ( XXXX XXXX Credit Card ) within 4 days. Equifax, however, filed a 30 day dispute upon which the data furnisher ( XXXX XXXX ) " verified '' the fraudulent account as mine. During the process of the dispute I spoke to a manager in the fraud department with a heavy accent in XXXX that indicated the fraudulent account would be removed because a police report had detailed the fraudulent account after the 30 day dispute was complete despite the data furnisher verifying the account or not. However, upon calling back I was told by several representatives that only another 30 day dispute could be filed since the data furnisher " verified '' the account and that it would be up to the data furnisher to decide to remove the account from my credit profile. This is a direct violation of Section 605 B of the Fair Credit Reporting Act that states that any fraudulent information resulting from identity theft shall be blocked within 4 days by the credit bureaus upon receiving from the consumer a police report detailing the identity theft. Equifax filed another dispute ( Confirmation # XXXX ) and refuses to comply with federal law, specifically the Fair Credit Reporting Act.
EXPERIAN CONTINUE TO VIOLATE FCRA WITH REPORTING SAME ACCOUNT ON FILE 3 TIMES " XXXX '' PUBLIC RECORDS CASE # XXXX AND XXXX # XXXX, FORMAL FRAUD AFFIDAVIT WAS FILED WITH COMPANY AND FTC ON ABOUT XXXX/XXXX/2012 ; CASE # XXXX ...
This dispute has been faxed twice already and I have had no response from the CFPB or Equifax. The information required has not been supplied as asked for. Until I get a satisfactory and accurate answer, this question/dispute will be repeated until it is answered. 
The CFPB has ignored my dispute in this matter.This account is being reported by Equifax as " OPEN '' while all other Credit Reporting Bureaus it is reported as " CLOSED '' Equifax is to explain why?
-My college loans were transferred to Mohela three years ago. 
-I had a XXXX and applied for XXXX relief. 
-Through the XXXX relief program ( XXXX ) suspended any and all payments to be made to Mohela . 
-XXXX advised they contacted Mohela of the suspension of payment. 
-Mohela kept trying to collect on the transferred student loan, to wit ; XXXX dollars. 
-Mohela said XXXX it were still collecting on the loan and were gon na ruin your credit. 
-They, Mohela reported a 90 late payment on my credit history-Now may credit history went from XXXX to XXXX because of this frivolous reporting by Mohela-Five days later the loan was paid in full by a credit card due to the continued harassment and threat to ruin more credit. 
-Mohela reported a loan 90 days late when XXXX suspended payments due to XXXX. 
-- its bad enough experience a XXXX now I have to struggle with a bad credit report and only late payment shown on my credit which has hurt my chances of obtaining viable loans and credit. 
-Please help with this complaint and please stop mohelas egregious behavior
I recently tried to open a new checking account with a bank and was informed that I was not able to get a new checking account because XXXX was reporting me as owing Suntrust Bank which was very surprising to me. About 2 years ago I started having problems with Suntrust Bank and the manager at the time promised that she would resolve the issue. I made deposit into the bank and they had the account all out tof sorts, which the manager asked me to wait a few days to rectify the situation which at the time I agreed to. I used to receive direct deposit into that account from the state of MD which I later stopped and changed because of continued issues with Suntrust Bank. The problems persisted and never corrected. I went into the branch located on XXXX XXXX in XXXX, MD and requested that this account be closed. I was assured that the account was closed however it was not. <P/>After I was denied a checking account I contacted Suntrust that it appears that I did go into the bracnh to discuss those issues I was having and the it also appears that an error occured and the account never closed which a charge or charges happened and kept it opened and then they later subsequently kept it open without my knowledge and later sent it into overdraft and then they later charged it off. <P/>I did not understand how that could be possible when I requested that the account be closed and was assured that it had been. I was asked by Suntrust to go into that branch and request that the fees be reversed and the account closed properly and they would not. <P/>I also offered to pay anything that they claimed that was actually mine in other to rectify they issue and the bank insisted that I needed to pay the complete amount of {$490.00} which supposedly all fees. From maintenance fees to fees for being in overdraft fees for a prolonged period of time. <P/>I have also been contacted by a collection agency XXXX XXXX XXXX XXXX XXXX in connection with this account.
I disputed with with the company in XX/XX/XXXX. The companies received my disputes according to certified mail. It is now XX/XX/XXXX and I have yet to have the information actually verified. I have filed a report with the FTC regarding the information being incorrect. Individuals have tried to obtain credit in my name without my authorization. Those negative remarks on my credit history have made it impossible to obtain new credit.
Someones used my information XX/XX/2017 to get a auto loan with XXXX XXXX XXXX. I contacted the company and they refused to resolve the matter. I then contacted all 3 credit bureaus and requested the information be blocked under FCRA 605B. XXXX and XXXX removed the fraud account without an issue. Equifax sent me information as if they were investigating it as a dispute. Which is not following the rules on FCRA 605B. I have submitted my information several times. Equifax is not following FCRA 605B and blocking fraudulently information. Each time I request the information blocked a dispute is started and then the fraud information is updated instead of being blocked.
XXXX XXXX, Vice President with Caliber Home Loans response to CFPB # XXXX is that Caliber Home Loans have not violated any servicing guidelines on my loan. Caliber also claims that Caliber has already provided me with supporting documentation and/or  clarification relating to XXXX XXXX. When in fact all of the supporting documentation that I have received from Caliber to date supports that she was/is an employee of XXXX XXXX XXXX XXXX. aka Caliber Home Loans and/or XXXX XXXX XXXX. To date I have received no supporting documentation that XXXX XXXX had power to execute on behalf of XXXX XXXX XXXX., XXXX XXXX XXXX of North Carolina or XXXX. Furthermore I do n't have documentation that she had power from Caliber Home Loans either, because she is not listed on nether one on the Certificate Of Incumbency that I have on file for Caliber Home Loans. I only have documentation that she worked for XXXX. XXXX XXXX. I have never been notified by XXXX or XXXX that my servicer changed to XXXX XXXX XXXX XXXX. If Caliber or someone would deeply Investigate th is matter, I am sure we can bring it to a resolution.