WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX has changed the CD and terms of this loan. They were allowing the seller credit to take care of all Fees and disclosed this in the XXXX they send me, but now that we are trying to fund, they are saying that we can not use some {$5000.00} of the seller credit to close. My contract expired on XX/XX/10 I have an extension to the XXXX. But we have not funded. My name is XXXX XXXX XXXX and My Email address is XXXX my phone number is XXXX. My loan # XXXX XXXX XXXX is XXXX XXXX XXXX XXXX.
I do not have a signed contract and or knowledge the company ERC which also goes by the name of Enhanced Recovery Company. The mentioned company has placed a debt collection as a derogatory mark on my credit as a third party debt collector agency for XXXX XXXX. The amount shown to be owed is {$1600.00}. It is against the law to collect on a debt that is not associated with the original collector and ERC has failed to provide documents that show I had a contract with them! and being that they are not able to provide the documents for the validity of this debt they have to remove the debt and I am requesting that it is removed immediately! I am not responsible for this debt and would like it to be removed from any credit bureau that it is shown. I have repeatedly received threatening correspondence related to this debt but no validity of the debt!! If the debt is not removed from all 3 Credit Bureaus as requested I will be seeking a lawyer as the debt is erroneous and not owed to ERC
My family booked a room for two nights direct with the XXXX website for XXXX Arizona. However, it required joining their Wyndam Rewards club. Did that and it promised to give a XXXX dollar credit if I also applied for the Wydam Rewards Visa card issued by Barclays Bank Delaware. I checked to do that and apply the credit. No such luck. Instant denial with a XXXX credit score at XXXX XXXX ( the one they used ). Booked anyway since was my birthday get away. 

Two weeks and a day later, the credit denial letter came. But, the motel room was not acceptable and we stated at the counter we could not stay in such a horrible room another night and asked to be let out of a reservation for the second night. Manager/owners refused. 

XXXX and XXXX companies are playing the game and will not stand behind their quality policy which is readily available. XXXX was on bathroom door. Sheets dirty and soiled. The worse part was my side of bed had a sheet ironed which became brown and had a XXXX inch or so spot which was as course as sand paper # XXXX. A video shows and allows you to listen to the sound of this spot, ruining the use of the bed for the first night. 
XXXX The video says it all. 

XXXX XXXX
In XX/XX/2018 I sent a dispute to Equifax regarding a collection account with XXXX XXXX XXXX that is being illegally reported on my credit, and they closed my dispute while allowing the illegal activity to continue. 

In the info I send to Equifax, I included copies of the documents I sent to XXXX XXXX proving they are violating my rights as a consumer under the Fair Credit Reporting Act by ignoring my request for validation and " terminating the dispute '' without any proof that they have a legal right to collect the alleged debt. 

With all the proof that shows that XXXX is in violation of the FCRA, XXXX   still did not delete the account. 

XXXX has not validated this debt per my request and I have NEVER received any documentation from this company until AFTER I contacted them because I found them on my report. I never received a dunning letter from them nor any proof this is my debt, as requested. 

This account needs to be deleted immediately as it is in violation of my rights.
On XXXX XXXX, XXXX, I request debt validation of the following XXXX debts placed for collections at RENTON COLLECTIONS, INC. 

XXXX. Original creditor XXXX XXXX XXXX {$900.00} XXXX. Original creditor XXXX XXXX XXXX, XXXX Balance {$260.00} On XXXX XXXX, XXXX, I mailed a second request for debt validation regarding the above referenced accounts. 
I did not receive any information regarding these debts, and the collection agency has failed to validate the debts. 

XXXX LAST NAME HAS CHANGED FROM XXXX XXXX XXXX XXXX
I wrote the 3 credit bureaus and notified them the judgement had been satisfied and attached documentation as proof. The only one to not remove it was Experian. Now I am delayed on a mortgage and rates are going up!!
XXXX is reporting to Experian that they are currently collecting a government claim on my student loan, when in fact, my loan is current and currently being serviced by XXXX XXXX. 

I am unclear why the amounts of my original amount of approximately XXXX and XXXX each ( about XXXX in total ) now totals over {$30000.00}. Formerly XXXX XXXX has reported a total of the XXXX loans which i consolidate and are now XXXX at XXXX XXXX. 

I need this removed from my credit report because it is not accurate and s hindering my potential mortgage.
Portfolio Recovery claims I owe them {$560.00}. I do not owe them this money as any money owed was paid years back. The costumer service of the company said they would fix this problem and that it will no longer show up on my credit file. It still does which Is a huge problem since I do not owe them said amount.
Previously disputed item from XXXX XXXX XXXX which has been deleted from XXXX, experion and XXXX reappeared on my credit report. No notification is yet to be provided to me. No communication from the collection agency. They did not send any letter, so I do n't even have an account number so I can talk to them.
On XXXX XXXX 2015 I went to a store " XXXX XXXX XXXX ''. I talked to salesman by the name XXXX. He sold me a mattress, and a box spring for {$280.00}. The address of the store was XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. He took my information and told me about a free program through the government that helped low income people get a new and better bed. I did n't even need to fill out any paper work. Turns out this was a fake program. He used my information to take out a loan in my name. Furthermore, he shipped me a cheaper bed than the one I picked out out and paid for. Also, please note, He set up automatic payments for this bed. But it is linked to an account at a bank I have never used.
I have an interest Chequing account with Ally Bank. The account number, routing number, my signature, home address, date of birth and other vital information was compromised. I called the bank ( also in writing via their secure message process XXXX to confirm that someone having the above information ( and more ) would be able to access the account and withdraw all the funds. The bank representative confirmed that this is the case. I accordingly requested that to prevent such from happening, that they open an identical account, transfer the funds from the compromised account to the identical account and close the compromised account, thus being proactive and preventing any possibility of the party involved carrying out the possible fraud, in this case, robbing me of all the funds in the account, with the ability to do it over and over indefinitely. 
They would not do it at the time I had them on the phone, saying they needed a few days to process the request. I knew that meant they would not do it and my suspicion was confirmed when I received a letter from them saying that because of my credit they could not do what I am asking. This is nonsense since I am not a new customer and I ALREADY have an account with them. All they have to do is as I have outlined herein and avoid the potential and highly likely fraud from happening. This has NOTHING to do with my credit. I already have an account with them and all I want is an identical account, but with a new account number, so the crooks can not steal the little money I have that I need to survive ( eat and pay bills and sometimes not even able to do that ). HELP! This is life and death for me and not a joke at any level. I am barely surviving and it would be catastrophic if one penny was stolen from me. In fact although I do not have or want Overdraft Protection, Ally Bank continually charges me Overdraft Fees of {$25.00} and that means my bills do not get paid and/or I have not money for food. Please help.
They told and sent us a statement saying we didn't have mortgage payments for 2 months then they were trying to Default on our home. I am now current on my loan and still being harassed. They are angry that through my chapter XXXX filling we were able to get rid of our second mortgage and ha tried all kinds of tricks to take our home even sending a statement say we had no mortgage payments for 2 months. And even telling me the same thing on the phone. All there phone calls are recorded so it would be very easy to provide. I also have the statement. Since we finished our bankruptcy 42 months payments successfully and have been discharged they have been trying to trick us and harassing us to no end my wife has XXXX and this is to much I am current on my loan can you help me please
I owe over {$1000.00} to my Discover Credit Card and currently can not pay. They were calling me multiple times a day, but almost never leaving messages. On XXXX XXXX at XXXX I received a call from them, followed by a voicemail. My husband was home from work that day and called me a few minutes later telling me he received a phone call from Discover, looking for me. This floored me. His phone number was never put into my account, I even double checked as soon as he told me about this. He received a call at XXXX ONE minute after they called me. The following day ( XXXX XXXX ) I called Discover and asked them whey they called my husband when I never had his number on my account. They told me was that my husband 's phone number was placed on the account the day before ( XXXX XXXX ) but my husband NEVER gave them permission to put his number on the account, and he told me that they never even asked his permission when they called. So just because he answered and verified he was my spouse, they took that as an okay to put his number onto the account?! I was then transferred to someone else, and told that they have a department that will search for other phone numbers to call and try and reach the person they need. I asked how this is okay and they could n't give me an answer. They just kept telling me that they have this department. How in the world is it LEGAL to search for someone else and call them without any permission? What if my husband and I had been separated or going through a divorce and he starts getting calls about MY CARD? Prior to making my phone call to them, I tried dealing with online support on XXXX XXXX and that was a train wreck as well, and they should really work on training their workers better. I am appalled by this and think it is WRONG that they A. call multiple times a day, and B. can just find other people 's phone numbers to harass you even more.
I was essentially extorted by M & T bank into obtaining a mortgage through them. Due to a report filed with XXXX by M & T Bank in XX/XX/XXXX, I was banned from opening a First Time Home Club savings account with any bank other M & T bank. The charge that was reported to XXXX was grossly inflated due to what I feel were inappropriate NSF charges. Even though I did n't think the report was fair, I did pay the amount owed to M & T, in full, less than one year after it was report to XXXX. Around XXXX XXXX and XXXX XXXX, I attempted to open a First Time Home Club account with XXXX & XXXX XXXX XXXX XXXX, but both were declined due to M & T 's XX/XX/XXXX XXXX report. After being declined by other banks, my housing counselor advised me to speak with M & T to see if they could withdraw the XXXX report. I contacted M & T at a branch to inquire about them withdrawing the XXXX report, but was informed that they could n't do that. However, they told me, I could open the First Time Home Club account with them. It seems preposterous that a company can report someone for a delinquent account ( which I believe was not legitimately delinquent ) & then force that same person to use only that bank. It seems to me that the system is designed ( at least in this instance ) to ensure that a consumer has no choice but to select a certain bank. To make matters worse, after successfully completing the First Time Home Club program and receiving the mortgage, and without informing me, M & T switched our First Time Home Club account to a different type of account that charges a monthly fee of {$7.00}. I believe it is the practice of M & T to do this to others in the First Time Home Club program. The account was charged the {$7.00} fee each month until the balance went negative, then it was written off by M & T -- all without ever disclosing the fees or sending me a statement. Upon completing the First Time Home Club program, I told M & T of our new address ( as was required in order to take funds from that account ) but M & T never updated the address for the account. Interestingly, they did have the correct address for our mortgage account. When I inquired about this with M & T they told me it was my fault for not changing the address and that I can not obtain the funds I had remaining in my account before the fees were charged and the account was written off ( they refused to confirm whether this account was also report to XXXX, but implied it was not ). They also provided me with several old statements and told me a fee was only charged XXXX times, but upon reviewing the statements I discovered at least XXXX as many fees as they claimed. At best, switching First Time Home Club accounts to fee bearing accounts without disclosing such a change is deceptive business practice. It is also not plausible that they did not have my current address because they acknowledged having it for the mortgage which was obtained as a result of that particular savings account.
I Talked to the department of Education as soon as I noticed this late payment hit my credit report. I was in Forbearance at the time and it should have never showed up as late. Now unfortunately this caused my score to sink! I called Department of Education and they agreed to get it deleted from my credit report. I called to follow up at the beginning of the month and asked for a specific date as to when it would be deleted and they told me they would not delete it! their calls are being recorded. this needs to come off
This is a reply to Bank of America, NA 's ( BANA )  response to Complaint No. XXXX submitted by XXXX XXXX XXXX. When fraud on the court exists, the orders issued by those courts are void. The courts were lead to believe that BANA had standing to pursue this foreclosure based in part on an affidavit attested to by someone who obviously had no personal knowledge of the facts or actually reviewed the account record. Specifically, the affiant did not review the mortgage document that clearly defines when the loan becomes delinquent. Banks have been afforded far more deference by the courts than they deserve considering the industry was riddled with fraud at the height of the mortgage crisis. In fact, BANA signed a Consent Order drafted by the Office of the Comptroller of the Currency ( OCC ) after an examination revealed flagrant abuses where affidavits were obviously signed by someone other than someone with personal knowledge or reviewed the facts. Similarly XXXX XXXX XXXX, who responded to this complaint, had no personal knowledge or provided no evidence that she reviewed the facts. She was the attorney of record but was not the litigating attorney. My records from the numerous proceedings indicate that she never opened any of the motions I filed with the XXXX County XXXX Circuit Court when the cases were opened. Someone with personal knowledge of the facts should have responded to this complaint. Anyone can get a copy of a docket sheet and summarize. BANA filed or caused to be filed in federal and state courts, an affidavit in which the affiant represents that the assertions in the affidavit was based on personal knowledge or review. Under Michigan law, affidavits recorded with the register of deeds may be received as evidence in any civil matter and serves as prima facie evidence of the facts ( MCL 565.453 ). Prima facie evidence is sufficient to raise a presumption unless disproved or disputed. Despite being rebutted, the court presumed it was an accurate accounting of the facts. The response to my complaint is inadequate and fails to explain issues that are at the heart of this dispute such as : 1 ) Why BANA believes the loan first became delinquent in XXXX 2012. 2 ) Why BANA believes they do not have to respond to my Qualified Written Request sent prior to the foreclosure.
I 've received a letter from Midland Credit Management regarding a payment offer, which is dated XXXX/XXXX/XXXX. Prior to this, I was unaware of any collections lodged against me by Midland Credit Management until I received this letter. I then ordered copies of my credit reports and noticed that Midland Credit Management has an account on each credit bureau 's report and the information contained within each report concerning Midland Credit Management varies from bureau to bureau and therefore, is inaccurate. 

On the XXXX report, the 'original lender ' is reported as Midland Funding Llc and the 'date assigned ' is listed as XXXX, XXXX. However, this is inconsistent with the XXXX and XXXX credit agencies ' reports which lists XXXX as the 'original lender ' with a 'date assigned ' as XXXX, XXXX. The account number is omitted from the XXXX report and the account number is encrypted in XXXX and XXXX reports. 
I have never personally opened an account with Midland Credit Management, nor have I ever accepted any extension of credit from Midland Credit Management, and I have never done any business whatsoever with this company. 

By reporting to the credit bureaus as the 'original lender ', Midland Credit Management is in violation of the Fair Debt Collections Practices Act ( FCDPA ), and my rights as a consumer, to fair and accurate information furnished to the credit bureaus, which is then reported to my credit file and contained within my credit report. Further, Midland Funding listing itself as the 'original lender ' on my credit reports is a misrepresentation of the facts, as it is not the 'original lender ', but a debt collection agency. According to the FCDPA, " the use of any false representation or deceptive means to collect or attempt to collect any debt '' is abusive and is prohibited by debt collectors such as Midland Credit Management, Midland Funding, et al., that lurk as original lenders or original creditors.
Pretender lender loan servicer " Ocwen Loan Servicing '' sent me a delinquency notice regarding the fraudulent {$750000.00} loan modification I signed under fear and distress to avoid Ocwen 's fraudulent foreclosure and trustee sale. I do n't own pretender lender loan servicer a single XXXX, in-fact they own me money. Its a good thing Ocwen XXXX hide behind there computer like little children because they would n't dare get in my face. Ocwen you XXXX have been found guilty of many violations and fraud through your XXXX years. XXXX, not XXXX. Keep on hiding behind your computers Ocwen little children. You are a joke!
1 ) At the XXXX time home buyer class, I was told that the One-mortgage ( Also known as the XXXX loan ) is the program that helps people who can not buy home due to the down payment burden. 
2 ) During the home loan application process with Citizens bank, several times, I was advised that my wife would need to consolidate her education loan with Citizens bank. On XXXX, I found that my wife could get education loan ( income based ) refinance ( payment adjustment ) through the department of education and she applied it instantly. Frankly, In my mind, this words came up to me, " Why they ( Citizens bank ) did not reveal that my wife could adjust the federal education loan payment through the department of education? '' This must be clarified and there must not be any person who loses the chance to lower the monthly payment through the department of education before getting student loan refinance from Citizens bank. 
3 ) When it comes to the maximum amount for the home mortgage ( XXXX mortgage ) at Citizens bank, I was told many different maximum amount that I can borrow. At the last conversation ( last week ) over E-mail with Citizens bank, it was around {$200000.00} ( without downpay ) with my own credit application ( not including my wife ). After I mentioned that my wife applied for the refinance of her student loan from the department of education, the mortgage officer ( NMLS # XXXX ) kept changing my income standard and finally I was not able to have any tangible pre-approval certificate as of now ( XXXX ). The supervisor ( NMLS # XXXX ) introduced by the mortgage officer keep replying " Thank you '' over the E-mail without any responsible reaction. 
Thank you. 
XXXX XXXX
On XX/XX/XXXX, I filed a dispute with XXXX about an unauthorized charge on my account and it 's XX/XX/XXXX and nothing has been resolved. When I called, they asked me to contact the merchant since the transaction was outside XXXX 's. This is ridiculous and I 've never heard anything like this. I believe this is a reg E violation, since no provisional credit was issued neither have they resolved it within 10 days.
CFPB : I receive statement monthly for bank but never received XX/XX/XXXX statement but was told account was delinquent and behind. 

However they said they will send statement so I can see charges. 

However we are concern because you recently ruled on a matter, in regards to XXXX XXXX where I was the sole beneficiary of my wife 's account and said a non custodial party was allowed into account.
Hello, There is a credit inquiry on my reports that I did not authorize. Evidently my credit was checked by Sterling without my consent or knowledge. I have an extended fraud alert on all three of my credit reports which specifically state that any company trying to check my credit must contact me first to verify that it is, in fact me, due to an identity theft. The inquiry was placed on my reports on XX/XX/XXXX. I wrote Sterling on XX/XX/XXXX and notified them that this inquiry was unauthorized, however, they have failed to remove this inquiry.
The credit card company XXXX XXXX keeps contacting my family which is ILLEGAL. I understand my debt is not paid. But repeated phone calls, about 30 a day  and repeated phone calls to family members. If comenity bank keeps contacting anyone but myself I will take them to court and sue for illegal activity.
My mortgage was sold to XXXX XXXX  on XX/XX/2018. I am currently in bankruptcy but am keeping the property, clearly stated in all paperwork. I have made on time payments throughout ( to my previous mortgage lender XXXX XXXX XXXX ). I was told by XXXX XXXX, because of active bankruptcy, I needed to pay by check, money order, or my banks bill pay. I made a payment through XXXX XXXX electronic bill pay ( not a check but an electronic payment i. e. A debit payment ). XXXX XXXX, by default, sent the payment to Loan Care Servicing Center, as they used to be an associate of XXXX XXXX. Someone from LoanCare accepted my payment. It has not been posted to XXXX XXXX, it has not been returned to my account and LoanCare knows nothing. Ive been told by 2 different workers that loan care works for XXXX until today I was told they do not. But because I do not have a loan with Loan Care they cant find my money. I am now late on my first payment with XXXX with no solution in sight. I have {$1800.00} floating around somewhere that no one can find. Loan Care Servicing Center is who has taken my money with no return.