WillisBack/dataset-financial-user-claim huggingface dataset:
Rush card has {$1300.00} of mine held in my account i can view it in there on their website but I have not had access to it since XXXX XXXX. When I have tried contacting them to fix this situation by email, mail and phone I have been put on 1-2 hour holds then hung up on. I spoke with a rep and asked to have my direct deposit returned to the sender only to have them tell me they could do no transactions of any kind. It is now XXXX XXXX and all of my bills are late and I am stranded more than XXXX miles from my home. I still have no access and they tell me they dont either!! Please help!!
It 's for a time share annual dues. The time share gave the debt because I forgot to pay back in XXXX when my credit card was stolen, which I reported. When IO finally got a reminder letter it had already been sent to collections around XXXX. Meridian Financial is the company collecting. The original debt was for about {$680.00}, Meridian wants me to pay {$1100.00}. The same person calls me, during working hours which I have asked him not to call during those times, and he states that he can not call me any other time to work out a payment plan or settlement. When I aske him not to call me during working hours he argues with me, that I should be able to take personal calls at work, and asked why I answered. I answered so that I could let him know that i need a call back after XXXX I believe my rights are being violated on XXXX fronts, I believe I 'm being overcharged for this {$680.00} debt, and calling during working hours, and harassing me at work. I have phone records for verification upon request.
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 to XXXX XXXX XXXX and all e credit bureaus. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and all the credit bureaus a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Dear CFPB, On XXXX, I disputed inaccurate information on my Equifax Credit Report. 
The results came back within 24 hours, so Equifax DID NOT investigate my dispute. 
This is completely unacceptable, and indicatative of Equifax failure to PROPERLY investigate inaccurate Credit Reportng. 

Sincerely, XXXX XXXX XXXX
Overview You're currently using 101 % of your account 's limit. 
Balance {$13000.00} Credit limit {$13000.00} This showed up on my credit history and I have no idea what it is and where it came from. Because of this my credit score dropped by 75 points and I have no idea what to do to fix it. 

Account Details Account status OPEN Type Flexible Spending Credit Card Responsibility Authorized User Remarks No Info Times 30/60/90 days late 0/0/0 Closed No Info
ECMC fails to answer specific questions to my complaint and I am not sure why they will not answer the question. It appears that for a company who wants to be transparent they continually dodge the specific question. Please answer the following questions below : " The promissory note states that I " must '' provide two separate references. The note that you attached fails to state what you will need that for. Are the references needed to find me in the case that I am not communicative? The question I need you to answer is, if the purpose is to not discuss the defaulted loan with the references, then what was the purpose of calling the references? I also have proof that you have contacted individuals outside of the references listed in the note. Please provide explanation as to why? As I have confirmed on multiple accounts my willingness to communicate with ECMC and to find a resolution, please explain why you do not honor this request and contact me via email as this is the method of contact I have requested instead of calling me? Please explain why you continue to call these references, and those who are not listed as my references? If you did not discuss my defaulted loan, what did you want to discuss with those listed as my references and others outside of these references? You state that " ECMC has a continuing obligation to use all methods prescribed by federal regulations to collect the student debt from you. '' If you are attempting to collect from me, and I am communicating with you as evidenced in the communications attached, why were you calling other people? Was it to collect from them when they are not obligated to pay the loan? ''
We have made several attempts in requesting a modification ( HAMP ) with BOA, but to no avail. I feel that I am being discriminated against as B.O.A. have made provisions for modifications for other loans and have not approved this loan. In XXXX of 2012 my wife suffered a XXXX and it has left her XXXX and we loss her income. Prior to my wife 's XXXX we were never late in XXXX years on this loan. In addition, this hardship has caused us to be at imminent risk and we are facing foreclosure on this loan.
Received a call on XX/XX/XXXX regarding an online payday loan that I had borrowed in XX/XX/XXXX. I stated to the caller that the debt was paid in full years ago and I have a paid in full letter. However, the company this person listed was different from the company on the Paid in full letter and I only borrowed from one company. Was told to fax the letter over. The number that called was XXXX, which I looked online and found that multiple people have been receiving similar calls on online payday loans they never borrowed from, including a minor. Also received a called today on XX/XX/XXXX from XXXX stating there was an attempt to defraud a debt and I need to call them so they can " hear my side of the story ''. I check my credit report on a weekly basis and I have NOT received anything in the mail regarding an unpaid debt nor do I have a debt in collections.
I C System Opened XX/XX/2016 + {$190.00} Original creditor : XXXX XXXX   XXXX XXXX This is not my collection account. This account was opened fraudulently.
This is a complaint against XXXX and equifax, I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity the
My employer does not allow personal calls on the 2 main lines in our office. My place of employment is a busy XXXX and XXXX XXXX XXXX XXXX that employs licensed professionals and our patients are always in my office and I am often in meetings and sessions with patients. I received a call from PR and the receptionist had to come in a room in front of co workers and tell me I had a call from ( the reps name ) and it was a personal matter. The caller ID identifies the caller as Portfolio Recovery. I took the call and had to talk quietly and told the Rep to never call that number again. A different day a week later I was in a group that was about to start and the receptionist again notified me I had a Call that was personal from ( the reps name ) I asked her to tell them I could not take the call. About a week later I received a 3rd call from XXXX and took the call and notified the rep ( XXXX ) I had made it clear I would be written up by my employer if I continue to receive calls from a collection agency and it threatened the dignity of my job for a trashy collection agency to turn aggressive and harass me at my employment. She stated she would take the number out but the first Rep said they would not call my employment again and they did 2 more times. The agency knows what they are doing is illegal but because these debts are about to be removed from my credit report they are doing anything to intimidate me and harass me to get their money.
I sent Transunion a dispute letter asking for my loans XXXX Acct : XXXX and XXXX ) listed as transferred from XXXX to be removed from my credit report immediately. I also sent them a copy of my letter I was sending to XXXX XXXX XXXX Exhibit D ''. I sent the dispute by certified Mail ( Exhibit XXXX '' ). I contacted XXXX XXXX and XXXX and they said that Transunion never contacted them. A week ago, I received notice from Transunion that they investigated and no change to my credit report was needed after investigation. It is very clear they did not investigate, because XXXX and XXXX was never notified as well as my proof of deletion letter from them did not allow Transunion to delete the accounts.
My son, bless his heart, gave me a {$25.00} Mastercard Gift Card for XXXX last year. He paid {$3.00} to have it activated. I put it away to use in a few months for something I really wanted - the card was NEVER OUT OF MY POSSESSION in fact IT WAS NEVER OUT OF MY HOUSE. I signed up online to validate the card but then I put it away. When I finally tried to use the card about 3 months later it was denied and when I looked online 3 charges had been made that used up the card. The card has never been out of my possession and it is very suspicious that all 3 of the charges were made at a XXXX Gas Station in XXXX, Missouri and XXXX, Missouri which is close to where my son bought the card. I called right away and was told to fax in a bunch of stuff which I did and had to pay for the fax fee. Then later they said MAIL US SOME STUFF which I did and paid for postage - a month later they wrote me and said SORRY YOU WAITED too long - there is a 3-month time period you have to contact us by. They did n't say 3-months past what? It should n't matter because THEY CHOSE to allow charges to be made without the card present. But it does n't matter to them because they got their money so XXXX me and my son too. But it was not 3 months past the last charge was added but there is no warning that people copy the 3-digit code and can use these. They say KEEP IT IN A SAFE PLACE which I did - they do n't warn you that you better check it EVERY DAY or someone might steal your money. So this is just wrong - they let the money be stolen and they do n't warn you when you buy it that they will let someone steal your money. If I had the card locked up in a bank vault somewhere would have made no difference. They do n't care they got their money - they had me jump thru their hoops and they ignore the attorney general and I am frankly XXXX this is LEGALIZED THEFT. If its a credit or a debit card you have some recourse but with " Gift Cards '' ( should be called ROB YOU OF YOUR MONEY CARDS ) they thumb their nose at you and send a letter after you jump their hoops saying " we 're so sorry ( yeah right ) but there 's nothing we can do because its past 3 months ''. They CAN do something - they can do the right thing but they do n't want to because they are crooks. I have alread spent so much time and money pursuing this - my son did n't give me this gift so I could waste 40 or so hours trying to get {$25.00} - he got screwed and so did I but TOO BAD. So I contacted the Missouri Attorney General and took great care getting all the documents and attachments just right and they finally wrote the company and the company ignored them so it is nearly a year now since my son gave me the card and I have spent 100 's of ours pursuing this and I have had expenses jumping thru the company hoops after which they told me WE ARE SO SORRY WE CA N'T HELP YOU ARE TOO LATE. Too late? As soon as I found out I contacted them - I thought since the card was with me locked inside my house it was safe but NO ONE CARES.
I have XXXX hard inquiries on my Equifax credit file that I clearly did not authorize. I asked the agency to provide me with proof multiple times and each time the say verified which I know they did n't. These are the inquiries XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  10/4/2016, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Please remove.
A loan modification package was submitted to XXXX XXXX on XXXX/XXXX/17 - we were advised that the loan was being transferred to Caliber home loans on XXXX/XXXX/17 effective XXXX/XXXX/2017 - XXXX XXXX denied the loan into review with loss mitt. We then called Caliber on XXXX/XXXX/17 the day we were notified of the change in servicer 's, Caliber advised that the loan would not board their system until XXXX/XXXX/2017 - The clients home is set for Foreclosure sale on XXXX/XXXX/17 and neither servicer will accept the loan modification package for the review or postpone the sale date due to the transfer in servicers.
Around XXXX or XX/XX/XXXX, I had received a bogus billing from STELLAR RECOVERY # XXXX regarding a {$230.00} bill with XXXX. I immediately called Stellar @ XXXX XXXX XXXX XXXX, explained that I had never had an account with XXXX XXXX and received their statement that their records would be corrected and the matter would be resolved. Shortly thereafter, I received a bill from my XXXX Credit Card and I noted that my FICO d fallen about XXXX points to the XXXX range, so I ordered my free credit reports from the XXXX credit bureaus to investigate the situation. I received the credit reports and noted the bogus report from STELLAR RECOVERY on XXXX reports, XXXX, so I filed disputes with both companies XXXX had the item deleted, but XXXX just added a note that " acct was disputed by Consumer '' with a removal date of XX/XX/XXXX. On XX/XX/XXXX I filed a second dispute with XXXX and n XX/XX/XXXX I sent a formal complaint to STELLAR RECOVERY, with no reply to date. My FICO score remains at the mid XXXX, due to this bogus reporting by STELLAR. Your assisting in deleting this bogus report from my TransUnion account would be greatly appreciated! Sincerely XXXX XXXX
On XX/XX/XXXX I called us bank credit cards to inform them my office manager had stolen money from the company and left town since she had a credit card in her name I needed to have her removed from the account I was told they removed her from the account and that they would pass to the fraud department and credit me back any charges to the account. I thought all was taken care of until I recived a call from a collection agency in XX/XX/XXXX sale I owe XXXX after many calls to us bank they sent me statements I did not receive due to she was able to call get a new card and have the billing address changed to her address with out my knolage .they told me they would look into the problem and contact me this never happened the last call to them the supervisor told me even though I was primary card holder I could not remove her from the account
For almost XXXX ( XXXX ) months I have been trying to get information in about charges on our account that we feel are an attempt at XXXX payment the XXXX XXXX months they would tell me that I nad to contact XXXX for that information and XXXX told me that they sold the account to Caliber Home Loans and I would have to get that information from them.All this time they would insist that I had to pay over {$20000.00} and that they could not take a one month payment on this account. Then for the next XXXX months they gave me a song and dance about this account could not bee discussed because it was in a bankruptcy that had been discharged in XXXX of 2010. It was n't until I had a friend, who happens to be an attorney, call them. they told me who to contact for this information. In the mean time they said they sent a certified letter in reguard to the payments however we never received this letter. Then they said they sent it to the attorney that I had call them, however he never received any letter either and that we had to pay overXXXX to stop the forecloser process. And that they have until XXXX XXXX to supply me with the information that we requested. We feel that this is an attempt for Caliber Home Loans and XXXX to defraud XXXX CITIZENS. And to date they have not sent the information, However they have sent a letter about bankruptcy discharge as if it just accurred. and they have sent a person to take pictures of our home. this means that they are more interested on legally stealing our home instead of letting us resolve this matter and paying off this loan, aswe have been trying to do.
I have submitted a Declaratory Judgment, & Slander of Title complaint with the Superior XXXX Office. I have written several letters to the M & T BANK requesting specific information related to my mortgage/security. I have requested they answer specific detail facts that I am entitled to know.
I noticed on my credit report an outstanding debt to XXXX that was listed by Diversified Consultants, XXXX Once noticed, I paid the debt off. I never received any type of communication from the collection agency prior to placing the debt on my credit report. Although, I initially disputed the amount due with XXXX I went ahead and paid it. I was not given the opportunity to dispute this debt by the collection agency because I never received any notices from them. I contacted the agency requesting they remove this debt from my credit report for XXXX reasons : 1 ) It was paid. 2 ) I was not properly notified of the debt prior to listing on my credit report ; they refused to do so. this listing without proper notification is clearly a violation of the FDCPA.and FCRA
Received letter from Allied International Credit Corp. stating that I owed XXXX in unpaid debt to XXXX. I have never done business on or with XXXX and so can not owe them anything. Attempts to resolve the problem go unsatisfied and are met with stall tactics and threats.
I have consolidated with XXXX XXXX that turned into Navient. I have been paying on their based on income, which is OK. The problem is that the interest has jumped to XXXX dollars since the loans have been consolidated. Now answer this question how are I ever going to pay this back
XXXX packets ( XXXX pages each ) of Foreclosure paperwork with a preliminary loss affidavit were left on my front porch. I NEVER received any certified paperwork prior to this finding. One packet was taped to the front door with black electrical tape, and the other identical packet containing names, birthdates, social security numbers, humiliating private foreclosure information was strewn throughout our neighborhood. We are not squatters living in a abandoned home? I am not irresponsible and have 3 years of documents and supporting proof that I have been trying to get a loan modification with Wells Fargo. I have a story like so many others, My spouse left me and I am raising XXXX children in our home and neighborhod of 17 years. I am a full time employed for 28 years as a XXXX who lives a very private life. One of these packets that was left on my doorstep, NOT in any sort of envelope was strewn throughout my entire cul de sac and many pieces were returned by neighbors. Returned to my children who did not need this additional XXXX of potentially losing their safety and security! 
It was obvious to ALL who returned it 's pieces that it was foreclosure paperwork. Humiliating and embarassing and resulting in stigma and harassment. I am not even certain that all of the paperwork has been returned and it is HIGHLY CONFIDENTIAL. Why wasn ; t it treatedas such. Despite is being public record through the court system, this type of negligence is demoralizing and damamging forever especially to XXXX innocent XXXX and XXXX children. Why was the information not attempted to be delivered certified mail? There should have been two attempts with receipt requested left on door similiar to when I receive a package?
I am in receipt of the attached Equifax report number XXXX, dated XXXX, and discovered the following reporting problems which Equifax is placing the blame on XXXX XXXX : 1. The FCRA requires creditors to provide their name address and telephone on the credit report to allow consumers to dispute inaccurate information directly with the creditor. 

Please note the number ( XXXX ) XXXX, XXXX is listing on the report does not provide contact with XXXX but is a telemarketing number, which not only blatantly ignores the law but selling products while doing so takes arrogance to a completely new level. 

2. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XX/XX/XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month on both accounts where is the data from XX/XX/XXXX to present? 
3. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and shows no data on the account prior to XX/XX/XXXX, how is this possible when both accounts had been established since XXXX? Where is the data and why was this reporting information being withheld from Equifax? 

4. The credit limit on both accounts is {$3800.00}, on each account why is the credit limit on the Equifax , credit report listed at {$2500.00}, which is showing an inaccurate credit to debt ratio and lowers my credit scores. 

5. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, how is this possible when payments are made each month, where is the data from these months and why is the information being withheld from Equifax. 

6. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month where is the data from XX/XX/XXXX to present and why is this information being withheld from the credit reporting bureaus
There is a Financial Accts Services reported on my credit file for some place called XXXX  XXXX. It looks like an apartment complex or something. I have never lived there and it has been disputed and still keeps on my file. This is not MINE
Here is a brief recap of an issue that has been going on since XXXX XXXX XXXX mom and dad are XXXX year long wells fargo customers with XXXX accounts at wells fargo. 
My mom died in late XXXX XXXX. Wells fargo was notified in early XXXX XXXX. 
My dad has been incapacitated/incompetent since XXXX. He has XXXX, XXXX with XXXX, XXXX, XXXX. My dad was in a XXXX XXXX unit from XXXX XXXX to XXXX XXXX. My dad is currently in XXXX XXXX and needs help with all daily activities. My dad is not mobile and can not come into a branch. He is not able to execute a new power of attorney. 
My dad executed a Durable Power of Attorney in XXXX signed by XXXX witnesses. This is legally valid in CA. 
Wells Fargo refuses to recognize the DPOA and refuses to add me to all of their bank accounts. My dad can not and has not done any banking activities since XXXX. 
I need to be added to my parents accounts per the power of attorney to pay their federal taxes, pay my dads outstanding medical and other bills, pay for house repairs such as a new roof, electrical, plumbing, etc., and pay for my dads private pay XXXX XXXX costs that will hit in XXXX XXXX. 
I have gone through Wells Fargos local branch personal banker, local branch manager, district manager, legal department, beneficiary department, social care team, resolution team, and emailed all executives I could find. I have no choice but to file this complaint. 
My mom executed a Transfer on Death form with Wells Fargo - the branch provided her the form shortly before her death. It was not able to be filed as she was hospitalized/died a few days after executing the form. Wells Fargo now claims she used the wrong form. However, Wells Fargo GAVE her the form. 
I have shown Wells Fargo : Original Power of Attorney, My dads original signed social security card, My dads original non expired photo military id, My dads drivers license, My dads medical bills and other bills, My dads medical id cards, My moms original will, the Transfer on Death form my mom executed, the original death certificate for my mom, and more. 
On XXXX XXXX, XXXX Wells Fargo District Manager said I would be able to be added to my parents accounts per Wells Fargos legal department ruling. I went into the branch on XXXX XXXX, XXXX to accomplish this. Wells Fargo refused after a discussion with legal. 
As of XXXX XXXX, XXXX, Wells Fargo has refused to recognize the Power of Attorney and has refused to add me to my parents accounts and has refused to give me the Transfer on Death account.
I was scammed out of {$70.00} for a concert ticket. Because I used XXXX, they refused to do anything about it.