WillisBack/dataset-financial-user-claim huggingface dataset:
This problem is STILL not fixed. No one except Equifax can pull my credit. All my information is correct per a phone call, I do not have a freeze per a phone call. I do n't understand why no one from the company has called me at XXXX. This is delaying my mortgage and is against the law. I feel I need legal representation because I am getting no where. Please have the executive office contact me. They also said they would mail me a report and did n't!
ACS is conducting substandard, if not illegal, loan practices. Their website lacks key information about my private student loans, such as the original loan amount. They do not offer a service to allow borrowers to increase their monthly payment amounts. I took out my loans from XXXX XXXX, which worked fine for me through law school. I believe ACS is intentionally obscuring their contact information on their website, does not allow borrowers to speak with a representative in the U.S. without at least a 30 minute wait period ( first requiring the borrower to go through a confusing automated recording that does not have an option to speak to a live person, then sending you through to someone XXXX ), and is preventing borrowers from actively controlling their student loan debt. When I finally spoke to a representative, she told me they were not legally required to provide payment plan information. I was told that if I wanted to increase my student loan payments, to send an email to an anonymous address. I asked if there was a specific person I could speak to about handling my loan repayment, she said " no. '' My email would go to " another department '' that she did not have contact with. I do not understand how this is an acceptable practice. Given the opacity, I have very little idea of what they 're actually doing with my loans. I have researched complaints on ACS and given the volume of posts on various websites by students of all backgrounds, I can not imagine how the practices at ACS are legal.
I keep getting calls for someone who used me as a reference on their auto loan and I do not know where they are or how to reach them and now I am receiving threatening phone calls
My name Is XXXX XXXX XXXX and I had recently filed complaints on XXXX-18 XXXX and on XXXX18 complaint # XXXX against Continental Central Credit in reference to annual fees owed to XXXX XXXX XXXX XXXX XXXX in NV As a result of the complaints Continental agreed to settle in the amount of {$3100.00} to be paid on or before XXXX18. I was contacted by XXXX XXXX XXXX XXXX XXXX advising they where pulling the account out of collections with Continental Central Credit and that they agreed to cancel all fees if I paid them {$2500.00} So I paid XXXX XXXX XXXX XXXX XXXX on XXXX18 for the amount of {$2500.00}. Per my first complaints Continental had been placed on notice meaning they where not to call me @ all, I received two calls from them today XXXX18 CID XXXX between XXXX XXXX and XXXX XXXX they left one message stating they where trying to collect a debt. Under FDCPA they are in violation for one they called my cell # XXXX when they where told not to call me 2nd I paid the debt with original creditor XXXX XXXX XXXX  XXXX XXXX. Under FDCPA two party 's are not allowed to collect on the same debt and I paid my debt with XXXX XXXX XXXX XXXX XXXX XXXX amount of {$2500.00} on XXXX18I don't not want Continental Central Credit calling my cell, they are to contact XXXX XXXX XXXX   XXXX XXXX. Per FDCPA guidelines Continental Central Credit already violated my rights and I will seek legal council specially if this continues Thank You XXXX XXXX XXXX
in XX/XX/XXXX we notified PHH MTG. that we were experiencing financial difficulty.they told us before they could HELP us we had to be behind XXXX mos. at that time we called again for HELP and were sent a packet to fill out and return, we did. during this time we put house on market with no luck. tried another realtor no luck. husband was injured on job and required XXXX and XXXX by XXXX. He trained for home inspection no luck there houses were not selling!!! XX/XX/XXXX wife retired. XXXX XXXX wife had XXXX XXXX requiring XXXX. HUSBAND TOOK JOBS WHICH DID NOT MEET OUR FINANCIALY NEEDS. STILL TRYING TO SELL HOUSE. NO LUCK. WIFE TOOK XXXX JOBS. XX/XX/XXXX ENLISTED AID OF HOPE filed the ANSWER. went to court XXXX-XXXX times by XXXX XXXX PHH told us that there was nothing they could do for us. " WHAT ABOUT OBAMA PLAN? '' XXXX XXXX ( which we did not even know was involved in our mtg. ) did not 'BUY INTO THE OBAMA PLAN!!?? XX/XX/XXXX we moved out and to FLORIDA. we have and are still getting paperwork request from them, we have had XXXX buyers back out due to inefficency of PHH TO move on sale. we have a XXXX cash paying buyer now who is threatening to bow out. a message just today from realtor for recent pay stubs AGAIN. WE JUST SENT AT THAT TIME RECENT PAY STUBS IN XXXX XXXX. OUR MTG. WAS ORIGINALLY WITH XXXX XXXX XXXX, REFI NANCE TO PHH WHO IS BACKED BY XXXX XXXX. OUR OPINION IS THEY ARE PURPOSELY PUSHING US TO FORCLOSURE. THIS IS NOT FAIR TO NEIGHBORS ( HOUSE IS BEING NEGLECTED BY THEM ), REALTOR HER TIME AND MONEY, AND MUNICIPALITIES. PLEASE HELP US THIS IS SO UNFAIR AND PAINFUL TO US. HOME PHONE NO. XXXX OR CELL XXXX XXXX.
On XXXX XXXX, 2012, while I was at work, I, XXXX XXXX XXXX, was forced out of my home for the second time ; by which XXXX XXXX, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, GRAND THEFT, wrongful eviction, trespassing, breaking and entering, fraud, constructive fraud, etc., with the motive to cover up all loose ends of this mortgage transaction by confiscating all of my belongings in order to dispose of any incriminating evidence that chronicled my dealings with XXXX XXXX that could possible yield to any potential wrong doing on their behalf. Since XXXX XXXX fraudulently achieved a favorable foreclosure decision on the merit of abandonment, it is plausible to believe that the motive for why XXXX XXXX needed to confiscate all my belongings without returning them is due in part that XXXX XXXX could not turn around and request the courts to issue an eviction notice when it was XXXX XXXX 's sworn testimony in court that my residence was deemed " abandoned '' by their preservation team XXXX XXXX! 

With that being said, all evidence clearly indicates how XXXX XXXX only sole purpose for contracting XXXX XXXX was for them to diminish and/or eliminate any potential defense against mortgage fraud with the perceived notion that once XXXX XXXX was successful in empting out my home I would be without a justifiable defense to refute any mortgage documentation presented by XXXX XXXX as being authentic. As a result, XXXX XXXX, via my initial complaint with them, took the liberty to either replace my mortgage loan documents or alter them with fraudulent ones of their own [ XXXX ]. Nevertheless, when I filed former complaint ( s ) against the closing agent/notary-XXXX XXXX, along with complaint ( s ) against XXXX XXXX-who originated this loan-they confirmed via their response ( s ) that the documents presented by XXXX XXXX were not documents prepared or presented for me to view and sign for at closing [ XXXX ]. Nevertheless, it is XXXX XXXX who is proclaiming that there was no wrong doing committed on their behalf ; therefore, all documentation they presented via the CFPB was a part of my " original '' closing packet that was packaged and sold to them by XXXX. 

With that being said, I request for Everbank ( XXXX ), via the CFPB, to explain to me in detail why a ) did Everbank ( XXXX ) intentionally and maliciously commit fraud by fabricating my loan documents with fraudulent signatures ; and b ) if XXXX XXXX proclaims that they did not commit fraud by forging my signatures to mortgage documents for XXXX to explain in detail the who, what, when, where of HOW XXXX Bank came to be in possession of fraudulent mortgage documentation that can not be accounted for by the originating source ( s ) who had me to sign " all '' applicable mortgage documents at closing [ XXXX ] that now contradicts documentation XXXX XXXX presented as being a part of my " original '' loan packet!
I disputed this debt with equifax because I do not owe anything to Midland Management LLC for a XXXX Account. I complained in XX/XX/XXXX on this site for them taking a check wrote to Asset Acceptance/XXXX and cashing it on this account for XXXX XXXX. They have now reported to equifax that I made a payment on XX/XX/2015 claiming that check was a payment. So no they have committed fraud by cashing a check not wrote to them and they have lied to the XXXX bureaus that report your credit information.
I have received letters from 2 different companies stating that I owe them money. On both occassions I have sent disputes and requested information that supported that I owed them money to which I have never received. Instead from the last letter I sent I received a notice that I am being sued along with a letter. Again I am responding with a letter demanding proof. All the while this information even though it has been past the 30 days from the date of my second letter it is still showing on my credit report. They have been unable to provide me any information that I signed a contract with them, that I owe this debt, that I entered into any agreement with them, nothing. The letter they sent me along with the fact they were suing me was received on XXXX/XXXX/XXXX and they refused to date the letter however the lawsuit is dated XXXX/XXXX/XXXX with everything typed but the actual date ( 18 ) part, and that has white out on it. I find that interesting since that would be one day before 30 days is up. Highly unlikely. Please see all attached documentation.
in   XXXX   XXXX   XXXX   I made my payment early and extra on my principle and when I did that my whole payment went a suspense account, I called to get it resolved and was told that it was. My   XXXX   statement came and still was not correct I was then charged a late fee on top of my regular payment which I was told it was going to fixed. I was then told to make the late fee payment so that they could apply the  XXXX  payment and once I did that they would reverse it out and apply it to  XXXX  payment. I have called and called spend over  40 ho urs on the phone with the company who say that they are fixing the mistake and I am told it was fixed and it was in fact not. I have been making my payments on the   XXXX   or   XXXX   of each month for the following month and I am being charged late fee and penalized for their mistakes. They are calling me today telling me that I now owe over {$400.00} in late fees and that I still owe   XXXX   payment when it was paid on   XXXX   XXXX   XXXX  . Seterus customer service reps have threatened me with reporting this as bad credit. This is not my mistake this is theirs. I want it fixed.
First Credit Services is reporting a {$950.00} debt for a gym membership that I was part of for three months. The debt collector is trying to collect three years worth of membership fees. I have asked the debt collector to verify the debt and send the original contract, but the debt collector has failed to respond.
This is to report that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # XXXX.
The attached letter to the XXXX of the Bank of America gives an actual account of my recent interaction with the bank. The bank should not be allowed to change the terms of my accounts with them at will and charge me fees at will
On XX/XX/XXXX I called Citibank to apply for a credit increase on a current credit card as well as apply for an additional credit card. Knowing that a credit inquiry would be generated, I verified with the representative that because I wanted to do both items at the same time, I wanted to ensure there would only be a single inquiry. The representative agreed. My credit increase was granted and I was transferred to another representative for the new credit card application. I again explained the situation to the representative because I wanted to ensure that only a single credit inquiry would be performed - and since one had just been done that the same one would be used. The representative agreed that there would not be an additional inquiry. My credit application was approved.

Later, while checking my credit reports, I can see that two credit inquiries were performed. One on XX/XX/XXXX, one onXX/XX/XXXX. I have verified this with XXXX.

I began calling Citibank and after speaking with many representatives and being told by each that this issue would be escalated to people who could resolve it, I received no resolution. I also called XXXX and was informed that only the company can resolve it.

After many more unsuccessful calls to Citibank, I was put in touch with XXXX XXXX in the Executive Response Unit. She eventually reviewed the calls and agreed that this should not have happened and that one of the inquiries would be removed from my credit report.

I received a letter dated XX/XX/XXXX from XXXX XXXX at Citibank indicating that the inquiry would be changed to a " non-display '' inquiry. This is not what we had discussed, even though the letter specifically indicates that it is, but I was willing to be flexible and patient to see if this was resolved. The letter advises to allow 30 days for resolution, which I was agreeable to.

After over 30 days of waiting, now getting closer to 60 days, my credit report still reflects the same two credit inquiries. I have verified this through XXXX XXXX ( XXXX ). I have been attempting to contact XXXX XXXX for two weeks now, leaving multiple messages, with no returned calls.
My hardship started in   XXXX   2015 when my income decrease 50 % on top of that my wife lost her job. My income is getting better but I need assistance to bring my mortgage current, please help me to keep my home. Thank you
From 2012 to the present, Regional Acceptance Corporation charged unnecessary charges for a 4 year loan. Customer paid {$17000.00} on a {$21000.00} note and the company has alleged due to late payments that we now owe {$19000.00}. Our records indicate a balance of {$3000.00}. We believe the company has overcharged and is abusing the rates of late fees and daily interest compounded. We owe around {$3000.00} on the vehicle and want to pay it off.
Last Reported XX/XX/XXXX Collection Agency I C SYSTEM Original Creditor 01 XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$160.00} High Balance {$160.00} Remarks Placed for collection The action I took was to deal with the membership company in regards to letting me postpone for a later date. I was unemployed at the time and only XXXX years old. They told me there was nothing they could do. I didn't want it affecting my credit at an early age which is why I want to fix it now. They were not helpful at all. I never received notifications that I am able to dispute.
i applied for a loan and these two credit cards showed up and I have never applied for these cards. XXXX XXXX {$840.00} and a XXXX XXXX for {$740.00}. I never had or used these cards and would like for them off my record. I do n't read well or use a computer. Got a relative to try and get this mess straight for me because Im old and do not use credit cards or order items. I m XXXX and XXXX XXXX XXXX XXXX completely. Not making excuses but I trying to get my point across.
I am writing to dispute the following information in my file XXXX XXXX The item I have identified is inaccurate because I never had a account with XXXX XXXX and or a credit card with XXXX bank XXXX and XXXX
I was issued a Citi Credit Card with Costco after the shift from XXXX to Citi Visa. 
I called on multiple occasions to add my wife to the account so she too may have a card. Citi most likely has access to all the calls, I estimate at least XXXX10 calls were made to add her. Once added I was told a card would be in the mail soon, this was in mid XXXX. Two weeks later I call again, this time they send me to Customer Service who confirms a card was not sent although my order showed it was complete. So they said they would send a card. Nothing. 
I call two weeks later and again they say it was supposed to be sent but was n't and promise to overnight it. I am not kidding, but this happened now two MORE times! 
I have spent over 1.5hrs calling and waiting with Citi and they have not sent me a card they promised to send 5 different times. The last call ended with a supervisor promising to call me at XXXX XXXX on XXXX XXXX. It is not XXXX and no call has been received. 
These practices by Citi should be reviewed by the CFPB, I am being strung along and Citi is making promise they are not delivering on. All my calls and attempts have lead to nothing, and I have nowhere else to go.
3 checks were stolen from our mail box in XX/XX/XXXX then washed and cashed. 2 of 3 the checks were cashed by XXXX XXXX on XX/XX/XXXX.. The 3rd check I had a stop placed on it. The recipients names were changed to cash and the amounts were significantly altered ; # XXXX for {$240.00} to {$2200.00} and # XXXX {$290.00} to {$2200.00}. The payee 's called several weeks later complaining they had not received their checks. I called the bank to see if the had cleared and they had not. I rewrote them new checks and mailed them out ; thinking i must have accidentally thrown them into the trash. I received my statement on XX/XX/XXXX and found the checks had been altered and cashed. I immediately went to the XXXX Key Bank Branch where i explained the problem to XXXX XXXX, relationship manager. He helped me complete the Key Bank Fraud Affidavit. Then I proceeded to the XXXX County Sheriffs office and filed a Case #. Since then i have been unable to get any money refunded. Neither Key Bank nor XXXX XXXX Fraud Depts. will discuss this with me. XXXX XXXX says i 'm not their customer and Key Bank says the branch in XXXX should follow up on your behalf. The XXXX Branch says its out of their hands that it is a XXXX XXXX issue.
The debt obligation originated with Citibank in XX/XX/XXXX. The terms changed in XX/XX/XXXX and we were unable to reach an amicable resolution for repayment. Since XX/XX/XXXX, I have paid extremely high interest rates due to this XXXX unpaid debt. This obligation has far exceeded the 7 year penalty and should be removed along with all of the other debt collection agencies that have attempted to benefit from this unpaid obligation. However, they keep reappearing and reporting to collect the same debt under different names. This is not only unfair to the consumer but a gross violation if the original debt was over 7 years ago.
I don't know this account. 
All it says is that it's a 'bank account OR card opened up with my social security # ( the alert showed on my XXXX , apparently it was reported to XXXX  ) and name. 
I have only one bank account at XXXX  XXXX XXXX so any other cards or accounts opened up after in/after 2011 are fraudulent. 
This company reported XXXX to my credit score. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, Valid copies of the debt agreement stating the amount of the debt and interest charges, Proof that the Statute of Limitations has not expired, Complete payment history on this account along with an accounting of all additional charges being assessed, Show they are licensed to collect in my state ; and their license numbers and Registered Agent. If your they fail to reply to this debt validation within 30 days from the date of the eceipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Receiving calls about every XXXX minutes on home phone ... will not leave a message on answering machine and will not identify ones self ... Start conversation by saying this call is record .... Then I reply I do n't give authorization to be recorded..and hang up ... We are constantly blocking these XXXX service numbers. I did a number search and the number belongs to Miland Funding..
I signed up for a Chase Total checking account and used a coupon for a {$300.00} sign up promotion after direct deposit. After several months of waiting Chase is refusing to pay out the promotion even though I received several direct deposits from my tenants.
Please find the above collection agency by submitting a false sale from XXXX. 

1 ) They allege that they purchased the debt from XXXX # XXXX in the amount of {$2300.00}. 

2 ) This is false as they failed to supply how much did they really pay for the alleged debt from XXXX # XXXX. 

3 ) They also failed to provide proof of each item of the allege debt that totals {$2300.00}. 

4 ) They have failed to provide the credit card agreement with my signature. 

This fraud must be investigated
I made an agreement with Macy 's, back in XX/XX/XXXX, to keep a couch that the material was defective, and they would give me a credit of {$550.00}. This appeared on my credit card statement, but on XX/XX/XXXX, I received a check for this amount under my husband 's name. My husband passed away on XX/XX/XXXX, therefore I could not cash the check due to the fact that I no longer had a checking account with him. I called Macy 's and was told that the account was joint and that I was entitled to a new check. That is when the trouble started! They credited my Macy 's credit card with the {$550.00}, on XX/XX/XXXX. The next statement I received it showed that I owed {$550.00}. I have spoken to multiple people even sent multiple certified letters to the Citibank, which is the bank that issued the credit card. A year later I still have not been able to resolve this issue. I just spoke to someone at the Citibank office and was told there was a resolution and it went to the banks side, I asked what does that mean? I was told that I owe that money! I was never contacted about this so called " RESOLUTION '' I am at the end of my rope I ca n't speak to anyone that knows anything. And at this point I do n't want the money, I want this issue cleared and close my account with Macy 's. I have an excellent credit score and this is not helping me. I need for someone to please help me!