WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a complaint about this already ; however, the information is on all 3 credit reports. On XX/XX/XXXX I looked at my credit report from XXXX XXXX it showed a payday loan from Midwest Recovery Systems.
I do not recall ever taking out a payday loan from them or the XXXX the alleged original creditor.
I called all the numbers for Midwest Recovery Systems found on the internet and provided on the credit report, none are good working numbers.
I have never received a collection agency call or letter, a validation letter, a chain of title showing this collection agency owns this debt, nor a balance, it is fraudulent.
On XX/XX/XXXX I found that all 3 major credit reports show this debt.
Midwest violated the Federal Debt Protection Act by reporting a debt without sending me notice and verifying that in fact it is mine and the balance is correct and the statute of limitations has not run. This collection agency is operating in the shadows and does not seem to really want to resolve debt nor operate within the law. The company should be fined and this debt taken off all credit reports immediately.
I have had a VA mortgage with Loandepot, a licensed CA company, since XX/XX/XXXX. I have an impound account with over $ XXXX in it, and pay {$1000.00} per month just in taxes. I have XXXX supplemental bills from the county assessor due XX/XX/XXXX, totaling over $ XXXX. Since XX/XX/XXXX, Loandepot has made repeated misrepresentations to me about the escrow account, the amount of property taxes they have paid and will pay ( they have paid {$2000.00} in XX/XX/XXXX and will pay another {$2000.00} in XX/XX/XXXX. ) They will not pay the supplemental tax bills, and they will not release the money in my escrow account to me so that I can pay the bills.
In regards to first complaint, things are astronomically worse if you can even comprehend that ... please see below : I have tried NUMEROUS times to modify my home mortgage loan with Bank of America. After my home loan conception with Countywide, BOA did in fact start my home loan modification and it took it over 3 years and now they are CONSISTENTLY requesting documents I 've sent them MULTIPLE X MULTIPLE TIMES!!! They continue to say I 've filled them out incorrectly, specifically my XXXX ... but I know I 've filled it out CORRECTLY. They finally sent out a Representative many times to collect and notarize the document that " they filled out, I signed and they took with them to turn in '', each time I was promised it was correct. To turn around ... BOA says it 's incorrect!!! What do I do?? BOA is about to foreclose on my home come XXXX, XXXX, 2016 and wo n't work with me, offer help or clarify what they need. When they tell me what they need, I submit, then " my case worker '' calls me rudely every time and asks me for them same thing again every time!! I FEEL THEY ARE PROCRASTINATING WAITING FOR ME TO FAIL AND FORECLOSE! What do I do to help me and save my home? Something 's WRONG HERE. Please, Please, Please HELP!! 

Things have not only gotten worse but escalated beyond my control and I need HELP PLEASE! Anyone, anything! Should I call the news? 
BOA HAS NOW SAID AFTER 8 MONTHS OF THIS XXXX LOAN REVIEW PROCESS YHAT ALL OF MY DOCUMENTS HAVE EXPIRED AND I NEED TO RESUBMIT DUE TO A " NEW UNDERWRITER TAKING MY CASE BECAUSE ORIGINAL XXXX CHANGED PISITIONS .... Now a new set of guidelines, rules and more of not just the same requests being submitted. I more confused than EVER before on what this new underwriting needs and NO ONE COMMUNICATES XXXX CALLS BACK. New documentation requests estate I need to show/prove things " from previous conversations '' ... Those in which I never had because I 'm lost as to what they 're talking about!!! TOP IT OFF, I 'm apparently 6 months in the rears of payments because my husband and I XXXX been paying mortgage payments out of XXXX asked are accounts with phone representative each mo th.. Turns out that 's payments were never credited to my mortgage rather lost in " miscellaneous postings '' because they were n't XXXX full payment! They can neither apply the payments nor fix the fact that IVE PAID MY MORTGAGE DURING THIS TIME! I am now apparently {$4200.00} + behind and was told UNLESS I PAY FULL BALANCE NO PAYMENTS WILL BE ACCEPTED!!!! Please help, I know this has to be illegal, right??
i HAVE NEVERXXXX BEEN LATE WITH COUPLE ALWAYS MADE MY PAYMENT ON TIME EXCEPT THIS ONE TIME WHEN i DID NOT RECEIVE A BILLING STATEMENT AS USUAL AND i CONTACTED THEM TO WHERE TO MAIL MY PAYMENTS SO THE ADDRESS WOULD BE CORRECT THEY delayed giving me the correct address but it was mailed four days ago to XXXX which is the next city over fom mine. then tonight at XXXX they called me and wanted to collect the payment I told them i had already sent it to XXXX four days earlier and the they still wanted me to pay them tonight. I told them that they had called at almost XXXX at night and they state they are debt collectors. The girl could not understand that I had paid my payment and she isiseted that i pay it to avoid late charges. don ' like getting calls late at night
There is a delinquent payment posted to my credit report for my NAVIENT account ; however, this was the fault internally of NAVIENT when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my XXXX Degree, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through rehabilitation in XXXX. I never received any type of correspondence from NAVIENT regarding the status of my forbearance. I then started to look into going back to school to obtain my XXXX Degree. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my NAVIENT account. From when XXXX XXXX was the servicer back in XX/XX/XXXX This was when I was still in rehabilitation and determined to be 23 % XXXX from being hit by a drunk driver, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current XXXX  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my XXXX degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as 120-149 Days late under worst payment status. under Times 30/60/90 days late 0/0/1 appears. How can I not have marks under 30, 60 days late and a huge hit on 120-149 when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of Navient and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and NAVIENT Refuses to remove it. They hang up on me every time I try to talk to them about this.
I have good credit and pay my bill on time. For some unknown reason, Discover card decided that they do n't want me as a customer anymore and canceled my account. I think this will adversely affect my credit. From what I found out online, they seem to have targeted mostly XXXX for the account closure. I think I deserve an honors answer as why they have decided to close my account.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  Experian : XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX   Experian : XXXX XXXX XXXX  : XXXX   Experian : XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX  Experian : XXXX XXXX  : XXXX XXXX XXXX   XXXX : XXXX  Experian : XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX Experian : XXXX   XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX  : XXXX XXXX XXXX  Experian : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX.
I called Equifax to dispute some information and as I was speaking to them my credit score went down and they said when I dispute information my credit score will do down. So I canceled the dispute and then they stated it will not go back up.
I keep getting inconsistent information from XXXX on what to do in order to manage my loan, and I can not get them to give me any of this information in writing. On XX/XX/XXXX, as instructed, I submitted an application for IDR, as instructed. I uploaded an application and a copy of my tax return. I was told it was pending and that the XXXX portal would contain more information about my status- you can see from the screenshot of my inbox there is no such information, nor did I receive and e-mail. On XX/XX/XXXX, I made my monthly ( I say monthly because I waste a few hours of my work day on the phone with them on a monthly basis ) trying to get information. They said that I would be placed on a forebearance while my application was expidited. Today I looked and my bank account ( see screenshot ) was debited, even though I had a forebearance. I filed a dispute with my bank. 

My general issue is that I can not get consistent or written information from this service about what I need to do. Spending hours on the phone every time there is a status change to my account ( There is bi-annual paperwork to resubmit for PSLF ) is not something I should have to do. 

Furthermore, I have requested 3 times, over the span of 9 months that I get in writing what payments have counted towards PSLF and distinct instructions on what to do ... to no avail.
I recently received a copy of my XXXX XXXX report this report was full of so many errors and bank accounts from Wells Fargo that I have absolutely no knowledge of. I filed a complaint with XXXX XXXX whom stated to me that Wells Fargo was the data furnisher of this information falsely reporting on my XXXX XXXX report. I was a victim of identity theft and filed a complaint with the Federal Trade Commission and sent in all notarized documents to XXXX XXXX which were forwarded to Wells Fargo Bank. I requested that XXXX XXXX XXXX remove these false reporting accounts off of my XXXX XXXX report and these accounts are still reporting and reportedly came back verified by Wells Fargo. I've contacted the lawyer 's office handling the Wells Fargo class action lawsuit regarding identity theft victims which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My supporting documents backing my complaint were submitted to the law firm as well. Wells Fargo has listed these following accounts and account numbers in my name. Routing number:XXXX Account numbers : XXXX, XXXX, XXXX, and XXXX. I received two separate letters XX/XX/XXXX from Wells Fargo out of the office of identity theft operations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. From XXXX XXXX Department Manager.  Notifying me that I was a victim of identity theft. I've called them several times to resolve this with no answer back. My XXXX XXXX consumer ID number is XXXX. These accounts need to be removed from my early warnings report or I will take further legal action to resolve this if I am not assisted in this matter
I 've continued to explain that this debt has been written off from XXXX XXXX XXXX back in 2008, and not to call me at everyday as this is harassment and to communicate everything through letters to me. I contact my attorney who said to contact the FTC and file a complain as he can only stop them if it 's through my cell phone. Spoke to XXXX XXXX on around XXXX and informed her to stop calling and to send all communications through the mail. Spoke to XXXX XXXX to continue all communications through and to stop calling me on the phone and to send through the mail from Portfolio Recovery Associates at XXXX.
Equifax has failed to report my credit worthiness accurately. Despite having well over XXXX purportedly valid collection accounts removed through persistence and due to gross billing errors, and fraudulent accounts that did not belong to me, and notably having XXXX positive accounts on reporting for over XXXX months - XXXX XXXX and XXXX - Equifax fails to update my score. They make a claim that they have updated my score each time I submit a dispute, but what all they have done is increased my score by few points ranging from XXXX to at most XXXX points and then subsequently ( almost immediately ) decreasing my score by the same amount or more. Because they keep making a claim that they are not doing it, I have paid for the monitoring service for over XXXX months to establish a record of the same. The record is attached.
XXXX XXXX XXXX took control of property XXXX XXXX XXXX XXXX WA XXXX on XX/XX/2014. The assumption that XXXX XXXX was the management company and the owner XXXX/XXXX XXXX XXXX was false. They barely negotiated a new lease for me, when the other company went and disappeared. Inside of one year later they were building a case, to file a eviction lawsuit against me. By the way I have no eviction record ever in any state that I lived in. I was having problem paying the rent because I was in graduate school which they encouraged residents on campus by waiving the application fee and the security deposit. I was also an employee of the University  of XXXX  XXXX until the same month of the eviction lawsuit and I got fired. I was XXXX years old when the new lease began. At any rate, my complaint consists of discrimination due to XXXX placard on my car, age discrimination as well as race, I am XXXX XXXX. XXXX XXXX XXXX proudly dragged me through court for XXXX of which they literally would not take when I offered it to them in a money order. I had to deposit it in my bank account which I can prove. The judge awareded them XXXX plus attorneys fees that's all and they have XXXX and XXXX combined on my credit report. I have never spoken with anyone at the agency that I recall. I have seem numerous complaints about them from the XXXX. I am offering this complaint as blatant and unbelievable that it is. I have been homeless for 3 years due to this and I am now XXXX years old. This is shameful to do for XXXX dollars which they would not take.
HSBC has repeatedly opened unrequested credit cards in mine and/or my husband 's name. We never requested nor authorized these credit cards. Despite numerous calls and complaints, they continue to open accounts and tie up our credit line. Each time we report the matter, they treat it as " fraud '' and then cover their misdeeds by " resolving the fraud complaint '' ( i.e., card cancellation ). However, the problem is a recurring one. 

Fraud is not the source of the misconduct. Rather, it is their sales/marketing group which has devised a compensation plan that drives and rewards this criminal activity. Just like XXXX XXXX, the HSBC Card Marketing group is incentivizing their employees with a performance plan that is based on driving new cardholder volume/metrics. 

Please let me know how it is that they're getting away with this? I am happy to provide you with more details and have attached a photo of their " welcome letter '' for my new UNREQUESTED card ( identifying details removed ).
I got at a loan in XXXX of 2017 I paid it on time and when I got my last long I lost my job I informed company and let them know I would pay them cash but never set up any arrangement payment or plan because I didn't know when I would work again I was unemeployement and got odd and in jobs but now enough to pay the loan was for XXXX and that was with interst I pay them in XX/XX/XXXX. XXXX and let them know I was still unemployed but would come in and pay as I could well I finally got a stable job and right as I begin to pay them I was hit with the total amout due a week before this I paid XXXX so what was owed was XXXX left to pay I had plan on going in and making payments but instead the company got my checking account informantion and paid themselves instead of allowing me to pay them off and after speaking with the store in my area and two reps from customer services was informed that I they was allowed to take money without my permission at anything because I sign a contract but this was a year old and not once did they call me nor did they send me a letter saying they would take my money like this even when I am willingly paying them as I can at the time. I feel cheated I feel as if they stole from me when I need my money to pay my bills as normal but instead they took my entire check and had nothing else to say. other than I owed them.
I had an account that had gone into collections for the amount of XXXX with XXXX XXXX through XXXX different collection agencies. XXXX that had opened XX/XX/XXXX through XXXX with no closing date yet last reported on XX/XX/XXXX. 
I then had another through XXXX that was opened XX/XX/XXXX with no closing date that was last reported on XX/XX/XXXX. 
This account was directly paid through XXXX XXXX on XX/XX/XXXX in full. It shows on the credit report through Transunion and XXXX that the balance through both companies was paid to collection with a {$0.00} balance, yet they are still on my credit report affecting my credit score. Due to the fact that both have given specific dates that this was reported and paid in full I believe they should both come off of my credit report helping to restore my credit score.
My daughter 's father and i enrolled her together at XXXX daycare with the understanding that we split the bill ; this was also understood by the daycare. XXXX XXXX ( father of child ) discontinued payment in XXXX 2015 and XXXX XXXX XXXX did not notify me of this until XXXX 2015 ; i had continued to make my payments faithfully, ( i have all receipts. ) I was then contacted by XXXX, Inc ( at my job no less ) attempting to collect the debt that XXXX XXXX acquired. I told them upon first contact that it was his bill, not mine and not to contact me regarding this ever again. I then called the XXXX about it and the owner, XXXX, assured me that she submitted both our names and info. I just received ANOTHER call again, At my Job, today regarding this debit that is not mine. Not only had i already told them not to contact me again and they did, he was very unprofessional and rude, making statements that were inappropriate and acting like they were trying to get ahold of XXXX. Regadless, they are not following FDCPA federal laws at this collections agency. i have been in the industry and i know for a fact if someone says not to call again, you do n't call again.
XX/XX/2014 XXXX I contacted the company in hopes to get this account removed which was not mines but they claimed it was verified but no actual proof of me signing any agreements
Paypal issued me a credit account I did not want or need using deceptive and/or fraudulent practices. As I was using Paypal to make a purchase, the regular series of " clicks '' was changed to trick me into opening a Paypal Credit account. I have since called to cancel the account and pay the balance in full. However, I thought it important to file this complaint because, I fear, tens of thousands of consumers have been ( or will be ) tricked into opening a Paypal credit account.
I was sent a personalized invitation for an AMEX Gold Delta Skymiles card with a XXXX mile bonus. I applied and was approved and, in good faith, met the spending requirements for the bonus miles. When I discovered I had n't received the bonus miles, I contacted AMEX and was told that since I had the " same '' product 7 years before, I was n't eligible. I told them that it was impossible for me as an invited consumer to determine that a card I had that long ago ( and for which they could provide no documentation that I had received a bonus ) made me ineligible. They admitted that the previous card had a different interest rate and different terms, but insisted it was the " same '' card, something no reasonable consumer could determine. Despite repeated phone calls, escalation of my issue, and promises of a resolution and a response, I never heard back from anyone. On a call today with a supervisor, she acknowledged that they knew I was " ineligible '' when they approved my application and felt they had no obligation to inform me ( or to get back to me about my inquiry, despite having assigned a case number ), thus inducing me unfairly to spend towards the threshold without any intent of issuing me the bonus miles promised to me personally in the promotion. In fact, since the invitation was targeted and addressed to me, they could easily have determined that I was " ineligible '' according to their interpretation of the policy prior to sending the solicitation. I consider that a deceptive practice. If I had been properly informed, I would not have spent that amount of money on the card in the prescribed time and may have decided not to accept the offer.
XXXX XXXX XXXX has received several ( 4 ) copies of my FTC identity theft report over the past 3 years. Performant just changed the account number and began collections again. 

XXXX XXXX XXXX has never provided any actual documentation of the fraudulent student loans they alleged are assigned to me. 

The only documents ever sent are a forged master promissory note and copies of an online approval obtained by the unknown identity thief. 

Currently, Performant is seeking to obtain funds for the identity theft student loan at an interest rate equivalent to 267 %. 

When questioned via phone conversations, XXXX XXXX XXXX representatives state that they are only contractors and don't have any actual documents regarding the amount they are demanding. Additionally, the same personnel repeatedly tell me to stop send them letters/identity theft notices via my FTC identity theft report.
I was told I could have a lowered monthly payment the paperwork never came and they put me in forbearance, I then went into default. I went through a rehabilitation program to get back in good standing and was told they would send me paperwork for another lowered payment and still have not received the paperwork! Now again I am in forbearance!!! I have tried everything in my power to do what I need to do so that I can pay this back!