WillisBack/dataset-financial-user-claim huggingface dataset:
The debt collector sued me in circuit court and I filed an appearance and a trial date was set. While I was away the debt collector sent my wife a summons to appear for the same case and when she did not appear - the debt collector asked for and received a default judgement that I successfully got vacated. 

This debt originated from unpaid medical claims by an insurance company and I had to enlist the aid of the Illinois Insurance Commissioner to compel them to pay the claims. This took over a year but the insurance company paid on the claims. The judgement amount the debt collector sought to get from the default judgement did not take into account the payments made by the insurance company even though they were aware of the payments that were made. When asked about the payments the debt collector stated " I have a judgement '' ; however the judge vacated that judgement and the judgement amount was reduced. Has I not sought to have the judgement vacated the debt collector would have sought to collect the entire amount of the judgement knowing that at least half the amount they were seeking had been paid already by the insurance company. 

The debt collector verbally agreed to a payment agreement but sent a form - not filed in the court too late for me to comply with the terms of the agreement. The debt collector then filed the agreement with the court 5 days after the payment was due and then filed a Wage Deduction Notice with the court and sent a copy to an employer that I have contractual relationships with damaging my professional reputation. I am now in the process of disputing the wage attachment, but the damage has been done.
On XX/XX/2018, I sent Portfolio Recovery a cease and desist letter that was signed XX/XX/2018 via certified mail. 

On XX/XX/2018, I sent Portfolio Recovery another letter that was signed on XX/XX/2018 via certified mail because they were still reporting collection activity to all three Credit Bureaus. 

Portfolio Recovery, have not been in compliance and this is a violation of the FCRA and FDCPA. Please see attached evidence
I submitted a complaint number XXXX account number XXXX. I was told they would remove the {$510.00}. I submitted the XXXX form as requested and Bank of America continued to charge me {$510.00}. Bank of America told me that they would remove said charges and have failed to keep there promise.
I 've tried making my payment this month on due date the XX/XX/XXXX, no payments get through, you ca n't reach a live person says system updating, I 've called several times the last few days with no luck. Is something going on? I should not be charged late fee. I 've even tried getting online and says Same thing system updating can not look at any information. I 'm worried about how this will affect my credit.
Re : Barclay Bank XXXX card : I wrote out a " 0 % '' cash advance check in the amount of {$6500.00} to an individual that turned out to be a fraudulent individual. The check was written out and handed to him on Friday, XXXX XXXX at XXXX XXXX I immediately called Barclay Bank to inquire if I could stop the check. I got right thru to a customer service agent in the U.S. He said that they could n't stop it as it had n't yet appeared on my account.but not to worry, that it would take 7 - 10 business days to clear and that I would have plenty of time to stop it the following week. I asked again, are you sure I can stop it? Not a problem, definitely would not clear before 7 - 10 business days. That Monday was a legal Holiday, XXXX XXXX, i could n't call on Tuesday because I was working. On Wednesday, XXXX XXXX - I spent 4 hours! I repeat 4 hours - trying to get thru to the credit card customer service. I even called XXXX XXXX and they connected me finally - completely panicked. I could no longer reach a customer service in the U.S. I was told the check already cleared and that there was nothing they could do to help me. These are the complaint records : XXXX, XXXX XXXX ( Agent ) and Barclay Card XXXX - ( Agent ) XXXX - Case # XXXX. I just googled Barclay Bank to see if I could reach the corporate office. I see the Breaking News that they are in the headlines for fraudulent practises.
On, XX/XX/2018 I sent a letter disputing an account for XXXX XXXX XXXX in regards to the amount being reported incorrectly for one report as {$33000.00} & another {$36000.00}, as well as being charged off/collections. During this time XXXX failed to report my account was being reported, the letter was mailed on the XXXX of XXXX certified, signed for on the XXXX of XXXX, and a response was sent and received on XXXX.2018. I pulled all 3 credit reports for the next 60 days and a dispute was never recorded on my account. Per the FCRA & FDCPA a notice of dispute is to placed on any account disputed within 31days and XXXX XXXX XXXX violated these federal laws. No response was ever received after sending the letter requesting for this item to be removed due to these conditions.
I filed a dispute w/CFPB file # XXXX, the company state that they are closing the account and returning it back to original creditor. Now the Original company XXXX XXXX XXXX has changed the account # and date of service on the bill and have resubmitted it for collections
My husband accrued medical debt after we separated. I have a court filed document in which he stated that our date of separation was prior to his accruing the medical debt. The debt went into collection and the collection company is reporting that it is a joint debt because we were married. The debt was included in the divorce decree as his alone but the collection company is refusing to remove me as a joint owner of the debt. I have disputed it with XXXX and XXXX and they informed me that it is a joint debt. We were not together at time of debt and in his court response to the Petition for Divorce he stated we were separated prior to date he sought out medical treatment. His court response is proof that we were not together at the time the debt was accrued. We were not living in the same state. Therefore the debt is not joint.
Key Bank insists I have a checking account with them. I do not. I never had any accounts at Key Bank. They sent me five correspondences, including a bank statement from this non-existent account! One letter stated they were going to " furnish negative information to a credit reporting agency '' They say my account number is XXXX. I have been contacted/dealing with their fraud detection department. They want me to claim I am a victim of identity theft -- I am NOT. I want nothing to do with this bank. Thank-you. 
Sincerely, XXXX
I obtained a payday loan in XXXX from XXXX XXXX. My checking account was closed in XXXX due to someone committing fraud on it. As a result XXXX XXXX was unable to collect the debt. A few years went on and I got a call from XXXX XXXX as well as XXXX XXXX XXXX XXXX In XXXX I wanted to pay this old debt so I began communicating with both companies. A representative with Ad Astra as well as XXXX XXXX promised to delete the collection from my account if I paid the debt IN FULL. In early XX/XX/XXXX I paid the account in full at {$310.00}. The debt reflects a XXXX  balance. What Im upset about is that I have called XXXX XXXX 13 times to discuss the removal that was promised. I called Ad Astra 12 Times requesting that they hold their end of the bargain. They deny promising to delete the account and they told me that they will pull up a recording of the conversation to prove that they did not promise me to remove the account. I havent heard back from them. I would have not paid this account if I was not promised this Paid to Delete. Me paying no the {$310.00} didnt do anything to my credit score. Im happy its paid but Im very u happy with their collection practices. Please help. I can be reached at. XXXX
I went under contract for a house, XXXX XXXX XXXX XXXX, XXXX XXXX, and ocwen came through after the sellers and I jumped through hoops for 3 months. I would like some sort of repayment in the {$1000.00} some odd dollars i spent on inspections and appraisal. This house was stolen from me by ocwen. I need repayment so i can go look for a new house. I was under contract for XXXX $ and you bought the house for XXXX i believe. so i want something for all this!!!
The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX credit inquiry and credit card account is valid and do belong to me. The XXXX XXXX and XXXX XXXX  XXXX XXXX credit inquiry is mine and do belong to me. I gave authorization to XXXX XXXX and XXXX to pull and access my Experian and XXXX credit report.
On all the 3 credit bureau reports I can find unrecognized hard inquiries, accounts, and addresses. All the below mentioned accounts does n't belongs to me, either it 's an identity mismatch or a fraud. I have dealt with the bureaus many times but still no conclusion and every now and then I can find a new entry on the report without my consent. All this is impacting my credit score and making me worried about something suspicious. 

Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Similarly, there are many hard inquiries which do n't belong to me. I need your urgent help, as I am dragging this issue from last 8-9 months and still the bureau investigation is not of good use to me.
I was offered a position with XXXX who ran a background check on me through XXXX XXXX. XXXX HR Dept. contacted me and said there was an Issue with my background check that I owed XXXX {$5300.00} for a past due account on a short sale and that I need to clarify. I had a short sale with XXXX which closed XXXX 2011 with no recourse of monies owed. They are also reporting 2-30 late, 1-60 day late and -1-90 day late. These are incorrect as well I did have a couple of late payments due to the fact that I was informed by them that in order to qualify for a short sale I had to be in errors in order to proceed. So they effected my credit even though I was willing to make the payments on time to keep the short sale damage to my credit at a minimum. They said there was no way around it! I would have had 1-30 day late on my report but they kept dragging out the short sale which all it did was hinder me more all the time affecting my credit. I need this rectified as I have been unemployed for 9 months with my unemployment running out this would not be a good thing for a XXXX XXXX XXXX trying to find work. Please look into this as time is of the essence. I would appreciate any help you may be able to provide.
J.H. Portfolio is trying to collect on a debt from XXXX that I paid through a debt consolidation company. I mailed J.H. Portfolio a letter attached with a statement from the consolidation company showing a XXXX balance for XXXX. I called J.H. Portfolio on XXXX XXXX XXXX and they confirmed that they received my letter and statement from the debt consolidation company and they said they would research the complaint but I have not heard from J.H. Portfolio. I 've disputed this charge three times with XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX to no avail. I want the charge of {$960.00} off all of my credit reports.
American Express has turned my debt over to a debt collector in XXXX. This company has called various telephone numbers associated with the account ( including private cell phone numbers and work numbers ), has not identified who they are, but has discussed my debt with those who answer the numbers. They have called me personally claiming to be from American Express and ask for personal information including address, birthdate, and social security number - which I do not give. I have told them I will deal directly with American Express yet my friends, family, and I continue to get phone calls from unknown numbers, representatives who are from XXXX with an XXXX accent, and only identify themselves as being from AMEX.
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX : CFPB Complaint ID # TransUnion XXXX, XXXX XXXX and XXXX XXXX Thank you for your response. You acknowledge your irresponsibility in communicating false manufactured facts on my XXXX XXXX, XXXX credit report that resulted in a rental denial and significant increases in my annual auto insurance premiums. You obstructed resolution and stubbornly procrastinated months to communicate with truth. I expect immediate reimbursement for these economic losses. Going forward I expect before you again place any false narrative on my credit report you contact me by certified mail and give me 30 days to respond to any slanderous negative allegation. By return certified mail please acknowledge your agreement and {$400.00} reimbursement. 

You still have not responded to your XXXX XXXX XXXX XXXX false narrative. Please immediately remove and provide access to your intentional deleterious credit report of me so that I can confirm your removal. Thank you. 

Respectfully ; XXXX XXXX
I have a auto loan with Ally. They call me XXXX times a day once I am XXXX day late. They continue to call even after I have scheduled an automatic payment to come out of my checking acct. I called them and told them it was scheduled and to please stop calling. They then try to get me to make the payment sooner and continue to remind me my payment is due on the XXXX of the month. My payment is scheduled for XXXX/XXXX/2015. I have never been 30 days past due. This is annyoying. I also receive text messages from them. Please make them stop! Once I speak with them and advised of payment being made and SCHEDULE the payment the phone calls should not continue. My phone rings all day when I am work and I have been warned about it. There is no reason for them to keep calling like they do.
On several occasions for the last few 3 years I have sent several attempts to the following company XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, PA XXXX requesting validation for the following account XXXX in the amount of {$630.00}. The last several attempts were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. No response, letter of validation or any requested information has been received as of XX/XX/XXXX. Next letter will go out on XX/XX/XXXX
After viewing a copy of my credit report, l noticed three collection accounts placed on my credit report from you inXX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. I am requesting that you allow me to validate the alleged debt ( seeing that you never sent me any written notifications ). I am unaware of any outstanding medical bills that l possess, and I am seeking the name and hospital/medical provider to which l owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please accept this letter as my formal debt validation request, which l am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
On XX/XX/XXXX, client deposited a check in the amount of {$4100.00} into account. After doing so, client became worried that check was fraudulent, and contacted bank. Representative of bank assured client that check seemed valid, and if it cleared in 24 hours, would be. Client waited for stated time, and on XX/XX/XXXX used those funds. On XX/XX/XXXX, client and parent were notified check was indeed fraudulent, and now owed bank restitution. Parent contacted bank on XX/XX/XXXX, was told there were no notes on the account. Parent contacted fraud department and instituted proceedings on XX/XX/XXXX. Parent covered " overdraft '' of {$2600.00} on XX/XX/XXXX. Bank states it has no liability in this regard ; parent researched and found literature stating bank not responsible for misstatements by employees. This seems unreasonable, client sought help, and without statement by employee quite probably would not have used funds after consulting with others. Parent offered mediation, and stated this action could be litigated. Local bank manager re-escalated fraud query, but neither action taken nor correspondence sent to parent. Bank manager offered 0.2 % over market rate for a deposit account ; parent declined this minimal offer.

Bank charged overdraft charges on debit card - parent contested these, they were returned ( at this time, I think all were, but there were many ) Multiple employees stated that funds were made available due to parent 's accounts at bank, even though parent was not notified until AFTER the fact. Another employee stated this type of fraud is not unusual, though it is not readily searched. 
I know of no other business that can misrepresent and not be held liable for actions, though there may be some.
Filed and XXXX this debt to XXXX XXXX XXXX in bankruptcy in XXXX XXXX, they continue to report my account late and send me emails.
I have been yelled at and threatened today by an employee in Credit Card services after I requested to speak with a manager. My credit card has not been working properly and I 've jumped through hoops to get the problem worked out. When the card does n't work properly I call USAA they in turn tell me to try again having FULL knowledge that after a 3rd attempt it blocks and disables the card. Then it Flags the FRAUD department. Afterwards I ca n't use the card for several days and requesting a manager is Impossible if you expect a call back. I have patronized this once wonderful company and I 've only received 2 manager call backs in a 7 year period, after requesting it mor than 27 times. I want the CEO to receive this complaint and have someone competent communicate with me that does n't not fall into the Philosphy that the company is always right. Screaming and yelling and threatening a customer will get the response that a company should want to avoid. I have proof of the representative being condescending, threatening and truly unprofessional. This is the company supporting our Veterans and military that defends our beautiful country. Sad commentary
Checked my credit report to find  XXXX  also listed as  XXXX   XXXX , tire dealers listed as a hard inquire on my report.  XXXX   XXXX  has  XXXX  location in the United States.  XXXX  is in  XXXX , ME. I live in the  Midwest  and have never been to Maine. I do not conduct business with tire dealerships, I pay cash for tires and would not open a credit account to purchase tires and if I did it would not be in  XXXX , ME
XXXX XXXX Senior Vice President Caliber Homes Loans transfer of loan, problems, credit insurance Ref case : XXXX and XXXX Responding to a complaint. response on XX/XX/2018
My loan number is XXXX my interest rate is 7 % I have a mortgage payment with Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, SC XXXX phone number XXXX, I am current with my mortgage and on XX/XX/2018 I wanted to pay more to my principal and Escrow to pay more off and their pay buy the internet website does not allow you to pay XXXX to XXXX dollars extra it automatically gives you a message that reads " You can not make this payment due to a balance! '' well thats what im trying to do. I believe this company does this on purpose so they can charge you more interest on the whole balance which is a terrible practice. I also called on XX/XX/2018 to ask if i can buy a point down to lower my interest and they say they don't do this. I want to be able to pay extra on my account like pay on my principal and escrow and be able to buy my interest down if possible.
XXXX XXXX continues to reinsert three accounts that have already been settled and paid. The accounts initially reported to Transunion as a collection account on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX the debt owed was paid and settled and XXXX XXXX reported this to the bureau. Since that time the accounts have been removed 4 different times after XXXX continues to report and reinsert these derogatory accounts even though they are paid & settled as agreed upon. 

XX/XX/XXXX- all 3 accounts removed from credit report Between XX/XX/XXXX-XX/XX/XXXX XXXX XXXX reports & reinserts all three accounts back on my report XX/XX/XXXX- all 3 accounts removed from credit report XX/XX/XXXX- XXXX XXXX   reports & reinserts all three accounts back on my report XX/XX/XXXX- all 3 accounts removed from credit report Between XX/XX/XXXX- XX/XX/XXXX XXXX XXXX reports & reinserts all three accounts back on my report. 

XX/XX/XXXX- all 3 accounts removed from credit report XX/XX/XXXX- XXXX XXXX reports * reinserts all three accounts back on my report.

( Record of Accounts Activity & Updates attached ) In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the consumer is to be notified of any reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material.

( ii ) Notice to consumer if any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I have received no such notification & this is a very serious violation of the FCRA. Not to mention, each time XXXX XXXX reports & reinserts these accounts on my Transunion credit report my credit score decreases by 20-30 points every time! When they accounts are removed I only gain 5-7 of those points back, which is tremendously affecting my credit score and creditworthiness.
There is a judgment on my credit report that was dismissed. It should not be showing up. Attached is a copy of the documentation direct from the XXXX XXXX XXXX XXXX XXXX Courts XXXX. 
I have written a few times but the credit bureau will not remove it. Please help, I am unable to get a mortgage approved because they will not fix it.