WillisBack/dataset-financial-user-claim huggingface dataset:
This judgment was filed in XX/XX/XXXX in XXXX County. I found out that the federal prohibits someone from collecting debt after ten years in the state of XXXX. The business alleged debt refers to XXXX, Doing business as LLC. They are out of business and also in the state of XXXX, which is out of the jurisdiction for them to collect from me without filing in the state of XXXX, where the debt originated and since the debt was not sold they are committing fraud. The collection agency that continues to try to collect the debt is a collection agency, which is in the state of XXXX and is the Attorney at Law P.A. Kent Hollins. They use a bogus account number that claims they have a XXXX County case Number registered through the court. I have contact the court about this issue and they have no Judgment listed under the number that the collection agency is using to collect the debt. They are attempting to continue to collect by a the letter sent by them, to persuade me to sign a form that they continuously keep sending, which states if I have a dispute to sign and request a court hearing. My Bank account has been garnished for the second time now and the first time they release the judgment because they found out through investigation that it was bogus and released funds back into my account. The collection agency came back again raising the amount from {$620.00} to {$740.00} on XX/XX/XXXX and then raised the amount XX/XX/XXXX to {$830.00}. I contacted them after speaking with the bank representative to resolve the issue by asking if I can settle out with them by giving them {$50.00} and they refused that offer and requested for more information and after that conversation I told them I would get an attorney and they told me to do this. Since the bank I bank with is a third party to parties that are trying to collect the debt, they are waiting on me to send them a letter and proof of this debt being fraudulent. I am sending my evidence to resolve this issue.
On X/X/2017 at XXXX and XXXX, a representative, 'XXXX. XXXX ', with FirstPoint Resources disclosed nonpublic personal information regarding a debt of mine without verifying who she was speaking with. On both phone calls, the representative disclosed my name, address, amount of debt, and original debtor without verifying who she was disclosing that information too. Luckily for me, I was the one on the other end of the phone call in both situations ; however, that information could easily be in the hands of someone else for identify theft purposes now which is a major concern.
Experian continues report information on my credit file thats was submitted with an Identity theft report and a police report case number. 

It has been over a month since submitting the documents to Experian and have not blocked the fraudulent accounts. 

Police case # XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
The following account was opened in my name without my consent. Therefore, I am disputing the validity of this debt and requesting for the creditor to remove this fraudulent account immediately from my XXXX  credit report. Thanks. 

American Express
The last correspondence I sent to Cavalry Portfolio Services on XXXX pertained to a demand for validation. The company has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec XXXX ).
My debit card account information that I receive my child support on was stolen and ALL my funds were withdrawn out of my account. I called and reported these charges were fraudulent on XX/XX/. I filed a police report on XX/XX/ as well. I have called several times trying to get information about when I will receive my money back and was told it could take 90 days. Today XX/XX/ I called to follow up on the investigation on the account and was told my claim was denied due to " similar account activity '' My account was drained out of New York I live in Kansas have never been to New York. I am a single mother on a tight budget. This was my child support money to take care of my XXXX kids. This has put a major strain on me and my family. I need my money that was stolen from me back. I have proof I was NOT in New York.
I sent a Debt Validation letter via postal mail that was dated XX/XX/2019 to Fair Collections & Outsourcing. It is now XX/XX/2019 and I have not received anything Validating the alleged debt that they have listed on my credit report. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation. This collection account is 100 % not mine. It is showing a debt from XXXX XXXX which is a place that I've never lived at. I have been a victim of Identity theft and this account should be removed immediately.
XXXX XXXX holds a debt for XXXX. I told them and disputed that XXXX renewed my contract without my knowledge and charged me for it. I had switched to XXXX at the time but XXXX kept charging me even after my contract was up.
My initial complaint is with XXXX XXXX and their relentless tactics to scam money out of consumers. XX/XX/XXXX, I had a contract with XXXX and during their months long data outage for the Side-Kick phone, I called customer service to cancel my contract due to the service I was paying for at the time not being provided. XXXX canceled my contract WITHOUT fee due to this issue and I switched to XXXX. Years later I was slapped with a collections notice with no bill or notification whatsoever from the initial creditor. Last year, I disputed this collections claim with XXXX credit reporting agency and the charge was dropped. Now another collection agency has picked up this charge except changed the date to reflect a more current balance, which is XXXX violations against the FCRA and FDCPA. They alleged that my first date of delinquency was XXXX XXXX ... .however I had not been a XXXX customer since their data outage in XX/XX/XXXX. I was living abroad during XX/XX/XXXX-XX/XX/XXXX and during this time was a consumer of foreign mobile subscribers so to claim I had an active XXXX account in good standing prior to XX/XX/XXXX is a complete fabrication. They have not been able to furnish any billing or invoice information to attest to their presumed debt which is why at this point I am fairly within my rights to sue both XXXX XXXX and the debt collection agency for selling/buying this erroneous debt years after the account was closed, reporting negative credit information passed the statute of limitations, as well as for falsifying dates of delinquency to allege that this is a legitimate debt.
On XX/XX/2018 I signed a 12-month lease with XXXX XXXX XXXX   XXXX. On XX/XX/2018 my cosigner went to the leasing office to pay the pro-rated last months rent of {$700.00} to cover the remainder of the lease obligation through XX/XX/2018 as instructed by the leasing agent. He was assured that this amount would satisfy the account. On XX/XX/2018 I vacated the property and returned keys to XXXX. XXXX checked our file, assured me that my account was satisfied and that I would be receiving my deposit back by mail. She confirmed our forwarding contact information was correct and I left. 

On XX/XX/2018 I received a letter from Fair Collections and Outsourcing attempting to collect a debt on behalf of XXXX XXXX XXXX XXXXXXXX in the amount of {$150.00}. This is the first time I have been contacted regarding any debt owed to XXXX XXXX XXXX XXXXXXXX. I have not received any notice either by phone or written by post or email regarding any debt much less a delinquency. The letter did not give any detail or itemization of charges, nor have not received my deposit as promised by XXXX.
I had an insurance claim for wind and rain damage on my home ; my insurance company paid out {$7500.00} on the claim. Chase Home Finance improperly converted the claim into a monitored claim - which is very rare for interior cosmetic damage - and we endorsed the check over to Chase. Chase then ran us through hoops for months to get the check released. In the meantime, we laid out the money to hire a contractor to do the fixes and then submitted proof, including photos of all the repairs to Chase. Chase contacted me and scheduled a Chase inspection of the property and told me that the inspection would take place within 3 days. Chase never called me back. I followed-up with them and requested that the check be released however they now tell me that they transferred the loan to a new servicer, although they never previously disclosed that the loan was being transferred. Chase failed to notify me by mail that the loan was being transferred or otherwise. On XX/XX/XXXX I sent in an electronic payment to Chase for my monthly mortgage payment not knowing that my XXXX payment needs to be made to XXXXXXXX XXXX. On top of everything else, Chase is wrongfully withholding my insurance check ; I contacted XXXX and they informed me that Chase has not transferred the check to them. I never authorized Chase to release the funds to anyone but myself ; if chase released the check to XXXX, it was a violation as they had no authority to release it to them. I have also made repeated demands by letter asking Chase to show me the original Mortgage and Note on my property and they have failed to respond or comply with the request.
Hello I have been trying to dispute some inquiries on my credit that have really impacted my score. I did not authorize them at all to be pulled, I have tried to work with customer service to have them deleted however they have not been very helpful and they continue to give me the runaround to call here and there. I am very frustrated at this point and I am writing to you guys so hopefully you can help me out. The inquiries that I am speaking about are the ones below. 

XXXX XXXX XXXX XXXX XXXX should of only been once. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
XXXX hired Financial Asset Management Systems ( FAMS ) to collect on private student loans. Financial Asset Management Systems ( FAMS ) is not reporting all the payments that I have been making since XX/XX/XXXX/XX/XX/2015. I made payments in XX/XX/2015/XX/XX/2015 to FAMS which are not being reported to the balance. FAMS has illegally not reported all the payments that I have made on my account. I took a screenshot of the payments that are being reported via FAMS online payment system but they do n't reflect payments from XX/XX/XXXX/XX/XX/2015. The payment system is not reporting payments made in XXXX/XX/XX/2015 which is illegal and is a deceptive business practice and illegal debt collection practice.
The amount of money they wanted for a monthly payment was way too high for me to achieve. They made the process of lowering the payments almost impossible and took several months, every time I spoke to a person they had different answers and explanations. I was told the payments got lowered to XXXX dollars a month but when I received my first bill it was for XXXX+. Now I can not reach anyone at the company or get any answers. This is just an example of the headaches this company has given me. I am trying my hardest to stay above the waters and do what 's right with paying back my loans and the company is making it impossible for this to be smooth.
I had an arrangement and kept it to pay off the loan with JD BYRIDER. It is still showing on my credit report as a judgement.
Hard inquiry by company. Dont know why this occurred. I dont know why this is showing on my credit report. Please remove.
I originally entered into a 30 year fixed mortgage with XXXX in XXXX. In XX/XX/XXXX when the mortgage meltdown was starting I was talked into a XXXX  Loan that I was told I could get out by XXXX XXXX. It was a negative-am loan supposedly designed to help keep your home by just paying interest for awhile. When I realized this was a predatory loan and have not been able to get out of it I have decided to get some help. We all know what happened in XXXX and XXXX XXXXXXXX XXXX took over all the old XXXX loans and I thought they were supposed to help the people that were harmed by their loans to make it them right. In the past years they have changed servicers at least three times along with the interest rate which has been changed 5 times since I started my Chapter XXXX. 

I am almost ( 6 months left ) in a Chapter XXXX to be able to keep my home. In XX/XX/XXXX the newest servicer ... .Bayview Loan Servicing LLC XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXXXXXX , Fl . XXXX ... .files a Motion for Relief of Automatic Stay and I entered into a signed stipulation between their attorney, my attorney and the bankruptcy judge in which I could pay back the arrearages, work on getting a loan modification to avoid foreclosure and be able to keep my home. I was working with XXXX XXXX, Asset Manger for Bayview Loan Servicing ( XXXX XXXX ) ) XXXX instructed me that Bayview needed me to request an appraisal for my home and that the appraisal needed to be XXXX to XXXX XXXX dollars less that the projected {$530000.00}. He said the reason was that XXXX XXXXXXXX XXXX did not want me to be able to sell it and make money on it. I personally thought that was ridiculous. Then on XX/XX/XXXX I received a couple of threatening phone messages from Bayview ( XXXX XXXX ) telling me that I have a ton of money I need to come up with or they were going to start foreclosure proceedings. I tried calling him back and he again said I need to send him a large amount of money ( didn't give me an amount ) also that he had talked with my attorney and that my attorney said he couldn't do anything then he said he would call me back and hung up. It was very weird and scary to say the least. Harassment. I notified XXXX XXXX who has never returned my call and I notified my attorney who said he has never spoken with anyone from Bayview Loan Serving. 

I have a partner, XXXX XXXX that can verify all of the above. His contact number is XXXX. 

In closing I would like to say is that all I have ever wanted was to get out of this predatory negative-am loan and into a regular fixed loan. 
Any assistance in this matter would be sincerely appreciated. 

Kindest regards, XXXX XXXX
We feel that we are being treated unfair and that there are deceptive practices happening with the  1st and 2nd lien holders of our mortgage. Both the 1st and 2nd lien holders know that we have a so lid sales contract to sell our property but due to the fact of being behind of on our mortgage they are threatening and forcing us to pay unnecessary attorneys fees by sending our loans to foreclosure. Despite following all of their rules and requests they are still stating that the sales contract that is currently in escrow is of little meaning and that we will need to pay these attorney fees. Shame on you  XXXX   XXXX  and  Ditch for ta king the little guy out even though they have worked their hardest to pay their obligation in full back to you.
A collection was placed on my credit report XX/XX/XXXX with a date of XXXX XXXX. I called on XXXX XXXX and sent a certified letter on the same day. The customer service rep said this debt was from XXXX XXXX but could not verify my address was the same. There were 3 different times this debt was put on my credit report and one after I disputed the debt. I asked that this be reported as disputed until RGS could provide more details to the debt and the customer service rep said she would need to contact the original creditor. This was not done.
I received another letter from XXXX aka XXXX XXXX XXXX dated XXXX XXXX as to why they refuse to withdraw my request to close the account. This one has different reasons from the first letter. Nothing about accounts being open too little of time. Because they kept pulling my information without my knowledge. That includes XXXX XXXX. Nobody told me they were going the report again. I am now below average due to too many request and a freeze will be put on the account. Again there was NO reason for them to pull my credit report and change the interest rate. The letter has one credit score my other credit card has a different score which lower
I am writing to make a formal complaint and request that American Express honors the advertised sign-up bonus for XXXX XXXX credit card that includes one free weekend night andXXXX XXXX  XXXX XXXX points, which were not credited to my account.The details of the advertised sign on bonus are available in the screenshots of attached document.

I submitted a new application for XXXX XXXX credit card at American express website www.americanexpress.com in the beginning on XX/XX/2018 and met the spending requirements within a month. I contacted customer service via chat and phone multiple times and they told me that I was not eligible for any of the advertised bonuses because my application was processed as a product change/upgrade and not as a new application and on their end. I spent about a month talking to customer service representatives and supervisors via chat and phone with no progress and no resolution date. Every time I contact American express I deal with a new representative and have to start from scratch. I mailed a formal complaint ( attached ) to American Express corporate offices, but received no answer. Please assist. Thank you
After 3 months of processing, and 2 days before closing, I was told I dont quality.

OnXX/XX/XXXX, I applied for a refi for my primary property ; corresponding via phone and email with XXXX XXXX   at Reliance First Capital in XXXX, NC. My initial request and conversation with her was to ensure that my debt-to-income ratio was sufficient and that I could use the rental income on my second investment property as income. See emails attached. I wouldn't let them pull my credit until they verified this information.

I submitted all paperwork and was approved for the loan for $ XXXX@ 4.5 % for 30 years and was in the final stages of the loan process in XX/XX/XXXX, per the closing disclosure information I received via docmagic.com, as well as XXXX emails to me ( attached ). Loan Number : XXXX.

I executed three sets of Closing Disclosures, was told several times that I would close on the loan tomorrow or next week. After 3 months of submitting ALL necessary paperwork, paying appraisal fee of {$500.00}, paying for HOA forms fee of {$210.00}, being told I was closing within days, I receive a call from XXXX  's manager, XXXX XXXX who told me that I didnt qualify and it was because of the Dodd-Frank act. I dont understand how an act set up in XX/XX/XXXXcould have affecting a closing that was to finalize within days. Now interest rates have increased substantially and I am out thousands of dollars due to their error. They deleted the latest Disclosure statement in XXXX, but I have all other copies and emails.

Attached, copies of email correspondence, documents, and Closing Documentations submitted.

XXXX XXXX : XXXX XXXX XXXX XXXX : XXXXXXXX Lender License No. : XXXX  NMLS ID : XXXX
Upon finding out my medical bill was sent to collections, I paid the bill directly to the health care provider. Although the collection was removed by XXXX, XXXX continues to show it as an open account. Receipts outlining paid have been provided. In addition collection company falsely stated my debt was discharged or I was late on paying the collection amount. Debt owed paid in full. In addition XXXX gave collection company sensitive medical information in direct violation of HIPPA laws. The collection company had my XXXX, XXXX done, medical issues found, and various other medical issues from my medical chart.
I XXXX XXXX Have spoke with the company and informed them that I never made a purchase of that sort from XXXX XXXX XXXX and I also informed that I visited the XXXX XXXX XXXX location and they stated that I was in great standing with the company and that nothing was owed.
CBNA Inquiry : XXXX XXXX, 2016 I never authorized nor was I interested in obtaining credit with any company associated with this creditor ( Citibank ). I called the company over 2 months ago and was assured this inquiry would be removed because my information did not match their records but this hard pull has not been removed yet. I waited enough time for this issue to be resolved already. Your assistance will be greatly appreciated. Thank you
My minor daughter is receiving solicitations from Discover, and I did not grant permission to do so. She is only XXXX years old. She does not have a credit card from Discover and this website does not give me an option for filing this complaint without selecting " Card Holder ''. She does not have, nor has, a Discover card.
We cancelled our insurance with  XXXX   XXXX  on  X/XX/2017   , with an effective date of  X/X/2017   . They sent us a bill for back premium for {$140.00}. We have looked through every bill from them and our bank statements and have paid all of our bills. They told us that we were a month behind, but we have never missed a payment. They have now turned us over to a collection agency, Credit Collection Services.
I purchased a vehicle from Drive Time Acceptance in XX/XX/XXXX. Due to their erroneous credit reporting all consumer trade lines had to be hidden/removed from individual reports. All of the consumers trade lines have been added but not consumers who 've had a bankruptcy. My bankruptcy was dismissed because I opted to pay all of the debt and DT 's vehicle was never included in the BK. For the last 3 1/2 years I 've made every payment on time however in XX/XX/XXXX XXXX reported me as late so I understand the reasoning behind the judgement. Over all this has been a horrible experience and I will never do business with them again however I would like the benefit of having this line added back on my credit report. I would like to obtain a new car loan with a new lender to have this positively reflected on my report but because the last 3 1/2 years did n't happen I am back to having a negative car loan experience and higher interest rated. Please advise.
I am scheduled to close on a mortgage for a new home on XX/XX/XXXX. I haven't received an updated Closing Disclosure since the beginning of the loan process and have requested it several times. Since the beginning of the loan, the closing date has changed ( causing per diem interest to be owed ) and the appraisal has been paid for out of pocket by me. In addition, the escrow amounts have been adjusted. I need to know if I'll have enough funds for closing and am concerned. My requests for a new CD since XX/XX/XXXX have not been fulfilled. Instead, the loan officer and loan processor continue to say that they are awaiting further details in order to provide a CD,  like the HOI. This is minor and a CD can and should still be provided based on all the other changes.
I requested that the agency provide verification i.e. a lawful contract ; a hand signed invoice to prove this alleged debt is valid so I may pay any verified debt owed. I gave the agency 10 days from the date I received my returned certified letter receipt ( XXXX XXXX ). It has been well over ( 10 ) days and the agency has defaulted in sending me the information I requested to verify the accuracy of this account. Therefore I am requesting that this false account be removed immediately and permanently from mycredit report.
student loan with fed loan reporting to my credit file that doesn't belong to me email company and send letter by mail asking proof of document have not gotten anything or hear back from them account was removed from my credit file but then 3 month later put back on