WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX 2017 - XXXX XXXX - Friend was approached outside house and asked if I lived there. Upon questioning he revealed to my friend it was for credit card debt and left documents with him revealing details of the debt. <P/>XXXX XXXX 2017 - XXXX XXXX - Person came to door asking for me and if I lived there. Friend told him to leave. <P/>XXXX XXXX 2017 - XXXX XXXX - Person came to door, striking it forcefully and loudly ( this startling, unexpected and unwanted action caused me to fear for my son 's and my safety ). My friend, who was likewise concerned, asked this person to identify himself.
Person said he came yesterday and again asked if I lived there. Friend told him to leave - he was insistent and would not leave. My friend ( a law enforcement officer ) told him to " cease and desist '' coming to the property. Person would not leave. Friend told him he considered him a threat and was armed ( legally ). Person told him " well then, you 're going to have to shoot me '' and that he will be back tomorrow. Based on person 's response, which a reasonable and prudent person would not utter, I fear this person is a clear and determined threat to the safety of me and my son.
I have contacted XXXX early XX/XX/XXXX, and have filed a complaint that the account does not belong to me. Nothing has been done to remove the account. Today XX/XX/XXXX have contacted the Department of Education, and Nelnet, the account servicer, and they have told me that they have no record of any kind associated with my social security. Nelnet did give me a website, https : //www.nslds.ed.gov. When I made contact they also could not find any account associated with my social security.
Ocwen scheduled a foreclosure auction after the loss mitigation application was deemed complete by their underwriters, in violation of the CFPB 's prohibition against dual tracking
On XX/XX/2018, credit card payment of {$8000.00} was made and it was posted on Barclays credit card on XX/XX/2018. 

On XX/XX/2018 ( same day ), Barclays Card decreased credit limit to {$6900.00} ( decreased for the amount of the {$8000.00} payment made and posted ) without any notification to customer ( myself ). This is abusive business practice as a registered financial institution. 

On XX/XX/2018, I called customer service, spoke to customer service representative name XXXX ( ID # : XXXX / XXXX XXXX office ) and confirmed that there's no letter/notification went out to customer. ( XXXX ) Barclays credit card is in standing, always was, never made late payment.
I signed up for a loan and was told I was in charge of making payments which is no problem, I then received a notice that they withdrew  XXXX  from my account when the first payment was only supposed to be  XXXX . I then signed on and looked and they have a  XXXX  dollar fee attached to all future payments. I never agreed to the taking the money out. And also come to find out they are not licensed in my state of Washington to be giving loans. They stated they are a tribe and can do what thet want but the attorney generals office says not they cant
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. XXXX of these was : Diversified Consultants The address listed on the credit report is : XXXX XXXX XXXX XXXX, FL XXXX The account number that they are reporting is " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA . I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. XXXX tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 53 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ) and Diversified Consultants have NOT removed this account from my credit reports, or have sent me any kind of validation. 

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.
The case was taken to mediation on XX/XX/XXXX and Defendant failed to appear. The case was dismissed per mediators. The Defendant hired another attorney who petitioned the courst several times for judgement. 

The courts original dismissal granted on or about XX/XX/XXXX entered in mediation by which defendant representative failed to appear at the mediation hearing on or about XX/XX/XXXX XXXX at which the plaintiff did appear in good faith with intent to mediate. The court sent a notice of dismissal of law suit to defendants and its counsel on or about XX/XX/XXXX. 

The court denied defendants motion for summary judgement on or about XX/XX/XXXX, and the courts second notice of dismissal to the defendants and its counsel on or about XX/XX/XXXX. On XXXX XXXX XXXX somehow the legal firm was able to overturn the dismissal without my ability to defend or have the court stand by its original mediation dismissal.
I have disputed this bankruptcy before several times with TransUnion & XXXX and the outcome of this bankruptcy was discharged which means it does not exist in the courts, XXXX has removed it from my report but TransUnion & XXXX has fail to remove it.
My Costumer pay me with a business check ( {$760.00} XX/XX/XXXX XXXX XXXX ) I deposit it by photo in the only bank I have. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX take out the {$760.00} by posting error I try to fix this with XXXX XXXX, XXXX XXXX XXXX, Wells Fargo and The Police Wells Fargo account # -- XXXX accept a ATM deposit and negociate it with XXXX XXXX XXXX. ( I never have an account in Wells Fargo ) So Wells Fargo accept to deposit a Business check in a personal account that dose n't fit the check 's name. ( does anybody can deposit a check without verification? )
Synchrony Financial / XXXX XXXX Credit Card Opened XXXX ( Credit Inquiry ) Paid off : XXXX Closed : XXXX ( Negatively hit Credit Report ) I used this store credit card to purchase tires. The vehicle that I had at the time was sold and a new car purchased in XXXX. I have n't needed tires yet, but I will need them in a month or two. I got notification from XXXX XXXX that the account was closed on the XXXX of XXXX. I called Synchrony Financial and asked them why. They said due to inactivity. I have other XXXX accounts XXXX XXXX, etc ) and they have had inactivity on them and they do n't auto close. The representative on the phone said that they can not re-open the account and there was n't anything they could do to help me. I was n't given any notice that the account would close ( not in email or written form ). I do not feel that a financial institution should have the right to negatively affect ones credit without their knowledge. Because I accepted the hit to my credit when I signed up for the card. I however did not accept the hit to my credit when they arbitrarily closed my account without prior knowledge or consent. I do not believe credit card issuing banks should have this right unless it is spelled out in their terms of service or notification to the customer is made.
I had a car repossessed in XX/XX/XXXX. At the time I was out on XXXX  due to a work injury and a single parent. I was financially insolvent. VW Credit just submitted the charge off with tax year XX/XX/XXXX. Now the IRS is auditing my income for tax year XX/XX/XXXX. My understanding is that they are outside of the statute of limitation to charge off a debt that happens in XX/XX/XXXX in XX/XX/XXXX.
XXXX was my previous mortgage lender for approximately 9 years plus. Carrington Mortgage bought my loan in XXXX XXXX. Within 3 months of my loan, my escrow amount changed. I did not know my payment amount had changed. I paid the regular amount I pay. Then in XXXX XXXX, I was threaten to foreclose on my house. I could not understand why. I checked my bank and my check had been cash on XXXX/XXXX/XXXX for my XXXX payment. They allegated that it was not a full payment and it had never been applied to my account. In XXXX XXXX I paid my payment online and there website told me it had sucessfully been submitted. See attached copy for both payments. In XXXX XXXX I got another letter threatening a foreclosure again. When I called them they said I had made an error entering my account number. If this was the case why did their website give me deceiving information. In XXXX I decided I was refinancing and to my surprise they had reported to credit bureau ( XXXX ) 30 day notices. This ruined my credit and I was unable to refinance. In XXXX XXXX, XXXX I send them attached complaint requesting a written response and they never did. The confirmation for fax transmittal is also attached. When I received my XXXX XXXX statement it was not reflecting my XXXX XXXX payment. So when I called them I told them that my funds were debited from my bank. They asked me to fax a front and back copy of cancelled check. When I went to my bank they could not provide copy because Carrington had cashed electronically. When I called Carrington back they said to send them my Bank Statement. I said no that I would provide something from the bank. I was told by there Customer Service Department that it would take 15 to 20 days to resolve my issue. I became desperate and decided to find an advocate for Carrington. It was a coincidence that as soon as contacted them they mentioned they had found my payment. I believe they are doing all this to continue to ruin my credit so I can not refinance. Please see attached email. I have filed a complaint with all credit bureaus and Carrington to remove this errornous information on my credit report.
hello i have a number of hard inquires from chase bank on my XXXX   credit report. i dont have a chase account and i have not applied for a bank or credit card with them. the dates of the inquires are XX/XX/XXXX.this is my first step in resolving this issue and any help would be great. thank you
My loan has a payment due date on the XXXX of each month. I have met the payment dates faithfully for the past year with the exception of one month ( XXXX 2015 ) when my payment was 8 days late. I was charged a {$30.00} late fee which is 50 % of the required payment amount. Each month thereafter required a minimum payment due of {$90.00} ( inclusive of that {$30.00} late fee ). I continued to pay the normal {$60.00} payment amount ON TIME but not the full so-called " Required minimum payment '' of {$90.00} because I was protesting the amount of the late fee. I finally gave up and paid the {$30.00} in a separate payment on XXXX/XXXX/15. This company is continuing to charge the {$30.00} late fee on each subsequent statement. I make these payments directly on-line. Today ( XX/XX/XXXX ) I initiated a payment in the amount of {$60.00} and received a message that this was less than the required minimum payment and I would, therefore, be assessed a late fee. I called to speak to someone in customer service to explain that I believe it is not correct that they can charge a late fee on a " late fee '', especially since it had already been paid. The representative and her manager both attempted to tell me that the late fees will continue to apply whenever I pay less than the " required minimum amount due ''. I was speaking to deaf ears when I said the reason I paid less than the " amount due '' was because part of that amount due had already been paid. Can they continue to assess a {$30.00} charge each month? My payments are being made each month on time and for the amount of the original agreement.
On XX/XX/XXXX I sent letters out to Equifax XXXX and XXXX stating my identity had been compromised. I notated the accounts that needed to be addressed. 
XXXX/XXXX ( 5 ) - acct. XXXX XXXX XXXX- XXXX XXXX XXXX-XXXX/ XXXX Equifax deleted the XXXX/XXXX accounts and in return sent an updated credit report notifying me it was sold to another collection agency which it is still reporting inaccurately on my credit profile damaging my credit. XXXX and XXXX   stated information was updated and verified. 
XX/XX/XXXX I sent letters out again asking for verification but the credit bureaus failed to update unverified information or the method in which they verified information in which they fail to do so. 
I reached out to the companies but have failed to get a single response. I am requesting assistance in the verification of the removal of inaccurate information on my credit report. The Credit Bureaus have failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act
Hello I have information that does not belong to me. Please help. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and inquiry XXXX i contacted them they said i must pay it. i dont know what to di its not mines
XXXX XXXX XXXX XXXX sent me - by name - a credit card offer promising XXXX bonus Skymiles and a {$50.00} statement credit if I spent over {$3000.00} in three months and bought a ticket on XXXX XXXX  website. I did all that, but no bonus and no credit. Why? When I called, they quickly told me it was because years ago I had a XXXX credit card. Really? Then why did they send me the bonus offer? Credit card companies should be obliged to honor the bonus offers they send out to individuals, if the basis for refusing the bonus was known to the company at the time they sent the offer.
I been having problems for years trying to find out about these student loans. every time i get the company, they sell my loans to other companies and i get lost in this system. The last company told me i owe {$38000.00} for these loans, THIS amount IS WRONG!! So now i'm trying to finally buy my 1st home for my family, but this mess keeps showing up on my credit report. I'm XXXX years old single father with XXXX children i want to leave something to my kids ... a house, but i can't fight these big companies, they are too slick.PLEASE HELP ME AND MY KIDS. Thanks again
After three years of dealing with Nationstar through an attorney and thousands of dollars of erroneous fees and attorney fees that have not been recovered, this account was recently modified. 
While waiting for the escrow analysis to be completed in XX/XX/XXXX, the XX/XX/XXXX payment was sent in for {$1300.00}. 
Once the escrow analysis was completed, the payment of {$1300.00} was calculated. 
This amount is incorrect because it was calculated before the credits were applied. The credits were due to us due to Nationstar 's improper application of insurance from XX/XX/XXXX-XX/XX/XXXX and the accumulation of erroneous fees. 
With a new loan term and appropriate credits applied, the payment calculates to {$1300.00}. 
We have brought this to Nationstar 's attention and have been put off with replies from representatives telling us " we do n't reamortize ''. The loan was NEVER properly amortized in XX/XX/XXXX. 
Please answer the questions we have written and called about since XX/XX/XXXX : 1. Where did the overage go from XX/XX/XXXX payment in the amount of {$1300.00}? We did not ask for this to go to the principal. 
2. Where is our correct statement of escrow credits and correct new payment after modification and credits? 
3. What is the additional {$8.00} added to monthly payment shown on the escrow statement? 
4. Where is our refund of the {$9.00} fee that was charged for the XX/XX/XXXX payment? ( Our XX/XX/XXXX payment was sent in by check. The check was sent back to us on XX/XX/XXXX stamped received by Nationstar on XX/XX/XXXX. The note said borrower information unknown. We were assured by Nationstar representative that there would be no late fee applied due to this error. We paid online to avoid a longer wait by mail. The fee was not removed or refunded as of now. )
XXXX XXXX, XXXX my credit report was used without my consent from XXXX and XXXX XXXX
I am a a few payments behind on my XXXX loan and Ive been paying towards it every week this representative from the loan company XXXX keeps emailing me and calling me harassing me telling me he is not on my XXXX XXXX I need to pay up or he will make it hard for me to keep my car also he is not stating the FDCPA with any of his forms of communications with me I have copys of the emails as well as voice mails.
A rep for USI Solutions contacted me Friday threatening to sue me for a XXXX XXXX account XXXX that is more than 7 years old and past the statue of limitations. i explained to her the account age and asked her not to contact me, today i received a letter in the mail stating if i do not make arrangements to pay them within 30 days they were going to file a judgement against me which is illegal because of the SOL law.
There is an account reporting on my credit file with XXXX XXXX and I requested the credit bureaus to investigate this. The results from the bureaus indicated it was mine. However I had a representative contact XXXX using a power of attorney and they told her that they could not locate any information with my social, date birth, address etc., I then submit a letter directly to XXXX asking for validation of the debt since they could not locate me by the above. The letter I received was nothing more than statement from their company stating I owe it. The even more frustrating part is how are they able to locate my information now when they could n't before? All that information was given to them initially to locate the information and the did n't. How do I even know if they did n't input the information when I had the representative call? There was nothing sent to me with my signature, payment history from previous company etc.
This is just a follow-up on the complain I submitted XXXX XXXX with case # XXXX. I have contacted Macy 's executive office after CFPB contacted them. On XXXX XXXX, XXXX XXXX XXXX of Macy 's executive office send me a letter saying after their further investigation, they located the payments that were made using my checking account. Her letter also indicated that the amount {$380.00} will be refunded back to my checking account and allow 3 to 5 business days for processing. ( that was XXXX ) Her letter indicated a wrong account number ( account ending in XXXX ). Since the incident, I have closed my Checking Account. My account number is XXXX XXXX XXXX XXXX, account # XXXX. After a few phone calls ( leaving messages all the time ) I finally talked to her and gave her the correct account number. That was XXXX XXXX. Maybe with your help, XXXX will finally resolve this problem. XXXX XXXX phone at XXXX is XXXX Extension XXXX. Thank you so much.
A wire transfer of XXXX $ was fraudulently made out of my checking account at HSBC by someone at XXXX XXXX. The money was withdrawn on XX/XX/24. I have since reported the fraud and made weekly calls in an attempt to have the stolen funds reimbursed. I have waited hours on hold, spoken to 20+ representatives, made several trips to HSBC offices, sent emails as directed to non working email addresses and been hung up on all in an attempt to be reimbursed.
I noticed this discrepancy on my credit report, however, I do not know where this debt is from.
I have received voicemail messages informing me that a complaint has been filed with my financial institution and that all assets and active accounts will be closed within 72 hours. 

In addition, this account was removed from my credit report already.
My credit score went down more then 30 points. I called Transunion and spoke to XXXX and she said nothing changed, does n't know why it went down and to call the credit card company because they do n't generate the scores. ( as if I do n't know anything ). So I asked to speak with a supervisor, I spoke to XXXX XXXX and all he was saying is how it all works but could not talk about me specifically as to why my score went down, just that nothing changed and they do n't generate my score, a computer does. After that I asked to speak to his boss or someone that can help me and then he hung the phone up on me. So I tried to call XXXX to see why my score went down and they too could not tell me why my score went down. Just to say I have nothing bad on my report and I always pay on time, even before things are due. So why did my credit score go down. No one wants to help me. This also happened to me about a year ago, XXXX XXXX  put the wrong information in and I ended up paying allot more interest then I was supposed to.. I called XXXX XXXX and they corrected it but XXXX XXXX would n't look at my score again so I 'm paying XXXX more in the corse of 30 yrs.. I 've done everything I can to have a excellent Score and I feel like I 'm being taken advantage of from these people.
I enrolled at XXXX University XXXX under the presumption that I would be eligible for financial aid for the semester I was attending, however because they failed to process my financial aid in time by the time they did, they discovered that I was not eligible for financial aid however I had already enrolled in courses and the semester and had already completed work but they kept assuring me that my financial aid would be applied after I had begun the second 8-week course in the semester. Near the end of the semester they told me they were not able to apply any financial aid to my account and that I would be responsible for paying the {$6000.00} bill and they failed me so I wont even receive the credit for all of the hard work I did all those months. Since I do not have {$6000.00}, they have now reported this to collections and it is on my credit report. I attended online XX/XX/XXXX-XX/XX/XXXX.
WERE DISPUTED WITH EQUIFAX ON XX/XX/2018. I DID NOT RECEIVED ANY REPORT BACK FROM EQUIFAX.
Customer service very disrespectful Once I make agreement as a cosigner on my granddaughters loans and I make payments on NAVIENT website its stating not paying as agreed. Also I agree with a payment schedule only to receive emails that Im late or not paying as negotiated.
My mortgage company will not take PMI ( private mortgage insurance ) off of my loan after I have met all the requirements.