WillisBack/dataset-financial-user-claim huggingface dataset:
default judgement filed and i was not properly served summons, wage garnishment order served my employer. i submitted claim of exemption. Midland Funding LLc submitted opposition to claim of exemption stating they would not be present at exemption hearing. 
found that to be strange begin that they felt i really owed them. 
I went to exemption hearing, no proof of service in documents when i inquired who was sub-served for me, original creditor was not indicated in documents. Judge said my money was to be returned to me. I feel humiliated, and Midland should be findfor falsifying legal documents, destroying people credit worthinessand making false implications to consumers employers. This would be consider a strike against me, and another strike, i could lose my job after XXXX years.
Remove all inaccuracies, errors, and all inaccurate accounts listed under frivolous addresses immediately after investigation. I am not affiliated with no other addresses but the XXXX. XXXX address, thank you. The correct address is XXXX. XXXX XXXX XXXX FL XXXX. Please remove any other addresses listed on my credit file. The XXXX. XXXX address listed above is the correct address. XXXX, XXXX, Experian this is my 3rd and final letter contacting you about the inaccurate information that continue to report on my credit file. You have violated my rights using my consent and falsely accused me of these inaccurate accounts and the error of my address. I demand that you remove the inaccurate accounts immediately. In the FCRA section 609 it clearly states if you cant provide me with any original contracts with my signature showing that I owe a debt on the account that is reporting inaccurately it must be removed immediately so Im demanding that the inaccuracies and errors be removed within 24 hours. There is a pending complaint file with The FTC and lawsuit against your companies.
I have a complaint against the current mortgage company who has my loan Nationstar Mortgage. Despite my pleas for help they have not opened up a review of my financial information nor assigned a single point of contact. Instead they have scheduled a sale date of my home for XX/XX/XXXX. Nationstar is the XXXX different bank to hold my loan. I have been trying for a long time to fix this problem of my delinquent payments but every time I seem to be getting some traction the loan gets transferred. I am employed and have owned my house for 11 years and want to save it. This is a conventional loan that I believe is backed by XXXX. I just heard that there were some new programs to help homeowners with conventional XXXX loans and I think I could qualify. My interest rate is 7 % and I have suffered a real hardship the last few years. 

I have worked in construction for over 30 years and had steady employment and money in the bank when I bought my home. Like millions of Americans, I was blindsided by the recession and found myself in and out of work for the next couple of years. I was still making my mortgage payment each month, but the writing was on the wall that it would be difficult to maintain. I reached out to my servicer at the time to apply for help. ( I believe it was XXXX XXXX or XXXX at that time ). They told me that even though I had an obvious financial crisis going on, they would not consider my application unless I was behind on my mortgage loan. So I took their advice and stopped making my payment in order to be considered for mortgage assistance. I started the modification process but within a matter of a few months I was being threatened with foreclosure by the agents at the bank. So I had to scramble and borrow money and do whatever I could to get caught up on the loan. But the problem had not been solved, I was still barely staying afloat. 

I hung on as long as I could but eventually due to the high payment vs. my income and sporadic unemployment I fell behind. I tried to work with all of the companies who held the loan -- XXXX, XXXX, XXXX and every time that it seemed I was making progress the loan would get transferred. I have never been assigned a designated point of contact by Nationstar and have never had a review completed. I deserve to be considered for these new XXXX backed programs, as well as all other government and in house programs that Nationstar has available.
XXXX XXXX is showin in 2 credit Companies XXXX and XXXX that account is closed 11 XXXX   XXXX  the have wrong dates it even shows still open And XXXX XXXX   card it should not be on credit report I talk to some one when I canceled
This is regarding Discover Payment Protection Plan. <P/>It turned out I was enrolled in the plan for years ( since XXXX ) and paid thousands of dollars in fees. I 've been making automatic minimum required payments for the maxed out card without realizing that approximately {$160.00} each month goes for the service I did not request. I called Discover about it, they cancelled the service and refunded 6 months worth of payments. However this does not come close to the amount I paid over the years. <P/>Attached are two statements - one dated XX/XX/XXXX and the other one XX/XX/XXXX. I was charged almost {$5000.00} just during this period. <P/>I understand I am not the only one who was taken for the ride by Discover. XXXX XXXX XXXX I 've been paying high interest rate for my card balance for many years now, charging another $ XXXXmonth on top of that is just not right. Please help me recover the money. <P/>Thank you
I have submitted a dispute with all the XXXX bureau 's Just been informed as I was trying to buy a house that just recently this judgment was on my report. Judgment is from XXXX and I have a judgment that stands on my credit report that was not from me. the evidence given by ascend shows checks signed by me. The check signature on back is not my signature or known facility of business on check. the check is made out of XXXX XXXX XXXX, I do not use my middle name ever!. also documents state that I was sent many letters that I never received or seen a sheriff come to my house and serve any papers. At that time I worked XXXX hours a day. Working an going to school. From the attorney she stated I will be getting recurring interest since I called about the issue XXXX/XXXX/XXXX. She says the total is now XXXX so I am very confused how this judgment has changed so drastically in a matter of months. I need help figuring this out cause XXXX XXXX is not assisting besides pay the debt and I have numerous time said this debt is not mine. Even if it the judgment came off i was told that ascend will not remove it, so i am screwed no matter what.
Portfolio Recovery does not disclose who is calling or why. Only after looking the phone number up online did I discover that they were a collection agency. 

They are also trying to collect on debt that is past its statute of limitations.
I have notified this company via certified letter twice to verify the debt they are attempting to collect, with no response. I have never received any correspondence from this company. I also believe the date in which this company acquired the debt is incorrect. According to my records there is nothing in my finances that reflect such debt.
When I first started having issues making payments, I was told I should get a forbearance but only if I paid a {$150.00} fee. That {$150.00} fee was a processing fee that {$0.00} of went towards my loan. There was a petition and protest about this a few years ago and they finally stopped doing that but I was forced to pay that {$150.00} fee a number of times before they ended that practice. Whenever I called to talk about figuring out a payment plan or lowering my payment, they were very unhelpful and I usually ended up in tears. It was never an issue of them honestly not being able to lower my payment, they just wanted me to pay more. I was asked by a number of reps if I could get money from family or work a XXXX job and even told that I was being irresponsible by not being able to afford the monthly payment. I am no longer under their thumb as my husband and I sold our house and the first thing we did was settle on our loans so we would n't have to be harassed by XXXX/Navient anymore. My husband and I each had cosigners on a couple of our loans. My mother and father were each cosigner on a few of mine and they were harassed repeatedly by XXXX XXXX. I asked them to stop calling them and they told me I had to send a letter in to them by mail to request that. I did so and found out later that they continued to harass my parents. When I contacted XXXX XXXX to ask why my request was not being followed I was told that they received my letter and had it in their system but they did n't have to follow it because I had not hand signed it ( which I believe I did do ). I have a brother-in-law who lives in XXXX and is fairly well known there. Someone from XXXX XXXX called his house and talked to his wife asking about my loans. When I called and asked what that was about they said they could n't get ahold of me so they wanted to get my attention. My husband 's grandparents were a cosigner on one of his XXXX XXXX loans as well. His grandmother passed away a few years ago and his grandfather remarried. His grandfather had moved to XXXX and was in XXXX and they were calling his wife 's house and sending letters to harass her. After he died they even tried going after his estate. XXXX XXXX is the most despicable entity I 've ever encountered.
On XX/XX/XXXX, I signed on to my Coinbase Account to sell Bitcoin for USD. 
Transaction was to sell XXXX BTC for USD to be wire transferred to my Bank acct. 
At the time of the transaction Btc was around {$4000.00}. Coinbase acknowledged the request. The BTC was deducted from my wallet, but the USD never appeared in my bank. I contacted Customer Support, they assured me that my funds were safe. After weeks of radio silence they responded and acknowledged that there was an issue and said they would return my funds to me. The Customer support agent stated that this was high priority for him and would be resolved on the following business day. That was XX/XX/XXXX. 
I still have no resolution and feel that my complaints are going unanswered. I want my Bitcoin back into my account as if this never happened. XXXX Btc is worth around {$8000.00} right now. It has been 3 months that Coinbase has made my funds unassailable.
Please delete XXXX XXXX XXXX XXXX which reported as late on my credit report..It is obvious that the account is unverified, and inaccurate. The account is having false information and should be removed asap
I submitted a complaint XXXX and Experian investigated, and responded saying they would remove XXXX XXXX from my credit report, along with XXXX XXXX. XXXX XXXX was removed, but NOT XXXX XXXX. Original complaint # XXXX Dispute and request for debt validation was requested to Experian on XXXX2017 for the following : XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX On XXXX17- I called Experian to get the results and spoke to XXXX @ XXXXXXXX XXXX. XXXX informed me that Experian does not request validation of an account. He also stated that the accounts mentioned above would remain on my credit report. This practice is illegal, as the bureau is obligated to confirm/validate accounts upon my formal request. Also, they did NOT do a formal investigation. I filed a complaint with XXXX ( attached ) as validation was never received, for neither account, nor are either of the creditors licensed to collect in the state of Illinois ( attached ). XXXX XXXX agreed to remove the collection ( attached Company responded STATUS Company responded on XXXX/XXXX/2017 RESPONSE TYPE Closed with non-monetary relief Company 's Response Thank you for submitting your complaint on XXXX XXXX, 2017, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information that you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that there are two accounts on your credit report that you request be removed. Per your request to conduct an investigation, we contacted the data furnishers to verify the accuracy of the information with which you disagree. The disputed accounts have been removed from your credit report. The result summary, confirming the removal of the disputed information, was sent to you on XXXX XXXX, 2017. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
We purchased a foreclosure property from Bank of America located at XXXX XXXX XXXX XXXX, XXXX VA XXXX in XXXX XXXX. In Virginia, you are required to obtain a repo title with the DMV when you foreclose on a property. This was not done by either Bank of America or their foreclosure agent ( XXXX XXXX XXXX, XXXX. ). XXXX XXXX XXXX, XXXX. did not even request a DMV title report until nearly 4 months after closing and then conveniently overlooked that a title and lien existed. I have spent a ridiculous amount of hours over the last several months trying to get the lien released and have them send me the title from the DMV. I literally had to show Bank of America where on the title report the lien and title number were and they refused to help me at all until I had a DMV title report on the property. I finally received the lien release in XXXX XXXX but if I turn it in to the DMV then they mail the title to the former owner ( who is deceased and did not have an estate to distribute ) .Both Bank of America and XXXX XXXX XXXX XXXX XXXX. refuse to fill out the form and request the title from the DMV. I have offered to fill out the form for them and send them the 10 bucks. I know it is common practice for Bank of America, XXXX XXXX XXXX and other big banks to refuse to get Manufactured home titles but it needs to stop. Why do n't they have to follow the law? They market and advertise these properties as single family residences and then do a bait and switch maneuver. They use hold harmless forms to avoid complying with the law. These tactics are frustrating and cost their customer extraordinary amounts of time and money.This is really simple fix for either Bank of America or XXXX XXXX XXXX, XXXX. and I only want them to do what should have been done when they foreclosed on the property. If I could do it, I would. I have spent countless hours on the phone with Bank of America, XXXX XXXX XXXX, XXXX and at the XXXX without success. 

This is a really easy fix for Bank of America and/or XXXX XXXX XXXX, XXXX. It does not have to be this hard. It is 10 dollars maybe 20 dollars and a stamp which saves everyone a lot of time, money and aggravation.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please delete XXXX XXXX XXXX
XXXX XXXX XXXX is reporting a 30-day delinquency on my credit report with Trans Union, that is not correct. I have always paid account as agreed. The account is currently in debt management which has been paid as agreed. Although the account is closed and in their approved debt management program, they continue to charge late fees and monthly annual fees. You will see from the attachment that they have credited back XXXX months of late fees proving the reporting error was made which they refuse to correct.
I keep getting a class from a number who says I owe a debt for a bank account. When I tried finding out information about the debt the man that I spoke to was rude and literally hung up on me, all he said is it was a bank account and would n't give me any details as far as amounts. A few days later I received another call and was hung up on because I explained I was n't comfortable giving out my personal information ( including my social security ). They refused to give me any information, including giving me their mailing address to verify that they are a legit organization so I can verify if the debt was mine. 

I tried researching them to on-line and I was n't able to find anything based on the phone number they called from.
I am four years out of XXXX  school, with about {$190000.00} in student loan debt. XXXX   XXXX  cheated me out of my entire direct loan rebate in the following manner : Using XXXX XXXX XXXX online payment app on XX/XX/2018, I was for the first time presented with the option to " Target Specific Loans '' -- without any warning, fine-print or otherwise, of any potential pitfall of doing so. Grateful for the chance to target my highest-interest loan ( XXXX by default targets the lowest-interest loan ), I allocated my entire minimum payment ( {$240.00} ) towards that loan. In XXXX, I received the first of several letters and e-mails from XXXX XXXX, stating that I was delinquent, had missed payments, and therefore that my direct loan rebate was irrevocably lost. On XX/XX/XXXX, I made an extra payment of {$320.00} in an effort to make up any alleged delinquency, so that XXXX might restore my direct loan rebate. 
I called XXXX on XX/XX/XXXX, requesting that my XX/XX/XXXX payment be reallocated to remedy any delinquency, and that my direct loan rebate be restored. The XXXX representative advised me that he had succeeded in reallocating my XX/XX/XXXX payment, and that he would speak to his superiors about getting my direct loan rebate restored. On XX/XX/XXXX, I called XXXX again to complain that my direct loan rebate had not been restored. The representative told me that it could never be restored. 
I can not be the only student borrower who has fallen into this trap of attempting to target a minimum repayment to the highest-interest loan without any advisory from XXXX XXXX of the perils of doing so, and then irrevocably losing his direct loan rebate, even though he did not, in fact, miss a payment, pay late, or pay less than the minimum.
I am disputing the reporting mistakes on accounts XXXX XXXX XXXX and XXXX XXXX BANK XXXX XXXX XXXX These XXXX accounts are paid and closed but Equifax started reporting XXXX in the month of XXXX 2016 where XXXX these accounts were closed years ago. 

Equifax is seems to punish me for disputing these accounts by reporting XXXX in the month of XXXX 2016. Due to this inaccurate XXXX in the month of XXXX 2016 My credit scores goes down and it is hurting me. 

There is no activity and We can see the difference in reporting in the attached screenshots.
Transunion reports that my account balance increased by {$11000.00} due to a student loan with XXXX. I have always had that loan, so it should not have been reported as a new debt. They knocked my credit score down by XXXX points. They should have not done that.
Equifax is KILLING my credit profile and I continue to have to submit these complaints. They just dinged my credit score for 18 points for a payment account being closed that was closed 3 months ago!!!! My XXXX account has been PIF since XX/XX/2018 why are they just now reporting that??? I need some help with this company cause I cant call them and get help please someone! My Constant issue with them is their delayed credit reporting and yet here we are again, I am trying to buy a home and dont need this mishaps right now.
I have several inquiries from mortgage companies on my credit report with TransUnion each one on there i did not authorize today XX/XX/18 i tried contacting TransUnion to dispute this and let them know i didnt authorize these and they basically told me they couldnt help me and to contact the companies when i said i did already i was told to contact them again, they were no help and very rude talking over me etc and will not transfer me to the fraud department.
I work all my life trying to do the best I can but still ca n't get ahead because credit problem
I have contacted XXXX XXXX in regards to an account balance of {$480.00} seen when I pulled my credit file. i have yet to receive any validation from them and since then the account has been sold to XXXX XXXX who contacted me on XXXX/XXXX/16 with a collection letter. I have sent them a request for validation also and I have yet to receive anything from them also. The collection agencies continue to report this information as accurate but i have contacted both companies as directed and have yet to receive a response so i am unsure how these reporting agencies are accurately validating this clearly wrong information.
I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution. I have 3 inquires from this company. One from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These are from walmart and XXXX XXXX XXXX.
The bank began charging us penalties for no reason ( {$36.00} ) we complained and they admitted their computer was in error, they gave us several different excuses but even though they always have confirmed they have our funds and all penalties are bank errors they refuse us any access to our money until they solve Their problems. After serveral weeks of this and checking on line we discovered this is a pattern with this bank. We feel this will potentually end up another bank scandel. We hope you can help before thousands of more people are harmed.
I submitted a dispute to Equifax on XX/XX/2017 certified with a return receipt. I did receive the return receipt verifying that the dispute was received. The Equifax website has the Dispute confirmation # XXXX, the status still as pending and the dispute date as XX/XX/2017 with and estimated completion date of XX/XX/2017. Today is XX/XX/2017, and I have still not received any response at all, and the status is still showing pending. I have contacted Equifax through their website with no response. The guidelines state 30 days for an investigation, being that the process has taken well over 30 days I would like the items removed immediately.
As of my XXXX XXXX, XXXX, billing statement I have incurred a {$26.00} late fee and also interest charge of {$20.00} on my statement for my Citibank thankyou XXXX credit card. I have my account on automatic payments since I received this credit card, and my personal checking account has been debited every month in the amount of {$25.00} on the due date. I also was signed up with a 0 % promotion when I obtained the card in XXXX of XXXX with no interest until XXXX of XXXX. The customer service agent advised that I have incurred interest charges since XXXX XXXX on my account, and I was not notified of this, as I did not receive any e-mails on my account, nor written correspondence in reference to this matter, nor was I contact about this either. I am being billed fraudulently for interest and also billed a late fee. I spoke with Citibank credit card today and was informed that I never was given this promotion, which, is inaccurate and that my payments changed from autopay to recurrent, which, I DID NOT DO AND DID NOT AUTHORIZE TO MY ACCOUNT. I also did not receive any e-mail notifications to my e-mail address about any changes regarding the above issue nor changes to my account. I have paid my balance in full for the amount of {$3400.00}. I was informed by customer service once the account was up to date in payments, I would receive a credit of my late fee and interest charges accrued.