WillisBack/dataset-financial-user-claim huggingface dataset:
I have been contacted incessantly and at all hours by various representatives of Alltran Financial LP. They state I " owe '' {$2200.00} for a " judgement '' to XXXX on behalf of XXXX dating back to XX/XX/2011 but offer to " settle '' it for {$1600.00}. I do NOT owe Alltran Financial LP, XXXX, XXXX nor anyone else they claim to represent ANY balance! I have asked repeatedly for written proof of a valid debt and have yet to receive it. In addition, my numerous requests that they CEASE & DESIST from contacting me other than in writing have been ignored.
We purchased a  XXXX   XXXX   XXXX  in   XX/XX/XXXX  f or {$11000.00}. Due to impending divorce, vehicle was voluntarily given up to creditor. Last payment made to creditor was on   XX/XX/XXXX .  Balance on vehicle at this time was {$7500.00}. Creditor sold vehicle for {$3700.00}, leaving a balance of {$3800.00}. My Ex husband, who was the primary signature on this note, filed for bankruptcy.     The original  Creditor sold th e debt to  Creditmax , Inc in   XXXX   XXXX , IN. However, I never received a Writte n Validation Notice  from this company at the beginning of their debt collection process.     I n  XX/XX/XXXX  I  was summoned to Small Claims Court and a Judgement was issued for {$4900.00} ( see attached ) I was summoned aga in in  XX/XX/XXXX  for  a supplemental hearing. I was a  XXXX   XXXX   XXXX  at this time with no real income.   Fast forward   XX/XX/XXXX ,  I am working as a   XXXX   XXXX   XXXX   XXXX   and receive notice of a garnishment from Attorney  XXXX   XXXX , who is in house counsel f or Creditmax  . The debt is now an inflated {$6100.00}, to be garnished at 25 % of my earnings. I did attempt to make payment arrangements with Creditmax , Inc. for {$50.00} out of each paycheck, but I was denie d, stating that the debt was too old.   I also attempted to file bankruptcy, however, I did not have enough debt to be eligible to file.  Plus, it would have cost {$1500.00} or more to file. As a     single mom, I struggle just to make ends meet, so this has truly caused me financial distress.      As of today 's date, my employer has garnished the {$6500.00}, with the last payment being sent to  Creditmax, Inc  on   XX/XX/XXXX . T his is alread y   XXXX   XXXX  more tha n the mount in the garnishment order.   End of story, right? No!! My payroll department contacted m e on  XX/XX/XXXX  to in form me that  Creditmax, Inc has re quested an additional {$390.00} in accrued interest.     This type of collection process has to stop! How this is even accepted practice, boggles my mind. Maybe if we change some of the regulations, it would be more feasible for consumers to pay their debts.
I have 4 accounts that are past 7 years old and a collections co took out a rit on me and says I still need to pay. They even said they were going to garnish my wages. it has been past 7 years. Can they do this?
I have been trying to get clarification about how many qualifying payments I have made toward my 120 payment goal with XXXX XXXX. They last told me I had made -- 3 -- payments that qualify!!! I have made well over -- 30 -- payments and they are not accepting most of them and saying that I was not in a " qualifying loan '' which is HORSERADISH. They simply do not want borrowers to ever repay their loans.
Bank of America ( BOA ) sent credit card bill via email and I missed seeing it in mid XX/XX/XXXX. I also thought I had closed the credit card in XX/XX/2017.

BOA sent a subsequent credit card bill via email and I followed up to find out what the charges were and to make sure the account was closed via BOA customer service ( early XX/XX/XXXX ). The {$12.00} bill was paid and then BOA closed the account. I thought all would be well but there is more I was notified around XX/XX/XXXX via a XXXX  alert that my credit score had dropped 110 points due to a delinquent account. I subsequently confirmed it was this BOA credit card. 

I sent an email to BOA asking for an investigation and to see if they would remove the report for the late payment/delinquent account to the credit bureau on XX/XX/XXXX. On XX/XX/XXXX, XXXX at BOA informed me that the payment was late ( true ) but that there would be no forgiveness on their part. 

Request : Given my credit history and I believe not a single late payment in the last seven years and perhaps longer, I am asking for the CFPB to ask BOA again to remove the reporting of a late payment from my credit report given the small amount. I realize that BOA does not control credit scores but a late payment on a {$15.00} credit card bill should not cause a credit score to drop by 110 points.
The card XXXX XXXX XXXX  card with Barclays refuses to close an account I have with them. I have called them twice to get the unused card closed, the second time they claimed I was late in paying some kind of fee they created on the card after I told them to close it the first time in early XX/XX/XXXX. They promised me they would take care of the fee and would close the account properly after I called them a second time in late XX/XX/XXXX. 
I am still receiving emails in XX/XX/2019 from the company about a currently active account with my name attached to it from them.
I called up my mortgage company back in XX/XX/2017 because i wanted to get an appraiser to show my LTV is under 80 % so I don't have to pay a PMI on top of a high monthly mortgage but they did not let me. They said the only way to to take off a PMI was to give them like {$50.00}. I did not pursue it because I did not know about the CFPB. I just found out about it today when I sent in a complaint with the CFPB because my mortgage company charged me PMI twice in 1 month. I never look online so I would have never noticed the charge and for all i know i could be charged every month 2 times without my knowledge. I only looked online because my mortgage company sent me a letter in the mail a few days ago that my mortgage is going up from {$3300.00} a month to {$4700.00} and I called to complain that how in the world can you send such a letter raising my mtg 40 % from 1 month to the next month without some type of information how I can get help to pay such a high mortgage. Why am I putting my trust in a bank that does not understand the consumer. Are they willing to take off the PMI perhaps? NO, they are not but they are definitely willing to charge me a PMI twice in 1 month which i just happened to catch them doing.
I was in the hospital for 5 months. I surrendered the vehicle to Chase for inspection per bank instruction for inspection. I was told after the vehicle was inspected that I would have an opportunity to bring the account current. Once the account was brought current I could take possession of the vehicle. I was prepared to bring the account # XXXX the day I surrendered the vehicle a XXXX. Chase never gave me an opportunity to bring the account current as agreed. Chase plans on auctioning the XXXX without notifying me or giving me an option to purchase the vehicle at a fire sale price reserved for their cronies. This practice is an act of bad faith and should be deemed illegal. Chase 's number XXXX. all state towing who confirmed the arrangement XXXX XXXX.
After 3 attempts, I have attempted to remove the " dispute '' status information from my credit reports. Time and time again, after speaking to customer representatives from XXXX, Experian and XXXX, I was told the dispute comments would be removed ( since I'm no longer disputing the information ). I do not know what else to do, since the credit reporting agencies continue to place the accounts in dispute, after I have told them to permanently remove it ( as I'm no longer disputing the status of the accounts ).
Wells Fargo has granted a temporary payment relief for XXXX month. Due to XXXX XXXX hitting Texas, devastating and flooding XXXX completely, preservation of life is currently the highest priority beyond anything else. The entire city, region, and vicinity is under water. Just take a look at any national news covering XXXX XXXX. Mail will not even be able to arrive to our house for probably weeks. I do not think I will even get the next Wells Fargo XXXX XXXX bill because of the flooding and the possibility that mail is completely drenched in flood water. Currently, it is impossible to return to work, get to and from grocery stores, or even be able XXXX XXXX to a hospital in the event of an emergency. Even if water recedes, in a couple days to weeks, or even months for some areas, it will be time before normal day to day activities will even begin to possibly resume. Both me and my co-signer are completely devastated and need time to manage the preservation of necessities to get Wells Fargo their money. I am sure Wells Fargo understands the devastation occurring in Texas all the way in XXXX XXXX, or wherever their headquarters are.
There was an update on an address that was just updated and its not mine I want it removed and investigated
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I submitted a request on the above dates to validate the debt I included the verbiage : " I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. " No information was ever supplied to me it has been almost 6 months
XXXX XXXX XXXX, LA XXXX Franklin Collection Service XXXX XXXX XXXX, MS XXXX Account Number # XXXX Dear Franklin Collections, I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to nd any documentation of any contractual relationship between ( name of company ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verication or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certied copy of an original contract, with my signature, specically naming your company as a person entitled to enforce a commercial claim against me. Certication can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( name of president ) and ( name of company ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will le a complaint with the Attorney General and Federal Trade Commission, and le a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the State Bar Association and Professional Liability Fund for code of ethics violations. Sincerely, XXXX XXXX
I know that my rights are being violated. I 've been disputing accounts that I know are either inaccurate or do not belong on my credit report and not only am I receiving statements that these have been " verified '', but my proof of said inaccuracies are being ignored. 

I 'm sending proof to Equifax that they 're reporting accounts that are listed as " unknown medical collections '' and they have failed to verify, identify or remove them. How are they legally verifying these accounts without having the identification of the creditor? It 's my right to dispute with the creditor directly and if they are refusing to provide that information, then that is a clear violation. Not only that, but one of the accounts were removed and then reinserted without any notification as required per section 611 of the FCRA. ( see attached letters which explain everything ). 

I 'm perplexed as to why I 've received statements that there will no longer be any investigation into accounts that I know do NOT belong to me. Per Congress, the CRA 's can not just state that the creditor said that the name, date of birth, address and social security number match mine. That is not legal verification and the only form of which would be firsthand knowledge - having the docs in their possession. If they had that information, they would have sent it over to me inconsideration of the fact that I 've been disputing these since XX/XX/2016. I either need to see the documentation or they need to be removed, as the XXXX do not belong to me. The only items that allowed to be on my report are those in which there was an agreement to pay or owe the debt. I did not owe to pay or owe these debts and they need to come off immediately.
I signed up for a Frontier Airlines XXXX XXXX through Barclay Card XX/XX/2015 for a promotional offer of XXXX frequent flyer miles. I paid the required annual fee and met the purchase requirements of the offer. Over several months I contacted Barclay Card regarding the miles. It was acknowledged that I had met the requirements of the offer. I was told several times to expect the miles to post to my account. On XXXX/XXXX/XXXX I was again told that the miles would post to my Frontier account within 30 days of a letter posted to me dated XXXX/XXXX/XXXX. They still have not posted and today I closed my Barclay Card. I requested that the annual fee be returned as I was not provided the XXXX miles. I was told by a supervisor that that was not possible.
I C SYSTEM is showing up on my credit report stating I owe {$260.00}. there is no contract or anything on file.
I was out of country between XX/XX/XXXX and XX/XX/XXXX.

My credit card started being charged for fraud charges and I reported these charges to chase. I advised chase that I am in XXXX and I have not many any transactions while here.

Chase at first credited my account then 2 weeks ago took back the credit stating they think the charges are valid. I have filed a police report and have done everything on my end to prove that Noone on my account made any charges we were in India for the past 4 months.

I have attached a copy of the police report and want chase to credit my account back for the fraud charges and the interest incurred
Hello, I used Western Union ( WU PAY ) service to send money to XXXX for emergency on XX/XX/XXXX. I call WU on XX/XX/XXXX to see if they got money from my bank yet and they said due to technical issue so they have not received the money yet. I called my bank company to check if my money has been sent to WU and I was told that money has sent to WU. I called WU pay back and explained to them and was told to call back in 24 to 48 hours to check the status of the money. I called them back daily after the XXXX and until the XXXX I got an email like this : " Your payment was received on XXXX. We sought the assistance of our escalations team to allocate your payment to the order. We had a technical issue that was identified and in the process of fixing it. We will notify you once response is receive. We do apologize for the inconvenience. " I called them right after the email on the XXXX and was told my transaction has been cancelled and I will receive the refund within 3-5 busniness days. I questioned them why did not they notify me about the cancellation and the answer was : " you did not receive an email from us yet? I am so sorry if you did not " Today is XX/XX/XXXX and after spent 5 hours of talking, waiting from dept to dept I still have not received my refund yet.
I have XXXX as my student loan servicer. My loans were orginially under XXXX, but were transferred once I submit the public loan forgiveness employment form and was deemed eligible to enroll in the program. My loans were transferred on XX/XX/2018. I called them in XXXX to follow up on my payments that had been made under XXXX since the employment form clearly showed I made eligible payments. They told me it would take until XXXX to verify everything and credit it to my account. I called XX/XX/2018 and was told they could not release any status information. They said they were backlogged and it could take months. I then spoke with a supervisor who confirmed that they could not release any information, but to continue to make payments on faith that everything would be sorted out. I have never missed a payment, have automatic debit, and I can not get any information on what payments have qualified. They are very difficult to deal with and it is unacceptable that payments I made a year ago have not been credit to my account for the public service loan program.
XXXX, XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My XXXX XXXX has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get XXXXredit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 



Waiting for a Reply, XXXX XXXX XXXX
Our loan started out as a revolving credit line, but then matured into a mortgage some years ago, a second trust deed secured by our home. On the date of its maturity, the bank cancelled the associated credit card and precluded any further credit charges. The loan was converted from a credit line into a mortgage as far as usage and loan servicing is concerned. So far, everything as we agreed. 

The problem is that the bank is refusing to change the loan category to a mortgage. With the loan reported in its obsolete pre-maturity form as revolving credit, the credit reporting agencies add the outstanding principal to our credit card debt, artificially inflating our debt-to-income ratio. This is ruining our credit, preventing us from refinancing this mortgage or any other mortgage. According to XXXX, the bank could switch from reporting this as credit card debt to mortgage debt with a simple and quick setting changeWe are requesting that you compel the bank to make that setting change now, and report what has matured into a mortgage as a mortgage. 

Please note that we are not asking any of the data reported about the loan to be changed, only that the bank stop characterizing it as revolving credit so the credit reporting agencies reclassify it with our mortgage where it belongs. As far as the loan itself goes, all payments have been made on time throughout the history of the loan.
I have an accont with bank of America, and I lost my phone and debit card. in the process my art was used. I reported the loss to my bank, and advised them that all of my passwords and information was stored in my phone so the charges that were used with my PIN number were not mine. The bank advised me that they would place all of it in the notes to review my claim.They then denied my claim stating that because my pin was used it was not a valid claim, EVEN though Advised them my pin was stole along with all of my other important information during the original report. They did n't call. or mailer send any mail to advisement of this, I had to find out on my own. nThey said they would resubmit the claim but it will take up to 90 days when it has already been XXXX plus days. I am a single mother and use my sons social security to help pay for his daycare and the XXXX dollars that I submitted my claim for has caused my account to be in the negative for too long causing my all of my money to be tied up into this claim, due to bank of America not taking proper notes or following the law when it comes to proper time lines.
Had no idea I owed the Debt Collection Company any money for an apartment that I rented. When I moved from the apartment I owed no money to the apartment complex. Balance of {$830.00}. The apartment company attempted to collect money of which I do not owe, never presented me with a full break sheet showing me why i owe the amount.
The company Home at five and seventh ave bought are one company. They bought had XXXX separate credit card bills on my credit report. I called to see what was going on before I had never even received a catalog or anything from them I did not even know who they were. When the representative answered my call she explained to me that they had sent catalogs to my old address from when I was a child, I had not lived there in about 10 years, but my mom still stayed there and her name is also XXXX so, I explained to the company that it was my moms credit card not mine they had put it under the wrong credit report. From that day I have been trying to get the company to take the credit cards off my report but, they refused I have also disputed them several times. They are refusing to take it off my report even though my license even says I have n't lived where they sent the catalogs. but my mom did
I have submitted a bona-fide, duly recorded Deed/Title to your division contained in my complaint packet, but your agents continue to perjure themselves by saying they have not received it. I can prove the mail arrived at your XXXX, Iowa location, with the correct address ; but, you refuse to acknowledge the mailing, and therefore have committed mail fraud. Tampering with the mail is a federal offense, punishable by fine and imprisonment. The US Postal Service has confirmed that my letter of complaint reached your mail room. You are shielding criminals, and therefore acting as their messenger ( s ). Your Director, XXXX XXXX, will answer to his Senate Critics for this. Your Bureau is shallow, shady, and needs not only to clean up its act, but to be disassembled and reassembled. I will not rest until the world knows that your Director is in bed with XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX and partner in crime XXXX XXXX, XXXX XXXX of XXXX Bank and XXXX XXXX of Ocwen Loans. All of your are guilty of suborning perjury, obstruction of justice, and violation of the Dodd-Frank Wall Street Act. This will all blow wide open, and I hope all of you end up in prison!
I currently use Paypal to operate an eBay business. This business is an XXXX. Paypal has the businesses XXXX ID number, the bank account number, and access to my eBay account. Currently they are withholding over {$2800.00} in sales based on their {$3000.00} base limit for new accounts. However this account is n't new. It 's 3 months old, shows over XXXX transactions, generated over {$12000.00} in sales, and there is 100 % good feedback. The issue is Paypal refuses to release funds where the product has been paid for, shipped, and received. Instead there is a 21 day hold on all transaction after the initial {$3000.00}. This causes an enormous amount of stress for my business with its ability to purchase more inventory and to continue to build. I 've tried to talk to many representatives at Paypal and they pretty much say " Oh well ''. 

There is no reason for my business to be treated as a individual. Even a bank only has a 14 day hold on checks and that 's generally random and does n't happen too often. I would like my funds released so I can build my business, buy more inventory, and generally cover my operating costs.