WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I received a vmail from XXXX XXXX ... she left all types of information on my voicemail the voicemail was stated as " XXXX XXXX my name is XXXX XXXX XXXX XXXX contacting you in reference to your pending case being filed. By Law I have to make you aware that once case XXXX is filed it will become a matter of public record and there is an order of location issued for you. Since I was unable to reach you by telephone. I was instructed to contact the employer and speak with the supervisor as it looks like this is now a place of location to bill your negligence on your end on this case. Now you do have the legal right to contact the filing party that is responsible for handling your case with any questions. However XXXX please be advised once the case is discharged from their office all rights are to be forfeited the phone number listed on your paperwork to contact their office with any questions is XXXX XXXX XXXX you have been legally notified by telephone and i will have you located unless I am told otherwise. Good Luck. '' You cant contact people like this and what if that wasnt my voicemail.
XXXX is still reporting a delinquency which is more than 7 yrs old and will not change their reporting status after multiple attempts through the credit reporting agency. The original delinquency began XX/XX/2009. they are a 3rd party collection agency and began their reporting when they took over the loan, which is incorrect. Per the fair credit reporting act, they are supposed to start reporting from the original delinquency date. Therefore, this reporting would not be on report because it is beyond the 30 day reporting status. Included are the documents stating the actual date and the credit report showing their reporting date. The credit reporting agency said they cant make them report correctly but that it was illegal. I have sent the same information to the credit reporting agency but to no avail. Please help me, to confirm they are incorrect in their reporting so I can clear this off my credit report.
There is a Home Depot credit card reporting on my credit report. I have never applied for this credit card, and I have never signed anything or authorized this account to be opened. As soon as I found out that this account was reporting on my credit, I immediately contact this business and had it closed.
XXXX / XXXX /   2016   XXXX / XXXX /   2016   XXXX / XXXX /   2016  Are all dates that disputes to Experian have been sent out - Not once has the disputes been resolved or responded to in a timely fashion. These accounts do not belong on my file and I have submitted numerous times to have them removed.
On XXXX XXXX, XXXX, A promotion for XXXX XXXX XXXX card was referred to me. The offer was XXXX points for my referrer and XXXX points for me after completing the spending requirement. 
On XXXX XXXX, XXXX, I applied the card via referral link and approved. 
I finished the spending requirement by the end of XXXX. Upon the completion of my requirement, my referrer got XXXX points bonus. However, my XXXX bonus has not been awarded.
I make 12 mortgage payments per year to Wells Fargo. I pay a day or two early to be sure they are received on time. These payments are scheduled and automatically sent by my bank ( XXXX XXXX XXXX  ) to Wells Fargo every month. These facts are not in dispute with Wells Fargo. 

I received an escrow analysis for XXXX indicating that my escrow balance was projected to be too low at some point in the year and I should therefore pay a little more to make sure the escrow balance didn't get too low in XXXX. However, that XXXX escrow analysis is based on only 11 payments in XXXX. They show zero escrow payments for XX/XX/XXXX, but estimate the correct amount for XX/XX/XXXX. The end result is that the estimated escrow balance for the start of the XXXX analysis period is one escrow payment ( {$840.00} ) short. 

I have spoken to 4 different people at Wells Fargo ( XXXX ) since receiving the statement on XX/XX/XXXX. The last two are XXXX XXXX at extension XXXX and XXXX XXXX at extension XXXX. They all tell me that they have 11 payments for XXXX in the escrow analysis because I pay early. So when the statement was run, they hadn't received any money in XXXX. I pointed out that they receive 12 payments and therefore they need to perform the analysis based on 12 payments. They acknowledged that they will receive 12 payments in XXXX and they are received a couple of days before the payment is due, but they are sticking with the analysis based on 11 payments. 

This approach to the analysis is either incompetent or malicious. XXXX told me that I have escalated as far up into Wells Fargo as I can so I am now asking for your help to intervene.
I agreed to a settlement payment on an old debt and was led to believe by the collector if I accepted the settlement and paid quickly, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact on of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. 

Original Creditor : XXXX Debt Owner : XXXX XXXX XXXX Debt Collector : Enerson Law, LLC Original Balance : {$9700.00} Agreed to settlement : {$5300.00} Paid on XXXX/XXXX/2016
On the evening of Tuesday XX/XX/2018 I received a warrant-in debt notice to appear in XXXX District Court one ( 1 ) business day later. The warrant-in-debt concerned a long resolved 6-year old XXXX  bill. XXXX XXXX represented the XXXX  as a bill collector. I called the clerk of court and explained I was not served within the time set forth, the debt was not owed and I wished to contest the matter. Additionally, I explained it was not physically possible to travel to XXXX, VA given one days notice. The clerk of court explained that I would need to arrange an equitable date between XXXX XXXX and myself. I called XXXX XXXX on that day and explained the debt was contested and that I intended to appear in court, given a proper notice. Mr . XXXX offered the date of XX/XX/XXXX, and I accepted. He informed me I would receive a notice confirming the date with a certain time to appear. The call was recorded by me after accepting Mr . XXXX consent. Today I received the attached letter informing me that a default judgement was entered against me and my son. The clerk of court stated to me today that there was no record of XXXX XXXX requesting the court continue the matter for any reason. He also did not inform the court service was not effected, or that XXXX XXXX and I had agreed on a future date. Further, XXXX XXXX obtained a default judgement against a XXXX year old child, after having been informed by me, and evidenced by payment from XXXX XXXX and XXXX XXXX that the payment had been received for all services received. Mr . XXXX client, XXXX XXXX, currently is being investigated for insurance fraud. Because Mr . XXXX client attempted to perform advanced dental services that he was not capable of performing, my son required extensive XXXX  XXXX to recover from the attempt. This is a well-documented event by all, and XXXX XXXX and I settled this issued over six ( 6 ) years ago, thus making this sneaky action by Mr . XXXX more egregious. Our family finds his behavior highly unethical.
Electronic funds was deposited into my account. A monthly stipin from the department of treasury from the Veterin Affaris ; this is government issued pay ; not earn income. The first stipend from the VA includes back pay ; {$XXXX} ... ; going forward it will be {$XXXX} ... This money is suppose to be protected/expect from guarnesment. The moment the money was deposited in my account the same bank stole it to pay off previous credit card debt that was written off by the bank. This will cause financial hardship if this money issued back to me. Please help ; my and my family livelihood is relying on this money.
Equifax is not responding to any of my requests to investigate, verify and remove XXXX accounts from my credit report that do not belong to me.
These are errors:Addresses:XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXTelephone numbers:XXXX XXXX XXXX
Our mortgage company ( Provident Funding Associates ) withdrew funds ( {$410.00} ) from our escrow account and made an annual HOA premium payment to another customer 's insurance company ( XXXX ). Furthermore, Provident Funding Associates failed to pay our annual HOA premium on time, which resulted in our homeowner 's insurance company ( XXXX XXXX ) issuing a cancellation notice of our policy. When we called to ask that the {$410.00} be returned to our account, Provident Funding Associates told us they could not return the funds until they received a refund from XXXX for the payment that Provident Funding Associates made in error. We also asked them to pay the HOA premium ( {$540.00} ) to our insurance company ( XXXX XXXX ), which they did from additional funds they withdrew from our escrow account. Our escrow account is currently deficient {$410.00} because Provident withdrew funds without our authorization. We are requesting that the {$410.00} that Provident withdrew in error be deposited immediately to make us whole.
I have a sterling inc account with bot Kays and Jareds for almost 2 years with no missed payments in this almost 2 year time frame.I was in a Jareds store and trying to do a purchase for a ring which was said to be a layaway on this ring, So the associate updated my address and called Jareds and did a unauthorize pull of my credit also.My Jareds account was closes which I was find with.So upon going to Kays store to purchase my husbands anniversary ring, I was told my Kays account was closed also.So the store called and they said it was due to high balances on other accounts, but I have had high balances when the account was open .I have also noticed in many of the sterling inc stores which I visit locally and in other states there has kind of been some discriminating from male associates and managers ever since this lawsuit came about for the sexual discrimination among the company as well and feel this has now reflected back to the female customers in some ways or others, because I have seen it with other consumers while i these stores.I have also noticed Sterling inc adds on protections plans with consent from the customers as well.Cause I have denied it several times or more and found it was added on anyway to my account, but it was adjusted.I didnt bother filing a class action at that time and have remain a loyal customer with good payment history anyway.Maybe I should have not been so nice, because I seemed to be getting treated unfairly in many ways and feel part of it is due to the current suit against sterling inc for discriminations against women.
It appears that someone in XXXX has used my name and possibly social security number. The claim is stating that I owe XXXX XXXX for utilities not paid. 

I have never lived in XXXX and at the time of the claim I was living in Alabama.
I was charged XXXX dollars for a chance to refinance my mortgage by quicken loans. They accessed my credit twice which had an adverse on my credit account .I was denied my mortgage and a refund. They told me that if I paid them XXXX XXXX dollars they would give it to me. They laughed at me when I said I did n't have the XXXX XXXX dollars. I would like a refund. please accept this as a formal complaint by me. I am mentally XXXX and live on a fixed income. I may be able to provide supporting documents if I am able. Quicken loans is in XXXX michigan
I began attending a class at XXXX XXXX which was to be the final course for my degree ( s ). At week 5 of the course, only 1 assignment had been graded, which was a discussion board assignment, for which I only received 50 %. This has absolutely never happened throughout my entire college career as my discussion boards are always graded very high, usually at 100 %. I reached out to the instructor to inquire as to why I had been graded so poorly so that I could make improvements in the future. I never received a response. I further inquired as to my standing in the course as none of my other work had been completed either. This communication was not responded to either. I then called XXXX XXXX directly. The lady who answered transferred me to a voicemail, and that message was not answered. Due to these circumstances, I did not continue attending. XXXX is now attempting to hold me liable for the balance from this term and has sent my account to a collection agency, T-H Professional & Medical Collections. 

In XXXX, 2018, I contacted XXXX and informed them that I wished to formally dispute this account due to the above stated situation. Their version of an " investigation '' included obtaining a detailed billing from XXXX XXXX and speaking with XXXX to verify that XXXX believes I owe this debt. This is not an investigation. The mere fact that XXXX asserts that I owe this debt does not make it valid. The FCRA requires that the credit reporting agency VALIDATE a debt as accurate prior to reporting it on a consumer 's credit report. This burden has not been met by merely asking the original creditor whether, or not, they wish to continue collection on a debt.
XXXX XXXX XXXX account charged off in XXXX, in luieu of checking my credit report in XXXX XXXX I wrote each bureau to remove account because of statue which has been over 7 years, In turn XXXX and XXXX deleted it and blocked XXXX XXXX XXXX from being able to re enter information..But Transunion allowed the bank to create a different account number and put fradulant activity on the account as if it had been charged off in XXXX.I filed complaint with XXXX Then Transunion deleted the account then reinserted it, Transunion reinserted and delted the account several times, I spoke with a rep at transunion that said everytime they deleted it they allow the Bank to come right back and update it or re enter.I am still fighting this I wrote Transunion several letters and ask that when they delete XXXX XXXX XXXX block them from my credit reports just as XXXX and XXXX did.Transuinion has violted the FDCA a charge off account can not be updated or reaged after 7 years..Transunion has deleted XXXX XXXX XXXX several times and reinserted because they allowes the Bank to do this what kind of sense does this make..I am humilated, my name and character has been defamed by Transunion and my rights of been violated
I have 2 major complaints : 1. FedLoan Servicing has been extremely unhelpful and unwilling to communicate with me about deadlines, re-certification processes, and times when they decide to charge me interest capitalization. 2. FedLoan Servicing is suspiciously and illegally handling my payments toward interest and not my principal balance. I started paying on my federal student loans on XX/XX/XXXX. I made every payment on time for the full year I was on the ICP plan/IBP plans. Then I was " informed '' within the websites portal in a hidden message center that I needed to re-certify my ICP/IBR plans. No e-mail, no phone call, nothing! By the time I saw my payment magically go up it was too late, I was now locked into a higher payment plan and got charged with a " interest capitalization '' fee. I also got a capitalized interest fee for missing this window and when I re-certified for another ICP/IBR plan. ( Interest on top of interest, on top of more interest! ) This completely wiped out any progress that I had made and it was now even harder to make payments. From XX/XX/XXXX to XX/XX/XXXX I made consistent, even increasing payments, on-time! Then I get nailed with another interest capitalization fee because I 'forgot ' after being responsible for 2 years to re-certify and never getting reminded by fedloans servicing! I got hit with two interest capitalization fees again and the 2nd fee was 5x higher than the first fee even though I made a large payment inbetween these fees to pay off all of the interest, it 's insanity! Now, I am back to making regular payments and getting no where. I have NEVER missed a payment and that is exactly how my credit history is, no missed payments EVER in over 10 years of credit and yet I am treated like this.
The 2nd complaint, which I briefly mentioned in the previous section, is that Fedloan Servicing is not handling my payments correctly. They are not paying off principal and are forcing me to pay interest as much as they can. For instance, from XX/XX/XXXX to XX/XX/XXXX I made consistent, on-time payments of {$240.00} except for one month where I paid {$230.00}. During that time, I only paid {$320.00} on principle and paid {$2300.00} in interest!!! The weird thing is that once I started paying on principle on XX/XX/XXXX, you would think that I would slowly start paying more on the principle, but no it would randomly fluctuate! I would pay more on principle, then less, then more, then less. That just does n't make sense, something weird and illegal is going on. Please help me, there is no way that I can pay this off anytime soon unless I start making another {$50000.00} a year or hit the lottery. Plus, I am a responsible person who has a good job and is making constant payments on time, and I still ca n't pay it off. There is something seriously wrong with this picture! Get this, after 3 years and 8 months of " paying '' on my student loan of {$40000.00} I have made zero progress on my loan. In fact, it has gone up in cost by a couple hundred dollars!!! > : o
Wells Fargo was hit again with XXXX in fraud accounts again. I received in the mail on XXXX/XXXX/XXXX a letter from Wells Fargo letting me know about my new account with them. I have attached the pages from the letter for you. I called Wells Fargo three times once on the 26th to tell them that is not me and they told me it is a fraud account. The fraud dept. will contact you on Monday. I called again on Tuesday because they did not call me on Monday and again I was told they are in the process and will contact you on Wednesday. I called Wells Fargo again on Thursday XXXX/XXXX/XXXX still not heard from anyone at the bank. Again Wells Fargo said sorry that they will contact me end of week. The first time I called they gave me a case number # XXXX. I am getting the run around with Wells Fargo and I believe because they are the one 's who opened up this account.
A collection account appears on my credit report. XXXX XXXX Account # XXXX. The first report of the delinquency was XXXX and 7 years have now passed which according to the FDCPA, the collection account should have been deleted from my credit profile on XXXX XXXX. It still appears on my credit report and the credit bureaus are refusing to remove it.
I wanted to get money from XXXX of my checking accounts, some in cash and some in an official checkI provided identificationI was told I needed to pay {$4.00} to be provided with a check before paying more money for the official checkI had no problem paying for the service of receiving an official checkI told them I did n't need a check, I just wanted access to my fundsThey said I would have to pay if I wanted access to my money in a checking account, although I could use a withdrawal slip and pay nothing if I had a savings accountTo make the foolishness continue, I said I would open a savings account, transfer the money into it, withdraw it, and close the savings account if that was what they wanted since it would be free. 
Waited on the line to open a savings account and was told I would n't be able to draw on it since the funds would n't have cleared. The clear funds in my checking accountSo I tried to close my checking accounts. They would n't let me do that since I still had a direct deposit that would be coming through before I could get it cancelled. They would n't allow me to set a future date to cancelHow can it be legal for them to refuse me access to my funds without a fee? I just wanted ( some of ) my money? They had withdrawal slips, they just choose to make them savings accounts only.
My complaint is regarding your settlement with XXXX. We were issued a refund check on XX/XX/2016 but it was sent to a former address. We became aware of the check for {$410.00} but the check stated that it was only valid until XX/XX/XXXX. I called the number on the check and asked that the check be reissued. They stated that they gave me until XX/XX/XXXX to cash the check and since that date passed, I was no longer entitled to the money. I did n't see anything on that order that limited the date for payment. In fact, I think most states require such money to an Unclaimed property fund.
Coinbase.com, who also owns XXXX froze my account on XX/XX/XXXXafter a payment was reversed for cryptocurrency I was trying to buy ( picture attached ). The original Coinbase reference code to this issue was XXXX.

I reached out to customer service to have my account unfrozen after the failed transaction would taken care of and was quoted 5 business days to get it fixed. I have had absolutely no information from Coinbase since the date of the issue and absolutely no contact sinceXX/XX/XXXX.

After absolutely no contact, I reached out to try to have my case escalated and it was apparently " escalated '' after having no contact well past the given timeframe.

I have called Coinbase directly 10+ times and given absolutely no additional information or support, and told there is absolutely no supervisor or other person I can talk to beyond the customer support agents that pick up.

My Coinbase and XXXX  accounts have been locked with funds in them since XX/XX/XXXX. I have experienced a HUGE opportunity cost because my entire portfolio is frozen and I've been given absolutely no options or support - they also refuse to give any sort of timeframe to resolve this.

At the time of writing this, they have held my entire portfolio for 45 days with absolutely no contact and refusal to offer me any solution when I contact them.
Fed Loan Servicing put my loans in deferment. I never asked my loans to be put in deferment. They intentionally put my loans in forgiveness in order to extend the loan repayment period. I have been paying my loans every month of over two years now and I never wanted my loans to be in deferment. Fed Loan Servicing is intentionally putting my loans into deferment in order to to extend the loan repayment period. I never wanted my loans to be in deferment. Fed Loan Servicing put my loans in deferment about three months ago which I never asked for. Fed Loan Servicing needs to retroactively return my loans to normal repayment status back three months. There should n't be a deferment period in my loans as I never asked for a deferment period. Fed Loan Servicing is intentionally trying to extend the repayment period on my loans by putting my loans in deferment which restarts the clock for loan repayment.
" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
This company claiming to be First Recovery contacted my ex-mother-in-law saying I owed a debt and gave her a claim number. I looked up this company and found that these are scammers trying to collect money. First Recovery is actually a health care company yet these people are portraying themselves as a debt collection agency.