WillisBack/dataset-financial-user-claim huggingface dataset:
Frederick J. Hanna & Associates , P.C . Attorney XXXX XXXX XXXX filed a Civil Action against me and was awarded a Judgement because they falsified the Affidavit Of Service stating XXXX XXXX XXXX served me the Summons by serving my wife. I 'm not married and was not living at the address where they claim the Summons was served. The date of service was XXXX and I moved from the resident on XX/XX/XXXX as documented in the enclosed attachments. The Plaintiff was awarded a Judgement of {$2400.00} plus attorney fees, interest and court costs. The amount is now {$4400.00} and a Judgement on my credit. As result of the Improper Service of the Summons, I was unaware of the Civil Action against me and did n't have the opportunity to defend the charges against me.
It was my daughters loan originally. She stopped paying & since I am the co-signer. I took over & agreed on an amount ( {$120.00} ). It was all I could afford. The loan was XXXX XXXX originally. Then Navient took over. A year after my agreed upon amount was made, they doubled my payment & have been over charging me ever since.
Scam collections attempt. Shady business practices targeting the ignorant. 
Received a debt collection from Northland for Creditor XXXX XXXX XXXX Northland Reference # XXXX Creditor XXXX Creditor Account # XXXX Account Balance {$25.00} Dated XXXX XXXX, 2015 Northland Group XXXX Inc member of XXXX XXXX XXXX XXXX, NJ XXXX This is the first notice from this debt collector. The amount owed is supposedly {$25.00}. The notice states that it is for a returned check. 

I immediately called XXXX to verify this nonsense. XXXX the initial account rep and his supervisor XXXX ( XXXX case # XXXX ) verified I have never had any debt, late payment and/or any returned amounts. I have also verified this with my bank searching as far back as 1 year of bank statements. Additionally, this letter was dated XXXX XXXX, 2015 but indicates absolutely no specific date of occurrence or even suggests a date range. 

I find it shady also, that the pre-determined address selections in XXXX complaint process for Northland Group : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN Main Billing Complaint Mailing are not even related to what is on the actual mail I received. 

Another fly-by-night scam operation targeting the ignorant. 

Seems as though the XXXX Personally Identifiable Information ( PII ) leak has lead these XXXX collections scam artists to attempt and collect from those not so wise to their games. 

Northland had replied to a XXXX compliant ( XXXX Case No. : XXXX ) I filed, stating the exact date, time, items and amount of purchase being that of {$36.00} on XXXX XXXX, 2015 at XXXX. However, this transaction does not take place on my bank account on the specified date but on XXXX/XXXX/2015 and it does not reflect an issue of payment. XXXX also has confirmed that this was not a failed ability to pay. This leads to one fact, if I had not called and verified with XXXX, checked my bank account, or filed a complaint with XXXX, Northland would have gladly took my money and more. 
Bottom line, somehow Northland is collecting false data from various vendors, or XXXX is leaking information to collections on false pretenses. Either way, if I had paid Northland like so many others had, I can only imagine how many false collections have lined the pockets of these scam artists over the years! On XXXX sides, Northland and XXXX, should be immediately addressed on this matter and dealt a swift punishment. Additionally these companies should be required to compensate those that have ignorantly paid.
I lost my card on theXX/XX/XXXX, reported it stolen on theXX/XX/XXXX after checking my online statement and seeing someone was using it. When I went to the bank to close the account, I filed a dispute for the claims that I didn't make and the banker told me the account would be frozen and closed after the investigation was completed. About a week later a total amount of {$1600.00} was reversed on to my old account and I was told by three different bankers that a check for that amount was being sent to my home. As I patiently waited for the reimbursement check, I opened a new checking account with the financial institution. I received an insurance check in the amount of {$3700.00} on about XX/XX/XXXX for a car accident I was involved in on XX/XX/XXXX to repair my car. A few days before my car was scheduled to be released from the shop, I noticed that {$1100.00} was withdrawn from my new checking account due to rejection of my claim and I still hadn't received the reimbursement check of {$1600.00} that I was told about on multiple occasions. I went to multiple branches of the bank, spoke to many bankers, and people in their claims department over the phone and nobody could give me a definite answer to what happened to my money. When I spoke to a supervisor I was told there was nothing that could be done at that point unless I toke actions into my own hands by hiring a lawyer and notifying my local police department. So I had to take my car out the shop ( without it even getting worked on and on top of that I had to pay a {$500.00} storage fee just for having them keep there with no work done ). I feel like the lost of all this income could've easily been resolved had the bank investigated my claim correctly the first time
I cancelled the application but they STILL pushed it thru WITHOUT MY knowledge.My credit is reporting I have the amount available WHICH I DO NOT they refuse to remove it from my credit.SO OVERALL the amount they say I have is a fraud..I DO NOT HAVE THIS ACCOUNT or have any credit amount from them
Per review of XXXX  credit report from XX/XX/2018 I discovered an outstanding account that I had no knowledge of and a validation letter was sent out requesting more information. On XX/XX/2018 I reviewed my credit report again and noticed that the account was updated to reflect as disputed however requested validation information had never been received and a 2nd validation letter was sent out. On XX/XX/2018 credit report was reviewed once more and the account remains on my credit report, affects me negatively and I still have not received any validation.
on XXXX/XXXX/2015, I filed an dispute with Steven Business Service. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Steven Business Service to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Steven Business Service that not complying wit the FDCPA will put their company in a bad position with the CFPB. Steven Business Service never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .Steven Business Service sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
had multiple phone calls on XXXX XXXX 2017from # XXXX out of XXXX XXXX XXXX. Was told that I need to call another number before a lawsuit was filed against me then right after that the other number called which is XXXX. The person told me That he was from a lawyer office and I was trying to be reached by certified letter and could n't be found cause my address was n't correct, over a over draft bank account that was sent to collections. He was very demanding about getting it paid right then and it was {$1500.00} but he would take {$980.00} now. The account that he was trying to refer to was taken care of before I was able to open a new account, and the amount was only {$400.00}. I attach a picture of an email that he sent the day of on who he was where he worked and what he tried to get me to agree to pay.
In febuary I entered into a loan modification period with Ditech mortgage company. The first payment was due XXXX/XXXX/XXXX. We made the first payment on XXXX/XXXX/XXXX for the XXXX XXXX due date. The second payment on XXXX for the XXXX payment, the third payment on XXXX for the XXXX payment, XXXX payment on XXXX for XXXX payment, XXXX payment on XXXX for XXXX payment. Soon after we made the XXXX payment, ditech sent us a letter stating our modification was finalized and we were due on XXXX XXXX. We already paid XXXX 's payment on XXXX. They did not apply our payment made on XXXX for XXXX. They charged us twice for XXXX month. We paid XXXX on XXXX and they also charged us again for XXXX after the finalizing of he modification and did n't consider the payment we had just made. It seems it had just gotten lost in the process and no one looked closely enough at our account to adjust for the payment we made. We continued to make a payment on XXXX payable for XXXX, but they are saying we are a month behind now and charging us late fees. 

I have called 3 times and have been argued with and finally after the XXXX time, the person named XXXX, stated that I was right and confirmed with the supervisor that I was correct. His explanation was that no one had looked closely at our account and it definitely needed to be fixed. They requested an audit the end of XXXX. I am continuing to get late notices and it does n't appear to be resolved. Can we please have help on getting this resolved? 

It is extremely urgent this is cleared up, because they have taken {$1200.00} of our money and will not apply it correctly or return it to us. 

I 've attached a photo of the payments made from our bank account. A copy of the trial modification letter with schedule of payments to be made, and a copy of the finalized modification page showing payment amount due on XXXX for {$1200.00}. We already made that payment on XXXX due on XXXX for XXXX.
Navient-Private Credit ; XXXX. XXXX XXXX ; XXXX, PA XXXX. Loan XXXX. This is probably the XXXX time reporting this Co. They are constantly calling at least XXXX times a day even though the primary borrower has contacted them to make some paying arrangements but they completely ignore the primary borrower and call the co-signer. Today XXXX XXXX, 2015 I received at least XXXX calls and told them I had contacted the primary borrower and they kept calling until XXXX.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
XXXX Credit Card and XXXX XXXX ; I did not apply for the XXXX and was paying the Credit Card. Then I started receiving calls from a collection agency, I spoke to the woman, told her i could show her where I had just paid XXXX online payment, if she would give me an email address that I could forward to.I think the company 's name was XXXX XXXX out of XXXX, TN Area. This company continues to call me 3-4 times a week. I still charge online purchases through paypal and make payments online through them. But the collection agency continues to call and tell me I owe app XXXX. I have asked them to stop calling me and finally stopped answering when I would see their number. The number they were calling was XXXX. XXXX XXXX
Starting on XXXX we began receiving automated calls from EOS-CCA instructing us to call them regarding an outstanding debt. No details were provided in the call, only an XXXX number to call. We have not received any alternate communication with details of the claimed debt. The calls were at least daily until recently when the frequency of calls has fallen to around one per week. Our home number is listed with the FTC Do-not-call list and I do not believe we have any pre-existing business relationship with EOS-CCA. 

From a review of our credit reporting it does not appear EOS-CCA has reported this debt any of the credit agencies.
After calling these people twice and getting nowhere I disputed these charges on my credit report with all 3 of the credit bureaus. This company can not tell me why I am being charged for this debt and told me " I'm not gon na do your job for you '' when I inquired about it. This company has removed the debt from my XXXX and XXXX  credit report ( I'm assuming because they realized they made a mistake ) but is reporting it XXXX as valid debt. The most recent attempt to remove it and the last time I spoke with someone was on XX/XX/18.This needs to be removed from my XXXX credit report this company can not provide proof of the debt if I truly do owe it and is not being very helpful in resolving the account.
Medical center never sent any communication of amount owed or what services were rendered. Received call from random collector in XXXX AL who did not identify themselves as collection agency.
Since the year XX/XX/XXXXEquifax, XXXX and XXXX have reported two accounts that are not mine and I had no knowledge of the account 's existence until XX/XX/XXXX. I have continuously disputed the accounts ever since XX/XX/XXXX. XXXX  has done a wonderful job with respects to my rights as well XXXX own compliance with requirements for reporting information about consumers. XXXX and Equifax have shown me no respect and neither offer any evidence besides the word of furnishing companies being certified. I have talked to the customer service departments via telephone as well as disputing these negative accounts that have literally caused my life damage since XX/XX/XXXX. I see no other option beside taking legal action. The accounts I refer to are XXXX XXXX showing a balance of {$130.00} and XXXX XXXX that is showing a balance of {$900.00}.
I have XXXX open collections when I only owe XXXX school ( XXXX XXXX ) XXXX amount. 
So because their are XXXX its making my Reported Open Collections Balance {$4300.00}. When it should only be {$2100.00}
deposited a valid check for the amount of {$3000.00}. i was told by XXXX XXXX who issued the check that Regions Bank improperly processed the check and treated the check as a cash advance, rather than a check. however, the check was written pay to the order of Regions Bank ; and therefore, it should have been processed as a regular check, as a cash advance could only be given if i cashed the check at the Regions Bank branch with the check made out to me or to " cash ''. this was not the case. Regions improperly returned the check to XXXX without crediting the funds of {$3000.00} to my account, as they should have, thereby causing me injury, damages, damages to my reputation and relationship with third parties who were consequently affected by Regions ' malfeasance.
On XXXX-XXXX-17 I called to inquire why I was not receiving my statements. I was advised by the branch manager XXXX XXXX that the third party affiliate of XXXX XXXX XXXX ( XXXX? ) No longer sends out paper documents. I have to go online. I advised that I have the right as a consumer to request paper documentation. They said that I could not request this information to be mailed and there was nothing that they could do for me. I find it very unprofessional that they do not respect my rights. If they can not respect my rights the debt should be waived in full.
XXXX XXXX XXXX shut down my checking and saving accounts on XX/XX/XXXX
To whom it may concern, My pay has been garnished three times by XXXX different debt collectors. The first 2-garnishment money was never applied to the loan. I made payments for 2 years from XXXX to XXXX of XXXX dollars. It was never applied to my loan and in XXXX I lost my job and could n't pay any more. My original loan amount was XXXX dollars approximately. When I got in position to make payments again the SL people wanted XXXX at once or they would garnish 25 % of my pay in about XXXX. This went on for years up to beginning of XXXX. I could n't pay because they kept saying the wanted the total loan amount and adding the interest to the principal and calling it the new principal never crediting the money paid or taken. I would have made the payments agreed on 25 years ago and paid it off. I could n't afford to keep paying them and not have the payments applied. So by adding XXXX dollars in fees and upping the principal by adding interest to it the total amount they wanted in XXXX was XXXX plus. Since then they have garnished XXXX dollars out of my pay. They waiting to steel my tax return next. If you can help I would like to have the total reduced, the loan taken out of garnishment and go back to the payments agreed on 36 years ago. They are using the fact that they are a government agency to steel false loan amounts. 

Thank you for your time, XXXX
I traded my XX/XX/XXXX F150 XXXX. They financed me for a XX/XX/XXXX XXXX Corolla. My old finance company is United Auto Credit. They have called me every day in regards to my payment. I explained to them I do not own that vehicle anymore. I told them XXXX XXXX will send them the payoff. They continue to harass me daily. I just got off the phone with United Auto Credit as they admitted talking with XXXX XXXX XXXX, yet told me until they receive a payment the calls will continue. Let it be known I have never missed or been late on a payment. 

When I requested to speak with a supervisor they only sent me to a recording. I can not seem to get them to work with me at all. I did speak with XXXX XXXX about the issue. They insured me it will be paid, as I trust it will be. I know there is a process the bank has to take before sending a check. I do not want any bad di gs on my credit do to some underground lender like United Auto Credit. As I did some research on the XXXX, I noticed that I am not the only XXXX having similar issues. At the interest rates they are charging the least they can do is work with someone. Especially when you have dealer that size paying off your loan.
I opened a Citibank credit card account and opted out of all Citibank phone calls, checks, pre-screened offers of credit, affiliate marketing, etc. etc. on XXXX XXXX, XXXX. I thought that the opt-out preferences were permanent until changed by the customer, or at least were good for 5 years. But Citibank began sending me checks in XXXX XXXX, not even 5 years after I had opted out. I called them immediately and them told them I have opted out but they are still sending me checks one month later. Is this a violation of the opt-out consumer protection program? Why is it SO difficult for a consumer to stop what could be described as harassment or predatory business practices?
I have a loan with Navient which use to be XXXX XXXX. I 've had this particular loan since XXXX XXXX 2008 and it was used for when my daughter went to XXXX XXXX XXXX because she had a very hard time learning how to read because of her XXXX. My father had to be a cosigner on the loan but all this time I 've been making the payments on time and by direct deposit. At first my interest rate was at 6 % variable and then it was at a 6 % fixed and now its at a 12 % variable. It seems as once I get close to paying the loan off they go up on the interest rate as well as lower my direct deposit payments so that I 'm paying the loan off slower and slower. So far I have had this {$5200.00} loan for eight years and I 'm trying to see if this company is scamming people to keep them in their loans longer so they can keep collecting money or using the same tactics they were using when they were named XXXX XXXX. Please help!
When checking my credit report on XXXX XXXX website I noticed a hard inquiry from XXXX XXXX XXXX which I was never asked for nor gave permission.
I had a Mortgage with Citi Mortgage with a balance of {$230000.00} as of Statement date XXXX/XXXX/2016. At around this exact time I refinanced my house and a Check was mailed out to Citimortgage Inc. for the amount of {$230000.00}. A refund for the over payment of {$1400.00} is due back to me. Several Calls to Citimortgage have been to no avail. They have refused to send me a refund check. It 's been over 60 days since the over payment. 
Please help me recoup this over payment.
I have banked with Bank of America for several years. Several months ago someone broke into my apartment and stole several identity documents and cards. I filed a police report. After the theft I noticed several unauthorized ACH debits from my Bank of America checking account. I notified Bank of America of the unauthorized ACH debits. This happened XXXX times. After noticing that my debit card was missing I went into a Bank of America branch and requested a new debit card and told the banker that my card had been lost/stolen. The banker did not close my old card and charges continued on that card. When I noticed the charges I called Bank of America and told them and demanded they close the old card and disputed the charges. A few days later my account was frozen by the XXXX XXXX an access to my accounts was restricted. During the holiday season when I need access to my money the most I have been locked out and can not access my funds due to no error of my own. My accounts were all in good standing all with positive balances. I had a Bank of America credit card that I never missed a payment on. Basically someone robbed me, stole my identity, I follow the advice of the Bank and reported it to the police and put a fraud alert on my credit profile and the Bank decided to punish me for it. Police report info : XXXX Police Department. Report XXXX
All requests for a detailed investigation was responded to with bureaucratic filler jargan to deflect from what I was very specific about on my request. I want to give a written request for a forensic audit investigation into ALL CREDIT REPORTING AGENCIES EQUIFAX, XXXX, AND XXXX  and the manner in which they Rendered ALL my dispute requests .I am requesting that they provide a detailed Forensic audit of my credit report and investigation of ANY creditor that can not provide written proof of my request for service such as third party Creditor who paid for my debts, accurate date of delinquency " creditor or dept of education and inquiries '' for example I have student loans from 2000 on  my report but when i review my credit history it says 2 years. Either completely remove the old info and show only the consolidated report or allow me credit for the number of years my student loans existed and they all MUST be removedcompletely never to be seen and immediately. I want ALL CREDIT REPORTING AGENCIES to remove ALL VARIATIONS OF MY NAME THAT DOES NOT REFLECT A DIRECT MATCH to my court ordered name XXXX XXXX XXXX and match on All 3 Bureaus I request that there be copies of the FORENSIC AUDIT sent to me via email. I reserve the right to file lawsuit against all parties involved that refuse to cooperate fully and truthful with my complete request. This is my final request and attempt to correct and update my " Required Credit History '' THAT CURRENTLY IS CAUSING ME HARDSHIP IN JOB SEARCH AND ABILITY TO ACQUIRE CREDIT. I am a victim of Identity theft as recent as XXXX with several auto dealer inquiries I never applied for " I have a car im paying for '' Lastly I require that ALL THREE Credit Agencies EQUIFAX XXXX  AND XXXX REPORT THE SAME INFORMATION OR NONE AT ALL. My next step is to file a lawsuit.
XXXX XXXX, Team Leader of Wakefield & Associates, Employee # XXXX has continued to call and harass me and my family. This debt is from XX/XX/2013 and should have already been resolved and removed from them and my credit, as I am have been employed with same company for 15 years and held valid health insurance the whole time. The rest of this debt was paid already by insurance, this is the outstanding. This debt is not mine, as it was to be paid by employer provided health insurance. I have advised them of this numerous times and they continue to call and harass. I asked them not to contact us until the health insurance does their portion to resolve this, yet they keep calling.