WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX hosted a XXXX time home buyers seminar that was mandatory to attend to qualify for an XXXX county first time home buyers grant. While attending this meeting the Host of XXXX XXXX XXXX stated we could get a free copy of our credit report from them and it would not count against us as it would be a soft inquiry. XXXX XXXX Mortgage handed out an application to get our free credit report right after that and we thought that is what we had to fill out to get the soft pull. 3 days later a hard inquiry is showing up from XXXX XXXX Mortgage. After speaking with XXXX XXXX Mortgage and XXXX XXXX XXXX, XXXX wrote a letter the other an email to help me get this removed from my report. I sent these letters as well as an explanation to the credit bureau 's. Their response was I could not request for an inquiry to be removed only the company that pulled the credit could call the business department to have it removed. I forwarded this information on to XXXX XXXX Mortgage and was told it would have to be reviewed by there back office to see what could be done. I never recieved correspondence for 2 weeks. I call back and was told that they were unwilling to do anything at this time. 
I would like this hard inquiry to be removed from my wife and I 's credit as it was in error pulled by the wrong company.
I am filling a formal complaint against Columbia Recovery Group L.L.C, in the amount of a Default Judgment against me. Columbia Recovery Group, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used unethical, and illegal tactics to collecting an overly inflated alleged debt out of retaliation violating the Federal Fair Debt Collection Practice Act, in a period of XXXX months before even reaching court for a Default Judgment Columbia Recovery Group, along with XXXX XXXX XXXX on-site manager XXXX XXXX revised, and inflated the alleged debt to submit into court making the Default Judgment almost double the original debt. I have attached these documents showing the amounts, and how over four months they had increased, and also a revised collection statement, these documents are in order with chronological order by dates, and exhibit letters with a brief description on this page.
Recently XXXX XXXX XXXX and Citigroup have initiated action regarding the Second Amendment to restrict legal business activities regarding providing financial services and resources regarding the manufacture and sale of firearms. This action is politically motivated, violates sound business practices, infringes on my constitutional rights by being discriminatory, and appears to violate anti-trust laws by recent statements from the CEO of Citigroup.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX, VA XXXX ( XXXX ) XXXX The account was always paid on time and the company made and error and had agreed to correcting this with the bureaus. This corrected itself for one month and then came back. They are not keeping their word on making the account show current. I was never late. I actually paid the account in full as they are not honest. This company was recently the account that was used by XXXX XXXX who is no longer in business. 

I have demanded this be corrected.
Harassment attempts by PayPal to collect debt, they have erased my accounts from their systems and are dodging any attempts by me to contact them to attempt to fix the issue causing discomfort to my parents house which they have been blowing up via cellular communications. Their website and customer service system is designed in such a way that you are unable to get through to speak with a representative or even access the system if you are locked out.
Payed everything in a timely manner until the variable loan went double the amount. 
I tried numerous times to work a program with Ocwen and they refused and now they want to foreclosed on my home with the trustee XXXX XXXX XXXX scheduled for XX/XX/2015. Till this date Ocwen has not attempted to work out a program.
XXXX charged {$49.00} to my AM Express card for anti-virus software on the basis of an " automatic renewal '' provision in the prior year 's delivery of software. I attempted to advise them not to deliver any product. They say I was unsuccessful in my attempts and therefore I owe them the fee. I have disputed this through my credit card. 

They appear to premise my desire for their product on an automatic renewal process. While viewing the " automatic renewal '' as a scam unto itself, I also contend that they intentionally make difficult any efforts by consumer to " decline '' their product. I made reasonable efforts to notify XXXX that they chose not to heed. 

Attempted Communication : I responded to each email that XXXX sent to me on this topic in XXXX and XXXX of 2015. However, responding using the method of their choice ( email ) and to the address they use to contact me - resulted only in an email response to me indicating it was an " unmonitored '' email box. XXXX got my email but chose not to review the content. They chose to put some hurdles for customers to overcome to communicate and stop XXXX 's unsolicited contact. 
o XXXX 's automated response said, among other things, that I could find out more about my options by creating a customer account and identity with them. This was not an attractive option for a company from which I was trying to disengage. 
At this same time, I called the customer support telephone number listed on their website. After working my way through their automated phone menu ( no human being to speak with ), their system thanked me and hung up. I tried this a XXXX time with the same results. 
Finally, I sent XXXX a short note saying I did n't want their product. XXXX noted in their justification for successful deliver to me that they did not get a " fail to deliver '' notification. Similarly, with my note - I did not get a fail to deliver notification. In hindsight, I regret not sending it certified mail and keeping a copy. 

Product Status : XXXX 's argument may be that I should pay for a product or service that I possess. I do NOT have XXXX on my computer. I use XXXX. 
o If I received a software product from XXXX, I could not " return '' it using any method that I as a common user could technically perform. I immediately deleted any program with the XXXX or XXXX term. 
o I have attached a screen shot of my computer to show that I have XXXX and do NOT have XXXX. 
o I am willing to make mutually agreeable arrangements for anyone who wishes to do a more sophisticated review of my computer to ensure I do n't have and XXXX product. 

My biggest concern is that, under XXXX 's process, I may NEVER be able to stop them from annually charging my credit card. 

In closing, I still do n't believe this charge was legitimately authorized. I think this is a scam where companies make it difficult to stop or contest the charge. 

XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX
COMPLAINT AGAINST : CARE CREDIT  ( Synchrony Bank ) G ood afternoon, On  XXXX   XXXX ,   XXXX   I got an INTEREST CHARGE ON PURCHASES Date  XXXX  in the amount of {$1300.00} on a card that had  XXXX  {$5500.00} balance owned.   When I called Care Cred it ( card that II h ave had for over 10 years ) I was informed that when I made the purchase, I had a promotional rate of 0 % ; which I was aware of, and that after the promotional purchase, my interest rate ( of 27 % ad up ) would apply ; which I was also aware of. However, they also informed me that I was being charged my full interest based on the FULL AMOUNT OF THE INITIAL PURCHASE, as opposed to how much I CURRENTLY owed ( which was USD {$500.00} or so ).   Every month I make payments over my minimum required payment ( usually the min pmt is USD {$260.00}, so I pay USD {$100.00} to USD {$300.00} over that, to reduce the balances ).   No wonder a balance o f USD  {$6000.00} has not decreased in the past year!   WHA T I AM REQUESTING : 1. Full review  of ALL the interest they have charged on my account since INITIAL account opening ( that would be initial card and then a second   one issued only on my name ).
2. Amendment of ALL interest they have charged me based on initial amounts as opposed to what it was ACTUALLY owned at the time they applied the interest fee/charge.
3. Reimbursement of any over paid amounts based on point " 2. '' listed above.
4. For Care Credit ( Synchony Bank ) to revie  w its slick, fraudulent and outrages practices such as the one I have been subjected to. People like me use these cards as emergency to take care of our beloved pets so we do not have to put them down. People like me always pay on time and above so we continue to have a good relationship with the card and to try to decrease our balances. Which since Care Credit became Synchrony Bank, it clearly taking advantage of in order to keep us in debt.     Thank you for your prompt response and action. We value your  Agency  even though all these crazy people want to get rid of you. As an American, you have my full support and I will continue to fight in order to have your agency around for a very long time.
I have twice tried to make a change to one of my accounts with Great Western Bank. I need to change my money market account ending in XXXX to their " Basic Savings '' savings account. 

I originally made this request on XX/XX/18 by secure message while logged into my Great Western Bank profile. I received a response from the bank that my request would not be accommodated and was instructed to either visit a branch location or call their customer service number by phone. 

I next tried to make this change by calling their customer service number on XX/XX/18. I was told my request to make this change would not be accommodated and that I needed to visit a branch. 

I bank online. I am a XXXX XXXX. I work Monday-Friday from roughly XXXX XXXX until XXXX XXXX. I do not have access to a Great Western Bank physical branch because I can not visit a branch during my work hours. Great Western Bank is not open on weekends and is not open beyond my work hours Monday-Friday. I opened my accounts online and bank online exclusively. 

I have made a reasonable request to the bank. I asked the bank to change my money market account to a savings account. They twice refused this request even though my identity was confirmed.
I have a PayPal Account that has been permanently Limited, I have my bank card for another business along with a personal checking account linked. Upon the freeze I have no access to my accounts, I have tried to talk to PayPal and all I get is that my funds can not be touched for 180 days and none of my accounts can be removed. I do not even have the ability to email Paypal I have no authorization for that service. 
I have only {$220.00} being held, however I do not wish to leave my husbands bank card linked to the account. 

When I did speak with someone I was told that the bot or the computer was how my account was limited and once that occurs there is no reversal. I was told to read the " USE POLICY '' of which I have and there is nothing in there I have done. The only thing that I have used my account for was to take payments of between {$12.00} and maybe {$50.00} for webpage design and make purchases of software and other merchandise. 

I need to know what you can do for me? I need to get this resolved as soon as possible. 

Thank you. 

XXXX XXXX XXXX or email at XXXX XXXX
I spoke to the company told them that the debt wasn't mine. But it been 6 months and it still on my credit.
I am currently being garnished from a judgement that was unfairly put on me. I was not given the chance to defend/explain myself in court and never received any papers served to myself for the given judgement. I have attempted to contact the Rodenburge Law Firm several times but every time i am met with a voicemail system and no response. I even attempted to send their company an email to which i never received a response to. 

My current employers have contacted me with the judgement which has tacked on a ridiculous amount of interest to a judgement that unfairly placed upon me. I was not given any notice to appear before court or a chance to even defend myself. 

Now, years later I am being garnished without warning from Rodenburg Law firm whom I am unable to even contact for comment regarding these allegations. 

Another thing that really bothers me about this is the chance that these documents might be forged or tampered with. I see that in the top right corner of the garnishment it says : WRITE EXPIRES XXXX XXXX, XXXX ; and at the bottom of judgement it says : Given under my hand this XXXX day of XXXX, XXXX. This paperwork looks smudged and as if it was filled in by someone with their own handwriting, in other parts of it it is not even legible ( bottom middle ). 

I do n't understand how they can take {$5600.00} out of my pay check when the original judgement was for {$3700.00} and I was never even given a chance to represent myself in court. How is this even possible or legal? Even though I have attempted to contact them several times i cant seem to get any further documentation and/or explanation out of them. 

I 've been doing research on this Law Firm and have found numerous complaints and unethical treatment of the people who they are taking money from. I am afraid i am not the only one and this horrible treatment of honest hardworking people needs to stop. 


Under the state that this debt was formed Montana the creditors violated the following laws : Under the Fair Debt Collection Practices Act, a debt collector CAN NOT : Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment ( FDCPA 15 U.S.C. 1692e )
I received a letter from Chase informing me that they were transferring my funds from both checking/savings accounts to the state the last week of XXXX, 2017. Since the letter had to be sent via airmail, I had a very little time to stop them. My accounts had been inactivated so I had to make an international call to spoke to their customer rep. Although that phone call stopped them from transferring my funds to the state, my accounts were remained inactive despite their promise to reactivate within 2-3 business days. I told them I would rather close my accounts than reactivating them since it was getting harder for me to maintain my accounts from overseas, which they told me to file a request from their website after they reactivated my accounts. But apparently, they had deleted my ID and password, and I could n't log in. Each customer rep told something different, some of which sounded rather questionable and knowledgeable.
My accounts had remained inactive for 4 months, then out of the blue I was told that my accounts have been reactivated AFTER I had been trying to CLOSE XXXX my accounts. I even sent my notarized request via fax just like what they told me to do in order to close my accounts. I chose to fax it instead of mail it due to their lousy service ; I had to take a trip to the US embassy in XXXX and paid {$50.00} to have my request notarized. I did n't want them lose it ; I had no more trust in their ability to do their job. I would NOT want to take another trip to the embassy and pay another {$50.00} to have another request notarized, which is I think is the likely scenario considering.
Now, they are telling me I must " mail '' my notarized request, that faxing wo n't do, which is the first time I heard. They said I could either fax it or mail it. And I chose to fax it because their words can not be trusted, NOT ANYMORE after all this. I do n't want to spend any more money trying to close my accounts. I did tell them I would be contacting CFPB as my patience was wearing thin.
his is my second complaint about XXXX XXXX and their associated law firm. My first complaint was settled. However, the tactics at which these individuals use to settle their debt is concerning. I originally filed a complaint in late XX/XX/XXXX. I received a response letter dated XX/XX/XXXX. I first received original correspondence in XXXX of XXXX of which I did not respond initially, as I thought this was a scam. I will admit that I did not remember signing up for a credit card at first, but then I was doing some research on my own. On XX/XX/XXXX at XXXX CST there was a knock at my door, which is in a secure apartment complex so I am not positive as to how this person gained entry, I answered and he handed me papers and walked away. These papers contained nothing but the file number, bland information as to what I was being charged with ( which was a shock to me as this was the first I was hearing of potential court issues ). Email correspondence between XXXX XXXX XXXX and I happened on XX/XX/XXXX ; I was reaching out to XXXX about any settlement opportunities that may be available. He responded asking for a good phone number at which I could be reached, I replied with a phone number and told him the best times that I could be reached to discuss. After, I received no further emails or calls. On a letter dated XX/XX/XXXX I received an offer letter from RSIEH about an offer to settle the claim against me for {$420.00}, the letter included a website to where I could pay online. I received a letter in the mail in early XXXX containing an order from the XXXX County court letting me know that an action was filed on XX/XX/XXXX against me. The letter contained a file number that the state has for this judgement, however no such court dates. After receiving this letter, I decided that I should pay the amount that I owed and I would move on. I submitted a payment for {$590.00} on XX/XX/XXXX using their website, the funds were deducted on XX/XX/XXXX from my bank account. I then called their office on XX/XX/XXXX requesting a receipt be sent to me, the individual I spoke with said that I should be receiving it within 3-4 days and the letter would be sent out that same day. After waiting over the time period, I then called again requesting a letter on XX/XX/XXXX and they said that one would be sent out and they did not see my first request. As of XX/XX/XXXX I have not received any correspondence from the company, I also have submitted online requests for contact and they have not been fulfilled. I have requested a receipt and would like them to remove this from my credit report. Due to their lack of professionalism in this matter, it has caused increased stress in my life upon fear of a lawsuit that I am not sure is even happening. They have not been fair in trying to resolve this matter, and I can say that I would have rather reached a compromise than have been threatened with legal force. I do have supporting documents if they are required. Thank you for your attention to this matter.
I have insurance through the Veterans Affairs purchase offices. I am a XXXX Veteran and the issues of this company being paid by the purchase office of the VA care setting. This company cliams that the VA did n't pay them. They are charging me XXXX dollars and are harassing my employment, school, wife, and life. They are a comoany based out of their home. They have commited fraud and want an investigation into what their doing. Highly illegal practices. All three of my XXXX scores have been lowred by them. I 'm also military which have certain laws protecting me. I need help with this case please.
XXXX XXXX XXXX XXXX is pay in full an outdated # XXXX
Date repor ted :  XX/XX/2014  U.S Bank Operations Center   XXXX   XXXX  , MN  XXXX  Account ending :   XXXX    Social  XXXX  The financial Institution has reported me to  XXXX  and I am unable to open accounts at any bank do to this. The a ccount in my name was abused and fraudulently opened by an ex- girlfriend with access to my accounts to support her own downfalls from a bad break up. This was reported on my behalf several times and I have disputed the matter and still have not received any support or help to remove this item. I have no clue or what the abuse or if any amounts are due that I feel I am no liable for at this time. Any assistance would be greatly appreciated!
I am writing this letter to help investigate why the three credit bureaus Transunion, XXXX, XXXX have ignored the certified and notarized letters I have sent on XX/XX/2018 to them to correct my personal information that they have on file. The only thing they did was send me a copy of my credit report but they did not update any of the information I asked for.
I have already reported a Dispute with Equifax ( resolution code XXXX ) & XXXX XXXX ... ( When contacting XXXX   provide your current file number : XXXX ). 

I can't see the results because apparently they don't have my Birth Date information with Equifax ...? ( They have my entire Credit file but somehow without my accurate Birth Date? ) And I can't see my Dispute resolution because of an error that is simply Not My Fault! 
I have called them, multiple times and they wanted me to Fax my Birth Certificate & Driver 's License to them ( the request originated in the XXXX! ) I declined due to obvious security possibilities .How do I Proceed? Please Assist Me! 

Thank You, XXXX XXXX XXXX, MD
I have contacted Second Round LP in regards to an account listed on my credit reports that I do not recognize. They are reporting to the major credit bureaus on behalf of XXXX XXXX XXXX XXXX XXXX. I have asked Second Round LP XXXX TIMES to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXXXXXX XXXX XXXX. I have sent them Certified dispute letters stating that if they can not verify this account, they need to remove the account from my credit reports. They have responded with letter saying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.
Lanier collection agency contacted my cell phone withoutmentioning this was a collection agency or this is an attemptto collect a debt. I have saved the voicemail. I have emailed the compancy no response.
I have been disputing with Trans Union regarding inaccurate remarks & also that I was a victim of Idenity Theft. My credit report shows the following do not belong to me : XXXX XXXX XXXX XXXX, & XXXX. 

Federal law requires that Trans Union provide mechanisms to ensure that each item on my report actually belongs to me. Please have the following Inquires deleted : XXXX  XXXX dated XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
This is about the three major credit agencies and the errors I can not get fixed. 

On XX/XX/XXXX I closed my XXXX cell phone account after repeated and egregious fraudulent charges went unaddressed. I opened an account with another service. My bill was paid. Their bills continued to accrue even though I not only no longer had service with them, AND had been billed for and paid charges for months in advance, AND confirmed that I owed nothing online with a chat rep and downloaded a document which Ill include, yet they continue to report a delinquent account on all three credit bureaus : XXXX, TransUnion and XXXX. 

Ive tried correcting this with those agencies but they either have online forms that are hosted on sites that break down, or they seem to do nothing. 

In addition, all three agencies are listing hard inquiries, some twice, on the same dates XX/XX/XXXX and XX/XX/XXXX when I applied for a car loan online and then with XXXX not knowing single applications would go to multiple banks : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and again XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Among others. 

Also, they all list me as having no credit history yet I paid XXXX XXXX XXXX  for three years on time. When they sold it to XXXX XXXX they also list me as current. 

Addresses are wrong, places Ive never heard of are listed as former homes.