WillisBack/dataset-financial-user-claim huggingface dataset:
On   XX/XX/XXXX   I brought a  XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in   XXXX     XXXX , I had just joined the  XXXX  and was heading to  XXXX   XXXX , California to be stationed. Within the first week of having the car, I had to take it back to dealership five time to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car.     I have tried to do numerous times to get them to work with me and they never would.     In   XX/XX/XXXX  , I got stationed in  XXXX ,  XXXX , I have my mother Power of Attroney for my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would contact m y    commanding officer of my command  if i d id. So while in  XXXX  my mother had POA because we would be on  XXXX  alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible.     While on  XXXX  about a year,  XXXX   XXXX   XXXX  decided to set up a court date and we turned in all paperwork stating I was on  XXXX  and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on  XXXX  and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receive one in the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.
Company reported debt in collections as paid and requested removal in XXXX XXXX, 2016. Transition is on reporting agency not updated correctly
On XX/XX/XXXX I submitted a dispute along with identification and original police report documents for myself and my sister who was a victim at the time as well. This dispute was sent via mail to XXXX, XXXX and Equifax reporting services, according to the Fcra section 605B, all information that is a result from a case of id theft will be blocked in 4 business days, until the day of this report we have not heard back any response of the status. I would like the situation resolved by unauthorized info being blocked.
Captial One credit card has engaged in unfair, deceptive and abusive practices on my credit card with it. 

When I opened this account, there was no annual fee for the card, and I opened it because of this reason. Suddenly, on XX/XX/XXXX, I was charged a {$19.00} " member fee '', without warning. XX/XX/XXXX, the only other charge on this card was {$14.00} for a telephone service, which was a balance well below the credit limit. This same amount was paid electronically on XX/XX/2016, before the due date. However, because Capital One charged me a " gotcha '' membership fee, in contradiction to its advertised no annual fee for this card, it then charged me a late fee and froze the account because I did not pay it 's abusive charges. An electronic payment for {$53.00}, the entire balance on the card now, consisting mostly of these unfair charges, was paid today. Capital One should have this payment by tomorrow. 

Somewhat beside the point, I am away for the winter from the billing address and have not gotten Capital One 's last forwarded bill. However, it has gotten electronic, on-time payments regularly since the account was opened.
I filed a complaint initially regarding a vehicle that was falsely reported on my report. The Bureau removed the car and not the inquiries that I did not authorize. Equifax refuses to update and correct the problem.
XXXX XXXX XXXX XXXX has my Social Security Payment and Supplemental Security Income Payments. 

The Social Security Administration located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX, XXXX, Georgia XXXX mails the Benefit Manager ( s ) multiple ACH checks for transfer to Government Debit Cards. 

The transfers does not equal the standard Supplemental Security Income payment of {$730.00}. The transfers does not equal the standard benefit payment from retirement insurance or XXXX insurance either. 

The Manager ( s ) has not transferred the amounts to the card in my possession. The card ending in XXXX. The back of the card has XXXX. It suggest to call XXXX International Calls. 

Complaint Area : ACH Check Replacement or ACH Check Refund
I was a victim of the Inquiry issue with Transunion. I contacted them and asked to please remove the Inquiries from my credit report and they did nothing to assist me. This was today XX/XX/2018 Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On e  XX/XX/XXXX  my  wife and I received an email notice about a payment due on a  Capital One  account. The email was sent to my wife 's email address from  XXXX  XXXX  XXXX , but my wife does not have  a Capital One cr edit card. The email body indicated that it should have gone to another person with the same first name, but different last name as my wife.     On  XX/XX/XXXX  we called the support phone number for  Capital One t o be sure there was no fraud involved and the customer service rep told us that there was not and that it was most likely just a wrong email address or that the actual customer had potentially entered the wrong email address. We asked that her email address be taken off of their records so that we would not receive any further communications from  Captial One abou t payments being due.     Since then, we have received no less than  15 ema ils with varying degrees of urgency, personal information and balance information about the other person 's account and threats that they would seek legal action if the balance was not paid. We called back to customer service o n 3 sep arate occasions over the course of the next several months in  XXXX ,  XXXX  and  XXXX  and each time, the customer service representative informed us that they would resolve the issue and that we would no longer receive communications.     The last call we made was the week of  XX/XX/XXXX  and at that time, we informed the customer service rep that we would file a complaint with the CFPB if we received another email after 10 days of that call. Since then, we have receive d 2 more  emails, the most recent being sent today,  XX/XX/XXXX .     I am happy to block the sender and report the emails as spam, but I am also concerned as I want to be sure there is no fraudulent activity happening here. I have checked my wife 's credit report recently and there is no indication of any problems or accounts being opened that we are not aware of, but I think that it is irresponsible of  Capital One to  not resolve this sooner after we have given them months in which to fix the issue, and having been told several times that they would ensure we were no longer emailed.     Thank you for your help.
Going over my credit report and I found an account still being reported. The account has been paid off and closed since XXXX 2006.
On XXXX/XXXX/XXXX, I faxed Carrington Mortgage a request to have XXXX ( 30 ) day lates removed from my bureau reports. The payments were not thirty days late. The XXXX payment was phoned in on XXXX XXXX, XXXX and the XXXX payment was phoned in on XXXX XXXX, XXXX. My payments have always been made at the end of the month since inception with XXXX Bank in XXXX. I explained that my credit score was XXXX on XXXX XXXX, XXXX and it dropped to XXXX by XXXX XXXX, XXXX due to Carrington 's reporting. The XXXX payment did not report until XXXX. I called Carrington several times and told them I am a XXXX patient and the drop in my credit score has created undue hardship for me. I am not able to refinance my home to bring the payments down or secure transportation to my doctor appointments XXXX miles away. The Carrington supervisor encouraged me to wait for a response from Carrington before contacting the bureaus, because it would slow the process. Thirty-four days later, on XXXX XXXX, XXXX, Carrington finally told me via the phone they refused to remove the thirty days late, because the payments were not immediately applied. I still have nothing in writing. During this time I made the transition from a teacher with 15 years of service XXXX XXXX payroll to Social Security and long term XXXX income, but I always made payments prior to thirty days late. This organization is ruthless. I believe they destroy people 's good credit to attempt foreclosure on them. There lack of courteousness and unwillingness to provide customers with experienced contact resources in applicable departments is testimony to that. Carrington Mortgage does not care! These people are in the business of debt collection and real property acquisition.
TRANSUNINION HAS OUTDATED IDENTIFYING INFORMATION ON MY CREDIT REPORT WHICH NEEDS TO BE REMOVED.
XXXX / XXXX / 2017  : I went onto the  XXXX  website to purchase several dresses and  2  blouses. According to the website, I have a {$400.00} credit line that shows as an active available credit line. But when I tried to make the purchase, I got a message to call customer service. I was told despite my {$400.00} credit line, my card was blocked due to inactivity. I was told that the block could be removed with no problem. But when I was transferred to the credit dept. I was told that they could not reinstate my credit line because Comenity B ank, ( the Bank ) reran  my credit report & would not reinstate my credit line. I called Comenity Bank whose representative said the same thing. To date when accessing  my   XXXX  account it still shows up as an active credit line of {$400.00}. I was never notified my card and my account was in inactive status. As a  XXXX  woman, it is already difficult for me to purchase clothes in my size and this store is one of few stores where   XXXX   women can purchase clothing that fits. I am very angry & upset that this occurred & want my account reinstated with my full credit line.
I tried working with sunrise with no success. I ask for full documention on this debt which i do not owe and want this idem removed off if my XXXX credit report.
I have disputed Inaccurate reporting of XXXX/DEPT OF ED multiple times with Transunion, XXXX   and XXXX with no help. These are not my account. 

XXXX/DEPT OF ED  Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late XXXX/DEPT OF ED Last reported : XX/XX/XXXX {$2900.00} 120+ Days Late
Conn 's calls me if I'm just one day late on a payment. I have two phone lines on my Conns account, and they call each line 3 or more times each. This is not less then 6 calls per every 12 hours ( XXXX XXXX - XXXX XXXX ). They repeatedly call me at work and at home. I have informed them that this is illegal and can cost me my job. They keep telling me that they can call me as long as I owe them money, and am at least 1 day late. I understand them giving me a reminder, but calling 6 or more times per 12 hours is just crazy! I would like to know how I can file suit against this company for harassment.
Back on XX/XX/XXXX we did a Loan Modification on my home. At the time that the modification was done the principal balance was around {$190000.00}. But, keep in mind that when Freedom Mortgage took over the loan XX/XX/XXXX my principal was {$190000.00}. So, when the loan was modified back on XX/XX/XXXX my principal balance was {$140000.00} and {$58000.00} was put to a Subordinate Note. Adding that up come to {$200000.00}. That is more than the original principal balance of {$200000.00}. 
When all the paper work came to me from XXXX XXXX the only things was the Subordinate Note and Subordinate Instrument. NEVER HAVE WE GOT A FEE BREAK DOWN SHEET OF ANY SORT. I HAVE TRIED TO CALL LOANCARE BUT NO ONE WILL TALK TO ME, THEY TELL ME TO CALL FREEDOM. WHEN I CALL FREEDOM MY CONTACT PERSON DO NOT UNDERSTAND WHAT I AM TALKING ABOUT. AT NO TIME I WAS TOLD THAT ADDITIONAL MONEY WOULD BE ADDED TO MY LOAN. ONCE AGAIN, WE NEVER GOT A BREAK DOWN OF THE FEES EVEN WHEN WE RQUESTED THE INFORMATION AGAIN. 
Please understand that LoanCare, may have done a fraudulent and or misrepresentation on your behalf. This will sever as notice to you. And a copy of this is been sent to Loancare as well.
On XX/XX/2018 I received a letter from Diversified Consultants, INC stating that I owed a debt to XXXX XXXX XXXX, on the letter head it shows the letter dated on XX/XX/2018 this is 11 days past what is allowed by Fair Debt Collection Practices Act. This is a clear violation of the law.
I was linked to the Transunion website from a free credit report site and enrolled with the company under the belief that I was giving them my information to obtain my free credit report. It was not made clear that there was any distinction between the free report service and the membership option, as there is only XXXX portal. I discovered I was being charged {$17.00} per month for services I did not ask for and contacted customer service. I was told that it is quite clear that the free report is through a different website and that there was no option for a refund. The representative then offered me a free month and a reduced rate for continuing membership which I declined. The representative said that perhaps I did n't fully understand the services Transunion offers. I stated that I wanted to speak with a supervisor and was asked which type. I said that I was n't sure who would be appropriate and she said there were many different types. She then placed me on hold and the call was disconnected. I called back and was connected with what I believe was an escalation supervisor who again told me that I had misunderstood and that Transunion could refund XXXX month of service fees. I am not happy with the way this company does business or with the quality of their customer service. I think that their practices are knowingly unclear. As participants in the government free credit report service, this company should address consumer requests to remove charges when they are required to furnish free reports.
I was called by Offices of XXXX along with my family members advising that I was going to be served with papers the next day. Then if I was n't there they would come to my job and notify my human resource manager. In addition they said I will need to appear in court if I am not there to sign for the summons .They told me I needed to make a good faith effort payment over the phone then sent me an email of terms I did not agree to.
I settled my debt with XXXX XXXX a while back. The debt was resolved. Now, a collection agency name XXXX/Resurgent Capital is reporting this debt on my credit report and trying to collect monies from me. I have told them that I have already settled the debt with XXXX XXXX, but they don't seem to care. They seem to want me to pay it twice.
I received a Collection Notice in the mail for an amount of {$3500.00} from Phoenix Financial Services LLC dba Indiana  XXXX   XXXX   XXXX . Phoenix said they were contracted by  XXXX   XXXX   XXXX   XXXX   XXXX . Phoenix assigned an Account #  XXXX . They offered in their letter to provide a discounted settlement of {$2500.00}. There is no reference to where this originated and prior to this I have never seen a bill from a Hospital or ER for any type of Services this size. Also, I have had insurance for years and again have never seen a bill for anything this size.     I am building a new home and working with my Mortgage Company,  XXXX . I had a low  credit score  from  XXXX  and when I asked  XXXX  what was being shown that I owed, they referenced  XXXX  Account numbers from  Phoenix Financial Services. Phoenix had  split the {$3500.00} and showed it as  XXXX  derogatory reports to  XXXX .  XXXX  for {$1000.00} and the other for the {$2500.00} which they keep adding interest too. They claimed they were making a deal with me to pay less but in fact they had split the amount into  XXXX  Accounts  XXXX  and  XXXX . I believe these are false charges. My insurance would have paid any claims. I saw online that this same group o f Phoenix Financial Services a nd  XXXX   XXXX   XXXX   XXXX   XXXX  have scammed other customers and ruined their credit to make them pay something they never owed in the first place.  One  customer stated " When I received the " original charge '' fro m Phoenix Financial Services, I found that Phoenix ha d obtained my information from  XXXX   XXXX   XXXX   XXXX   XXXX , including my name, credit card number and social security number. I then checked my records for the  XXXX / XXXX / 2013  emergency room visit and found that I had paid the {$65.00} at the time of service. The charge on my credit report was false! ".     This is what I believe has happened to me. I do not owe this money. I believe that  XXXX  is to blame and is in this wi th Phoenix Financial. Phoenix th en split the charge  XXXX  gave them and reported me to  XXXX  and I am not sure if they have to anyone else. They created  XXXX  Accounts and acted like they were doing me a favor by charging me less while not notifying that they have also reported the {$1000.00} they were claiming to give me off as another delinquent charge.     Should I call them? I was instructed by my Mortgage Company to contact CFPB first. This is a scam that has hurt my credit. The removal of these  XXXX  charges would move my  Credit Score fr om  XXXX  to  XXXX . That makes a huge difference in what I qualify for. Can you please help me! My name is  XXXX   XXXX . My email is  XXXX  XXXX  XXXX  and my  Mobile  number is  (   XXXX  )  XXXX .
I, XXXX XXXX  request for a full disclosure on ownership on a debt stated by Citi Cards that it has been sold/acquired by a third party. My argument is complicated but on point. In every state there are specific requirements on debt transfers. Even though the state of New York outside the boroughs of XXXX XXXX XXXX does not have a specific licensing requirement for third-party debt purchases, the problem remains a national nightmare since the XXXX et al v. XXXX XXXX XXXX XXXX decision US Supreme Court No. XXXX Decided XX/XX/2017. I now have no choice but to take my complaint to the Office of Attorney General state of New York. The CFPB does not give legal advice, but the problem remains current in the third-party debt purchase business. The debt as a stated purchase can not be acquired as the probability is 100 % that the original debt is part of a securitized trust. Citi Cards has no position to sell off the debt, only the rights on assignment to collect. This collection is already a complete falsehood. I hereby attach a similar disputed process on the collection process and require a full qualified written request of the original procurement of debt. The Federal Trade Commission also has a strict mandate on ownership transfer FTC v. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). The main issue on that decision is quite certain, the transfer on debt purchase must be proved, not by a simple letter from the original that the debt was sold. This lack of documentation will not stand in any state court for collection enforcement purposes. Accordingly, since Citi Cards has erased the debt from my personal credit reports, either by deletion of the account or by updating to a XXXX balance, they can not take the debt back into their own loss mitigation unit. The collection is a complete farce and must be purged permanently. The requirements on such a collection within the state of New York have also been broken. I have attached several items to this complaint for the Consumer Financial Protection Bureau review. My argument is solid and the debt purchase arrangement is fraudulent and baseless.
I was informed by my credit reporting agency that I have negative reporting on my credit report dated for the month of XX/XX/XXXX   XX/XX/XXXX  and XX/XX/XXXX  from   XXXX   XXXX   XXXX   it showed that i had missed payments / late payment made on my account and it was reported to the credit reporting agencies showing an negative impact on my credit I have contacted   XXXX   XXXX   XXXX   on numerous occasions trying to get this problem resolved on my credit report I have finally sent them copies of thier own records showing my payment were made on time but they have not yet responded back or reported my payments were made on time i have been corresponding back and forth with   XXXX   XXXX   XXXX   but they just keep giving me the rum around over and over.
Restructured 7 yrs ago while in financial and terminal health crisis. Struggled through laborious process and ended up with a usurious 2nd mortgage with a baloon note. Husband died and I lost 60 % income. Mortgage now is over XXXX monthly income. Have been approached by company claiming to resolve the XXXX underwater position by getting mortgager thru TARP fundes to forgive XXXX. Offerring 2 % fixed over 40 yrs to a XXXX yr old widow if I pay XXXX for their service of applying with mortgager after minimal preapproval data provided. Language of " retainer '' contract indicates failure to provide any further documentation by deadlines can render contract void and no refund of retainer. My children think this is a scam but I am hopeful that there is at least partial truth in the availability of principal reduction with government assistance. I am not impoverished. I have XXXX per yr income but a significant debt structure. I have reduced the XXXX consumer debt my XXXX husband created to less than XXXX today. I am current on all payments but going XXXX in hole each month with only XXXX savings of any kind. I might survive financially another 6 months before having to declare bankruptcy which I consider lacking integrity. I want to pay back reasonable debt but hope that the predatory lending of my mortgager might be remedied to a more reasonable amount. XXXX was the mortgage before real estate market imploded - I have been told FMV is now XXXX. I have a 10.65 % 2nd mortgage with a baloon due in XXXX the 1st mortgage is 4.65 % for XXXX over 40 yrs due XXXX. I need help finding a resolution with integrity. If I must leave my home, I 'd like to do it with dignity. My hope is to keep the property.
Our adjustable mortgage has become unaffordable for us. 
1. Because we lost significant employment in 2014. 
2. One of us has just retired, the other is semi-retired. 
3. We asked our mortgage company for a mortgage modification and they refused. 
4. We listed the house for short sale, and the mortgage company continues to refuse the offers. 
5. Now we 've learned that they 've put this house up for auction, claiming that we consented to that. However, we never knew that we did. We believe that " consent '' was hidden the short sale agreement deceptively. 
6. We have stopped making our house payments effective XX/XX/XXXX as a result of all this. However, we want to stay in the house. 
7. We have called the mortgage company repeatedly asking to speak to someone about renegotiating our mortgage, but they never call back. 
8. They have revised their Website. We can no longer log on to our account or obtain any of the correspondence we had posted with them there.