WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX. In XX/XX/XXXX I became unemployed because of a XXXX XXXX. I suffered another XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX was the last date I made ANY payments on any credit cards that I had at that time. According to the Texas Attorney Generals Office, in the State of Texas the Statute of Limitations on credit card collection is Four ( 4 ) years from the last payment made. Therefore, this debt that I am referring to, has not been able to be collected since XX/XX/XXXX. 

In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, located in XXXX, Texas. They said in that letter that if I did not pay the amount owed, ( there was no amount listed ) within 45 days they would be forced to file suit against me with the Clerk of Court for XXXX, Texas County of  XXXX. I contacted them and informed them that I no longer owed this debt as the SOL had expired the year before, and furthermore I did not live in XXXX XXXX. A couple of weeks later, I received another threatening letter from them. Once again, saying that I had 45 days to pay or a suit would be filed against me. I contacted the Clerk of Court for XXXX XXXX, even though I live in XXXX County, and was told to ignore it. They told me this because of past dealing with XXXX XXXX  XXXX, that they were notorious for using threatening tactics. I never heard from XXXX XXXX  XXXX again. 

Now, XX/XX/XXXX, seven years since I last heard from them, they are once again sending me letters stating that I have 45 days to respond and pay, ( once again, no amount is listed ) or they will file suit against me with the Clerk of Court for XXXX County Texas. Again they have the wrong county as I live in XXXX County. This time they enclosed a copy of the letter that they sent to the Clerk of Court and I have the Attorney of records, name XXXX XXXX XXXX Texas Bar Number XXXX Admitted to the bar in Texas on XX/XX/XXXX The law firm who continues to harass me with these letters is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX I contacted XXXX XXXX on XX/XX/XXXX and explained to her that the SOL had expired on this debt and that it was no longer able to be collected. She told me, and I quote, " I 've never heard of a Statute of Limitations. All debts can be collected until payment is made. '' I also sent them a certified letter stating the above information. I never heard from them again, either by mail or by phone so I thought the problem was over Today, XX/XX/XXXX I once again received a letter from XXXX XXXX  XXXX, with XXXX XXXX XXXX listed as the attorney for the Plaintiff. Once again, stating that they would file XXXX XXXX me with the Clerk of Court in XXXX County Texas within 45 days. In this letter it states : LVNV Funding LLC v XXXX XXXX, Cause Number XXXX, in the Justice Court, Precinct XXXX XXXX XXXX XXXX XXXX. Once again, I do not live in XXXX County. 

I have been on the Internet and have read one consumer complaint after another about this law firm and how they totally disregard each States Statute of Limitations regarding collection of credit card debt. They use harassment, both with phone calls and letters. 

Thank you XXXX XXXX
I have a bad experience to DMB financial credit counseling collecting my XXXXXX/XX/XXXX toXXXX.after recieving the collection letter and letter from the court I fax all yo them, they said dont worry we take care of this until, I revive one call from DMB they said is settled, every time tried to apply loan they ask me why I get behind " I said I do n't know I pay every eng of the month I said '' I call them again and answer me I do n't know you pay XXXX a month.until I got the garnishment letter XX/XX/XXXXi fax that letter to them and they work on it.I 'll wait for how many days but no one answering my question, so I went to credit adjuster ask them why I get garnishment.the answer is they stop tha payment since XX/XX/XXXX to XX/XX/XXXX I ask the DMB why the answer was shock me my tear drops, shaking and yelling them because is not been settled my principal loan increase and telling me I 'm not in the program anymore.
My payments going towards 0 % first and payment not being applied to high interest rate of 25 % from bank of america.
I want to file a complaint to report how paying off my mortgage with XXXX has damaged my credit report. I had two offers of payment rejected. The first was an offer of total payment of {$14000.00} in two checks ( 1 ) was check # XXXX for {$12000.00} & ck # XXXX for {$1500.00}. dated XX/XX/XXXX.This offer was rejected by Green Tree XXXX 
A second payment was tendered to Green Tree cashiers check dated XX/XX/XXXX in amount of {$17000.00}. Was mailed return receipt. This offer was rejected. Attorney XXXX of XXXX., XXXX FL XXXX handled negotiations and is holding the check. It has been since XX/XX/XXXX and this lingers on my credit report. I have copies of check if you need confirmation. 3 years later I pay my taxes and insurance while my loan continues to be sold to different mortgage companys constantly selling the loan. XXXX sold to Green Tree who sold to DiTech and etc. 
This damage to my credit after paying loan off continues to linger on my credit and needs resolved so I file this complaint.
The credit reporting agencies ; XXXX, Equifax and XXXX are reporting a public Record Bankruptcy which is inaccurate in it filing. The CB 's are stating that the information has been " VERIFIED '' according to XXXX and the bankruptcy court. Both the XXXX court of Clerks and Lexis Nexis have verified that the information is NOT reporting therefore is NOT VERIFIED. According to the law and my rights under the the law of the FCRA, Consumer Debt Law and the Public Record Act, if the information stated is INACCURATE IT MUST BE REMOVED or provide material evidence of who, how and where it is reporting!! I am requesting that the CFPB advocate for me in this matter.
Account is result of an identity theft, I have no knowledge about the account filed with Bank of America with the amount of {$310.00}, XXXX listed under my credit report. Issue was brought up with the bank 4 times already without any solution.
I received a notice from XXXX that they were filing a lawsuit against me for payment. I stayed on the phone to avoid judgement and we agreed on payment terms on XXXX XXXX, 2015. On XXXX XXXX, 2015 XXXX ( representing XXXX XXXX XXXX ), XXXX sent me a agreement for a judgement stipulation eventhough we did an early intervention. 

Secondly, XXXX XXXX XXXX passed another loan to Forster and Garbus. On XXXX XXXX, 2015 I was informed by my mom that XXXX men entered her home yelling for me, and left a card. I took the time to do research to see if there was any case about me. I found Forster and Garbus. I informed Forster and Garbus I was not resident of New York and was willing ot work out a payment arrangement of {$200.00} month for 10 years. I was assured by the young lady that the attorney was going to get back to me however, no one got back to me. 
I called again, but instead I got a letter from the courts the were going to garnish my paycheck regardless of my agreement with Forster and Garbus.
I initiated the transfer of money to my home account in XXXX on XX/XX/2019 through Western Union via XXXX to my family account. The money transferred {$1100.00} went into Compliance check very next day and I submitted information asked by them. Later I got reply that this process will take up to 5 days, but even after 20 days I have not received any update on the same or any reply to my multiple messages.
transunion credit report web suite does not work making it impossible to order a credit report on line as they advertise. there is no way to contact them toresolve this.
My credit report continue to show incorrect and false information for me. My credit was used previously in the past fraudulently and I want to prevent this from ever happening again. I have been trying to have my name and address corrected on my Experian and XXXX credit report but the incorrect information still remains.
During the past 2-years I have experienced extreme incompetence in the servicing of both my home mortgage loan ( XXXX ) and an equity loan ( XXXX ) as well by Navy Federal Credit Union ( " NFCU '' ). In the past, I would call NFCU 's mortgage department and/or customer service and request transfers from my checking account to pay both loans. Unfortunately, due to several frustrating and harassing calls by NFCU 's mortgage department stating that my accounts were delinquent, when in fact they were NOT, I ceased calling-in to pay both loans via telephone. Over the years NFCU consistently would assess late fees and call with harassing requests that were INCORRECT. I began going into the branch and making both loan payments directly with the tellers at either XXXX and/or XXXX, MD branches. Unfortunately, these same incompetent ERRORS continue to happen! I received a harassing phone call from NFCU stating my account is delinquent when in fact the teller incorrectly applied the payments on the same day that I make BOTH payments. Late fees are accessed that are based on NFCU 's errors and attempting to get clarification from NFCU representatives proves frustrating and often unbelievable. Their technology is obviously not advanced to meet the simplest demands from clients/customers, nor capable of actually reflecting accurate payments. It is an antiquated NFCU practice to make a loan payment, funds must be transferred from an existing account, thus, prohibiting direct cash payments when in a branch, and I strongly believe this creates confusion for the tellers. 

Bottom-line, I want ( 1 ) an accurate statement per loan listing each and every payment I have made within the past 2 years, and ( 2 ) removal of all late fees. Additionally, I want ( 3 ) a separate statement providing full disclosure ( dates and corrections ) of the incorrect application of funds to either the equity line or mortgage loan payments. Today I spent over an hour on a call with a NFCU mortgage representative, XXXX ( XXXX ), who had to transfer to a mortgage supervisor, XXXX ( XXXX ) and both were more confused than I was with the status of my loans and the application of my payments. XXXX even questioned why late charges were not applied to my account when in fact my payment have been made in advance or due dates yet NFCU 's mortgage system does not accurately correspond with the checking account records ( which lists the actual transfers from my checking to pay the loans ). 

The customer service has been unbelievably inept and amazingly automatically accuses customers of being delinquent when in fact they are NOT DELINQUENT. A customer MUST keep all receipts received from the BRANCH because the information placed in NFCU 's computer system/technology by the NFCU 's inept representatives does reflect actions taken by consumers. NFCU should be placed on some form of regulatory supervision and it should be publicized so that all customers are aware of the magnitude of dysfunction that ends up costing the customers and being profitable to NFCU.
XX/XX/XXXX- I submitted my second modification request. The first was denied because Chase said they didn't receive papers which I sent to them. I verified this with them. 
XX/XX/XXXX- I spoke with CHASE Representative XXXX XXXX and discussed what additional information was needed to submit the modification packet. 
XX/XX/XXXX- I am contacted via mail solicitation by several Attorney 's offering to represent me because CHASE filed a foreclosure on my property. 
XX/XX/XXXX- I write a letter which I faxed and sent certified USPS requesting they stop the foreclosure because I am in a modification And I inform them I am willing to work with them to sell my house if I am not given the opportunity to modify my loan. 
XX/XX/XXXX- I speak to XXXX XXXX , at CHASE, she assures me there was a mistake and I am not in foreclosure and can move forward with the modification. 
XX/XX/XXXX- I speak with XXXX XXXX XXXX , CHASE Executive Office, she informs me she can not discuss the loan because there is no authorization form. I have been talking with CHASE since the inception of the loan and an authorization from my ex husband has been on file since XX/XX/XXXX!  I was a signer on the original loan, but when we did the first modification, which we successfully completed, the CHASE Representative told me it would expedite the modification if it was I'm my Ex husband 's name. At that time I owned 75 % of the house. Since the divorce in XX/XX/XXXX, I am 100 % owner and the deed was recorded solely in my name. Now she won't speak to me? I have explained my situation to chase in my hardship affidavit and speaking with the Representatives on numerous occasions. She did not bother to check the records. 
XX/XX/XXXX- I received a notice of default and election to sell and a Declaration of Compliance from Quality Loan Service , Corp. stating they contacted me to discuss foreclosure options. This is not true and they are violating Cal. Civil code Section 2923.5. They did this while I was in a modification process which is also illegal. 
The loan amount they quoted is also incorrect. 
They claim in the paperwork I owe {>= $1,000,000}. This was the original loan amount before I completed the first modification. The amount I now owe is approximately {$750000.00} These are gross errors on their part and they are unethical unfair business practices. 
Clearly, they are telling me one thing and doing another in an attempt to take my house which I have struggled to keep for 12 years.
Hi, Discover is engaging in false advertisement and tricky practices, taking customer for a ride by using the XXXX XXXX XXXX % cash back promotion. They say that they will give 10 % cash back on purchases made by XXXX pay. Seeing this consumers like me go to the stores which accept apply pay. At the checkout the XXXX does not work as the card is getting declined. The merchant shows that similar apple pay transactions work fine with other credit card companies. This problem is only because of discover. Already since I have waited so long in line I go ahead with the purchase and pay using manual swipe of the card. Also at the same time I call discover customer service and they confirm that problem is with them. Also they agree that they will compensate the customer for the lost cash back bonus. On subsequent follow up they do not agree to credit the bonus as per the promotion and only apply 1 time courtesy bonus of XXXX % which is way less the XXXX % promotional bonus. This is completely unethical and cheating.
Southwest collection services used an address I never lived at to communicate a collection I found out about through my credit monitoring service. They said they can not remove the account even though i verified payment because they said only comcast can do that. I faxed verification of payment to both of them but no one takes action. XXXX opened a trouble ticket but does not have a phone number to discuss concerns if you are disputing a collection so I have no way to discuss resolution of this with even though I faxed in proof of payment it is still sitting on my reports with the bureaus.
I have both federal and private loans with Navient. I borrowed over {$70000.00} from approximately XX/XX/2003 through XX/XX/2006 for XXXX school. I have been paying on these loans since XX/XX/2007 and have had a few economic hardships and filed a few deferments since XX/XX/2007 ( some derferments due to low income and some due to my XXXX 2 years ago whereas my income was low ). Due to high interest and late fees, my principal balance still remains to be approximately {$73000.00} after 10 years of paying towards my loans. Thanks, XXXX
Received instant credit from Macy 's in-store and purchased items. Macey 's failed to deliver a bill, a card, or any method to check account or pay until AFTER the due date, but still assessed late fee. Immediately upon receiving bill I attempted to pay online, but their system remained down for a full day. Even though i paid the amount in full AND the inappropriately charged fee, they STILL assessed an additional interest fee. they agreed to close the acocunt. I am receiving this treatment as a direct result of my being XXXX address, and the company not getting initial card or bill to me in a reasonable amount of time before due date.
EQUIFAX is reporting that I was 30 days late in XX/XX/2017 and I was not late what so ever. I 've dealt directly with equifax on this and nothing has happened yet. I had a vehicle paid off, and the creditor was XXXX. The payment was sent and was processed before the XX/XX/XXXX deadline. The lender has stated that they 've fixed the problem on its end and that Equifax is the only one that can update it. 

This has been very frustrating bc I also have some fraudulent charges on my report that experience yet to address or even respond with. I have tracking numbers and dates they received my documents if I need to provide this. 

I 'm trying to buy a house for me, and my girl and this issue is killing my score. I have paid everything on time, and I go to pay off than the late hits. I need experience to processes my documents and remove this so I can move us before the lease is up by XX/XX/XXXX. 

Thank you,
I have a recurring debit of {$12.00} that is being withdrawn from my  XXXX    XXXX   XXXX   XXXX   checking account. The debit card servicer is  XXXX .     I am having to submit a claim every time this recurrence hits by checking account ( it has been 5 times already  ). F urther, the bank is having to inactivate the debit card and reissue me another one. This takes up to 2 days.     The bank is saying that I will have to CLOSE MY BANK account and REOPEN another one?? I have travel for work and I will have to resubmit to my employer, a new direct deposit submission ( which will take A MONTH ) for my new direct deposit to be in effect. Further, my employer will have to send PAPER checks to my Corporate office and I will have to physically pick it up. I ca n't do this traveling for work!     I 've had this account sinc e 2006 and n o one at the bank can do anything to stop it. They tell me it 's the  XXXX  company. So I called  XXXX , put in my debit card number AND IT AUTOMATICALLY REDIRECTS ME BACK TO THE BANK!     I CA N'T TAKE THESE INCONVENIENCES ANY MORE!! I 'VE PUT IN CLAIMS 5 TIMES ALREADY, BEEN ASSIGNED  XXXX  NEW DEBIT CARDS IN 4 MONTHS AND NO ONE CAN STOP THIS RECURRING ( UNAUTHORIZED ) CHARGE!! ALL OF THIS FOR A {$12.00} CHARGE THAT I DID N'T AUTHORIZE?? PLEASE HELP!
My credit score recently showed a significant decrease, so I ordered a credit report from all three credit reporting agencies. TransUnion shows 10 adverse accounts that are in collection status on my credit report that arent my accounts. Reading the report further, I discovered that TransUnion also added a new name to my credit report. That name belongs to my son, as do the collection accounts on my report. No effort was made by TransUnion to verify that this bad debt was even mine before placing it in my credit report. It is obvious that TransUnion received some information regarding a bad debt for someone with a similar name, using my mailing address and then took it upon themselves to just assign me an alias and the bad debt. No effort was made to verify the information being placed in my report was actually mine. Is there no such thing as due diligence when conducting such a transaction? I called TransUnion today, XXXX to address this matter and after having to explain the problem multiple times, was told that they will look into it and for me to check back with them. They would provide no reference number or claim number to assist me and stated that I just needed to call the regular customer service number to check the status after 5-15 business days. The last person I spoke with refused to let me speak with a supervisor or provide me an alternate number where I might reach a supervisor. The manner in which this information even got on my credit report is cause for great alarm. If the credit reporting agencies arent using more care and diligence than has been demonstrated in this scenario, they should not be able to operate. These reports have a serious impact on consumers livelihood and should be protected against trashy input from the company that is storing and providing reports.
Transunion is reporting chapter  XXXX  bk on my credit report on  XXXX   XXXX ,  2015 . I have send information from bankruptcy court stating courts do not verify a bk and transunion continues to report a bk on my report. This is the only bureau that reports this. They refuse to remove with the proper documation submitted
Today I received a 2nd call from XXXX ( XXXX XXXX XXXX ) regarding an alleged debt they are trying to collect on. 

Today however, they called my son ( how did they get his cell phone number? ) who called me and gave me their number so I called them to find out who they are. A lady answered " XXXX '' and I asked my questions, ( who they are, what they do etc ) after answering my questions she asked " can I get your name? '' I replied " No, I just wanted to know who you were '', as i went to hang up the phone she says " wait are you XXXX? ". Now I would like to know how she knew who I was since I was calling them from my employers land line. 

Also, when she asked me to confirm the last XXXX digits of my social, which she had correct, she stated this was for some outstanding debt from many many years ago, I said that they had called me before, about a month or so ago and this was illegal, she responded with " no, we just bought this debt, we 've never called you before ''. I then asked how they could " just '' buy a debt that had been paid in full or dismissed in a bankruptcy 10+ years ago and of course she says she does not know and will remove my name from their list. 

Now I understand there are bottom dwellers all over the world, as well bad debts, but this and all debt collection processes are regulated by federal & state law. I believe it is time for these people to answer for their blatant disregard for those Federal & State Laws as well as their deceptive scare tactics and lies. 

They have multiple complaints filed with the XXXX which they are not members of as well as multiple complaints filed with various agencies around the country and lots of bad reviews. Their online presence also consists of several fraud warnings suggesting they are a " scam ''. 

I would like to see these guys either put out of business or seriously fined for their illegal acts if they are a real business or arrested if they are a scam. 

The information they provided me is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX Phone : XXXX FAX : XXXX