WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX as XXXX XXXX XXXX ) is committing fraud in their serving process. According to their client Patenaude and Felix, I was served properly on XXXX XXXX with a lawsuit by a person named " XXXX XXXX '' Upon calling and searching for a way to contact XXXX ( as XXXX XXXX ), I have asked for the full name of this person who supposedly served me which leads to a circle of the attorney for Patenaude and Felix XXXX XXXX and XXXX ( as XXXX XXXX ) telling me to call the other party about the server 's full name. 

I am at my wits end with this matter, due to the fraudulent service of this company 's employee leading to a default Judgement against me from a lawsuit that I was n't able to defend myself from. 

The fraudulent service in question is listed on the sheet as being in person on XXXX XXXX, however in addition to this being completely false, the description of the person listed on the process form is false. 

The company 's name is listed on the documents, however they company wo n't give me the person 's full name, their client wo n't give me the person 's name by telling me to refer to the Proof of Service form. There also is n't a signature on the form from theThis company is acting fraudulently and XXXX ( as XXXX XXXX ) should be found liable for violation of the FDCPA for falsifying information on legal documents in order to obtain a false judgement. Even the phone number that was listed on the legal documents was false.
I received a voicemail saying that I was trying to be contacted and if the message was not returned, paperwork would be filed with the local county authorities. I returned the call within 30 min and was informed that I was being prosecuted for writing a bad check for a loan. Later in the conversation I was told the company I was speaking with was Coastal Collections. When I asked details, I was told that the date was in 2013, the amount {$450.00}, and it was for XXXX XXXX. When I asked for contact information for XXXX XXXX, who I have never heard of, I was told I could not have that information. I have never taken a loan for {$450.00}, written a bad check, or been notified of this being a collection against me. When I asked when I could expect documentation from XXXX, Coastal Collections said it was up to XXXX, but I could expect a subpeona soon and could fight this in court.
am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im trying to buy a house
For roughly 5 months I have noticed that there has been an incorrct credit report in regards to an auto loan I had taken with navy federal bank in XXXX. Whenever I made a payment it would not reflect on my credit score, therefore stating that i owe more than what i did. On my credit report it would also state that the last update was done sometime in XXXX XXXX. Approximately 2 weeks ago, I had called navy in regards to this issue and they made no efforts to resolve this issue. It has bought my credit score extremely low, and other creditors have lowered my credit card limit because of my credit score. My credit score currently says I owe XXXX. But my account balance with my bank says I owe XXXX which is the correct amount. I would really appreciate an investigation on this matter. Thank you
I filed a credit card dispute with Wells Fargo VISA for {$1800.00} on XX/XX/16 for a dining table that I purchased from XXXX XXXX XXXX. The table was defective and not what was promised to me by XXXX designer. The merchant returned the table but was charging me a 30 % restocking fee, which by law is wrong. I received notification from Wells Fargo that the dispute investigation was completed on XX/XX/16 and my claim was declined stating, We are unable to obtain a refund on your behalf because your dispute falls within the merchants pricing and policies, which we have no authority to change. I not only didnt get the 30 % restocking fee refunded, but Wells Fargo did not recover the money owed to me for the returned table. I question this outcome with many phone calls and many reinvestigations were done by Wells Fargo and they continued to responded Theres nothing more we can do. They stated I would have needed a 3rd party who works with furniture to verify the table was defective. So, I contacted Signature Designer Services the company that delivered and picked up/returned the table and obtained a letter from them verifying the table was defective. When I attempted to submit the verification letter to Wells Fargo, they stated I missed the deadline of XX/XX/16 and said the case was closed. Wells Fargo told me I would need to get the refund from the merchant on my own. I took the merchant to small claims court for my refund. At court, I was given papers from the merchant showing she had arbitrated with Wells Fargo, which I was unaware of. The merchant told the judge in court she won in arbitration and I recovered {$0.00} from the court. At home, I looked closer at the arbitration papers and noticed there was no arbitration ruling only pre-arbitration. I called the Dispute Resolution Department so I could get a copy of the arbitration ruling but was told there was no arbitration ruling. They stated Wells Fargo missed the deadline and failed to turn in the needed documents on my behalf, which resulted in the case being closed. The pre-arbitration information clearly states Wells Fargo failed to receive sufficient documents from the merchant to prove her side and they were proceeding with arbitration. This dispute was never arbitrated but closed because of Wells Fargos failure to submit the documents needed on my behalf. Wells Fargo lost arbitration because of their own mistake and then recharged my account the {$1800.00} I was refunded during the investigation. I should have been refunded the money from the dispute and should not have to pay for the banks failure to do their job properly. This is dishonest and unethical.
I leased a 3 series on XXXX/XXXX/17 and setup my online account after receiving my first paper statement to make it convenient for payment scheduling. Then after a few days I received an email for an X1 with someone elses account information on it, I logged in to my account online on XXXX XXXX website and it showed someone elses information on my account and I was unable to locate my car or information there. I have called BMW financial infinite times at XXXX but they keep giving excuses and keep giving me the runaround. Hence I have decided to file a complaint against BMW Financial as its criminal negligence on their part as I being a customer is dedicated to solve this issue and they dont care about it.
Opened a pay day loan in XXXX with XXXX. Had several before and paid them all off when payment was required. The last one I took out in XXXX, I was unable to pay back at the time due to hardship. They sent it to collections and kept transferring it from one collection agency to another. In XXXX, XXXX XXXX XXXX called me and I was finally able to pay it back. They told me they owned the XXXX loan now and we negotiated a settlement in good faith. I sent a certified check in the amound of {$800.00} and it was paid in full and satisfied. Letter attached. Over the years several other companies call me and want to collect on the same exact debt. I fax them the paid in Full letter and they leave me alone. Well, this awful company, Midwest Recovery Systems, LLC, never called or emailed me or anything. They just opened a collection entry on all of my credit reports. I called them immediately very upset and sent them by fax and email the paid in full letter and every time I call them, they say they never received it and I feel this will never get taken care of. Please help. They are scammers and I did pay it off in good faith. These companies just keep selling old debt even if it 's paid in full. I called XXXX this past Monday and they verified with me that this is the same account number that Midwest Recovery Systems is trying to collect on. Please help get rid of these scammers and fraudsters. Thank you. XXXX XXXX
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. I 've contacted this company a total of 3 times in regard to this matter. This account is also reported multiple times on several bureaus.
In XXXX XXXX, I purchased a new XXXX XXXX, and obtained financing with Fifth Third Bank for {$12000.00}. After setting up automatic withdrawal from my checking account, in XXXX XXXX, I changed banks. I transferred the automatic payment from the old account to the new XXXX, but the withdrawal was delayed through no fault of mine or my bank ( XXXX XXXX Bank XXXX. Nevertheless, it got squared away ; and I made XXXX payments through the XXXX XXXX XXXX to get the account squared away. 

The second major discrepancy occurred in XXXX XXXX, when I called to stop the automatic payment program, and requested Fifth Third Bank ( FTB ) to send me a monthly payment coupon book. I never received the payment book, and a couple months later, a repossession company attempted to reclaim the truck. I called Fifth Third, asking why I had not received the payment coupon book, but they were clueless. I made XXXX payments to get my installments up to date, along with a {$160.00} late charge. 

This XXXX late payment has continued to generate a {$20.00} late charge, not just once, but EVERY MONTH since XXXX. Paying a {$20.00} late charge because XXXX payment did n't occur is okay, but having it continue to accrue is unacceptable. 

On XXXX/XXXX/XX/XX/XXXX, I wrote to XXXX XXXX, XXXX at Fifth Third Bank ( FTB ), regarding the situation, but never received a reply ; On XXXX/XXXX/XXXX, I wrote to XXXX XXXX, also in the Office of XXXX FTB, but never received a reply ; In XXXX XXXX, I spoke with XXXX XXXX, also in the Office of the President at XXXX. 
On XXXX/XXXX/XXXX, I sent XXXX letters by certified mail to the XXXX individuals named above, along with a detailed XXXX spreadsheet I created listing all the payments I made, including the Late Charges FTB generated, and noting where the Principal payments were erroneously applied to the interest. 

In XXXX, I called XXXX XXXX. He informed me that he had received the spreadsheet, was analyzing it, and was required to reply by XXXX XXXX. On XXXX XXXX, I again called him, and he gave a vague response, acknowledging that his response was not forthcoming. 

All I have received since sending in the spreadsheets and talking to XXXX XXXX is a XXXX history of my loan payments, along with a form letter saying y account is seriously delinquent. FTB 's deplorable customer service is exemplified by the following four notices:1 ) On XXXX/XXXX/XXXX, my balance due was {$580.00}. 
2 ) On XXXX/XXXX/XXXX, my balance due was {$780.00}. 
3 ) On XXXX/XXXX/XXXX, my balance due was {$650.00}. 
4 ) On XXXX/XXXX/XXXX, my balance due was {$460.00}. 
It would be expected that the balance due would increase in time, but this fluctuation up and down is beyond confusing. 

I have spent a long time looking over the XXXX pages of my Installment Loan history, which I have copied and enclosed. I numbered each payment, and transferred all the amounts to an XXXX spreadsheet to get some totals. I hope you or someone can make sense of the figures.
I took out a home equity line 3 years ago but rarely used it. I was accessed a {$50.00} annual fee each year. Upon calling on last XXXX occasions the fee was refunded. The bank branch manager had assured me that even if I do n't use the XXXX line, my fee will be refunded. Upon calling this year, my fee was not refunded and the customer service agent recommended that I close the Home Equity line to avoid the fee in the future. I agreed provided that my annual fee was refunded. The agent was quite rude and refused to refund the fee. I told her to close the account. 
I complained to the bank 's online customer service agent and was given a brush off in the form of a standard e-mail response. I request that the fee be refunded to me now that the account has been closed.
I have contact the companies by certify mail reporting derogatory information, I refuse this account to be mine and report them as fraudulent, Some creditor/ collections agencies, promise close accounts and update to all major credit bureaus withing 90 days but of these was follow,
XXXX XXXX advertisement is filled with false rates. The advertised rate is not anywhere near the actual rate that they will offer.
Chase is not allowing us to explore all loss mitigation options. 

They offered a shortsale and now are not giving enough time to do one. 

XX/XX/XXXX Chase We Received letter confirming ; receipt of request & valuation report. as part of request for mortgage assistance.
XX/XX/XXXX XX/XX/XXXX Our follow up call to Chase! It 's too late, sale date of XX/XX/XXXX XX/XX/XXXX Letter received confirming my request XX/XX/XXXX. and their commitment to research update and resolve request by XX/XX/XXXX But Foreclosure notice for the XX/XX/XXXX Yet XX/XX/XXXX Letter received XX/XX/XXXX Postponed sale until XX/XX/XXXX No response from Chase therefore Not enough time
I am unable to receive PERSONAL CALLS on my job as which, has caused problems for me. I requested a CEASE TO DESIST effectively immediately from all telephone calls via my place of employment, family members, personal cell phone call, references, etc.. because right now I am enduring a personal matter to include the death of a love one, financial hardship, etc. but will do what is right as soon as my financial hardship ends. However, XXXX XXXX  contacted my place of employment on today, XX/XX/XXXX at XXXX XXXX  and turned around and contacted me via my personal cell phone on today, XX/XX/XXXX at XXXX XXXX. I have documentation.
My name is XXXX XXXX. This is a formal complaint against Experian for refusing to remove a discharged bankruptcy from my credit report that does not belong to me. My report says that the identification or account number for this bankruptcy is # XXXX. This is not my first dispute against this item, I have been fighting tooth and nail with Experian trying to get this removed for years. First of all, this account is only being reported on my Experian file. There is no record of a bankruptcy on XXXX or XXXX. This says a lot because if I really would have filed a bankruptcy in XXXX, this would also be showing up on my other two credit reports but it never has. I am attaching a screenshot from a recent report which shows this fact. Second, there are no negative accounts listed on my report that show any indication I ever filed for bankruptcy. How can I have a bankruptcy if there is nothing listed on my report to suggest I ever did? This should be very straightforward but is something Experian has continued to ignore in all of my past disputes. Last and most importantly, I have contacted the XXXX XXXX Bankruptcy Court to the XXXX number provided in Experian 's responses. The information they have does not match my personal information. I was told I would need to dispute this with Experian in order to get this removed. If all this is true, how can Experian respond to my dispute verifying that this is my account? My dispute is being disregarded as frivolous when it is really Experian failing to process my dispute properly.
Equifax and XXXX have denied my request to block the fraudulent information reporting on my credit file resulting from identity theft. Pursuant to section 605B of the FCRA, any information resulting from such identity theft must be blocked. I included my affidavit and police report as well as my identification. These items do NOT belong to me and I did NOT open these accounts or ever apply for an account : XXXX XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section XXXX of the FCRA XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA These inquiries are resulting from fraud : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
On XX/XX/18 I called XXXX XXXX XXXX XXXX XXXX XXXX   at XXXX XXXX XXXX concerning a previous medical debt. I had not received ANY statements from XXXX  and wanted to know what the status was. I spoke to XXXX, Supervisor and asked about the debt. She said I owed money. I told her I never received statement and wanted verification of the debt. She replied that since I called that showed I was aware of the debt. She said I needed to pay in full and if I didn't they would report me. I told her that I hadn't heard from them in months and now I have to pay in full for a debt I'm not fully aware of? Our conversation became heated. I said that I would pay the debt in full right now. XXXX refused to accept payment. I had to call later that day. I spoke to XXXX. She accepted payment in full for {$99.00}. I received a letter from XXXX noting the recent payment but for the wrong amount. The amount I paid is {$99.00}. The letter reads {$40.00}. This account has been paid in full.
On XXXX I received a postcard from XXXX XXXX XXXX XXXX requesting that I update my address with them, I called and I was told that I had 2 accounts with XXXX XXXX XXXX one was XXXX and the other one was in XXXX.And the amounts was {$640.00} and the other one was for the amount of {$170.00} cents, I explained to the rep that if I had owed that amount, I would not of been able to receive service with XXXX XXXX XXXX , and my services is active.She then stated that in XXXX I had agreed to pay, I then stated to her that is incorrect, I have never agreed to pay, and I am not agreeing to pay.I also informed her that XXXX XXXX XXXX is not showing on my credit report.I also called the Office Of The President Of XXXX XXXX XXXX and informed her of what Portfolio Recovery had stated and she then reached out to the XXXX XXXX XXXX collections and  Mrs.XXXX XXXX called me and stated to me that she had found something, but it was not in collections and she could not make me pay, and that XXXX XXXX XXXX does not use Portfolio Recovery as there collection agency, and she stated that she would be happy to back me up, and I needed to file a complaint on Portfolio Recovery.In XXXX I had received a letter from a attorney recording a class action lawsuit against them for calling people and harassing them.I have had several accounts with XXXX XXXX XXXX and I have never been told that I have to pay a back balance in order for me to receive services with them.Once again they is trying to start harassing me on something that I does not owe.I have changed my last name due to getting married back on XX/XX/XXXX XXXX.My name was XXXX XXXX, and now it is XXXX XXXX.
My ex husband refinanced his house on XX/XX/XXXX and WFG is the title company with XXXX XXXX listed as the Escrow Officer. After a conversation with the District Attorney and also a private family law attorney that was representing me in a civil matter with XXXX XXXX, there was concern as to how this refinance could have possibly taken place with a judgement/lien for over {$8000.00} in unpaid child support. In addition it was discovered as XXXX testified in court that that more than {$15000.00} was issued as cash payment to XXXX XXXX as part of this transaction. None of which should have taken place without the child support judgment being paid first. She did indicate that another judgment had been paid but did n't indicate what that judgment was for. I am currently owed more than {$20000.00} and this transaction seems to have been fraudulent. 

I have pulled the public records to confirm the title transfer. If indeed the previous title and the current title are in XXXX XXXX XXXX name, this transaction should n't have legally taken place without the child support being current. 

In addition, the demographics of the house show a XXXX bedroom XXXX bath home. The basement of this home was remodeled without any permits being pulled and the home is now a XXXX bedroom, XXXX bath home. I will notify the county of the work as this is a safety concern. 

The property address is XXXX XXXX XXXX XXXX XXXX, Or
I paid this charge in a XXXX store when closing my line. They claim they never got the payment and now added this debt to my credit report
On X/XX/17 received a letter from Pudget sound collections in wa state. PSC account # XXXX. For XXXX Interest : XXXX = XXXX I paid them X/XX/2017 In  full they gave me a receipt to take to DMV to have my lic unsespended..Have the receipt.. Now they say I still owed them {$55.00} plus {$360.00} In Interest.. That does not sound fair to me. have a receipt with SIC on receipt saying paid in full case closed.
XX/XX/XXXX, I contacted Planet Home Lending letting them know that I have become XXXX, and that I need assistance with my mortgage until my hearing with the Social Security Administration. It is listed all over their website that they have programs and are happy to help. They reported that they received my paperwork on XXXX XXXX XXXX. It is now XX/XX/XXXX and not only have I heard nothing from them regarding my need for assistance, which I was promised within 30 days of them receiving my paperwork, I am still receiving call after call from nasty people from planet home lending asking when I was going to pay my bills, or pay my mortgage to current status. They also have people taping nasty notes on my front door telling me to pay up. Not only have they lied repeatedly about wanting to help, they are charging me late fees for every month they make me wait for them to give me an answer. I WAS NEVER TOLD BY ANYONE AT PLANET HOME LENDING THAT DURING THIS TIME I STILL NEEDED TO MAKE PAYMENTS UNTIL I HEARD BACK FROM THEM.
To whom it may concern, I just found out that on my credit report that I was late paying my car payment in XX/XX/XXXX which was XXXX, I was told not to paid that because I was in the processing refinance my car to XXXX XXXX XXXX, from General motor finance. XXXX gave me a good rate for my car payment which it is XXXX a month. I am in the processing buying a home and I would like to have some XXXX to remove this from my credit report. I was following the instruction from my bank XXXX telling me not to paid that in XX/XX/XXXX because I will be getting a payment in XX/XX/XXXX which is XXXX for my car payment. the payment for XXXX would 've been paid because I do n't like anything to be late but i was told not to paid anything for XX/XX/XXXX and my new car payment due XX/XX/XXXX with XXXX. Thanks for your kindness. i really want something in my name and that is a home which i can say its mind. it something that my family and grandkids would love to have. thanks again and have a bless day.
To whom this may concern : I 've submitted a dispute to Transunion to remove inquiries off my credit report, I understand that they should n't be allowed to put inquiries on my file unless I have authorized it. They recently removed the inquiries then added them back. Please have transunion remove the inquiries from my credit file because it is making it very difficult for me to acquire credit. I have sent several letters to them with.