WillisBack/dataset-financial-user-claim huggingface dataset:
MY MORTGAGE WAS SOLD FROM XXXX XXXX XXXX TO CARRINGTON MORTGAGE AND SINCE XXXX 2015 THEY HAVE SENT ME CERTIFIED LETTERS THREATENING TO FORECLOSE ON MY HOUSE BECAUSE THEY SAID I MISSED A PAYMENT WITH XXXX XXXX XXXX WHEN I HAVE PROOF FROM XXXX XXXX XXXX THAT I NEVER MISSED XXXX PAYMENT WITH THEM AND I ALSO HAVE PROOF THAT I HAVE NOT MISSED A PAYMENT WITH CARRINGTON EITHER. I HAVE CALLED SEVERAL TIMES AND EACH PERSON I SPEAK TO TELLS ME SOMETHING DIFFERENT. I ASKED TO SPEAK TO THE SUPERVISOR AND THEY ALWAYS SAY HE IS NOT IN AND THEY PUT ME THROUGH TO HIS VOICEMAIL AND HE NEVER RETURNS MY CALLS. THIS COMPANY IS VERY SHADY AND UNHELPFUL AND I DO N'T KNOW WHAT ELSE TO DO TO FIX THIS. I REALLY NEED HELP TO MAKE THIS RIGHT.
I have been garnisheed numerous times over the last 25 years. I owed the IRS and any garnishees previous were discontinued. I paid off the IRS and suddenly a garnishee re appeared. The current XXXX is Pallisade Collection are actually the collection agency who bought the debt. It has been so many years I have no idea who. After this I am in understanding that a Palisades Collection who purchased debt is waiting in the wings and placed a judgement XXXX of 2014 which I have no paper work for and no idea who it is for. Any credit cards that I have been garnisheed for are at least 15 years old, probably more. Most of the garnishments on me were placed and I ca n't even begin to tell you by whom and I may be paying debt more than once. I am please asking for this to be looked into and help me if possible. 
Consent to publish the description of what happened? 
Consent providedWhat do you think would be a fair resolution to your issue? 

These garnishees need to be stopped. They are at over double the statue of limitaions in NY State. There is no verification or proof of any kind.
I XXXX XXXX filed bankruptcy chapter XXXX four years ago case no XXXX curently i '' m selling home and the tile company find XXXX judements against my property capital one and XXXX XXXX -credit cards. Tile company offer me they will hold the amunt of the judements for 150 % and return too me after 2 years when the judements wiil be expired Atorrney who represent me durning bankruptcy is XXXX XXXX.
XXXX is my finance company.The very first day I got the car I tried explaining to XXXX ( sales person ), and the guy in finance that the mileage was all wrong. The vehicle was showing a little over XXXX  miles on the dash board but my paper work was showing only XXXX. During the first of week of having this vehicle every bump I hit the all the lights would go off on the car, the head, tail, brakes and dash board. The mechanics asked to keep the car over night and that they was going to drive it home and so they did and they gave me a loaner. They tried keeping my car for a few nights. I was told to pick up the car so I did. A block away the lights all wet out again so I took the car back and when I got up there they all was very mad. So I had been calling XXXX ( the manager ), for a week so he approaches me by calling me and I told him not to approach me like that. So him and I got into a huge argument and he called the police on me and told them that he wanted me arrested. The officer told him to give me my car. XXXX told me that they was not going to honor the warranty that I had because I was never allowed back on the lot. So they would not take the warranty off my contract. I was on my way to XXXX to visit my mom when all my lights went out again.I paid out of pocket over {$800.00} to have the car towed back to Georgia. I paid over XXXX to have my car rewired. and paid my car note. Soon after that my brother passed away who was not in any life insurance so me and my family had to come up with the money for his funeral and burial.
So, I was speaking with a rep from XXXX who had agreed to allow me to make a payment and the other payments would go in the rear and they would adjust my account for the XXXX that I had to pay. About a week after our agreement she no longer worked there and the company would not honor the agreement that she had made with me. Just a few months afterwards they put on my credit that I owed them {$21000.00}, it was discharged and repoed. The problem is is that they never repoed my car. I tried to get another vehicle but I could not because of the repo on my credit. About two weeks ago I was at XXXX and my XXXX year old grand daughter was sleeping in the car and the repo man had hooked his truck up to my car and my granddaughter started blowing the horn. I called the police and the police came and told them to give me my car but my grand daughter had to get out the car before they let it down. They had towed the car a few feet with my grand daughter in it, The name of the company that towed the car with my grand daughter in it is XXXX, XXXX XXXX and her phone number is XXXX. My reference number is XXXX. She called me today and said that XXXX hired them to repo the car. Both of these companies has violated me. XXXX should have never put repo on my credit because they never repo the car and XXXX should have never towed the car a few feet away because my grand daughter was in the car. I have filed bankruptcy.
A few months ago, I failed to receive a statement on my Sears credit card. Luckily, I remembered the payment was usually due around the XXXX, so I went by the local Sears store and made a payment. My wife was concerned about not having received a statement, so we waited XXXX weeks for the next statement showing the last payment and current balance, but it never came. My wife called them and explained she was concerned that someone could have been able to change our mailing address and could be using the card info fraudulently. Of course the could n't tell her anything since her name is n't on the account. So I called and the address was correct and they promised to send another statement, but nothing came. I have called XXXX more times and complained to the local store ( who said they hear that complaint a lot but ca n't do anything about the credit card ) and every time I have received a promise we will start receiving statements, but we have not received XXXX yet. We have missed the last XXXX statements. We could go online, but prefer to receive a statement via mail.
I 'm filling again because the company 's response did not Match my issue and they have mistaken me for someone else. Their response does not make any sense because they have the wrong person. There are a number of reasons why I'am filling again. 1 ). As you read their response it stated that they have spoken to my husband. ( I'am a single woman and I'am not married ) 2 ). They stated that they have contacted me about 35 times. ( I never received any phone calls from this company. ) They 've mistaken me for someone else and I did not get the response that pertain or related to my complain or issue. As you read their response it doe not make any sense because I'am not the right consumer. By the company 's response in regards to my issue it displays negligent on their end by not addressing my concern appropriately, as evidence by failure to review my consumer 's file. 
MY Complain : Below I have paste my complain and the company 's response when you read my complain and their response you see that it does not make any sense. They resolved the issue for some one else but not for me. 
As I was checking my credit score. I saw the debt collectors ( GOLD KEY INC ) send a medical debt of {$710.00} I was not aware of.The debt agency did not contact me to dispute the matter in order to see if there can be any arrangement made to have the debt paid off. I received no phone calls and there was no form of contact made to informed me of the debt. I'am filling a complain due to not receiving notice of right to dispute and also for not receiving any letter via mail concerning the debt. I'am willing to work with them in compliance, if they are willing to work with me to have the debt remove from my credit report profile. Thus affecting my credit score. I 'm seeking help because I feel like it was unfair to me due to the fact that I receive no form of letter informing me of the debt or trying to reach me via phone to discuss the matter. 
Company 's Response : In reviewing the account, there was a notice sent to the consumer at the address on file on XXXX/XXXX/XXXX. Additionally, over 35 calls were placed to the telephone number on file for the consumer to no avail. It was not until XXXX XXXX, XXXX that we actually spoke with the consumer 's spouse who indicated she would contact their insurance carrier regarding the debt. Subsequently, on XXXX XXXX, XXXX we spoke with the consumer ' spouse a second time and she requested validation of the debt at that time. We had the creditor research the account and provide validation documents which were sent to the consumer on XXXX XXXX, XXXX. Those documents indicated that the consumer 's insurance had paid the consumer directly. On XXXX XXXX, XXXX the consumer made a credit card payment on the debt equal to the insurance payment, leaving a balance of {$140.00}. On that same call the consumer indicated she would send a copy of the insurance EOB showing that there was no additional patient responsibility. I do not show having received this EOB to date. In spite of this, we have elected to remove the credit reporting and close the account as the insurance payment meets our settlement threshold for this creditor.
on or about XX/XX/XXXX I was trying to refinance my home. My mortgage was currently held by Quicken loans. I called the XXXX business office and was referred to their Arizona office. In the meantime I searched reviews on my pc about Arizona Quicken loans and they were negative so I declined to do business with them. I was receiving calls from Arizona and XXXX offices and declined to do any business. I then went to my bank and inquired about refinancing my home. When they checked my score I was told that there was high rate of hard inquires ( 6 ) from Quicken for one month. That lowered my score. Recently ( XX/XX/XXXX ) I was attempting to refinance with my current mortgage holder XXXX and they contacted me expressing that they wanted to keep servicing my loan. I am refinancing with another company and received from XXXX a packet for mortgage loan. I feel that XXXX contacted the credit companies as Quiken has without my authorization. Can you please help me with this problem
The opened date for this alleged debt with Ad Astra Recovery is XXXX XXXX, 2012 - The Statute of Limitations for Texas is ( 4 ) years and their still attempting to collect.
I was told I was delinquent on rent and that I owed money for damages and cleaning fees from an apartment complex, XXXX, which I lived in last year. On XXXX XXXX, 2015 I provided the collections company, U.S. Collection West , Inc., a receipt from every month I lived there, showing that I paid rent every month. On XXXX XXXX, 2015 I asked them to not contact me regarding that debt since it is not valid. On XXXX XXXX, 2015 I received another letter from them dated XXXX XXXX, 2015 again asking me for money which I do not owe. Additionally, they contacted an associate of mine asking for my phone number, telling her they were calling from a collections company.
Equifax has placed a " promotional block '' on my file without my requesting it. This is a violation of FCRA regulations. I plan to take legal action but I want to create a paper trail.
Hi my name is XXXX XXXX for the last three years I been trying to get a modification well they gave me one but it always was high well XXXX sold my mortgags to statebridge well I was late one month and they charges me a XXXX late fee and start talking about putting a lie on the house mean time my husband have a XXXX XXXX meant and cant work and now getting a temporary pay check until soc sec start so I sent all the paper work in for a modification and they sent me a letter saying they would not give it to me mind you my house not is XXXX I am behind 3 moths they are asking me for XXXX the lats charge are XXXX my husband XXXX XXXX from his XXXX so we could catch up until his soc sec come in but what they asking for we do n't have they are really not trying to help us I beer in this run down house for 20 years and have no where to go I WENT TO HOPE AND THEY DID NOTHING FOR ME I was told there help out were is it I pray to XXXX that you guys can help me they something fraudulent about statebridge going on even a lawyer told me so. I cant afford a lawyer right now so please help us thank you XXXX XXXX
On my Equifax credit report one address that is on my credit belongs to my aunt. <P/>XXXX XXXX XXXX XXXX XXXX, PA XXXX That address belongs to my aunt DOB is showing XX/XX/XXXX My DOB is XX/XX/XXXX
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Experian XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$510.00} {$510.00} No. of Months ( terms ) : - - High Credit : {$510.00} {$510.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XXXX   Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$390.00} {$390.00} {$390.00} No. of Months ( terms ) : 0 0 0 High Credit : {$530.00} {$530.00} {$0.00} Credit Limit : {$400.00} {$400.00} {$400.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIREIES I DONT KNOW!!! 

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX Home Furnishings XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Automotive Dealers, Used XX/XX/XXXX XXXX  XXXX Utilities & Fuel XX/XX/XXXX XXXX  XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX XXXXXXXX XXXX Automotive XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX Credit Union XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Finance XX/XX/XXXX XXXX   XXXX XXXX XXXX Automotive Dealers ( New ) XX/XX/XXXX Experian XXXX XXXX Automotive XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Automotive Dealers, Used XX/XX/XXXX Experian XXXX National Credit Cards/Airlines XX/XX/XXXX XXXX XXXX National Credit Cards/Airlines XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Bank XX/XX/XXXX TXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX National Credit Cards/Airlines XX/XX/XXXX XXXX XXXXXXXX XXXX Credit Union XX/XX/XXXX XXXX XXXXXXXX XXXX Credit Union XX/XX/XXXX XXXX XXXX XXXX Credit Union XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXXXXXX National Credit Cards/Airlines XX/XX/XXXX XXXX
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom It May Concern XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX Experian, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX I have never lived at these addresses.or associate with address Please remove them. 
My correct address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I been living there since XX/XX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
I 've disputed information on my report with XXXX XXXX not being correct. But still showing conflicting information. Report is showing discrepancies between all 3 major credit bureaus. Showing one account OPEN on one reporting agency CLOSED on other reporting agencies. Also reporting late payment on a CLOSED account. Between XXXX and XXXX reported a one late to credit bureaus. I am demanding this account with XXXX XXXX be deleted from all 3 credit bureaus immediately. 

I am trying to avoid going to court with XXXX XXXX.
XXXX has been non-compliant with removing the unverified account CONN CREDIT CORP which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CONN CREDIT CORP was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I had a loan with myloansite.com. I had issues paying the amount of interest and made an arrangement back in XXXX to pay {$100.00} mo. I have since paid over {$500.00} owed. The original amount borrowed was {$1200.00}. I made an arrangement to pay over 2800 as that was the best that they would do. This month due to the holiday my pay was in XXXX as opposed to the end of XXXX. I told them to take the money out on XXXX XXXX. They say I was to call again. So now they are saying I am in default, that I owe {$300.00} every two weeks and that I owe almost {$5000.00} and climbing. I can not do this! They will not assist and want more, almost 4 times what I borrowed.
Several months ago, I was deluged with phone calls from a company called XXXX as seen on my caller ID. They called both my land line and cell phone. On some occasions, the number had no identifier or was caller unknown. I did not answer these calls but went to a website that identified XXXX  as as debt collection agency. I knew I had no outstanding debts that had been turned over to a collection agency and have excellent credit. I put a credit freeze on my accounts after the XXXX debacle a year ago. On the website it showed a place where you could enter a phone number so as not to receive any further phone calls so I entered both my numbers. The site said I would receive further notifications by mail. On Friday, XX/XX/2018, I received an invoice from XXXX  representing XXXX XXXX XXXX XXXX XXXX for {$74000.00} in unpaid loans. I believe this is a scam as I have no unpaid college loans. Online resources stated that XXXX XXXX XXXX XXXX XXXX has had several class action lawsuits for falsely billing people.
Wrong addresses. precious wong name listings. As well as current name. Debt for student loan that has been paid since 2014
Diversified Consultants claims I owe XXXX to XXXX XXXX, this is the second collection agency to attempt to collect on this debt. The previous agency whom I do not have the name of, referred the account back to XXXX XXXX, realizing the debt is not valid/fraud. A previous complaint was filed about this matter against that collection agency, Diversified Consultants seems to have bought the debt from them or was sent directly from XXXX. As I stated before in previous complaint, I have never had cell service with XXXX and the amount, XXXX is extremely high even for a family plan as I suspect it is. Neither collection agency has provided a detailed bill of amount owed, just a letter claiming I owe it. It appears a cousin with similar name, XXXX XXXX, open an account using my social. I use a middle initial in my name, XXXX XXXX XXXX. He no longer lives at my address and this is the second case of fraud I have encountered since he moved out. As stated before, this is an outrageously high amount and is very suspicious as I think additional bogus charged were added on by collection agencies for themselves, there is no detailed bill explaining the charges. Again, it is also fraud and will not pay it.
I am requesting the XXXX % Formula to begin Rehabilitating my Student Loans. 
My Servicer EOS-CCA is not following the U.S. Department of Education Guidelines for determining my monthly payment. 
They are saying I have to take my Gross Income, rather than AGI, which is not correct. 
The XXXX % Formula clearly states : XXXX % of difference between Adjusted Gross Income ( AGI ) - XXXX % of Poverty Level for Family Size of XXXX ( my family size ). 
XXXX & ( XXXX estimated ) AGI = XXXX ( I provided XXXX IRS Form XXXX & XXXX Form XXXX ). 
XXXX Poverty Level Family of XXXX = XXXX ( www.federalregister.gov ) @ XXXX % = {$17000.00} Difference = - {$870.00} Minimum Payment = {$5.00} / mo. 
I have the right to Rehabilitate my Student Loan using the Department of Education XXXX % Formula and they are not following the law. 
Please advise what I can do to get my Loan Rehabilitation started when the Servicer ( EOS-CCA ) is not playing by the rules. 
Is there a CFPB, U.S. Department of Education email or contact that I can complain to or override the Servicer?
My husband and I requested a loan modification with our Mortgage Lender ( Bank of America ) in XXXX for XXXX and XXXX loan. In XXXX Bank of America finally approved our Loan Modification request. Recently, I have been getting calls from a XXXX XXXX company stating they our Mortgage Lender to our home. We have been making out payments to Bank of America.
XXXX are accusing me of a medical debt that was paid by insurance. I was never given instruction that I would be charged, or that my insurance was not accepted, or that I would owe anything outside of what the insurance company already paid. I also have never received any written communication of any documents that I have signed regarding this and was never contacted stating that I owe any amounts of money.
XXXX has not updated my credit card balance since XX/XX/2018 and the lack of them doing so is holding my credit score down unfairly.
I have previously contracted Summit Financial and requested the information re the debt they placed on my credit report for approximately 3-4K dollars. I had a loan with XXXX and the car was brand new and was a lemon I gave them the vechicle to sell in the auction and the debit was to be free and clear. After speaking with Summit and trying to discuss the account and request documentation of the validity of the debt they refused to provide me with information and I have been requesting it for the past year. I have called and they refuse to take my calls. They turned around and changed the balance owed from 3-4K to XXXX and now its rising day after day. This is inaccurate information and not a liable debt, Please remove it.
Equifax lost a number of people 's personal information including mine. However it 's difficult to be sure my data has been affected, as their site for checking the status seems to return inconsistent results for the same data. Additionally, they have offered 1 year of a credit monitoring service, which is terrible for consumers for two big reasons.
1 ) One year is not nearly enough for a breach that loses all personal information 2 ) At one point, there was information seeming to indicate consumers could n't sue.