WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, Information given from the paperwork i have from the XXXX district court, on XXXX XXXX, XXXX for the amount of {$3200.00}, {$3200.00}, and {$3200.00} all three ( 3 ) different accounts with the same credit card companies. Shermeta Law Group filed to garnish my wages and my state income taxes with properly doing so. Firstly, i wasnt properly served these documents personally they were served at my mothers house. After calling about these debts i was given attitude and disrespect and if i wasnt paying or trying to resolve some type of payment plan with them there wasnt much he could do to help me. I was also told that if they have to file garnishment i could lose my job as in big companies like XXXX doesnt like to see wages of their employees being garnished. Without notice my wages were garnished and i didnt find that info out till calling my jobs Payroll trying to verify info in applying for sub pay the was notified i guess for my reassurance that my pay was garnish from this company at 25 % then after finding out i went to file a Objection of Garnishment with the district court. In the mist of waiting for my court date i have found out that Shermeta Law Group is not licensed for business nor to collect in the state of Michigan or with the Secretary of State in Michigan therefore with my understanding they arent eligible to collect in debt in Michigan.. If possible please remove these accounts from all three ( 3 ) reporting credit reports immediately. 

Also i would like help with stopping motion of garnishment if issue is resolved. 

Thank you!
Despite multiple requests, the unverified item with Santander, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted Santander via mail and have returned undelivered mail with inaccurate address on file, and via phone Santander has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I recently contacted my JC Penney MasterCard which can be used anywhere. Since I have made payments on time I requested my interest rate be lowered. I was told There were no lower rates. I contacted two of my other cards and did get a reduction in interest rates for paying on time.

The amount of this payment is an extreme hardship for me.

The payment is approximately {$180.00} a month. My rent is {$870.00} so this makes it a struggle for me. No credit card should be able to charge over {$120.00} A month.

Please help me.

Sincerely XXXX XXXX, OR XXXX
I have filed a dispute with Equifax Inc concerning fraud on my credit report and incorrect personal information. Equifax staff members refuse to remove the inaccurate personal information after i have called/sent letters. I believe that Equifax Inc is more interested in reporting inaccurate personal information than helping the consumer by deleting the inaccuracies. My correct and mailing address is XXXX XXXX XXXX XXXX XXXX Mo XXXX and my only social security number DOES NOT end in XXXX
Allied Interstate LLC is contacting me in an unprofessional manner. They call me Monday thru Sunday at all hours of the day. Calls come in at all hours of the day and night. It is extremely annoying and upsetting. I had already made payment arrangements with XXXX XXXX Bank, the credit card company. Now, they 're sending me these people to supposedly collect a debt.
I made a purchase with XXXX for a XXXX XXXX XXXX. I was paying XXXX directly but they then later sent my account to a finance company to take over payments. I have set up several payment arrangements about this matter and they continue to call me saying that i am past due. I have asked for a copy of my payment history and they are refusing to send me that information. I advised them that I am not authorizing any further payments until I can review the documents. they say that I have 24 hrs I said that it was not enough time and they said 24 hrs or they are going to charge me 35 % more and send me to collections. I did get upset with them on the phone as I am not neglecting anything I am just trying to make sure I am not over paying them. one rep tells me " you do not have the money that 's why you are not paying '' these people are unprofessional and plan to file a number of complaints with DOJ.
In XX/XX/XXXX I noticed 2 fraudulent inquiries on my credit report from XXXX and XXXX. I sent a certified letter to Equifax to have them removed. Equifax received that letter on XX/XX/XXXX, see attached the confirmation from Post office. I was told that they could not remove the inquiry and I should submit a dispute online. I disputed as they instructed me but still, the inquiries were not removed ( the 30 days ' deadline passed but I did n't receive any confirmation from Equifax. The dispute XXXX was submitted on XX/XX/XXXX. It shows PENDING XX/XX/XXXX ( Estimated ) ). 
I contacted XXXX and they confirmed that the inquiry was fraudulent and told me that they informed Equifax to remove it. Equifax still refuses to remove those fraudulent inquiries even knowing that XXXX has informed them regarding this matter. 
On XX/XX/XXXX I pulled my report and noticed another surprise. My good standing account from XXXX opened XX/XX/XXXX limit for XXXX $ ( I am authorized user ) disappeared from my credit report. I contacted Equifax customer service and the customer service representative lied to me saying this account never reported on Equifax which actually did till XXXX. I contacted the another representative and was told to contact the creditor to ask them report one more time. 
I did what I was instructed and creditor told me that they were still reporting and there were no issues or changes and everything was fine with XXXX and XXXX and the error was related only to Equifax. The same day I noticed that I was not able to access my Equifax account and I called Equifax one more time. I spoke with a supervisor and he suggested me that it could be related to my credit file split issue and I should contact fraud department. 
Today I called Equifax and found out that they refused to help me with restoring my account and investigating what happened to my report and my disappeared account from XXXX, the customer service representative also informed me that there were some issues accessing to my online credit report that was why I was not able to access myself. 
Then I contacted the Equifax Consumer affairs officer XXXX. She told me that she did n't understand what did mean my Equifax credit report split and there were no accounts reported from XXXX on my report. I told her that I have a confirmation number and actual reports from XX/XX/XXXX, and from XXXX XX/XX/XXXX showing the account on my report. She was surprised and asked me for the confirmation number which I provided and then she just refused to investigate and help me. 
I am attaching my ID, SSN and current bill, my credit report from XXXX dated XX/XX/XXXX, confirmation from USPS, a summary of my disputes with Equifax, my Equifax credit file dated XX/XX/XXXX.
the refer the debt to another agency and close case, the information results in a increase of debt and worsening deformation on my credit report of the amount reporting owed. The original debt reported had no interest and should report the correct and true debt owed not a made up number when the consumer debt is sold or referred to another creditor agency. A Scanned copy of a individual ( initials XXXX. ) named on a cashiers check and provided a police report # XXXX case # XXXX XXXX XXXX XXXX Police Dept ( copy attached ) and Informed the Original creditor that the debt was done by not intention but I ( Claimant S.E ) was a VICTIM of fraud the named individual ( Initials XXXX. ) was never prosecuted for the issuance of the cashier check # XXXX. I attempted to seek restitution and trying to arrange a payment to the original creditor or collection agency. the Creditor continued to harass me when I attempted to validate the ACCURACY OF AMOUNT of debt owed they the agency retaliated ( in numerous deformation attempts ) by increasing the amount of original debt by adding over 120 % Interest to a none-interest account, deformation of my good credit rating and continued to report though multiply creditor on my credit report two different amount owned that are not the true amount what was reported on my credit bureau. 
Systematic National Co XXXX Account # XXXX and XXXX XXXX XXXX XXXX reporting {$2300.00} Account # XXXX.
My auto loan has been open since 2012. Equifax has been reporting for years accurate information then out of nowhere they delete the account. The account, XXXX XXXX, is 1. Open 2. Reaffirmed during bankruptcy 3. Has 1 late payment on XXXX 2014 4. Is current and paid satisfactory according to Bank.
I applied for a personal loan with " Citizens One Personal Loan '', during the process I was never asked if I was US citizen or permanent resident, once the loan was " almost complete '', as I have an excellent credit score, they asked me for a copy of my social security number that clearly says " valid for work only '', after providing the document they denied the loan. 

When i call the bank and I asked for a copy of the application where I was asked to confirm that I was us permanent resident or US citizen they denied to send a copy, the bank mentioned that I accepted the terms of the application and that they will not provide a copy of the document. 

When I asked for the terms of the application over the phone, they read them over mentioning that they required " A valid Social Security Number '' as read from the application, when asked the bank representative to clarify where in the application " a valid social security number '' was explained, they said that there was not definition in the application for a " valid social security number '' and neither in the document but they understood it, when I asked why this was not requested to be clear during the process, there was not a clear answer. 

I requested them to remove the hard inquire due to this faulty process which they denied, when as asked for a copy of the application where I could see clearly that I choose any of the requirements " US Citizen or permanent resident '' they denied to provide a copy of the document or support.
When l checked my XXXX credit report, l noticed that ; BANK OF AMERICA reported a hard inquiry on XX/XX/2018 which l have no idea about it.
Around XX/XX/XXXX my wife and I lost all our income except Social Security. A consulting company I worked for lost a client I was handling..This was a $ XXXX. a month loss in our income. Prior to that my credit score was XXXX. That was the first time my Mortgage payment was ever late. Also prior to that time we lost about {$700000.00}. in a XXXX Scam .The principal is currently in jail and all our cushion was gone, this was back in XX/XX/XXXX. In that amount was % XXXX in my wife 's pension money he was managing. During this same time my wife was diagnosed with XXXX. 
We have lived in this home from XX/XX/XXXX and would like to save it. My servicer is XXXX XXXX. I have some XXXX '' of paperwork they keep asking for the same thing over and over again.. We literally had not enough money to live on. As proud as I was I went for fuel help and food assistance. Now I have a full time job in the city I live in and we have combined income of about XXXX a month. Again I have asked XXXX for help in Mortgage assistance and now they tell me while they review another set of documents the are going to begin the process taking my home. My credit score is up to XXXX from a low of XXXX. I have made my mortgage payment for the past 6 months of XXXX per month and have set up payment programs to get my head above water. The rate of interest is 6.375 % if they lowered the rate It would all help. That interest is in the XXXX the rate on the XXXX is XXXX and yet the XXXX and XXXX add a late fee each month. The value of my single family home is {$370000.00} and I have a first balance of {$160000.00} including the arrears and a XXXX mtg. of XXXX thats a XXXX % ratio. Why ca n't they help me. I have now been working full time from XXXX XXXX for XXXX XXXX. Plus I am on Boards that through off additional Income. I could have filed bankrupt and wiped all the unsecured debt out but instead I hoped to struggle a bit and move on. Please help. XXXX has only continued to cost me money in tile and more paperwork than I feel they really needed. I worked as a Senior Mortgage officer for over 20 years and if I on anyone working for me treated our customer like this they would have been fired by me.
Fed Loan Servicing misapplied a loan payment by not distributing across all the loans in my package, and then agreed that it was a processing error. They agreed to reapply the loan payment backdated to the correct payment date, but that was over a month ago, and the representative ( XXXX ) I just spoke with said that the processing center had yet to do so. I am trying to maintain eligibility for public service loan forgiveness, and I am concerned that any persistent perceived delinquency, even though it was the servicer 's error, may cause problems applying for loan forgiveness when the time comes. They have not yet rectified the underlying misprocess, and I would like a record of what happened and how the situation was rectified for my personal records.
I use an Amex Serve card ( a prepaid debit card with a bill paying function ) as an option to a checking account. On XXXX XXXX, 2017 I got an email saying I had a negative {$140.00} balance on this account. After reviewing the transaction history on the acct, I could find nothing that would cause that kind of deficit other than an unauthorized withdrawal transaction. After 2 phone calls to the Amex offshore help desk I still do not know what could have caused the problem. Just a simple check with a calculator beginning with the most recent cash reload showed that accounting for all the following transactions would leave only an {$8.00} deficit & I 'm certain there was a positive balance at the time of the reload. Both " customer service representatives '' that I spoke to at Amex Serve would only parrot back the transactions to me & would not even take the simple step of doing the transaction calculations that I did to produce the - {$8.00} balance. I am concerned about this especially since I just went through a lengthy identity fraud investigation with the IRS & am concerned that my identity has been compromised. However, even with that information Amex Serve refused to open any kind of investigation to find out why I have such a large deficit in my account. So, my only recourse is to bring this to your attention in the form of a complaint so I can find out the real reason for this issue. I 'm attaching a copy of the transactions in question beginning with XXXX XXXX & covering the transactions up to today. Thanks very much for your help with this.
I have had an ongoing issue with Chase pertaining to a late payment incurred on my credit report for a missed payment for XXXX 2015, which reported as a XXXX 2015 late payment. The late stems due to the mistake of the booking keeping service I hired to pay my bills ), who failed to submit a payment to Chase, while at the same time sent m a month end statement that showed Chase had been paid. Hence I was not aware of the missed payment. I paid the account soon as the delinquency was brought to my attention. I had called Chase and was asked by them to send them proof of this error and in turn they 'd remove the late payment under the fact that the late was due to a " 3rd party error. 

I not only sent them the letter from the book keeping service, but I also sent them a copies of my XXXX XXXX bank statements, which showed I had over {$230000.00} at the time of the missed payment ( see attached statements ). 
Chase however responded back, by simply sending me statements and claiming that the payment was not received on time and that they wo n't remove the late payment despite the fact that I have proven to them this was a 3rd party error and I had sufficient funds to make the payment ( see attached response ). Additionally, another XXXX bill of mine had fallen behind on the same date due to the bookkeeper 's error, and XXXX was more than willing to remove the late payment when I presented my case.
I applied to an apartment complex on or about XX/XX/XXXX and this complex utilizes TransUnion rental screening. I was told that I was denied because my score did not meet their requirements. I was told that the score that was being given to them was at least 40 points different from what I received when I pulled my credit report from XXXX XXXX. I was given a number to call so I could be given the next steps to verify the information on file was correct. I was told I needed to put it in writing what I am requesting and also submit a copy of my photo ID. My first initial request was XX/XX/XXXX and since that time I have been given the run around about why I have not received my report. I have been told that they did not receive the letter or the ID to they are working on my request to they have up to 30 days to provide me with what is contained in my report rental or otherwise. I continue to receive letters under the guise it is my consumer report stating that I need to submit a copy of my ID as well as a written statement of what I am requesting. I just want a copy of what was provided to this apartment complex because I know it is erroneous.
Hello, I have a history of on time payments, my percentage is at 99.4 %, for some reason my re-occurring minimum payment was not being taken out of my account. I would like for this XXXX late payment to be removed because it is affected my score in a negative way.
My complaint is against a collection agency that is trying to collect on an old debt that was paid for in full after it went into collections. I was never notified by mail or phone call about this. So now its been over nine years and I found out about through all three Credit Bureau 's. This Collection agency /Trident Asset Mangement is saying I owe {$2800.00} and refuse to remove it. So I got a hold of ( XXXX ) since they are the once 's that i had service with. XXXX now has no account listed with me since the debt was paid and is 9 years old. XXXX suggested that since its off the chart for me not to pay ( XXXX XXXX XXXX XXXX ) anything and to report it.
I already created a previous complained over the CFPB ( ID : XXXX ) in their reply they said they would send me a paper copy of my credit score and that if I beliefe information on it to be inaccurate I should mention the specific dispute.

In the " credit report '' they sent me ( Dispute results Report # XXXX ) instead of giving me a credit score or asking for documentation that might help them determine one they just said that they were unable to calculate and provide me with a credit score.

Just to be clear the information I beliefe to be inaccurate is the entire " credit report '' I got mailed, since it did not contain any actual credit score.
XXXX usbank did not pay all my insurance and I lost my 1 % deductible which I was grandfathered in in Louisiana. Cost me $ for their neglect. I then had to entered into loan modification. XXXX they required {$3200.00} by XX/XX/XXXX which I paid and my note would be @ {$500.00} a month with @ 2 % interest. Nothing till I filed a complaint w cfpb. Then within two weeks I was offered another loan modification XXXX, I paid my XXXX note and I tried to pay XXXX note which they refused because they sold my property. They recended the sale and said I did not comply and said I failed and wanted the rest the next day. I am in the XXXX trial and paying XXXX payment. I have found out that I no longer have escrow because of sale and my taxes were not paid and have not had insurance now again because of their errors I am again being threatened by them again enormous fees because of their errors. I do n't trust them. I have been threatened eviction when they sold my house. I have been cooperating and they continuously drop the ball. I have applied for loan modification for over five years and they have had me apply again an again and go through money XXXX times now.
I worked for about two months but got terminated for complaining about employment and RESPA violations at First Title & Escrow , Inc. headquartered at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX with phone number ( XXXX ) XXXX. They have offices in other states but I worked in XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 
This company is doing about XXXX transactions a month and I highly suspect they are not compliant with RESPA regulations for kickbacks or marketing service agreements. I know that their main source of business in XXXX XXXX in XXXX, XXXX comes from a marketer, XXXX XXXX, who is the daughter of the President/Executive of XXXX XXXX XXXX, XXXX which I think maybe in violation of a mortgage kickback scheme since they can not be an affiliate of the mortgage company. 
Please investigate this company. XXXX cases a month from honest marketing efforts -- I highly doubt it. This will be very similar to the XXXX company you investigated. 
XXXX
Hello, The reason for taking the time to write this is in hopes of getting to someone that can help me respectfully and to the best of their ability. I have been calling Experians dispute center for the past week already. today is XX/XX/XXXX. todays call was the worst. I am currently trying to get a mortgage on a house. my lender lady informed me she was unable to pull a preapproval for me due to an inaccurate reporting of a charge off i had back in XXXX. My lender has been doing this for a LONG time and has never seen this type of situation as i am having now. Her and her team of credit experts and credit repair people had advised me to call the  person reporting my bad credit to get the date fixed on the DATE LAST ACTIVE because on my credit she said it looked as though it just happen rather than it being charged off years ago. i called they said theyd send a letter to the middle man and get that fixed.. well my mortgage lady suggested i also call the credit bureaus and make sure they corrected that as well. she then told me that the only one reporting it wrong was experian that XXXX was reporting the date last active as the date it got charged off. well i called experian twice and they were unable to help me. I am terrible with words and do not like conflict. My mortgage lady then got furious that experian was being no help at all. she offered to do a conference meeting with experian and myself so she may speak in my behalf. Well that call was today XX/XX/XXXX at around XXXX i forgot the guys name but he was rude towards the end when we asked to speak with a manager. he insisted that his answer was correct instead of just letting us speak with his manager to let us verify and make sure, he kept arguying and responding back rudely until finally he said " ill get you the manager theyre just going to tell you the same thing i just did '' he put us on hold for what felt like a good 10 minutes just to hang up on us afterward. what kind of customer service is this? i cant believe this is the way we were treated.