WillisBack/dataset-financial-user-claim huggingface dataset:
A default judgment is appearing as a collection account on EXPERIAN, XXXX, AND XXXX.It is appearing perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted within recent years.In addition.the date of 1st delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL  THREE BUREAUS after numerous disputes permit a false re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.The disputed account is XXXX, XXXX, XXXX XXXX acct. no. XXXX.
The debt was settled some time ago with the original company. They wrote off the debt and submitted a tax paper for funds that I now owed taxes on. I do n't have that information anymore. The tax papers have since been destroyed as the tax papers were over 7 years old. The business is closed. The debt was bought by another firm claiming to be Advanced Credit Solutions. In order to get them off the phone and they did not give me time to find any information stating the debt was settled ... I gave them an amount I would settle for and they sent me a paper for me to sign that stated I owed the debt and it was settled for an amount. I never signed the paper nor returned the information. I called them back on the number they gave me and it was a false number and part of a scam number. I reported them to my bank to stop payment immediately. They could not give me a true number. I refuse to pay for something I had in the past taken care of. They are playing on old debts that people ca n't remember. My bank investigated and they cleared me of the fee I had begun to pay. I am not paying people who lie and give me spam numbers as call back numbers. At the moment I am not sure what the number was but it was in my report to XXXX XXXX dispute department. 

They lie and prey on old debts that no one can prove if they took care of the debt. They have many alerts and information on scams and I know they recorded my call so they should have that as proof I was denying the debt in the beginning and their strong arm techniques to get money from me. Even documents they sent me had different numbers on them from the numbers they gave me to call them. 

I think if you research the debts they are trying to collect on, they are debts from companies that no longer exist. 

Thanks for listening.
I submit a Payment with XXXX for amount owed, payment was not reported to collection agency and its still showing negative on my credit report
I am writing concerning a {$210.00} balance reported by XXXX XXXX XXXX, XXXX for a debt previously owed. According to the company the debt is a remaining balance for a debt originally in the amount of {$700.00}. However, the debt has been settled in full as of XX/XX/XXXX. I previously received a letter dated XX/XX/XXXX which indicated if a payment of {$490.00} was received by XX/XX/XXXX the account would be " settled in full ''. As a result I obtained a money order from my financial institution on XX/XX/XXXX and mailed the item to Portfolio Recovery the same day. Despite paying the settlement, an additional {$210.00} balance was added to my credit report. On XX/XX/XXXX I submitted a dispute of the {$700.00} balance and informed the agency of the settlement. I allowed 30 days for a response and have not had any feedback since that time. However, as of XX/XX/XXXX Portfolio Recovery has reported a {$210.00} balance. This is dishonest and incorrect. Is there anything that can be done to get this matter rectified? I would be happy to provide a copy of the settlement agreement provided by Portfolio Recovery as well as proof of the money order sent and date of receipt.
PNC bank has assigned account management fees to the Virtual Wallet account products, but does not list these fees in either of the specific products Virtual Wallet account provides so that consumers can track their expenditures, interests, and fees from the bank. Notice of fees are absent from the products that are specifically supposed to provide this information including : 1 ) Calendar 2 ) Account Detail 3 ) Account Activity 4 ) Searches of Transactions. These services are the reason I opened a Virtual Wallet account, because you are able to monitor all transactions, including all deposits, transactions, and interest payments from the bank on that account. They purposefully exclude any fees from the bank on these monitoring services. Any notice fees are limited to the last page of the monthly e-statement and absent from all other products that allow one to monitor their account. After speaking with customer service, it is clear that the bank is able to see the record of fees on their side, but they do not share that information with their customers with virtual wallet accounts. Additionally if you manually search the transaction history for the fee amount they do not show up. 

This practice is concerning PNC has created, marketed, and built several tools for a specific account that is set to help people monitor their account and they expressly do n't include fees from the bank in these tools, even though they purport to include all information. The inclusion of all transactions and interest accrued and the name of the monitoring tools ( Monthly Calendar with all of the transactions listed ; Account Detail with all of the transactions listed ; Account Activity with a list of all activity including interest payments from the bank to the consumer ; and Search Transactions ) make it seem like any fees would be included and recorded in these areas. They are not, all are omitted. A reasonable consumer would not know about these fees using the tools that PNC put in place so consumers can " monitor '' their accounts, as PNC is omitting these institutional fees from these tools.
Monterey Collection service is refusing to remove a collection item from my XXXX Credit Report in the amount of {$43000.00} for a debt which was cancelled by XXXX XXXX XXXX in XX/XX/XXXX. The cancellation letter clearly states that XXXX XXXX is relieving me from the debt. Multiple disputes have been filed in the months of XXXX and XXXX of XXXX with XXXX and Monterey Collection service still claims the reported item is accurate. I need this item to be removed from my credit report as the debt was forgiven by XXXX XXXX XXXX who is the original vendor. all objective evidence is attached.
Wells Fargo Home Mortgage My original documents have over 21 signature lines that were left blank. It states there was a closing attorney in XXXX in which there was not one at closing. There was a fee charge according to my documents but no closing attorney was there or closed any loan. 
The California All Purpose Certificate Of Acknowledgement has issues as well because I never sign it nor appeared as stated by the Notary and it would make no sense to why this document was hidden from me by wells fargo home mortgage and why it says corrections agreement and limited power of attorney and why this was done or why. Wells fargo home mortgage ever presented me with no documents or did I agree to any changes or limited power of attorney. I also have US Registered mail sent to wells fargo home mortgage was sent 4 times with no response to various issues pertaining to issues that was dodge and never responded to by Wells fargo home mortgage. Wells fargo home mortgage can not prove or explain to why my original documents that I was giving to me are one way and other documents by wells fargo home mortgage seem forged or adjusted to my documents by image. I have consulted 2 attorneys that have sued wells fargo home mortgage to this same pattern they committed in XXXX on home loans documents. 
I 'm in the process of filing suit on this loan not been legally binding and forged by wells fargo home mortgage and with holding documents to adjust documents with out my consent or knowledge. The instrument/ loan is not legally binding by other issues that never replied back back to years ago that US Registered mail to the issues. I have all the US Registered mail that was sent to wells fargo home mortgage
I attended XXXX University XXXX for profit school XXXX from XXXX - XXXX. I was pressured into finalizing my enrollment quickly and made promises that were not kept. The only option available was Sallie Mae XXXX XXXX Loans, I was given no other options. I now have over XXXX in private loans on my credit and my XXXX year-old mother co-signed the loans, so she is liable, as well. We have been harassed for years by agressive collectors who call our houses and our cell phones, and have received collection letters demanding payment in full. I am praying that someone can help me with a solution because these colleges have been preying on innocent people for too long. I am now working in a position that only pays $ XXXX per year because I ca n't find a good job without an education and I have been unsuccessful in my attempts to qualify for further financial assistance to complete my studies. Please help me if at all possible. 

Thank you.
Transworld systems had been calling repeatedly using cell phone exchanges to prevent " Transworld '' on a caller ID. They never left a message. On XX/XX/XXXX at XXXX I answered XXXX of those calls ; they have actually used XXXX numbers. The woman on the other end asked for my son, did I know where he lived and where he worked. Thinking it was a friend of his, I told her he lived in XXXX XXXX, MD. Then I asked for her name but she said she did n't have to tell me that. Then I asked who she represented and she again said she did n't have to tell me ; I hung. Since that day, Transworld has called every weekday without leaving a message. Nine dayslater, on XXXX XXXX they began leaving a message saying who they were and " the official debt collectors disclosure '' about the purpose of their call ; they never did did before. About the third week in XXXX Transworld garnished my son 's paycheck {$75.00}. As my son is XXXX, he gave them permission for me to talk to them on his behalf. XXXX XXXX, XXXX XXXX XXXX at XXXX immediately launched into her tirade of agressive intimidation, which included telling me not to interrupt when I attempted to ask a question, repeatedly telling me that both I and my son were lying, and continually making demands regarding my compliance, in the process repeating herself over and over again. It was a classic " breakdown-the-subject '', one-sided barrage of intimidation designed to frighten me into submission. Her berating went on from XXXX XXXX until XXXX ; a full hour and a half! My son submitted the signed " XXXX '' forms she sent him and is supposed to get his loan payment reduced to 1 % of his income. His takehome pay, after deductions, which include a company health plan, is {$XXXX}. There is also Transworld 's collection fee of {$3200.00} which I assume they will want him to pay. My son got a XXXX year degree using many loan programs including XXXX, XXXX and XXXX. Because of his XXXX he received XXXX years of XXXX paid for by the county and the state that cost {$100000.00}. In his XXXX he also became XXXX ... and XXXX ; he was an XXXX years. He started his XXXX and worked as a XXXX during that period, but never made very much ... barely enough to support himself. XX/XX/XXXX he entered a XXXX and has been XXXX for seven months. He has had a job since XX/XX/XXXX and has received XXXX pay increases and numerous promotions ; he is now the XXXX. I think XXXX XXXX and Transworld have violated laws regarding debt collection. Thank you for this opportunity to submit a complaint.
I opened a new account at BBVA compass a month ago ( or less than that ), and I decided it wasn't for me, and decided to just use a local credit union. I asked a rep on social media to close the account that was open for less than a month and he informed me that it would be {$50.00} ( XXXX for checking and XXXX for savings ). I do not want to wait six months. In addition, I want my account to be closed because there are so many negative reviews for BBVA and I'd just like to stick with my local credit union. I feel like this fee is unfair and unjustified.
I 've contacted Experian and the collection company   XXXX   XXXX   about a debt that does n't belong to me. I 've filed a previous complaint against both companies because I requested Experian to do a thorough investigation of the verification. I also asked   XXXX   XXXX   to validate the debt and initially after months I received no response but when they did send documents, it provided an address that was n't mine and  XXXX  different conflicting balances and the amount exceeding the credit limit by double! They provided a   XXXX   XXXX   that I 've already disputed on my credit file that 's not mine and someone just recently tried a month ago to obtain credit using the same  XXXX  to obtain a credit card from  XXXX . I was alerted through email by a credit monitoring company.
This is my second complaint and want it documented before I pursue legal action against Experian and the collection agency.
The other  XXXX  bureaus have already deleted this account of my file.
Effective XXXX XXXX, XXXX my mortgage was transfer to Seterus from XXXX XXXX XXXX. I was receiving statements prior to XXXX XXXX for over 8 yrs and four of them were during my Chpt XXXX. Seterus is refusing to send monthly statements after several requests in writing. They have yet to acknowledge acceptance of my request in written. On XXXX XXXX, XXXX thru my own investigation, I found they refused to renew my homeowner 's insurance with XXXX and that they had placed their own forced placed insurance on my home without notifying me. My insurance coverage had not lapsed in 9 yrs. Their excuse was I 'm in a active chapter XXXX and they do not have to communicate with me. My bankruptcy attorney has provided docs allowing communication between us and Seterus has verbally acknowledge letter is on file. Yet I can not get a simple, request for verification/proof of insurance. Instead they added insurance coverage and deducted the amount out of payments to Seterus causing a deficit. Imagine my surprise as I spoke with Seterus ' representative. After several days of conversation between Seterus, XXXX and my self, Seterus claimed they had removed the forced placed insurance and sent a check to XXXX ten business days ago. They claimed they refunded my account for insurance payments from the forced placed insurance. When I ask for proof, they " do not have to provide it to me as I 'm in an active chpt XXXX. '' By the way, XXXX has yet to received said payment. Another issue I have with Seterus is I 've been working to refinance my home thru HARP and they have done everything from sending out payoff that expires within XXXX hrs to refusal to provide 30 day payoff, to not giving a payoff that 's long enough for us to close on our loan. They state " it is against our policy '' to provide what seems to be an industry standard. Escalating in this company is pointless. Everything takes 7-10 business days to get, even if the error was on their part. They continue the same error over and over again and yet bill us each time. It takes them 7-10 business days to process your payment once they received it. Industry standards take 24-48 hrs for any of these type of requests. They never acknowledge anything in writing upon requesting information from them. This company is doing what they want to and always quoting it 's their legal right. What rights do I have as a homeowner fighting to keep her home?
In XX/XX/XXXX, I opened an account with XXXX XXXX. A month after opening the account I received my first bill. The amount billed was almost double to the agreed price when service was established. I called XXXX to dispute and we agreed to close the account. I paid the remaining balance and sent the equipment in. In XX/XX/XXXX I learned of an account in collections that I was unaware of. The account holder is Debt Recovery Solutions with a collection amount of {$2400.00}. I contacted them at the time to verify the debt which is when I learned it was a XXXX account. I then reviewed my credit report and found that XXXX is also reporting an open collection for the same amount. I have over the last several months contacted XXXX to not find any resolution. XXXX is telling me that they have no record of the account and all liabilities and accounts were sold to XXXX XXXX. I was directed to them, XXXX has provided me in writing that they have no record of the debt. 

My complaint is how can two companies report the same debt? Furthermore why are they reporting it given that they can not provide any information about the validity of the debt? Debt Recovery Solutions has claimed they have proof, which I would still dispute, and which they have not provided me. XXXX, XXXX XXXX and Debt Recovery Solutions have failed to prove a valid debt and has violated the law with the dual reporting. The only thing I have received from my inquires was increased calls and letters from Debt Recovery Solutions.
I am trying to cancel my Citi XXXX credit card with Citi and it is proving very difficult. I was put into a queue and waited on hold for 21 minutes. I was told that there are few account specialists available and a long queue for me to speak with XXXX, and I am required to speak with an account specialist to close my account. I find this to be an unacceptable level of delay and difficulty in what should be a straight forward and simple task. I suspect that Citi is intentially making the process difficult in order to prevent me from cancelling, something that I have experienced in the past with other credit card companies also. Finally, someone came on the line and told me the company was having system issues and I needed to call back the next day.
XXXX XXXX XXXX XXXX XXXX XXXX Md XXXXMy loan turned from XXXX XXXX to XXXX. I had a deferment until XX/XX/XXXX with XXXX XXXX. I received a letter from XXXX stating my loan was delinquent XX/XX/XXXX. XXXX representative said they would do a retroactive forbearance. In XX/XX/XXXX I called XXXX again because it was still reporting late. XXXX then gave a retroactive forbearance from XX/XX/XXXX-XX/XX/XXXX.
There were several times that I could not afford to pay off my loans. I was told about the forbearance option which I found out later that they were adding the accrued interest to my principal balance which led to me paying much more than the actual loan. I am paying now interest on top of interest from taking the forbearance option.
I purchase a XXXX XXXX from XXXX XXXX in XXXX XXXX I had a trade in I was told I was approved and the loan was for 48 months I signed all the paperwork took delivery and the next day I was asked to resign I had to resign 3-4 times all electronically and never was shown or received paper work the only time I was showed the paper work was the first time come to find out they changed the term to 84 I contacted the dealer and the sales manger was terminated. I have also contacted XXXX  XXXX XXXX and told them I had electronically signed the key pad at the dealer and it was a bad loan and I never received a contracts or documents. I was told there was nothing they could do from there I told them to come get there car due to the pad note they had me sign my credit report is now showing a charge off I am going to try this route first before filing through the courts I would like to see this off my credit seeing I did n't have it more than 45 days it also took XXXX XXXX XXXX almost 9 months to locate the car in which I told them I dropped it off right after I seening the fraudulent loan
I have recently been contacted by this debt collector over 15 times. This debt was charged off over 10 years ago. It is already way over the Status of Limitation for debt collection. I have informed them many times that they can not collect on this debt and they continue to harass me call me at all times of the day and sending me messages. 

Despite me telling them they are NOT allowed to collect on this debt they continue to do so.
I am in the middle of a chapter XXXX, have Owen as my mortgage holder owe XXXX my loan and my house is not worth XXXX, they told my attorney I qualified for a modification after 3 months of sending paperwork, sent it wasnt available to me, no reason was given, other then I didnt qualify. I have had nothing but TROUBLE with Ocwen, and my attorney has tried to resolve many issues, all letters have gone unanswered, by Ocwen. I just wan na safe in keep my home Ive been in for the lat 20, years Help!
Every year I receive a letter showing the " interest '' paid to my Student Loan, so I can deduct it from my taxes. This year they did not send the " interest '' letter, so I wrote to them requesting that they send the " interest '' letter. 
What I received instead was a letter threating to garnish my wages in spite of the fact that I 've made on-time payments since XX/XX/XXXX. 
The bills I received were from US DEPT OF ED - XXXX XXXX XXXX - XXXX XXXX XXXX. 
The threating letter was sent from PIONEER CREDIT RECOVERY - XXXX XXXX XXXX - XXXX XXXX. 
I responded by sending a letter showing the payments made through my bank from XX/XX/XXXX-XX/XX/XXXX 
It 's XXXX XXXX, and I still have not received the " interest '' letter. 
I 'm just waiting to see if they garnish my wages.
XXXX XXXX, Take this number XXXX out of your XXXX atomated calling. You have no XXXX reason to call me.
When Is a No Interest Balance Transfer Actually Not a No Interest Balance Transfer.
I have had a Chase credit card since XX/XX/XXXX. In XX/XX/XXXX I applied for and was approved a 0 % balance transfer of XXXX. Since that time I have made payments of at least {$200.00} over the amount of any purchases I made for the month, with the balance being applied to the promotional portion of the account which has been decreased each month by the amount I have paid over the monthly purchases. But I am being charged interest each month because, according to the Chase customer service people I contacted on XX/XX/XXXX, there is a balance on the account, which is the supposedly no interest portion. So it appears to me that Chase is actually charging interest on a supposedly no interest balance transfer. To me this has the appearance of a deceptive business practice.
I initiated a domestic Wire Transfer On XXXX XXXX, 2017 to XXXX/Coinbase in order to invest. The transfer was done from my husbands bank account to my Coinbase account for the amount of {$4000.00}. The transfer was rejected because of the name on both accounts did not match. They sent me an email saying they wire transfer will be reversed in 3-5 business days. It has been almost 2 months and the money is still not back in the account. Ive contacted them multiple times, and everytime I would get a hold of a customer service representative, they would disconnect the other line once they know what the issue is. Then someone would send me an email saying they have escalated the issue and someone is working to get it resolved and still nothing happened. A few days ago, I received an email saying that the issue has been resolved, but the money is still not in the bank account. 

I feel like there is fraud involved. The money was supposed to be invested on XX/XX/XXXX, but they held the money for almost 2 months and Ive lost a potential return on that. 

This company needs to be held accountable for the carelessness in handeling this case. The money must be returned ASAP