WillisBack/dataset-financial-user-claim huggingface dataset:
I received as a gift a {$100.00} gift card issued by U.S. Bank National Association ( XXXX ). The card was in the original package. I opened the package and called the XXXX number printed on the card to verify the balance. There was a {$75.00} dollar transaction that was completed before I even opened the package. I immediately called customer service. They asked me to provide a fax number. I do not have one and in the end they asked me to fax copies of the card ( front and back ) and the packaging ( front and back ). I explained to them that I do not have a store purchase receipt for the card since it was given as a gift. I faxed all the information available to XXXX as instructed by the customer service representative.
I registered for XXXX XXXX XX/XX/XXXX. Classes began XX/XX/XXXX. I withdrew in writing XX/XX/XXXX. XXXX XXXX XXXX, Director of Student Accounts was supposed to return all money sent to the school on my behalf. The enrollment application was fraudulently executed. The application needed all signatures. If any were lacking, the agreement would not be binding. The Administrative Official did not sign. The Department of Education and XXXX XXXX should not have sent money to XXXX XXXX. They should have noticed that oversight. The address for XXXX is XXXX XXXX XXXX, XXXX, Pa XXXX. My major was XXXX XXXX. I have received letters for ten ( 10 ) years. I have written Senator XXXX, loan officers via certified mail, XXXX XXXX. I sent a certified letter XX/XX/XXXX requesting all collection efforts to cease. My information was returned and denied. According to my documents the balance is XXXX.  Everything is ignored. I have kept all documents from this school and loan companies and cards from the certified letters. My social security number was on many of the forms, violating HIPPA. I want my record restored and negative information removed from the credit agencies. XXXX XXXX is sending letters. They were sent certified letters XX/XX/XXXX.
I have several hard inquiries on my Experian specific credit report that I did not authorize and need removal : XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX   XX/XX/XXXX -XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX
My sister stole my social security number and applied for 2 different credit cards in my name. ( XX/XX/XXXX 2017 ) She has since gone to jail and treatment for it. I have tried to dispute it on XXXX XXXX, XXXX  and XXXX and it is still showing up as a hard inquiry. I made capitol one aware of this and they cancelled the card. What can be done about getting this off my credit score? This has had a major negative effect on my credit score, life, future. Please help!
I fell behind my mortgage loan payments. I have been seeking assistance to get back in place and have been given the run around. I ended up hiring an Attorney to help me get back in place and was NOT successful! The Attorney I hired was being given the run around just like me, nothing changed. The Attorney would call Wachovia, then Wells Fargo attempting to modify my loan, or to be given an alternative to avoid foreclosure, but that NEVER happened. I would call the Attorney day in day out and at first all of my calls would be answered and all of my questions would be addressed. However after years the Attorney stopped answering my calls so often, would not return my calls, and at the end the Attorney no longer answered my call what so ever. The Attorney disappeared and the monthly fees, and all the money I paid him disappeared right along with him. I have not been able to get my money back, the bank cut out a check to this Attorney and the bank is not wanting to talk to me, nor work with me to help me stay in our home. I am simply asking for an opportunity at a fair review. Instead I get run around, lied to, taken advantage of.
Inaccurate dates, addresses, loan amount increased, dates of loans are incorrect,  XXXX  different companies are claiming that my student loans are with them I do not recall owing some of the companies at the times listed on my credit reports. Some oe the loans were paid off and taken of my credit reports and are still showing up on my reports as delinquent!
I received notice of a $ XXXXmonth wage garnishment from my employer today. The plaintiff is both XXXX XXXX XXXX XXXX and a law office by the name of Cooling and Winter, LLC. 

I called Cooling and Winter to try to find out what this debt was but he, XXXX XXXX, stated he did n't know. I asked if there was contact info for XXXX XXXX and he gave me 3 different phone numbers. One phone number was for XXXX XXXX, XXXX XXXX XXXX, but the voice mail was garbled. There was no business name mentioned or that I could understand. They are saying I owe {$6400.00}, but ca n't tell me why. They are saying that this debt was originally through XXXX XXXX ( XXXX ) XXXX from back inXX/XX/XXXX. 

I was told by XXXX State court that I had received a summons by a sheriff on XX/XX/XXXX, but that is not true. I asked for the sheriff 's name, but she said that it, along with his badge number was not readable and that she would mail me a copy of it. I did not sign nor did I see a summons in XXXX or any other time. If I had gotten this notice back then, I would have been able to deal with it then. As of now I do n't know what this debt is and I ca n't reach anyone who can tell me. 

XXXX XXXX and XXXX XXXX have both been sued by CFPB and the Federal Trade Commission and I 'm sure Cooling and Winter knows this. Especially WHY they were sued. 

I do not understand how my wages can be garnished this fast - the document was signed on XX/XX/XXXX. I do not understand why I was not contacted about this so-called debt that is 16 years old and not even on my credit report. XXXX XXXX nor XXXX XXXX is on my credit report. Cooling and Winter is on my credit report with no phone number listed, but the listing does not show why they are showing on my credit report. There is no debt amount. 

I have spoken with the GA State Attorney 's General 's office and I will be taking the necessary steps to get this fixed. 

I want to know what this debt is about. If I do owe, I need to make better payment arrangements because I can not afford to pay $ XXXX/month for 2 years. I do not make that kind of money. This will cause a hardship for me. 

I do not know what this debt is about and Cooling and Winter will not give me much info and I ca n't reach XXXX XXXX. 

If you call this number : XXXX, you will see what I mean about a voicemail that makes no sense at all. 

I would like to know why Cooling and Winter can only communicate with XXXX XXXX through email and why XXXX could not give me their email address. Why is WHY I owe this money such a secret? How did my wages get garnished so fast? Why was there no attempt to garnish wages after the sheriff supposedly filed the summons back with the court on XX/XX/XXXX? 

Debt was started, according to XXXX XXXX XXXX : XXXX XXXX. Sheriff says he summoned me in XX/XX/XXXX. Got my check garnished for $ XXXXmonth XX/XX/XXXX. All this without any notice from anyone. 

How do I stop this garnishment?
The balance on my XXXX account with Chase is XXXX, this includes a purchase in the amount of XXXX XXXX XXXX XXXX XXXX made on or around XX/XX/XXXX. This purchase was not received, XXXX left package at incorrect address, signed for by a XXXX XXXX. No one by this name lives at my address. Chase disputes as well as a XXXX XXXX in Executive Office is well aware of this information, XXXX XXXX keeps referring me to disputes team who refers me to another dept which is never open when I call. This purchase has been in dispute off and on Since XXXX, still no resolution. The balance was paid off less XXXX at one point, the amount in dispute. However, the account has since cycled and additional interest and fees charged. The last payment I made in the amount of XXXX posted on XX/XX/XXXX, I need this credited back as well as interest and fees related to purchase in dispute.
Quality Asset Recovery ( QAR ) repeatedly calls my house but ask for a different person ( same last name incorrect first name ). Then QAR reports to XXXX that I have a {$1500.00} Installment loan which they claim originated in XX/XX/2015. I have never taken out any installment debt of any kind. This debt is someone else 's, yet they claim the debt is mine and now my credit is ruined.
XXXX  ,201  4- $  XXXX - ask   Midland Funding to remove this off  my credit report because this account is past 7 years and no one call me,
I received a notice that Wakefield and Associated was collecting a debt for XXXX XXXX in late XX/XX/XXXX. The medical debt was invoiced and paid in XX/XX/XXXX so I sent proof of payment along with a debt dispute letter and a request for debt validation within 30 days of receipt of my first notice from Wakefield & Associated. Tracking shows it was picked up from the post office in XXXX XXXX, CO on XX/XX/XXXX. As of today, XX/XX/XXXX, I still have not received debt validation. I have, however, been contacted via my cell phone on XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I wrote a letter requesting communication only in the form of letters and provided my address. This letter was received by Wakefield & Associated on XX/XX/XXXX. Therefore, the XX/XX/XXXX call was a violation of my rights under the Fair Debt Collection Practices Act. I am attaching documents showing the call from a Wakefield associate today, XX/XX/XXXX, and tracking information showing they received my letter that asked I not be contacted again via telephone.
Why did XXXX XXXX ( Credit Agency ), take off the $ XXXX-Dollars, ( for a PARKING FEE LATE CHARGE OF MY VEHICLE ), as I had & was told by my Daughter, that SHE had picked-up HER CAR. ( as I had given my Car to her ). *IN THE PAST I HAD GIVEN MY DAUGHTER XXXX-Other Cars ... .. ( SHE HAD ALWAYS GOT THEM, in the past ). I was in the XXXX, & thus had NO WAY OF KNOWING if in fact the Car had been picked-up by her? 
SHE TOLD ME SHE GOT THE CAR, I HAD GIVEN HER. 
WHY DID XXXX XXXX XXXX XXXX, take this ( XXXX ), off of MY CREDIT REPORT ... ... AND EXPERIAN DID ''NOT ''? 
Thanks, XXXX
I went to the personal finance section of XXXX for a soft Credit check to see if I could possibly qualify for a loan, but I never ask for credit to be check and now I am receiving letter from different company with refusals. which inturn goes on my credit report. my problem is I did ask for this
I have called Capital One Credit on several occasions to try to have my interest rate lowered because my payment is almost total interest. I have asked for any relief programs that they may have to no avail. I am a senior citizen on a fixed income, and my account with Capital One is currently closed, which I requested to try to get this account under control or to pay off. I have had no success with a interest rate reduction. Please advise. I need assistance to pay this account off. 

I have a ongoing medical issue and need assistance to try to pay this account in full, so I do not encounter any negative reporting on my credit history.
XXXX, XXXX, XXXX, and Capital One have refused to remove these credit inquiries from my reports. I did not apply for credit with Capital One as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX XXXX veteran  very difficult.
My account was disabled with Navient.
After calling in I was told not to worry my loan was paid in full in XX/XX/XXXX.
In XX/XX/XXXX I realize they are still withdrawing payments from my bank account.
I ask them to please stop several times. I try to log back into my account but it still says account disabled.
It 's ridiculous that an organization like Navient, who I have given tens of thousands of dollars to continues to take from my account when there is no debt to be paid back.
It feels like they are intentionally setting people up for things like this.
XXXX XXXX notified me that a new collection had been added to my account, who is owned by XXXX.I was unable to file a dispute, donot know the reason.XXXX XXXX, bought my account from XXXX XXXX XXXX, who had already listed this account on my report, listed that I owe them {$590.00} in XX/XX/XXXX,  XXXX has listed the same debt for the same amount of {$590.00}, which is a duplicate, of the same debt.I told them these account are duplicates and it is illegal to list them twice, and needs to be removed.All 3 of the credit should be notified, and take appropriate action.XXXX listed the debt on XX/XX/XXXX. 
I can not request a copy of my credit report online from Equifax, for years, because they have the incorrect security question.I have contacted them in regards to this matter, and it has not been corrected.They also ask incorrect question, in regards to my past place of resident. 
I contacted XXXX also, no response to date. 
There is also a debt for a payday loan, that I have written to these credit bureaus, multiple times, and it has not been corrected.I told them, I donot owe the amount listed, these people are rip-offs, and you pay them interest, and still have not paid the debt off.XXXX XXXX has listed I owe $ XXXX.They only lend me {$250.00}, and I paid {$300.00} for months .I donot owe XXXX XXXX any money.
About XXXXXX/XX/XXXX Owed only {$71000.00} XXXX ( XXXX XXXX ) on my home. I decided to refiniance with the current low rated. The mortage company call several times before. 

Early XXXX I sign a form to have monthly payments of {$980.00} from my account. According to the mortage Co. they did not get my mortage, I became afraid and called in {$980.00} XX/XX/XXXX see Exhib # 1. After noticing numerous overdraft I called my bank. XX/XX/XXXX and XX/XX/XXXXthe mortage company taking double payments out of my account up to {$3800.00} ; XXXX  without my permission. See Exhibit # 2 I am XXXX yrs old I dont know anything about mortages I trusted the mortage company and they did what they did what they wanted to with the aquity in my home. 

Please AudiXXXX my loan. I owe only XXXX XXXX my home the Co have me owing {$99000.00} they gave me {$1800.00} XXXX approx Please invistigate this. 
I sent a complaint to you XX/XX/XXXX via registered mail, I assume you did not recieve it since I recieved these papers again from you today. I will send evidence to you via fax since I dp not know to upload information on the computer ... ... I sincerly hope you recieved the documents sent last week XX/XX/XXXX.
Gold Key Credit , Inc., filed on my XXXX, XXXX and XXXX reports I owed them a debt. I sent several written notifications to verify and validate the allege debt. Gold Key Credit , Inc., has refused to verify or validate the date. I requested a copy of the contract signed by me that obligated me to pay Gold Key Credit , Inc., it has also refused to send me a copy of the allege contract showing my signature. 

Also, this allege account has someone else 's address. It was placed on my XXXX, XXXX and XXXX credit report.
I have reached out to Equifax about   XXXX inquires  that I did not apply for listed on my credit report. These inquires are unauthorized! I have also reached out to the companies listed on my report with no results. All are from the year of  2015 . I have no tieds to any of these inquires. I now have a  XXXX  account but never in  2015 . The only  2015  inquiry I do have is  XXXX .
Specialized Loan Servicing reported to the Credit Reporting Agencies that I made late payments from XX/XX/XXXX to XX/XX/XXXX. I was discharged from my Chapter XXXX bankruptcy XX/XX/XXXX and I have missed on payment in that year. They are reporting my late payments that occurred during my bankruptcy. They never gave me any notice during the bankruptcy that I was behind and instead falsely reported that I did n't make any payments for 8 months in XX/XX/XXXX. I have bank statements showing I paid the company every month accept XX/XX/XXXX and that is when I entered into a loan modification and was told not to pay that month. This false reporting has cause me not to be able to obtain lending. They should not have reported anything that happened during my bankruptcy they also never told me during the bankruptcy that I was behind making payments. Also, around XX/XX/XXXX I made a double payment and at the time asked them if I was all caught up on my payments to which the representative replied yes. They have a message that all phone calls are reported so we should be able to check the records.I have tried to dispute this issue with the company and the credit reporting agency to which they responded that they company is accurately reporting.
I have a letter from Select Portfolio Servicing stating that they are working on my file which indicate I have submitted paperwork for the short sale. My realtor has called several times as have I and they have not documented all calls. They were not really trying to work with us on this short sale. All request have been sent over. For them to verify that they rec 'd my paperwork and now say its not complete is ludicrous. 

I just wanted my investor to buy the home so I won't have a foreclosure on my record and the lender not have a property on hand both of us happy. I really need to move in some apartments that require I don't have a foreclosure on record. I have submitted all paperwork. 

The balance that they are saying I owe is XXXX more than over the balance. The balance is now XXXX and some and my balance was XXXX when I got behind. It does not take a scientist to know that whatever was added to my balance could not be this amount. When asked for an audit on my file I receive nothing because they said I have not paid Select Portfolio anything. They are correct with Select Portfolio. But I paid when it was with XXXX XXXX, XXXX XXXX and XXXX XXXX. So I was still suppose to this accounting information because it was TRANSFERRED TO THEM. I KNOW THAT XXXX XXXX INSURANCE HAVE PAID THEM FUNDS -- -- -- -- -- -- -- -- -- -- -THEREFORE THE BALANCE THAT THEY ARE STATING IS INCORRECT. THAT MAKES THIS LOAN A FRAUD -- -- -- -- -. 

What can be done to stop this foreclosure because that's the reason they are not working with me. The balances are wrong and I can't be approved if the totals that they are working with are not correct, the system will keep kicking them out. 

I have asked for an itemized statement in which I have not rec 'd will you help postphone this sale and get this information to me since they have not returned phonecalls or called the realtor since this process
I opened a checking account in XXXX 2016 that had a {$100.00} promotional bonus. I met all the requirements needed to get the bonus but keep getting the run around when trying to determine when the bonus will be applied.
I need to reduce the credit limit on my HELOC due to divorce. 

I have had three phone calls with Chase. Each time I call, I get different information about the process to reduce or freeze the account. The last time I called, I was told it would take 15 days to get a form to me, and 15 days after that to freeze the account.

I feel that the bank is be obstructionist about freezing the account. I am two months into the process of freezing this account. 

I have never missed a payment on this HELOC. The balance is approx 94,000. The limit is currently XXXX. I want to reduce the credit line to XXXX. 

The bank is now asking for my future ex wife 's signature to take any action. I can not get her to sign. So now I am finacially exposed due to Chase bank 's inaction.
I applied for a loan and did n't receive any money at all. I do n't know why this is on my credit
debt oriiginated in XXXX with XXXX XXXX XXXX {$250.00} payment was falsly reported in XXXX still receiving collection notices from Mandarich Law Group in XXXX
XXXX has a judgement that the date is not accurate. it says XXXX when the date is actually XXXX. I recently went to the court house to recieve this documention. I never did get served this judgement so I was never able to see the paper work for this judgement. In this loan i had cosigned with my ex for a XXXX and a XXXX. in the paperwork they have the original paperwork stating these XXXX vehicles which they combined into XXXX loan for us. Both of these vehicles were both repossesed. In the judgement it states that it sold the XXXX for {$8000.00} and put that amount towards the balance that I owed. But it doesnt state the XXXX nor how much they sold it for. And if they did sell it that balance never went to the balance that I owe. So the amount is not accurate. I re read it several times and the XXXX was never sold. so they took the XXXX and did whatever they wanted and got away with it.
Greentree mortgage company gave us a loan XXXX years ago at a 12+ interest rate. It was a predatory loan that we paid {$700.00} a month on for XXXX years. When this home was purchased it cost us {$56000.00} after XXXX years we owed {$64000.00}. They would not adjust our interest rate because they said it was private investors. They charged {$55.00} a day for every day we were late on our payment. This practice should be illegal and they should not be able to try to collect this amount from us because we have paid the cost of the house at approximately {$110000.00} and still owe {$8000.00} more than the original price of the home. This debt should be forgiven and should not impact our credit rating
I contacted Portfolio Recovery Associates in regard to the debt that they placed on my credit report in XX/XX/XXXX. It was an original debt by XXXX XXXX. There was some fraudulent charges on the account in XX/XX/XXXX. XXXX XXXX closed the account in XX/XX/XXXX. XXXX XXXX  is not even on my credit report anymore. They did the right thing. Portfolio Recovery Associates informed me that this account was opened with XXXX XXXX back in XX/XX/XXXX. This account was opened with XXXX XXXX in or around XX/XX/XXXX -XX/XX/XXXX. The account with XXXX XXXX was closed in XX/XX/XXXX. However, Portfolio Recovery Associates placed a collection on me. I did n't know it until I pulled my credit report back in XXXX. They claimed to have placed it there in XXXX. I told them to send me something in writing to prove the debt and they have not. They also told me that an attorney has not been assigned to the debt. They have not sent me anything. They just want money. I spoke with them again on XX/XX/XXXX. That is when I gave them my address. They never even had the address, so how could they have even sent me notice. I want this debt removed from my credit report because this is wrong on many levels.