WillisBack/dataset-financial-user-claim huggingface dataset:
I, XXXX, completely paid off my medical debt prior to the trial date for the lawsuit that debt collector, Smith Rouchon and Associates ( of XXXX, Mississippi ), filed against me in the Justice Court of XXXX County, Mississippi. 

Despite my full payment - and my being issued a receipt from the law firm for debt collector, Smith Rouchon and Associates, which is named XXXX ( XXXX, Mississippi, as well ) - this debt collector, through its attorneys, still went ahead and obtained a Default Judgment against me. 

In order to obtain this Default Judgment, Smith Rouchon and Assoc./XXXX, went to Court and swore to the Court that I still owed this ( completely paid-off ) medical debt. This was a false certification to the Court. I had paid off the debt, in full, prior to this hearing date in XXXX County ( Mississippi ) Justice Court. 

I did not show up for that trial/hearing date, since I had paid off the debt, and I had a receipt for my full payment. 

Years went by before I discovered that this fraudulently-obtained Default Judgment against me was filed. I only discovered this shocking fact after I was denied for automobile loans, could not obtain a mortgage for the amount I needed, and other severe problems stemming from this fraudulent Default Judgment being reported to the major credit-reporting-bureaus. 

I paid my debt, yet Smith Rouchon and Assoc./XXXX, nonetheless, went ahead and lied to the Court and obtained a fraudulent Default Judgment against me that ruined my credit for years. 

This situation has caused me financial harm, embarrassment, incredible XXXX, and shame.
My wife will be XXXX in XX/XX/XXXX. There is a Federal Student Loan approx. XXXX that she owes. At one point, around XX/XX/XXXX, the debt was paid down to $ XXXX but this debt now has ballooned to an amount in excess of $ XXXX. 

On XX/XX/XXXX her Social Security direct deposit came in at XXXX instead of the XXXX that she receives every month. We called SSA and found out that her money was routed through the Dept of Education ( DoE ). I called the DoE and a recorder said that there is a specific collection agency ( XXXX ) that handles my wife 's loan, so apparently this XXXX decided to reduce her pay by XXXX to go towards the student loan. 

Supposedly she was sent a notice which has never arrived. We have lived at the same address since XX/XX/XXXX. 

Is there anything here that is not legal?
I have been contacting Synchrony Bank since the beginning of XX/XX/XXXX ( see Attachment 1 ). I recently paid off my card with a {$1900.00} payment, then purchased a new item for {$840.00}. 

An initial response stated from XXXX XXXX stated on XX/XX/XXXX, " Your statement will print on or around the 21st of each month and your due date will be on the 14th of each month. Currently you will not have another payment due until XX/XX/XXXX. '' Since that time I have been seeking clarification to this answer through their website on multiple occasions ( see Attachment 2 ), and during this time I keep getting the same answer, " we were required to escalate your request to our corporate office for handling '' yet NEVER AN ANSWER from the corporate office in over 3 weeks. 

Now I am being fraudulently charged an interest charge of {$10.00} for a new purchase of {$840.00} when Synchrony clearly stated my first payment was n't due until XX/XX/XXXX ( see attachment 3 ).
I have been trying to get verification and validation of an account owned by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is not even recognized by Consumer Finance Protection Bureau and they have no listed address for them listed as a financial institution. Commenity Bank or XXXX XXXX XXXX have failed to provide any documentation proving this debt was passed on from XXXX XXXX XXXX to their offices. They have not provided any written or signed application or documents concerning this account after many repeated attempts. The only notice they continue to send in one statement and a notice saying Commenity sold CRA the account but no legal documents or contracts
Transunion was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,
XXXX History of Wells Fargo Foreclosure XXXX, FL XXXX XXXX XXXX/XXXX/XXXX When we stabilized financially 3 months later Called Wells Fargo and tried to set something up to get house loan caught up. 
Was told they would not except any payments as we were in Foreclosure Wells Fargo Stated not to worry we would get a loan modification. 

Sent financial papers requested by Wells Fargo for 6 months with me calling them once or twice a week. 

Were told not to worry about the original foreclosure date as it would be pushed out since I was in line for a loan modification. 

As Wells Fargo had not told me anything truthful since I started talking to them We contacted their lawyers. 

Deal was struck ( Stipulation ) with their Lawyers to catch up on payments. Sent $ XXXX and was to make $ XXXX payments for 13 months. ( Which I did ) They foreclosed after I had made agreement. Wells Fargo bought my house at action for {$70000.00}, on the tax rolls as of XXXX it is appraised at {$250000.00} Contacted attorney ( XXXX XXXX ), He went to court and had Foreclosure reversed. 

Made Twelve of Thirteen payments. Wells Fargo went back to court and got new sales date set for XXXX, XXXX. 

Paid thirteenth payment. Wells Fargo set new sale on XXXX/XXXX/XXXX Attorney ( XXXX XXXX ), went back to court and stopped sale again. 

Attorney ( XXXX XXXX XXXX, Had me go to Wells Fargo and start making Payments. 

Wells Fargo informed me they could not accept any funds as I was in Foreclosure. 

Attorney ( XXXX XXXX ), had us make payments to the court registry. 
{$1700.00} a month for 12 months, which we did. Notified their lawyer every month of payment sitting at court registry. 

XXXX/XXXX/XXXX Went back to court, Wells Fargo did not show up. Order vacating Final judgement dismissing case with prejudice. ( my favor ) XXXX/XXXX/XXXX Went back to court, Wells Fargo did not show up. Court ordered funds in court registry given back to me. $ XXXX Dormant for 2 years 4 months. Not a word XXXX/XXXX/XXXX Wells Fargo Started new foreclosure case using different date different case. Before their new date I had paid $ XXXX to them or to court registry. 

XXXX/XXXX/XXXX 2nd Case Dismissed under the XXXX XXXX XXXX XXXX 

XXXX/XXXX/XXXX Sitting in limbo again
Experian, XXXX, XXXX have allowed computer hackers to access my credit and personal information and allowed hackers to open many accounts and taken all of my money in my accounts.
On XX/XX/2018 Exeter Finance Corp were paid in full by XXXX and the cap protection for a auto loan. EXETER Finance promise to report the loan as paid in full. Exeter Finance Corp is still reporting a balance of XXXX owed. Exeter Finance has recently sent an overpayment refund check in the amount of {$220.00} approximately. I have documented proof from Exeter Finance that the  debt has been paid in full. On XX/XX/2018 this account is showing open with a balance after being closed with XXXX balance on all three credit reports.
XXXX/XXXX/XXXX I sent a letter stating i did not owe XXXX and asked for documentation. I did n't get any then I called and inquired about my IBR income based repayment plan and asked about a consolidation loan but then they told me that I would lose three years of being on the program this was in XXXX XXXX. On XXXX/XXXX/XXXX I asked for proof of my signature and they sent me back proof of only XXXX and beyond that point but only one signature nothing before or after that date. Then in XXXX I find out that the loans have been consolidated after they sent me proof of my signatures I asked for them to be removed. So i feel they consolidated them with out permission since they could n't provide me proof of prior loans on my file. They transferred me to the fraud department he took my name and work number. He did some investigating and he saw I called and inquired but I never signed to get them consolidated. He said since their is not signature on file he would reverse them. Now in late XXXX XXXX I get a letter saying sorry but there is nothing they can do they can not reverse the consolidation. I feel there were some errors on some loans and they took it upon them sleves to consolidate so they would n't have to provide the proof i was asking for.
Capital Accounts has been trying to collect a debt from XXXX XXXX whom I never been too. I could only assume XXXX XXXX bought out my XXXX XXXX XXXX XXXX. In XX/XX/XXXX I went to XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. They had difficulty matching the color after 3 trys they asked me to drive downtown to the XXXX XXXX in turn they offered a discount leaving my bill to {$390.00} which was paid via XXXX XXXX XX/XX/XXXX2011. I 've explained this to Capital Accounts numerous times. In the period they 've had this the balance owed has increased 3 times.
Keep receiving automated telephone calls indicating they are Amsher Debt Collection Agency calling in regards to a debt. No debts - nothing is owed to anyone.
On XX/XX/XXXX I spoke with XXXX, supervisor for XXXX XXXX about a settlement offer of {$550.00}. She accepted the offer but told me she would contact me on Monday, XX/XX/XXXX to process the payment since she needed to allow 48 hours to process the settlement offer. XXXX never contacted me.

I spoke with XXXX XXXX  at XXXX XXXX today who stated he would not honor the settlement agreement I had with XXXX.
I represent a company by the name of XXXX. in XXXX Ca XXXX. We just received an email from Flagstar Bank in XXXX Michigan with the following message. 
Dear XXXX, Flagstar Bank has conducted a Management Review of your status as an eligible Escrow Agent. Based upon our analysis, we have made a business decision to exclude your company from our eligible list. 

It is Flagstar 's policy not to discuss the basis for its decisions. 


Thank you Flagstar XXXX Support Specialist-Funding XXXX MI XXXX All settlement agent approval docs and questions send to XXXX Call funding support assistance at XXXX, follow the prompts We are a very reputable company and we work closely with buyers and sellers in California. For a lender such as Flagstar Bank to force us to cancel an escrow that we have already completed XXXX % of the work needed is unconscionable. For the benefit of the buyer and seller on this transaction, we will cancel this escrow so they can close with another company, but this act by Flagstar Bank will damage future business. At the very least we should know why they so we have an opportunity to correct any issues, Thank You
Transunion is reporting XXXX property tax liens on my credit report from XXXX. 
These are not mine as I have never owned any real estate property in XXXX. In fact, I have never even visited this state or done any business there in my life. I have disputed this with Transunion but they stated liens were verified as valid and refused to remove. Please help. 
XXXX XXXX RECORDER XXXX - Docket # : XXXX XXXX XXXX - RECOR - Docket # : XXXX XXXX XXXX XXXX XXXX - Docket # : XXXX
I own Sallie mae about {$3100.00}. So I made 2 month payment to be ahead of the time. So I check student loan account and my payment is due in 2 week. Well they took my 2nd month payment to cover ridiculous huge fee and b.s stuffs. I paid 2 month! I was told that my monthly payment is XXXX or XXXX and now its XXXX. I don't know where the heck that number come from. I try to contact them few time and they just keep hanging up on me. also they are ruining my credit score! Thanks a lot Sallie Mae for stealing my education money.
I have been trying to have my name added to the loan they did it but it is still wrong. I 'd like to receive a copy of my original loan and servicing documents, I yet to receive them. I have been given the run around. At first they sent me documents to say that I am not on the loan and once I pointed out on the assumption document that was my signature, were I signed first. they changed it but they have me as second on the loan and I am the borrower and my parents we the co-signers or co-borrowers on the loan. I have also asked for a copy of my payments from 1998 that would be another way to prove my title on this loan and have yet to receive those also. According to Real Estate Settlement Procedures and Uniform Commercial code I am well in my rights to receive the documents I am requesting and they need to prove they have the right to collect monies on this loan. I have trying to have this resolved since they took over the alleged servicing of this loan and we are still in the same place with the run around.
Was unaware of debt owed and no contact was attempted by the collection agency or the school. I found out when I received an email from my credit report monitoring company contacted me.
My truck was repossessed while I was in the hospital. I was in contact via email with a representative who was made aware of the situation. Upon logging in, it appears that my principal balance has not budged and I have had the loan for over a year. My {$400.00} a month is going straight to fees and interest. This is highway robbery. I have now investigated the finance company further and recognized that others have been victim to this company. They are a subprime loan company in the business of financing cars for higher than they are worth and then repossessing them as soon as they can. They then turn around and auction the car and garnish wages of the customer for the remaining balance ( well over what the car is worth ). XXXX XXXX XXXX and Gateway financial are in the business of ripping off desperate customers who have to get a vehicle right away for work purposes and are mislead. The truth in lending is not honest. I knew when XXXX at XXXX XXXX was having us quickly sign the paperwork that I should have had him slow down. He just verbally summarized each page we signed and I had no idea what I was getting into. I thought the payment was {$170.00} a month ( which would be fair for a used base XXXX XXXX that has been beat and wo n't run for longer than another year if that ). That must have been one of the pages that he literally summarized ( as they were closing at the time ) and flipped the page quickly. I had no idea I was signing for a 5 year loan of {$380.00} a month for this junk of a truck. I am under water in the truck and my finances. I tried to make it happen once I found out the actual monthly payment, but obviously I got a month behind and they just repossessed it even though I was in contact and informed her that I just had XXXX and was in the hospital. This financial institution combined with XXXX XXXX XXXX needs to be thoroughly investigated in regards to their loans. I did n't even think they were allowed to give a loan for more than the blue book value? I am so confused and feeling scammed. I tried to get through it and feel completely bullied and lied to. Now my fiance does not have a truck for work to even make the payments!!! I do n't know what we are going to do.
I went to apply for a loan to buy a house, and it turned out I have collection reported on my credit report. when I called them it turned out I have a bill of {$340.00}, I do n't know where that came from, I have health insurance. but I decided to pay it same day because I never had any collection or debt in my whole life. the man from the collection company is called XXXX XXXX, the company name id designed receivable solutions ( www.drsi.ws ) and their address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX told me if I paid the bill I will receive a letter from him that I paid my debt and they will report to the XXXX credit companies that I am clear. the payment was made XXXX/XXXXXX/XX/2015 and you will see the transaction in the document attached. since that day until today I 've been calling him everyday and he is ignoring my calls saying I sent you the letter. I asked him to email it and he said that he cant, I asked him to ship it with tracking number and he can charge me for the shipping he refused, I begged him to send it and my last phone call with him, he said that I should realistic, and that I should have known better that he will not send me anything. and he did not remove the collection from my credit reports. 
I am really helpless and this is really unfair, I am the one who called them and paid my debt and he promised he will send me the documents and he is not. my life is ruined from this situation, I could not get the loan for the house. and I paid it. this is really unfair. please I need your help with this matter. just make them send me the letter and clear the bill from my credit reports. I had a high credit score but after the collection record came on my account, my credit score dropped. I never had any debt in my life. I pay my bills in time. this is really unfair and Sad. I really appreciate your help.
Trans Union irresponsibly used their system to fabricate my credit inquiry history.

Section 6 11 of the fair credit reporting act states you must receive a notification within five days of inquiry reinsertion. I was a victim of a inquiry issue by TRANS UNION. I've notified Trans Union of the error with no effort to have the issue resolved. There is a list of credit inquiries that I believe to be mistaken for someone else 's credit report and none of my current creditors are listed in the inquiry section of my credit report. Listing SIXTEEN credit inquiries on file. Four of which were XXXX XXXX! Two from XXXX. Two are listed as XXXX! XXXX XXXXl. XXXX XXXX. XXXX XXXX XXXX. Two XXXX XXXX XXXX, I researched them and they will finance you a vehicle..at EIGHTEEN PERCENT Why would anyone that?! I called TRANS UNION and demanded they fix my credit report, THEY SAID THERE IS NOTHING THEY CAN DO.
I have disputed this item several times with all XXXX credit bureaus and they have not updated information. I would like this deleted from my credit report.
Used PayPal account linked to XXXX to sell an item ( XXXX ). PayPal sent me an email that the payment was received. I then shipped the purchase item and marked it as sent, along with tracking number and necessary info. After the item was sent, the payment was cancelled by the buyer and PayPal allowed the cancellation although the product was already sent and no refunds or returns was on the listing. Of course, the buyer did not return the product either as this was a plan for fraud. After filing a dispute with PayPal and calling several times, they refused to credit my account or reimburse me. They claimed it was my fault for not making sure I claimed the payment first although they were the ones who sent me an email that I had received payment. PayPal is known for doing this all the time and allowing buyers to commit fraud while leaving sellers at a loss with losing the product and not receiving payment. Furthermore, after selling another item which has been delivered several weeks ago, PayPal continues to retain the payment on hold, which should be available to me by now.
On XXXX XXXX, 2016, I closed on a conventional fixed mortgage loan with Quicken Loan ( QL ). It was a debt consolidation loan. I had XXXX accounts for payment. Quicken Loan only paid off XXXX - my previous mortgage for {$71000.00}. The other XXXX creditors totaling {$73000.00} have not been paid. The accounts were XXXX ( CD ) - {$24000.00} ; XXXX XXXX ( CC ) - {$10000.00} ; XXXX XXXX XXXX XXXX ) - {$17000.00} ; XXXX XXXX XXXX XXXX ) - {$13000.00} ; XXXX - {$3200.00} ; XXXX XXXX - {$2100.00} ; XXXX XXXX - {$1500.00} and XXXX XXXX - {$340.00}. After numerous calls and QL emails the past five months, the XXXX creditors still have not been paid.
My name is on these loans only because I was a co sign. They were not my loans. 
I never made the payments-not one. I want them removed from my credit report, because My credit score is falsely is reported. They say it is correctly reported but it is incorrect. They say my dispute is not specific-What does that mean? 
I want them removed. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TXXXXX-XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NC XXXX
I have a family friend that I used as a cosigner/coborrower. 
Movement Mortgage still put us as married despite me telling them numerous times AND sending in signed documentation/letter saying we were not married. 
Now my deed/title to the house says we are married -- which btw I never received a copy of -- I only found this out because I 'm in the middle of a refinance!!! 
Movement Mortgage got bought out XXXX. This is just a huge mess!!!!!!
XXXX XXXX has failed to have my account reinserted in the credit bureaus after deleting this by error. It's been months now and I have gotten nowhere. They have basically been creating me a lot of hardship because my credit score is fair due to their error
On XX/XX/2017 I have received two notices from Trans-Continental Credit & Collection Corp. regarding a XXXX Hospital 's bill which totally disagree with because XXXX who represents the Registration Department of the XXXX XXXX XXXX XXXX took care of the medical bill through the financial assistance that is one of the program of the XXXX Hospital.
Enhanced Recovery Company-XXXX, FLThey put a collection on my credit report, never notified me and gave the opportunity to dispute and ask for validation. This lowered my credit score XXXX points. I found this out when I applied for an auto loan.
I called my bank to place a stop payment more than 2 weeks in advance. The payment went through and now my bank account is - {$360.00}, until I get paid again, which is XXXX XXXX, 2016.
I notice several hard inquiries that doesn't belong XXXX on XX/XX/XXXX __ XXXX on XX/XX/XXXX __ XXXX XXXX XX/XX/XXXX __ XXXX XXXX XX/XX/XXXX __ XXXX XXXX XXXX XX/XX/XXXX
In XXXX and XX/XX/2018 It says I missed Payments. I thought my Student loans were still in deferment. I am was in financial hardship and couldn't afford any I didn't know the information needed to see my status of delinquency at the time. The balance had gotten up to {$920.00} and I couldn't afford that. I reapplied to deferment and got approved again but the damage was already done and my delinquency was reported to the credit bureau.
COMENITYCAPITAL/XXXX this was opened in XX/XX/XXXX and I did order some items before XXXX however I had some issues with some of the items that I had ordered and returned them back to XXXX and they are still showing a balance owing the items were sent back in XX/XX/XXXX and i am still getting harassing phone calls from a collection agency from this company who sent this to collections