WillisBack/dataset-financial-user-claim huggingface dataset:
I traded in 2013 XXXX XXXX that was financed with Chase to XXXX XXXX XXXX. XXXX XXXX XXXX bought the XXXX from me in XXXX and sent payment to Chase Finance for the payoff amount. However, Chase continued to contract me about payment, even though I no longer had possession of the vehicle and did not own it.
The office of the Attorney general 's office is reporting i owe back child support in the amount of {$12000.00} since XX/XX/XXXX and i have had custody of my XXXX year old daughter since XX/XX/XXXX .I have tried multiple times over the phone and visiting the local office and still they refuse to remove it from my credit report.I am having a difficult time getting hired by XXXX XXXX XXXX as well due to the high amount being reported being over the allowable limit of {$1000.00} in colloection 's by there company.So i am still unemployed pending this, and it has knocked my credit score down over 60 points also .I contacted XXXX and Experian to dispute it as well and still have n't had luck through them either. My custody is pending a court order to finalize via the court 's, i would like assistance now to have it removed and i have over 13,000 dollars on hold for me since it 's being taken out of my child support weekly still. Thank You, XXXX XXXX
I was XXXX in XXXX in XXXX XXXX and I received an email in XXXX that my Clearance was being Adjudicated, on XXXX XXXX, XXXX a list of the accounts was provided from my XXXX and I then learned one of the accounts involving a Ford Motor Account that had been reported as Charged Off by the Credit Reporting Agency. I was sent a picture of a Collection letter that was sent to my children 's home in XXXX NC, I called the Law Office on XXXX XXXX, XXXX and explained that I was currently XXXX in XXXX and had disputed the account with Ford Motor because I had requested that the account be adjusted for charges and fees paid in violation of the SCRA over the 5 year period I had been recalled to XXXX XXXX. I had been XXXX a few times during that time and had know idea that the account had be charged off or placed into collections, I also stated that I was very willing to pay the account in full, once the charges were adjusted according to the SCRA 6 % Limitations, and that last thing I wanted was for this to become a court case. She told me that the case was placed with the firms office, and they had n't contacted anyone about the account and as long as I was willing to work with them to get it paid, it would n't be filed in a court action. I had been calling the law firm office and was still waiting to hear back about the adjustments, but it was the XXXX holiday and I had n't been able to reach anyone for almost 3 weeks when a Default Judgement was mailed to the North Carolina address in XXXX XXXX. I was never told that a Complaint was filed and the only thing in the mail was a Motion for a Default Judgement without a hearing, there was n't a Complaint Filed that I can see and I did n't want to call the collection agency back after I realized that they had just been stalling me about the adjustments to the account. The judgement has been placed on my credit report by the Court, I thought that they had been notified about my XXXX and that I did n't reside in North Carolina, but a Clerk of Court through the documents filed with the Court on XXXX XXXX, XXXX away. I do n't think contacting the Court myself will help, and even a Attorney would be seen as my representative, and could give the Court jurisdiction. I ca n't afford a Attorney and I do n't trust the law firm who deceived me last year, so I 'm hoping contacting them through the CFPB will make sure I 'm not blocked by a Clerk and a Judge can Vacate the Judgement or Dismiss it. I 'm afraid this Attorney will drain my bank account or something else, she has been sending letter to the house in XXXX and threatening my family. I feel like I do n't have any way to stop this attorney from harassing my family except paying them, I do n't see why they did n't just let me pay Ford Motor in XXXX, is n't that what a Collection Agency does? I will not have any further contact with this firm.
My husband and I bought a home in XXXX, XXXX through Weichert Financial Services. In XXXX, they sold the loan to XXXX. I received a letter and coupon book clearly stating our first payment was due on XXXX XXXX, XXXX. I made the loan payment through XXXX phone system on XXXX/XXXX/XXXX and it cleared my bank on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a call from Weichert 's collection department for my XXXX payment. I explained the situation and the representative asked for proof. On XXXX/XXXX/XXXX, I then called XXXX & was told they could n't call Weichert, as Weichert would have to reach out to XXXX. I explained I had nothing to do with the selling of the loan, & XXXX & Weichert needed to communicate with each other. XXXX agreed, but since I was talking to a " call center ", Weichert would have to call them. Ten minutes later, I called Weichert & talked to three different people before I was transferred to the right department. I told the representative she could call XXXX & get reimbursed. I was told I had to provide proof of payment & my bank statement & confirmation number of the payment from XXXX was NOT enough. She said I needed to get something else from my bank. I hung up on her because of my frustration & her attitude. I have been a XXXX for 17 years, I have NEVER said to anyone a copy of a bank statement was n't ENOUGH proof of payment. 
My husband went to our bank & was able to get a signed letter from the Sales And Service Manager stating the mortgage payment was taken out of our account on XXXX/XXXX/XXXX. I then faxed a letter explaining all of this, along with the copy of the letter from XXXX & the coupon book showing the first payment was due on XXXX/XXXX/XXXX, my bank statement & the letter from my bank. Yesterday, I get a statement from Weichert, not only for XXXX, but they want XXXX mortgage payment too! If they sold the loan, WHY would they think they are entitled to XXXX payment!?!? I am extremely angry, & warned Weichert, if this was n't straightened out, or if this effected my credit, I would file a complaint with the CFPB.
Factual Data and XXXX put XXXX Hard Inquiries on my credit Report. My understanding is if you apply for a mortgage with multiple companies within a month, there should not be multiple inquires.
XXXX has been non-compliant with removing the unverified account WELLS FARGO HOME MOR which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO HOME MOR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I mailed a letter requesting a Validation of Debt. The Validation of Debt letter was mailed via Certified Mail and delivered and signed for by a Williams & Fudge employee on XXXX at XXXX, SC XXXX. As of yet, the firm has not complied with my request. This VOD was mailed well within the 30 day time period as stated by law. 
Under the Fair Debt Collections Practices Act, it mandates in FDCPA section 809 ( b ), 15 USC 1692g, if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall CEASE AND DESIST collection of the debt, or any disputed portion thereof, UNTIL the debt collector obtains VALIDATION OF THE DEBT. 
If any debt collector fails to comply with the " validation of debt notice '' the borrower is entitled to an award of actual damages, statutory damages up to {$1000.00} XXXX per count ), cost and attorneys fees. 15 U.S.C. Sec. 1692k ( a ). Class action relief is also available. 15 U.S.C. Sec 1692k ( a ) ( B ). 
William 's & Fudge has not responded to my Verification of Debt, nor my follow up demand for my account to be closed due to their FDCPA violation. I have not received any documentation verifying the alleged debt, nor a confirmation of account closure that is required due to the company 's FDCPA violation.
I checked my credit report and in collections there is a company ive never heard of called West Bay Acuqisition which I looked up and they said its a scam collection. It says it was XXXX XXXX 2015 which I do not recall any charges for XXXX dollars. I want this off of my credit report or something that shows me that I did make a purchase.
I am no longer able to access my account with a third party. The bank basically told me that there wasnt anything they could do even though they are the ones blocking it!
I am sick and tired of getting credit card, loan, and insurance mail from USAA. I 've called these XXXX and told them I 'm not interested in there products, but I still keep getting mail from them. I want it stopped.
I woke up and decided to withdraw all my money from coinbase and I've been locked out of my Coinbase account since XXXX XXXX and there appears no way for me to access my account So what I did is open up a case at coinbase support and there was no response from them.I called them and talked to XXXX and she said ve just checked your account and can confirm that your request has been properly escalated.It all happned because I was verifying my id because all 3 heavy payment sending delay was 72hr and all of a sudden I was logout of account with suspended msg.Iam afraid by looking at your post I would loose my money.I recomend better wait for 72hr and pull all your money instead of choosing id verification.I agree if you dont have your private keys dont expect you are 100 % secure
Many years back ; we got from Chase Manhattan Bank an Equity Loan on our fully pay home ; every 10 years ; we renewed the loan ; the last expiration date of the equity loan was ; XXXX/XXXX/2015 ; and as we did before, we apply to renew the Equity loan before ; but after we presented the application and all the requested paperwork ; including the income taxes for the last 3 years, etc. ; the equity loan renewal was denied, because we have : too many payments obligations ; and not enough income to renovate the Equity Loan and be able to make the monthly payments of approximate {$1300.00} ; therefore ; since we do not qualify to renovate the Equity Loan ; the JPMorgan Chase officers ; converted existing Equity Loan witch used to have minimum payments of {$1300.00} a Month ; to a 15 years mortgage with monthly payments of approximate {$3400.00} ; and we was qualified for this new mortgage and approved! 
In other words without any changes in our income or expenses ; we do n't qualify to pay {$1300.00} a month ; but yes we qualify to pay {$3400.00} a month ... Can anybody explain this? 
I believe this is something very unfair ; and we had been discriminated ; and harassed ; because me and my wife that we are in the XXXX 's ; will need to earn {$25000.00} more every year ; to be able to make the new mortgage payments ; and at this age how we will earn this additional income every year? 
Consequently to be able to make the payments in time ; at this age ; we are working part-time ; ( besides our regular work ) and are borrowing money from the family ; and using credit cards ; but we no longer will be able to continue like this, and we will lose our home.. 
We never make late payments to this loan ; or any other one ; we never have a foreclosure ; we never been in bankruptcy ; and the value of the property is between {>= $1,000,000}. to {>= $1,000,000} ; full paid ; except for the {$460000.00} Equity Loan balance. 
And why ; at list ; the JPMorgan Chase officers converted the Equity Loan to a 15 years mortgage with huge monthly payments instead to a 30 years mortgage with a smaller more affordable monthly payment ; without give us the opportunity to choose or consulting us first.. 
After the JPMorgan Chase officers decided that we do n't qualify to renew the Equity Loan for 10 more years ; and immediately approve us for the conversion of the Equity loan to a 15 Years Mortgage ; ca n't they instead of convert the Equity Loan to a 15 years Mortgage with unaffordable monthly payments, give us the opportunity to renew the Equity loan for only one or two years, to give us the time and the opportunity to sell other full paid properties that we own and pay in full the balance of the Equity loan ; or pay a percentage of the balance and have a smaller Equity Loan and be able to qualify? 
Can the any Government Institution found out why JPMorgan Chase did this to us ; and if is any possibility to reverse this " non common senses '' : That without any changes in our income or expenses ; we do n't qualify to pay {$1300.00} a month ; but yes we qualify to pay {$3400.00} a month?
I have disputed account XXXX with Equifax several times. I have not had any success with getting this account removed from my credit file. This is not my account. I do n't know where this account come from. I was a victim of identity theft more than a year ago.
I notified BB & T on Monday, XXXX XXXX 2017 of a fraudulent transaction I found on my statement. I called XXXX spoke with XXXX and reported a fraudulent charge in the amount of {$760.00} posted to my account on XXXX XXXX 2017 I was  given a case number but the funds have not been returned to my account as of XXXX, XXXX 2017. I was under the impression according to the Federal Fair Credit and Reporting Act that this unknown and fraudulent charge is to be returned to my account immediately while any further investigation ensues. I have since called BB & T asking to be transferred to the fraud department to discuss an existing claim and have been put on interminable holds both times.
During the term of my Mortgage loan with Bank of America. I have paid from time to time " Principle '' payments along with my regular monthly payment in each case Bank of America has misapplied these funds. Upon discovery I wrote them with their online interface to advise BOA of the same. Their response was that they would apply first to outstanding interest IF payments were late then principle owing for that payment then if the payment was on time they would apply principle. I was on time with my payment in every case, I specifically designated the payment I had chosen for Principle. The next time I logged on the option to pay principle online was removed. I inquited in their online interface asa to why? BOA responded that they had " issues '' with accounting on this option in the past. The next log on I again applied my usual payment and designated Principle only to discover that it had been applied to INTERST. You need to be aware that BOA is not applying payments in accordance with their agreed upon contractual arrangements.
FMS student loan collections : I have been threatened over the phone, they have used intimidation tactics, I have had an agent threaten that I will have my wages garnished. I have had multiple agents disclose the exact quotes, after telling them my name is XXXX, they have screamed at me over the phone stating " you need to confirm your name is XXXX, and your last four of your social is XXXX '' Also One time I told them I had no problem updating my mailing address but I dont want harassing letters sent to me in the mail. And the first thing they do is send me multiple debt collection letters.
I have an active MasterCard that I opened several years ago with XXXX XXXX. In XX/XX/2018 XXXX sold their credit card portfolio to XXXX MasterCards, a subsidiary of XXXX XXXX XXXX  XXXX, XXXX, South Dakota. XXXX sent a letter to me and all customers notifying them about the portfolio sale to XXXX effective in XX/XX/XXXX. 

In XX/XX/XXXX, when XXXX XXXX XXXX  XXXX reported my Mastercard account to XXXX, Equifax and XXXX   for the first time, my fico credit scores with these 3 credit bureaus all dropped dramatically. My scores dropped 103 points with XXXX, 97 points with Equifax, and over 50 points with XXXX. 

I did not have a late payment or an increase in my balance, or any other negative action on my part. In fact my XXXX   report that I access through XXXX noted that I had paid the balance lower and they showed that as a positive change. Additionally there are no other recent changes, late payments, increased debt, or any other negative items on any of my other accounts. This drop in my score is definitely the result of the XXXX to XXXX sale. 

So, because one financial company ( XXXX ) sold their credit card portfolio to another company ( XXXX / XXXX XXXX XXXX  XXXX ) the result of their actions is my credit score plummeted about 100 points. I did nothing wrong here. I should not be punished and harmed when I've done absolutely nothing wrong. 

I have called each credit bureau and XXXX Mastercard, as well as contacted XXXX XXXX XXXX  XXXX. I also filed disputes with XXXX and Equifax. Results : XXXX told me they are reporting correctly and the credit bureaus responded that they investigated and verified the details of my account at XXXX. Everything shows paid as agreed and no other negative issues. 

Summary : I can not get an answer from any credit bureau about why they destroyed my credit rating and lowered my scores about 100 points, when this credit card portfolio was sold. It is not fair business practice to cause great harm to the consumer when I've done nothing but meet my obligations. The bureaus harmed me because two big companies sold this portfolio. I had nothing to do with that.
I obtained my credit report from TransUnion, file # XXXX and noticed a hard inquiry was recorded on my report from XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX, submitted on XX/XX/XXXX. I have never applied for credit or a loan through this company. On XX/XX/XXXX, I contacted TransUnion to inform them of the incorrect information on my credit report and that I did not apply for credit through this company. The male employee informed me that he could not do anything to assist me, would not remove the hard inquiry, and that it was my responsibility to contact XXXX and obtain a letter from them verifying I did not apply for credit. Also, he informed me that this would stay on my credit report until they receive a letter from the company. He would not provide me any information regarding the individual who requested the credit. I asked to speak to a supervisor and he refused to let me talk to one. I requested to have a fraudulent inquiry put on my file to ensure this does not occur again.
I mailed West Asset Managment a validation of debt request letter on XX/XX/2015. 

Pursuant to the Fair Debt Collection Practices Act, I requested the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; andProvide me with your license numbers and Registered Agent. 

I requested the information be furnished to me within 30 days or all collection activity cease and negative accounts be removed from my credit reportsWest Asett Management failed to respond to my validation request within 30 days from the date of their receipt. 

I received a letter dated XXXX/XXXX/2015 from West Asset Management stating that " pursuant to the enclosed debt verification, West Asset Management , Inc. and it 's client ( XXXX XXXX XXXX XXXX ) have concluded that the information on my credit report is accurate ''. However, there was no enclosed debt verification attached to the letter they sent me. 

West Asset Managment does not have a license to collect in the state I reside in ( Missouri ). 

I believe West Asset Management is unethical and nlawful debt practices.
i have sent multiple emails to the risk department with proof of my address, my driver 's license, and 2 receipts and packs at a value of {$400.00} and they are refusing to refund me my money still. i have talked to XXXX who is a 3rd party and does nothing but forward the emails, i have spoken to XXXX who all of a sudden doesn't work there i was told i would be getting a full refund of the {$1300.00} in my account. i spoke to a person named XXXX that said he was supervisor who told me to send in what i could and i would get a refund. these packs were given to me by my grandmother before she passed. this has been going on since XX/XX/XXXX, i have been trying to resolve this since XX/XX/XXXX. my grandmother has since passed away, i have told them over and over that i have not been able to locate the receipts for the other 2 packs becauae she purchased them. i was told that was fine and to send what i had and i would get a full refund, i needed that money to assist with her funeral. i was also told by XXXX that because this company doesnt employ XXXX people or have XXXX people in the company he doesnt know how to deal with people like me. i also received documentation for another customer that states fraud, it shows that they place blocks on any and everyones account for the baseless reasons, no proof of fraud whatsoever, i have never been accused of fraud by them but getting this letter shows this is the route they will go that route. i have never spoken to an actually supervisor only customer service reps. this company is a joke a scam.
I applied the American Express gold card with two promotions 1 )  getting XXXX points after spending {$2000.00} and 2 ) getting  20 % cash back for restaurant expenses, up to total of {$100.00}. After hitting the target I never received any bonuses so I called AMEX and they said my " welcome bonuses '' were rejected. This card charges a hefty {$250.00} annual fee and they are not honoring any of the promotions. They are not able to provide any specific explanation of why the offers were rejected, nor did they ever notice my of the issue during or after the application process.
On XX/XX/XXXX, I received letter in mail stating $ XXXX due for an account number I have proof of being in good standing. The account number referenced related to account number to loan that was consolidated and currently in good standing. I called the collection agency and Navient on XX/XX/XXXX, to correct this error but they are claiming that account number is for private loan which I do not recall ever receiving anything for. Not even a wage garnishment threat. XXXX company refered me back to Navient. When Navient told me the name of the collection company handling the file it was not the name of the collection company who sent me the letter that initiated my call " XXXX XXXX XXXX ''. The letter was received last week and Navient advised a different company is handling it as of XX/XX/XXXX, same date of my letter. When I asked if they are the same company XXXX another entity or an affiliate, the representative could not give me the information. You would think that would be in my file?! When asked why this loan was not showing on credit report as default she could not answer. When asked why is one part of my loan with Navient in good standing and the private loan with Navient is not, she stated those are handled by two different departments. When asked why wasnt important information being linked to my social security number for same company servicing both federal and allegedly " private '' loans she didn't know. I would think that is important, especially if I am making the attempt to bring my account current. When asked for website to view this information for private loans taken, she did not have one. With all these red flags, and knowing that XXXX was shut down for fraudulent activity, I am questioning the validity of this " private loan ''
My personal information has been leaked, along with approximately XXXX XXXX other people, by Equifax.