WillisBack/dataset-financial-user-claim huggingface dataset:
Apologies for the lack of information provided in my earlier complaint. On XX/XX/XXXX, my employer received a notice to garnish my wages from Mendelson Law Firm. Prior to this notice, I had never heard from this law firm, despite the fact that they somehow had my correct phone number on the papers that were served. 
The debt in question was from a XXXX credit card that I opened XXXX years ago. Frankly, I had forgotten about that card and assumed that the statute of limitations had run out on it. The amount listed was {$1700.00}, though my original credit limit was only {$1300.00}. 
I called Mendelson Law Firm to ask what I could do about it. They told me they would stop the garnishment if I paid {$2000.00} up front, then agreed to make payments on the rest of the {$4000.00} balance. When I asked what contact attempts had been made to me, XXXX ( legal assistant ) told me that they did not have to contact me regarding the revival of a judgment ( apparently there had been a judgment in XXXX as well, but I was never made aware of this that I can recall ). When I asked what contact attempts had been made to collect the debt PRIOR to the revival of the judgment, she did not answer my question and forwarded me to her supervisors voicemail. 
Mendelson Law Firm has purchased this nearly-two-decade-old account to extort money from me. A garnishment to my wages would significantly affect me and my XXXX children, as I am the primary wage earner. They have told me that I have to pay MORE than my original debt in order to keep this garnishment from occurring - for a debt that they have never contacted me about. I am deeply concerned about the legitimacy of their business, for myself and other consumers that they are preying on.
Not only have XXXX breach affected me but I also lost my wallet. I have disputed these allegations of accounts before all to no prevail. The credit agencies only position was responding by saying verified. Verified without providing me the physical documentation inwhich I'm entitled to. But still and all they are not mines. I'm requesting that the following accounts be blocked from my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX. {$56.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX .. {$52.00} 7 ) XXXX 8 ) XXXX.. {$52.00}
Regions Mortgage is reported wage earner on credit report. The loan is being paid outside of the chapter XXXX.
Money has been sent by Western Union to private party in XXXX. I received information that money can be received in XXXX XXXX WU reps. XXXX women walk for XXXX miles to get it but in XXXX reps told her that is WU system doesnt work. She has to walk back by rough road w/o pavement.
I disputed inaccuracies with a XXXX concerning my student loans. I consolidated my accounts and the consolidation caused the accounts to be paid in full and closed. I did this to clear up my credit report so that I can purchase a home. My on time payments are missing for a whole year and my missed payments are showing up with which is throwing off the ration, so I consolidated. Every other credit bureau removed the accounts from my credit report and reflect the current consolidated student loans except for XXXX and I would like them to follow suit and delete the inaccurately reported accounts and payment history. The XXXX representative told me that consolidation would resolve this so now I am asking that my XXXX be updated to reflect the changes as well.
Hi, I'm going through a massive hardship right now with my health, and I have been trying to settle my debt owed to Navient. I have raised {$10000.00} by selling items and cashing out my 401K and have offered this to Navient as a settlement payoff and they refuse to accept it as a payoff. It's only {$600.00} off of what I owe. 

My health is not good and the stress is causing me further health issues. I had two co-signers with this loan originally and to date one is dead and the other is XXXX, so I'm it. 

Navient remains very hostile and sets roadblocks in the way of paying off this debt. They keep claiming I have two co-signers that they will go after when I don't have any. Again, one is dead, and the other is XXXX XXXX with no assets. 

I have never been late on a payment before and was always on time. Navient is simply one of the worst predatory companies I have ever dealt with. 

Any assistance the CFPB could provide with resolving this matter will be most helpful.
I had initially applied for a student loan to help with furthering my education. Life got in the way and I was unable to keep up with my obligations. 
In XXXX of this year I was finally in a position to resolve the debt so I contacted Monterey Finanical Services and spoke with XXXX XXXX. After a lengthy discussion with the account representative I was told that if the debt was paid they would then have the negative information removed from my credit file. I requested removal agreement in writing and I did receive an email from XXXX XXXX which I have included. The debt was paid yet the information is still reporting.
Chase bank is re-aging their private loan charge off accounts on my XXXX credit report. The actual date of the XXXX delinquency on both Chase private loan accounts was XXXX XXXX. They are reporting that the XXXX delinquency date was XXXX XXXX in order to keep reporting their negative accounts on my XXXX.
On XX/XX/18 and XX/XX/18, I was out of town and tried using non M & T Bank ATMs to withdraw money from my checking account. Unfortunately I was unable to access cash since my ATM privileges were blocked by M & T Bank. 

On XX/XX/18, I spoke to an M & T Bank representative regarding my inability to access cash using my ATM card while out of town. I was informed that I had to put in a travel notice prior to leaving town. After I spoke to the representative, I was able to withdraw money from the non M & T Bank ATM. 

On XX/XX/18, when I logged into my checking account online, I was surprised to see that I was hit with 5 different inquiry fees. In using the other bank 's ATM, I only agreed to pay the non M & T Bank ATM fee. I did not expect to be charged for 5 different inquiry fees and was not prompted by the ATM to accept any of these inquiry fees. I called an M & T representative to challenge these fees and the representative was only willing to reverse 3 of the 5 inquiry fees. 

I find it very unfair that no only was I blocked from accessing my account from another bank 's ATM, but that in my attempts to access cash, I was also hit with inquiry fees multiple times and in each case was not informed that I would be charged an inquiry fee. All XXXX inquiry fees should be reversed, not just 3 of them.
SPREADSHEET OF STATEMENTS I CREATED OFF THE XXXX XXXX STATEMENT THROUGH XXXX XXXX STATEMENTS RECEIVED MONTHLY FROM XXXX. AFTER PAYMENTS WERE APPLIED. AFTER XXXX XXXX PAYMENT. ALL 4 LOANS TO CHANGE TO XXXX XXXX XXXX 24 MONTHS ) PAYOFF DATE XXXX XXXX. 
ATTACHED SPREADSHEET AND AMORTIZATION SPREADSHEETS. BASED ON 24 MONTH PAYOFF PLAN ON ALL 4 STUDENT LOANS.
I had a girlfriend for 6 months, I moved back home, out of state and the primary card holder, order credit cards and also requested authorized user cards in my name. I have never seen or used the cards and had no knowledge of the cards being ordered. This was done in a attempt to get me, to come back, from out of state. She used both credit cards. And she became late, on her payments. I spoke with her and she had settled the debt and paid them off. The XXXX card account number XXXX and a XXXX card number XXXX, was opened s well, with me as a authorized user. As a authorized user, I was never responsible for any debt, charged to these accounts. I have never enter into a signed or verbal card holder agreement as a responsible party. In addition I have never spoke with anyone for either of the creditors, with regards to receiving cards. These cards were issued by the creditors, without my permission and to date they have my personal information, without my consent and are reporting negative items, on my credit report illegally, as I have never entered into a agreement with either party..In addition, to that fact, when the primary card holder, became late on the payments, I never received any notice of me, being a authorized user or that the payments were late and/or past due. This is do to the fact, that the creditor, had no phone number or mailing address, because I never had any contact with them. 
The credit bureau has report these items on my credit report with a having any documentation or signed agreements, by all parties in hand as required by law. In addition, Equifax has reported items om my credit report, without verifying that the debt was actually my debt and placed the items on my report, from the creditor, on face value, because both parties a gaining enrichment from the negative items on my report. The credit bureaus is being paid to report the negative items and the creditor are party of a system, where each member ( s ) of the banking/credit system. Gain higher interest off of the negative items, place by their counter part, by charging higher interest. This is a conspiracy between the bank/creditor and the credit reporting bureaus.If there is no resolve with this matter, it is my intent to take this matter, to federal court and criminal court, to the fullest, extent of the law. Including damages.
As a homeless Veteran who has been trying to make amends to be able to purchase a manufactured home. This company XXXX ( Bought out by Resurgent ) has REFUSED every attempt to get this account REMOVED from my credit report. XXXX/RESURGENT RE-AGED this account in XXXX and shows this account is OPEN with a current date of XXXX, which is contrary to actual documents. 
ALL three bureaus HAVE REFUSED EVERY ATTEMPT to have this account removed from my credit report. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX
My identity was stolen and her name and personal information was added to my credit report. I have sent certified letters with my drivers license, social security card, police report, notarized letters proving the information was wrong and Experian still has not taken her information off of my report and the credit inquiries made by her applying for credit cards. 

Take off XXXX XXXX XXXX and any name associated with XXXX ( XXXX, XXXX, XXXX, XXXX ) Any inquiries from XX/XX/2016 XX/XX/2016
On XX/XX/2017 - XX/XX/2017 I contacted and disputed with Equifax credit bureau sending them certified and notarized letters. Asking them to verify how this accounts belongs to me, and why are they reporting this inaccurate accounts on my credit report. They have yet to send me any information verifying the account.
Property was sold on XXXX XXXX, 2015. Mortgage servicing company ( Roundpoint ) received full payoff amount on XXXX XXXX, 2015. As of XXXX XXXX, 2015 I have not received the {$2700.00} in escrow funds that should have been released immediately when the mortgage was paid in full.
Amerassist reported over {$1500.00} to my credit report for a debt I do not owe. I have spoken with MULTIPLE representatives to advise that the account they are speaking about is not mine and I have spoken to the company XXXX XXXX and have a letter proving this. Along with a signed General Release form. Yet, I still continue to get harsh aggressive letters and phone calls and now the debt is wrongfully on my credit report hindering me from purchases and many other things at this time. 

Will supply copy of the release form if this goes to court for defamation due to the impact on my credit and financial health.
Portfolio Recovery Associates doubled the charge off balance from a charged off XXXX XXXX XXXX. I have attached a copy of what it shows on my credit bureau reports. Also, they have called my parents ( I am XXXX and they are not authorized in any way to discuss nor use this account ) and numerous times, threatening to have me arrested if they do not pay or they want to serve legal papers but they can be stopped if someone pays. I also have about 18 calls from PRA from the last two weeks indicating they are some bogus litigation dept.
I have account being reported from XXXX XXXX XXXX ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years. the date of 1st delinquency was XX/XX/2010 according to Transunion & XXXX  XXXX has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default
Along with this, they have sent various letters after making online payments stating that the bank has denied the payment and returned it. I check my bank account various times during the day and not once has it showed a return payment or any type of nsf fee charges due to such. I talked to Midland credit about this and the response was that the letter is automatically generated due to not having recurring payments set up in order to pay the account.They have also stated that if not paid they would take it to court, I have tried to settle the debt, I agreed to go online by the end of month and pay XXXX each month.
Bank of America, has not dealt with our loan modifications in good faith. In the past, they claimed the investor never approved the loan modifications. On XX/XX/XXXX, Bank ofAmerica responded to our complaint, and they claimed I filed for Bankruptcy ( BK ) protection in XX/XX/XXXX. I did not file for BK protection in XX/XX/XXXX. Furthermore, my attorney has researched the federal records & my name does not appear in the federal BK database for this period. In the same letter, they claimed to have granted a loan modification on XX/XX/XXXX, which was not accepted by me. It would have been impossible to accept their offer since we never received their letter with their favorable decision. 
I would have accepted their proposed modification immediately upon delivery. I have invested time and capital to secure a modification, it is not logical to for us to not respond to a favorable offer. At this moment, I request Bank of America to reinstate their offer and mail the notification via certified mail. The foreclosure of our home would have a devastating impact on our extended family. Please treat us fairly and negotiate in good faith.
Best Buy delivered a crushed dishwasher to my residence and refused to take it back. Once I realized that the dishwasher was destroyed, I stopped uncrating it and called the store. They said that they would not come back and get their scrap metal that they delivered and told me that returning the item was my responsibility. I asked how I was supposed to do this considering it took multiple people to unload the, and the item, packing and crate are very heavy. I was told it was n't their concern. I took pictures of the crushed appliance, and I tried to get someone to help me return the item. I had no vehicle that could return such a large crate. I eventually found a neighbor who agreed to rent me his vehicle to return the item and it took XXXX males to lift the crate into the minivan, but when I got to the store they said I could not return the defective product because it was not returned to them within 15 days. This is ridiculous because it was scrap that was delivered and not the product I had agreed to buy. I have extensive photographic evidence to verify this. I was told that Best Buy could have their XXXX XXXX refurbish the dishwasher-their words, or I would have to take store credit. I told them that was n't an acceptable option after the hell they put me through to get their junk back to them. They have threatened me with legal action, telephone calls well after being asked to stop, and despite a credit dispute, never incestigating the incident.
I have been on the IBR program for about 5 years. In the beginning I was recieving my paperwork to recertify.,, Then it stopped. I was getting letters to recertify online. I do not do anything online at all and I never signed anything requiring me to do so. When I called AES, I was told that the government does not allow them to send the paperwork automatically anymore. I asked that my paperwork be sent out. Never received, had to call back. This was last year. I advised them to send my paperwork on time and I do not do anything online. They put me into forebearance and added {$7200.00} in interest to my principal balance. They did the same nonsense again this year only they billed me for the interest before the paperwork was even due. Once again I had to call back again to get the paperwork which took 18 days to receive. They are intentionally delaying the processing of my recertification so that they can bill the interest. I am going to dispute the loans and I dont believe these actions to be legal. It is my right to not have to be forced to put my information online at all. Also the school certified me for a degree that I can not even use. I will not pay anything for these student loans and I want them discharged immediately. I will not be a victim to crooked loan collection practices and anyone who is handling these matters should actually do something about it. Tired of a government that pretends to work for their people and glad we have a real President now so fix it. Im sure im not the only one complaining about this
I have sent several letters to Equifax, XXXX, and XXXX  to clean up the inaccurate names and addresses on my credit reports more than twice and they still not have been deleted. I also requested that a two inquiries that I did not make be removed as well and they were not. I am escalating to CFPB in order to rectify the situation and have the inaccurate information from my credit reports deleted. 

Inaccurate Name ( s ) : XXXX XXXX Equifax Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX   Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, GA XXXX XXXX Unauthorized Inquiries : XXXX XXXX - XX/XX/2018 XXXX Unauthorized Inquiries : XXXX XXXX - XX/XX/2018
I recently pulled my credit report and discovered Commonwealth Financial Systems has furnished some items that were unverified information.I believe under the Fair Debt Collections Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from my medical doctor c but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it.
Chase Bank account closed, charged off and/or settled, negotiated through XXXX XXXX XXXX ( XX/XX/XXXX thru XX/XX/XXXX ).
departmentReceived phone call from representative with Monterey Financial on XX/XX/XXXX. The rep was very rude, threatening, demeaning, said I would be sued for payment, very loud, and insensitive. My daughter and grandson heard him. I did not get his name a he stated it very rapidly and did not clarify again. My husband wanted the tub before he passed in XX/XX/XXXX. His passing was unexpected due to XXXX. I suffer from XXXX and had taken care of him for years on XXXX. I order the tub anyway. At the time I ordered, I called the several times within the grace period stating that I did not want it because it was too noisy, dissatisfaction, and not according to my expectations. Presented information to operator on XX/XX/XXXX. She sent call to another department. No response. Called again and XXXX sent call to customer liaison, no response.. Spoke with XXXX customer liaision, with no success in canceling the order. Asked for supervisor and was directed to XXXX. No resolution. XXXX and XXXX stated someone would come out and check the noise and non-working air jets. I followed steps to get tub returned but was referred without any action taken. I was receiving XXXX dollars per month from my spouse to help with monthly bills. That money ceased after his death. I had unsurmountable debt from his hospital bills, other household debt, car payment, mortgage, utilities, credit card debt, that all fell behind. I tried to work out with this company and fell behind with payments. XXXX on a XXXX caused me to go XXXX in XX/XX/XXXX. I became so XXXX that I did not want to handle my bills that had fallen behind. I was grieving from my husband 's death and representatives from this company were always rude. I am trying to rectify my credit situation which will take time with my income as only source. I did not appreciate how the rep spoke to me. I am XXXX years old. I have nothing of substance that I could sell and get money to pay. I had set up payments and did not know they had returned. I did not check bank accounts. Too XXXX knowing that I owe debt and can not manage to get it paid. Started working a job at XXXX so that I can try to manage and get debt paid off. I tried to file bankruptcy but it would not leave me enough to buy XXXX that I must take daily to keep XXXX. Contacted a debt repair agency but discovered their fees and % would cost me more that I was paying. No one should speak to me in the manner this man did. His scare tactics did not work. I owe and want to pay but will not allow anyone to harass me. Whatever resolution can be made is appreciative.
On XX/XX/2018, two fraudulent charges were made on my JP Morgan Chase Reserve Card, through XXXX XXXX, each one for {$400.00} USD totaling {$810.00}. Chase refused to acknowledge these charges as fraudulent. I've since filed complaints with the XXXX XXXX XXXX, XXXX XXXX   of the State of New York, CFPB, XXXX XXXX Police, XXXX XXXX XXXX XXXX in the XXXX, NJ Department of Justice, Local Police in XXXX, NJ ( where I lived at the time ), XXXX, The US XXXX in the XXXX, XXXX Internet Crime, and The XXXX XXXX  of XXXX, and my local XXXX. 

I have investigated this case with the assistance of some of the aforementioned entities for the past 4 months since JP Morgan Chase refused to do so. Chase, by law, is required to cover everything over {$50.00} for a fraudulent transaction. Before I file a lawsuit in small claims court, I would like to give JP Morgan Chase the opportunity to obey the law and give me back my stolen money. 

Incidentally, at approximately the same time, my XXXX account and Chase Private Client Checking account were also hacked, along with two of my emails and other accounts. Both XXXX and Chase recognized these as fraudulent transactions and put the stolen money back in my accounts, yet Chase refuses to acknowledge the two credit card transactions as fraudulent?
This Creditor is contacting my job numerous times when I have told them to contact the number on my account for payment information.