WillisBack/dataset-financial-user-claim huggingface dataset:
Who is XXXX? This company attempted to sue, garnish bank account and is now taking my money. They claim they purchased this debt from XXXX but will not provide proof. I need copy of proof that I owe these people. I need a copy of the transfer of debt from XXXX to XXXX. I am uploading copies of documentation where are companies sent me letters regarding this debt. Why are there so many different companies attempting to collect on the so claim debt purchased from XXXX but refuse to provide proof. They all are in violation of FDRCA and FCRA. Please help to rectify this problem. They also tried to garnish my bank accounts ( see attachment and contact my bank for proof ).
Received a letter that a judgment had been entered against me. Threatened further legal action. And threatened to garnish wagers, bank levy and liens.
It has been a year ; I have been disputing some incorrect information that is incorrectly reported on my credit report. I have requested this information from both the credit bureaus and the creditors, and both have failed to make an attempt to respond to my situation. So I would like to take advantage of this opportunity to file a complaint on my behalf of my credit reporting issues.
I went into Capital One bank to open a checking account. I signed the signature card, provided my ID, made the opening deposit, received a temporary check/debit card on XX/XX/XXXX. Today is XX/XX/XXXX and I still can not get access to my account online. I have spoken in person at the branch and over the phone to XXXX ( XXXX ) different representatives. None of them have been able to help so far and checking back tomorrow seems to be the best option after spending between 30 minutes and an hour with each representative trying to resolve the issue of online access. It never occurred to me that in XX/XX/XXXX online access would be difficult at any bank. If I had not already paid to order checks and deposit slips I would simply close this account and find a more competent bank. Can you help??
This complaint is a follow up to complaint #  XXXX . You have stated that the you have " verified '' the bankruptcy. Please provide the following information  : 1.  The name of the person you spoke to  at the county  clerk.    2.  The date you spoke to this person.   3. Provide a copy of the motion provided to the court to reveal my social security number concerning the bankruptcy.    4.  If you are using  XXXX   XXXX , I have a suppression filed with them.  <P/> If you can not verify with undeniable proof, you must delete this from my bankruptcy.  <P/> Violation of the FCRA and FDCPA in this complaint will result in my filing a lawsuit against your company.
Re : Chapter XXXX Dismissed Bankruptcy Docket # XXXX filed XX/XX/XXXX, 2011 I am disturbed that the credit bureaus continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, these credit bureaus have no right to maintain information which the government has deemed nonexistent. 

I filed this bankruptcy in XXXX County Court in XXXX, NC on XX/XX/XXXX 2011. I have never been to XXXX County. 

Regards, XXXX XXXX
XX/XX/XXXX : NC DOJ # XXXX Financial Fraud Section XXXX XXXX ( XXXX ) case number XXXX OCC Case # XXXX NCCOB # XXXX # XXXX " I have been attempting to address this matter since XXXX, your help in promulgating closure regarding the XXXX escrowed funds that were never forwarded, once sold, to Nationstar Mortgage would be readily appreciated. I maybe contacted by phone, XXXX, or by mail at the NJ address provided until XX/XX/XXXX due to elderly parent 's individual personal matters. I have an upcoming XXXX XXXX County Court hearing scheduled and expedited pertaining to this situation. 


Escrow issue : XX/XX/XXXX - XXXX XXXX XXXX - closing for XXXX XXXX and XXXX XXXX XX/XX/XXXX - Erroneous paperwork - Mortgage sold to XXXXXXXX XXXX XXXX- XXXX sold financial investment to Nationstar Mortgage Escrowed funds never transferred with applicable interest from XXXX. 

The consumer concern regarding the Mortgage transferred from XXXX XXXX is clear. I never received confirmation of Mortgage Servicing Rights once the transfer was completed after the XXXX NCCOB was filed. It is of the utmost importance as I am currently addressing an identity theft case pending in XXXX County. A previous tax filing by accountant unearthed a XXXX document disclosure discrepancy. ''
XXXX   XXXX  keeps harassing me and calling me on my cell phone and on my job calls was made on  XXXX / XXXX /   17  By  XXXX  phone number is  XXXX   XXXX   XXXX   XXXX
I 've been working with Navient Loans for over a year now trying to do forbearance and income-driven payment plan. They have requested I complete an application about four times and mail information to them. I 've followed their instructions and mailed all the requested paperwork to support my request and income verification. As of last week they continue to state they are not receiving the information. Now they are not willing to work with me and I can not afford the payments and this is affecting my credit and they are threatening to garnish my taxes and check.
Please refer to CFPB complaint XXXX. SPS continues to harass me through the USPS and refuses to respond to my debt validation and Qualifies Written Request. I do not owe SPS and SPS has not serviced any loan on my behalf.
My issue is with the late fees charged on the account. I've had automatic payment on this account since day one. The payment is debited from my checking account and applied to the loan. Apparently some months ago one payment was returned and I didn't realize it. I hardly ever log in online to check this account since my payments are done automatically. The day I log in to obtain information about the loan since I was thinking of refinancing it, I noticed that a payment was due and I made my payment. On XX/XX/XXXX I sent an email to Ally asking to see if any fees could be refunded because I saw that an amount of {$490.00} was due in late fees only. I get a response on XX/XX/XXXX and it asks me to call them because due to the nature of my request they need to speak with me by phone. I call them on XX/XX/XXXX and the person who assisted me said he couldn't do anything for me. I replied back to the email online and ask them why had they asked me to call if they were not going to be able to assist, they could have just said that they were not going to assist on their email response. Based on that email, they only refunded {$29.00}. If they check my payment history, they'll see that for the past 4 years I have not had any other late payments and I deserve to be refunded more than that if not all.
About a year and half ago, I took out a Personal Loan in the amount of {$3100.00} from XXXX XXXX, and my payments are {$350.00} a month. In XX/XX/XXXX, I called to discuss the loan and request a pay-off amount at that time over the phone I was quoted {$3100.00}. I asked the representative how that could be possible if I have been paying the loan on time every month for the last year and a half. The representative stated that when they provide personal loans they advise borrowers to pay more than the amount due in order to bring down the principal sooner than disclosed in the Schedule of Payments. At that specific point in time, I didnt have time or energy to research the issue any further as I was in the middle of selling my house, re-locating, and burying my parents. I called XXXX on  X/XX/2017 to obtain a new pay-off quote as now that all is settled, I would like to pay the loan off. When I spoke to Customer Service and requested a pay-off amount, I was quoted an amount of {$3200.00} over the phone. To my surprise, this was more than quote 2 months prior to XX/XX/XXXX, and 2 payments had been made since. I asked the Representative how it is possible that the amount went up instead of down based on the payments made timely, and the Representative stated that I have some type of daily interest accruing on the account. I advised the Representative that I was very upset, and I felt this is abusive and predatory lending. I have been paying on this loan for a year and half, and the amount due now is more than what was originally borrowed. I advised the Representative that I would be filing a complaint formally stating my stance and concerns with regards to this loan. I requested to obtain a copy of all the loan documents in my file as well as a full payment schedule. Its no wonder I do not recall anything about the daily interest or the APR on the loan itself as none of the documents in my file have my signature on them. I fail to understand how XXXX XXXX can hold me liable to terms of a loan that they do not have my signature authorizing the same. I do not deny that I borrowed the money, but I believe XXXX XXXX is taking advantage of consumers who care and pay their loans on time. I would like to review the possibility of having all the payments I made re-adjusted to principal in a manner that is not abusive and predatory in addition to fairness to the consumer. I have attached my loan documents for your review of this Complaint.
AFM Financial of XXXX, NJ., is holding a medical debt I owe. Our agreement is that I apy {$50.00} per month. I normally receive a letter/ statement monthly that reflects payment & balance. 
I have not received a statement for the last two month 's ( XXXX & XXXX 2016 ). When I contacted AFM, they stated if I miss a payment, or am late with a payment, they are no longer required to send a statement, that it is up to me to remember to make payment and it is up to me to keep track of the payments made and updated balances. I was late with my XXXX payment ( I inadverently placed the check in an envelope for another bill ). When I discovered this, I contacted AFM and spoke to an associate, a woman I believe named XXXX. I informed her what happened, that I was mailing the check as soon as we hung up which I did.XXXX thanked me and stated that in looking at my account I was diligent, had not missed a payment previously and would make note on the account of our discussion & actions.XXXX thanked and I thought that was it. I called today ( XXXX/XXXX/2016 ) and spoke to a XXXX.XXXX informed me that he is not required to send a statement any longer once I miss a payment. I have had issues over the past year with not getting statements and answeres varied to it 's going out shortly, to it was mailed ( never stated the mailing date ) I was also informed todat by XXXX his system shows multiple missed payments.That is not true and now wants me to go back and provide bank statements, which I will but it is unfair.If a payment with a creditor is missed you normally would receive a second notice, etc.That has never happened.I should receive a monthly statement, I feel this unfair and abnormal.And I have record them to protect my credit or for tax purposes.I am also on long term XXXX/ social security due to the medical/ health issues that wound up with a balance from a hospital that is the cause of being placed in collections.Under XXXX I have a 50 % reduction in my income.
I lived in this property for two years never late always on time with my rent. Moved out XXXX XXXX, 2015 and they told me i owe {$1900.00} for cleaning and damages in my apartment. The collection agency has called harassing me about this amount making threats numerous of times. I have written letters to both the agency and the original accuser. Not once did they provide me with an itemized list of the cost of these exact charges from cleaning services as requested in writing. They have came up with a made up amount trying to charge me because i did not renew my lease with them. They took my security deposit and that should have been enough for any cleaning charges etc. I do not owe this property any funds and they are making up amounts with no proof of damages cleaning that had to be done but giving me plenty of threats. I have XXXX witness that helped me moved that can vouch for me that this apt was left best cleaned. Prior to leaving i have had many issues with my tub not working lights going out refrig not being fix etc and i once did not complain about the neglect i received here, but then get a bogus charged and spoken to rudely like i did n't full fill a lease or something. I believe because i was young and single mother they were trying to get over on me. Especially with raising my rent every year and not my Neighbors. They will manipulate you into renewing a lease with them any way possible.
Navient continues to have my loan in default status and says I have a past due balance of over {$1500.00}. However, I entered into Rehabiliation with XXXX in XXXX 2015. Payments are current and automatically deducted from my bank account on the XXXX of each month. I have submitted supporting documentation from XXXX to Navient, which I should not have to do if Navient referred XXXX to me, several times and even highlighted the Navient account number on the XXXX documents. It is as if Navient is forcing me to pay the rehabilitation agreement amount AND the monthly payment they calculated, which is not what I was told by XXXX when I entered into the agreement
Equifax continues to report a medical bill of {$100.00} on credit report that has been paid.
Hi I been living out of the country from XX/XX/XXXX-XX/XX/XXXX I have a sever case of Identity theft. I see this company has listed info on my credit file. I do not owe or did I authorize for anything to be put or open on my credit. This is Identity and finical theft. please remove from my credit file.
I was PRE approved for the bank of america XXXX cash rewards card and the XXXX card and they denied me for both. They told me I was never approved for these cards which is simply not true. Bank of America has repeatedly denied me single cards yet they approve someone on reddit for XXXX BoA XXXX credit cards? What a joke.. I should be approved for both of these cards and if not they should remove the inquiries off my credit report. I have had so many issues with this bank and they are absolutely no help. The online chat reps just tell me I have to call and most of the time the numbers they give me are wrong and I have repeated issues from Bank of Amerideals getting my {$75.00} XXXX cashback and I am still waiting on {$100.00} checking account bonus and I have met all requirements. Now they are about to charge me {$12.00} a month for not having a certain balance or XXXX. Im tired of this bank taking advantage of me and nobody is willing to do anything ... They do not care about me as a customer at all. PLEASE HELP
Capital One Bank has claimed that Account ending in XXXX has been charged off {$4000.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. 
Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.
I paid this account back on XX/XX/XXXX @ XXXX. I spoke to a XXXX XXXX who recieved my settlement payment in the amount of {$190.00}. He then told me it would take 3 to 7 business days to recieve a settlement in full email. The issue that I am having is that the status was updated in XX/XX/XXXX with XXXX  with the new information. XXXX still shows the account as open and it is also being updated every month. The last update was on XX/XX/XXXX. I have sent numerous requests to XXXX   and have not recieved any response to my letters regarding this fact. I worked hand in hand with a HUD approved agency to remedy this issue.
I was notified by the credit bureau that XXXX XXXX XXXX XXXX has placed a " Derogatory Notice '' on my credit profile without prior notice. That affected my overall credit rating score. 

I have never been notified by XXXX XXXX XXXX XXXX XXXX about any outstanding debt. As soon as I have learned about it, I called the XXXX XXXX XXXX and I was told that I owe {$130.00} for a medical bill. 

I offered to pay the amount immediately, despite the fact that I have not received any notification or verification that I owe this amount. I asked for the " Derogatory Notice '' to be deleted from my profile. 
Company 's representative refused to do it and hang up the phone on me. 

I ended up speaking with XXXX other representatives who were not helpful as well. 

The amount of {$130.00} that I allegedly owe, I paid on-line the same day of the inquiry. 
I am requesting the " Derogatory Notice '' to be removed from my profile as I have never been notified of any outstanding debt.
Since XXXX XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XXXX XXXX. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status XXXX XXXX : a ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXXXXXX XXXX Acct No. XXXX TRANSUNION : a ) XXXX XXXX Acct No. XXXX Sometimes between XXXX XXXX to XXXX XXXX, XXXX XXXX claimed I had an outstanding debt of {$2500.00} and misrepresented to the major three credit bureau ; in which I disputed. I was not aware nor did XXXX XXXX advised of the outstanding debt! The 60 months term commenced in XXXX XXXX and terms ended in XXXX XXXX. The conducts by the three Credit Bureau and XXXX XXXX XXXX is a clear violations of the FCRA.
XXXX XXXX XXXX reported to my credit report XX/XX/XXXX. After purchasing the debt ( {$1200.00} ) from a collection agency ( XXXX XXXX XXXX ) who was not authorized to report on my credit due to having invalid information. I was never notified to the debt being sold or my right to dispute. I understand I am supposed to have 5 days but I was given none. The original debt was from XXXX in XX/XX/XXXX with the amount of {$540.00} being owed. None of the information XXXX XXXX XXXX is reporting is accurate, along with the fact that I was never notified.
Continued phone calls with refusal to tell me what it is about. They say they sent me letters, but I never received any. I have no idea what creditor or debt they are talking about. They ask if I am XXXX and I say yes, they then ask me to verify personal information ... .my birth date, address, etc. I refuse to give out personal info to a complete stranger who calls me over the phone. I ask them to send me something in writing and they refuse ... ... they say " so your telling me your refusing to comply? I say " how do I know this is not a scam and your just trying to gather my personal info? '' They say " since you are refusing to comply, the phone calls will continue '' and then they hang up on me.
I have opened a money market account with them where they agree to give me XXXX bonus as long as I put XXXX in their account and leave for 90 days. I follow their request and they refuse to give me bonus, claim that I need flyers to have that. 

However, it was a public offer that post online, and I have confirmed with banker for this as well, they keep that offer online even I tried to resolve the problem with them till XX/XX/XXXX. I am frustrated the bank service can't promise what they have to me.
The company was having issues with their system so all payments had to be mailed in and they said that they would not count any payments as late because of their system issues. There is now a late payment on my report and its stopping me from buying a home. This is not fair and is in violation of my rights as a consumer. I did what they said and this is not fair that they did not keep their word.
I was shocked when I reviewed my credit report and found late payment on the dates below : ... XX/XX/2016 ... .I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
on XX/XX/2018 Capital One denied myself, XXXX XXXX XXXX XXXX for a credit limit increase. Previously on XX/XX/2018, and XX/XX/2018, the credit limit was increased. My usage with the card is the same as previous months prior to the credit limit increase approvals in the past, Yet Capital One is stating otherwise. This is a clear violation of the ECOA. FDIC Compliance per fair lending practices section IV 1.1 states " A lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' This is discriminatory and unethical according to fair lending practices.
XXXX XXXX and Roundtwo Recovery are reporting debt on the same account. The account was paid XXXX 2014 to XXXX XXXX. I have supporting documentation to support my claim. I have faxed this information to all credit bureaus including Roundtwo Recovery and each time I am told my information has not been received. I also mailed documentation to XXXX and XXXX via XXXX still with no result. I have done the responsible thing by paying my debt and yet it shows that I still owe on this debt.
Good morning : 1 ) I sent the same letter XX/XX/XXXX, to TransUnion, XXXX and XXXX asking for correction to my credit report that was NEVER accurate to start with. I asked for my THIRTEEN years employment with XXXX XXXX XXXX in XXXX XXXX  to be on my credit report. As per copy enclosed I was employed by the XXXX  from XX/XX/XXXX to XX/XX/XXXX WHEN I RETIRED. 
I also asked for address correction, this was NEVER done either. 
2 ) I received a response from XXXX, telling me : " We are unable to locate a credit file in our database with the identification information you provided ''. So, whose credit score am getting??? 
I received a credit report from TransUnion -which I did NOT asked for- totally erroneous. TransUnion is listing an XXXX XXXX Credit card that does NOT belong to me. They also list a XXXX, XXXX address in XXXX, when I moved out of XXXX in XXXX and NEVER went back. Last but not least, they have me currently employed by the XXXX, when I retired 8 years ago??? 
As for XXXX, they did NOT respond at all. 
I only asked for my free credit report once, in XXXX, and gave up because all three bureaus provided completely erroneous reports. 
So, whose credit score am I getting each year with totally false credit reports? I haven't taken a loan in 30 years, my XXXX   XXXX XXXX XXXX, XXXX and XXXX XXXX have ALWAYS been paid before due : I should have a stellar credit score. 
I'm asking for all 3 bureaus. to please clean up AND complete all 3 credit reports so I may finally receive this year a correct credit report and credit score.
I have asked Capio Partners to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
On my report via XXXX XXXX XXXX whereas I'm an authorized user the remarks says consumer disputes, reinvestigation in process, please remove remark, I did not dispute this account, XXXX XXXX XXXX, open XX/XX/2001, balance XXXX. Please remove remark.