WillisBack/dataset-financial-user-claim huggingface dataset:
The accounting firm of my employer received a Continuing Writ of Garnishment Against Salary or Wages summons from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX FL XXXX, requesting my personal financial information. After researching who XXXX XXXX is, they are an institution that engages in purchasing consumer debts. This company has attempted to harm my credit in the past by placing false statements that I owe them any money. I have requested written and signed documents or any contractual agreement showing any debt to XXXX XXXX and/or XXXX XXXX XXXX - and no response or documents were ever provided with my signature. 

XXXX XXXX and/or XXXX XXXX XXXX appeared on my credit report. I had disputed the false representation of charges and it was removed from all three credit bureaus due to no validity of debt owed to XXXX XXXX and/or XXXX XXXX XXXX. 

Under further investigation, XXXX XXXX and/or XXXX XXXX XXXX had filed a judgement against me in the county court of XXXX XXXX XXXX in XXXX County, Florida on XX/XX/XXXX for the amount of {$7600.00} without my knowledge. 

As of XX/XX/XXXX, XXXX XXXX XXXX contacted a third party accounting firm that represents my employer requesting personal financial information, providing my personal social security number without authorization, in order to garnish my pay, and stating the amount owed is {$8000.00}. I am moving forward stating here that this is considered harassment and abuse, unfair practice, illegal communication, and trying to acquire personal information through a third party.
They denied both of my disputes but had the nerves to credit me for one unauthorized charge from Delta sonic in the amount of {$25.00} ... .and then emailed me to tell me they are going to look further into the investigation and it could take up to 45 days I also have to send them the declaration of fraud form within 10 days ... ...
I started attending XXXX XXXX in XX/XX/2009. I went a year without any problems. Then I went through some life changing problems and had to stop schooling for a short time, about a month or two. When I went to re-enroll they had canceled my program, XXXX XXXX, and could no longer get a associates in that area of study. So I switched programs but they just were not for me. Now I have all this debt, no degree and credits that nobody wants. I'm stuck and very upset about it. No one wants to work with me on figuring out a solution other than asking for the loan payback. 

While attending the college, they were unprofessional and it seemed like they just wanted you to just cruise through the courses. What I mean is it seemed like they just passed you no matter if you learned the studies or not just to get you out of there. I feel like I learned nothing from this college other than how to spend a ton of money while getting absolutely nothing in return. I was trapped.
Received statements showing {$3000.00} in Savings, sent another request to have it closed and money returned to me. Still nothing.
On XX/XX/2018 a collection account was placed on my credit reports ( XXXX and XXXX  ) for a XXXX XXXX c/o Resurgent Captial Services XXXX XXXX XXXX XXXX, SC XXXX for {$6500.00}. I have not received any written notification about this debt to verify it or any written notification of right to dispute this debt. I have sent letters to both credit bureaus and a certified letter to XXXX XXXX c/o Resurgent Capital Services requesting validation of debt. I have not received any response. I have tried contacting XXXX XXXX about this debt directly but they have gone into bankruptcy and are no longer in business. I have attached copies of the letters and information I have collected. I have attached copies of numbers and addresses for XXXX XXXX I have used to contract them via the Texas Secretary of State licensing website.
Received a letter from a company called Midland Credit Management about a very old credit card debt that was voided in court nearly 9 years ago. They are attempting to get a payment from me, but admit in the letter that the statute of limitations has passed on the debt, while not acknowledging that the debt is no longer even valid. My concern at the moment, due to reports from others who have dealt with them, is that they will try to damage my Credit history in an attempt to blackmail me into paying them money.
I have student loans through Navient. I pay the amount due, if not more, every month. I have had a past due balance of {$0.00} in XX/XX/XXXX and XX/XX/XXXX. I then pay my balance for XX/XX/XXXX ( prior to the due date ) and then receive a statement claiming that I missed my last 3 months of payment. When I called to clear up the issue and provided proof of payment for the last 3 months, the rep put me on hold and came back claiming that payments were missed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. First off, Navient states that all payments made are first allocated to past due balances, fees, and interest and finally current balances. So how could payments have been missed? Secondly, I have documentation of every payment made for the life of my loan-and there are no delinquencies. So, I call Navient and several of their reps review my account, and agree that there is no delinquency on my account and said that they are experiencing a computer glitch-yet no one can seem to get my account current, so it goes under review by the " back office ''. Over 2 weeks later, there is still no resolution, and conveniently the " back office " does n't have any phones borrowers are unable to speak with them. I keep getting empty promises of a resolution, but still have yet to receive one. My account is now erroneously showing 85 days delinquent and in 5 days Navient will report this to the credit bureau. I am at my wits end. Please help!
Experian Report # XXXX  XX/XX/2018 Experian does not have all my employment current I have been going threw this month after month with Experian taken off information on my employment. one month all my current employment on my file the next its only 1 showing now.

XXXX XXXX XXXX XXXX XXXX XXXX  Im an XXXX  I have attach copy of my State Lic I have Attach in the past copies as proof and Experian every other month changes or removes my Employment for no reason.

I have copies of my report mail out by Experian as to how they keep removing my Employment
A target credit card I owed on went into collections and started affecting my credit score XX/XX/XXXX. They agreed to accept a partial payment and the debt was taken care of years ago. Unfortunately, I am still being negatively effected by this as the last reporting was XX/XX/XXXX. I have tried to contact target to handle this issue but the service I spoke with claimed they do not have records back that far. I would like this derogatory mark removed from my credit report as it has been paid.
EOS CCA has listed a debt of ~ {$490.00} for " ATT MOBILITY '' on my credit report and refuses to validate my debt and will not remove the record. 

Specifically they say my last payment was on XX/XX/XXXX and is schedule to continue on record until XX/XX/XXXX. It is currently registered with XXXX and XXXX.
I saw the lawsuit against Navient in the news, and wanted to provide you with information on my own account with Navient. On two separate occasions, I 've had to battle with Navient about the proper allocation of my student loan payments, on both occasions, I was ignored until I reached out to the customer advocate and threatened to take it further. ( I believe I still have the emails ). I also was told that I was ineligible for anything other than forbearance when I had lost my job and become unemployed. I tried finding an income based re-payment option, but was told I was only qualified for forbearance. I have tried to keep track of this company and their charges and fees, but the truth is, because the interest is added daily, it 's hard to maintain a balance. I feel like this company is corrupt and you can see from my payment histories that whenever I have made a complaint, all of a sudden a sum of money appears as a credit. I 've tried to make several calls over the years to speak to representatives, but they are incompetent. The only helpful people have been at the advocate office, and even then, I still feel like I 'm being cheated. If this lawsuit allows my record to be checked over and audited, I would be so grateful. I never chose Navient as a lender, I was passed on after XXXX XXXX. I really feel like there is something wrong with this company, and they are certainly not out to help the borrowers. Their practices are confusing, and I feel like I 'm being scammed.
Please accept this statement from my wife on my behalf. She is the one helping me fix this matter. 
My wife : I called XXXX directly today to pay a debt of {$100.00}. XXXX stated that Pinnacle was part of their company and could accept my payment. I made the payment of {$100.00} I have a confirmation number. I called XXXX back to get a receipt or something in writing that it was paid. XXXX stated the account was written off and that they could not give me a receipt. XXXX did confirm they did receive my payment but can not give me a receipt for the payment. I had to call Pinnacle to obtain pay off info. I called Pinnacle and they stated that debt was written off and given to XXXX agency that works with their company. This company does not report to the credit bureau for my husband 's credit. After speaking with the XXXX XXXX XXXX agency the man was rude and not helpful so I hung up. Called XXXX back and explain the dilemma and they still suggested I should call Pinnacle. I called Pinnacle and they mention they could not give me a receipt stating that it was paid off because it was with the XXXX XXXX XXXX group. I mentioned to the lady that Pinnacle is the company reporting to my husband 's credit report not the other company. So I asked to speak with her supervisor at Pinnacle she stated that I needed to talk with the supervisor at XXXX XXXX XXXX group. I stated they do not report to my husband 's credit report. She stated that I would need to talk to XXXX XXXX XXXX group. I told her that I did not want to talk with the other agency because they are not the ones reporting to my husbands credit and if we could not resolve this I was going to file a complaint with CFPB. She proceeded to transfer me to the other company anyways. So I am now filing complaint. All this because I just needed a receipt stating my husband 's debt was paid off.
My former mortgage company was bought out by Green Tree. My statements from Green Tree are now about {$300.00} more a month. I have a fixed rate and nothing else has changed. I went to my financial institutions mortgage specialist and he reviewed my disclosure statement from Green Tree. It looks as though Green Tree raised my PMI and is now charging me {$4000.00} a year ( approximately ) for PMI that I have not had on my mortgage for the last 11 years. I feel this is a dishonest charge from them. Furthermore, the mortgage specialist seemed to think it was not a legal tactic to raise the PMI by that much.
XXXX XXXX of Larry H Miller XXXX illegally discriminated against my attempt to purchase 3 new cars and 3 crate engines by direct deposit into their bank account. 
I offered full sticker price, and offered to let them retain the purchases until payment goes through. 
If Larry H Miller Co. Fails to right this wrong I shall file a lien and I shall pursue a Sheriff 's auction. I shall also bring a lawful Judgement against XXXX XXXX of Larry H Miller XXXX for Breach of Fiduciary Duty, in the maximum amount for which I can find legal precedent.
Chase bank has been charging me ridicioulous fees when I had money in my account but the real reason I 'm filing this complaint is because of bank closing my account and therefore rejecting my federal income taxes. I 'm a single of XXXX who has bills scheduled to withdraw from my account on Monday. My sons birthday party is Sunday and I now have no money to pay for any of that. I 'm being told that it will be an additional 5 weeks to receive a paper check. 5 weeks that I dont have! Because my bank lied to me when I called monay XXXX/XXXX/2017 to verify my account was open and that they can NOT close my account without my permission ( me calling back in to cancel it ). I was told that since I have money in there and pending transactions, my account can not be closed. That my account was not in closing status! Yet now on Friday XXXX/XXXX/2017 I call back to see where my refund money is ( due XXXX/XXXX/2017 ) and they tell me my account was closed and the money was rejected. 
This is fraud, bad consumer practice, and poor customer service. 
Chase feels since they are big bank they can charge and do anything they want and I 'm not standing for it. 
I work hard for my money. To support my children. Provide food, shelter and to pay my bills on time. 
Chase has put undue hardship on myself and my family by lying and doing things without my permission.
In the spring of XX/XX/XXXX, I was informed by the IRS that somebody had stolen my identity and filed my taxes. I followed all policies and protocols with all relevant agencies. I submitted police report, affidavit, SS card, DL, and IRS letter. All 3 major credit bureaus removed fraudulent acct except, EQUIFAX. One account I have disputed with Equifax, for over two years is, XXXX XXXX XXXX. I called around XX/XX/XXXX to inform Equifax, I was not happy with the fact they keep telling me account was verified as mine. I demanded a loan document showing my signature as proof. The man said he would follow up. Fast forward : XX/XX/XXXX I am out shopping with my daughter. My retail CC came up declined. I was shocked. Used another credit card that was declined. I called XXXX XXXX, they explained EQUIFAX had sent a letter 5 days earlier that I was disputing my accounts as fraud. The bank closed my CC immediately. They can not reopen I need to reapply. I called Equifax that evening Spent three hours on hold in the XXXX. Finally, I was sent to Nevada EQUIFAX call center When XXXX pulled up my acct all she said over and over was " oh my XXXX, every one of your accounts on your credit report are being reported as being disputed by you for fraud '' Closed, Open Accounts 20+ years- all being disputed. I had called in reference several weeks ago about XXXX XXXX XXXX. I asked XXXX what EQUIFAX was going to do. She said EQUIFAX would send letter that I no longer dispute accts and remove fraud status immediately. That is fraudulent. Equifax is not to tell my creditors I no longer dispute accts as I never did!! - adverse action has taken place against me. I have closed CC with high balances. I have no credit available with unpaid balances. This is killing my credit score XXXX said it was a glitch in equifax stem. This is unacceptable, irresponsible and down right dangerous. I have been living a nightmare since XX/XX/XXXX.  Calling all my creditors begging them to not close my accts - guess what? XXXX XXXX and XXXX  are now showing/reporting EQUIFAX fraudulent reporting.
I spoke with Kohls/Capital One about my charged off credit card. I came to an agreement with them of 60 % of my full balance which came out to {$350.00}. I asked them if they can provide me something in writing prior to me making the payment. They said " we do n't provide that because people would sometimes get it, then never pay ''. I then asked if they can just fax or email me something stating that they agree to settle the balance for 60 % and report it to the XXXX credit reporting agencies as paid in full for less than full balance. They said they will report it as a XXXX balance to the XXXX credit bureaus and it will be paid in full for less than full balance, but they can not put that in writing until after the payment is received. I then said ok and made the payment. I then asked for it and he said that i needed to wait a couple of days until the funds cleared. I said ok and called back 2 days later. They confirmed receipt of the funds but said the only way i was able to see a XXXX balance was to login to my online account and print the transaction history. I tried that and it said that my account is closed and can not access the transaction and payment history. I called Kohls/Capital One back and they said that I still had a {$230.00} and some change balance!!! I am very upset because they said that I would be able to get the balance paid in full for less than full balance. I spoke to another friend and they are going through the same thing with them. 
I decided to call a lifelong friends son that works in the XXXX and signed a power of attorney with him. He called and let them know what they are doing is against the law. He also ordered them to pull up the tape of the customer service representative and have a manager listen to it. He also requested his conversation with them to be recorded and asked them to have that recording ready for the Consumer Financial Protection Bureau. He then asked me if I was comfortable with coming on here to this site and fling this complaint. I do n't know why these people take advantage of me but this is absolutely hurtful because all i am trying to do is purchase a home and this is what i need to do. Next step is to hire my attorney to take them to court for loss of my earnest funds on my home and for damages. I will be calling them again Monday and if this has not come to a resolution by then I will have no other choice in doing so. 

Thank you for listening
My monthly minimum payment is currently {$25.00}, and I have an automatic payment set up to pay " Minimum Payment Due '' on the due date, which is the XXXX of each month. On XXXX XXXX 2017, I made a payment of {$320.00}. My online account after that day was updated to reflect that the minimum payment due was {$0.00}. Despite this, Home Depot processed an automatic payment for {$25.00} dollars on XX/XX/XXXX. When I reached out to request an explanation, I was told that despite having paid the minimum amount in advance, the automatic payment would still be run and there was nothing that could really be done at this point to stop it. I am fortunate that I have substantial funds in my checking account so that I 've not been charged an overdraft fee, but this is potentially a major issue for any other customer in the same position. I 've not read the fine print of the automatic payment agreement, but I fail to see how any agreement can redefine " You have scheduled an autopayment of Minimum Payment Due on XX/XX/2017 '' to mean " You have scheduled an autopayment of Minimum Payment Required for the Month on XX/XX/2017. ''
I 've been trying to get put into an income based repayment from them for over 6 months. My other loan servicer XXXX has had no problem doing this. But Navient seems to continuously lose my info. I have mailed them my application and pay stubs twice already, but I just received my first notice of delinquency from them. I am more than happy to pay based on income, but it 's like they are just ignoring it. I do n't need a delinquency on my credit report, but every time I call all they do is say they 'll put me on a 3 month deferrment and process my paperwork, then they just wo n't process my paperwork. Meanwhile, while i 'm on deferment the interest just keeps freaking adding up. On a sidenote, it would have been nice I could have been using this for the past 7 XXXX years, but every time i called they would just put me on a deferment and let me be on my way.
On XXXX/XXXX/2015, a collection company named National Credit called my landlord trying to locate me concerning a debt claim. The debt in question is from an old XXXX XXXX account which is currently being disputed. The caller did not announce they where a debt collector and pretended to be a potential employer trying to gain information concerning my address/employment. I am unable to work due XXXX within the last three years. The constant harassment from this company is extremely stressful and totally unnecessary. On a previous occasion, this company told me to sell my belongings in order to pay this debt when I told them I had recently had XXXX and was unable to work.
Coinbase.com has double charged my account and I can not reach anyone from the company. My checking account is sitting in the negative after these fraudulent charges and I cant get any answers. They are blaming XXXX and XXXX is blaming Coinbase. I just want my money back ASAP.
To whom it may concern, XXXX XXXX, 2016 Transunion has false information on my credit report! There 's a inquiry on my credit report from XXXX! Dated XXXX XXXX, 2016. Which was on a Sunday! I never left my home, nor did I not attempt any service from XXXX! I never was a customer of XXXX. I never tried to, n never will try to open Any account with sprint! How on EARTH DID XXXX GET MY INFORMATION WITHOUT MY KNOWLEDGE!? PLEASE REMOVE IT FROM MY CREDIT REPORT! I NEVER APPLIED FOR ANYTHING WITH THEM! 
XXXX XXXX
I pulled my credit report on XXXX/XXXX/XXXX and noticed some collection accounts that I have never heard of before. The collection company in question PORTFOLIO RECOVERY ASSOCIATES claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XXXX/XXXX/XXXX via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.
XXXX Charged me for a month of service that I did n't use. Tried to say that it was in my contract but it was n't, I still have copy of my contract. Told them this, read them my contract and they agreed. Told them to send me correct bill they said they would but did n't and sent to collection.
Due to a house remodel gone awry, I need to transfer money from my HELOC to a balance transfer credit card to free up funds on the HELOC and have some time to pay it down at a lower interest rate.

I contacted Chase for this since I already have two cards with them. I was approved for a large amount. Additionally, I moved available credit from my other two existing Chase credit cards to this new (
Slate ) credit card. They had said I wouldn't be able to directly pay the HELOC, but should be able to pay a checking account I could use to pay the HELOC, or another method. I was approved, I got the card. And then I found out there was, in fact, no way I could use it for any sort of balance transfer, as the only thing it's good for is credit card-to-credit card. I don't carry a balance on any of my credit cards and pay them in full each month, as they could obviously see when they pulled a hard inquiry on my credit. 

So now I have a shorter average for my credit history ( subtracts points from one 's credit score, as it has done to mine already ) and a credit card with a huge limit that I can not use. 

By the way, this is not the first time Chase has pulled something like this to me to reach their sales numbers, and I'm happy to report that one too ( whose implications are far greater, and life-threatening to my family as they said we had to move into our unsafe house in order to fund the HELOC, but assuring us we'd been approved for it. Then they denied it based on the house 's unsafe condition -- by the time we were living there. )