WillisBack/dataset-financial-user-claim huggingface dataset:
My student loan XXXX XXXX ) were sold and/or transferred to XXXX on a date unknown to me. Pursuant to XXXX XXXX XXXX XXXX ( F ) ( iii XXXX XXXX was in fact a debt collector. I placed a complaint with the CFPB [ XXXX ] for the companies abusive practices in addition to failing to validate the alleged debt owed. I recently received a Dunning Letter from Windham Professionals dated XXXX/XXXX/2015. XXXX and Windham Professionals are making multiple enforcement claims on the same [ XXXX ] ote. Possession requirement in XXXX XXXX [ of the XXXX XXXX is to protect the Debtor from multiple enforcement claims to the same [ XXXX ] ote. Upon information and belief, XXXX and Windham Professionals lack Judicial standing, having no economic or beneficial interest in the [ XXXX ] ote, and no complete dominion over it, including entitlement to enforce the [ XXXX ] ote pursuant to the XXXX XXXX and UCC XXXX. In addition I have never applied for, neither received any services or credit from Windham Professionals. I also have no account and/or signed contract with Windham Professionals, nor do I wish to contract with Windham Professionals. Windham Professionals has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent XXXX XXXX ) and or Representative XXXX XXXX ) are frivolous. I have a lawful right to receive any information in regards to the promissory note and or other admissible evidence of the alleged debt. '' XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX XXXX 1947 ).
Hello! I am a " graduate '' of XXXX ( XXXX location ). I graduated in XX/XX/2010. The school was XXXX of the worst experiences of my life. It started on my first day, during orientation, found a forged signature on a document that I 'd never seen. I had my life threatened multiple times, teaches threatening to not let me graduate due to a little facial hair stubble, among many other things .... its hard to explain how terrible this place was. Lies everywhere about post-school work, pay, and life. The school is now gone, closed, and was a pointless +- {$32000.00}. I graduated with a little piece of paper and a huge debt. XXXX colleges has gone away, and so has any credibility of me going to XXXX. I 've paid all but about {$5000.00} of my school loans. There have been multiple reports on loan forgiveness and loan reimbursement. The non-federal loans are paid off due to the 18+ % interest. The {$5000.00} left is for the federal loans. I 've never missed a payment, and have tried VERY hard to make ends meet with this debt. The private loan company is Genesis Lending and they told me to contact you. Their loan amount was around {$13000.00}. I need some help here, XXXX Colleges fraud has null and voided any meaning of me going to XXXX. The school/my " training '' is just a big joke to employers now. Thanks for reading this.
XXXX XXXX  XXXX XXXX maybe linked to XXXX XXXX XXXX, however, this supposed company is possibly an extortion scheme posing as a collection agency claiming to be working with Discover Inc. credit card company. XXXX XXXX  XXXX XXXX ( or XXXX XXXX   XXXX ) has attempted to steal or have stolen large sums of money from my bank account. Sensitive user information has been compromised. According to their online reviews, apparently there's been countless victims prone to this attack from XXXX XXXX  XXXX. I have not received any legal documentations from either Discover Incorporate Credit Card Company nor XXXX XXXX  XXXX. The incident occurred XX/XX/2018 ; amount in question is {$1500.00}. The collection agency request that I provide a personal budget information in order to have bank account unfrozen ( ransomware attack ).
Portfolio Recovery is trying to collect on an account that does not exist. I am no longer responsible for an account with XXXX XXXX.
We are issuing this complaint about Freedom Mortgage, loan XXXX. After job loss of seven months, we had to move out of state to find employment. Upon the move, we could not pay for two residences so began loan mitigation process with Freedom. It was five months before we could list the house for sale because of Freedom 's delay on the mitigation process. It has been two months since an offer was made on the house, but we can't close due to delay on part of Freedom Mortgage.

We have obtained and provided each document requested by Freedom ; some, multiple times. As of today, documents are still under review by Freedom and the HUD appraisal has expired. We were told over 10 days ago that Freedom sent a variance to HUD for extension of the appraisal - this needs to be approved before the house sale can be approved. The appraisal would not have expired had Freedom given this timely service.

The buyers ' closing date was three weeks ago and they are ready to walk away because Freedom has no date in sight for approval of the sale. We are hearing from the real estate agents that the buyers plan to pull out of the sale because of the delay. Our realtor will not list the house again, considering it " unsellable '' due to working with Freedom Mortgage.

We have record of 20+ calls and emails to Freedom Mortgage, with agent name/number and supervisor name/extension. I can provide this information to you. We receive incomplete and incorrect information, and no follow-through from assigned agents or supervisor.

We understand the negative marks on our credit are due to not paying on the loan ; however, we believe the past few months ' negativity should not have occurred. We have done everything required/requested in a timely manner but are being penalized by Freedom 's lack of attention.

Thank you for your review of our situation.
I was shocked when i review my credit and notice the late payments in one of my capital one credit card in XXXX and XXXX account number XXXX, i believe i have made my payments to you on time, the only thing could happen is the statement did not get on time to me.
I do not recognize this account it is not mine and needs to be removed as my identity has been stolen and this is a result of identity theft I have included a copy of my police report and a copy of an identity theft affidavit.
On XXXX XXXX2017, I sent out certified to all 3 credit bureas including multiple CA. I 've been trying to resolve multiple negative account statuses on my credit report. The credit bureas ( XXXX and Experian ) have failed to properly verify these accounts after 2 months. Due to poor investigation or lack there of, communication and a number of other things. Im requesting that all negative accounts that were n't lawfully investigated be removed. XXXX  has been very successful and very helpful in removing the same EXACT accounts that XXXX and Experian failed to properly investigate. These medical bills are negatively effecting my credit score, reputation and credit worthiness. The medical accounts in question have balances of {$570.00}, {$570.00}, {$470.00} and {$320.00}.
On XXXX/XXXX/XXXX I received a letter from Frost-Arnett Company at XXXX XXXX XXXX, XXXX, TN XXXX saying that I owed a debt that I do n't believe I owed. I sent them a letter, certified with return receipt requested that asked for validation of the debt and also in the letter they were told to cease and desist all contact. According to the return receipt and the tracking info on aimed by the XXXX, they received the letter on XXXX/XXXX/XXXX and was signed by someone in their office. They continued to call. They called on XXXX/XXXX/XXXX and continued to harass me from a Kentucky number at XXXX : XXXX. ON XXXX/XXXX/XXXX I received a letter from same company. In a false attempt to verify, not validate, the debt they had access to important personal medical records with procedures and procedure codes on it that I thought was a hippa violation. I do n't feel comfortable with them having access to my medical records.
Eq uifax Inc. 's systems were struck by a cyberattack that affected approximately 143 million U.S. customers of the credit reporting agency. Names, Social Security numbers, birth dates, addresses, driver 's license numbers, and credit card numbers were accessed from XX/XX/XXXX through XX/XX/XXXX. My personal information was included in the leak, and I was not informed by Equifax. Even though they have all of my information, no notification was received via mail, email, or phone. I was notified through a third party ( XXXX XXXX ) of the leak and am in the process of taking steps to prevent possible damage to my credit/tax information including putting a 90 fraud alert on my credit reports, updating my personal and account information through my identity protection service, and filing this report. Further Action will be taken if fraud or identity th
eft results due to this leak.
These items appear on my credit report. Theses items were discharged in my bankruptcy years ago. These companies insist on trying to keep their information on my report. They are being spiteful.     ALL ITEMS WERE DISCHARGED IN Chapter  XXXX  Bankruptcy : INVESTMENT RETRIEVERS IN ( old car loa n ) IQ DATA INTERNATIONAL IN (  Illegal collection. We had military orders to move but they still sent us to collections and harassed us non-stop, called us liars even though we were stationed  XXXX  miles away )  XXXX   XXXX   XXXX   ( medical bill )  I filed for bankruptcy due to post divorce debt that I could not handle on my own. I did this to restart my financial situation and these collections agency are too vengeful and spiteful to take their garbage off my reports. I do n't care if these do not affect my score, they still show as  XXXX  OPEN collections when they are NOT OPEN and have/show a balance of {$0.00}.     Disputes through the credit agencies have done nothing.
A medical procedure was performed while I was under workman 's compensation insurance in XXXX XXXX. There was a billing error and the insurance company never received or paid the bill for XXXX ( XXXX XXXX XXXX ). I was overwhelmed with the circumstances and unemployed by the time I received the bill. I did not pay the bill and the bill went to a collection agency ( XXXX ). Eventually that debt was picked up by Pressler & Pressler of XXXX, NJ. Pressler and Pressler 's attorney, XXXX XXXX XXXX, filed a Notice of Motion Turnover and seized assets from my bank account in the amount of {$1600.00} in XXXX XXXX. This was done through a Civil Action of XXXX XXXX XXXX vs. me. The original judgement was for {$4.00}, XXXX plus costs. I was unable to pay this bill or hire an attorney. In XXXX, when I found work again, Pressler & Pressler went back to court and filed a Wage Execution and continued to take money to cover the bill as well the fees they continued to create. Pressler and Pressler refused to communicate via email and always talked on a recorded line. Pressler and Pressler took over {$4000.00} of my money. I have recently called XXXX ( the company holding the debt ) they informed me that my balance is still unpaid. 

Eventually when I secured employment again and got my life back in order I called XXXX XXXX XXXX and they informed me they would have worked with me on the bill. That amount is what they charge insurance companies and rarely get the total amount so they also would have settled for less from me. XXXX XXXX XXXX is using a new computer system for billing and they are unable to produce the original bill for me. 

In the summer of XXXX, I found out that I was covered by workmans compensation insurance during the time of this procedure. The workmans compensation insurance company was willing to reimburse me what I paid out of pocket to Pressler and Pressler, but they needed to see the original bill. I have contacted Pressler and Pressler as well as the XXXX company and neither will provide the original bill for which they took my money. I am at a loss and feel extremely taken advantage of by Pressler and Pressler.
US Bank is telling me a charge to my acct. was n't an unauthorized transactions because I used the acct. before to pay these people Which is true but I did n't authorized them to take out a payment form US Bank on XX/XX/2016 and they refuse to accept the dispute and keeps adding more fee 's to my acct. I have complained about this now for over XXXX days for this unauthorized charge from XXXX for {$91.00} on XX/XX/2016. I sent in proof showing this was paid on the XXXX from my other bank as I planned to do If I would have saw this {$91.00} had posted before I transferred {$1500.00} I never would have put that money into the acct. and I refuse to put the balance due for the {$1800.00} after the {$1500.00} dep. that would have been eating up by this {$91.00} charge because I was n't going to pay this unauthorized charge now they are saying my acct. will be closed by the XXXX for these outrages charges and not doing their job to respect that the charge was " UNAUTHORIZED '' I have been charged ( {$190.00} ) in FEE 'S after charge of {$91.00} I Did Authorized charge for {$1800.00} ONLY! nothing else! ... I was n't going to pay all these fees just would eat that money up and Keep Doing What It Is Doing NOW! Overdraft, Extended Fee 's etc ... If I would have saw this I would n't have put that {$1500.00} into bank I REFUSED TO PUT ANY MORE MONEY IN MY ACCOUNT UNTIL THIS IS CLEARED UP AS YOU SEE ITS BEEN XXXX DAYS & STILL NOTHING HAS BEEN DONE US BANK BUT TO PUT MORE & MORE FEE 'S THEN TO CLOSE MY ACCOUNT WITH ALMOST {$200.00} IN JUST FEE 'S EMPLOYEES ARE N'T DOING THEIR JOB TO BUSY TELLING ME WHAT THEY THINK IT SHOULD BE OR WHAT HAPPEN! I 'm making complaints to BBB, FEDERAL RESERVE, cfpb, TOP CLASS ACTION LAWSUIT INVESTIGATION - Into 'Extended Overdraft Fee ' or 'Continuous Overdraft Fee ' Overdrawn Balance Charge,
Someone has applied for " XXXX '' using my information and I did not allow this to happen. When i saw this unauthorized inquiry on my credit report, I contacted the credit bureau TRANSUNION to dispute and remove the inquiry. I was told my a representative that the inquiry has been placed under dispute. I have been waiting months and I have not received any news on the inquiry. 


The inquiry was made on XXXX XXXX,2017 from XXXX
I purchased a XXXX XXXX XXXX in XXXX of last year ( XXXX ) due to my other car being totaled in water damage. At the time I was able to manage the payment but as time progressed on my funds became limited and I could not afford that high of a car payment and still take care of my family. I eventually started making payments, not full payments. But payments to the point it would look like I was trying to work the balance down. A few months later I decided to try and get out of the car because it was to high of a payment for the size car and had and I was not satisfied with it. Did n't feel comfortable paying for a car that was n't suiting me and my family. 
I contact Chrysler Capital and told them I wanted to do a voluntary repossession because I was unable to maintain the car payments at that time. This was in XX/XX/XXXX. They at that point decided to tell me they could put my current balance due on the end of my loan to help me get caught up and be current on the loan. But I declined, cause the problem would still be there. So we processed the voluntarily repossession. I was told that they would sell the vehicle by XX/XX/XXXX and I would be responsible for the remaining balance. Which I okayed because I figured the care would be sold for the most of what was owed since it was still new and had very little miles on it. 
What I was not told was that if I failed to pay the difference it would still accumulate late fees, more payments, and affect my credit. When I surrendered the vehicle, I new that I had a balance left that was roughly {$800.00}. Which was about a payment and XXXX behind. I was not under the impression that they would report negative information to the credit bureaus like I still own the vehicle and was just refusing to pay. My monthly payments for this loan was {$470.00}. When they sold the car in XXXX the balance left was {$8600.00}. Ever since then they have been reporting negative information to my credit report such as a refusal to pay and accumulate monthly charges as if I own this vehicle. They have not called or sent any communication through the mail to me to try and settle this debt to a point where we both are satisfied. If a settlement offer does come around, I will not agree to no more than what debt I left unpaid when the car was picked up.
First Citizens Bank is reporting an account in my credit that is past the age for reporting. Not only that but this debt was not due to any fault of mine. My bank card was stolen in 2008 which is when this occurred. I went to the bank to tell them. The manager told me to fill out a police report. I did so. I was then told not to worry about it because they would take care of it. Well that never happened.
Recently, I go to buy a home. This is on my credit. I write to them and they send me an affidavit to fill out. I do so and then ask them to get this off my file because it is too old to report and nothing.
I sent the affidavit certified signature receipt because I wanted to ensure they got it. I have allowed 2 months for them to respond, remove it or something. The account is still being listed even after filling out the affidavit. The police no longer have the report because their records do not go back that far. First Citizens have also been notified it is past the age to legally report this debt. Yet somehow, it is still listed. 
They are violating laws established for reporting on someone 's credit report. I want this removed today.
MIDWEST VIOLATED MANY CONSUMER PROTECTION LAWS INCLUDING SOL.EXPIRED AND FAIL TO ADDRESS LAWSUIT.
Identity theft in XX/XX/XXXX/XX/XX/XXXX when I was XXXX produced an account which a debt collector is attempting to obtain a judgement on in court
I spoke with a representative at Experian after a dispute of the incorrect information was made, then not changed, and to date I have not receive a response after the call was made. XXXX XXXX is reporting that a total of XXXX was written off, but in fact my insurance company paid them XXXX because the car was totaled. I have sent in the documentation, but they refuse to change it due to the fact XXXX XXXX is reporting it this way. I had a short sale in XXXX/XXXX/2012, and Experian is reporting it as a foreclosure. I have disputed this item also. I have a great deal of student loans, that I have disputed also, but are still being reported incorrectly. I have been denied a mortgage due to inaccurate reporting on my credit reporting from all of the reporting agencies, but because I spoke directly with Experian, they are at the forefront.
I opened my account during a promotion to receive {$200.00} for establishing an account and setting up direct deposit of {$1000.00} within 60 days. I opened the account XX/XX/XXXX the last day of said promotion. I met the terms by XX/XX/XXXX. I waited the requisite 60 days from meeting the terms to contact the bank, I called in several times over the course of 2 weeks and never heard anything back. Eventually after  having to go into the actual branch and having people tell me that they would contact their promotions team and get back to me another and not hearing from anyone their response was that the agent who opened the account did not attach the promotion and it has expired so they would not be giving me the bonus. This is unacceptable as I opened the account within the designated time frame and met all the conditions, this was a mistake on the part of U.S. Bank and their employees and therefore needs to be corrected by them otherwise it is false advertising.
Subject : XXXX XXXX XXXX subsidiary Inbox Loan Not Licensed for Lending Activity in the state of CA. 

I began to suspect suspicious activity from the lender when I received multiple calls to complete an application after I had already done so. I was receiving multiple calls, emails and voicemail messages from various representatives of the company to verify my bank account details and at one point received an email that my bank account details were verified although I had already completed over the phone with the representative days before. After receiving the loan, I reviewed my statement and noticed incorrect amounts that were not quoted, or reviewed with me, over the phone. In addition, the monies they were going to take out on the first payment were more than stated. After noticing all of the discrepancies I began to research and found out the company was not licensed to do business in the state of California which is where I reside. In addition, I saw several reports of the parent company " XXXX XXXX XXXX '' was not licensed to do business in several states and were known to do business under various business names one of them being " Inbox Loans. '' After finding this information I contacted XXXX Loans to request their license number and was told by several representatives that they didn't know it or that their Finance department was the only one that had the number. I contacted the Finance department and was also told by the representatives in that department that they didn't know it and my request would have to be escalated. I contacted the CA Department of Business Oversight and it was confirmed by a representative that XXXX XXXX XXXX and Inbox Loan had been reported and were not licensed but I would have to contact FTC to report it. The FTC suggested I file the complaint with the CFPB. I have received numerous calls and messages to collect monies on the loan, often times late at night or at work. I am frustrated and scared this organization will take the information provided and access my personal data, including financial data. Can someone please help!
CFPB complaint XX/XX/2016 This is request for Capital One Bank ( USA ) , N.A . for the address to send a credit reporting dispute and request investigation, of a master card, credit card issued by creditor/furnisher, Capital One Bank ( USA ) , N.A . reporting on my credit report. 
You website stated the following : " In addition, because Capital One does not have a designated custodian of records, a subpoena must be directed to the Capital One entity that maintains the requested records. The primary Capital One operating entities from which records are customarily requested are Capital One Bank ( USA ), N.A., Capital One, N.A., and Capital One Auto Finance. Capital One Bank ( USA ) , N.A . offers credit and debit card products, other lending products and deposit products. Capital One , N.A . offers a broad spectrum of banking products and financial services to consumers, small businesses and commercial clients, including traditional banking and credit card products. Lastly, Capital One Auto Finance, a division of Capital One, N.A., offers automobile financing products. ''