WillisBack/dataset-financial-user-claim huggingface dataset:
I had an account well over 10 years ago with Discover Card. 10 years ago I had moved to brasil. A couple years ago they liened my bank account. That is exactly when I learned I owed Discover card over {$6000.00} what with attorney fees and interest ... 


While I was in XXXX they " served '' " me '' with court papers and got a judgement against me in court. I am a XXXX XXXX XXXX skinny XXXX male. They served someone who was described as XXXX '', XXXX pounds and XXXX,.. The judge laughed when I asked her to go see how I was " served. '' I immediately called the attorneys working for discover card. 
I sent proof all my money was XXXX payment standong term XXXX. Payments l exempt from judgements in California. 

When still spitefully made me wait a couple months till the court date. Maybe hoping. I would not appear a dashed get my entire movie ths income. 

I then sent off all the information to discover in Ohio. Pointing out the defective service. Giving them ALL my bank account numbers with proof it was judgement exempt income. AND??? 

They told me they assigned me to a new attorney who will probably wait and lien my account and hope that by then this permanently XXXX old man is too sick to. Are the long bus ride to court, etc etc By the way : I DID offer, in writing, to negotiate with them IF they could offer me any proof at all that the debt was actually mine, and how much of it was interest and attorney fees IF so ... But. Of course, they did n't have that. Guess they assumed they had me Locked in with their judgement.
I refinanced my home with California Bank & Trust, they sold the loan without notifying me, and I made my checks out to them for two months after the refinance ( I have copies of the cashed checks ) but they did not forward funds to the new lender. Inside of 60 days I was turned over to collections by the new lender, and after numerous calls to California Bank and Trust, with no results, I am now in default of my loan. A representative of California Bank and Trust has acknowledged their mistake but to date, and it has been over a month now, has refused to reimburse me or pay new lender. I do n't know what to do, but I 've hired an attorney to look into the matter, and would also like to file a complaint. I understand they are legally bound to notify me of selling my loan inside of 30 days, which they most certainly did not. It appears as if my XXXX FICO score wo n't be XXXX much longer.
In XXXX of XXXX I requested an income contingent repayment and was denied and told by the representative that I was ineligible. In XXXX of XXXX I was subsequently enrolled in an repayment plan and told that after six successful payments my late payments would be removed. After six successful payments and several calls and letters, the creditor refuses to update the payment status on my credit file.
Back in XXXX 2015 my wallet was stolen and my credit cards used, all of which have been deactivated and my money refunded. The appropriate Police Report was filed in XXXX 2015 immediately after the wallet theft episode. Also, the thief got into my checking account and pulled money from it. Said money was also returned by my bank and the account closed. Unfortunately the thief has my driver 's license and I want to stop him from using it. I have worked real hard to identify the thief and I am writing to you to ask for help. 

The thief used ACH to pull the money which allows one to see the account to which the funds were sent. I contacted the bank to which the funds were sent but they will not give me any information. They said they need it requested by my bank or the police. 

I contacted the police immediately since the theft ( back in XXXX 2015 ) and repeated attempts to get them to help me have yielded absolutely no results. In fact, on my own, I was able to get information that the police said they could not get. The detective on the case has not proven interested in helping. He says that the bank will not give him information, information which I was able to get with one phone call. I gave up on the police after 5 months of trying. 

The bank refuses to work on this because they say that for the money that was stolen ( {$150.00} ) it is not worth their time and that I have been refunded said money. 

This means that, while there is information that would allow the police to ID the thief, and maybe stop him from using my drivers license to inflict more financial damage to me, no one really cares to help me. 

I need someone to compell the bank and/or the police to act in assisting me ID the thief and stop him for further attempt to steal my money and perhaps even my identity. 

Can you provide some assitance?
I lost my job several years ago and got behind on my Sears/Citibank account. They were charging so many late fees and additonal fees that I could n't bring my account current. They sent the account to several collections companies, and now filing a judgement to sue me. My information has be shared and sold to several collections companies, that I do n't know who actual has my account. A person came to my home when I was n't present to serve me court documents, I asked my maintenance man to tell them to send it certified, they stated it must be hand delivered. I need help with this that I can respond to the court/judge, but do n't have anything or anyone to contact.
We have been processing a short sale wit h Astoria  and their servicer  XXXX  since  XXXX  of  XXXX . I will spare you all the details of how they lost our documents several times and re-requested items they already had. This is why it has taken a year to process the short sale. The most egregious issue is on  XXXX   XXXX ,  XXXX , a counter offer was issued and the buyers accepted the counter offer. All of the requested documentation was submitted to Astoria on  XXXX   XXXX ,  XXXX . On  XXXX   XXXX ,  XXXX ,  XXXX  indicated they will issue a decision by  XXXX   XXXX ,  XXXX . I contacted them several times to follow-up and finally on  XXXX   XXXX ,  XXXX , the day after the Federal taxes are due they requested a copy of them to continue the review. It should have been out of review by  XXXX   XXXX , according to their timeline. We provided the taxes on  XXXX   XXXX . They indicated this file was not sent to the committee for final decision until  XXXX   XXXX ,  XXXX  and they will take 30 days to review the offer. It 's ludicrous to require another review, since this is the counter offer THEY issued us, and we agreed to it. What is their to review? Today, I received a call from the second lender indicating if  Astoria  does n't approve it by  XXXX   XXXX , the 30 days they set out as their review period, they will rescind their short sale approval and we will have to start over with the entire negotiations. It is completely unconscionable to request a counter offer and when it 's agreed to, indicate you will take 30 days to re-review it. Why would the counter offer be made if it was not approved by Astoria already? It 's not negotiating in good faith or a good way to do business.
I could not continue making payments to XXXX XXXX XXXX XXXX XXXX NE XXXX in XXXX XXXX. I called them and made arrangements for the vehicle to be returned. XXXX XXXX XXXX reported a " charge off '' of {$11000.00} to TransUnion. XXXX then sold the debt to a third party ( XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. ) In XXXX XXXX I contacted XXXX to pay off the debt. XXXX referred me to a third party collector XXXX XXXX XXXX ( XXXX ). I contacted XXXX and we agreed upon {$7700.00} to settle the debt, and I overnight mailed XXXX a cashier 's check. 

Now the problem : I obtained copies of my credit reports from all XXXX credit bureaus and the debt remains showing as a " charge off. '' XXXX says they wo n't report this account as " paid '' to TransUnion, that it is XXXX 's responsibility even though XXXX is mentioned on the credit report under XXXX 's Name. XXXX says they wo n't change the status. I have disputed it with TransUnion three times and submitted proof of settlement and payment, but TransUnion refuses to accurately update the credit report. 

I submit that : one, when XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX, the debt ceased to be a charge off and that XXXX should have changed to status from " charge off '' to " debt sold '' ; two, once XXXX was informed by XXXX that the debt was paid/settled, that XXXX must change the status on the credit report to " paid/settlement '' ; three, that since proof of payment has been provided to TransUnion three times and that this inaccurate information on my credit report has been disputed three times ( and that XXXX and XXXX both acknowledge that the debt is paid, ) that TransUnion must change the credit report status from " charge off '' to " paid '' or " settlement. ''
I was contacted by XXXX XXXX XXXX and they claimed that I visit their site. The man said I was approved for a loan. I said ok and XXXX was deposited he did n't advise me that they would be charging fees or I would have never agreed! As of today they withdrew {$1300.00} from my account.
I am on collection from a circuit court in XXXX, Texas from a company that I have never conducted business with. The company is State Farm and I believe the amount is {$500.00}. I have never purchased any kind of product from them. I have never received anything from them. I 've never been associated at all with this insurance company so I do n't understand how I owe them anything at all.
This complaint is regarding the poor service that I 've had with Navient as my loan servicer. 
1 ) I was encouraged to opt for forbearance on my student loan instead of IBR for several ( 10+ ) years when I was unable to pay my monthly loan payments. My total student loan debt, as a result, has skyrocketed and now I can barely manage my IBR payments. 
2 ) As a XXXX, I should have been allowed to enter into the Public Service Forgiveness program when I asked about it over XXXX years ago. Instead, when I inquired about it, I was told they do n't do that and that even if I did use another lender to do it, I 'd have to claim any portion that was paid off as income and pay tax on it.
On XXXX XXXX XXXX I received a phone call from XXXX XXXX indicating that unless I settled a debt with Citbank that day, I would be subject to legal action on behalf of the creditor. They specifically threatened to place a lien on my vehicle. They indicated that the last payment made on the debt was XXXX. I have no idea if this is a valid debt or not, but this well exceeds the statute of limitations in the state of Florida.
Ive had 2 loan modifications in XXXX and one in XXXX. The account now shows current but the history still shows XXXX days past due. Part of the modification process is to bring the account current and Im doing so the credit history for that time was supposed to be updated to show current. Under the laws of the FCRA this accounts history isnt being reported properly and it is adversely affecting my credit and score. Please remediate.
Navient has ruined my credit report. I have been faithfully having {$100.00} every month taken out of my bank account for the last couple of years and when I signed up for their program they said that the monies will go directly to the principle. Not true, my cosigner has been trying to get a loan and on my report it says I have n't been paying at all " charge off. '' Upon further digging today I found that they are charging my interest. I wish I would ha e known because I would ha e claimed it on my taxes in XX/XX/XXXX and XX/XX/XXXX. I got not letter from them saying that I paid them interest. Today I was on the phone e with them for well over an hour and they just kept making me hold or sending me to another department that just passed me on to another and another. They offered my coborrower a payoff to take his name off my loan in the amount of {$3000.00} and then said they would write the whole loan off if he came up with {$600.00}. Both of us would qualify for a loan to pay this off if they have n't been reporting that I am not paying. I have had problems with this loan in the past when they were taking payments when they were not supposed to. My account according to them is on track because of the {$100.00} a month payment, but then I switched departments and they say because I have n't been making the full payment I am delinquent and that 's why my credit report says I have a charge off. Why set a payment plan up for me and tell me I am all good and then write me off as a delinquent account? My coborrower says they have been calling him every day, but they have n't called me to tell me what they are offering him or that there is even an issue with my account. I see on their website that there is a way to relinquish the coborrower, but I need good credit. How could I have good credit if they are the ones ruining it? Even though I have a payment plan with them they are charging me the remaining balance due every month. I had no idea that they were doing this. I thought that the repayment they set up with me was covering everything and all of it was paid towards the principle. They pulled a fast one on me and I ca n't believe I trusted their word, never trust your loan holder is what I am now thinking. This is the second time they have done me wrong. I have no way out, they wo n't make the {$5600.00} I owe them RIGHT now go away to clear my credit score, even though I have been paying them. Help me, please ... if there is anything you can do!
I applied and was approved for a secured credit card throug h CapitalOne  in     XXXX   XXXX   I submitted {$200.00} as my " secured '' balance and began to use the card. In    XXXX   XXXX     , I submitted {$250.00} more as a way to increase my limit and, two months after that, {$300.00} more, for a limit of {$750.00}. (  CapitalOne  would not increased my limit without the security deposit. ) I recently closed this account, now that I was able to qualify for an unsecured real credit card. There was no balance on the account when I closed it, but they told me it would take one cycle before they could return my security deposit. After about two months, I received a check for {$350.00}. I called to find out why I was n't sent the full amount, and the representative said there were additional charges on the account after I 'd closed it ( not true ). Then he said there were nonrefundable fees. This card had a high interest rate, but no fees.  <P/> I really would like my {$400.00} back and I am hopeful that you can help me. Thank you.
A XXXX XXXX XXXX of US Bank XXXX XXXX XXXX on XXXX/XXXX/15 manually adjusted a check deposit out of a checking account weeks after it had cleared the maker 's bank. At no time have I been issued any notice or option to dispute. They have refused to comply with Cease and Desist so that I can pursue dispute. They have refused to cooperate with external mediation so that the dispute can be resolved. They have refused to issue any form of document regarding how much they claim they are owed on an account that had overdraft protection on a linked credit card account that I was able to pay and close. They blocked deposits or other payments to the account at issue at the same time as the manual deposit. They have only vaguely stated they want cash only delivered in person only to only XXXX XXXX XXXX Branch Manager of US Bank XXXX XXXX XXXX who as in this is not likely to credit the account at a national bank that has no possible options to do so. I do n't live in or bank with that branch at the time or since as one whose ATM never worked either. They retaliate for seeking external mediation. And have completely blocked even paying while continuing to escalate extrernal credit reporting damage and stalking me personally harassing me up to 3x a day with the block of payment, refusing to do other than issue another completely different false claim, taunt, harass while I am at work taunting about falsifying the entire thing, etc. 

They have in the XXXX and XXXX suburban areas of US Bank as well as MN Fraud Division for all of XXXX, refused to comply with Cease and Desist so that I could pursue dispute and resolution of this false claim. 

They continue to and take all these actions with fraudulently created debt which is against the law directed at anybody or any type of entity. 

I am being harassed so continually and methodically, including the XXXX XXXX and other taunting up to 3x a day, that US Bank has become violently dangerous to my personal safety. They are disrupting and forcing cancellations of necessary health care XXXX, etc. 

The time and money they are gouging about this dispute are also in XXXX dollars by now and irreparable damage has been done over this nearly 2 month time frame of illegal collections, illegal credit reporting, and illegal personal stalking to the point of a computer cartoon entertainment on the part of US Bank employee who continues to orchestrate it.
There's unauthorized inquires on my credit report inwhich I have absolutely any knowledge of, and with that said I'm requesting physical documentation of these inquires. The following inquiries are ( 1 )  XXXX XXXX XXXX on XX/XX/XXXX ( 2 ) XXXX XXXX on XX/XX/XXXX, ( 3 ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 4 ) XXXX XXXX XXXX ( 5 ) XXXX
Collection agency NCS have been repeatedly calling me on my cell phone during work hours. When I answer I have been put on hold and eventually forwarded to a voicemail. I was finally able to get a hold of someone only to be yelled at called XXXX and then hung up on.
Under the new law that was effective XXXX XXXX, 2017, any public record data must include the name and address, as well as the SSN and DOB in order to appear on a consumer 's credit file. The Credit Bureau 's have yet to update this information. Per the new law True Bankruptcy listed does not include this  information and should be deleted from my credit report.
I spoke with my bank about excessive fees being charged to my account when I do not keep a minimum balance for my account. I have autopay set up for a host of bills ( student loan, cable, electricity, insurance, etc. ). I do n't necessarily keep up with the timing of the bills, which is mainly the reason people have autopays set up. An autopay withdrawal for a student loan combined with my university fellowship being paid several weeks late made my balance fall to {$2300.00} when it should be {$2500.00}. The following day my fellowship was paid. They told me that they educated me about the minimum balance that I needed to keep at an earlier date. On that occasion, my credit card company debited this checking account twice for two statements, making my balance fall low the first time. Again, that first time was out of my control. I explained all of this to TD, and they refused to waive the fees completely. I am not ascribing blame to TD, but being a little bit flexible with when people are debited and credited should be standard when assessing fees. Having a balance {$150.00} under the minimum balance for less than 24 hours is not good practice.
I had a medical bill, Amcol called me and asked if I would be interested in setting up a payment plan, I told them yes, and the agreement was, XXXX a month to be drafted out of my bank account for 36 months. The first payment was drafted on XX/XX/XXXX it was an over the phone payment to get started. Each month there after Amcol drafted XXXX a month from my bank account. In XX/XX/XXXX, I received a notice from my bank saying we have been made aware your card number have been exposed in a data breach at a merchant location, etc ( I have the letter ) we are sending you a new card. I received a new card, and on XX/XX/XXXX I activated my new card. 
On XX/XX/XXXX I got a call from Amcol from a lady name XXXX, I tried to explain to her what happen and it was not a problem I just got a new visa/debit card and I will give Amcol the information so they could debit my account, I told her I would call them later that day because I was on the road driving to an appt. on XX/XX/XXXX, I called Amcol and I did not want to speak with XXXX again because she was rude, I spoke with a lady name XXXX, I gave XXXX my new debit card information and she said she was going to process the payment, on XX/XX/XXXX Amcol put the debt on my credit report. The last payment Amcol debit from my account was on XX/XX/XXXX. From the beginning of the agreement XX/XX/XXXX until now I have not missed a payment or been late. Amcol miss used there authority, Amcol normally draft my account on the 6,7 or 8th of each month, Amcol had my new debit card information on XX/XX/XXXX. Amcol had no reason to put this debt on my credit report when I was paying the bill in agreement with the arrangement we had made. I was not late when I gave Amcol my new debit card information. I would like to keep making my payments and I will give it my all to pay the debt off sooner so I don't have to deal with Amcol any more, and I would like for them to take that debt off my credit report, because its a lie to say the debt was not being paid or late. I have my bank statement of every payment I have made, ( XX/XX/XXXX ) This should be against the law for a debt collector to put any thing on any ones credit report when they are paying the bill. What I don't understand is why is Amcol willing to hurt the creditor they are working for to collect payments for them? I should not have to plead my case, when I am so willing to get my bill paid and keep my credit good. I am praying someone can help me. I have worked really hard to keep my bills in good standing. Hope to hear from someone soon. 

I have my bank statements and letter from bank, let me know if you need them.
I have send this credit bureau several letters and filed over several complaints that has been ignored over and again for several inquiries that are showing on my credit file that they maintain under my social security number. I am aware that under XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX ), they maybe liable for willful non-compliance. The inquiries are still on my credit report and I have also send a letter to the creditors reporting these inquiries and the credit bureau has refused to remove these. 
1. XXXX XXXX- XX/XX/XXXX 2. XXXX-XX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX-XX/XX/XXXX 5. XXXX XXXX-XX/XX/XXXX The above noted allegations of inquiry is one that LACKS demonstrated evidence of physically verifiable proof of Permissible Purpose or PROOF of Metro 2 COMPLIANCE, as REQUIRED! As such, I am in my consumer rights to demand and compel you to DELETE IMMEDIATELY! The above listed ALLEGATION of INQUIRY is NOT currently reporting COMPLIANTLY due to one or more of the following reasons to include but not necessarily limited to at least that The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT PROVEN of MY RESPONSIBILITY, or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. I demanded that the credit bureau Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!! But they refused.