WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX and unfortunately I was brought into a conspiracy by the U.S. Government. I was wrongfully XXXX for 7 years in XXXX. Before I turned myself in eight months later I was receiving SSI for my XXXX of a XXXX XXXX/XXXX XXXX  was in paired. I suffered a overwhelming hardship and need money to fight my case. LEGALLY SSI IS CONSIDERED EXEMPT MONEY AND CAN NOT BE GARNISHED FROM MY ACCOUNT. i WAS NOT ABLE TO GET THE MONEY BECAUSE THE CHILD SUPPORT AND WELLS FARGO SEIZED OVER {$20.00} FROM MY BANK ACCOUNT. INAPPROPRIATE GARNISHMENTS RESULTED IN A FINANCIAL HARDSHIP FOR ME AND MY FAMILY ARE CONTRARY TO LAW. SUPPLEMENTAL SECURITY INCOME BENEFITS UNAUTHORIZED UNDER TITLE XVI OF THE ACT ARE EXEMPT FROM CHILD SUPPORT GARNISHMENT AND INCOME WITHHOLDING. WELLS FARGO DID NOT PROTECT MY ACCOUNT OR MY MONEY. ALL OF THE MONEY GARNISHED BY CHILD SUPPORT SHOULD BE REIMBURSED BACK INTO MY BANK ACCOUNT WITH INTEREST. WELLS FARGO SHOULD BE HELD ACCOUNTABLE AND TRANSPARENT. FINANCIAL HARDSHIP! MENTAL HARDSHIP! EMOTIONAL  HARDSHIP. I NEED HELP! 
On XX/XX/XXXX2011, the department of the treasury, in conjunction with other federal agencies, issued an interim final rule, regarding the garnishment of accounts containing federal benefit payments. In light of this rule, the federal office of child support ( XXXX ) is emphasizing our policy related to garnishing federal benefits, especially those related to ( SSI ) income benefits. We urge state and Tribe child support agencies to implement automated and manual safeguards to ensure that SSI benefits are not garnished. 
The social security act ( the act ) permits garnishment of child support directly from the federal payor of " monies payable to an individual which are considered to be based upon remuneration for employment ''. See section 459 ( h ) ( 1 ) of the act. In nearly all states, if the state is unaware that a noncustodial is receiving SSI and the funds in the bank account are frozen, the state has procedures in  place to quickly release the funds back to noncustodial parent, the rule goes on to
XXXX XXXX XXXX XXXX Ticket # XXXX OnXX/XX/2018 I applied for a credit card through XXXX XXXX  XXXX XXXX XXXX  and purchased a XXXX  phone ( XXXX XXXX ), case and screen protector. The cost of this purchase was {$770.00}. I was given a temporary card number ending XXXX. On XX/XX/2018 I returned the phone to XXXX  who insured me the credit will reverse the charges. Early XX/XX/2018 I received a credit alert that my credit was affected and I had an outstanding balance on card ending XXXX.

I went to the XXXX   XXXX # XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX, CO XX/XX/2018. I was given another promise that this charge will be reversed and my account will be closed per my request. The XXXX  representative at the time spoke with a representative at XXXX XXXX who stated this issue would be resolved within 30 days. XX/XX/XXXXI received another credit alert that my credit score dropped again affecting my ability to get a small loan. Again the XXXX representative called a representative for XXXX XXXX XXXX XXXX XXXX  and was given more information about what the issue possibly is.

The XXXX XXXX  representative stated the credit to revers charges was put against the temporary card ending XXXX and not the permanent card ending XXXX. This is an internal error and is causing me great credit grief as well as it is time consuming disputing charges that both XXXX and XXXX XXXX have documentation for. I was told on XX/XX/2018 this issue would be reversed, my account would be closed and they would be in touch with me with a letter confirming closure.

To this date XX/XX/2018, I have not received a confirmation ticket # XXXX was resolved. I called and spoke to a representative who told me this ticket is still open and I owe {$340.00} on a {$940.00} bill. This is unacceptable and damaging to my credit rating.

Mr. XXXX XXXX
On XX/XX/2018I bring a TAX REFUND CHECK and give a CAPITAL ONE BANK tailor at following address XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. 
Because in heavy snow a check was wet. A tailor XXXX XXXX put a check in a check in a check riding machine and check was shrined for a small pieces. 
I am not shore now which way Capital One bank process this check and who first this happen. 
Check was amount XXXX dollars and issue from New Jersey Department of Treasure.
I have sent them certified mail to cease & desist calling my cell phone any longer. I ask them to demonstrate the entire chain of title of the said stated acct. with Synchrony Bank aka Care credit. I ask them to provide & produce all account statements that prove the acct balance in question to be correct or provide the actual amount they paid for the Care Credit acct. from Synchrony Bank. I was not notify by XXXX XXXX XXXX that they bought this account. Instead Synchrony Bank notify me by a letter sent snail mail dated as of XX/XX/XXXX. I now dispute the debt & sell. I could have used a debt management company to resolve the matter with Synchrony Bank. They used under handed means to get me to default on the account in the first place by lowering my Care Credit line of Credit from {$2000.00} to {$1400.00} without any written notice. I got the necessary documents to prove it. I'm under some economic hardship due to a part time job and a divorce earlier in the year.
I opened an account at Wellsfargo bank here in XXXX Va. The purpose of this account was for a secured credit card to boost my credit score, I was toldthat if I maintan the account in good standing for a period of one year I would then be given my {$300.00} back and the card would go to a normal credit card, i have had this card for two years now and it is still a secured card and when I question it they give me the same story it did not qualify. Well this year I called again and had it raised to corporate level where I was told probly history of my account was bad, this is a lie I always pay this and every other account on time and usally pay more than the minimum payment. Ichecked my credit report and my score is in the high six hundreds and I have unsecured accounts, they are just giving me the run around and will not furnish exact proof why I can not get an unsecured card with them. I spoke to XXXX in corporate office and was told there was nothing he could do. The original discucions where from XXXX when the account was opened. also they charge hirer intrest rate with secured cards. This needs to be corrected and I need to know the exact reason that they willnot give me an unsecured card.
I HAVE BEEN UNABLE TO GET THE ANSWER TO A SIMPLE REQUEST AND HAVING RECIPIENT CHANGE THE PRIOR REQUEST TO AVOID ANSWERING. I WOULD LIKE THIS TO SERVE AS A QWR-QUALIFIED WRITTEN REQUEST TO ADDRESS THE ERRORS IN THE AGREEMENT AND DISCLOUSURE STATEMENT BEARING THE BLANK ENDORSEMENT OF XXXX XXXX XXXX. I RECEIVED A COPY OF THIS ENDORSED IN BLANK DOCUMENT RECENTLY AND ASKED FOR THE TIME THAT SPECIALIZED LOAN SERVICING CAME INTO POSSESSION OF IT. THE RESPONSE WAS DENIED AS WELL AS CHANGED IN NATURE OF ACTUAL REQUEST. IF THIS IS MY ALLEDGED LOAN DOCUMENT I AM ENTITLED TO INFORMATION CONCERNING IT.
On XXXX I mailed a typed letter to Portfolio Recovery Associates to politely inform them that my company did not permit personal phone calls and to request they stop calling my workplace immediately as their contact could possibly imperil my job. 

Since them I have received a call on XXXX from XXXX, one on XXXX from XXXX, and one on XXXX XXXX.
I received a call from a " Blocked Number '' and the caller indicated that she was with " XXXX County '' and that a Mediator had been assigned to a case that was filed against me. She gave me a phone number ( XXXX ) to contact the mediator and a case number to reference ( XXXX ). When I called I was told it was in reference to a debt with XXXX XXXX XXXX. The person I was speaking with said she was a mediator working with an attorney and they were going to file a lawsuit and lock my bank account, garnish my paycheck, and contact my employer. She talked and talked and talked and talked and was clearly trying to come across as " helpful ''. She then started asking me personal questions like " Did something bad happen in your life that caused you to default on this loan that is very obviously yours? '' I refused to answer any questions and asked her repeatedly what it was she wanted. I pointed out that we'd been on the phone for over 8 minutes and she had yet to tell me what she wanted. She eventually wished me luck after pointing out that I must not care about my debt. 

I knew enough that I refused to acknowledge the debt or any knowledge of said debt, and I refused to answer any of her questions.
Due to a XXXX on XXXX/XXXX/XXXX, the judge ruled that we must put our XXXX XXXX condo in Short Sale. I began the process last year in XXXX with XXXX XXXX XXXX XXXX Late XXXX XXXX XXXX XXXX sold the mortgage account to Shellpoint Mortgage Servicing. At that time, I had to begin the Short Sale process all over again under Shellpoint. Since XXXX, I have repeatedly sent the same documents over and over again. They ask for : 1months pay stubs, bank statements, Uniform Borrowers Assistance Form, Dodd-Frank Certificate, Buyer 's Proof of funds, Homeowner Association Statement, 2nd Mortgage payoff letter. Once I ( and my realtor ) send in all of these forms they wait two months and ask for them again. Sometimes they say the forms are not in the file or were lost with the old case manager, and sometimes they say that the forms are outdated and we have to submit them all again. 

Overall, Shellpoint case managers seem to either be very overloaded or incompetent. 
Just one month ago, I was told that all documents look good and are being reviewed by the underwriter. As of today, XXXX/XXXX/XXXX, I am told to refurbish many of these documents all over again. 

It has been a year now since I have started the Short Sale process ( under a judge 's ruling ). I have tried very hard to avoid foreclosure. At this time, I do have a buyer and I 'm scared I may lose them due to the lack of attention to my case.
Sent letter in  XXXX  for goodwill adjustment for the following periods :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  this request was denied.   I followed up and sent in a second letter via fax on  XXXX   XXXX ,  XXXX  to request that the delinquent status be removed since due to being granted retroactive forbearance is now being inaccurately reported as being late when. I received a phone call from th eir Consumer Advocate center an d they stated that they do not have to update what they consider correct information at that time period. Yet  XXXX  refuses to correct and update this information standing behind their policies.
I recently used Chase Quickpay to sell a pair of concert tickets I could no longer use. The buyer sent payment through Chase Quickpay, which I accepted. After the payment was accepted, I gave him the tickets. 
The next day I got an email that said the transaction had been cancelled. When I called Chase customer service I was told that everything looked fine on their end and that it would just take a couple days to process and that I should receive the funds by Tuesday. 
I logged in again on Monday and saw that the money had been reversed with the note that it was cancelled. I called customer service and was told there was nothing they could do and that I should n't have used Chase Quickpay for the transaction. Apparently the other party had cancelled the transaction from his end later that same day. 
As a long-time loyal Chase customer, I am very disappointed with this response. I have multiple accounts with Chase, including checkings, savings, investments, auto loan, and XXXX credit cards. I would never have used Chase Quickpay if I had known that it was possible to cancel a transaction that has been sent and accepted. I felt confident using Chase Quickpay because I had assumed that Chase would offer its loyal customers basic protection against fraudulent activities but I 've since been informed otherwise.
See also Complaint XXXX, against XXXX XXXX XXXX. This complaint is against law firm representing them. 
Currently engaged as Pro Se Defendant in lawsuit w/ XXXX , XXXX XXXX District Court , XXXX , Arkansas division Case No XXXX. See attached items. 
Plaintiff 's counsel is in clear violation of XXXX of Consent Order XXXX-CFPB, which is specifically applicable to Respondent 's attorneys and representatives. 
Bill of Sale presented by Plaintiff, via their counsel, as evidence in this matter contains no reference to the Defendant, any personal information pertaining to the Defendant, nor the alleged account number or particular Debt being collected on, at issue in this action, nor is there " exhibit attached to each bill of sale or other document transferring ownership of the Debt that is represented or warranted by a Seller to be a list all Debts acquired in that Portfolio. '' There is only a separate XXXX column printout page which does not meet the requirements of Order, and has no notation, header, footer or other identifying characteristic back to bill of sale.Although I requested adequate proof of ownership in Discovery via Request for Production of Documents, Plaintiff 's counsel objected to request as irrelevant. 
Also, Plaintiff 's counsel is in violation of XXXX of Consent Order, there is no direct reference in the original Complaint Affidavit nor Trial Affidavits as to the definitions of what or which documents the Affidavits to be " personally acquainted with the facts stated herein. '' Trial is iset for XXXX. Plaintiff 's Counsel 's XXXX responses indicate no further documentation to be provided nor witnesses to be called, depriving me of opportunity to cross-examine affiants, No affidavits filed from alleged original creditor. 
This indicates a continued effort to litigate and collect on a debt which can not be properly proven, and a lack of appropriate documentation which, per Consent Order, must be in hand before filing suit.
I have been receiving calls from STP processing for awhile now and they rarely leave messages. I have been injured and not able to properly communicate over the phone until recently. They call me a few times if not more each day. They have called my old employment and family even though they have my phone number that is still in full function. They have threatened a pending legal action and putting me in jail. They have not told me what the debt is or who they are associated with and I have never received anything in the mail from anyone about this matter.
I was separated from my husband and didnt receive a bill for one of our sons ER visits. We are both responsible for his hospital bills but it ended up on my credit report. Ive tried to dispute it with the credit agency and collection agency. I paid the collection as soon as I found out about by pulling my credit report. Which was by also getting money from my ex as he is just as responsible. Its only because my son is on my insurance that it was under my name.

This is the only thing on my credit report EVER. Before this my score was in the 800s. Now its in the 600s and causing issue when I try to buy a home.

I just dont think its fair that this is impacting me when if I knew, I wouldve paid immediately. 

XXXX has already removed it from my report. Im asking for help in removing from XXXX and XXXX as well. 

XXXX XXXX {$630.00}, reported XX/XX/15 XXXX XXXX {$960.00}, reported XX/XX/15
I received a telephone call today around XXXX on my cell phone asking for someone other than me. I explained they had the wrong number and then they stated that they just received my number and then said my name. This automatically put me into a panic because they originally had asked for someone else. They never once stated their business name only stating that they were attempting to arrange financial arrangements for a debt from XXXX in California in the amount of XXXX $ and wanted to see how i would go about paying for this today XXXX/XXXX/16 Or they were going to report this debt on my credit and ruin my credit if this was not paid. I told them I would call them back because I 'm not aware of this debt. I called XXXX at XXXX and a man answered the phone CCS. I wa put on hold and then transferred to a rude man by the name of XXXX who kept saying your name is on the paper so you are responsible. my credit is not great but I 'm working on that and I find this unfair and also illegal because no one has the right to threaten you to get you to pay a debt from over 3 years ago. Thank you
After going through my credit cards I could n't figure out why my Best Buy credit card balance was not going down even though I had been paying {$100.00} a month for over 3 years. I never paid close attention to the balance because I had continued to charge items as needed. I was notified that my promotional period was ending on my card and I would be charged an additional {$1000.00} if my promotional balance was n't paid. After deeper investigation of my bill I called a phone number where it listed I was paying a {$30.00} fee per month. The man on the other end explained that I have been paying for a debt protection service since 2011 that I never agreed to. NO WONDER MY BILL WAS N'T GOING DOWN! After reading online I realized that I was not the only one scammed by this and I need help in rectifying this issue and getting my money back. It turns out that many people have been scammed in this same way because the service is added on by a sales rep or in some back ended manner without approval from the card holder. I was never notified of the fees when I signed on and I pay my bill paperlessly. This is a true reflection of consumer gouging and taking advantage of people. It is a crime that I insist must be investigated and repaid.
Sometime within the last month Midland Credit Management ( Based out of XXXX XXXX, CA ) has  been contacting my best friend and discussing my debt problems with him. The caller has discussed how much I owe and how Ive paid so far.
I left for XXXX XXXX and XXXX and my student loans defaulted When i returned home i contacted the lender ( XXXX XXXX ) and told them what happened and sent in my paperwork and my loan was transfer backed to XXXX XXXX and i paid of the loan XXXX ,2017 Now i have two student loan accounts on my credit report I have talked to XXXX XXXX about this issue and they have told me to contact the reporting Credit bureaus. To fix it
I have applied for a loan modification. I am currently paying 6.5 % on a loan. The method to apply requires that you go on line and submit various appears. When I submitted them I had apparently not provided or incorrectly submitted some forms. There is no way to know this other than to check again online.No emails or phone calls from them.I have called the person who is supposed to be my " specialist but never actually spoke to him. He is very hard to understand. I get different people who give me different reasons why this has taken more than 4 weeks despite the site saying 7 days. I am about to be late with my monthly payment. The person I spoke to today said it was given to the underwriters on XXXX XXXX th and it could take up to 30 days. The person before said that it was out of their hands since the application has to go through my home state and they are waiting for the return from New Mexico. It seems to me that the longer they put off their decision the less it costs them. If they reduced my interest rate from 6.5 % to say 3 % ; by me continuing to pay the higher rate. according to the last person I spoke to, It so happens that the date I become late with my payment is the same date that the underwriters are supposed to " decide ''.
Why are you ; THE CFPB, giving Equifax XXXX more days to do an investigation that the dispute was sent to them ON XXXX. XXXX!!!!???? DISPUTE CASE # XXXX!! THEY HAVE ALREADY HAD OVER XXXX DAYS. WHAT ARE YOU NOT ENFORCING THE LAW??
We mailed a check in the amount of {$1000.00} to a vendor on     XX/XX/XXXX .   This check was stolen, endorsed & cashed by an individual at a  XXXX  branch. We then completed an " Affidavit of Unauthorized Endorsement or Altered Item '' form submitted by Chase bank on     XX/XX/XXXX . Sub sequently, we 've pursued our inquiry about the status of this claim monthly - but each time we were told that the matter is under investigation by  XXXX  and that  Chase  is still awaiting a response. Yet, today- a fter four m onths of waiting- we received a letter informing us that this matter was closed because we failed to supply them with " previously requested additional information. '' This  is incorrect- the 2 page  form emailed to us was completed, notarized and mailed as instructed. When we called  Chase to question this letter - they were unable to tell us exactly what was missing. Instead we were advised to resubmit the forms again. Which means they 'll commence this process over again. HELP!! Clearly, a check that was endorsed by an individual when it clearly was issued to a Company should never have been cashed. At this point, we believe we are being stonewalled in an attempt to thwart the return of our money or to discourage us from pursuing this further. Chase has refused to credit the money back to our account until the " investigation '' is completed. Chase states that the entire process can take up to 120 business day. But if we have to resubmit it will take an additional 120 days.
Applied for Mortgage loan, and noticed this account on my report. Attempted to contact the listed creditor name ( XXXX ), who informed me that this account now belongs to retrieval masters creditors bureau, and to contact them at XXXX. Ive never received any notices from either XXXX nor Retrieval Master Creditors bureau about any accounts nor do I recognize this account. This account does not belong to me.
The failure of this company to NOT maintain the freezes we ere supposed to have on my wife and my account opened us to the latest hack. Then we tried to apply for their protection but they have NOT followed up with a confirmation email and we can not get into their site. This is major impact to the people of America and on our family!
My Payment to Jared Galleria of Jewlery is due on or around the XXXX of each month. My husband and I both have accounts. I pay the payments online each month on or before the due date. Last month, the payment for my husbands account never cleared our bank when I expected it to. I called when I realized and they told me that the payment never cleared but that they could do the payment over the phone free of charge and would adjust my credit bureau from showing past due. I am meticulous about paying our bills and thought maybe I had just not hit the submit button. HOWEVER, today, I looked at my Jared account because my payment had n't cleared yet that I made on X/XX/17. When I pull up my account online it shows that I have a past due balance. Because of what happened with my husbands account last month, this month, I have been recording the confirmation numbers each time I make a payment on any of our credit card accounts to make sure I was n't making the error. When I called today, the CS person, XXXX, advised that they have been having system issues where they payments are not actually going through even though customers have a confirmation number. My concern is that at no time was I ever notified that there was an issue and Jared has not yet disabled their online payment system so there are likely other customers who are being charged late fees, having credit impacted, losing credit insurance protection etc. from having " late '' payments that are solely attributed to Jared 's online payment system not working correctly. XXXX told me that until further notice, we should call in and make payments over the phone. How are other customer 's supposed to know to do that if there has been no announcement or communication to customers?