WillisBack/dataset-financial-user-claim huggingface dataset:
I used my credit card rewards points to get two checks, made out to XXXX. This was in XXXX 2014. The checks were for {$250.00} and {$50.00}. They were XXXX sent to XXXX address. This was after the official split of XXXX and Sallie Mae XXXX I think XXXX. XXXX checks posted as payments to my Sallie Mae account, which I did not want XXXX my school is helping to pay for the Sallie Mae loan ). I called Sallie Mae, and they were able to reverse the payment, telling me it would be paid to XXXX. They did so, and my loan amount increased by the requisite {$300.00}. But XXXX never got the money -- or so they say -- and never applied the {$300.00} to my loan. Now I am out the whole {$300.00}. I called the companies twice ( once we did a conference call with representatives from both XXXX and Sallie Mae XXXX. They have been unable to resolve it and have not responded to me.
XXXX XXXX XXXX XXXX account still reporting incorrect shows last payment XX/XX/XXXX they also received and processed through my account XXXX XXXX XXXX {$27.00} in XX/XX/XXXX approximately the XX/XX/XXXX of the month they also accepted my payment of {$27.00} in XX/XX/XXXX processed through my account XXXX XXXX XXXX I then closed my account with XXXX XXXX  XXXX XXXX account. I then on XX/XX/XXXX through their automated system paid my remaining balance to XXXX with the payment of {$21.00} which was my final remaining balance. the confirmation number for the final payment bringing me to XXXX balance is XXXX on date XX/XX/XXXX payment has cleared my bank I received a letter today from XXXX XXXX XXXX XXXX card dated XX/XX/XXXX accepting the closure of my account by me and telling me I had a remaining balance of {$20.00} I paid that as I said XX/XX/XXXX I gave you my confirmation number XXXX this needs to be reported correctly account balance is XXXX and account is closed by me
Paypal closed my business Paypal account XXXXXXXXXXXX on XXXX/XXXX/15 without any valid reason or warning. Most importantly, Paypal refused to return my money and grab the money for 6 months without any reasonable ground. There is more than {$10000.00} in my account. 
Paypal claimed that they grabbed the money to cover any payment reversals. That is a totally fake excuse since there is no payment into the account at all. Their only purpose is to grab customer 's money and profit from it. I can not access my own all legitimate money, which causes enormous financial loss while Paypal profit from using my money interest free. 
Paypal 's act of grabbing customer 's money at will is rogue and illegal, which violates consumer 's property right protected by the constitution.
On XXXX XXXX 2015 I sold my home. My mortgage company was CCO Mortgage. The Mortgage was paid in full. On XXXX XXXX, CCO decided after my mortgage was paid in full to make the next quarters tax payment XXXX XXXX in XXXX 2015 XXXX from my remaining escrow funds even though the home was no longer owned by me and there would be no CCO mortgage on the property. Despite complaining to CCO on multiple occasions I am still owed {$730.00}. My town XXXX XXXX RI ) never process the tax payment because they knew the home was sold and that it would be an overpayment of taxes and they sent the money back to CCO. CCO can not find the payment and claims to be investigating. Its been almost XXXX days since my home was sold. They are violating laws by now returning my excess escrow funds.
This is in regards to Equifax behind hacked and putting my information at a very high risk for identity theft and fraud.
SPS has dropped the ball on this foreclosure avoidance program. Seller has been trying to do a short sale and SPS never ordered an interior value. They ordered an exterior drive by only which is NOT VALID when trying to do a short sale for establishing actual value of a property. We were told on XXXX/XXXX/16 that an interior value was ordered and expedited and then on XXXX/XXXX/16 we were advised that they do n't know where their interior value order is. SPS is confused and displaying incompetence regarding a financial matter. Sellers are trying to avoid foreclosure and negligence on behalf of SPS is not a valid reason for seller 's home going to foreclosure.
Having no intended business with Equifax I find myself having to paid to freeze my credit. This is the result of their data breach which has nothing to do with me. This data breach occurred on XXXX XXXX XXXX all most a month and a half. Giving the executives plenty of time to sell their stock. I want my money back.
Never got a bill for this, I did get some automated call that a bill went to collection agency. I called XXXX XXXX XXXX XXXX and they said we should of not been billed. 

I spoke to XXXX at XXXX at XXXX - XXXX called XXXX and told them they could not be charging me for this. 

XXXX XXXX used Central States Recovery, Inc. to collect.
Todays date:XX/XX/XXXX To whom it may concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX AFNI Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Have no idea why this item shows on my credit report. It is outside of California Statute of limitations.
This item is being reported to all XXXX Credit Bureaus and I never had any type of account with XXXX XXXX Library yet Unique National Collections continue to attempt to collect the debt.
I was contacted by Portfolio Recovery Associates for a debt that was included in a Bankruptcy. They told me that if I was able to pay a reduced amount that it would not be held in collections or need to be included in the bankruptcy filing. I paid the amount ( without having it verified ) requested by the Company, as they were pressuring for immediate payment on the phone or the account would not be settled. I had no time to ask for a letter in writing or any other form of proof. I paid the amount requested, and the account still shows as a collection on my XXXX and XXXX credit reports. 

This reminds me of a published report on PRA bad practices by the CFPB : " CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts '' ( published on XX/XX/2015 ). 

I spoke to PRA and disputed the item several times, that now the Credit Reporting Agencies are telling me that I can not dispute this item again without additional information. 

I feel like I was manipulated and lied to, and now the CRAs are allowed to disregard my dispute on a technicality.
My sister went to the dentis and got dentures and she is very unhappy with the results, they are still in wax and they are not finished and I lent her my credit card from pnc and the amount was {$3.00} and I disputed this on my credit card gave them everything they needed and still they are not giving me my money back. This has been going on since XX/XX/2018. They also wanted me to go to another merchant to get feed back, and other dentist just don't won't comment on another dentist 's work, and I had to pay for the office visit. I did everything to see if I can get my money back and they still won't. When I talked to the supervisor from pnc he also agreed with me about the dentist not commenting and then I said I have another dentist to go see and he said ok, but that dentist said the same thing and now he won't even return my phone calls, and he also said at the same conversation before I told him I was gon na see another dentist, that they would see what pnc can do for me. But has not called me back for days, I am filing a complaint, this is crazy, That conversation was even on a recorded line so he should not even go back on his word. I have the date and time from that conversation that was recorded.
I have had my mortgage with First Key for several years. Last year, I received a letter stating there was a shortage in my escrow account, so my payment went up. Had to pay it. Received another letter this year stating the same thing. Became suspicious. Contacted them, and they told me my home insurance and property taxes went down. They said on the phone " This cant be right '' Asked for a supervisor or someone from their escrow department to contact me. I have spoken to XXXX of their customer service reps, and still have not heard a word. Feel as though I am being ripped off
I turned Transunion into the fraud department of my bank for removing money out of my account monthly for approximately a year that I became aware of by signing up with online banking. Consequently, between Friday ( when my bank filed the dispute and Tuesday, my score with transunion dropped about XXXX or more points with no change in information. What can I do?
My account was closed without my consent. I was told that I was unable to use my debit card when trying to make a purchase. When I spoke with the customer service representative, she stated that Chase Bank is terminating services with me forever and my account would be closed in 10 days and that I needed to remove all funds from my account. I was not sent any written form of communication informing me of this decision. 3 weeks after I was informed of this information, my account was still opened and I had not received any written letter informing me of Chase 's decision. On XXXX XXXX, 2015 my account was overdrawn because of a transaction I disputed from XXXX in the amount of {$180.00}. Chase Bank made the decision that my dispute was not approved. I provided the confirmation number and itinerary number to Chase Bank and was still denied my dispute. On XXXX XXXX, 2015 there was a overdraft fee of {$15.00} charged to my account even though I was informed by the customer service rep to take all of my remaining funds out of my account. To this day I was never sent any written information informing me of Chase 's decision to discontinue services with me and why.
I was a defendant in a landlord tenant claim which I was found to owe money, the " order granting judgment dated XX/XX/2017 is for {$5400.00} ( which includes damages of {$5100.00}, costs {$110.00}, and attorneys fees {$150.00} ). I borrowed money from my 401k to pay this, and they sent a letter back that as of today XX/XX/2017 I owe XXXX due to interest being charged. This is a lot of interest for 2 months.
I leased a vehicle from Autotrakk in 2013. It was to be a one year lease. I never received a copy of the lease. I was told by the auto dealer that Autotrakk would send it to me. The lease is up and I made arrangements with XXXX, XXXX, XXXX and others in collections to bring the car back to the dealer. However Autotrakk sent someone to repossess the vehicle. The repo company they sent left several threatening notes on my door and breached the peace by opening my door. I notified Autotrakk and they said they would call the company they use. I finally left the vehicle at the dealershi as agreed. Autotrakk sent me a letter saying they were going to auction the car on XXXX XXXX. The whole process with Autotrakk was mostly illegal. They installed a tracking g system without my knowledge and charged me for it. What I would like to see done is for Auttotrakk to not call this a repossession on my credit report because this is what the promised. The police was called because of them breaching the peace and they came to the house. I should be able to get the vehicle back because of this breach. There are to many people at Autotrakk passing the ball. I 'm not asking for the vehicle back I am just asking for them to honour their promise to accept the car back and not list it as a repossession. The agreement was for me to pay {$28000.00} and be settled with them.If the credit department can not do this the only other thing I can do is to sue for damages for the violations. Breaching the peace. Physical and emotional. I have the threatening letters and voicemails Autotrakk left. I did not receive any certified letter regarding how to get my belongings Although XXXX XXXX said she mailed it XXXX XXXX.the person they sent out to get the car name is XXXX. 
Resolution : Autotrakk needs to pay for the violations. They can do this by working with me so I can pay the XXXX and not have it reported as a repossession.because what they did was unlawful. That is what collections promised.
On XX/XX/XXXX, I received an Assessment from the City of XXXX XXXX regarding allegedly unpaid city business taxes. I have had a business license with the City of XXXX since XXXX, but, as of the end of XXXX my business had no revenue, and thus owed no tax. My CPA wrote a letter to the City informing them of that fact and nothing further was heard, until XX/XX/XXXX, when I received a collection notice from Municipal Services Bureau of XXXX, TX, attempting to collect my " debt '' to XXXX City. On XX/XX/XXXX, being unable to reach the City Finance Office by phone, I went in person to the finance office, showed them my paperwork, and the clerk looked my case up in the computer, found I had no revenue from my business, crossed out the amount on the Assessment Notice and hand-wrote " XXXX '' and the word, " Amended '' on the notice, date-stamped and had me write on the back that I attest to the fact that my business generated no revenue. I then called MSB, explained the situation to them and was told to fax them all my paperwork, which I did on XX/XX/XXXX and received a fax confirmation notice. On XX/XX/XXXX, I received a " Second Notice '' from MSB regarding the alleged " debt. '' I called them, and spoke with a representative AND a supervisor, who advised me that I had to work the debt out with the City ; the paperwork I had sent them was, in their view, inadequate proof that the City acknowledged the debt did not exist and they refused to update their records. I called the City Finance office today, XX/XX/XXXX, and they acknowledged ( a ) I had no debt to them ; ( b ) there were no open files under my business license and ( c ) that they had notified MSB of this fact but that MSB apparently had not updated their records. MSB is  attempting to collect a non-existent debt. With each " Notice, '' the " owed amount '' increases, and a threat is made to report the matter to the various credit bureaus. 

I am attaching the original Assessment notice from the City, with the Clerk 's amendment of the amount due to {$0.00}, the statement the clerk asked me to write when I visited the finance office, the letter from my CPA acknowledging that I owed no business tax for XXXX, the First Notice from MSB, the fax and letter I sent to MSB along with the Clerk 's amendment and my statement, the fax receipt confirmation, and the Second Notice from MSB. 

As a point of clarification, the matter has been resolved with the City of XXXX XXXX and they have confirmed that THERE IS NO DEBT OWED. My complaint is with MSB, which is trying to collect a non-existent debt, despite the fact that they've been notified that there is no underlying debt to collect.
This is in regard of Complaint # XXXX. I had originally filed a complaint with you on XX/XX/XXXX about the practices of XXXX XXXX , XXXX. On XX/XX/XXXX they had started the garnishment of my wages, without my being informed of any such action. I went to court to ask for a Head of Household Exemption, but was denied. I also tried to express to the Judge about the fact that by Florida XXXXtatute77.041 ( 2 ), which states : The plaintiff must mail, by first class, a copy of the Writ of Garnishment, a copy of Motion for Writ of Garnishment, an, if the defendant is an individual, the " Notice to Defendant '' to the defendant 's last known address within 5 business days after the writ was issued, or 3 days after the writ is served on the garnishee, whichever is later. But, the Judge would not acknowledge this offense and violation by XXXX XXXX. I had sent you notification of this under the same complaint number on XX/XX/XXXX. On XX/XX/XXXX I received a notice from you, CFPB, that you had received an answer from XXXX XXXX about my complaint. I called the number given on the letter, only to be informed that I was to fax to you contact information for myself and my Spouse. I faxed this information of XX/XX/XXXX and have heard nothing further from you or XXXX XXXX , XXXX. Besides that, I am still pursuing a reparation from XXXX XXXX , LLC. for ruining my good reputation- and in fact even endangering my employment. 
Therefore, I am seeking your well appreciated services to bring this case to a satisfactory closing soon. 
Please be aware that the funds that have already been taken through the garnishment are still tied up and unavailable to me. 
Thank you kindly for your services.
XX/XX/XXXXNew Hampshire Revised Statutes Title XLVIII - CONVEYANCES AND MORTGAGES OF REALTY Chapter 478 - REGISTERS OF DEEDS Section 478:42 - Fraudulent Filings. 
Universal Citation : NH Rev Stat 478:42 ( XX/XX/XXXX) 478:42 Fraudulent Filings. 
I. A person may not knowingly present for filing or cause to be presented for filing in a registry or other public office, any type of document that fraudulently purports to be a judgment or other document to memorialize or evidence an act, order, directive, or process of creating a lien without having been authorized under state law, the Constitution, or the laws of the United States. 
II. For purposes of this section, a document or instrument that purports to create a lien on, assert a claim against, or assert an interest in, real or personal property, is presumed to be fraudulent if it : ( a ) Is not certified or ordered by a court or a judicial entity expressly created or established under the Constitution or the laws of this state or of the United States ; or ( b ) Is not a document or instrument provided for by the Constitution or the laws of this state or the United States. 
III. Nothing contained herein shall affect the validity of a mechanic 's or statutory lien created pursuant to state or federal law. 
IV. If a register of deeds or other public official believes in good faith that a document filed with the registry of deeds or other public office purports to create a lien that is fraudulent, the register or other public official shall index the document only under the signer of the document in the grantor index and shall identify the document as a notice in the document type. No other names appearing on the document shall be indexed. 
( a ) The register or other public official shall send a copy of such document to the county attorney for the county where the document was filed or to the New Hampshire attorney general 's office for review and possible prosecution. 
( b ) The county attorney or attorney general receiving a copy of a document under subparagraph ( a ) shall send a notice of the action taken under this paragraph to the person presenting or causing such filing by regular mail at his or her last known address no later than the next business day after such action. 
( c ) Any such document or instrument on file with the registry of deeds or other public office presumed to be fraudulent or deemed fraudulent as described in this section shall be considered invalid, void, and having no force or effect on any named person or persons named within the document or instrument. 
( d ) Any register of deeds or other public official acting in good faith pursuant to this chapter shall be immune from civil and criminal liability. 
V. Any person who knowingly files a document or instrument to fraudulently create a lien on real or personal property shall be guilty of a class B felony. 
Source. XX/XX/XXXX, 86:1, eff. XX/XX/XXXX.
This is an email I attempted to send Arcadia but then realized no email address listed on site. I have attempted to return your calls numerous times, the voicemail box is constantly full. The number listed on your web page is an embarrassing error on your part as it is a personal adult hotline to link males and females?! 

Anyway, had I been able to connect with a representative I would have asked for an offer in compromise. I am on XXXX XXXX XXXX with a severely limited income. Please remove the {$60.00} interest because it has proven impossible to connect with you. 

That leaves a principle of {$400.00}, I can offer {$100.00} only at this time and that will not change due to my XXXX income and outgoings which exceed it. I am about to file Chapter XXXX in which case nothing will be paid. 

Please respond ASAP as I am unable to reach you via phone. 

I will be undergoing XXXX at the end of XX/XX/XXXX and would like this resolved by then without any further interest charges. 

Thank you. 



Sent from my XXXX Sent from my XXXX