WillisBack/dataset-financial-user-claim huggingface dataset:
I had a car loan for a vehicle with Credit Concepts originated on XXXX for the amount of {$7600.00} In or around XX/XX/XXXX I asked them to come get the vehicle as I could not afford it voluntary repo, the company does not have record of Repossession date. according to the company the vehicle sold to another party for the amount of {$3700.00} and left me a balance of {$3500.00} still owing, the company never sent me any correspondence regarding balance owed however claim they did. I received a writ of garnishment, dated XX/XX/XXXX that stated I was to return the property of the lender which had already been returned, I never received notice of court hearing that i had the right to attend. i have contacted the company on several occasions to inquire about amount owed after the sale and asked for documents to be sent to me, never received any documentation. Today XX/XX/XXXX my employer was notified to garnish my wages for {$8400.00}. When I called the Company regarding why I was never notified of a court hearing I was told that it was served to a person renting a room in my home and that person signed for it, this is giving information about a debt to someone that is not me and has no connection to me, not even my spouse or personal relation to me. this notice of court hearing I never received. on my Credit report it states my balance is {$5100.00}. last payment XX/XX/XXXXcharge off date XX/XX/XXXX, and last on time payment reported on XX/XX/XXXX. Now I am being Garnished for {$8400.00} effective XX/XX/XXXX both of these amounts are higher than the balance I owed when the vehicle was sold and the company says it has continued to collect interest, however the company has made no attempts to contact me regarding this debt. and on the front of the writ of garnishment it states for that the final four of my social security number is to be printed and yet my entire social security number is printed there. When the vehicle was repossessed I contacted the company to inquire and was given no information as to how much was owed. I even recently disputed this company on my credit report because they were reporting the same debt 3 times on one bureau and one them was removed and even to this day are reporting two separate times for the same debt one says started XX/XX/XXXX closed paid in full the other says started XX/XX/XXXX closed charged off. So not only did this company fail to provide me with what I owed after the repossession sale, they also disclosed information of my debt to a third party, i was never notified of a court hearing against me so was never given an option to dispute this in court. They had a court hearing in a county that is 3 hours away from where I live, and now they are charging me well over double what my debt was after the vehicle was repossessed and sold.
XXXX XXXX XXXX for a equipment that was returned. Southwest credit systems previously tried to collect. This debt was disputed and Diacharged. I received no follow up from southwest credit system after this late XX/XX/XXXX. Received a collection call from southwest credit solution on XX/XX/XXXX
Phoenix Financial Service is inaccurate because I have never received any documentation for this bill. I have contacted the XXXX Tx XXXX XXXX, the original creditor, and am told there is no balance. I have contacted Phoenix Financial Service and was refused proper documentation to validate the debt. I am requesting this item be removed from my file to correct the information. {$1100.00}
Citimortgage holds the mortgage loan to my home. 
I defaulted, and Citi filed for foreclosure in XXXX XXXX Ohio Court of Common Pleas. 
They won. The judgement against me is under a stay, while I have worked with Citi to receive a mortgage loan modification. For 7 months I have worked with Citi for a loan modification. 
On XXXX/XXXX/2016 a Citimortgage " Homeowner Support Specialist '' told me in a recorded call that I can not have a mortgage modification because the loan is owned by XXXX XXXX XXXX XXXX and told me that " XXXX does not participate in the loan modification program. '' The Citimortgage representative told me my qualifications to receive a loan modification were never considered. 
Every document I have seen states Citimortgage owns my mortgage loan. 
Citimortgage participates in mortgage loan modification programs. 
Citimortgage is under a consent decree with the U.S. Dept. of Justice to offer assistance with distressed homeowners. 
I am a distressed homeowner. 
There is something wrong about Citimortgage 's refusal to allow me to receive a mortgage loan modification. I am employed. I am well qualified for a loan modification. 
So do they own the mortgage loan or not? 
If XXXX XXXX XXXX XXXX owns the mortgage loan on my home, why does it not say so in the public record, and how did Citi have the legal standing to sue for foreclosure? 
If XXXX XXXX XXXX does own the mortgage loan on my home, how does that stop me from receiving a mortgage loan modification? 
What Citimortgage has presented me instead of a mortgage loan modification is an impossible repayment plan for all missed mortgage payments, the ballooning finance charges, the late fees, escrow, all their attorney fees & their court costs, well over {$22000.00} and is demanding that I pay XXXX of that whole amount in XXXX lump sum, up front. 
The problem here is that to now, Citimortgage has asserted they own my mortgage loan, and now that I can qualify for a mortgage loan modification they have either A ) ginned up s pretext for denying me a mortgage loan modification or B ) committed some public fraud, claiming they own the mortgage loan when they do not.
I attended XXXX at the XXXX campus. I was there from XXXX XXXX through XXXX XXXX. As far as I knew, I had XXXX loans. A federal loan and a XXXX loan. My taxes said my lender was XXXX and all the emails I have saved for applying to my loan links to XXXX. Found out about the lawsuit/settlement against XXXX and the XXXX loans. Found out that my loan was not qualified for the forgiveness since it was not a XXXX loan. That is when I found out that Campus Student Funding owned my loan. I had never heard of them until last year. I have been trying to get a copy of my original loan contract but can not get in contact with Campus Student Funding and neither can XXXX, they now service my loan. I have also tried to contact the XXXX campus to get a copy of it and they do not have XXXX since it was done online. I believe that my loan did qualify to be forgiven or reduced.
Previous case # XXXX is on file. Company mailed me, stating debt is still owed, despite evidence shown that XXXX XXXX is responsible for ANY and ALL debts incurred by XXXX XXXX, on or before XXXX XXXX, 2015. This also hereby serves as an official cease and desist notification to this collection agency, including postal and or electronic mail, telephone communications of any kind, as well as credit reporting. The divorce decree was attached in the previous complaint. Also, 33 calendar days ago, I requested a list of any and all credits and debits of alleged debt. That honor has yet to be fulfilled, and it is beyond the 30 days of request, hereby making this attempted collection null and void, in accordance with the FCRA, and FDCPA.
Please see attachment titled : " Fraudulent Foreclosure Fees and Fraudulent Foreclosure by JP Morgan Chase against another Homeowner '' Complaint # XXXX This company continues to cause XXXX on this XXXX XXXX citizen. They refuse to remove the fraudulent foreclosure. They are now endangering my Reverse Mortgage due to the fraudulent fees they have added to my loan of over {$7000.00}. 
Please see attachment for further information on this complaint # XXXX. 
Thank you.
Citi AA CARD WAS CLOSED without my consent, after talking to citi rep they said i requested to close account but i did not & they claim to receive a third party letter on my behalf to close account & the account no. on that letter do not match with my credit card with citi & now to reopen citi wants to do a hard pull on my credit which is not acceptable as citi made error in closing my account.
After issuing a subpoena to XXXX for records relating to communications between LexisNexis and XXXX regarding the public records item US BKPT CT IL XXXX XXXX as held by LexisNexis, I received a document that proved, ( contrary to LexisNexis explicit communications to me, no less than four times. ) LexisNexis has continued to report this item willfully, again, after clearly communicating with me that LexisNexis was no longer reporting this item. PLEASE REVIEW ENCLOSURES Additionally, notice the inequitable response to me, XXXX XXXX as opposed my wife, XXXX XXXX. The case number is the same. I would love to know the why? behind this. 

On XX/XX/XXXX, I will file a lawsuit against LexisNexis for every month since XX/XX/XXXX they willfully reported this public record to XXXX after claiming to remove it from my record. LexisNexis has included in the enclosures, deceptive statements, that if they in fact practice, are in direct violation of FCRA regulations. 

As FCRA regulations make clear, XXXX can only get this information from a public records vendor. LexisNexis is the vendor of record for XXXX. LexisNexis has the duty to expedite ( 4 days per FCRA ) removal of this record factually from XXXX. 

In the interest of not wasting court time, LexisNexis may contact me by phone with a settlement offer plus court cost.
Synchrony Bank closed my JCPenney account and reduced the credit amount on my Old Navy Credit Cards due to an algorithm set up in their credit approval system. My credit history with these two credit cards was excellent at the time that the changes were made on those cards. I made on time payments and used those cards when I wanted with no problems. I embarked on business venture which affected my credit, and should not have caused Synchrony Bank to let a computer decide that I was not credit worthy for these two store credit cards. This has caused my credit score to drop to an extremely low number when I had worked very hard to get my credit to be and stay in good standing.
I have about 12 student loans because my daughters and I were in school together. So I also have Parent Plus Loans. We all graduated and we are either in deferrment or are actively paying the loans back. My oldest went to XXXX XXXX in XXXX, MA and my middle daughter went to XXXX XXXX XXXX and then XXXX XXXX. I went to XXXX XXXX  XXXX I was in EBR with Navient last year, not including the Parent Plus loans. This year recertification has to be completed I believe by XX/XX/2018. I called Navient to say I did not want this upcoming EBR to be based on my last year 's XXXX tax return as I was 1 ) working at the time and 2 ) inherited my parents ' estate.This year I worked intermittently and am now on Unemployment. I have annuities ' income from my parents ' estate which I reported to Navient a month ago, along with several other incomes including Social Security. 

I was advised by Navient representative if I didn't want to use the XXXX, I am to USPS mail the EBR application and send in all proof of income documents with it. 

This I did a month ago. Since then Navient has handled the information with lies, inaccurate feedback, withholding of information and just generally trying to make me fail the deadline. I have repeatedly responded with everything they've asked for with the exception of the XXXX, which they want but which I was told I do not have to submit. I keep uploading onto my Navient account inbox response letters and any additional documentation for which they've asked, with the exception of my response to the " requirement for gross income '' letter. The Navient Advocacy Dept. recited it to me on XX/XX/XXXX. It was dated XX/XX/XXXX but was never sent to me. Nevertheless, I sent to them proof of all gross income for everything I reported to them. They have it as of this writing. 

My income this year is much lower and I am a XXXX citizen with a XXXX adult son so I am trying to hold onto as much money as I can. 

I have done and submitted everything Navient has required but more than once I have received back a letter stating my loans are not eligible for EBR because they are Parent Plus Loans ... four of them are but nine of them are not! 

As well, when I requested EBR a year ago, I was told by Navient representative it had been passed to the Dept. of Education and sat unprocessed when in fact it was at Navient and sat unprocessed. I spent months listening to Navient 's lies to me so it could deflect my legitimate request. Finally it was processed but it was as difficult if not more so last year. 

I have sent Navient about 40 documents so I attached only one of my complaint letters, below.
Equifax refuses to report student loans as paid in full, XXXX balance. The Department of Education/XXXX granted me a discharge for XXXX on XX/XX/2016 for all my student loans, including loans with XXXX and with Department of Education/XXXX. I have sent copies of the discharge paperwork to Equifax, but Equifax refuses to remove the loans or report them as paid in full and closed with XXXX balance. This is in violation of federal law.
2016   XXXX   XXXX  fo r Target Stores, is claiming  I owe but I paid them in full
I have contacted XXXX XXXX XXXX regarding Account # XXXX & XXXX at the address listed below via certified mail on XX/XX/XXXX and XX/XX/XXXX regarding unverified invalidated inaccurate information listed on my credit file with the credit reporting agencies, I have received back a letter from this company that i have attached that list account numbers, dates and charges but nothing that indicates that i am the account holder or responsible party for these accounts and nothing showing any signature or authorization. I have demanded several times to have these inaccuracies removed by the company and by the credit reporting agencies but have not been successful. After researching the company and the debt collection guidelines in Texas ( in which i am a resident ) XXXX is not bonded with the state of Texas to collect any debt. 
Collection Agency Information XXXX Account Type Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
My mom and I received calls around XXXX XXXX   XX/XX/2018 from XXXX. My mom researched the number and found it to be a debt collector Diversified Consultant Incorporated XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX. She checked my credit report and found that on XX/XX/2018 they reported a collection in the amount of {$990.00} for XXXX XXXX opened on XX/XX/2018 mind you that's only XXXX momths. There isn't an account number associated with this fake account. I never had an XXXX XXXX account. EVER. They haven't contacted me before XX/XX/2018. Mail or anything. This is fraudulent and identity theft.
I applied and was approved for a Double Cash credit card on XX/XX/2017, but I still have not received the card in the mail. Several weeks after the approval, I received a notification that the bank received return mail. I called customer service and confirmed the address on file was correct and that another card would be expedited to me. I called again to obtain a tracking number and was informed that expedited shipping was not possible. After I made several more phone calls, and received conflicting information about the card shipping process each time, my final call was escalated to a manager/team lead. I was then told that the card was shipped via XXXX on XX/XX/XXXX, and was told that it typically takes only 5-7 days to receive the card. It has now been 14 business days since the card was supposedly shipped to me, yet I still do not have a credit card. Due to gross incompetence and deception by Citibank 's customer service, I am cheated out of both a credit inquiry AND and a credit card for which I was qualified to get.
PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS!

Experian has failed to respond to my dispute within the ( 30 ) day timeframe that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). However, it's been approximately ( 118 ) days and no response yet.
XXXX XXXX XXXX has a credit card balance on my profile that is not mine. it was a closed credit card of my relatives that i had a authorized card. however i asked that the account be closed and to take the card off my profile since i am not the master owner of the card. 
XXXX XXXX
Experian has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.
EQUIFAX CREDIT MONITORING FAMILY PLAN AND PREMIER/COMPLETE IS IS RESTRICTING ONLINE ACCESS TO MY OLD MEMEBER SINCE 2013.
Dear Sirs/Madams Re : Illegal litigation practices, using the GA court system for the purpose of intimidation, deceptive court filing to coerce consumers to pay, faulty/unsubstantiated evidence to churn out a lawsuit, violation of Dodd-Frank Wall Street Reform, violation of Consumer Protection Acts prohibition, violation of the Fair Debt Collection Practices Act, by XXXX XXXX XXXX XXXX and/or Bank of America. 


In response to the attached letter left at a relative 's address, I received a copy of the letter via e-mail, shortly after contacting Bank of America asking  again for a feasible repayment plan. 

The letter sent via CFPB, dated XX/XX/2018, contradicted the letter sent via XXXX County, dated XX/XX/2018. 


Perhaps the CFPB should make XXXX XXXX XXXX XXXX and/or Bank of America. 

pay {$3.00} XXXX to the Civil Penalty Fund. 


Again, I do not reside in the jurisdiction of XXXX County court. Furthermore I am not able to travel over there to attend the meeting, scheduled on XX/XX/2018. 



This expired debt was charged off by Bank of America ( the creditor ) and then the written-off / worthless debt was sold to XXXX XXXX XXXX XXXX ( the debt collector ). Both the creditor and its debt collector failed to properly offer me a repayment arrangement and now they also failed to properly inform me about their intention to file a lawsuit. My calls to Bank of America and XXXX XXXX XXXX XXXX get re-routed to robotic assistant, voice mailbox and then terminated. Now the collector is attempting to win by default judgment. 

I have an on-going case here in XXXX/XXXX and can not leave. Bank of America and/or XXXX XXXX XXXX XXXX are welcome to lodge their claim in a court in XXXX, XXXX. Nevertheless, XXXX/XXXX  laws require proof of failed resolutions via out-of-court communication as the first step before a proper lawsuit can be filed in a court. 


Regards XXXX XXXX
I applied for a loan modification with Wells Fargo Mortgage in XXXX. I have received no information on the status of this application since then. On Wednesday, XXXX I received a Foreclosure Notice of Sale auction to be held on XXXX. This leaves very time to deal with this, to find suitable housing and to move out of my current home ( the XXXX in Foreclosure ). I have been informed by a reputable Attorney that this is " Foreclosure Dual Tracking '' and is in violation of the Homeowner 's Bill of Rights.
XXXX XXXX Hospital starting charging my credit card that was stolen a monthly bill. It appeared after I reported my card stolen but still showed up because it was a installment amount. I disputed the charges ... 3 months in a row. All XXXX were removed and deemed unauthorized charges. XXXX was blocked from further charges and did not show proof that the debt was in fact mine. 10 months later they sold the account to a debt collector ; IC Systems XXXX, MN XXXX XXXX Account # XXXX. I contacted this company and provided documents showing that the charges were not authorized and a result of fraudulent activity. They stated that they would close the account. Several months later they reported it to my credit reports illegally.
I sent this agency two debt validation letters on two different occasions and they have failed to validate this debt.
In  XX/XX/XXXX  I filed a complaint with  XXXX  and I did n't receive a response back until back until  XX/XX/XXXX . This date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME :   XXXX   XXXX   ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate.
2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} charged off listed 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} 4. ACCOUNT NAME :   XXXX   XXXX   XXXX   ACC BAL : {$73.00} I 5. ACCOUNT NAME   XXXX   XXXX   XXXX   ACC {$0.00} NUM :  XXXX  6.ACCOUNT NAME   XXXX   XXXX   ACC BAL : {$2500.00}
XXXX XXXX XXXX, and XXXX companies both these companies made my credit inquiries on the same day XXXX/XXXX/2016 without my authority. 

XXXX XXXX XXXX also made a credit inquiry on me without my authority.
I had applied for Lowes Credit card via online. I had infact used this card in the store also. Later due to some issues either I misplaced my card or just lost it. I asked Lowes to send me a replacement card - is it a big deal. Since then I am going thru all sort of troubles ... rather than sending me a replacement card ... they troubled me like anything. 
Finally i got this letter that they had closed my account - why???? I have no idea? 

Does n't this Lowes or XXXX XXXX are aware of the fact that obtaining a credit card incurr hard inquiry on someone 's credit history?? Is it a joke to close the account unless somebody ask or agree for that? And please do n't make excuses for some useless fine terms.
On XX/XX/XXXX I received a email notification from XXXX that my credit score decreased. I signed in to my account to find SCA Collections had reported I owed XXXX and it decrease my score by 63 points. It said the original credit was XXXX XXXX XXXX XXXX from XX/XX/XXXX. Since I have never heard of either company and have never received any bill or any communication at all from either company I am assuming that this may be a scam or fraud and I am to scared to call and give them any more of my information. I have never not paid any bill in my entire life and have never had a collection on my account. This has done a lot of damage to me. The company 's information listed is SCA Collections, XXXX. XXXX XXXX, XXXX, NC XXXX. Phone number listed XXXX. The original creditor is listed as XXXX XXXX XXXX XXXX but I am unable to find the correct information to contact them. I have also disputed the charge with XXXX. Thank you for your help! I do n't have any documents to attach because I have never been contacted by either company and have never heard of either of them.
I recently received a new phone number, which I think has been recycled from someone else. I continuously get automated 'debt collection ' messages from them, one, sometimes two a day. I have blocked the numbers, but, of course, they keep changing it. Whatever debt they are trying to collect, I 'm the wrong person and they need to stop, but as it seems to be a fully automated system, there 's no way I can get them to. The company comes up as " Hunter Warfield '' and the last number they used was ( XXXX ) XXXX.