WillisBack/dataset-financial-user-claim huggingface dataset:
Thursday XXXX/XXXX/2016 I received a call from a number listed as my local court house. XXXX. I was told that I was being sued and needed to be served my papers for court the following day at my place of home. She asked me for my current address, and I gave it to her thinking it was for a legal matter. I asked the lady who was suing me and she stated she was n't sure the documents were sealed. She stressed the documents did have a mediation stamp and that means I can contact the attorney and settle before XXXX that day and not be served. She gave me the number to the supposed attorney whom I contacted immediately at XXXX And a gentleman answered the phone and I told him who I was he pulled me right up and explained my debt of {$680.00} that I could make in payments of half then and half in XXXX to settle outside of court. I explained I was just getting back from maternity leave and would only be able to make payment of XXXX and the remaining on the XXXX and XXXX of XXXX. He then transferred me to the payment center and a lady took my payment, She explained she would go ahead and send me receipt to my email immediately after. I waited and never got a receipt finally wrote and called the number back Friday and Saturday and was told they would get it to me as soon as possible. I finally got the receipt and noticed they had my current address, which no one has except the lady that called from the " court house '' so I got to thinking I wonder how they got my updated address. I decided to contact the court house this morning at XXXX and make sure everything was settled. I was informed by the representative from the justice of the peace that I never had a case against me and they would never even call me before they serve. So I have caught this company in a lie. They represented their selves with a legit phone number saying they were the court house in my county. So I am highly upset and will be filing complaints with everyone I can.
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
I had a Medical Bill on my Credit report that should have been paid by my insurance. I disputed it with all three credit bureaus and XXXX and XXXX took care of it right away through a free service. Experian forced me to pay for their service to get access to the info and then after a long period of dispute refused to remove it from my credit. This is frightening to know that I can be held hostage by a company like this. Side note Experian offers a 1 week free service and conveniently waited till the day after I had to pay to give me my results. End of the day I need to get this of my credit as my bank uses Experian.
I was in the hospital XXXX of 2014. I received XXXX statement from the hospital. I called the hospital to make them aware I had no insurance and they understood. In XX/XX/XXXX I was accepted for XXXX Assistance. A social worker contacted me and made me aware all previous medical bills will be taken care of up to XXXX months. I gave all information for hospital bill and the woman said it will all be covered. I never again received a statement from the hospital and never received a collection letter or pre list letter. I am very upset and would like this resolved.
In XX/XX/2014, a default judgement was entered against me by Weltman, Weinberg & Reis Co. LPA. I called them and immediately set up monthly payments to pay off the judgement. I made all of these montly payments and then didn't hear from them again until now - 4 years later! Now, they say that I owe an additional {$290.00} and have garnished my wages in order to get it! I have NO idea where this additional amount came from or why on earth they waited FOUR years to come after me yet again! I called them and spoke to 2 different people and nobody seems to have their dates/amounts right at all! This seems HIGHLY suspect, bordering on illegal!
I have a " Promotional Advance Savings '' account at HSBC Bank. HSBC has just announced that they are going to change the statement frequency on this account to quarterly instead of monthly, also implying that they will change the posting of interest accrued to quarterly instead of monthly. This arbitrary and unilateral action is unfair to customers, who depend on receiving their interest postings monthly as originally agreed to when the account was opened. I do n't care if they change the statement frequency for new accounts from this date forward, but I think it is unsat for them to arbitrarily and unilaterally change this important account parameter for existing accounts.
Synchrony Bank, with offices in New Jersey, held onto my matured CD for XXXX calendar days past the maturity ( XXXX/XXXX/15 ), even though I had notified them on XXXX/XXXX/15 that I wanted to cash out and have the funds sent by ACH transfer to my local bank, which they had on record. On the maturity date ( XXXX/XXXX/15 ), I again called to make sure that their " back office '' was paying attention to this order. I was told at that time that the " back office '' would not even begin to process the cash-out until the NEXT business day which was XXXX/XXXX/15. I called again on XXXX/XXXX/15 and was told that the request was " in process ''. I called again on XXXX/XXXX/15, as the funds had not been received AND my CD showed as renewed on their website. I asked to speak to a " supervisor '' on this call. After a few minutes on hold, the " supervisor '' came on the line and said that she had just spoken with the " back office '' about my case and that the funds would be ACH 'd out that day and in my bank " tomorrow '', XXXX/XXXX/15. I questioned her closely about the " tomorrow '' promise, as I had experience with their ACH process in the past and I would expect NOT " tomorrow '' but the next business day, XXXX/XXXX/15. The " supervisor '' doubled down on the " tomorrow '' promise. When I asked if that was her story, her answer was " that 's my story. '' Of course, she was WRONG, either lying or ignorant of their ACH process. I 've set up many ACH debits and credits in my business career. The batch date, transmission, date, and effective date are all in play, with the effective date as the date it 's hits the other bank account. This date can be set for the next day or even the next week. This is what these guys do to further delay the funds leaving their account. Also, if their transmission is too late in the day, then the actual effective date can not be the next day, simply because of the late transmission. The funds hit my account on XXXX/XXXX/15, as I had predicted while talking to the " supervisor ''. My CD still showed as renewed on their website until XXXX/XXXX/15, which was the ACTUAL DATE that they closed out the CD - XXXX days past its maturity. A brick-and-mortar bank must be prepared to cash out a matured CD on its maturity date. These guys do n't even think about it until the NEXT business day and they do n't actually do it for XXXX MORE days. If I had asked to cash-out XXXX days EARLY, they would have levied as substantial penalty on the pre-mature withdrawal. There are opportunity costs incurred by the customer ( me ) due to this bunch holding on to the funds after the maturity date, but they incur no penalty because they already have my money and will release it when they please. I suspect that all that I have described is part of their actual policy, not simply " bad luck '', since I was told about next business day processing and then repeatedly told that it was " in process '' when it was NOT. I have actual names given to me on each call to them and they supposedly record each call.
After review my Equifax report, I decided to write XXXX XXXX to get a debt validation. My original letter was sent to this organization on XX/XX/XXXX by  certified mail. I received a verification of receipt on XX/XX/XXXX ( see attachment ). However, I never received any response regarding my debt validation. The company never contacted Equifax and placed a notice of dispute on my account within 30 days of my dispute from their receipt on XX/XX/XXXX. This is in violation of the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

The listed trade line of XXXX XXXX is also in willful noncompliance as of FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies as well. Since I have evidence of such violation per attached certified mail receipt, I request that this tradeline be removed from my credit report.
Due to financial difficulties as a single mother, I had asked for a forbearance on my student loans years ago and was told ok. This was many years ago, I ca n't remember what year - XXXX, maybe. I had not heard anything from any agency. No one called my work or home. Now it 's XXXX, two weeks ago, XXXX XXXX started calling my employer about a wage garnishment. They were harassing me at work. I had no idea XXXX XXXX had my student loan. I thought it was a scam. Last week, I called the US Dept of Education and they could only tell me my student loan had been transferred to XXXX. They could n't tell me anything else about my loan. I never received any paperwork to that effect. I called the XXXX and was told my student loan was in default and had been taken for collection by XXXX XXXX. I never received any paperwork notifying me or giving me the chance to make payments on my loan. Now XXXX XXXX is garnishing my wages with an amount that I can not afford to pay. XXXX XXXX was rude and threatening and called continuously at my employer. I also felt that they gave out private information to my employer that they should not have done.
Arnold Scott Harris, attorney at law, issued a letter via USPS mail that I owe XXXX. The amount due for payment does not match the total amount balance in the description in the bottom of the page. They also claim to be an attorney or is communicated by an attorney ; threaten that my property and XXXX from bank account would be seized. It does not even say I can dispute this bill and that paying this debt could stop collection activity. This bill is fraud and should be vacated. I would like other payments made to Arnold Scott Harris to be investigated for the legitimacy of the bills.
Global recovery group calls several times a day, usually repeatedly in a row. They also leave threatening messages about finding out where I work and coming to my house. I have requested an address for debt validation and the man who calls me refuses to give me an address. I have asked repeatedly for a letter to be sent to my house and the caller refuses. He emailed me a letter even though I requested something in writing more than once. The letter says the company is global recovery group and also says the current creditor is XXXX XXXX XXXX. So I have no real information on who I 'm suppose to respond to. The call wo n't tell me his last name. The messages I receive are from a woman named XXXX who states I 'm going to be served with a claim at home or at work. Still, all requests for written communication or an address to send a certified letter are refused. They continue to call my husband and my parents house after I requested them to stop
Ocwen loan is a servicer for XXXX and has not offered an affordable modification under the HAMP, as requested. The Office of Comptroller of Currency entered a consent order against XXXX and ordered them to offer modifications that benefit the consumer, under Article IV of AMENDMENT TO XXXX XXXX, XXXX CONSENT ORDER. The company was order and given credit for loan forgiveness when the loans were considered under water. Currently the home is worth $ XXXX and Ocwen pursued to collect a debt upwards of $ XXXX more than the original agreement. I sought to discharge this debt according to 12 USC 95 ( a ) 2 and sent Ocwen payment on XXXX XXXX XXXX. My home is still being foreclosed although the laws of the United States states that the debt was to be XXXX when relying on 12 USC 95 ( a ) 2. The payment has not been returned, and there has been no attempts to offer me an affordable modification. Ocwen nor XXXX were original lenders or part of the original mortgage. I am left with no remedy although I am an XXXX. The corporations are threatening to remove a XXXX, although I relied upon the laws of the United States for remedy.
I had a Citibank card that was used and paid on time until we had a fraud issue with our bank account. This caused a delay in payment that was communicated to Citibank. I was told by Citibank that they would not report to the credit bureau, but in fact they did. That report brought my credit down significantly and I would like it reversed. I am going through a divorce and need my credit to be in shape in order for me to be approved for a home loan that will issue me and my children a way to stay in our community. Any help with this matter would be sincerely appreciated.
I have repeatedly disputed XXXX XXXX XXXX XXXX tradelines that have appeared on my credit report for years as not my account. I have requested XXXX to investigate and verify directly and successfully sued them XXXX for violations of FDCPA ; each time XXXX paying me {$1000.00} for the violation but they continue to report these tradelines. XXXX has continually refused to remove and has confirmed they have XXXX documentation supporting these are my accounts but rather only that these accounts are on their books. I have served the credit reporting agencies written and online disputes and they continue to allow XXXX to report these fraudulent accounts.
Trans Union have 3 listed unauthorized inquiries that is hindering my credit file. These fraudulent inaccuracies need to be deleted immediately.
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$140000.00} OPEN {$140000.00} XXXX $ XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$76000.00} OPEN {$60000.00} XXXX $ XXXX {$60000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX
I have an unverified account from Portfolio Recovery Associates , LLC. I had previously disputed this account. I have never done business with Portfolio Recovery Associates , LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt that Portfolio Recovery Associates , LLC claims that I owe. I requested that Portfolio Recovery Associates , LLC provide verification of the following : 1. The ORIGINAL Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether they purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I requested that Portfolio Recovery Associates , LLC Cease and Desist all further communications and collection actives and provide the verification of this supposed debt. I demanded that Portfolio Recovery Associates , LLC remove any and all Tradelines that are reporting on my credit report with XXXX. Their response? They reported it to all XXXX credit bureaus. I 've sent them numerous letters and I 've called them several times. They claim they sent me a dispute affidavit but I never received one. I am extremely frustrated and upset dealing with them as I have been dealing with them for over a year. They are damaging my reputation and preventing me from buying a home considering my credit score is damaged. I have provided a copy of the latest letter that I sent them which they did not comply with as well. The letter I sent them was notarized and I have XXXX other notarized copies if i need to pursue this in court.
My Father XXXX XXXX in XX/XX/2018 leaving me as a beneficiary on his Traditional IRA. After multiple attempts at going into the branch to attempt some instruction on how to obtain the money I was finally told that the IRA deptartment would be sending me further instructions in XX/XX/2018 XXXX the people at the branch wouldnt let me talk to the IRA dept, nor would they give me any information whatsoever ). I received a letter from Bank of America a few weeks later stating we are unable to process your transaction at this time. This left me baffled as I wasnt trying to process anything, I was waiting on instructions from the IRA dept. So I called the number listed and after having to transfer to the fraud dept to even get a real person to ask a question to, found out the IRA dept. didnt work weekends even though the paper they sent me had weekend hours. I was told they decided to change their hours but failed to update their correspondence! I called back Monday, XX/XX/2018 and talked to XXXX XXXX who advised me I had to open my own money market IRA BEFORE they could release the funds to me that were left to ME as a beneficiary. He completed this over the phone and advised me he had also completed the beneficiary disbursement form that needed to be done in order for the money to transfer. He advised it would be about 14 business days and I should receive a check with my disbursement. As of XX/XX/2018 I still had not received a check so I called again and was advised the beneficiary disbursement form was never filled out or it was lost, so the money was never transferred into my account at all. Still waiting on a call back from a supervisor as to what happened now that I have waited over a month while they hold MY FUNDS hostage because they havent done what they said they were going to do on multiple occasions. This company has XXXX XXXX and lied every single time I have been in contact with them and none of their employees understand how any of this process works. I am absolutely appalled at how I have been treated through this whole process especially after losing my Father.
XX/XX/XXXX we received a supplemental property tax bill from the county ( XXXX County, California ) tax collector. We called customer care at our mortgage company, Franklin American, and the rep we spoke to said to fax them the bill and they would pay it out of the escrow account funds. We faxed it to the rep at ( XXXX ) XXXX, which we subsequently learned was the fax number for that representative and not a general company fax number. This supports our contention that the conversation took place, because we would n't have had that number otherwise. 

Anyway, we assumed that the bill would be paid as they promised, but in XXXX, XXXX we received a notice from the county that the bill had never been paid and was delinquent, and furthermore that we had incurred a late penalty. So we called Franklin American again, and got a totally clueless rep who had no idea what was going on. After several more fruitless phone calls ( and hours spent on hold ) my wife was finally told on XXXX XXXX by a rep named XXXX that a refund check for {$990.00} had supposedly been mailed on XXXX XXXX, which was after the late fee had already been assessed, and to be perfectly honest, I do n't know if they ever really sent it. They had promised to pay the bill last XX/XX/XXXX, and did n't do it, and have made multiple promises to us since then, none of which they 've honored. We have a secure locking mailbox that cost over {$200.00}, so it 's extremely unlikely that any check from them or anyone else was stolen. XXXX also told her that their research department was supposedly working on reimbursing me for the late penalty XXXX {$37.00} ) and that it would take 10 days. We 've heard nothing about that since, either. 

My wife told me what XXXX had told her and asked me if I ever saw the refund check. I told her I had n't, and would certainly remember a check that large. On XXXX XXXX my wife called back and spoke with a rep named XXXX, and told him we never received the refund check. He requested a new one. He also requested for it to be sent by overnight mail. He said it should take less than a week to get it to us. 

A week later, on XXXX XXXX, still no refund check. My wife called yet again and spoke with multiple people - XXXX & XXXX in customer service, and then XXXX the supervisor about 45 minutes later. End result of that series of conversations was that the check had been cut, but had not been overnighted and instead was being sent regular mail, and was supposed to arrive by XX/XX/XXXX or XX/XX/XXXX at the latest. Our escrow balance was {$1300.00}, an amount which reflected the {$990.00} refund already being taken out. 

Anyway, It is now late on the evening of XXXX XXXX, and we still do n't have the refund check that was to have arrived by last week at the latest. In less than 2 weeks the second installment on our supplemental property tax bill will be delinquent as well if I do n't pay it. I need to come up with {$610.00} by XXXX XXXX, and Franklin American is still sitting on almost a thousand dollars of my money and playing games with me. 

I have attached a copy of the delinquent tax bill.