WillisBack/dataset-financial-user-claim huggingface dataset:
I filed Chapter XXXX on XX/XX/XXXX. My payment plan was for 60 months with 100 percent payback, which I have completed and complied with the court system. My Transunion credit report, as of XX/XX/XXXX, still does not reflect the " status '' of the chapter XXXX case. It 's been a little over 69 months since the chapter XXXX was filed. The Bankruptcy Law states a chapter XXXX time period is between 36 and 60 months. My Transunion report should have either a discharge status, dismissed status, or closed status. It 's been a little over 9 months since the bankruptcy 's time limit. Nine months is outside the time frame of reporting the " status " in a timely manner.
Harris and Harris called me two times, claiming I owe the Arizona Department of Revenue money, but they wo n't tell me why I owe them money or show me the paper trail of the debt. They refuse to send me all the documentation that supports this claim. They also claim that the Fair Debt Collection Practice Act does n't apply to them.
Me and my wife leased vehicles back in XX/XX/XXXX both XX/XX/XXXX 's. The lease was up last year in XX/XX/XXXX, and we decided to purchase the vehicles. XXXX sent us paperwork that was wrong on several occasion. We thought things were fine until we got a letter from Ally stating we needed to pay a registration fee. The problem with that is the customer is never supposed to pay anything, except tag renewal and the monthly note. We received a late renewal from the XXXX in which we had to pay XXXX including late fees. We contacted Ally in XX/XX/XXXX of this year, and they gave us the run around concerning management. So we finally got Supervisor/Relocation/Title Transfer person named '' XXXX ''. She informed us she would check in to the matter and get back to us, we thought is as taken care of. I got sick and had major XXXX in XX/XX/XXXX in which I almost XXXX, and my wife got another letter from Ally taking about registration. My wife emailed XXXX in XX/XX/XXXX only to never hear anything from her, and we have not received anything from the XXXX in the mail about out vehicle registration. When I tried going online to renew bot vehicles they stated they were not found and application in process. Our tags expired in XX/XX/XXXX, and we have been dealing with me getting well from my XXXX. I do not have the money to pay big late fees in XXXX, we have the emails we will attach .We have never been late and always been on time with our payments.
One of XXXX XXXX XXXX credit card debt collectors keeps calling me after i told them like 2 or 3 times to stop calling me. I even told them that its harrassment to continue calling me. I disputed back around XX/XX/XXXX because i didn't authorize it and someone took it out in my name without me knowing about it. It was approximately taken out in my name around XX/XX/XXXX i think guessing and its over 10 years old the debt. I told them i ain't paying it either and they can't go after me since its over 7 years old. I would like them to stop calling me repeatedly harrassing me for the {$900.00} something debt owed since its been disputed and its over 10 years old. Im not going to pay them because i didn't authorize it. I want to be left alone and not contacted again by them.
I believe that my personal information on XXXX, Transunion and XXXX was used to obtain credit in my name or they are reporting someone else 's information on my credit reports. I have requested ( 3 times ) physical proof that they have on file for the creditors claims and they have not as of yet supplied me any proof of the specified items as being verified as being mine nor how they got the information to report them to my credit files.
G.E. Retail Bank place in collections # XXXX an amount that was already settled. See attached documents. Sloppy and erroneous credit reporting prevented me from obtainingthe credit score needed to refinance my home.
I experienced several problems while doing business with Commerce Bank over the past few months. 

1 ) I was not able to access my full account number online, or over the phone. I was informed that the ONLY way to access my full account number was to visit one of their branches, which are located in a small part of the USA, near XXXX XXXX. I was and am still out of state and unable to visit a local branch, and therefore, could not use the bank 's services. My access to my funds in the checking account was limited due to my inability to gain access to my full account number - the bank 's website only provides the last 4 digits of the account number. This hindered my ability to pay bills on time, resulting in negative financial consequences for me and my family. 

2 ) I was limited to sending only {$250.00} at a time using ACH, which hindered me from withdrawing my money from this checking account for an extended period of time. At this time, I had already decided to stop using Commerce bank for my banking needs, and intended to withdraw my money from the account. 

3 ) I was unable to withdraw the final {$100.00} from my checking account via ACH. I spoke with a Commerce Bank CSR, who informed me that to close my account and access my money, I would have to have a {$0.00} balance in my account. Withdrawing my money in person was NOT an option as I 'm out of state, and it was NOT an option via ACH. Thus, not knowing what else to do, and wanting to end my banking relationship with Commerce Bank and withdraw my money, I did n't see any other way of withdrawing my money other than using my debit card for a purchase I did not need. Withdrawing the money at an ATM would have resulted in fees and not being able to withdraw my account to {$0.00}, as ATM machines can not dispense XXXX cents, and thus I would not be able to bring my balance down to {$0.00} in order to close my account. I ended up purchasing an  XXXX gift card on XXXX in the amount of {$100.00} in order to bring my balance down to {$0.00}. 

During my relationship with Commerce Bank, I felt my money was trapped and illegally held by Commerce Bank, and my access to my money restricted by the bank 's rules. This has resulted in negative financial consequences for me and my family, and thus, I would like this matter looked into, and Commerce Bank 's practices investigated in order for this to never happen to any other person.
XXXX and Trans Union have refused to remove my tax liens in accordance with NCAP guidelines. Attached documents show that the tax liens reporting on my credit reports do not conform to new guidelines. All tax liens should be removed. 

1. The minimum reporting information is not consistent with new guidelines. It is showing my former name, incomplete address and incomplete social security number as well as no birth date.
2. Minimum courthouse visits to obtain newly filed and updated public records of at least every 90 days was not completed as required. 

Furthermore, these credit bureaus have my former name and address listed on them. I have been XXXX XXXX XXXX since XX/XX/2015. I will need my name updated. I would also like to make sure they are listing my employer and address as up to date as well. 
Employer : XXXX XXXX XXXX XXXX Home Address : XXXX XXXX XXXX XXXX, XXXX, KS XXXX
I have a large amount of outstanding student loan debt and being the first in my family to graduate from a four year university, I was completely not prepared for what I was in store for. Fresh out of college and being bombarded with delinquency calls when I did n't even have a full time job, I was overwhelmed. My father made 3 different payments of {$9500.00} and come to find out years later, they applied the payments as regular monthly payments which went completely to interest and not a cent to principle. I was n't made aware of this until years later when I ran out of forbearance options and they would not accept what I was offering them monthly. As a result they ended up charging off XXXX of the loans and the allowing me to enter into a repayment plan paying the same amount I was originally offered before they charged this off on my credit. I just feel as though they took me for a ride and paying the ultimate consequence because I was not properly Informed. They destroyed my credit only for me to make the same payments I told them was affordable from the beginning but was not good enough.
TITLE MAX ( Company complaint is against ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Office # XXXX XXXX : TITLE LOAN ACCT. # XXXX To whom it may concern : My name is XXXX XXXX and I currently have an account that is in default with Title Max. They wish to settle the matter by payment of principal {$2500.00} plus compunded interest, which will be issued towards closing the account, and all further matters that relate to monies owed, whether principal or interest, and interest of ownership in the title and motor vehicle used to secure the loan. I understand that they are attempting to claim mostly principal with some interest, and maybe even some filing fees and document preparation. However, I recently spent time in XXXX XXXX and noticed that all their interest rates where no more than 7 % for the same motor vehicle title loans. I looked into the California Loan Usury laws, which brings the 14 % interest into question that my agreement with Title Max has set for an interest rate. I was unaware of the Law as the agreement only detailed a following : California Finance Lenders Law Div. 9 sec.2, and sec. 5 of the Federal Arbitration Act. Under California interest rate laws and Usury laws set the Legal Maximum Rate of Interest Loan/forbearance of any money, goods, or things in action, or accounts after demand-7 % or contract rate ( Cal.Const. XV 1 ) contract rate shall not exceed 12 % ( Cal.Civil Code 1916-1 ). Penalty for Usury ( Unlawful Interest Rate ) Contract or agreement for greater than 12 % shall be null and void as to any agreement to pay interest ( Civil Code 1916-2 ) ; debtor may recover treble amount paid ; willful violation-guilty of loan-sharking, a felony and punishable by imprisonment in state prison for not more than 5 yrs. or county jail for not more than 1 yr. ( Cal.Civil Code 1916-3 ). Interest Rates on Judgments set by legislature at not over 10 % rate ; in absence of setting of such rate, rate of interest is 7 % ( Const. Art. XV 1 ). I believe that this loan agreement should be viod due to the unlawful amounts set within the agreement, that violate Claifornia Interest Rate Laws and California Usury Laws. These type loan have been ruled in Nevada Courts as null & void, with Title Max being ordered to repay the borrowers. I feel this is a simular situation that need to be looked into and addressed. <P/>Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX email : XXXXXXXXXXXX Phine : (  XXXX ) XXXX
I suspended XXXX ... now XXXX service billed at my father 's house untill futher notice/ my authorization to return cable service. XXXX XXXX proceeded to turn on the service without authorization and while no one was living in the residence.. The charge was tranferred to me as the personal representative for his estate. 

I am being negatively impacted by a company called FOCUS RECEIVABLES MGMT LLC. They filed negative and false info affecting my credit score and purchasing power. 

Is ther any thing can do to fight this BOGUS claim?
i disputed with the credit bureau as well as with the creditor and the credit bureau responded with a letter stating the accounts was verified. I counter responded back asking for proof of verification and validation. No other response has been giving nor any documentation. I 'm assuming that there verification was someone looking at a computer and saying this is my account which is unacceptable. It has now been well over XXXX days and the issue has not been resolved.
Purchased and financed a XXXX Harley Davidson Ultra Classic Glide, Purchased around XXXX 2012 from XXXX XXXX XXXX XXXX NC. The day of the purchase I was told they we 're throwing in for free a tire and wheel warranty. After rushing me to sign everything they handed me the key and tag and said I was good to go. But they failed to give me copies of all the financial documents, I ask for them and they said they would mail me my copies. By law they suppose to give me copies on the spot before leaving but that did n't happen. I received the documents in the mail three days later, after reviewing the free tire and wheel warranty was n't free and instead they charged and added it to the financing at a cost of {$2000.00}. I called them and complained they said I need to call the finance company Harley Davidson Financial Services, So I did. The finance company said I can cancel the {$2000.00} warranty and they would give me a refund credit on the end of the loan. So the {$2000.00} would come off the end of the loan. But they never gave me credit, so I hired an Attorney and he contacted the Finance Company who  than supposedly gave me credit off the end of the loan. also had a licensed accountant review all the financial documents, he told me they took my payment but added my interest back which they did n't suppose to do. Also if they would have added the refund at the end of the loan it would have made my monthly payments, Interest ETC less per month but everything stayed the same. The last couple of years I have been paying the principal because I have already paid all the interest that was owed. I contacted the finance company to get my payoff, my payoff should be {$1800.00} but they are saying I owe {$3800.00} which they said is interest. In other words they never gave me credit nor did they take off the {$2000.00} for the tire warranty if so the payoff would be {$1800.00} or less.
On  X/XX/2017  I purchas  ed 2 ticket s on  XXXX  with my  American Express   XXXX   XXXX   XXXX . On  XX/XX/XXXX  I called  XXXX  to cancel the tickets, as there was a family emergency- my grandfather had fallen and required around the clock care. I was told there would be a {$200.00} charge per ticket for cancellation.     I then calle d American Express to see if there were any additional cancellation benefits or policies I was  eligible for as a cardmember. I was told that I should dispute the charge- and so I did so.     I noticed on   X/XX/17   that the charges were credited back to my account. At that time, I engaged in a " chat '' conversation with "  XXXX  '' from  American Express  who advised me that the dispute was resolved and that I was not responsible for the cost of the flights. He stated verbatim, " Great and I have an excellent news here. I will share the details of the email sent to you. He then went on to copy and paste an email sent to me.     I reiterated by stating  " Perfect!  So it is complete, and I was refunded? '' He said " yes, I will resend the emails as well. It will reflect on your upcoming statement.     I then received the email confirming it. Nowhere in my conversation with  XXXX , or on the email received did it state that  XXXX  could still respond to the dispute and I would possibly be responsible for the cost of the airline tickets.     I received my latest  XXXX  statement recently and saw that the charges were back on the account. I called today to inquire and was told that  XXXX  had responded and I am now responsible for the charges. This would have been fine, had I not been told in writing TWICE that the dispute was resolved and I would not be responsible.      American Express fa iled to adequately advise me of the process and provided inaccurate information stating the dispute was resolved when it in fact was not.     I spoke with "  XXXX  '' a supervisor with  American Express toda y- he apologized for the failure but was unwilling to assist in resolving this.     I should not be responsible for these charges, as I was informed in writing that the dispute was in fact resolved.
Equifax , XXXX and XXXX are reporting an account that does not belong to me from New York Federal Court. I sent a letter ( image is attached ) to the data furnisher that has been returned as undeliverable. 
The reported information is inaccurate & needs to be removed. Here is proof the information reported is wrong by the returned addressed envelope.
Between XXXX and XXXX, I suffered a series of hardships. I was laid off XXXX times due to downsizing, then in XXXX, I was diagnosed with a XXXX XXXX. I had surgery and it took over a year to recover and be able to go back into the workforce. 
Commencing in XXXX, I entered into the process of loan modification negotiations with XXXX XXXX XXXX. Shortly after the process began, XXXX XXXX XXXX informed me that they had switched to Nationstar as their servicer and I was forced to submit all the paperwork over again. I then went for monthly modification negotiation meetings at Court and made the timely payments required. This process continued up until XXXX XXXX, when XXXX XXXX XXXX withdrew their foreclosure action. 
The next day, I received XXXX Certified letters from Nationstar saying that I was delinquent in my payments and that Nationstar was starting foreclosure actions against me. Impossible! 
My nightmare had only just begun. 
I noticed that I was not getting any other physical mail from Nationstar. Nationstar never sent me or my attorney any statements or other documentation confirming the payments I had been making. Also, my attorney was and is supposed to be copied on all correspondence from Nationstar and Nationstar has not done so. I had to go on-line to their website to get my statements and information. 
Upon viewing my account information on line, I found XXXX more letters ( which neither I nor my attorney ever received in the mail ) saying that my payments were only partial andNationstar was keeping my account in " suspense '' pending full payment. What does this mean? Now, Nationstar claims that I owe them about {$8000.00} more due to fees and interest. 
Nationstar escrowed my taxes AFTER we agreed on a loan modification, making my monthly payment {$500.00} more per month! This was not a part of the terms of my loan modification! 
I am a homeowner who wants to pay my mortgage, but even as an honest hard working individual, it is impossible to keep up with the alleged " fees '' that Nationstar keeps adding on without cause. None of these " fees '' were reflected in my loan modification, nor was any of this discussed in the loan modification negotiations with the representative from XXXX XXXX XXXX at the pre-foreclosure meetings in Court. 
I can not refinance because Nationstar consistently keeps reporting me late even though my mortgage loan has been modified and I have been making timely payments. Nationstar has also threatened to put this on my credit report, thereby making it impossible for me to ever get out of this twisted situation and ensuring that I have no future. 
It took me 10 years to save up enough money to put a down payment on my home. For the past twelve ( 12 ) years, I have been paying for my home and maintaining my home and Nationstar wants to take my home away from me even though I have complied and cooperated completely! 
I am a hard working professional and I will not walk away from my home! I have done NOTHING to deserve this and I intend to bring these unlawful practices by Nationstar to an end!
I have had a checking account at Citizens Bank for many years. In the past year the statements are not correct. Last winter I spoke to XXXX different service reps and they could not help. More recently I spoke to another service rep who started to help and then said it was too much work. Lastly I met with a rep who after spending considerable time with me borrowed my ledgers for several days and then said after going over the bank figures and my figures could not find the mistake. There is a difference of about {$200.00} in their favor. I can not close the account until a lot of checks clear or until this difference is settled. Meanwhile I will not do any more business with them. I have opened an account with another bank but I need to take the money out of Citizens.
Discover card decreased my credit line without my knowledge and before the full reporting cycle of TransUnion, the credit bureau, in which I was informed, by Discover Customer Service Rep, XXXX, on XXXX/XXXX/15, that Discover used to decrease my credit limit. I contacted Discover on XXXX/XXXX/15, after logging into my account and saw my available credit had tremendously decreased from an available amount of approximately {$1300.00} to {$200.00}, which was alarming because I had not used the card in weeks, since making a payment of {$1200.00} to the account. I was informed by XXXX that a credit card utilization review of my account had been completed, based on information from XXXX, and it was decided to decrease my limit from the {$5200.00} to {$4000.00}. Be advised, Discover, without my request or knowledge had just recently increased my credit limit to the {$5200.00} from the original limit of {$4500.00}. I contacted XXXX and was informed that the full cycle has not yet cycled on my report, as the lastest creditor reporting was XXXX/XXXX/15, which meant that said creditors may not report again, until after 30 days. I have consistently and timely, made my monthly payments, often times, more than the monthly payment amount, with this company. I do n't think it is fair to me, the consumer, who has been nothing, but exemplary in my payment history to have my credit limit, first increased, then decreased further than my original limit without any telephone contact, not the letter that I was informed I would be receiving, but to date have not. Had Discover taken the time to communicate with me, by phone, before making such a drastic decision that will further impact the same credit card utilization in which they are basing their decision, they would have been advised and provided proof, upon their request, that in XX/XX/XXXX, specifically XX/XX/2015, I paid off a {$6000.00}, credit line with XXXX XXXX, a {$7000.00} personal loan with XXXX XXXX, a {$500.00} line of credit with XXXX XXXX XXXX XXXX ( XXXX ), ( formerly XXXX XXXX XXXX XXXX ), a {$6000.00} personal loan with XXXX, paid off my credit cards with XXXX XXXX and XXXX, all, which have not yet reported for XX/XX/XXXX.
An attempt to verify the debt or amount owe was made and the amount sought was verified by the debtor ( University of XXXX ) and third party ( Reliant Capital Solutions ) as accurate on XX/XX/2018 in the amount of {$13000.00}. 

The debtor has refused to discharge, and/ or delete the account information, including credit inquiry, and/ or cease collection of the account by way of third party. Both companies are in violation of the Fair Debt Collection and Fair Credit Reporting Act 's under federal law for violation of consumer credit rights.
Theres a collection on my credit report, the balance was paid in full by me to XXXX  office and was an insurance mistake, Im requesting this derogatory mark to be deleted asap because it wasn't my fault. I got a copy of receipt of the amount that was paid in full.
Am receiving multiple phone calls from a collection agency looking for someone with my last name, but not my first, for a debt that is not mine. The person they are looking for has never been listed in my address, nor phone number.