WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016 my Compass Bank account administered by Simple was locked and the funds in the account subject to a garnishment. On XXXX XXXX, a deposit was attempted and denied. On XXXX XXXX, that deposit of {$570.00} was allowed into the locked account. The deposit was not supposed to be allowed, as the account was locked. 

A court order has been issued to release the funds in the account after the initial locking. Simple and Compass are refusing to follow this court order.
In short, XXXX XXXX financed a vehicle to me in XX/XX/XXXX. The vehicle was NEVER registered to me and I have not been able to use the vehicle though I made every payment on time, through XX/XX/XXXX. Beginning XX/XX/XXXX, I requested XXXX to take action to obtain the registration and license plates I had paid for and subsequently been billed for. Months passed before XXXX finally contacted me to inform me they had to " double pay '' to obtain the title and would be sending me the registration/tags. I NEVER received them. I tried to trade the vehicle in for another one in XX/XX/XXXX, I was informed this vehicle was titled in someone else 's name and had a different lien holder listed. In XX/XX/XXXX, XXXX 's Title Manager admitted to me that XXXX had NEVER obtained a title for the vehicle. I asked for the amount I had been billed upon the loan initiation ( for taxes, tags, documentation fees, and registration fees ) to be credited to my account from the date of initiation so that I would also be credited for the finance charge for said monies. 
SHE REFUSED. She also informed me XXXX had filed for a bonded title with the State of Texas in late XX/XX/XXXX. In XX/XX/XXXX8, I filed a complaint against the auto dealership and then found out XXXX had NEVER applied for any bonded title. I contacted an attorney at that time and was instructed NOT to pay anymore on this fraudulent loan. XXXX was informed of my intent to sue and they were also instructed NOT to make any false or negative reports to the Credit Bureaus. I am providing documentation including emails from XXXX representatives LIEING to me about having possession of the title, and correspondence from my attorney, XXXX XXXX. I can also provide a chronology of events with evidence I have to substantiate my claims. I do not want XXXX to have access to those documents at this time as there is a lawsuit pending for Deceptive Trade Practices and Fraud.
I got a new car in 2016. I had a 72 month note. Months later I paid a lump sum on the note because I am retiring in less than 2 years. After I paid the lump sum my date to pay off the car went from 72 months to about 24 months. I will have my car paid off in 13 months as of now. However, I missed a payment 2 months ago. I told them I was having medical issues and I will hopefully catch up on the missed month as soon as possible. I reminded them that I had paid a lump sum to cut down the time of the car loan and I did n't think I could be behind on my account. I literally took 5 years off my account so how could it be behind. I have n't missed another payment. I have now received a letter stating that adverse actions would be taken if I did n't pay the missed amount. Also, my account is now saying I am 3 payments behind when I only missed one. I am not missing another payment but this does n't sound legal. It seems the closer I get to paying off the car the more the company harasses me. The company did n't recalculate my payments after I paid most of the car off but they are threatening me for missing a payment. What do I need to do and how can they do this when the account is 4 years ahead?
Portfolio Recovery is stating I owe a debt of {$260.00}. I repeatedly disputed this claim several times via mail over the past 2 years because this is not my debt and fraudulent activity with this account. I have never signed a contract or even received any paperwork from Portfolio Recovery stating that I owe the debt or details of the debt .
I have contacted TRANSUNION several times on the   XXXX   XXXX   account that has been paid in full since  XX/XX/2017   . I have tried to get them to update the credit report and they refuse to do so. I am going to be seeking legal advice at this time. They are reporting misleading information on my report, and I have a legal right to dispute this information and also to have it reviewed and updated. This account is paid in full as you will see in the evidence submitted.
I got letter from Midland Credit Managment inc saying that I owe them XXXX $ which I do n't. and the original creditor was XXXX in South Dakota. I never got any credit from that bank or had any bank account. And never been in South Dakota. They threatening me that they will report me to credit reporting agencies.
About one year ago I moved from the apartment called XXXX in XXXX Colorado to another place. So the apartment office said they were going to send me any balance remaining. On XXXX I received a balance of {$170.00} dollars so I went and bought a money order and submitted to them and cleared all the balances. Since then I never received any cimmunization that I had any due balances until around XXXX when I received a letter from one of collection agencies called Metro collection agency with a balance of {$230.00} which they wanted me to pay due to unpaid balance from XXXX XXXX apartments. The letter indicated that no additional charges are added from the initial debt. I decided to go myself to Metro collection and seek clarification of the balance and met with a person called XXXX XXXX whom I talked to and got me balance they received from legend orks apartments was {$170.00} and they added their charges which resulted to a balance of {$230.00}. He promised check and seek clarification from XXXX apartments and will give me a call back. I never received any call or mail since then. So I decided to check my credit score two days ago and found added account from collections with a balance of {$230.00}. I got the content information and found its from Metro collections agency. When I called them to ask about it they told me to write a dispute letter to them and attach a prove of payment that I made. So my concerns are if I never paid the balance why did they take long time since I paid the money order to contact me about the debt? Again why the Collection agency decided to add their charges on the balance they got from the apartments on which they indicated on the mail I received on XXXX that no additional charges or interests are included? Third why the collection agency never called me when I complained about the balance when I went to their office and they promised me that they will call back in few days ( XXXX XXXX employee who promised to call me )? Again why are they asking for a prove for payment for money order when the apartment are now owned by different company which they do n't have the receipt for payment and this is long time to be able to get that prove of payment? And finally why they reported the balance to credit bureau without contacting me to make a payment? Of course a paid this balance they are charging me.
I have a personal line of credit with Regions Bank. I had a late fee put on my account that was also reported to my credit. I never received a statement in the mail. They say they sent it, but I did not get it ( the US Postal service is not a 100 % guaranteed delivery service ). Also, I do all of my banking online. They are the only bank I have that still requires mailing service ( they wo n't even let me pay my bill online from another bank ). They also do not allow me to view my statement for this account online. Also, when I logged into my online account, my account showed a {$0.00} balance. The only way I was to know I had a bill due was to get the statement which I did not get. This bank is XXXX of the largest in the XXXX. There is no reason I should n't have access to statements online, for them to correct their system so when I have a balance due, it actually shows a balance due on my account. I called and emailed them and they pretty much said " not our proble. We mailed you a statement. '' It is their problem in the Internet age I can not have full access to my account. I have problems with the postal service because they confuse my address with another person and sometimes I do not get my mail which is why I do all of my banking online! They reported my late payment on a fee I was unaware of. They need to update their system and remove the XXXX late payment I have ever had posted on my credit report!
XXXX XXXX XXXX of XXXX XXXX billed for a medical procedure on my daughter. The billing statement is XXXX/XXXX/2015. I wrote aa check to pay the bill on XXXX/XXXX/2015. The Doctor 's office did not process the check ( through my bank ) until XXXX/XXXX/2015. On XXXX/XXXX/2015 I was contact via mail by Transworld Systems stating that they were attempting to collect a debt for the doctors office. On XXXX/XXXX/2015 I contacted the doctors office ( XXXX of XXXX XXXX ) they stated our account was out of debt collection and they mailed a statement which shows the debt was paid. I mailed all records to Transworld Systems on XXXX/XXXX/2015 showing the debt was paid. 

We received another letter dated XXXX/XXXX/2015 from Transworld Systems on another attempt to collect the debt that was not owed and has already been paid off. Transworld Systems says our account is not in collections, but they have sent letters still wanting us to pay them. They have also made attempts to get our phone number, I can only assume this would be used for further harrassement. 

I certainly do not recommend XXXX XXXX or XXXX XXXX with several locations in Texas as they held our payment, it seems intentionally, to put us into a debt collection.
ExperianXXXX XXXX XXXX TX XXXX : Report # XXXXOn Monday XXXX XXXX I called Experian to dispute XXXX XXXX private student loans. I spoke to the representative to dispute the relevancy of the contract. I had recieved a copy of the contract by XXXX due to a complaint I had filled with the XXXX. The contract has " missing information such as date missing and other identifiable information that is not consistant with my information with their files ''. The name listed on the application is not my birth name. Further, the account number listed on my report is XXXX ... there are XXXX accounts listed with these numbers, the account number specified is listed differently on XXXX correspondence they list account number XXXX. Due to new regulations required by the FCRA account numbers are no longer supposed to be listed as social security numbers or reported to the credit bureas as numbers that begin with social security numbers. 
The accounts were previously unrated and reported previously as " NO STATUS '' in XXXX 2015 that had changed. I request that " no status '' be reported on my file due to FCRA, FCBA, FACTA and other statutory and procedural violations that may have occured. The creditor has over XXXX credit and billing consumer complaints filed online along with SEC and Consumer Financial Protection Burea investigations for similiar or other pertinant issues regarding private student loans currently held by XXXX. ( see link : XXXX XXXXRemedy sought. 
I request that detailed information including names and a description how the previous verification process was conducted per section 607 15 UFC 1681. 
I would like Experian to rienvestigate and the following information herein. 
1. Verify last 84 month account history ( See attatched doc ). 
2. Report the assigned account number provided by XXXX ( acc # XXXX. Valdiate and authenticate information supplied on original contractI request that bot accounts be unrated due to errors and ommisions on the account and credit reports. 

XXXX XXXX
creditor : BANKRUPTCY : DISCHARGED CH-XXXX/////THIS IS MY FATHERS AND ITS ON MY REPORT CASE # XXXX   creditor : XXXX XXXX XXXX XXXX account # XXXX balance : XXXX  creditor : XXXX XXXX XXXX account # XXXX  balance:XXXX creditor : XXXX XXXX XXXX XXXX account # XXXX   creditor : XXXX XXXX XXXX/XXXX  account # XXXX   balance : XXXX creditor : XXXX XXXX XXXX/XXXX  account # XXXX  balance : XXXX  creditor : XXXX XXXX XXXX   account # XXXX creditor : XXXX XXXX XXXX  account # XXXX creditor : XXXX XXXX XXXX  account # XXXX creditor : quick loan company account # XXXX balance:XXXX creditor : regional acceptance co account # XXXX balance : XXXX  creditor : XXXX XXXX  account # XXXX  balance : XXXX   creditor : XXXX XXXX/XXXX  account # XXXX balance : XXXX creditor : XXXX XXXX XXXX  account # XXXX The following are not my address or ever lived there i think this is whats attaching me to my father ; XXXX XXXX XXXX , XXXX XXXX, GA.XXXX XXXX XXXX XXXX   XXXX  , GA. XXXX XXXX XXXX XXXX XXXX, GA. XXXX   THE FOLLOWING INQUIRING ARE UNAUTHORIZED : MORTGAGE REPORTERS BANK CREDIT CAEDS MISCELLANEOUS REPTG. AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I 've fallen behind on a loan from Kay jewelers, I 'm working to resolve this, they 've taken to calling my elderly parents home and cell phone in attempts to reach me and resolve a debt aftet being told to stop calling. The number they 're using is XXXX.
I frequently check my credit through XXXX XXXX, and today I noticed my credit dropped 96 points in my Equifax due to someone reporting a false address. Please help me sort this out. Thank you! 

Sincerely, XXXX
Payment Resolution Services ( PRS ) has repeatedly attempted to collect a debt which was in error to begin with. Please see attached letter I sent to PRS which was ignored.
I signed up for a home warranty ( XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX through Pentagon Federal Credit Union, where I hold a checking account. They endorse the home service plan and provide automatic withdrawals to pay the monthly {$54.00} to XXXX XXXX. Our XXXX XXXX XXXX XXXX XXXX warranty # is XXXX. 

On XX/XX/XXXX, I filed a claim with XXXX XXXX regarding a leaking hot water heater in my home. A service provider contracted by the home warranty company, XXXX XXXX XXXX of XXXX, Colorado, came to assess the problem on XX/XX/XXXX. I paid a {$100.00} deductible to XXXX XXXX by credit card over the phone and received receipt via mail. XXXX XXXX XXXX determined we would need a new hot water heater and communicated that with XXXX XXXX. 

On XXXX XXXX, XXXX I received a call from XXXX XXXX offering us the product ( new hot water heater ) and installation by XXXX XXXX for an additional charge of {$80.00} or a " payout '' to the amount of {$680.00}. I opted for the product and installation. I was told then that the water heater had been ordered and would be installed within 3-5 days. 

Beginning on XX/XX/XXXX, my husband and I began calling both XXXX XXXX and XXXX XXXX daily to learn the status of our claim since we still did not have a hot water heater. Each time either of us called, we were told conflicting information from the day before and from person to person. At one point we were told the hot water heater was on a truck coming from Texas to Colorado, but there were no tracking numbers. As of XX/XX/XXXX, we were told that in fact, the hot water heater had yet to be ordered by XXXX XXXX. Today, XX/XX/XXXX ( one full month from the date of the initial claim ), I was told by XXXX XXXX  that the hot water heater had been delivered to an address in XXXX, New Mexico and was ready for pick up by XXXX XXXX. I pointed out that XXXX, Colorado and XXXX, New Mexico are not in close proximity by any stretch of the imagination. XXXX, the case manager I was speaking to ( extension -XXXX ) realized this was a mistake on their end and said she would try to have the hot water heater shipped directly to XXXX XXXX in Colorado. 

I have been living without hot water for a month and can not get anyone ( XXXX XXXX or Pentagon Federal Credit Union ) to be accountable for the unacceptable way our claim has been handled.
My problem is with the servicer of my federal student loans, FedLoan Servicing. I just finished up a XXXX in XXXX for XXXX and am currently in a 16 month XXXX program in which I am required to work 60 hours a week without pay as part of my training to become an XXXX. I have a wife and XXXX children and we are living off of savings and loans. I applied for Income Driven Repayment back in XXXX 2017 and I have heard nothing about the status of my application. So far, the only thing that has happened is that I am being billed for the full payment amount for two of my loans. I have called and sent emails. No one ever responds to my emails. I received one automated email reply that had nothing to do with my specific situation. On the phone, the reps are sometimes unhelpful, difficult to understand and give conflicting information. One of the reps I spoke with on the phone several weeks ago told me she would enact a temporary {$5.00} forbearance on my loans while the IDR application is being processed. My payment amount due is still the same ( {$460.00} for one loan and {$140.00} for the other ). The payment is coming due in 10 days and no action has been taken. I spoke with another rep who told me to just pay {$5.00} immediately which would lead to an expedited processing of my application. So far, this action has failed to yield any results at all but, to be fair, it has only been a couple of days. I have no correspondence to attach since all of my communication has been over the phone ( the company does not respond to emails ). My IDR application was submitted through the federal government 's site, StudentLoans.gov. I am attaching my loan bill showing the {$5.00} payment I made as advised by one of the reps over the phone.
On XX/XX/XXXX I transferred my balance to another account. On XX/XX/XXXX I noticed I still had a balance. So that day I called XXXX XXXX and they said I had to pay {$45.00} for left over interest and to close the account. I payed the {$45.00} on XX/XX/XXXX. They reassured me the account would be closed following this payment. Now XX/XX/XXXX, I received an email that my XXXX  Account statement is ready. I logged into my XXXX XXXX account and it says I owe {$5.00}. This means my account was never closed and their still charging interest.
America express. I never late on my bills. I want to make a couple of payment I been in the hospital, I am very ill. And they keep calling me and harassment me. i told them they bill is not due yet and im still in the hospital and they keep calling
In XX/XX/XXXXI took out a HELOC for XXXX to upgrade my home. My payment was always XXXX. To stay on top of it I have an automatic withdrawal from my bank, XXXX, automatically to BOA each month for XXXX. In XX/XX/XXXXBank of America paid XXXX to pay my state home owners tax. This was not up to them to do, and they should not have done that. I don't know why they did this and when I asked them, they didn't know how it happened either. It was none of their business to pay my state taxes. Than BOA took the XXXX and added it to the balance of my HELOC. So instead of paying intrest on XXXX, for taxes, they added it to my HELOC payment and now they have me paying intrest on almost XXXX. This is dirty business. 
There are 2 completely and separate issues but BOA added it all together. 
I have been asking for a copy of my original loan document so I can see what is going on for myself but BOA refuses to send me a copy of my HELOC. 
This was a fixed rate loan when I got it, now I'm being told it has been changed to a variable rate loan. This is wrong to do to me and it is destroying my credit. Thank you.
I have filed for an income based payment program for my student loans through Nelnet every year since graduating in 2010. I have had issues with the associates giving incorrect information or offering no information or assistance. I 've had to file a deferment for 30 days every year because they claim my paperwork was n't sent in time forcing me to accrue interest on a loan I now will never be able to pay back. I have been unemployed for almost 2 years and can never get factual information or help for these loans. Im on the verge of defaulting because I do n't trust Nelnet or it 's associates. Even after filing a report with the Better Business Bureau, they have failed to reach out and assist me in answering questions I have about this loan I do n't understand.
My husband was recently approved for a new Citibank credit card ( for Costco ). We keep our finances separate for personal reasons, so he encouraged me to apply for one. I was turned down, solely for the reason of having an old bankruptcy on my credit. I believe this is gender discrimination because he has the exact same bankruptcy record on his credit! Plus, my income is higher than his!
XXXX credit card. I use this card to buy a XXXX last XXXX XXXX $ in XXXX. When I pay it use this card, I choose 6 month no interest, buy I keep minimal payment each month. After 6 months I send a check XXXX $ pay out all expense, but it come out late fee on my statement every month, till XXXX $ last statement after wife write a check pay another XXXX {$.00} 50 {$.00} XXXX $ total more than XXXX {$.00} because she just following the statement wrote another check payout all balance. This month, the statement come to my hand, I found this mis-statement with another 187 {$.00} they still keep count late fee and interest on 0 spend and o balance. the XXXX $ was count from my XXXX purchase plus late fees and interest from every month that should not charge ( I did 6 month no interest with minimal payment plus payout check XXXX $ ), but they just simply ignore all payment even over paid. I just want them to pay me back and close my account, and ask you to do an investigation to shut down their business in case they continue to steal money from people.
I LIVE IN A ROOMING HOUSE, MY IDENTITY WAS STOLEN AND MULTIPLE APPLICATIONS AND INQUIRIES WE MADE FRAUDULENTLY UNDER MY NAME. MY ROOM WAS BROKEN INTO YEARS AGO AND ONCE AGAIN RECENTLY..I NOW HAVE PROTECTION SO THIS WILL NEVER HAPPEN IN THE FUTURE..

PLEASE NOTE THERE ARE ( 5 ) FIVE HARD INQUIRIES FROM THIS SAME COMPANY ON MY REPORT FRAUDULENTLY. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
I want to close all of my XXXX XXXX bank accounts and XXXX accounts please
We went through a copy called XXXX XXXX XXXX for a pool loan. The total cost of the project was {$50000.00}. We did not have all of the funds and only needed a loan for {$15000.00}. When we started the process we were told it was unsecured and nothing will be attached to the property. 
XXXX sold the loan to Aqua Finance which is who I signed all of the loan papers with. I read the loan documents before I signed and nowhere did it say it they would file anything against my property via a lien or a XXXX filing. 
I am refinancing my home and was told they filed a XXXX on my whole property. I was concerned and called Aqua to see what was going on. I was told that 's what they do and have been doing that for ever. I asked them where in the contract I signed, it stated that they were filing a UCC on my property. They referred me to a section of the contract under Additional Provisions ( B. ) Security Interest. I read it and know where under that section did it say they were filing anything against the property. 
I spoke with XXXX XXXX Collection Manager for Aqua and he sent me the same document saying the same thing.
I have asked XXXX, XXXX, and Equifax for proof that this debt belongs to me. I received an XXXX credit report that lists XXXX XXXX XXXX GA XXXX with a zip code of XXXX. I have contacted the XXXX XXXX XXXX and asked them to provide me with verification of this debt belonging to me, they were unable to provide me with any information. I then visited the website and attempted to pull up the case # on my credit report and could not locate anything. I have uploaded the address to the XXXX XXXX XXXX, which has a different zip code than what is listed on my credit report. Please HELP ME!!! My son has XXXX and I am trying to get him into a facility that he can reside in, and this XXXX is hindering me from getting approved. PLEASE ask for verification of this debt belonging to me or remove it from my credit reports.