WillisBack/dataset-financial-user-claim huggingface dataset:
Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. 

As the attached XXXX will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, XXXX, Trans Union, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. 

The continued publication and dissimination of this inaccurate credit information is a manifest injustice. 

Next, I have been unable to " get verified '' by Trans Union, XXXX  or XXXX in order to obtain a code to temporarily lift my credit freeze. TO say I have been led down a primrose path in my multiple attempts is an understatement.
A card was opened using my name in  XXXX  I contacte d Macys and   even sent them the fraud affidavit years ago letting them know I was a victim of identify theft and did not open the card. They told me it would be taken care of, again in  XXXX  of  XXXX  I learned this account was still open and holding me up from obtaining credit. I once again contacted them and they stated they would escalate the problem since they could see it should have already been taken care of. I again faxed them the fraud affidavit and they have yet to release my liability from the account after speaking to numerous people over th e past 2 weeks.
Sent in documents they asked for. Was setting up a payment plan. Then got a letter from my employer that they are garnishing my check. After they already took my taxes. Had gave my bank information for payment plan . 2 pay ments were already taking out : called had everything set up. Then my check was garnished. Called again to see what was going on. And just kept getting transferred or hungup on. Told me I need to fax thema letter say i give them permission to call me. Then I need to fax them a paper saying I give them permission to fax me. Keeps me on hold for longer the n 45min.
I received a summons to appear in court in XXXX County Florida regarding a possible judgment on a debt went into collection in XX/XX/XXXX. The debt was opened up with XXXX XXXX XXXX XXXX Florida in XXXX, FL. Instead of going to court, I agreed to a settlement agreement to start paying {$50.00} a month starting XXXX XXXX, XXXX until the debt is paid off. However, after I had signed the agreement and sent it back to the attorney firm, Lotane & Associates, I remember that I received a XXXX from XXXX XXXX XXXX XXXX Florida during the XX/XX/XXXX tax year that stated a cancellation of Debt. This is where I was confused because I called and tried to get an explanation from Lotane & Associates as to why I would be summon for a debt that had been cancelled by the XXXX XXXX in XX/XX/XXXX. In addition, Assuming that I did not have to appear in court because the agreement was signed before the appearance of the court date, I discovered that the judgment was filed against me anyway on XX/XX/XXXX because Lotane did not let the judge know that I had set an agreement with them that resulted in a default in favor of Lotane. When my counselor called the attorney 's office, they stated that they did not know what happen and will motion to have the default dropped. It still has not happen as of yet. In the meantime, we are trying to see if the summon was legal because the debt was forgiven and I had included this on my XX/XX/XXXX income tax as income earned per the required law. I have not received a satisfactory answers from either XXXX XXXX XXXX XXXX Florida nor Lotane who I feel are both at fault because XXXX XXXX sold a debt that has been cancelled along with Lotane who let the debt go into default knowing that it was agreed. Please see the attached documents regarding this matter. I need to have this agreement nulled and find XXXX XXXX XXXX XXXX Florida and Lotane negligence with their unscrupulous practices. I have asked several questions about the date the debt was sold to Lotane but ca n't get a clear answer. Each company is asking me to call the other because they feel like they are not responsible as to what happened.
They call and ask for my personal information but will not tell me specifically what the call is in reference to beforehand or identify the account or company they are calling on behalf of - sometimes trying to get me to reveal my information in order to find out what the call is about. They sometimes leave messages that they will be taking legal action if I do not contact them by the end of the day. On occasion when I answer the call they make threatening statements and use intimidation tactics in an attempt to instill fear.
I have tried multiple times, with no success, to get validation of a debt being reported on my XXXX  and XXXX reports. I have contacted XXXX, XXXX and National Credit Systems for validation, however, the only thing I continue to receive are updates to my disputes that the account has been verified and updated. I have yet to receive documentation, as requested from either party. I 've been trying for two months now with no success. I 've sent US Certified Mail to all three parties on multiple occasions. In addition to me trying to get these two accounts being reported by National Credit Systems deleted from my credit report, there has been a third account added to my report, with an open date of XX/XX/XXXX that was not on my report prior to XX/XX/XXXX. I am not sure why this account was added to my report. The account numbers are # XXXX in the amount of {$1900.00}, # XXXX in the amount of {$500.00} and the third account # XXXX in the amount of {$2400.00}, which is the total amount of the two previous accounts added together. National Credit Systems added a third account to my creditreport combining the two totals from the previous accounts and now, it is showing that I have three outstanding accounts with this company. Not only has XXXX, XXXX and National Credit Systems failed to provide me with written documentation as to the validity of this debt, they have also not provided me with documentation as to how they went about verifying the debt. I do not believe that the debt can be validated and am asking that all three negative entries be deleted from my credit reports immediately. Finally, I checked the North Carolina Department of Insurance website to see if National Credit Systems had the permits to collect on this debt and they do not.
In XXXX of XXXX, I completed an application for and submitted an employer verification form requesting to enroll in the Public Service Loan Forgiveness Program with XXXX. I then contacted them in XX/XX/XXXX to submit the annual employer verification form. On XX/XX/XXXX, I received a letter stating that I will only be credited for on time payments made from XX/XX/XXXX to XX/XX/XXXX although I have been a full time employee of the XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  since XX/XX/XXXX and verification was submitted confirming this. The representative stated that they have my employer as the XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and the XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I explained that the XXXX XXXX  XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX is the same employer and it either way it is a public institution. The XXXX representative acknowledged that the Federal ID # was the same for both names ( XXXX ). I was told that my case will be reviewed and adjustments will be made if on time payments were made while employed at my state job between XX/XX/XXXX and XX/XX/XXXX but the review will take anywhere from two months to six months. During XX/XX/XXXX, I contacted XXXX to get an update and was told that my account has not been reviewed and can take up to a year to review and no additional information can be given to me at this time. I feel that this time is extremely long and unfair and the review should have already began as it is four months since I requested a review. I do not believe that the process takes that long as the history of my loan was forwarded to XXXX when it was purchased by XXXX. How is it then possible that they need 6 months to a year to review. It is now 4 months and my account has not even been looked at. I believe XXXX has no intention in reviewing my account with the expectation that I will give up.
Third time this year I have XXXX loans XXXX and XXXX, I mail in {$75.00} each month to them. They will not let me see it online, or mail a invoice to me, cant get the balance without calling and transfered around. I mailed these in last month XXXX money orders XXXX XXXX XXXX XXXX and XXXX XXXX sent in USPS picked up Saturday XXXX/XXXX/2016 and the XXXX loan was processed on the XXXX of XXXX. The loan XXXX money order from XXXX XXXX was processed on the XXXX. XXXX are mailed same time, same address. Yet Discover Student Loans says they NEVER got the money order for loan XXXX and I am late. Third time this year on this exact loan XXXX, same thing mailed, processed at XXXX XXXX later by days and they claim they never got the money order. 

I called they told me " a lot of illegal things happen these days in the world '' while talking to the rep in XXXX XXXX XXXX, UT on Sunday. 

To which I asked how a money order mailed to them, made out ot them made out to a set account number and loan number WITH a letter made out with the instrucitons for a THIRD time on XXXX loan of XXXX loans total with them is the ONLY XXXX having this issue. That maybe someone else processed it, aka not Discover. 
Well its their office, its a pattern now, and its illegal for anyone else to be able to process that money order made out to them that is now processed on teh XXXX and not yet on the books. 

This morning I check and the payment online history shows that I now didnt pay XXXX but on the XXXX I paid that to XXXX XXXX. So whats going on here! Where is the {$75.00} they took and is processed to them.
In XX/XX/XXXX, I received two letters from XXXX XXXX XXXX XXXX asking for payments for two XXXX XXXX accounts. After checking my XXXX Credit Report and my XXXX reports I noted that all of the information about the two accounts that Portfolio was trying to collect on were not verified by credit card numbers ( the credit card acct. numbers in question had between 2 and 6 first numbers of existing accounts correct ). The original banks that issued that issued the cards and amounts owed differed completely from my Credit Reports. The original accounts that I had with XXXX XXXX had all been opened in XX/XX/XXXX and all three of the accounts from that time were on my Credit Reports. Portfolio was also calling my elderly mother 's house on the average of five times daily. I also could see that Portfolio had referenced my credit report every month starting in XX/XX/XXXX and knew the accounts they were trying to collect on were not valid. I disputed their claims with the above information and they mailed a letter to me saying the information was not new to them so they were rejecting my dispute. The address for this company is : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. The telephone number is ( XXXX ) XXXX. Their e-mail address is XXXX. I have spoken with lawyers about this problem and even though I am deemed Uncollectible due to source and size of my income, I see this as a social justice issue that needs to be reported.
We have been scammed by XXXX XXXX XXXX XXXX XXXX. They let us leave with a brand new vehicle and confirming our loan was approved through XXXX XXXX   and that the only document pending was a water bill, which we later provided. At this time we also paid them {$2000.00} as down-payment. 

A few days later they start harassing us saying that Hyundai needed more documents from us. Long story short and after many days of going back and forth with the sales manager, a finance member and the sales person, we provided them the following documents : Green card copy Passport copy Driver Licence copy Social security card copy ( front and back ) Water bill Marriage certificate Apartment Lease copy After having all these documents that could easily end in Identity theft we received more calls from the dealer saying that they still needed more proof of residence from my husband. At this point we felt we had been scammed. 

They weren't straight forward from day one and NEVER explained to us that all these documents were going to be needed in the first place and instead, let us leave their dealer keeping our down payment and confirming that the loan was approved. 

We received a CANCELLATION CONTRACT notice from them and we immediately returned the car. The sales manager as always promised us the down-payment refund would take some days and that he would try to be a full refund or at least {$0.00} per miles used. 
The day came and for our surprise they deducted {$0.00} used deducting a total of {$680.00} for XXXX miles ; we tried to complain and told them that the return of the car was happening per THEIR request and because they weren't honest with us from day one but as always they just don't listen. 

Consumer 's rights are not being fulfilled in that place. I left with the remaining amount of the down-payment feeling completely scammed. 

Of course we do not agree with what they did to us and we demand a full refund of our down-payment. 

The day we returned the car they kept all the original documents, including the Contract Cancellation notice.
I would like to report unprecedented behavior and lock of understanding customer needs and unwillingness to help by the CitiBank. 
For years to login and conduct any online services through my business accounts, and I have XXXX business accounts, we were using the web site : XXXX with providing user name, password and randomly generated number with the token Citibank provided for each account. 
Over the year ago, Citibank made changes how customers are accessing their personal and business accounts, providing new web site : XXXX and eliminating electronic tokens to login to business account. 
I never knew that by using new web site and new rules to logins to my business accounts this will generate all online transaction, especially wires, as funds coming from me personal name and not from my business name. 
On XXXX XXXX, 2016, following the bank instructions, I sent wire to my XXXX company in the amount of {$7500.00}. Next day I receive a call from XXXX confirming that they received a wire, but they were confused who is " XXXX XXXX '', as this name appeared in the wire as sender. 
I immediately contacted the Citibank to send an adjustments to the wire, but my request was not processed. They recommended to send fund return request, and then send new wire already using the new token they provided to me. 
Unfortunately, because of the delay, funds were deposited to the wrong type account in XXXX, and XXXX XXXX refused return the money. 
All my following calls and visits to the Citibank offices did not resolved anything. They were refusing, or did not know how to contact Ukrainian bank with the simple notes that sender of this wire was the business and not the person, and refused to credit my account for lost funds of {$7500.00}. 
I have tree shipment with equipment already on the way to XXXX, and those funds were to cover our customs fees we have to pay at arriving of our cargo. XXXX and customs services does not know my name as the entity sending this equipment, they do know my business entity name of my company. 
I 'm requesting Citibank immediate credit my account in the amount of {$7500.00}, and deal with XXXX to return funds back. 
I was following Citibank instructions for online transactions and can not be hold as a hostage by the both banks to receive my money back. 
Sincerely, XXXX XXXX
XXXX XXXX I went to check my XXXX score, only to discover that it was lower than usual. It is VERY low as of today, XXXX XXXX, XXXX. 
I found out that I was still linked to a XXXX account that my ex-husband opened as the primary holder with me as the joint member in XXXX. This card looked like a regular Costco card & could only be used for purchases at Costco. I was n't aware that it was backed by Capital One. 
Twenty years later, after I divorced in XXXX, I opened my own account with XXXX. The representatives at XXXX assured me several times that I had no attachment or responsibility for my old joint account. No one informed me, as I 've subsequently been informed by XXXX XXXX, that I needed to have contacted my ex-husband to have him terminate the joint account. Huh?! Are they kidding?! How was I supposed to have known this? No one ever informed me of this at Costco. Costco should have advised me & my ex-husband that we BOTH needed to open new accounts after the divorce. The joint account should have been terminated by them, or, at the very least, they needed to have informed Capital One of the divorce & to take me off the account. ( Which Cap One has told me is impossible! ) This was a major oversight by Costco that is having horrible consequences to my credit. Cap One told me in one conversation that since my name was on the original joint account as co-owner, I 'm responsible for the unpaid debt of some {$5200.00}. Talking, pleading, yelling with Cap One lead nowhere. I 'm caught up in a true " Catch 22 ''. They refuse to budge off their position. 
It is impossible for me to have run up a bill on that account. I do not have a viable card. When I opened my new account with Costco in XXXX XXXX, I could no longer use my old card. In fact, when I used it by mistake just after I received my new Costco card & not having yet destroyed the joint card, the old joint card did not work for me. I gave it to a Costco rep who shredded it. 
Early in XXXX I acquired an XXXX XXXX card linked to Costco in my name only. I 've used that & a subsequent XXXX ( also linked to Costco ) & my debit card almost exclusively for purchases at Costco since XXXX. I also have not seen or paid that bill for years. My ex-husband was responsible for handling that bill. We kept our finances separate for the most part. 
I pay all my bills automatically every month. That I am being adversely affected due to my ignorance & not having been advised well by Costco is an injustice to me that needs to be corrected by Capital One. They need to expunge from my credit history the debt that is not mine but my ex-husband 's. And take me off the joint account as of XXXX XXXX. 
Thank you.
During my first attempt to refinance with with cash out from my current mortgage holder, my information was submitted incorrectly to underwriting. I did not have access to neither was I able to view/authorize any of the information submitted on my behalf. I have no idea if my application was submitted for a FHA or a Conventional loan. Upon being denied after a more than 30 day process, I questioned the submission of my application. A representative of the company mistakenly stated several things requested on my application that I did not request. When I began to question this incorrect, I was told he could n't speak with me any longer regarding my application. When I requested a copy of mu application I was told, an application was never submitted on my behalf. Additionally, I never received a good faith estimate ( GFE ). 
During my second refi attempt with the same company, the process was going smoothly and my existing loan was at the point of being verified and paid off. My information was submitted correctly this time around, however when I began questioning the incorrect processing of my initial refi attempt things took a turn for the worse and I was denied again. I am positive my income to debt ratio is more than qualified. They went to the extreme of telling me none of my income from my full time job would be accepted. 
I have all of this information documented through email exchange and will attach them to this complaint to explain what happened in detail.
I have received calls and notices from Choice Recovery in regards to an alleged debt owed of {$1800.00}. I sent a dispute notice for validation a few months ago and never received any response.
USAA continues to report my account as a joint holder when the account belongs to my son i have no knowledge of the account. I requested from USAA documents showing my signature that i authorized to be a joint account holder and received nothing from USAA. 
Also i have disputed this numerous times with XXXX and they stated that they verified. i also requested under FCRA method of verification and they failed to respond
After recently moving and providing new address lost my job and made Credit Central aware of loss of job with promise to continued payment once I got a new job. Still not working. Within one week of notification of loss of job my cell was turned off. They started calling everyone on my referral list and someone provided my mother 's # to them. They call her # every day, my mom is XXXX and has repeatedly requested for them to stop calling her. Then 3 weeks ago a man showed up at her house and verbally threatened her, she called the police but they could n't find the guy that came to the door. Then 3 days later a woman showed up, she again requested for them to stop coming to her home and made them aware she has XXXX. The lady left. Tonight at XXXX a XXXX XXXX ( same guy from before ) came to her door and tried to force himself into her house, verbally threatened her and she called the police, the police came and basically just told him to leave. I have repeatedly requested for them to stop calling her and I have requested on more than one occasion for them to provide documentation on how much is still owed if anything, but have never received any such documentation.
I consistently called these companies during the month of XX/XX/XXXX : XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date- XX/XX/XXXX Creditor Name : XXXX/XXXX XXXX   Inquiry Date- XX/XX/XXXX After being ignored by these companies I reached out to Transunion XX/XX/XXXX to have the incorrect information removed from my credit report. 
Transunion has failed to respond to my dispute letter sent on XX/XX/XXXX within 30 days. I have enclosed a copy of the return receipt which Transunion received on XX/XX/XXXX at XXXX. ( Tracking Number :  XXXX ) It appears that my rights have been violated according to the FCRA.
I closed the XXXX XXXX credit card after someone had changed the personal information ( Address, Login, and Password ) on the account. I paid a balance I had not charged just to get the card closed. XXXX XXXX accepted more charges after the card was closed and have sent it to collection. I have tried working with the collection agency, XXXX XXXX and Experian to no avail. They say that I lived at the Pennsylvania address the charges are attached to. I have never lived in Pennsylvania. You can see by the payment history reported to the credit bureau that everything was perfect to the date I closed the account, XX/XX/XXXX. They still reported the account in good standing for XX/XX/XXXX. Then " No Data '' for XX/XX/XXXX. Then it shows " Charged Off ''. There is no data for XX/XX/XXXX because the account was closed. The charges were incurred after the account was closed and XXXX XXXX, XXXX, and Experian refuse to correct the error and remove this from my credit report. Attached are the Investigation results and correspondence with XXXX.