WillisBack/dataset-financial-user-claim huggingface dataset:
Complaint is against US West Collections, XXXX XXXX XXXX, XXXX AZ, XXXXFirst, a judgment was obtained against my spouse, XX/XX/XXXX, which was paid in full via garnishment of her wages, and a release of judgment was obtained. However, upon my spouse filing Ch. XXXX Bankruptcy XX/XX/XXXX, the Trustee demanded that the monies be returned. 

XXXX XXXX and XXXX XXXX XXXX were included as creditors in my spouse 's Ch. XXXX Bankruptcy, and the total of those debts were discharged, including the full amount of {$7400.00} they claim is owed ( copy of discharge attached ). However, this debt was referred to US Collections West. 

US West Collections obtained a judgment against me, separately, after the above debts had been discharged through my spouse 's bankruptcy, and garnished my wages from XXXX, XXXX XXXX XXXX. This judgment was satisfied XX/XX/XXXX XXXX copy attached ). 

It has since come to my attention that US West Collections is improperly reporting this debt on my credit report. Furthermore, after consulting with my attorney, US West Collections may have illegally garnished my wages and committed a stay violation for the previously discharged community debt through my spouse 's Ch. XXXX Bankruptcy. It is illegal to attempt to collect a debt post-discharge, and as Arizona is a community property state, each spouse has a 100 % interest in the other spouse 's assets, including income. This is referred to as a " phantom discharge '', and can be found in the Federal Bankruptcy Codes XXXX XXXX XXXX and XXXX XXXX XXXX. In addition, the copy of the enclosed discharge also states that collection of discharged debts from community property are prohibited and the violator may be required to pay damages and attorney 's fees to the debtor. 

This has caused denial of credit and potentially denial of a mortgage for not only myself, but my spouse separately.
Filed BK in XX/XX/XXXX at this time the law provided for assuming loans you planned to fulfill and not discharge. I did so for my newly leased Nissan Altima in XX/XX/XXXX. 39 months later I discovered that all credit bureaus were listing this as discharged and XXXX as status pending early termination. I filed suit against them after repeatedly attempting to resolve it accurately and have a settlement in my favor from XX/XX/XXXX. Unfortunately, the credit bureaus still have not corrected it and show it as early termination, and discharged through XXXX. My 39 months of regaining good credit history, making every payment on time as agreed to fully meet all obligations shows nowhere. I have been trying to purchase a home, then even leasing proved to be impossible and very challenging respectively.
2010 Ford Focus I purchased my vehicle XX/XX/XXXX from a used car lot XXXX in XXXX XXXX California. While getting a quote for auto insurance I was informed of an XXXX dollar accident my car had been in. That day I reached out to my Finance Company I had received my car loan from and they told me my car had a Salvaged Title. After some research in to California auto sales laws and a laundry list my car was of issues from a third party mechanic inspection, I called my financing company and told them that I was never informed of a Salvage Title or received any kind of car facts before signing my contract they promised they would get back to me saying that they would do everything they could to help. I called and called trying to follow finally getting to speak to a supervisor who promised she would work on my case and never heard from her again. 

In XXXX XXXX I took my vehicle in to XXXX XXXX car lot in XXXX California in attempt to trade in my vehicle for something a little more dependable. XXXX XXXX then denied my request as he told me my car was only worth {$2500.00} dollars which Im sure was a rough estimate, mind you Im paying {$15000.00} to fulfill my contract. He then asked if I had the paper work for my car with me which thankfully I did. He took a look and within seconds told me my contract should have had " SALVAGE TITLE '' printed all over the background, that my gap waiver had issues and that I had total recourse. 

I have reached out to the DMV Department of Investigations with no response. 
I have taken my vehicle back to the seller many times only to receive it with the same exact issues waiting more than a week each time. 
i 've informed both the seller and Financing company of my griefs with absolutely no resolution. 
I 've never been late on a payment, I would just like the chance to work with an honest Financing company and drive a car that does n't need constant repairs or shut off at every red light. 

I a XXXX year old buying his first vehicle with his own name and money being taken advantage of and lied to. 

I pay {$280.00} a month have had to be credited money for being charged extra interest by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Upon reviewing my credit reports via my credit monitoring services, I was shocked to see a collection account listed from a company that I have never heard of before by the name of Receivables Performance located at XXXX XXXX XXXX XXXX in XXXX, WA. The account listed is for a cable bill. Again, I have never spoke with anyone from this business regarding a cable account. This company has listed that I made a payment to Receivable Performance XX/XX/XXXX in the amount of {$220.00}. 
I have an active account with XXXX XXXX, which is XXXX Now. I spoke with a live representative on made a payment of {$220.00}. I received a confirmation number of XXXX. On XX/XX/XXXX the said amount, {$220.00} was deducted from my bank account. 
Please remove this collection account from XXXX, XXXX, and XXXX in this company has in fact reported false information immediately. I have never made such payment to Receivable Performance.
Trying to get my money refunded. Sent money through MoneyGram, receiver did not get paid. Walmart tried to help but their call with MoneyGram was cut off. The only reason MG gives is that " it is under review ''. It takes about XXXX mins to get a live assistance on their XXXX number, IF lucky to get someone, the call is cut off after a few minutes. Money was sent using the " XXXX minute '' delivery service on XXXX XXXX.
I have a company on my credit report call   XXXX   XXXX   that I 've been trying to dispute for a long time this account is a fraudulent account which was identity theft which was never mines, for some reason they updated some information and it dropped my score  XXXX  points they was already on my credit report as a charge off account so why would you allow them to update it to this month which is not accurate date this account was on there for over 6months I have Federal consumer rights under The FRA.   XXXX   XXXX   added information which was already on there but they are harassing me and making my credit lower and lower and Equifax is dropping my score over   XXXX   points just because of update this is just Prejudice and discrimination there 's no way this is accurate please remove   XXXX   XXXX   off of my credit report immediately I have a case number from the police department   XXXX      XXXX   XXXX   XXXX  . Please remove this from my credit report this information is not correct you are not allowed to go back on somebody 's credit report and keep punishing me with the same account which I 'm not responsible for at all ... when   XXXX   XXXX   first went on my credit bureau account I lost significant of points now they keep adding and updating which makes it worse and not making it accurate because they keep making it as a new account which is not a new account and the dates is not accurate I do n't even know anything about this account.. I am not sure why Equifax dramatically dropped my score because of an update this is very racial profiling and they think we as consumers can do anything about it we ca n't just stand here and let you do this to us.
Citibank blocked my credit card have had since XX/XX/XXXX until I answered questions. I spoke to a representative on XX/XX/XXXX, named XXXX via XXXX. The questioned I had to answer before my credit card would be unblocked were extremely alarming. 

Question 1 : What was my full name?

Question 2 : What is my occupation?

Question 3 : Am I employed by the Government or do I hold a political, diplomatic or governmental office?

Question 4 : Do I have a relationship with or someone who is associated with someone in a political ( e.g., held political office ) or diplomatic office or government position?

These question were bizarre to me. When asked the reason for these questions XXXX said Citibank was at the forefront of implementing new banking requirements. These questions were to protect me and Citibank. I pointed out no other credit card company I have credit with has asked me these questions and certainly not as a condition of being able to use their credit card. XXXX repeated Citibank was at the forefront of implementing new banking requirements. 

What bearing do these questions have on my credit worthiness? If my answers to questions 3 and 4 were yes, would that be a negative and thus affect my ability to use a credit card issued by Citibank or would that be a positive and mean Citibank would offer me a gift or something special?

Why are these questions being asked in order to have credit with Citibank and how are they  going to use this information. Further, how do they know the answers provided were even correct?
I filed a complaint a week ago regarding American Express contacting my spouse without my concent. They then said they took that number off there screen when I called them. I NEVER authorized them to use any other numbers other then the one I provided when opening the account. I want documents showing that I authorized my spouse cell number to be added to my account. By law they should not be contacting anyone or using any numbers i have not provided. So you telling me if I contact American Express from a public phone they going to call that # and release my information? I want all documents and recordings of my calls to be sent to me with American Express paying the expense to send them to me. Or I will have my attorney draw up paper work to obtain that information, then I will go puiblic to social media, news channels, to show them how careless and unprotected american express is with its customers information and privacy. I will fight this till American express admits it screwed up on contacting someone else other then the card older. As a result of them contacting my spouse it caused us to split up, and i will sue for damages if needed.
After learning of the recent security breach at Equifax I followed their link ( https : //www.equifaxsecurity2017.com/XXXX ) to find out that my data may have been compromised in the breach during the summer of 2017. I have not yet received any information from Equifax regarding my information potentially being stolen, but according to their website it is likely among the account information stolen. 

The complete lack of notification to me by Equifax is extremely upsetting when they are fully aware of the sheer scope of the problem and have determined that my information my have been compromised. Due to either gross negligence, or incompetence I will spend the rest of my life with a full security freeze on my accounts. This involves a large amount of time and money that I will have no choice but to spend to fix their egregious error. 

Even trying to resolve the problem through Equifax 's website resulted in a post dated enrollment in their TrustedID Premier service. The culpability of the security breach lies squarely on Equifax 's shoulders, and yet they have made it unnecessarily difficult to take further steps to prevent identity theft due to their errors. This state of affairs is completely unacceptable and swift action must be taken to avoid future incidents like this in the future.
I Western Union {$40.00} to a family member in XXXX XXXX almost a month ago, the agency refused to give my brother the money because they made a mistake in the spelling of his name, I contacted Western Union and requested a refund so I could re-send the funds, they said there was no need for all that, that they would fix it and release the funds to my brother I accept it that thinking this people were righteous, my brother went again to try to collect, they refused him again, I called Western Union again and now they 're claiming is government policy and are requesting my brother email/mail a copy of his ID to their headquarters in order for them to release his money to him, my brother has shown his ID to the agency, why should he have to send copies of his id to some office somewhere for XXXX knows in whos hands it will land just so he can get money I personally sent to him? I requested a refund and western Union through a supervisor named XXXX who refused to give me his last name he claimed because of security issues, refused to give my money back, XXXX ( operator number XXXX ) feels unsecure at telling me his last name, but XXXX speaking for Western Union wants a copy of my family member 's ID? whos keeping my brother safe from them?
BACK IN XXXX, ABOUT A YEAR OR SO AFTER I MOVED TO XXXX FROM XXXX, I WAS GETTING READY TO START COLLEGE. THROUGH THE PROCESS OF FAXING DELICATE SENSITIVE INFORMATION TO SCHOOLS BACK AND FORTH AND MOVING FROM HOUSE TO HOUSE I FEEL LIKE SOMEONE GOT A HOLD OF MY IDENTITY THROUGH GARBAGE OR SOME HOW ELSE. AS A XXXX XXXX XXXX, THE LAST THING TO HAVE EVER CROSSED MY MIND WAS SHREDDING DELICATE DOCUMENTS OR EVEN PROTECTING MY CREDIT. IT WASNT TILL JUST A COUPLE YEARS AGO, I FOUND OUT ABOUT THIS CAR LOAN OPENED WITH XXXX XXXX XXXX. I REMEMBER GOING TO SCHOOL AND TRYING TO APPLY FOR LOANS AND THEY KEPT ASKING ME ABOUT THIS COLLECTION ACCOUNT THAT I WAS NOT AWARE OF! I HAVE REACHED OUT TO XXXX XXXX ABOUT IT AND THEY HAVE NOT DONE ANYTHING TO ASSIST. I HAVE EVEN ASKED THEM FOR THE CONTRACT AND IN THE CONTRACT THEY ARE MISSING NAMES. YOU COULD ONLY SEE THE FIRST 4 LETTERS OF MY FIRST NAME AND THE REST OF INFO IS MISSING. I TOLD THEM I NEEDED A VALID VISIBLE CONTRACT SO I CAN REPORT THEM AND THEY HAVE NOT BEEN ABLE TO PROVIDE ME WITH ONE. I HAVE REACHED OUT TO XXXX SEVERAL TIMES AND THEY KEEP STAYING IN FAVOR OF XXXX XXXX BY REPORTING IT AS VALID. I HAVE SENT REPEATED NUMBER OF DISPUTES AND IT HAS NOT BE RESOLVED.
I received a call today from the General Revenue Corporation ( or at least that 's who they told me they were ). They left a rather official sounding message that they were a debt collection agency and that I needed to call them back about a debt. I called them immediately and then they asked me to verify, for security reasons, who I was. They asked for my address, which I gave them ( because it 's public record ) and then the last XXXX of my social security number, which is PII and I would not give them. I asked them to disclose to me what the call was about or any details of the debt, which they would not tell me. They kept saying that I needed to disclose the last XXXX of my SSN or the conversation would be over. That 's when I told them that it would be over because I would n't share it unless they told me what the call was about, which they would not do. She kept telling me that she already had my SSN but she needed me to verify it. When I asked her how she got my SSN, she could not answer me. I advised her that only my banking and credit card institutions had my SSN and that all of those debts are up to date. To date I have received no verbal, text, or written notice that I have any unpaid debts, so I was very suspicious as to what this might be about. I checked my credit report, which showed no inquiries and no late payments within the past XXXX years as well as no public record accounts named. I asked the technician if she could explain how I was supposed to ever find out what debt I have n't paid if she would n't tell me, and she could not answer. She asked for my information again, I told her no, and then she hung up. This instance may have actually been the company that they said it was or potentially a spear phishing scam ; I 'm not sure which. I contacted our lawyer immediately who also advised me to not give my PII over the phone. Again, I have still never received anything in writing from any company or any loan agency or credit card to date, so I find it suspicious and do not feel like I should have to share my information with this company for them to tell me why they are calling me. The number they wanted me to call was XXXX, they contacted me from XXXX, and the technician 's name was XXXX.
Dear to whom this may concern, I have two false accounts that do not belong to me and need to be taking off my XXXX  account immediately please. 

1. American Honda Finances XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/2017 Both of the accounts are on a closed status.These do not belong to me. This is effecting my credit tremendously and needs to be dealt with as soon as possible please. 



Thank you so much!
Opened a few fraud cases when I did not use my atm card lost my pin and reported to Bank of American they did not want to pay my claims!!
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX
I had several hundred dollars in my account and made routine daily transactions on a debit card, as they were processing a check was cashed. THe bank processed the check and then charged me {$280.00} in overdraft fees for separate transactions, they processed the check first to put me over my account and then processed the small purchases. The {$280.00} in fees was for minor items such as a a soda.
On XX/XX/XXXX, XXXX XXXX Store delivered and set up a youth bedroom set that was damaged at the time of delivery, I attempted to get the furniture replaced by notifying the delivery driver, emailing the XXXX XXXX Logistics person, and going in-person to the local XXXX XXXX store all on XX/XX/XXXX the date of the delivery. Despite my efforts to have the furniture replace and then later my request to have a full refund, XXXX XXXX Store was non-responsive. I disputed the charges via Visa and they returned my money after an investigation which XXXX XXXX challenged and lost. I even paid to have an independent furniture person come and assess the damage and provide a write up of their assessment on XX/XX/XXXX. I believe the original amount was {$2100.00}. Then later on XX/XX/XXXX, XXXX XXXX Store refunded me {$600.00} ( $ XXXX {$58.00} ) and released me from liability for the dresser. I have included all of my attempts to resolve this matter unsuccessfully with XXXX XXXX Store.
American Express is charging not only late fees but also delinquency fees right on top of the late fee. At just over 2 % of the balance, the delinquency fee can be 2 or 3x that of a late charge plus you still get charged the late fee. I was also informed that they would not guarantee that they would not charge a late fee on a balance that is only the amount of previous late fees. Essentially late fees on late fees. This account has a heavy volume of usage and American Express receives large payments at least monthly if not more often.
I disputed hard inquiries on my Equifax credit report on XX/XX/2016. There are a total of XXXX inquiries on that report. They claimed in less than 24 hours that all of them were factual inquiries. I do n't believe that they are and have disputed them several times. Each time I have disputed they tell me within 24 hrs that they are factual. I do n't see how they can physically verify XXXX hard inquiries within a 24hr time frame. I believe that all of the Credit Bureaus, XXXX, Equifax and XXXX just say that they are factual so they do n't have to delete them. I have contacted all of the creditors that have placed the inquiries on my reports and all have said that I need to contact the Credit Bureaus to have them removed. Have done this to yet still no resolution.
Citi Bank is contacting my relatives and friends and advising they are calling to collect a credit card debt I owe. They keep on calling them on a daily basis, after repeatedly told not to call them. 
Not sure, how they got the numbers of these relatives, because it was never given to them, when I opened the credit card account with them. Nor are the relatives and friends guarantors for the credit account.
I was employed with JPMorgan Chase & Co. from XXXX XXXX XXXX. During part of the XX/XX/XXXX year, I was receiving short term XXXX where I was entitled to 60 % pay. On XXXX XXXX, XXXX I received a letter stating I had been overpaid through XXXX XXXX XXXX XXXX pay periods. This letter is titled " 2nd Notification of Overpayment ''. I never received the first letter. Also, I have lived at the same address since XXXX, have a locked mailbox, and check and open ALL mail Monday - Saturday. The letter states that I owe {$1900.00} upon receipt of the letter. I contacted accessXXXX at JPMorgan Chase and spoke with a representative who said he could find no mistake in my pay to indicate that I was overpaid at all. He escalated my call to Sr Specialist XXXX XXXX. XXXX supplied only the amounts I should have been paid before taxes. He said he is unable to supply an after tax amount that should have been paid so that I could compare it to my bank statements. He claimed the ability to " compute '' taxes is impossible. He also said he could not provide me with documentation to prove the total amount listed as owed is actually a correct calculation of what I owe and not larger because of an incorrect tax calculation. How can he be sure its correct if he is telling me tax computation is impossible to begin with? He advised that I could not make any payment arrangement with JPMorgan Chase because I am not a current employer. If I did not pay the full amount on the day I called then he would report me to a collections agency. He assured my credit would not be impacted. I 'm finding that hard to believe. He also said I would be barred from working in other financial institutions if I did not pay the funds. I have been provided with zero documentation to validate these claims. Nor has the company agreed to get documents to me by any method. I do not believe I was overpaid because JPMorgan Chase paid an amount directly to me with the assumption that those funds were due. I lawfully received those funds and spent them with the knowledge and assumption that those funds were due to me. At no point did I initiate those funds myself into my account, nor did the company contact me for 3 years to report an error. XXXX refused to provide me with contact information or even the name of the case worker handling my case.