WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX had gotten a Warrant in Debt issued back in XXXX. I was not served said Warrant in Debt until XX/XX/XXXX for a court date that was scheduled for XX/XX/XXXX. When I called XXXX   XXXX XXXX, I was told by XXXX, that I did not need to show up for the court date that they would non-suit the case and send me repayment options. I never received any communications from XXXX   XXXX XXXX regarding the repayment. On XX/XX/XXXX, I called and spoke to a few representatives at XXXX XXXX, only to be told that they had non-suited the garnishment order and that they had mailed me the repayment options. Nothing was received. I called again on XX/XX/XXXX and was told the same thing. On XX/XX/XXXX, I received a credit alert from a monitoring service stating that they had taken out a judgment. The judgment was marked paid in full after contacting the CFPB regarding the matter due to XXXX XXXX using false statements to garner the judgment. 

I have contacted the CFPB on this matter several times. On XX/XX/XXXX, I received notification from my employer that I had a wage garnishment issued by XXXX XXXX on XX/XX/XXXX. I was never given any paperwork regarding the garnishment order other than an electronic copy of the garnishment issuance from my employer ( XXXX 's XXXX XXXX ). The garnishment was placed in effect on XX/XX/XXXX. On XX/XX/XXXX, I contacted the CFPB due to both XXXX XXXX and XXXX XXXX having made ZERO contact with me in the process. After contacting the CFPB, on XX/XX/XXXX and XX/XX/XXXX, the money garnished from my wages,, totaling {$470.00}, was paid back to me by my employer per a resolution that was reached by the CFPB. 

Now on XX/XX/XXXX, I received yet another writ of garnishment from XXXX XXXX regarding this same matter. I have not received any contact from XXXX XXXX over this matter, nor have I received any contact from the " XXXX XXXX XXXX XXXX '' group who is representing them. The only notice I was given of the writ of garnishment was an electronic notice from my employer. The notice states that they are deducting 25 % of my wages from XX/XX/XXXX until XX/XX/XXXX. The notice pointed to a court record which is a hearing date which is scheduled for XX/XX/XXXX. XXXX XXXX and XXXX XXXX both have actively sought out a garnishment without having a hearing prior to the matter, and XXXX XXXX has already had a resolution in place regarding this issue as of XX/XX/XXXX.
I spoke to XXXX XXXX from UC RB on XX/XX/XXXX after he left me a voice message on my cell phone. He told me there was a complaint filed against me to commence legal proceedings. He then requested I make payment arrangements to stop the processing, which I did. On Friday morning of XX/XX/XXXX, I received a phone call from XXXX XXXX at XXXX XXXX I was not able to answer and thought it was odd to call before XXXX XXXX. I then received another call at XXXX XXXX, but I was at work and not able to answer. XXXX XXXX left another voice message on my phone. 
I had my representative call to speak to him and got XXXX XXXX instead. He was told that he was in violation for calling before XXXX XXXX and XXXX XXXX wouldn't allow my Rep to speak, he would interrupt her and even started to use profanity. He was very rude and decided he didn't want to continue to speak to her so he discontinued the call while she was on the line.
Bank Of America failed to give us complete instructions on how to fill out the original loan modification paperwork. We not only had to re-sign all the paperwork all over again, but today will mark the XXXX time we have received a modification packet, indicating " there was an error in the format of the documents that were used and they were unable to be recorded at the county recorder 's office '' If not recorded properly, homeowners may experience issues later when attempting to have their home loan serviced. 
I contacted the county recorder 's office and the lady I spoke with indicated they receive many complaints from consumers for the same problem with Bank of America. She informed me that Bank Of America blames their office for not receiving the paper work or denying paper work for not being completed. 
Our medication has been approved, but the paper work has not been completed correctly by Bank of America.
Advance America contracted a company to collect this debt. The company called my wife 's phone 5 times in a row, and then called my employer repeatedly as well. My wife called back, and she was told they would be arresting me. My wife was anxious and in tears. I called back and spoke with XXXX. XXXX was verbally abusive, and swore at me. I mentioned his tactics being a violation to FDCPA and that I would file a complaint with CFPB. XXXX said to shove the FDCPA up my XXXX, and he 'll file it for me. He called from XXXX, and told me to go to Advance America and pay now, or my XXXX was going to jail.
On XX/XX/17 I was contacted by XXXX XXXX from the company Brown & Joseph , Ltd. located in XXXX, IL, threatening me to pay a debt that I did n't even know I had and taking my case to a court room. He was demanding me to pay over thousand dollar in workers compensation policy that I never had because I decided for another company. 
He also said he was going to talk to me in XXXX as I did n't understand English.. I am not a XXXX speaking person and I speak English. He finally sent me an email saying It was better to pay the amount before XXXX Central Time, or the case would go worse.
Have a Kohls store credit card, which I rarely use. Made a purchase in XXXX, and do n't remember getting a paper statement ( I had not elected electronic ). Got an email today that I had missed a payment, and had a balance of {$86.00}. When I got home from work, logged on, and paid the amount. Since I did n't remember the purchase, looked at statements on the website, and noted the purchase I made was for {$32.00} on XX/XX/XXXX, and ( again ) do not remember getting a statement. I have never been late before, always just paid via bill pay when I got a statement. I reviewed the activity since, and noted they charged a {$15.00} late fee, then a {$37.00} late fee. The balance was outstanding less than three months ( XX/XX/XXXXXXXXXX/XX/XXXX ), yet the late fee is +100 % of the original charge. The customer service line offers to route you to customer service, but after waiting 15 minutes on hold, realized I was waiting in vain. 

Is there no regulation that prohibits companies from charging such an exorbitant late fee?
Don't do as XXXX XXXX XXXX, rushing to sue without trying to settle the debt via out-of-court communication. I need more time and making progress to solve my financial problems. 

It is possible for me to repay all the debts, if private lenders like you are as patient as the government lenders.
I have purchased a home with my ex husband the loan is in his name only and I 'm on the deed to the house we divorced in XX/XX/XXXX I have resided at the property and have been paying on his mortgage to stay here the payments got behind I paid the bank {$1000.00} in XX/XX/XXXX and been making the payments the mortgage company is refusing my payment because its behind and no payment plan was set up now I 'm disputing with the mortgage company to get all my refund that legally I 'm not responsible for and now they are foreclosing on the house and trying to put me out
I deposited XXXX cashier checks on XXXX. {$160.00} was made available to me after the cashier check covered an insufficient account. I then was told that the bank had made a small amount of money available. I went back to the bank a few minutes later and took out the money. The next day they reversed everything and I now have over XXXX XXXX dollars below, insufficient funds. They have told me that further review may result in not having deposit availability, and reversed one fee. The banking institution is Chase Bank. I Now will get a few insufficient fund few do to this hold. This is not ethical.
I got a notification on my credit report about a company putting something on my credit report I knew nothing about and while doing research the company isnt licensed to collect debt in the state I am residing in which is North Carolina
Jh Portfolio Debt Equities is misrepresenting the opened date and sum of the alleged debt on my credit reports that they are attempting to collect. 
The only validation that was sent to me were XXXX pages of a XXXX bank account not indicating how and why they have any legal rights to collect, how did they come up wit this sum or where did they obtain this information about me. 
Providing me with the last XXXX of my social and the mailing address on the XXXX bank statement is NOT debt validation as they could have stole this information or obtained it through any other illegal means. I did not enter into any contracts or agreements with Jh Portfolio Debt Equities, therefore they have no legal rights to report anything about me or my credit to the credit bureaus or attempt to collect anything.
I am late on paying on a {$25.00} payment to sallie mae. They call 8 times a day i asked them to stop calling an to send a paper statement. I have told them that i feel the calling 8 time a day is harassment, the say " the law lets us call that many times ''. I have stated that FTC Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) sub section 806, ( 5 ) " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' They refused to fallow the law in regard to collations of a debt. They need to be brought to justice. and fined or jailed
On XX/XX/XXXX I called Transunion today to inform them that I had been a victim of their data breach and that there are some negative inquiries that are on my credit report. The first customer service rep said im sorry then hung up on me, the second would not help me in taking care of these issues. I did not authorize any of these inquiries and I would please like them removed. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I have received two letters from a debt collector company requesting payment for two checks supposedly written on my bank account. The checks were allegedly written on two different dates to the same retail store at different locations. According to the letters, the electronic transactions could not be completed because I stopped payment payment on these checks. These letters did not contain bank routing numbers or the name of a bank for the alleged transactions. 
I immediately contacted my bank and had my account audited and researched for these alleged checks. To date, no checks with these check numbers or amounts have been submitted to my bank for payment. No stop payment charges have been deducted from my account. 
The debt collection company said I could dispute the charges by providing personal information such as the name of my bank, bank routing number, driver 's license number, etc. 
I feel this is a fraudulent scheme to obtain my personal information for probable unlawful purposes. The accusations are unfounded.
I had my check that was mailed to my utility company stolen out of a US mail box in XXXX XXXX, NY back in XX/XX/2018 and the check was fraudulently altered by someone and was deposited in that persons account into a XXXX  XXXX XXXX. I found out about this incident a month later and immediately notified my bank Citi Bank and they filled a report with there fraud department and they told me that they will investigate and credit me the amount that was taken within 90 days. It is now over 120 days and I have been calling them on a weekly basis and they are not giving me my credit because they are claiming that they are still waiting on XXXX  XXXX XXXX to respond to them, and until they don't respond they can not give me any kind of credit not even a provisional credit. I would like to get this credit from my bank Citi Bank. A copy of the cashed check is attached here for your review. 
My case number with Citi bank is XXXX
I have received a notice from the IRS stating that I have a cancellation of debt that was not included on my tax return. After much research and contacting the credit card company, I found out that someone had stolen my personal information and had a credit card issued. I am now having trouble with the financial bank to get this erase, and informing the irs that this is not my debt. the Irs is stating that I owe {$1100.00}.
I have repeatedly had this debt removed, because I dont owe this company anything. They continue to place this item back on my credit and take it off each time I do this. Making this the fourth time its being removed. I received documentation stating that they have no record of me owing anything. I know for a fact I dont owe the debt. This continues to be an issue with this company.
Both Jefferson Capital and XXXX have been calling me on my cell phone continuously since XX/XX/XXXX about a medical debt that I incurred XX/XX/XXXX 0r XX/XX/XXXX. I have an old bill from XX/XX/XXXX. I was in financial distress because of the recession and things have happened since to make it worse. I believe that the statute of limitations has expired to collect this debt. The debt was charged off on my credit report. What should I do to stop them.
XXXX XXXX XXXX began reporting this account derogatory in XX/XX/XXXX. It was only when I retrieved a copy of my credit report on XX/XX/XXXX that I noticed this erroneous, inaccurate entry on my reports. I have not received any correspondence from this company regarding this entry. XXXX did not provide a dunning letter as required by law thus violating my rights to dispute the validity of this claim. 

I have never did any business with XXXX nor have I ever entered into a contractual agreement with them. XXXX should have provided : *An agreement that states their authority to collect on this alleged debt ; *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of their bonding agent for collection agency in case legal action becomes necessary Further, XXXX should provide a copy of the financial responsibility page as well as any and all documents that bear my original signature and consents to XXXX having access to the alleged information associated with the alleged debt. Too, XXXX did not allow me to request that they cease any and all collection activities and reporting until I can validate the alleged debt. 

It appears that XXXX is in direct violation of my consumer rights and therefore, is negligent in reporting this entry on my credit reports. DELETE this entry immediately.
My husband and I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX, XXXX, in XX/XX/XXXX. We were financed by Santander Consumer, USA. We recently went to a car dealership ( XX/XX/XXXX ), hoping to either refinance our vehicle or be placed in another vehicle because we were making steps to clear up our credit. The manager from the car dealership ( XXXX XXXX XXXX ) came out to speak to us, which I thought was strange. He stated how out of all the years selling cars, he had never seen anything like what he was seeing with our loan from Santander. Our payoff amount is {$22000.00}. We purchased the vehicle ( 3 1/2 years ago ) in which our loan was approx {$23000.00}. Unbeknownst to us the 39 payments that we made from the beginning of the loan, approx {$18000.00}, went solely to interest and only less than {$500.00} went towards the principle of the loan. We spoke with a manager from Santander, XXXX XXXX ( ID # XXXX ) who told us that our contract has a simple interest rate loan, where we pay an enormous amount of interest each day our loan is late. Yes, we have been late in the past. However, within the last 12 months, we worked consistently on our payment, making sure nothing hit our credit. We were never late past the 30 days. We feel like we have been XXXX, manipulated. Yes, we might have been ignorant in going into this contract with Santander. Having a loan for almost 4 years, yes late many times, yes we put some payments towards the end of the loan, BUT $ XXXX WOW!! That's a lot of money, especially when 82 % percent of the payment goes to interest, leaving only {$160.00} going towards principle. Very upsetting and frustrating especially when we are at the verge of getting approved for a loan for our house and the only hardship is now that of this vehicle. Is there anything that can be done? Please help and/or assist us regarding this matter.
i have been falling behind on my mortage payment due to work related injury- since i have fully recovered i have made all payments on time since y injury 2 years ago, and now close to caught up and only a payment behind. Nationstar offered a modification ( this has been going on for quite sometime ) unable to do so because there is always missing documents that re required that i summit -and its always changing. for example first we needed bank statements and rental income documentation. i send copys of checks and bank statements to justify this, the first phone call from XXXX XXXX clearly indicated that was good enough, ( either/ or will work ) i didnt ' ask for the modification -now it changed again. i need to " circle '' where the rental income is as far as deposit. i already gave copy of check, they can verify this. Today i got a phone call from XXXX XXXX. XXXX XXXX XXXX now saying its not good enough. i have been constantely " harrassed '' by her phone calls and all the mailings i consistantly get in the mail. i receive at lease XXXX phone calls a month if not more - i am requesting to have the recorded phone conversations send to CFPB to listen to.
i wrote XXXX checks and Ally bank bounced all XXXX and locked my account. When I called to find out what happen, a rep and a supervisor told me the checks were submitted on the morning of XXXX/XXXX/15 and my money transfer did n't arrive until the evening of the same day. I used Ally site to transfer money from my saving account at XXXX XXXX XXXX on XXXX/XXXX/15 and Ally locked up {$100.00} for transfer on that date. I made a second call the next day and was told by another rep the same story, I then asked to speak with a supervisor who then changed the story line and tried to claim the checks arrived on XXXX/XXXX/15 and the money did n't arrive until XXXX/XXXX/15 and that was the reason why they bounced. The problem is I have a print out from XXXX XXXX XXXX dating the money transferr to Ally bank XXXX/XXXX/15 and a copy of the check transaction dated XXXX/XXXX/15 from XXXX XXXX whom XXXX of the checks was written to, XXXX also states that all the checks had a transaction decline date of XXXX/XXXX/15. Why did Ally bank bounce the checks and lock the account when they had my money to cover the checks? I want to be reimburst $ XXXX+ in fees Ally actions has caused.
I moved out of my apartment complex ( XXXX ) in XXXX 2014. Upon turning in my keys, I spoke with the community manager and office staff and was told that I no longer have any balance due to them. A few weeks later, upon dropping my daughter with her Dad ( who lived in the same complex at the time ), I saw that our old apartment had already been let to a new tenant. 

Imagine my surprise when I ran my annual credit reports and found XXXX entries from IQ Data International on behalf of RentCollect Global attempting to collect something regarding my deposit bond for XXXX. 

I previously submitted a complaint to this office ( CFPB ) and that matter was closed as correct. However, I now have current information from XXXX stating that they know I do not owe any money and yet, IQ Data/RentCollect Global is still attempting to collect this debt and still has negative marks against my credit report.
Hello I called earlier because my account was closed from USA bank and now I 'm not allow to open another account in any other kind of bank. I 'm in the need of my debit card. I talked to the polices department and let them know everything that USA bank has done to my account. And have n't gave me any time of information.
I have disputed with Equifax numerous times about invalid hard inquires on my credit file and all I get in return is my report accurate and it 's mine. I do n't see how it 's accurate if i never applied with these credit card companies. I never applied with XXXX XXXX XXXX or XXXX, XXXX. I also disputed XXXX items that are on my credit report that are in collections which was already part of my bankruptcy and which should n't be on my credit report at all, they said it 's valid and refuse to move it. I sent a investigation to XXXX about the same items and they removed it from my report but Equifax wo n't do the same, here is my copy. This a violation to my rights as an consumer they refuse to send me any proof when I requested proof from their business and I still have n't received anything. 
Thank you for your timeXXXX XXXX
Contacted XXXX and Equifax in XX/XX/XXXX; XX/XX/XXXX ; XX/XX/XXXX via certified letters informing them that they are incorrectly reporting a negative account as a status of being scheduled to continue on record until XX/XX/XXXX. I referred them to the Fair Debt Collection Practices 1978 and the Fair Credit Reporting Act 15 USC 1681. I referred them to an on-line article, written by XXXX themselves and still found on-line for consumers to read, written on XX/XX/XXXX by XXXX XXXX, where they note that the 7 year period starts from the date the account became late and was never current again.
My account, verified by the bank, 3 different times as correct over the past 2 years, was noted to be 30 days late in XX/XX/XXXX, 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXXand Charged off inXX/XX/XXXX. The first 30 day delinquency in the series will start the 7 years reporting and the entire series needs to be deleted after 7 years.
XXXX and Equifax is in violation of the 2 laws and need to be held accountable, especially since they needed to settle in XX/XX/XXXXwith 31 state attorneys on inaccurate credit reporting information on consumer reports.
Hello ive been a victim of identity theft and i recieved my credit report through equifax and i noticed that i have some inquires on my credit report and there are 15 of them i didnt apply for 14 accounts in my name the only inquiry that i apply for is XXXX XXXX on XX/XX/XXXX with a credit line of XXXX I didnt apply for XXXX inquiry date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX i didnt apply for these and i contacted Equifax few times and they open up investigation and send me a letter and didnt do nothing and told me to contact the creditors directly and i did and none of them didnt remove my inquires
purchased a software to recuperate my data off my cellphone and XXXX computer off XXXX The software is 100 % warrantee according to developer. But paypal credit would n't return my money since they said the license purchased is valid. I know the license is valid but the product is useless and does n't work as intended. The company is based on XXXX XXXX and they do n't answer back to their tech support inquires. <P/>Theres a middle company named XXXX which process the licenses and payments ( XXXX XXXX XXXX ) with address as follow : XXXX Corporate Office See on Map XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX Either PayPal credit or XXXX it 's willing to return my money back. Both companies has been provided with the error code : XXXX XXXX Status.plist not found. <P/><P/>the orders were as follow : XXXX XXXX {$19.00} XXXX XXXX {$34.00} I feel PayPal credit is not actin fully to the extend of law or handling the claim as it should : " Item not as described ". Need help please.