WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, This question is regarding the lawsuit that the CFPB made against XXXX XXXX XXXX in XX/XX/2017. I had many default judgments with them and have been paying a company out of Utah called XXXX XXXX for the wage garnishments. I had asked them why they are taking payments with this lawsuit because I thought they were not allowed to pursue judgments while this is being investigated. I was told I had to pay anyway. I believe that these garnishments were all made after the statute of limitations in the state of Utah. I am so strapped paying them and my federal loans that I cant afford a lawyer. I believe that they have been taking my payments when they shouldn't be. Can someone let me know whether they can legally continue to take my money at this time? I had no idea of my rights when this went to court and no one at XXXX XXXX or XXXX XXXX XXXX will answer my questions regarding this lawsuit. I would appreciate any information that would shed light on my predicament or even what direction I'm legally able to take to get this taken care of. I would be so appreciative of any information you could grant me. I am barely surviving trying to keep afloat with the ridiculous payment they are forcing me to pay to avoid garnishing my wages and bank levies. 
I can be reached at XXXX or are ( XXXX ) XXXX. Thanks so much for your time. 

Sincerely, XXXX XXXX
AES, once again has " lost '' my student loan deferment forms, which have been submitted via fax and email sinceXX/XX/XXXX.The company through which I borrowed the funds XXXX has dissolved, through bankruptcy. I had 7 LOANS through My Rich Uncle ( XXXX-XXXX ), which in XXXX'sBANKRUPTCY ( XXXX is also dissolved ) were sold to different purchasers, resulting in the lack of correct current loan owner deferment forms being available to me at AES. When I contacted AES, the customer service department mentioned I should utilize the bankrupt XXXX deferment forms to request deferment for all of my loans, which I submitted repeatedly. 
Now in XX/XX/XXXX, the 7 My Rich Uncle ( XXXX-XXXX ) loans are in default. AES listsTHE CURRENT OWNER OF THE LOANS AS FOLLOWS:6 of the loans are owned by XXXX dba XXXX XXXX, while one of the loans is still listed by AES as owned BY BANKRUPT XXXX. 
ATTACHED TO THIS COMPLAINT is one of the deferment forms submitted duringXX/XX/XXXX-XX/XX/XXXXrepeatedly via emails.THE ATTACHED FORM was received from customer service in the Fall of XX/XX/XXXX and thus was reconfirmed as the correct form to submit it has an account number PRINTED in the footer area of the file. I CALLED AES to ask for an updated deferment form ; AES INSTRUCTED ME TO USE THE SAME Bankrupt company-XXXX-DEFERMENT FORM THAT I HAD ALREADY sent many times to AES which, as mentioned it confirmed ss the correct form.AES MENTIONED THAT IT DOES NOT UTILIZE THE STUDENT CLEARINGHOUSE TO CONFIRM IN-SCHOOL STATUS OF BORROWERS AS OTHER SERVICING COMPANIES UTILIZE. 
The DEFERMENT form I sent AES during the summer and early Fall of XX/XX/XXXX was scanned into a fax and sent to AES via fax and email simultaneously in PDF format.I thought sending the form via fax and email would eventually work ; I received confirmation in XX/XX/XXXX that AES RECEIVED successfully at least one PDF email attachment which would be processed soon.AES provided more than one email address and fax number to send deferment forms.I sent deferment forms to every address and number provided.AND WILL KEEP SENDING FORMS until I receive notice to stop. AES COMMUNICATION FAILURE ON MULTIPLE LEVELS.
DIVERSIFIED CONSULTANTS is failing to remove an account from my credit which has been paid. It should never have posted to my credit as we had an agreement which they claimed they would never post it to my report. They continue to damage my credit causing me XXXX & financial XXXX. I would like it removed immediately from my credit reports ...
Since XX/XX/XXXX, I have been reviewing and disputing inaccurate information on my credit reports with Experian, XXXX and XXXX. 

To date, I XXXX is the only reporting agency that has removed the inaccurate information in accordance with the Fair Credit Reporting Act. 

I am including a copy of the following XXXX credit reports : XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

I am including a copy of the following Experian credit reports : XX/XX/XXXX and XX/XX/XXXX. 

I am also including a copy of my XXXX credit report, dated, XX/XX/XXXX showing that the account has been deleted ( after a thorough investigation ). 

On the credit reports, you will see that XXXX XXXX continues to report this charged off account from XX/XX/XXXX, monthly, as if it were a new late/charge off. The XX/XX/XXXX ( XXXX ) report shows that the account date closed is XX/XX/XXXX. The XX/XX/XXXX and XX/XX/XXXX show that the account date closed is XX/XX/XXXX. 

On the XXXX credit reports you will observe that the balance past due up to XX/XX/XXXX was {$6200.00} and on XX/XX/XXXX the balance past due was {$6300.00}, adding an additional {$82.00}. 

Ally continues to report this account adding and removing past due amounts sometimes as little as {$1.00} in order to re-age the account and continue to report it is if it were a new derogatory account which is, 1. Defamation 2. Violation of the Fair Debt Collection Practices Act 3. Violation of the Fair Credit Reporting Act I have also received e-mails from agencies such as XXXX XXXX, etc ... showing that the account continues to report as a new derogatory account utilizing the {$1.00} to re-age the account ( if needed, I will pay for the account history with the other agencies ). 

On XXXX  File # XXXX, you will observe on XX/XX/XXXX and XX/XX/XXXX the past due amounts vary and the payment/amount paid is {$0.00}. 

This is a clear violation of the Fair Credit Reporting Act and an illegal activity by XXXX XXXX.
On XX/XX/2018 at XXXX, I went to the XXXX XXXX ATM on XXXX XXXX in XXXX , Ohio . I put my debit card in the ATM and started my transaction to withdraw {$250.00} cash with a {$2.00} fee for not using my ATM. I went through the whole process and a message came on the screen and said it would give me back my card then my cash would be dispensed. It then gave me back my card and right after that, the whole screen went black and it NEVER dispensed my cash. I waited for about 15 minutes and still nothing. The screen was then black and just said " Check Input Signal- Going to Sleep '' in white letters on the screen. I took a photo of the screen on the ATM so I had proof of what it said. I tried to call XXXX XXXX right after that but they were closed and the message said to call back during normal business hours. So first thing that following Monday when the XXXX XXXX branch opened, I called and spoke to someone at the branch and explained what had happened. The woman explained that they were having problems with the ATM and they had placed a sign on it saying it was down but someone had taken it off and that they had multiple calls about my same issue. They said that they were well aware of the issue and it happened to multiple other customers also. They instructed me to just call my bank and dispute the transaction and that my bank would then contact XXXX XXXX to confirm the issue and verify that I didn't receive funds and it would be credited back to my account. Well I did just that and the money was temporarily credited back to my account. Well I received the letter dated XX/XX/2018 that states that the dispute was denied. So I then contacted the assistant manager at XXXX XXXX who was the person that was handling all of the transactions and problems with the ATM being down. She asked me to email her any information regarding my issue, so I did. In the mean time, I emailed the Fifth Third Dispute Team to appeal the dispute denial. I also was told by Fifth Third that there was no hard copy information that they could give me that they used in their research because it was all done electronic. I also was in contact with XXXX XXXX the assistant manager at XXXX XXXX for updates with her progress. Well 2 days ago I received an email from XXXX XXXX stating that she was told that she was told that she was no longer able to pursue my problem and for me to contact Fifth Third to re-appeal and re-file a dispute for the 3rd time. I am not getting anywhere and I am getting very frustrated with all of this!! I will attach the emails & also photos etc. to my complaint
This is a COMPLAINT AGAINST WELLS FARGO AND THE UNDERHANDED NATURE THEY HAVE CARRIED ON IN REGARDS TO MY MOTHERS ESTATE, THIS IS WHAT wells fargo is in violation of regualion z as follows failure to recognize heir to the estate of XXXX XXXX XXXX, wells fargo has refused to place my on the mortgageAND ALLOW ME TO MAKE MORTGAGE PAYMENTS for over XXXX causing the mortgage fall behind XXXX XXXX good in a recorded conversation can be heard saying that regulation z doeS not apply that i need to modify the loan are get a refinance which is not what regulation z says i am at prestent time being forced to jump through hoops for a modification submitting the same information over and over.At no time did wells fargo contact me or inform me of opt that were available. For XXXX years they have steadfastly held that they didnt know nothing about regulation z constantly telling me i was behind on the mortgage and either a modification or refinance had be done or foreclosure. Yes the mortgage is behind because of their unfair racist discrimination practices, I want wells fargo to furnish any material they have showing that they reached out to the heir and offered the opportunity to go on the loan they ca n't. If CFPB HAS ANY BACKBONE THEY WILL PUT AND END TO THE LIE OF THIS RACIST BUSINESS PRACTICE. WHAT I 'VE CONSTANTLY ASKE WAS TO BE PLACED ON THE LOAN WITH OUT ALL LIES AND DENYING THAT REGULATION Z EXISTED PLEASE HAVE WELLS FARGO PROVIDE PROOF OF THEIR COOPERATION THERE IS NON THEIR INTENTION HAS BEEN TO DRIVE THIS HOME INTO FORECLOSURE AND STEAL MY PROPERTY THE EDVIDENCE FROM COURT TRANSCRIPT SAYS SPEAKING UNDER OATH WELLS FARGO ATTORNEY SAID NOTHING COULD BE DONE OBJECTED TO THE COURT TAKING JUDICIAL NOTICE OF THE CFPB AND OR REGULATION Z, i AM THE HEIR TO THE ESTATE OF XXXX XXXX AND HAVE BEEN DENIED ANY OPPORTUNITY TO MAKE PAYMENT WITHOUT BEING SUBJECT LIES.,.
First call was at XXXX in XX/XX/XXXX.A XXXX  XXXX is calling me regarding putting a court ordered lien on all my bank accounts. I was told I owed a debt from XXXX and a judge had ordered a lien on my bank. He provided a docket number from a county I lived in at the time. I asked for correspondence regarding the legitimacy of the debt. He got loud and ordered me to talk to the court where the judgement was ordered. I again asked him to provide the proof as I am unaware of any judgements on me and nothing has been sent to me, nor do I recognize the debt. He gave an address to a place where a family member once lived at the time. On the night of XX/XX/XXXX I advised him I talked to the MA State Attorney Generals office and they advised me to again request documentation be sent out. He then told me hed email me the court decision to me. On the first night he stated the lien would be for {$3500.00} all said and done. On the second night he stated the lien was going to be {$7500.00}. I told him I need to know the legitimacy of the actual debt being mine and that way I could have a lawyer look at it and tell me if it was in fact not a scam and then Id settle anything that is in fact mine. He started yelling and talking over me. I asked what company he represented and he stated he works for Norfolk Financial thru the law office of XXXX XXXX in the XXXX Ma area. I called the low office of XXXX XXXX and they claim to have never heard of XXXX XXXX who claims to be a lawyer sometimes and then a paralegal the next. He then tells me he can have the Norfolk Finacial call me since they are right across the hall. I asked for a number and he provided XXXX and his number is XXXX. I asked for the toll free number and he stated they no longer have a public number. I decided to hang up at this point telling him hes not providing me the proper documentation to prove I owe the debt and two he cant prove he has the right to settle the debt.
cra violation XXXX, XXXX and XXXX in violation of my rights took off a inaccurate loan then put it back on my credit .... cra violation .. Notify the company with ftc and po report sent to all parties involved ....
I have been a Capital One card member in excellent standing since XXXX I never defaulted on my account nor was I ever late in sending my payments On XX/XX/XXXX I made an electronic ( ACH ) payment of {$500.00} from my business account to Capital One credit card account. The funds were deducted from my business accounts and were applied to my Capital One credit card account immediately. 
My balance due to Capital One was {$4500.00} ( out of {$5300.00} line of credit ) In other words I still had a " credit '' of {$790.00} available yet, a dinner transaction of {$39.00} was declined twice by Capital One. 
Capital One refuses to provide a written explanation as to the reason why they card was declined. 
This is not the first or the second or the third time over the last 16 years that Capital One does that to me. 
During XXXX back in XXXX, both my house and business had no electricity, phone service or Internet service, yet Capital One Credit refused to increase my line of credit by {$200.00} to allow me to purchase an emergency generator. Then too they refused to provide any written explanation as to why my request for small emergency increase in line of credit was not granted.
We have a loan with Springleaf Financial Services Financial Services of XXXX Illiinois at XXXX XXXX XXXX of {$7500.00} at 22 %. The loan was to rehab our house in XXXX, IL. We requested an $ XXXX increase in the loan amount as the labor for the rehab is going to exceed our expectations. Springleaf proposed that they would refinance our car and give us {$2600.00}. We were not denied an increase, but we felt that we did not want to do that as the finance charged at Springleaf are greater than at our XXXX dealer. So, we withdrew out loan request with Springleaf. 

The issue is that we received a Statement of Credit Denial on XXXX XXXX, XXXX based upon a credit report from XXXX different credit agencies. Now our credit score will go down based upon this action, and we are trying to keep our credit up as we are still recovering from the loss of our business during the recent economic depression. 

We called Springleaf this morning ( XXXX XXXX, XXXX ) to tell them that they did not deny our credit, we choose not to accept it. They said there was nothing they could do. We would like this denial taken off our credit report. Thank you very much.
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working for better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 to 90 days late to the credit bureaus ( XXXX XXXX and XXXX  ) between XX/XX/2015 and XX/XX/2015 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.
On XXXX XXXX, 2016 at approximate XXXX, I attempted to withdraw {$40.00} from an ATM machine. The money did not disperse instead I received an ATM receipt stating Decline due to HOST ERROR. I stepped over to the next ATM machine and was able to process my {$40.00} transaction. The next day on XXXX XXXX I checked my account and noticed that the first transaction that did not process was taken out of my account in the amount of {$47.00} ( {$40.00} plus {$5.00} ATM fee plus {$2.00} AMEX Serve fee ). I called AMEX XXXX to inform them and they emailed me a transaction dispute form on XXXX to complete and email back to them. I completed the dispute form and attached the ATM receipt that stated DECLINED HOST ERROR the same day XXXX. I received an email back from AMEX XXXX on XXXX stating my dispute was decline and when I called to find out why they stated the owner of the ATM provided documentation that the transaction did dispense the {$40.00}. I spoke to several reps and reps claiming to be supervisors at AMEX XXXX on XXXX and XXXX explaining the situation and asking for the documentation the ATM owner provided with no success. The last person I spoke with was XXXX. He stated that he was from the dispute team and that there was no way I can prove my dispute and there was nothing he could do for me. On Monday XXXX I received an email from AMEX Customer Service stating my account has been permanently suspended due to violation of consumer agreement. I called to speak to someone about the remaining balance of {$210.00} still on my card and what violation took place. Customer Service stated I will receive a check in the mail but did n't say when that would be mailed out.
I have had many problems with Navient student loans, they changed my rate many times, and they are always changing there rules. It 's very sad what these companies in America are doing the the american students. I am XXXX and i cant buy a house because of these students, i pay {$300.00} a month and my loans are not moving from this company
XX/XX/2018 I received a letter form this said company Resurgent Capital services. 
On a debit not owed by Me it said the original debt was XXXX XXXX, who i do not have on my credit report current owner XXXX XXXX, ref # XXXX account # XXXX
I sent several letters to credit reporting agencies and creditors requesting to remove inquiries that I did not authorize.
I bought bit coin through Coinbase and was filled way outside of the bid and ask. The ask was at {$18000.00} and I was filled at {$19000.00}. {$670.00} over the ask. It is impossible to contact the company. I tried calling their phone number I have been on hold for over 2 hours and no answer. When I 'm on their website and click on the link to contact by email, it does n't go to an email ; it goes to a chat window controlled by a bot and you can never reach a human or anything other option. 

Time of execution was XXXX XXXX on XX/XX/XXXX. Reference code XXXX Bought Bitcoin XXXX BTC @ {$19000.00} per BTC Reference code XXXX Payment Method USD Wallet  Fee {$1.00} Subtotal {$160.00} Total {$160.00} XX/XX/XXXX XXXX XXXX Completed
A letter was sent on XX/XX/2019 from XXXX XXXX XXXX   stating I owed {$1000.00} to paypal inc. I do not owe this debt and is a attempt to collect a debt that was due to theft of my identity.
I received numerous phone calls and letters from XXXX XXXX about a debt I owed. I mailed a debt validation letter to the company about this alleged debt I owed on XX/XX/XXXX via certified mail and got a returned receipt with a signature that it was received in XX/XX/XXXX. It is now XX/XX/XXXX and I still have no response from them regarding validation of this alleged debt. This debt that does not belong to me is harming my credit scores. They had 30-45 days to respond. They have passed the required response limit. I need answers.
I was in dispute with XXXX XXXX over auto damage I caused to a XXXX  customers car and was attempting to come to a resolution. Instead XXXX  sold the debt to XXXX XXXX XXXX in XXXX XXXX, CA ( XXXX : XXXX ). 

I was contacted by a representative of XXXX XXXX XXXX ( I do not remember his name ) and he threatened that if I did not pay immediately or provide my insurance carrier info he would report the incident to the California DMV and my license would get suspended for driving without insurance. And because the DMV only sends notification via mail, I could get arrested for driving with a suspended license during the time between the suspension starting and the notification arriving in the mail. 

A second representative from Accelerated Recovery Services ( XXXX XXXX ) called both of my parents at their place of business and left voicemails claiming to be a XXXX XXXX XXXX representative, saying that the message was for me that she needed to collect on the debt I owe. She then called me later that day. She threatened that if I did not pay within 24hrs XXXX XXXX would be forced to file a lawsuit against me to collect the debt. I tried to call her back the next day and she didnt pick up. she called me back and left a voicemail saying that I needed to call her back by XXXX  that day.
Our former bank, BBVA Compass, notified us that they would begin charging us a monthly service fee effective XXXX/XXXX/16 if our balance with them fell below a certain amount. To avoid this, we closed our account at that bank in XXXX 2016, and in doing so, paid off the outstanding balance on our Overdraft Line of Credit associated with that account. 

In XXXX 2016, we received dividend payments via EFT transfers that were directed to this now closed account. Rather than reject these payments back to the originator because the account was closed, BBVA Compass elected to open a bank account in our name, illegally, without our authorization, without notifying us and by reusing our old account number in order to accept the credits. 

As the balance in the illegally opened account fell below their minimum requirements, BBVA Compass assessed us their service fee in late XXXX. This fee caused our account to be overdrawn, so BBVA Compass advanced funds from the Overdraft Line of Credit that they established, illegally, in our name, without our authorization and without notifying us they did so. Subsequently, we received a notice re : the Line of Credit Advance from BBVA Compass ; we then contacted them to learn what had happened. 

Because our account was closed, BBVA Compass should have returned/rejected the initial EFT transfers as required by standard XXXX regulations and sound business practices. They should not have opened a new bank account and established the Line of Credit on our account WITHOUT permission and notification. They have indicated that they will not acknowledge these errors are their fault, nor will they reverse the transactions processed into these illegally opened accounts. 

How many other customers has this happened to? We are insisting that the bank refund our credits and delete the charges. The bank is opening up accounts in clients names without their knowledge just like XXXX did to their customers.
According to the credit Bureaus I have 2 account with XXXX XXXX XXXX. I do not have 2 accounts with XXXX XXXX XXXX. It also shows that one or both is a secured card with a security amount of XXXX. It does not show what bank account or credit card number was used to fund this account nor does it give me information about how this XXXX balance was rendered. 
When I reached out to the company both via mail and phone I was told its was verified. They also sent me some documents that appeared to be an application. I contacted them via phone and wanted to speak to the legal department, they returned that this is not a legal issue its a customer services issue and someone would call me to have the information removed. That was 10 days ago, I 'm filing this complaint because, I 'm having trouble getting the account properly disputed with the credit bureaus and when contacting the creditor it is equally as non- informing.