WillisBack/dataset-financial-user-claim huggingface dataset:
I've recently received a letter with an enclosed Notice to Judgement Debtor along with a Summons and Order of Garnishment. This letter is coming from a company named Messerli/Kramer & states that the Original Creditor is XXXX XXXX XXXX XXXX. I am unfamiliar with this bank as I have lived in NE my entire life. I personally have not had any loans, credit cards, etc for well over 10 years. I have no knowledge as to what this is all about and am asking that something be done regarding this. I just recently started working after our youngest got into school full time, but I am only working a part-time substitute position. My parents receive harassing phone calls for me, which I am assuming is from this Messerli/Kramer as well. With regards to this XXXX XXXX XXXX XXXX, I have been doing some research on them and have found that there had been a lot of fraudulent activity happening within their organization. Messerli/Kramer has been causing Hard & Soft inquiries to my credit, which I have finally started to get improved over the years after filing bankruptcy.
Suntrust Mortgage is incorrectly reporting information for Account XXXX in my name, XXXX XXXX This account relates to a mortgage that I cosigned for in XX/XX/XXXX for my mother XXXX XXXX This was a second loan ( approximately {$10000.00} originally ) on a property and was original purchase money and located in XXXX, AZ. In the fall of XX/XX/XXXX this loan went into default and the property was foreclosed on in XX/XX/XXXX. At that point in time per Arizona ant-deficiency law, we were no longer liable for any deficient amounts left after the foreclosure sale. Suntrust has continued to report misinformation. Currently, this account shows a charge off on XX/XX/XXXX that is negatively affecting my credit. This mark and anything after XX/XX/XXXX should be removed as I was not liable for any amounts after XX/XX/XXXX ( and therefore not liable to receive additional negative credit ). After multiple attempts at contacting XXXX and Suntrust Mortgage and hours of hold times with Suntrust, I have not been able to resolve this on my own. Suntrust Mortgage has also hung up on me twice over the years trying to resolve this.
Equifax had a breach of more than 143 million Americans personal information, including mine, earlier this month ( XX/XX/XXXX). To this date, I never been notified by the company that my information has been put at risk. The only reason I know about the breach is through news reports, and the only reason I know my information may be part of Equifax 's data breach is because I entered my SSN on their website as prompted to do so when trying to find out if I was affected and was informed I potentially was. I was then prompted to take steps to have Equifax send me an email to freeze my credit which has been nonexistent, like everything else with this company.
Last Saturday, XX/XX/XXXX, I contacted Equifax via email per instructions on their website to put a freeze on my credit and have yet to hear anything from the company. No email, no letter, no phone call. Nothing. I even contacted the company a second time this week ( XX/XX/XXXX) to no avail, which is completely unacceptable. If Equifax was trying to collect a payment from me, they would have no problem contacting me. Multiple times in a day, I am sure. But now that they comprised my personal information, putting my financial profile at risk, they are silent and I have no recourse? How can that be possible?
On XX/XX/2016, this debt for {$1500.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
This company try to collect e debt that not belong to me .The credit bureau they deleted the original creditor because they find that debt is not belong to me, and this company abuse trying to collect a debt that not exist
My student loan was transferred from XXXX to Nelnet on XX/XX/XXXX. On XX/XX/XXXX Nelnet sent an email that my payment would be due the following day. In the NSLDS I am clearly listed as being in forbearance during that time. My loan was scheduled to come due in XXXX XXXX XXXX. On XX/XX/XXXX, I created an online Nelnet account. On that same day, I called and spoke with a representative about which repayment plan would be best suited to my situation. At the time, I was a XXXX XXXX XXXX XXXX and the representative suggested that I continue forbearance. The NSLDS, again, clearly lists the loan as being in as being in forbearance. However, On XX/XX/XXXX, two days later, I was placed back into repayment. Recently, upon reviewing my credit report, I noted that Nelnet has reported me as 90,120, and 180 days  late on XXXX, XXXX, and XXXX of XXXX. It is clearly stated on the NSLDS that I am in forbearance from XX/XX/XXXX to XX/XX/XXXX. I have requested that Nelnet validate the reporting of these late payments. I have filed a dispute by telephone with Nelnet. I have emailed the CEO of Nelnet. Each time the response was " Based on your request and the information you provided, we carefully reviewed your loan ( s ) and the  corresponding data furnished to the credit reporting agencies. Under the Fair Credit Reporting Act, we have an obligation to ensure information we provide to credit reporting agencies is accurate and objective. Our research indicates the data we submitted accurately reflected your loan status at the time it was reported. '' The " late payments '' that are being reported to the credit bureaus are inaccurate and erroneous and I demand that they are removed immediately under provisions of the Fair Credit Reporting Act.
In XX/XX/XXXX an alleged debt originated with XXXX XXXX was reported by XXXX XXXX. I demanded validation because I knew the debt was either too old to be my debt or it simply was n't my account. I have not authorized any utilities in my name since I married my wife. Those types of accounts always go in her name. XXXX XXXX did not validate the account they removed the account from my credit report because they lacked the evidence to support their claim. Now XXXX XXXX has purchased the same debt and is reporting the open date as XX/XX/XXXX. I did not authorize the account and on top of that they are intentionally reporting the unauthorized debt as a much newer account than what it actually is.I have included a copy of my old credit report to prove at a minimum the account opening date is invalid. XXXX XXXX needs to validate this debt prior to continuing its collection efforts. Additionally, XXXX has re-added this negative information although the previous owner has failed to provide any form of debt validation after being requested. Finally, I have filed an identity theft report to report this theft. .As stated previously, I did not authorize the opening of the account which is why I demanded validation of the debt in the first place.
We first submitted our first modification application with the assistance of the housing counseling agency XXXX XXXX XXXX , XXXX We submitted a complete package on XX/XX/XXXX for  the HAMP modification before the XX/XX/XXXX deadline. Then for the next 3 months they asked us questions about the income. On XX/XX/XXXX we submitted a Profit and Loss statement for our XXXX Income. Then they asked us for a monthly profit and loss statement which we submitted on XX/XX/XXXX, which was within 7 days of being requested. <P/>Ok then we submitted a new profit and lost that included the first quarter of XX/XX/XXXX. Then they told us they did not understand that the XXXX Income was Income. Then they said that we had to submit a new package due to the age of the information. We submitted a new package only to be told that we now are not eligible for the HAMP modification because it is after the date. <P/>We believe SPS held out the documents just so we could be outside of the HAMP Modification guidelines and deadlines. We are being pushed out of our home because we can not make the back payments. We can make the current payment but we can not make double payments.
In XXXX, after holding an American Express personal green card for 11 years, American Express solicited me to open a Gold Card account. I was a XXXX at the time, and as most XXXX, ours was run completely departmentalized. All my department 's finances were my personal responsibility. The credit backing for my gold card is mine, not my former XXXX. Indeed, I have n't even been at that firm since XXXX XXXX. Yet I only just now found out that American Express chooses, when there is a company co-listed on the account, to only provide reporting on the company 's credit, not the individual 's. I am and was XXXX. I need that credit history. Nobody explained to me at the time that by opting for the Gold Card they solicited me for, that it would mean I would give up the right to have my positive credit management reported positively on my credit reports. On XXXX for example, age of credit is the SECOND SINGLE LARGEST FACTOR in the score, and here, because Amex chooses not to report the positive credit history on my personal report, despite the full 19 years of the account being 100 % handled by me, personally. It is my credit that got the account, it is my credit that handles the account, and it is my credit management that just got the revolving limit increased by Amex of their own, unsolicited volition, to {$50000.00}. My personal credit score would be about XXXX points higher if they would just start reporting my 19 year positive history. There is no earthly reason for them not to report the positive on my personal bureaus other than their own stubborn choice. There is no law or prohibition, and indeed, would n't it be good public policy for a XXXX person to have both their XXXX and themselves personally get the credit benefit? Indeed, Amex would sue me if I failed to pay, yet they do n't give me the positive reporting for timely paying over 19 years. This is an outrage and a travesty. American Express 's only solution here is to cancel the existing Gold Card account, and have me apply for new credit. Which would FURTHER destroy my credit, because it would comprise both a hard credit inquiry, which would bring my score down, and it would comprise a brand new, one month old, not nineteen year old, line of credit, so it would make the average age of my credit even more artificially young than it already is with them giving no reporting at all on my private report. This has got to be fixed.
I recently ordered copies of my credit everything looked good until I saw all thrse hard inquiries that was not mine I instantly called and had these disputed XXXX and they put a fraud alert on my credit report I then contacted Equifax and went through the online process of disputing these inquiriesin they just sent me an email saying to contact the creditors who furnish them with the information which I did before in they told me I need to take that up with the credit bureaus I also tried calling XXXX to dispute the inquiries in everytime im met with rude people that give me fake names transfers me all over the place even people hanging up so right now I dont know what to really think or do I was advised by XXXX to contact consumer financial since I was having such a hard time getting someone to help its always that stigma guilty until proven innocent
Rushard has denied me access to my active account. I have in the account nearly $ 200.00+ a refund from a department store of {$36.00} that bever posted. I have called, emailed and posted via social media several times. I 've even spoken to someone and was told my issue is on the radar and being escalated. Rush has made several promises to call me back with a day or hour. The phone lines are down. I have been borrowing money for gas to get to work and to feed my kids until I can make it to another payday. As a single mother of XXXX this has a been a strain on me. Please help, what rush card is doing is morally wrong.
please find attached the creditors letter for which they have approved to have the delinquencies removed from my credit report.
I took out a high interest loan in XX/XX/2016. The loan was for {$4000.00} My payments were to be {$290.00} semi monthly. The payments were set up on my pay dates which are XX/XX/XXXX and the last day of the month. However, at some point the payments started changing to XX/XX/XXXX and XX/XX/XXXX of the month. So, at some point this past year and 1/2 every other payment started getting returned. I tried to resolve this earlier this year with no resolution. I also contacted the company by phone about 4 weeks ago and the customer service person wasn't able to help me again. Today I called at about XXXX and spoke to a customer service rep ( who incidentally said he spoke to me the last time ) and he still couldn't help me. He told me again that I had to call during business hours which was by XXXX XXXX  PST. I calculated that I have paid {$11000.00} towards this loan! Based on all the cleared payments on their system! When I try to view contract online, it says it's not available. The rep said he couldn't view it either. He said it appears that my loan was part of a " migration '' from another part of the company. At this point, my current balance is {$5100.00} and the principal balance is {$3200.00}. Please help me.
I was charged an annual fee of {$59.00} for my Capital One Venture card on XX/XX/2018. A couple days after that date, I called Capital One to downgrade my card to a " Venture One '' card which has NO annual fee. I was informed that the annual fee would be reversed, but I did not see the credit after one month. 

Today ( XX/XX/2018 ), I called the bank to inquire about the fee, and I was told that they can not waive the fee. I believe this is unfair because 1 ) I downgraded the card after a few days of annual fee posting and 2 ) I will not be receiving the benefits that the annual fee provides.
I received notification about disputing this debt AFTER they had already placed it as a collection on my report. I was NEVER given time to send in my written dispute regarding this invalid debt. It was with another agency and the information could NOT be verified therefore it was removed from my reports. This company has FAILED to verify that I owe such debt.
Hi a wire was send to pay, {$4000.00} and one for {$350.00} for shipping.for an invoice, for a total of {$4300.00} thru Wells Fargo Business account, the same day that was Re-send was stop by me in the same day XX/XX/2017 that was a Friday, was stop by me, at the Bank with an officer and with wire customer service, the wire customer service, do to be Friday their left it for the following Monday the XX/XX/2017 this is neglecting in their part, and their send the funds anyway, now we are out the funds and their just washing their hands, telling me is to late, there is no way we going to lose that money, so we ask to help us in this matter Banks always get away with murder, their always committing fraud again customer and no body cares, we ask that their credit our account do to their neglecting specially today that everyone is a victim of fraud daily.
Fraudulent inquires have posted to my credit file I did n't NOT Authorized I should have police reports on file with company as I 'm an victim of ID Theft this is FRAUD and I 'm demanding these Inquires be removed ASAP!
My wife had a social security payee account with chase her mom was the payee on. Her mom was not allowed to use the account aside from giving my wife her payment, however she used it is her own personal account and over drafted it so badly repeatedly it hit - {$270.00}. 
In response to this chase pulled the overdraft out of my joint checking account I share with my wife despite the fact she has no access to the payee account her mom had been using illegally. We contacted chase snd they refused to refund us the overdraft on the grounds the payee account was in my wife 's name despite the fact my wife had no access to it.
On or about XX/XX/2018 I met with a Chase banker, reviewed credit card options and selected a Chase Freedom card with rates offered at 17 %, 22 %, and 26 % depending on credit. I was granted a card but with a 26 % rate and refused/cancelled the card. 

I waited a month or so and this week applied again in person for the Chase Freedom unlimited card to see what would happen. I was given {$26000.00} of credit but still at the higher rates. I cancelled the card while at the bank. 

As someone with a FICO score of XXXX, a 30 year relationship with the issuing bank, etc. I concluded that these are worse than teaser rates in that I wasn't granted a low rate that kicked up but lured into a product based on false rate advertising. If only some minuscule percent of applicants can access a product benefit, then that benefit isn't real and shouldn't be offered. 

As a closing comment, I'm a XXXX XXXX and XXXX as a XXXX to XXXX XXXX XXXX on the XXXX of XXXX XXXX including XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. XXXX is a sponsor of this program and I will need to reach out to our national volunteer office to recommend changes to our materials.
Outrageous over draft fee of Bank of America and Rude behavior of customer service rep when called for resolutionI am having Checking Account in Bank of America and I When Travel to XXXX on my XXXX and bank of America Does n't have any ATM's/Bank Center to Deposit the money to Meet Bill payments, When I have Bill payment scheduled to pay on particular day and During that Period on Travel ans also extended stay I ca n't able to deposit money to meet the bill payment and Bank of America need to facilitate some kind of method to handle with out having charges from other financial institutionsThe XXXX Over draft charges of {$35.00} each XX/XX/XXXX
I have been attempting to resolve this issue for the past couple of months. My wallet went missing sometime last year and ever since then i have been getting inquiries placed on my credit report.
On XXXX/XXXX/15 I requested Portfolio validate an account appearing on my credit report. They have yet to respond to the request.
Bank  of America investigator n amed  XXXX   XXXX  has left me a voice message claiming she has replied to my complaints, also she admitted it to me on the phone, so,,,,,,,,,,, in fact she is now held liable in her private capacity unless she can produce a bond or liability insurance, The response that she claimed she mailed to me is attached in this complaint in the PDF, Bank  of America  and  XXXX   XXXX , are guilty of information breach, I never consented to BoA giving my information to their co-contractor criminal friends!!! they gave my information to   XXXX  , and are using   XXXX   for means of extortion , ill g et to that in my next complaint, but anyhow, BoA and  XXXX  are using fictitious names as shown in the PDF which is a SERIOUS CRIME!!! my name is  XXXX   XXXX , not  XXXX   XXXX , im not a vessel or some type of dead entity such as a bid bond, performance bond, or a securities exchange, or whatever else they do in secret,,,,,,, trading peoples names as bonds and getting paid from the united states treasury and so forth!!! these micreants!!!     NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS  )  in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under  Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {&gt;= $1,000,000} fine.
Hunter Warfield is collecting a debt i have requested validation of the debt and not received it as of yet. The letter I received from them states the client is XXXX XXXX at XXXX XXXX, I do n't owe XXXX XXXX at XXXX XXXX. 

Also the initial request was made XXXX/XXXX/2015 and follow up request made XXXX/XXXX/2015 and XXXX/XXXX/2015. I have been ignored. 

The only correspondence received from Hunter Warfield was on XXXX/XXXX/2015 stating they would investigate and remove the reporting ; however that never happenend
XXXX XXXX sued me to collect a debet and I just receveived notice today, XXXX XXXX, 2016. I have been trying to pay them for over 3 years, but they wo n't accept any payment terms accept payment in full or {$700.00} a month which I can not afford. I was paying on the account continuously until I lost my job at which time, I was paying, but below the monthly minium. They sent me to collections despite the fact I was actually making payments. When I ceased making payments due to lack of employment, they would not work with me to set up agreeable payment arrangements. They even shut off my online access so I could n't make any payments. How can I pay if you wo n't let me pay? Ridiculous. I then put the account in a debt management plan, which the ignored and still sued me. I was not made aware of this was happening. Every attempt I have made to pay they have ignored and/or said it was not enough. Seems to me something is better than nothing. Then to sue me without me being notified is disgusting. XXXX XXXX is a terrible company that is perfectly happy with ruining your character and credit. They wo n't work with you at all. Everyone warned me about getting a credit card from them.
this extortionist XXXX wants me to pay them for violating thier end of the cardholder agreement. 

refuses to reverse transactions-allow 4 fraudulent trnasactions wo my consent refuses to reissue card ( XXXX refuses to do it ) refuses to update address ( 3mos ongoing, mail was stolen ) refuses to ack IDT.gov report abuses my credit file to extort me for money ( a felony ) but refuses outright to deal with the matter. Ive snet over 6 emails and letters to CEO. keeps munging my accounts. will not close wo payment ( extortion ).
repeatedly " updates '' to avoid penalties w the bureaus ( as do other companies ) yet there is no paper trail whatsoever sent to me.
was never late previously but reports as such and denies me credit because THEY CLAIM I was late. I had upright law firm on retainer. THEY COULDNT COLLECT ANYWAY.
I paid off a  XXXX  's credit card through a debt consolidation plan called  XXXX   XXXX  on  XXXX    XXXX  .  XXXX  brought a " ghost '' debt in  XXXX    XXXX  . I have sent them and  XXXX  documentation proving that this debt was paid to no avail. The account number are almost identical but  XXXX .  XXXX  's account has an extra zero.  XXXX  will not remove this debt from my credit report despite writing several letters including a statement from my debt consolidation plan.     Attached is a statement from my debt consolidation plan.     What else can I do?     I can be reached at  XXXX .      XXXX   XXXX   XXXX
Recived a notice that our monthly payment will be going up with not explanation. When we called they informed me that my Home insurance and Taxes went up dated back to XXXX, 5 months later is when that increase my payment and asking for me to pay the overage sinceXX/XX/XXXX.