WillisBack/dataset-financial-user-claim huggingface dataset:
I Canceled my Credit Card or Merchant Services company and then got hit by predatory fees. I called to cancel was given instructions on returning the Credit Card terminal which I followed & from that point forward they began pulling money from my account through ACH charges. I attempted to handle it through my bank but because it 's a business account, I would have to catch the charges within 24 hours. Prestige & First Data know what banks can and can not do so they are VERY sly in changing dates, numbers, and descriptions so my bank can not just deny future charges because they will change an amount, description, or date just enough that a database can not see it. 

The Merchant agreement was sold as a FREE service with only standard % per transaction fees, $ per swipe, and NO monthly fees or charges for equipment. 

This is predatory and malicious behavior when I did my due diligence to cancel & follow all protocols as stated on the phone during cancellation. I also have my current company that offered them reimbursement for an " CANCELLATION FEES '' but they claimed there were n't any. 

I am a sole proprietor and really need your help getting my money back and stopping this company from future business dealings with me or others who might fall for the same lies played on the sales calls. 

Thank you, XXXX XXXX
When I went to court on this debt, the Plaintiff 's attorney stated that he could not provide ANY documentation or the original, or any copy of my signature on any signed contract, or any other original documents showing that this was my debt. But that because he had my name on a piece of paper, that I owe the debt. This is in violation of Federal Law.
Foreclosure began on my home in XXXX XXXX. As a result of the work related injury, I ultimately lost my job. The foreclosure on my previous home is due to lack of income stemming from this injury and divorce. I no longer live at this address and I have been employed at the same job for over 3 years now. I received XXXX foreclosure settlement checks dated XXXX/XXXX/XXXX. However, as of XXXX XXXX, almost 5 years later, the lender continues to report my loan 180 days past due with full balance owed. This is a detriment to my credit and I am having difficulty obtaining any type of financing on my own.
SEE ATTACHMENT. I AM A VICTIM OF IDENTITY THEFT. LITTON LOAN SERVICING, LP IS CURRENTLY REGISTERED AS ACTIVE WITH THE CALIFORNIA XXXX OF STATE/FILE NUMBER XXXX. LITTON LOAN RECEIVED VIA A TRANSFER OF A XXXX XXXX XXXX XXXX XXXX ACCOUNT IN WHICH I DID NOT AGREE TO NOR DID I RECEIVE THE BENEFIT OF THE XXXX ACCOUNT THAT WAS CREATED IN MY NAME AND LIKENESS. REQUIRE LITTON LOAN SERVICING, LP TO PRODUCE THE LOAN APPLICATION/DOCUMENTS/FILE AS IT RELATES TO THE LOAN NUMBER ( SEE ATTACHMENT ) THAT REFLECTS THE INTEREST RATE AT XXXX AND DOCUMENTS OF A CONVENTIONAL LOAN. PROVIDE THE CONVENTIONAL LOAN # AND APPLICATION ; PROVIDE PROOF OF LOAN PAY OFF AND REVEAL THE LENDER IT PAID OFF INVOLVING PURPORTED XXXX BANK, XXXX LOAN IN XX/XX/XXXX. SUBMIT AN ACCOUNTING AS LITTON HAS RECEIVED MONTHLY PAYMENTS OF {$1900.00} AND PLUS. SEND RESPONSE VIA UNITED STATES POSTAL XXXX XXXX XXXX
I went to Kohl 's in XXXX Montana on XX/XX/XXXX. I selected 7 mens shirts for purchase. When I reached the register I was asked to open a Kohl 's charge card and I declined multiple times. The cashier then stated she would give me a 25 % discount on my purchase if I applied. I asked what if I am not approved? Her reply was she would still give me 25 % discount. She advised me my total was {$330.00}. I discussed with her that 25 % would be a large savings on such a large amount and I felt it was worth applying to receive 25 % off my large purchase. After applying, I was not approved and the woman told me I saved {$12.00} by applying. I told her no.. you stated 25 % discount on my entire purchase. She then stated some brand-name shirts I was purchasing were excluded. I told her, wait that is not what you told me to get me to apply for your store card. She then refered to corporate policy was the problem and it was not her fault. I asked for the manager and I started to both the cashier and assistant manager that I was promised a 25 % discount on my purchase regardless of the approval for the card. I also stated that the exclusions were not disclosed to me.. in fact the cashier was very misleading, persistent and insistent I apply to receive such a large discount savings. The assistant manager was very dismissive of my complaint. I asked to speak to the store director and was told she was in but unavailable. I was told the store directors name was XXXX and provided a phone number I was told was her direct line and even if she didn't answer I could leave a voicemail. I left the store after completing my purchase. I then attempted to call the number I was given and it was the stores general number. There was no access to XXXX or any voicemail. I proceeded to contact Kohl 's XXXX number without ever being able to speak to someone about my complaint. I then proceeded to email Kohl 's cares store feedback on XX/XX/XXXX and received an automatic reply with a case # XXXX. This email said they will contact me in 48hrs but occasionally it may take a little longer. I emailed again on XX/XX/XXXX without any reply as of XX/XX/XXXX. Disclosure is a very important part of doing business and Kohl 's was deceptive, did not disclose any terms and simply dismissed my concern. It was quite disappointing and upsetting to experience. Also being highly embarrassed by having the Kohl 's employees discuss my credit denial publicly in front of the employees and customers during this incident was totally unprofessional as well.
I paid off or settled with XXXX XXXX XXXX back on XX/XX/2017. I  made a total amount of payments for {$860.00}. XX/XX/2017 was when they recieved my last payment and according to the letter they sent me dated XX/XX/2017, I have a balance of {$0.00}. I owe them nothing, {$0.00}. However, XXXX according to them XXXX states I still owe them {$590.00} was of XX/XX/2017, which is inaccurate. I have already disputed this twice with XXXX  and even faxed them the letter I have directly from XXXX XXXX XXXX that my balance actually with them is {$0.00}. XXXX  and XXXX XXXX XXXX need to update my credit report accordingly to reflect the balance owed as {$0.00}.
I have tried to resolve this alleged debt owed from  XXXX  to  XXXX . I tried to contact  XXXX  in reference to this bill and was told they no longer handle the account. I contacted  XXXX  initially via phone but they were not interested in anything besides how was I going to make payment. I had  XXXX  at a previous address other than th e one li sted on the bill that was provided to me as a validation. The previous bill was handled through an amnesty program I was awarded after the equipment was returned. I am not sure where this bill is coming from and why. I requested a contract to show me agreeing to any terms and conditions regarding this account. I am more than sure there  is not one but I  requested it just in case I was  XXXX . I do n't know how or when this account was set up. There is a previous balance listed on the statement that was provided but the statement is incomplete and does not show what the previous balance entailed. After not receiving any assistance from  XXXX  I contacted the credit bureaus directly I never received a response from the but my credit report has been updated as account meets FCRA requirements. I would like to know what documentation or information did they receive that validated this account and meets FCRA requirements.
The borrower, XXXX XXXX has been requesting a payoff or lien release from the attorney, XXXX XXXX and XXXX and Citi Bank since early XXXX. Citi ( Sears ) recealled the debt so XXXX has no authority and Citi ( Sears ) refuses to issue a payoff or lien release.
The company name on the contract is ; XXXX XXXX XXXX, XXXX. 
XXXX XXXX - XXXX XXXX. My wife and I met with the XXXX XXXX in XXXX XXXX XXXX on XXXX XXXX, 2015 in an office next to XXXX XXXX XXXX ( across from XXXX ). The sales person wasXXXX XXXX XXXX and her husband XXXX. The closer 's name XXXX XXXX. 

My wife and purchased a XXXX week residency contract for a pre-construction XXXX resort unit to be built on beach property directly behindthe offices. 

They quoted the unit at {$120000.00} regular but discounted to {$59000.00} as a pre-construction special. 
They promised us {$38000.00} for our XXXX bedroom XXXX lock-off whichis a deeded unit at XXXX XXXX, XXXX, XXXX. They desired to use our XXXX timeshare unit as amarketing incentive for other buyers. 

We negotiated the reduction of the remaining {$21000.00} down to $ XXXX to credit limits on our credit cards. We placed a total of {$19000.00} on XXXX credit cards ; American Express XXXX XXXX XXXX XXXX XXXX. XXXX contracted with a third party companyto liquidate our timeshare ; XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, phone : XXXX. The contract listed thebuyer as ; XXXX XXXX. 

I have communicated several times with XXXX. XXXX XXXX XXXX, hastold me on XXXX occasions that a meeting with the? buyer? isscheduled. XXXX XXXX now states that the process normallytakes from XXXX days. 

XXXX offered the first XXXX buyers a no maintenance fee for life incentive and a {$2500.00} annual payment to be paid directly to us for each unit shouldwe decide to release them to the company for rental at the first ofeach year. That would be {$2500.00} x XXXX weeks = {$10000.00} per year! 

We found the XXXX XXXX XXXX site to be atechnical mess and poorly maintained. We found that it the websitehad been hastily created in XXXX 2015. We found that the web linkson the site do not work and passwords can? t be reset. 

I calledThe XXXX XXXX customer servicenumber provided on the website ; ( XXXX ) XXXX. The address given isXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Maryland, XXXX. 
Once the female rep answered, I immediately heard music playing andchildren playing in the background. I mentioned this but she deniedany children were present. She was unfriendly and unable to answermy web site navigation questions. 

We received XXXX XXXX and a free resort week for attending thepresentation. We received an additional week for buying. We weregiven an additional contract to use at XXXX XXXX, XXXX propertyuntil the new property was to be completed in XXXX months. 

We also received a signed XXXX year100 % money back guarantee. I requested returnof our funds in writing to XXXX XXXX XXXX but have received no responseas of XXXX XXXX. 
I submitted a formal request to XXXX XXXX on XXXX XXXX toexercise our money back guarantee. I have received no responsesince.
I applied for an account with Discover Bank and was unaware that it was a savings account. Once I was told that it was a savings and that no debit card would be issued I chose not to have the account. The account shows on XXXX XXXX XXXX and I would like to request that it be removed off of the report.
Asking for a refund for fees charged to my account in the amount of XXXX asking for a refund for the charges XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX
XXXX has been non-compliant with removing the unverified account BEST SERVICE COMPAN XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that BEST SERVICE COMPAN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
My mortgage company, XXXX XXXX, Has not provided a mortgage statement since they assumed control of my mortgage in XXXX, 2017. I have called numerous times over the course of the last month and a half to get the issue resolved. I originally elected to receive the statement electronically through their website. Upon attempting to resolve the issue of my statements not receiving any statements, I inquired about receiving them through the mail. I was told they would be sending them. I however, have not received anything. 

Another issue I have is they have the entire history reported, but only one payment recorded to my credit. I have made every payment on time.
I have concern that the credit score reported by all three credit bureaus has improperly decreased. 

We recently started a refinance process with XXXX XXXX. When they pulled two of our credit scores XX/XX/XXXX XXXX and XXXX  rated my credit score as excellent to great ( above 760 ponts ). When XXXX pulled the additional credit report/score from Equifax a week later my credit score dropped 49 points ( XXXX points ). This has caused XXXX to deny us a refinance program that has acceptable terms with a credit score of XXXX. XXXX did pull the credit report a total of two times ( one from each credit bureau in a two week period ). XXXX explained the reason the credit dropped so much is because we have 18 inquiries into our credit report. We do not account for 10 of the inquiries and need to dispute the inquiries and drop in credit score. Can you help?
I send Nationstar a debt validation letter on XXXX and i did not get any response, i send them a reminder on XXXX and still no response even though under law they have to respond. 
I called them on XXXX and they would not give me any information. 
Please help, i need this information for my litigation
I sent a Wire money transfer on XXXX to Coinbase Inc. The bank facilitating the money transfer " XXXX XXXX XXXX XXXX XXXX XXXX '' who confirmed they received and forwarded the Money to Coinbase. Coinbase is a cyber-currency Exchange that is overwhelmed and understaffed to handled the volume of money that they are receiving. They have been in possession of my monies every since XXXX and they have not credited my account or returned my monies to this date. You can not talk to anyone over at Coinbase and they are extremely slow to even return emails. I have missed out on huge run ups on the cyber-currency sine XXXX. The whole purpose of the wire was to have it credited INSTANTLY not for it to be in the possession of a company that is not clearly giving me answers or simply returning my money in an expedient manner. Wires are easy to trace and reverse so i see no excuse for this taking OVER 2 Weeks and counting!! See attachment for dates, contact info, and Federal IMAD numbers. There a lots of other people in my same situation there is a message on Coinbase website advising degraded service on Wires denoting a huge number on customers affected.
There is an incorrect address listed for me on my credit report. It is the address of my lawyer XXXX XXXX who was my attorney for my XXXX case. The incorrect address that should be removed is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. This is showing on my Equifax report.
Our loan servicer, Seterus, repeatedly refused to review and eliminate the PMI insurance on our home loan in numerous correspondences going back over the past two / three years. They were adamant that we needed to pay them for an appraisal even through the remaining loan amount when compared to original formal appraisal in Seterus records was far below the 78 % threshold for eliminating PMI altogether. We have sent Seterus numerous letters demanding removal of our loan PMI in the amount of {$200.00}. Seterus always responded with a form letter and demand {$350.00} for a new appraisal before even considering our demand. THEN, WITHOUT ANY LETTER OF EXPLANATION or verbal communication, Seterus lowered our PMI from {$200.00} to {$53.00} in XXXX 2016. This was literally " Out of the Blue. '' They also sent us a check for {$830.00} with a notation " Overage Refund. '' As we investigated, we found that Seterus, for some reason which we have no knowledge of and have never - to this day - received an explanation of, reduced ( did not eliminate ) our PMI from {$200.00} to {$53.00}. WHY? No Clue, but this action and the fact that the outstanding loan balance amount did not drop *dramatically* ( normal month to month principal reduction ) between XXXX 2016 and XXXX 2016 supports our on-going contention that we have been overcharged by Seterus for PMI **going back years**. No one at Seterus will ever get on a phone and explain what is going on, and our written communications never give us a person to call as they are always signed " Sincerely, Seterus '' or " Your Correspondence Team. '' Our claim is that Seterus has been overcharging us on PMI for years and we are owed far more than the {$830.00} Overcharge Refund they have sent us. This is a systemic PMI overcharge that goes back years and we want a refund for all past year violations / overages and sanctions against Seterus for this action. The loan is owned by XXXX and we will be addressing this with their Fraud Division as well. 
Seterus Loan Number : XXXX Address : XXXX OR XXXX Sincerely, XXXX
I have put a fraud alert, on my credit report. I have inquiries on my credit report for, accounts, that I don't have. Never applied for and I never authorized, to have my credit pulled. 

Experian credit bureau : XXXX XXXX credit pull on XX/XX/XXXX ( bank credit card ) XXXX XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX XXXX XX/XX/XXXX ( Auto finance ) I am XXXX XXXX and have never had a drivers license in my entire life! I do not drive. 

XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX : XXXX XXXX XXXX  XXXX XX/XX/XXXX ( bank credit card ) XXXX : XXXX XXXX XX/XX/XXXX ( bank credit card ) XXXX XX/XX/XXXX ( credit card ) I also have a address at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is not a address, I live at or have lived at. This is someone else 's address, not my address.
I moved out of a home and there was communication between myself and the homeowner the amount I owed her. The amount was {$1000.00} and she emailed me with this amount from her email address. When i reviewed my items on my credit I found the amount from her was incorrect. I communicated this information via phone to the collection company listed on my report.The company then asked me to email them the conversation between the homeowner and myself in which I immediately did. I did not hear a response from the company so I reached out to them again, still no response, yet again I sent another inquiry using their site hat is listed online to contact them. The only type of response I received from them was when I ws notified that I was going to be garnished from my paycheck in the amount of {$3800.00} starting on XXXX/XXXX/2015. When I contacted the agency they stated I was served in which I was not and I explained this to them. The person I was speaking to XXXX XXXX XXXX XXXX then asked if I was XXXX '' and I replied no I am not, I am XXXX '' and this is also on my drivers license. XXXX stated the company they use to serve legal documents is called XXXX XXXX. I tried explaining to XXXX that the amount was incorrect and she told me I was also being billed for attorney and court costs. The amount that will now be taken from my paycheck bi-weekly is {$380.00} minimum which equals to approximately {$770.00} monthly. It seems asif the collection company took advantage of the fact that they seen I was willing to pay, but only the correct amount and decided to get as much as they could to make more money off of the account. I did not dispute the debt was mine, but only the amount due. I let the agency know this debt could have gotten closed out much sooner would they have responded and corrected it.
XX/XX/XXXX I am a victim of Identity Theft. I tried to report this to TransUnion and XXXX both today.
However, upon contacting them both on their websites and calling their phone numbers. 
I was blocked from moving forward because of all the FRAUDULENT INFORMATION on my credit reports. 

On Friday, XX/XX/XXXX I contacted XXXX to first report the IDENTITY THEFT. This complaint was already filed with your agency subsequently -- Complaint Number XXXX. 

Please help me to get this corrected. Thank you!
BANK CONTINUES TO SAY WE ARE MISSING A PAYMENT WHICH WE ARE NOT WHICH HAS THEM SAYING WE ARE LATE AND THUS HAVE N'T ADDED OUR PAYMENTS TOWARDS OUR MORTGAGE LOAN. WE HAVE BEEN IN CONTACT WITH OUR LAWYERS AND HAVE SPOKE TO OUR LENDER ON NUMEROUS OF OCCASIONS AND NOTHING SEEMS TO BE HAPPENING.
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2018 XXXX XXXX   XXXX XXXX XXXX from XX/XX/2018 XX/XX/XXXX
Left voicemail threatening arrest, then sent a collection letter trying to obtain information and requesting paying a debt that is not mine or do not owe, or is likely over XXXX years old from when I was a XXXX.
I notified XXXX ( XX/XX/2018 ), XXXX ( XX/XX/2018 ), and Experian ( XX/XX/2018 ) of inquiries that I did not authorize. I requested verification of these inquiries. Each Reporting Agency responded by giving me the definition of inquires as if I was asking for information pertaining to it. I am seeking for proof of my authorization for these companies to report these inquiries. This is effecting my ability to obtain credit.
I have been trying for months to remove false and inaccurate comments reported on an account with Experian. I have contact XXXX XXXX XXXX ( the account in question ), and have asked them to remove the incorrect comments on the tradeline stating the account was disputed previously. The account was never disputed. XXXX XXXX XXXX has informed me the have removed the comments to accurately reflect the fact there should be no comments on the report at all. The comments remain however. I have disputed the comments with Experian several times, and each time they have refused to remove the false comments. This account was never disputed and this is plainly false. Experian has been steadfast in their refusal to correct the mistake. Again, there should be ZERO comments in the XXXX XXXX XXXX tradeline. Anything suggesting otherwise is not accurate.
On XX/XX/XXXX, Calvary Portfolio Services falsified information regarding the date a XXXX XXXX was allegedly opened by me while the only XXXX XXXX i had was opened in XX/XX/XXXX and the last activity in that account was around XX/XX/XXXX. Calvary Portfolio RE-AGE the account and reported that the said account was opened on XX/XX/XXXX which is false. The alleged amount that Calvary Portfolio is seeking for which they are claiming i am owing is {$2500.00}. I did not open any Credit Card on XX/XX/XXXX. I have disputed this report with the credited agencies and want this false collection removed from my credit report immediately. 

According to FCRA Section 605 ( c ), it is against the law for any collection agency to re-age an account by reporting another date which is not the date of the last delinquency. Texas Debt Collection Act prohibits any collection agency from providing FALSE information and this is a violation of The Deceptive Trade Practice Act. 

Texas State statue of limitation Texas four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past due. 

Texas state laws are more consumer friendly than most states where the statute of limitations starts after the account has been charged off. 

In Texas, the Statute of Limitations clock starts on the day the last payment on the account was made. This is often referred to as the date of last activity or DLA
do not have a record that matches the information I entered. MY personal information ( name, SSN, address ).
The credit bureau are reporting a bankruptcy on my report but the court does not verify that information. Therefore that information was pulled out from a third party reporting agency, thefore it must be deleted completely from my credit report. I would like to be notify via email once it 's been deleted. My email address is XXXX