WillisBack/dataset-financial-user-claim huggingface dataset:
Good morning in 2008, unknowingly to me there was a default judgement against me for XXXX, with an original creditor of XXXX XXXX, I have never had a XXXX XXXX account, I was an authorized user on some of my friends accounts but not sure if XXXX defaulted. Also I was never notified of the court proceeding or served. Fast forward to recently, instead of hiring a lawyer and going through a hassle of trying to fight a default judgement I agreed to a settlement and explained to the debt collector that it is not my debt nor was I ever aware or notified of this debt but I am willing to settle it we agreed on the amount a few days ago. I asked the debt collector to look at the files and you can see I was never the main account holder XXXX XXXX seize he does not have access to the files or he ca n't do anything for me but take my money for a debt legally speaking should n't have been mine in the first place. The debt collector can not legally validate the debt, he should not be accepting my money. Also he wo n't do the right thing in vacating the debt that was n't my legal responsibility in the first place.
Hello, I am reaching out today because XXXX XXXX recently bought a account from independent emergency physicia in a balance of {$310.00}. 
My complaint is I never gave permission for this company to buy my personal information. It is a violation of my hippa rights. 
This company holds information such as my name, address, medical services received and a list of other things that they illegally bought. 
With my Hippa rights being violated I am demanding that this company cease all credit reporting immediately to all 3 credit bureaus or I will seek damages.
I disputed a credit card that was stolen and file police report gave case number to Equifax back I XX/XX/XXXX and the XXXX account was remove from my credit file. XX/XX/XXXX the XXXX account reappeared again on my credit report after 6 years. They can not just put anything they want back on my credit file. Also I have no missed payments or collections or public records and I was denied credit for serious delinquency. I contact Equifax who verified that I do not have any delinquencies but XXXX has denied me a credit line increase due to Equifax reporting as per letter I received. I am being block credit when I have good credit XXXX score. I want Equifax investigated they told me to have XXXX call their Business off ice to straighten this out. why is the business office involved with my social security number. This is a violation of my civil rights and corruption. I want all my information at Equifax updated and correct in the business office files.
I have a collections account that was placed with Enhanced Resource Center ( corporation ) in XX/XX/XXXX regarding an XXXX XXXX XXXX cellular account that was placed in collections. I have been paying this company each month through auto-deduction from my checking account in a timely manner. I have never missed a payment. I contacted this agency on XX/XX/XXXX @ approximately XXXX, and spoke with a general rep before being transferred to a team lead named XXXX . I explained that my credit report is not accurate and they are reporting erroneously each month, as if I am not making payments. XXXX tried to explaine that because they are a collections agency, that they only report that the balance is paid in full or settled in full. I explained to him that they are reporting monthly that I am not making payments and that they are not following federal regulations, per the Fair Credit Reporting Act ( FCRA ). He stated that they follow all laws, but because they are a collections agency, that the only report on " sundays '' or monthly. Subsequently, he transferred me to the manager, XXXX XXXX. I explained the companie 's flaws and failure to follow federal laws while credit reporting. She essentially said the same statement that XXXX made. I told her that this is not federal law and that her company should be reporting each month that I am paying, instead of erroneously reporting that I was not paying. She disagreed with my statement. I informed XXXX XXXX that her company practices are not aligned with federal laws and they are flawed. To conclude, I arranged a post- dated payment to resolve my debt, so that I do not have to deal with this company ever again in my life. Their practices are unlawful, unfair, and misleading to consumers, and credit bureau agencies. They falsify information for their own personal game. Per the Fair Credit Reporting Act, this is illegal and unlawful. Unsophisticated consumers whom are unaware and are unacknowledged are at great risk.
I discovered over 80 fraudulent checks that were written by my ex wife and her family out of my checking account with PNC bank. I brought this to the bank 's attention and got the runaround for months. At the end of their investigation I was told there was nothing they could do to rectify the situation.
This issue I have may be completely legal, bit if it is something has to change- the consumer is getting XXXX and probably not realizing it!! 
I have an auto loan with Ally Financial. I lost my job in XXXX and could n't make my car pmt on time, so I called them and asked what they could do to help me so I would n't get a late history on file along with the fees. They had an immediate offer to assist me. It involved making a partial payment which amounted to the interest portion of my car pmt, and I would then pay the remainder at the time my next pmt was due. They would then move the next o mt due to the end of the loan. I specifically asked was there any charge for this help, and they said absolutely not- and my credit would not be impacted. So, I get to the balance of XXXX pmt due date and go onlune to make that portion of my payment ... .where I find whilet looking at payment history that my principal balance barely changed even tho I just paid them {$490.00}. My normal amout of a given payment is approx {$340.00} principal and {$140.00} interest, but For this month it is showing {$51.00} going to principal and {$440.00} for interest!!!!! 
I called for an explanation and for nothing more than " that is a result of the arrangement you made last month. The reas in for the additional interest is simply the extra time involved in receiving your payment. 
Had they explained this scenaruo to me when I asked them for clarification last month about what additional cost would be involved I would never in a million years agreed to do what I did. 
I have an XXXX, and the difference between a normal intwrest portion of my car payment of {$140.00} and the {$440.00} charge for processing it based on delaying them getting dull payment for 30 days boggles my mind!!! 
If this is legal they should have told me about the additional interest cost when I asked them last month to clarify any additional cost other than moving one payment to the back of the loan- which in itself I relied would cost me additional interest on that money until th e account was paid in full. I 'm sure I 'm not the first person to ask for a banks help on making a loan payment, but maybe the first to actually see what affect it had on my principal balance of my car loan. How on earth can this be legal?? 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX PS..here are the exact numbers from my loan account with Ally : Payment on XXXX/XXXX/XXXX .... {$140.00} interest charge .... {$140.00} Payment made on XXXX/XXXX/XXXX ... {$340.00} intere as t charge ... {$260.00}, so total interest charge for the month was {$310.00}!!!!!! 

The previous month shows my normal payment of {$490.00} - interest of $ XXXX principal pmt was {$310.00} Do I need an attorney, or can someone in your organization help explain how this is possible?
I sent a letter XXXX XXXX, 2016 asking for an investigation into what I believe are mistakes on my credit report things I do not recall or recognize. It has been 2 months and they have not responded to me. I read on the Internet that they were supposed to answer in 30 days, so now I am very upset.
Since XXXX of 2016, I have observed several periods of bursts of inquiries into my personal credit profile. I have contacted the 3 major credit bureaus several times to be advised that there 's nothing that they can do. They have advised that I contact the companies directly and/or contact law enforcement. I have over time reached out to all of the companies with great difficulty in getting to someone who can answer any questions. The majority of what I have heard has been to contact the credit bureau. They continually ask for my account #, not understanding that I do not have an account with them. I ask that they verify that they do n't have an account in my name. They search for my social security number and then tell me that I must have applied for credit and if I did n't that I need to go back to the credit bureau. I 've contacted the local police in my area to only be told that if there 's no dollar amount of damage, there 's nothing to really report so no report taken. 
I have spent an insane amount of time on the phone trying to get resolution but all I get is everyone pointing in the opposite direction but noone doing anything. I have 20 unknown inquiries on XXXX, 17 on XXXX and 18 on Equifax. 
I have placed a personal fraud statement on my reports directing any creditors running an application to contact me directly on my cell phone.
XXXX is currently reporting several accounts as charge off accounts. These loans were paid in full via a loan consolidation.
I expressed my frustration with trying to get Bank of America to honor this agreement with your office. I am writing this letter because I have fought and fought to save my home. Bank of America and its attorneys have refused to offer me an affordable modification under XXXX, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. In XXXX XXXX I relied on XXXX XXXX XXXX a ( XXXX ) to transfer my interest in the mortgage and note to the XXXX XXXX, yet Bank of America has not discharged the debt and is still moving to remove property from my estate. The state court has ignored my pleas in Illinois circuit court case XXXX CH XXXX. The Illinois appellate court want to dismiss the action saying that do n't have to honor the Federal Consent Order. I have went as far to seek relief in the XXXX XXXX of Illinois the case was transferred back to State Court. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller?
Coinbase somehow lost my money and locked my acct Then my acct that have been linked were unauthorized charges and money in my Coinbase acts started being sent out with out my approval Then locking my acct and charging me fees and not getting back to me or letting me withdraw my money
I am the cosigner on my granddaughter.s student loan which is XXXX serviced by XXXX XXXX XXXX. XXXX XXXX reported 4 late pyts to Experian which were actually late but there were extenuating circumstances which after several calls to both XXXX XXXX and Experian ( disputes ) they wouldn't'.t even listen. My granddaughter applied to XXXX School after earning her degree from XXXX XXXX University and paying loans for almost 4 yrs. She ca ; ; ed XXXX XXXX and was told she could have a deferment from paying the loans, therefore, she stopped paying them for 4 months and then was told she couldn't have the deferment so I immediately paid the back payments and thought this was all set. I never looked at my credit report until this year, not knowing there were late pyts on it. I have had to sign for my XXXX grandchildren for loans and was signing for my youngest one 's loan and discovered the lates. I have spoke to XXXX XXXX several times and my granddaughter has spoke to them several times and they told me every call is documented. Nobody apparently listened to my request to forgive these lates because of a error ( thinking she was deferred ). They kept saying they're valid lates. She has a perfect credit until this period of time now she has the lates and i do. I am a elderly woman almost XXXX yrs old and have never had a late on my credit report, in fact it was perfect before this incident. I spoke to several people at XXXX XXXX and after telling my story to several people including supervisors all they said was it was a valid late and did not listen to what I was saying regarding the deferment. They told me to call Experian saying perhaps they could help me. All Experian did was investigate and was told it was a valid late and wouldn't change the report. My granddaughter did not deliberately not pay these payments, she thought she was deferred. We need help to get this forgiven. I'm told these are on our credit report for 7 years if these can't be changed. My granddaughter will have to consolidate her loans so she can afford them when she finishes school again but probably won't be able too because of this error. She goes to XXXX School full time and works every hour she can at XXXX hospital to earn the money to pay these loans She is giving it her all and is volunteering to go with XXXX XXXX XXXX to XXXX to help the less fortunate ; she is really a good and reliable kid, this never would have happened if she wasn't given wrong information regarding the deferment. Please help.
When my wife and I first entered into mortgage loan with HSBC, they guaranteed that we could review and get better rate when available. We had some issues with payments early on but for past 16 months have been timely on our payments and in accordance with their requested cashier payment and monthly payment thereafter. It has been almost 2 years, and they refuse to correct late or overdue fees and will not redo our loan at a competitive rate based on todays mortgage 's. In addition, since they will not correct their records concerning late fees, our credit report with all XXXX agencies have prevented other options to get a new loan elsewhere. The HSBC/HFC local office closed down right after we got our loan and we can not get anyone via XXXX # to understand and tell us what needs to be done to get this mortgage corrected and position for new loan at less than their current XXXX % loan. We have documentation concerning payments and requests to correct issues. Attaching original cashier payment request and following payment. We have current documentation for all payments since the XXXX/XXXX/2013 Notice to Cure Request.
On XX/XX/2019, I received an alert from XXXX  saying that my credit score had decreased and one of my account had been charged off. I immediately logged in to see what was going on because I always am up to par on my credit reports because I am trying to buy a house. Needless to say it says that CAPITAL ONE AUTO FINANCE has CHARGED off my account. This is absolutely in correct because my car was totaled out from a wreck and the insurance paid their portion off leaving me a small portion which I paid off before time. I always kept up to date with capital one on this and several representatives assured me that since I paid the balance off before time that the account would not be charged off. Well I am livid, because it made my score drop and this charge off is on my credit report. I contacted Capital one last week around XX/XX/2019 and the representative looked into it and told me he was not sure why this happened, but I would be getting something in the mail.
Opened a merchant account with Wells Fargo years ago, however, was not expecting the myriad of fees to follow to include a {$10.00} fee for not checking my account online monthly, a {$25.00} fee for non-compliance although I stopped using their service in XX/XX/2016, and a {$35.00} minimum fee whether I process transactions or not. Was recently told that the cost of canceling this account is {$500.00} which I do not have. Their service is also extremely complicated and redundant as I have to log into several seperate sites to maintain my account ; compared to the other third-party service that I currently use which is much less costly and a lot less complicated. My business checking account is currently overdrawn because of the {$25.00} non-compliance fee ( and subsequent NSF charges ) that they recently added, then took away, then added again although I do not use their merchant servvices. I was leaving enough funds in my account to cover the {$20.00} basic ( agreed upon ) merchant services fee, however, they have de-activted my debit card preventing me from making ATM deposits.
I have several account on my credit report that should have been removed they where settled with the original Creditor and paid in full I would like these items removed they are not accurate please delete/remove the following account : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have some issues with unauthorized checks being used on my account and and these have all been settled. I am in the process of buying my home and I would truly like these resolved items removed from my credit report!
Dear Wells Fargo : Yes, I did receive your letter dated XX/XX/2016 ( scanned & attached on here ), but I did not receive a letter earlier dated XX/XX/XXXX as you stated. I 'd like to reiterate that I did not have nor receive your written communication XX/XX/XXXX ; therefore, I was shocked to learn that Wells Fargo had closed the account. 
While I understand but regret of your earlier response that Wells Fargo has the right to cancel or terminate at anytime, however I respectfully request that my earned points or cash credit from uses of the card until XX/XX/2016 can be redeemed since I had had no knowledge as to why. Although Wells Fargo chose to close or cancel the account as wish at anytime, I regret that I had no known earlier reason ( s ) and hope that Wells Fargo could reconsider to reopen the account, or at least fairly allows customer in my situation to redeem the earned credit as of the closing date. 
Thank you for your consideration and cooperation. I look forward to a fair resolution. 

Sincerely, XXXX XXXX
On XX/XX/2018. I went online to make a payment in the amount of XXXX. On the XXXX XXXX XXXX I checked the account that I made the payment from and noticed the money hadnt come out. I called capital one to see what couldve possibly happened and they told me to give it at least 3 days. I called back on the XXXX and was informed that I accidentally entered the account number incorrectly by ONE digit. We corrected the issue and the payment was accepted and processed. 3 weeks later Capital One closed my account without notice or an explanation. I was never notified via mail or phone call. I attempted to make a purchase and my card was declined at the register which was extremely embarrassing.
Greentree servicing fabricated a mortgage note in a foreclosure action against me. After many attempts to view original wet ink note i was finally allowed to do so last week. I have proof that it is fabricated. This will be addressed in our pending litigation. Additionallt Greetrees errors and negligence caused the alleged default and after repeated Q.W.R. and disputes still has failed to correct it. Their fraud should be prosecuted
On XXXX XXXX XXXX I sent CBCS a letter requesting validation of an account they stated I owe. CBCS states I owe XXXX for a XXXX XXXX XXXX XXXX credit card. When I first received a collection notice from CBCS I checked my credit reports and determined that the XXXX account they are attempting to collect is not my account. I tried to get validation from the original creditor but they did not provide a contract nor an agreement that bears my signature. I disputed that account with XXXX through the Consumer Finance and Protection Bureau which was turned over to the Office of the Comptroller of the Currency ( OCC ).
For the last several months, United Collection Bureau calls me 5 or 6 times or more every day attempting to collect {$340.00} - a bill incurred at XXXX XXXX XXXX in XXXX XXXX WA - a medical debt that was paid to the healthcare provider at the time of service. 

The healthcare provider has verified to me that they do not use this collection bureau and that my account balance was indeed paid and is at a zero balance. 

These are the calls just in the last two weeks : XXXX 4 calls XXXX 5 calls XXXX 5 calls XXXX 3 calls XXXX 2 calls XXXX 4 calls XXXX 5 calls XXXX 4 calls
My husband received an affidavit of renewal of judgment few days ago. It so happened that I pulled our credit report because we are looking into buying a house, well on that credit report it shows that its been satisfied since XX/XX/XXXX. We 've paid this off. So now we are being sued.
Long funding loc. XXXX XXXX XXXX XXXX. 
Had a courier give my husband a paper telling him it was a summons. No case file number not filed. It says if I did not answer it within 30 days judgment by default can be used against me.
All of my student loans are showing original principals lower than the ones I am seeing as current principals. Why am I being charged hundreds more in principal than what I originally took out. For example, one of my loans is saying the original principal and amount taken out was {$2000.00}, yet the loan 's current principal is {$2100.00}. How? 

Also, why is it that my loan has remained over {$15000.00} when I have been paying on time and for 5 years? A rough guesstimate shows I 've paid over {$4000.00} in payments and yet it does n't appear that I have. I have never defaulted on payments or skipped a payment. I have paid off 2 car loans in these 5 years, which shows that I am making payments and progress on those, yet my school loans show no progress. Why? 

I would also like to know why it is that I am not allowed to pay more up front for my loan and why I ca n't decide where my payments go.
I financed my home in XXXX I have only had one late payment in the past. As of XX/XX/XXXX I am now 51 days late on my mortgage payment. I contacted Citi Mortgage on XXXX XXXX to let them know I would pay them in full on XX/XX/XXXX that I had just gotten back to work. On XX/XX/XXXX they sent some to my home with a letter and gave it to a person I had cleaning my yard. Then my daughter came out of the home and was informed that I needed to contact them or I was going to loose my home. On XXXX XXXX.another person was sent to my home with a letter. And he also talked with my XXXX daughter. I get letters every day about this payment. Wanting me to contact them at XXXX when I call they say that I am being recorded when I say I am recording them they transfer me to anther line and hang up. This is harassment
The # XXXX robocalls my cell phone on weekdays and before XXXX. When I pick up the phone and answer, the caller does not respond and hangs up after 5 seconds.

Dates and times called : XX/XX/XXXX: XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX: XXXX   XX/XX/XXXX : I called the company and requested to not be robocalled each morning. The company stated they were unwilling to do this without have all account information verified.

I attached screenshots of the robocalls the company made prior to XXXX.
On XX/XX/2018 I received a Forearance Agreement from Seterus Inc the mortgage holder on my home. There were several discrepancies from what I was told over the phone the previous two weeks by representatives of Seterus I was told I could apply for a loan modification before the end of the agreement and if it was denied I would still be able to reinstate the loan by paying the monthly amounts past due and the difference in the forbearance payments and the monthly amounts owed The Forbearance Agreement however states " The loan will not necessarily be reinstated. '' Also on XX/XX/XXXX I received a " Notice of Acceleration '' from the XXXX Law Firm indicating they were going ahead with foreclosure. Attorney XXXX from XXXX was unaware of the Forbearance Agreement. 

Further, representatives from Seterus said they have no control over legal costs which opens the door for XXXX to rack up legal costs during the forbearance period. 







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