WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX states that I still owe a debt - and still shows a derogatory status on my credit report when in fact they issued me a XXXX that I filed with my 2016 tax return which was then considered as income to me and I had to pay taxes on it. They have already written the debt off as a profit and loss and I have already paid taxes on whats considered income because of the XXXX. 

I have tried to resolve this matter directly with XXXX, XXXX, Equifax & XXXX. No one will remove this inaccurate information form my credit report.
I opened a secured credit card with Orchard Bank, and deposited {$500.00} in doing so. The account was later consolidated into HSBC and then again into Capital One. I closed the account today and spoke with a representative afterwards to request return of the {$500.00} security deposit. I was told they show the account as unsecured and that the funds should have been returned to me prior. I was then told to call some other number ( turned out to be a voicemail for lady at a small community bank, with no apparent connection ). I am seeking help for the return of my {$500.00} security deposit.
I have XXXX RushCards. I have not been able to access my money since Monday morning ( XXXX XXXX, 2015 ). Until 2 days ago, i was not able to log into my account. Online, XXXX card shows as " Pending Activation '' with a correct balance of {$600.00}. The XXXX card shows an incorrect balance {$0.00}. The balance changes constantly, but is never correct. On Wednesday, XXXX XXXX, I was able to speak to a RushCard representative. I stated my problem and was told a " form '' would be " escalated to a manager '' and my card would be fixed with XXXX hours. That has not been the case. I 've tried to call back, no less than, XXXX times. Each time, the call is dropped or hung up. Last night i was able to get past the initial ringing and was on hold for XXXX hours before i have up. I have over {$600.00} that i can not use. I have a paycheck direct deposit of over {$1200.00} coming this week and i 'm terrified that i wo n't be able to access it. 
Please Help.
I have been back and forth with Prestige Financial in regards to a vehicle that was repossessed back in 2016. This vehicle was sold at auction and I never received a notice of sale. When this company sued me and ultimately was awarded a judgement against me and tried to garnish my wages. I never received notice of the original law suit or signed a proof of service. When I discussed this with the company they said that their process server did have my signature. I expressed to them that it was a forgery and the agent dismissed my concerns. I agreed to start making monthly payments with them at some point but was unable to follow through due to unemployment. I have so far made one payment to them. 
I have recently reached back out to them to try and set up a payment plan. I offered {$50.00} bi-weekly, but they are refusing to take my payment. They want {$75.00} bi weekly. I received an email form one of  their agents emailed me today and basiclly threatened me that if I do n't " voluntarily '' set up this  payment this would be my last chance. I am not sure how to take this. I am in a financial hard ship and I am doing my best to comply with them. I am so scared that they will take legal actiion and garnish my wages which will put in me a further hard ship. I cant even focus at work thinking about this situation.
LEXIS NEXIS VIA XXXX, XXXX  AND XXXX HAVE REPORTED CHAPTER XXXX A BUSINESS BANKRUPTCY ON MY PERSONAL CREDIT REPORT ... THIS IS A VIOLATION OF F.C.R.A. RULES AND REGULATIONS. I ATTEMPTED TO DISPUTE THIS ERRONEOUS PUBLIC RECORD AND REQUESTED IT TO BE REMOVED FROM MY REPORT WITH NO LUCK FROM ONE OR THE OTHER AGENCY WHO ALL BLAME IT ON LEXIS NEXIS WHO IN TURN STATE THAT THEY DID NOT SELL THIS INFO TO THE BUREAUS, AND BUREAUS STATE THEY GOT IT FROM EITHER LEXIS NEXIS OR FROM COURT, AND COURT STATES THEY DO NOT FURNISH NOR VERIFY NEITHER RESPOND TO CRAs ... where is the truth here ... .. IN A MEANWHILE MY PERSONAL CREDIT REPORT HAS SUFFERED A BIG DAMAGE, MY SCORES DROPPED I WAS DENIED CREDIT SEVERAL TIMES, A FEW OF MY PERSONAL CREDIT CARDS HAVE CLOSED DUE TO THIS ERRONEOUS PUBLIC RECORD REPORTING .... AND I CAN'T SEEM TO GET ANY ANSWERS, CORRECTION OR REMOVAL OF THIS FROM ANYONE. I JUST FILED MY COMPLAINT WITH FEDERAL TRADE COMISSION WHO ASSIGN A CASE NUBMER AND I'M SCHEDULED A FOLLOW WITH THEM, ACCORDINGLY I'M FILING MY COMPLAINT WITH YOU CFPB AND HOPE FOR THIS TO BE RESOLVED WITHOUT FURTHER LEGAL HASSLE In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

https : //ag.ny.gov/press-release/ag-schneiderman-announces-groundbreaking-consumer-protection-settlement-three-national
I SENT CERTIFIED LETTERS TO DISPUTE INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CREDIT REPORTS TO XXXX XXXX XXXX XXXX XXXX XXXX  THAT WAS SIGNED FOR ON XX/XX/2018, XX/XX/2018 & XX/XX/2018. THEY DID NOT RESPOND NOR MARK THE ITEM AS DISPUTED ON MY CREDIT REPORT FROM THE FIRST INTIAL REQUEST. THERFORE I FOLLOWED UP WITH TWO MORE CERTIFIED LETTERS REQUESTING THAT THEY DELETE THE INFORMATION SINCE THEY DID NOT COMPLY WITH THE LAW. ON XX/XX/2018 ; XXXX   SENT ME A CERTIFIED LETTER BACK CONTAINING THE ORIGINAL DOCUMENTS/INFORMATION I SENT THEM WITH A CIRCLE OF THE ACCOUNT NUMBER AND ADDED SOME MORE NUMBERS TO MY ORIGINAL LETTER. BY LAW ITS HAS TO BE MARKED ON THE CREDIT REPORTS WITHIN 30 CALANDERS DAYS. THEY DID NOT COMPLY WITH THE LAW NOR RESPOND TO MY FIRST REQUEST. THE NEGATIVE INFORMATION IS STILL BEING REPORTED AS VERIFIED. I HAVE SENT A TOTAL OF THREE CERTIFIED LETTERS TO THIS COMPANY. THEY ACTUALLY UPDATED THE ACCOUNT AS A CHARGE OFF AND INCREASED THE BALANCE. I ALSO SENT CERTIFIED LETTERS TO BOTH CB ON XX/XX/2018 AFTER NO RESPOSE TO MY FIRST REQUEST FROM THE COMPANY DIRECTLY AND THEY HAVE NOT RESPONDED WITHIN 30 DAYS OF THE NOTICE EITHER. XXXX SENT A LETTER SAYING THEY RECEIVED THE DISPUTE ON XX/XX/2018 ; 27 DAYS LATER AFTER THEY SIGNED FOR THE NOTICE BUT HAVE YET TO DO ANYTHING ABOUT THE UNVERIFIED ACCOUNTS I SENT THEM AND EQUIFAX HAS YET TO RESPOND. THEY ALSO HAVE NOT COMPLIED WITH THE LAW WITHIN A TIMELY MATTER. NO ONE IS FOLLOWING THE LAW HERE AND REPORTING INACCURATE AND UNVERIFIED INFORMATION ON CREDIT REPORTS WITHOUT PROOF. ON TODAY, XX/XX/2018, ( MR. ****** ) RECEIVED A LETTER FROM XXXX  STATING THAT THEY " NOW '' HAVE DISPUTED THE INFORMATION TO THE CB. IF THEY WERE REPORTING ACCURATE INFORMATION LIKE I STATED BEFORE THEY WOULD KNOW THAT I AM OF THE FEMALE GENDER. THE ACCOUNTS STILL REFLECT THE SAME INFORMATION JUST AN INCREASE IN THE BALANCE OF A CLOSED ACCOUNT. I CLEARLY STATED IN THE NOTICES TO ALL THREE COMPANIES INVOLVED OF THE 30 DAYS AND WHAT I WANTED TO HAPPEN AS A RESULT. I STILL WAS IGNORED.
I thought the issue was on it's way to a resolution when I received from Ditech, a Mortgage Assistance Application. After getting what was needed to send out with said application, it was sent out. Yesterday a lady came by my home and stated she was a representative for XXXX XXXX. From what I can remember, the first mortgage note was through XXXX XXXX ; later I received notice that the mortgage note had been sold or bought to/by Green Tree. Later, I received notice that the note had been sought, sold or transferred over to Ditech. Since then any letters received have been under Ditech. To have that visit from the lady yesterday, bothered, confused and frightened me, because I believed I was dealing exclusively with Ditech and the name XXXX XXXX has never been mentioned in any manner. I informed the lady that my dealings have been solely with Ditech for many years then and to the present. 

Any information you can give me would be greatly appreciated. As mentioned, it was disconcerting to now have something new come up. Thank you for your assistance. 

XXXX XXXX XXXX
Portfolio Recovery has taken old debt that was discharged in bankruptcy and added onto my credit. I spoke to different representatives and they stated the this account was purchased in XX/XX/XXXX. However, any accounts with XXXX were filed under bankruptcy. Also, XXXX XXXX purchased accounts from XXXX and while account was on my Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$550.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX credit as XXXX XXXXXXXX, Portfolio Recovery as reinstated the debt to read XXXX.
Today XX/XX/XXXX I received a alert that my credit report received a Collections account, at this point I viewed my report because from my understanding I did not owe anything. The company that was reporting was Southwest Credit Systems, LP, for a water bill I had in XXXX. I then called XXXX XXXX because when I left XXXX in XX/XX/XXXX I was under the impression that my Bill was paid before we left state. According to XXXX XXXX there was still a generating Bill that had not been sent out. I was then asked why I was not notified by phone of this debt with me out of state I was would of paid what I owed from generating Bill, lady from XXXX XXXX stated they don't call just send out notices. 

I then contacted this Company Southwest Credit Systems, LP why then was I not notified by them in XX/XX/XXXX when they got my file. The gentlemen on the phone stated that I was on DO NOT CALL LIST, I advised him this was not true. He said they sent mail to my parents house in XX/XX/XXXX BUT I NEVER GOT ANY MAIL, PLUS I DONT LIVE AT MY PARENTS I HAVE LIVED IN DIFFERENT CITY prior moving back to XXXX from XXXX. I then asked him there has to be a law in putting something on a credit report with out the proper notification of the person owning the debt, I explained to him this will hurt my credit and if they could remove the Collection on my credit report SINCE I DID NOT NO ABOUT THIS DEBT or I was not properly notified. I told him I NEVER new about this and if I did I would of happy to paid it. He stated that I could file a dispute with there company. Upon talking with him I could hear he was being coached in the back ground then he put me on hold. He then came back and said I could not remove this off my credit report or file a dispute since they are a data furnisher ( which I have no idea what that means ) he said they don't have to notify me by mail or phone that they can put what they need on a credit report. I told him this was against the law, I could still hear this lady coaching him in the back ground. I then asked to speak to a supervisor, upon speaking to her, I explained my information. But according to her they show NOTHING ME BEING A DO NOT CALL LIST. So the company was now lying to me, and she didn't know why he said that. So my question then was IF YOU HAD MY FILE SINCE XX/XX/XXXX why no phone call. She then stated again they are a Data furnisher and they don't have to call. I then explained again this was against they law, they can't just put a collection notice on a report with out making the proper notifications first. She said I could not dispute this coming off my report. Im ok with the balance I am going to pay the XXXX I owe, but I am not ok with the practices this company has, they have over 547 complaints online, and most of them are the same notifications procedures. Thank you for you time in this matter, I would just like this off my credit report please.
I have tried several times to have Midwest Recovery Systems located at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX to send me a complete verification of debt. onto this date I have not receive any documentation from them.
I had a Chase credit card years ago and went to court because Chase was trying to sue me for a {$1700.00} balance they said I owed and I did n't. The judge through the case out and said for us to settle it outside of court because Chase could n't prove I owed it. Now I have a judgment for this amount plus interest from them. I saw an article where Chase Bank was ordered to stop collecting on accounts between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I fall into this category. How can I get this garnishment stopped? Please help me
On XXXX XXXX XXXX I bought a brand new XXXX from a Toyota of XXXX XXXX XXXX through Toyota Finance Service ( TFS ). The car turned out of a brand new - it is UNWIND. So I returned the car on XXXX XXXX XXXX because the dealership did not tell me it is UNWIND car for some reason. The dealership told me I should get my money back within 2-3 weeks and told me not to pay my second payment. On XXXX XXXX, I got a phone call from Toyota Financial Service ( TFS ) about my payment. I explained to customer that the deal was cancelled and I should got my first payment back. On XXXX XXXX XXXX, I got another call from TFS, I explained to her again, then the phone call was forward to Customer Resolution (? ). XXXX XXXX told me she will report to Credit Report as Volunteer Surrender within 24/48 hrs. I have asked her to call the dealer to confirm the fact. She told me she does not have their address and phone number. I have to provide that to her. This info should be in the loan docs. I have to search and provide her that. She told me to get the proof that the car was previous owned. I told her I dont have this information because at the end of XXXX, the dealership asked me to sign DMV paper again because I have not received the license plate. He asked me to sign a paper that stating the car was previously owned because it is UNWIND. I told him no and he left the office more than 10 min. so I left the dealership and then email my salesman that I want to return the car because it is not new for my son. My family is very upset that they sold me previous owned car. I have requested XXXX XXXX to email me when she will put bad credit report on my report. As of now, I got nothing from TFS.
Hello Sir, XXXX XXXX XXXX XXXX XXXX has a checking account # XXXX XXXX XXXX at Bank of America ,XXXX XXXX, CA XXXX. 
The fraudulent transaction took place from XXXX XXXX XXXX to XXXX XXXX XXXX and {$28000.00} was withdrawn by XXXX XXXX XXXX electronically thru XXXX XXXX XXXX in XXXX, Maine XXXX. 
A series of unauthorized withdrawals were made in amounts of {$1000.00} to XXXX. I, XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, am a secretary of XXXX XXXX XXXX XXXX XXXX. 

I was suffering from XXXX in XXXX of XXXX and was not able to monitor the monthly statements. 
In XXXX of XXXX we discovered that {$28000.00} was missing. We have written and called Bank of America and XXXX XXXX XXXX several times with no result. We talked to XXXX at XXXX XXXX XXXX at ( XXXX ) XXXX several times in XXXX and XXXX XXXX, but except for XXXX time he will not talk to us anymore. 

The details of XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX is as follow : Social Security # XXXXDriver License : XXXX Maine , date issued : XXXX XXXX expiration date : XXXX/XXXX/XXXXBirthdate : XXXX/XXXX/XXXXMother 's maiden name : XXXXAddress : XXXX XXXX XXXX, XXXX, XXXX XXXXEmail address : XXXXXXXXXXXX # for XXXX XXXX XXXX : XXXX Charitable Organization has been cheated and was scammed. I do n't know if XXXX XXXX has done the same thing to other accounts. Please check if XXXX XXXX XXXX and XXXX XXXX XXXX of Maine have defrauded other bank accounts in this manner. Please help us to recover our money and punish the guilty. Our address and phone number are as follows : XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX home ( XXXX ) XXXX cellWe will provide you with any paper we have. 
Thank you. 
Sincerely. 
XXXX XXXX XXXX
I believe I am being overlooked for compensation from being a victim of what Navy Federal Credit Union has done to an extrememly large number of their account holders. The following situations have occured multiple times : 1. Getting any source of available money ( large chunkes ) from my checkings or savings account to put on my credit card balance regardless of paying more than the monthly minimum payment, and having a great history doing so. That is now making my credit drop since it is a negative look, looking as if I could n't make the payment so the bank did. They did this will no warning what so ever and without my consent. 
2. Randomly freezing accounts with no warning and no reason as to why. 
3. Returning checks when I had more money available than the amount due for bills, resulting in a {$30.00} fee from Navy Federal. Also, making a red flag on my record due to the fact of giving the illusion that I am incapable of paying my bills. 
4. I was actually told by a representative they were going to be very helpful with any financial hardships, however they have completely made it worse for my family and I. 
5. When NFCU has been at fault and confronted, they act as if they have no idea what im talking about or I get hung up on mid-conversation. 
I was XXXX XXXX from the XXXX XXXX XXXX and are going through very hards times financially. Things they have done, have negatively affected my credit score. I 'm not sure how I am going to be able to pay for my auto insurance bill due to the fact that 2 months ago I paid for 2 months. I was just told today that XXXX of the checks bounced back, when I had more available money in my account than the due payment. Today I also just found out the bill that got bounced back was the result of NFCU transferring money from my checkings account to my credit card balance ( example of situation no. 1 ) without my knowing or consent. Now the insurance company is billing us for double the amount of my usual due payment. Navy Federal Credit Union has put my family and I in such a deep hole that I am afraid of not being to get out of it.
I accidentally paid my mortgage twice i n one mon th ( due to their system not showing to have received my bank 's " bill pay '' check on time ). They processed both payments at the same time a couple of days after the second payment was made. I called to ask for a refund on the second payment, as it was made in error. They informed me that I would need to submit a written letter, along with a bank statement, faxed or mailed, and that a refund would be issu  ed in 20-30 business days. They would not even handle the request over email or over the phone, the bank statement and letter had to be faxed or mailed.
Upon asking them to apply the mistaken payment towards next months payment, they said that they were unable to do so, that I would need to call back after next month 's payment was due - they gave some excuse along the lines of having to hold the money in an 'un-allocated funds ' bin, and that I would need to call them in 3-4 weeks to re-allocate the money. I was told that even applying it to principal would not count t  owards the following month 's normal payment schedule.     In an era where money can be transferred electronically in a matter of seconds, I do n't feel that it 's fair to hold my m oney hostage for a minimum of 20 days, and require a written, mailed or faxed letter to initiate the refund request. The whole exper ience is unnecessarily complicated. I feel that all of these requirements and barriers are engineered to confuse and perhaps trick consumers into paying additional fees - late payments, online/phone payment fees and/or allow them to hold the funds for internal short-term investments.
Statute of limitations has exceed on this debt. Collection agency has damaged my credit report. I am no longer liable for the debt or collection attempts. Company harasses me regarding this debt. This debt should not be on my credit report.
XXXX has made every attempt not to give me my credit report and charging me money without lettingCredit Report Summary Your XXXX  credit file includes identifying information, trade line/account information, inquiry information, public record and collection information. 

Identifying information includes information that is used to identify you such as your name, address, Social Security Number, date of birth and employment information. This information is not used in scoring. Updates to this information typically come from information you supply to lenders. 
Trade lines are your credit accounts. Lenders report on accounts you have established with them. They report information including the type of account ( bankcard, auto loan, mortgage, etc ), the date you opened the account, your credit limit or loan amount, the account balance and your payment history. 
Inquiry information contains information about companies that have requested and/or viewed your credit report information typically within the last two years. 
Public Record and/or Collection Information are public record information such as judgments, tax liens and bankruptcies. Your credit file may also contain collection account information from professional services e.g. doctors, hospitals, cable companies, etc. that have been turned over to an outside collection agency. Not all credit files contain public record and/or collection information. me see my score b/c i sued them b/c of the breach will not let me see my score but still charging me
I just received a letter from someone impersonating an officer working for the government threatening to garnish and arrest me. I have never received anything in writing from this creditor for this loan. Years ago I did apply through ACE but it 's since been discharged in my Chapter XXXX bankruptcy back in 2012. I have asked them to stop threatening and contacting me but to no avail. Now they are threatening me in a written letter which I am attaching.
Citi Cards issued me a Citi XXXX Credit card. 
Citi had problems shipping me a credit card which delayed may aces to a card for 3 weeks after i was confirmed as being approved for the XXXX Credit Card. 

Per XXXX credit card I was going to charge on XXXX XXXX for XXXX {$250.00} purchase and be reimbursed {$250.00}. In addition Citi Manger XXXX, XXXX, notified me I was also eligible for the {$250.00} XXXX XXXX charge. 

Citi has NOW REFUSED to me credit for XXXX and XXXX. Citi recognized due to misinformed agents and late delivery of card I was prevented on making the initial {$250.00} in XXXX XXXX so XXXX, Kentucky Manager at Citi cards, authorized a {$250.00} credit in XXXX. 

Now Citi has CHANGEd the credits and REMOVED my {$250.00} credit for XXXX which had XXXX {$250.00} credit. 

Citi refuses to respond to this dispute and XXXX, Kentucky Manager will not call me back in 2 months! 

Citi is unprofessional and unethical to make promises to me and not reimburse my account as promised.
I Received the following MOST FRUSTRATING! error message : '' Unable to Complete Request We are unable to complete your request. 
" What happened : You have already received your free Personal Credit Report from TransUnion ; therefore, you are not eligible to receive an additional TransUnion report at this time. " What to do : Return to annualcreditreport.com and visit the Frequently Asked Questions section for moreinformation Purchase a Personal Credit Report.
the national creditors connection inc.callin my home all time of nigh threating me about my morag payment that I paid .coming to my home .telling me that I got to pay more money.
Sent information in the this company several times. I uploaded documents directly to them when my certified mail documents went unanswered. I called and was told to mail in the documents again. I can never get a representative located in America, its always XXXX or somewhere i can't pronounce. Its several inaccurate information on my credit report, which after weeks of research and legal assistance, i now know its fraudulent. I've attached my information to be resubmitted, please remove this information. I will also attempt to upload these documents directly to them again.