WillisBack/dataset-financial-user-claim huggingface dataset:
Around XXXX of XXXX I, along with my employer, suddenly received an income execution from the XXXX about a default judgment allegedly entered against me back on XXXX XXXX, XXXX by Colorado Capital Investments. The original judgment was {$1600.00} and with interest the income execution now totals {$3600.00}. When I called Colorado Capital Investments ( as advised by the Marshals office when I told them I had no clue what this was about and why did they also send info to my employer ) Colorado Capital Investments informed me of the default judgment they had against me and that the XXXX were to collect on the debt. I explained to them I was never made aware of a default judgment entered against me and did not live in the state of XXXX from XXXX through XXXX so could never have received any notification of such. I was not even sure what the judgment default was for because it is over 12 yrs old. They said they would send me some paper work and ended up sending me forms saying they received my complaint of " fraud '' and requested info such as a drivers license, etc to prove my residence back in XXXX. I have no such info as requested, it has been over 15 years since XXXX and I was required to turn in my XXXX license in when I received a license XXXX when I returned in XXXX and I did not keep things such as residential leases, utility bills, etc from XXXX to prove my residence. More importantly, I never alleged fraud of any kind. I told them there had to of been process of service issues considering I did not live in XXXX at any time near XXXX. So not only did I not receive a summons and complaint, but I also never received notice of the default judgment entered against me. It is unfair practice to let a default judgment sit and collection interest for 12 years and then finally act on it when the interest is higher than the amount of the judgment. Moreover, I told them that when I began law school in XXXX I received a full credit report on myself to ensure that I corrected all debt issues before I graduated law school this past XXXX so that I did not have any difficulty passing the Character & Fitness portion of the admission process and advised them that no such judgment has ever appeared on my credit report. Because I was unable to come forward with any documents of where I lived in XXXX, Colorado Capital Investments and the XXXX office have continued to contact my employer only!
Someone calling him/herself XXXX XXXX XXXX has contacted me attempting to collect an alleged debt. I have demanded that XXXX provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that XXXX is authorized to act in loco creditore. XXXX has failed to provide all of the information I requested.
On XX/XX/2018 I was ordering online a mattress pad from XXXX 's online when a pop up asked if I wanted to apply for a XXXX 's card. I had unlocked my credit to apply for a XXXX 's ( which went smoothly ) and a XXXX 's card from XX/XX/2018 to XX/XX/2018 to do so.I was told by experian that it would be good to place a fraud alert since I was removing my credit freeze for 3 months. So I said that would be fine even tho I have never had any fraud. I applied for the XXXX 's on the pop up on XX/XX/2018. I could not see anywhere on the pop up that the application had gone in. On XX/XX/2018 I called the XXXX, XXXX number and asked if they had received the online application. The representative said just give me your information and I will put it in and they will contact you. I then received a letter from XXXX, s XX/XX/2018 saying declined unable to verify identity information. They had used experian. On XX/XX/2018 a letter from XXXX, s again saying declined because I was recently declined.They had used experian. I called XXXX 's to explain the above situation of 2 applications. The representative had no answer for me on what to do. On XX/XX/2018 I received a 3rd letter from XXXX 's saying I was declined because unable to verify credit reference due to security alert. ( which experian had recommended ) and they had used experian. I called experian for my credit report and it was fine.They had no answers for me. I would like to know why I could not get a supervisor at XXXX 's or Experian to look into this and help the consumer ( me ) .I understand XXXX 's is not obligated to issue credit to anyone.This is however a very frustrating to me since I trusted both Experian and XXXX , s.
I have a car loan through Schools First Federal Credit Union and have had difficulty dealing with them in terms of receiving billing statements and written communication about the status of my account. In addition, they have given me misleading information over the phone which has led to the placement of my vehicle into " repossession '' status. I also have attempted to rectify the payment issues and have made several calls to their customer service department, but the representatives are not helpful and appear to be determined to repossess the car regardless of my attempts to bring the account current. 
I use the car to get to work and depend on the car as my sole form of transportation. I also utilize the vehicle for advertising purposes for a travel agency business and the vehicle currently has a " wrap '' for XXXX on it because I also use this vehicle to advertise for the travel business. The actions of School First Credit Union have caused me a great deal of XXXX frustration and my requests that they communicate with me through mail and written statements have been ignored. When speaking with their phone representative XX/XX/XXXX, I specifically asked when I needed to send in a payment, and was assured that if I mailed a payment in before XX/XX/XXXX, that it would be credited before the 60-day late period. I also mailed a payment to them on XX/XX/XXXX which would have put my account within the 30-day late period if they had accepted these two payments. I am anticipating bringing the account current right away but because they will not accept my payments or honor what they indicated to me on the phone, I am unable to do so. This has caused a great deal of emotional distress and places my ability to work into jeopardy. 
In addition, my parents are both deceased and I am divorced and have no other source of financial assistance.
Dear Sir/Madam Please be advised that I just received a phone call on XX/XX/2018, from a person claiming to be from Social Security, stating that my Social Security Number was suspended. The call came from XXXX, which is the actual Social Security Hotline. 

My husband also called the local police while the person was still on the phone, and we alerted the person that we were reporting him to the police for fraud. 

He gave me his name as Officer XXXX XXXX, Badge Number XXXX. I spoke to Social Security and they assured me that none of their employees have Badge Numbers. 

He stated that my Social Security Number was suspended and there was an Arrest Warrant # XXXX for the perpetrator who is from XXXX XXXX, TX. He stated the Case # XXXX XXXX and then gave me an address of : Social Security Administration XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 

XXXX, MD XXXX I alerted all the credit reporting agencies and my banks so that they are aware that I have not given my information to anyone, and they should be aware that this scam exists to protect other customers. I could not get through to Experian on the phone or on their website to put a Fraud Alert on my account, and want to make sure that they do so immediately to protect my credit. However, XXXX  and XXXX have initiated a FREEZE on my credit accounts, so no one should be able to access my credit information without my permission. 

Should you have any questions or clarification, please feel free to contact me. 

Thank you for your courtesy and assistance in this regard. 

Sincerely XXXX XXXX XXXX ( XXXX ) XXXX
The company Wakefield and Assoc is reporting XXXX accounts in collections for XXXX medical account. They broke the XXXX debt down in to under {$20.00} increments and servery impacted my XXXX credit score over XXXX points.
XXXX XXXX Care Credit Account I requested that my XXXX give me a proper treatment plan, and a written diagnosis, after he changed course from fixing a few XXXX XXXX for a few thousands dollars, to a total XXXX XXXX totaling $ 35,000.00+. 

My XXXX refused my request for a new treatment plan and diagnosis, then wrongfully abandoned me by stating that he 'was in way over his head '? 

And then, in the same email, my XXXX  gave me an unqualified psychological diagnosis of XXXX XXXX XXXX so he could justify his abandonment, and keep the fees I already paid via XXXX XXXX ( Care Credit ). 

Point of fact, the XXXX  charged my credit card to it's maximum of {$20000.00} in a rapid manner ; then I had to fight for a partial refund of the XXXX  HE NEVER INSTALLED ( refund of {$6500.00} ; only given after I filed dispute with XXXX XXXX ). 

In addition, I ended up speaking with the NV Dental Board and they recommend I go to a XXXX  at XXXX XXXX XXXX  ; which I did. And my new XXXX has informed me that all work done by the previous XXXX would have to be redone because it was faulty. 

XXXX XXXX ( Care Credit ) has refused to refund the remaining charges ( {$1800.00} on XX/XX/XXXX ; and {$10000.00} on XX/XX/XXXX ). And I have communicated with them and the original provider for several weeks ; and to no avail.
I was a XXXX hired to do the signing for a Discover Home Equity loan on X/X/17 in XXXX, CA. I agreed to do the loan signing for {$90.00}. I have received 2 checks for the payment from the third party, Mortgage Docs Inc in XXXX, CA for payment, both of which have bounced. The loan was closed and funded due to my services. I have contacted the loan officer at Discover multiple times as well as spoken to supervisors, all who have promised to contact me regarding my payment, however no one has.
TO WHOM IT MAY CONCERN, I RECEIVED A LETTER IN XX/XX/XXXX FROM THIS COMPANY STATING THAT FOR A REDUCED SUM OF {$690.00} THEY WOULD AGREE TO ACCEPT THIS AMOUNT AS PAYMENT IN FULL FOR THE ACCOUNT BALANCE FOR A COLLECTION ACCOUNT AMOUNT FOR XXXX. I CALLED THE COMPANY IN XXXX AND SPOKE WITH A REPRESENTATIVE AND ADVISED HIM THAT I WOULD LIKE TO GO AHEAD AND ACCEPT THE OFFER AS PRESENTED, TO RESOLVE THE COMPLETE ACCOUNT BALANCE FOR THE SUM OF {$690.00} AS AGREED UPON TO SETTLE THE DEBT. THE CUSTOMER SERVICE REPRESENTATIVE COMPLETED A RECORDING OF THE TRANSACTION AND WE AGREED TO PAYMENT TERMS OF THE {$690.00} AS FOLLOWS : {$50.00} ON THAT DATE AT THE TIME OF THE CALL PAID BY DEBIT CARD, {$320.00} TO BE PAID FROM MY DEBIT CARD ON XX/XX/XXXX AND FINAL PAYMENT TO PROCESS FROM MY DEBIT CARD FOR {$320.00} ON XX/XX/XXXX. THE PAYMENT FOR {$320.00} WAS PAID DIRECT ON THE DEBIT CARD AND PAYMENT PROCESSED TO THIS COMPANY SUCCESSFULLY. THE COMPANY NEVER COMPLETED THE FINAL TRANSACTION TO PROCESS THE PAYMENT AS AGREED ON RECORDING, FOR THE FINAL PAYMENT ON XX/XX/XXXX FOR {$320.00}. WHEN I CONTACTED THIS COMPANY TO FIND OUT WHY THE XXXX MAJOR CREDIT BUREAUS ARE REPORTING FROM THEIR COMPANY INACCURATE INFORMATION, THAT A BALANCE IS STILL OWED FOR THIS ACCOUNT WITH A BALANCE OF {$1000.00}, I WAS TOLD THY RECEIVED A LETTER PRESUMABLY FROM ME ADVISING THAT I WAS NOT GOING TO PAY THE DEBT AND THEREFORE THEY CANCELLED THE FINAL PAYMENT SCHEDULED TO COMPLETE ON XX/XX/XXXX. I PERSONALLY NEVER SENT A LETTER TO THIS COMPANY ADVISING THEM THAT I WOULD NOT HONOR THE PAYMENT AS SCHEDULED TO COMPLETE ON XX/XX/XXXX. I NEVER RECEIVED A PHONE CALL OR VOICE MAIL MESSAGE REQUESTING I CONTACT THEM TO DISCUSS THE LETTER THEY RECEIVED FROM SOMEONE AND TO CONFIRM THAT I WAS REFUSING, AFTER INTIALLY AGREEING BY PHONE RECORDING ON A PREVIOUS OCCASSION TO PAY THE DEBT. THIS ERROR BY THIS COMPANY IN NOT PROCESSING THE LAST PAYMENT WHICH THEREBY WOULD HAVE CLEARED THE DEBT I CNT FIND A APARTMENT TO LIVE. THE Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. THYEY CONTINUED TO REPORT THE DEBT TO THE BREAUS ALTHOUGH THEY STATED THEY RECEIVED A LETTER FROM SOMEONE STATING THEY WERE DISPUTING THE DEBT. THE COMPANY FAILED W/IN THIRTY DAYS TO PROVIDE ME WITH VERIFICATION OF THE DEBT AND TO ADVISE THEY WERE CANCELLING THE AGREEMENT IN PLACE TO RESOLVE THE DEBT UNTIL THE VERIFCATION PROCESS WAS COMPLETE. IF THEY BELIEVED A LETTER WAS FROM ME, THEY STILL SHOULD HAVE SENT A UPDATED BILL FOR THE BALANCE OF THE ACCOUNT AFTER THE PREVIOUS PAYMENTS CLEARED AND ALSO VALIDATION OF THE DEBT WITHIN 30 DAYS AFTER RECEIVING THE LETTER THEY CLAIM I SENT. I ASKED THE REP TO SEND ME A COPY OF THE LETTER ; I ALSO ASKED IF THE LETTER THEY RECEIVED HAD MY SIGNATURE HE DECLINED TO ANSWER. I WAS TOLD BY THE REP HE WOULD ONLY READ THE LETTER TO ME AND REFUSED TO PROVIDE ME WITH A COPY OF THE LETTER.
On XX/XX/XXXX I disputed an account from XXXX XXXX on my report. The information says transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. I received results in the mail with the same incorrect information still reporting. On XX/XX/XXXX I filed a complaint to the company. Their response still has not removed the incorrect information. This letter is in response to your recent claim that XXXX XXXX  has verified this account to be accurate. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. 
I am unaware of ever transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner with this bank. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this transacting ( or attempting to transact ) in an unauthorized or prohibited manner, bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the file you maintain under my Social Security number. 
You have 15 days to verify this information and to provide me with a document bearing my original signature. If you can not, I am demanding removal under the Fair Credit Reporting Act. 
This report is severely restricting my banking abilities.
Hey I got a letter in the mail dated XX/XX/2019 saying I applied for a credit card and said denied. I did not apply for this card this was fraud. I did not approve of any authority to request this card for Santander Bank. I called Santander today XX/XX/XXXX to get to the bottom of this and told them it's fraud. They said best to dispute this and that they will try to remove it as soon as possible since this was not authorized by me nor did I sign anything.
I made a bill payment using TD Bank 's Online Banking bill payment feature for the first time. The bill was to be paid on XXXX XXXX, 2015 and the payee was a XXXX Credit Card. The day after the bill was to be paid, the payment was shown as 'paid ' in the Bill Pay XXXX Bill History screen but does not show as having been 'paid ' in Account XXXX Account History screen nor does it even show as being a 'pending ' transaction '. I called TD Bank customer service and was told by the agent that despite the bill being shown as 'paid ' on the bill payment screen, the bill would only be deducted from my checking account when TD 's credit card department had 'cashed ' the paper check that TD, the Bank had sent to them. They could not tell me when that would occur but that I should " keep in mind '' not to spend the money or the account might go into an overdraft situation. What kind of trickery is this? Showing a bill as 'paid ' and yet not debiting the account until some future, indeterminate time? How many TD customers must believe they have paid bills using TD Bank 's online bill pay system only to discover that they had not? If I were very cynical, this process seems another way to deceive customers into overdrawing their accounts, thereby allowing the bank to charge overdraft fees. Citibank, the other bank with which I pay bills, deducts the account at the moment the check is drawn or the electronic transfer is made. There is never any confusion there.
I have recently come to the conclusion that I have been victimized by the work from home online business scam and I would like assistance disputing the charges paid to these fraudulent company. I am requesting all transactions with a company by the name XXXX XXXX XXXX, XXXX on my Simplicity card be disputed I paid them on XX/XX/2016, after they contacted me by an unsolicited telemarketing phone call.They charged me {$3000.00} for an online at home business. They charged me {$500.00} on my card and they were supposed to charge my bank account a monthly of {$120.00} per month. I cancelled my services with them within the 3 day cancellation period. I have allowed more than enough time to pass so they could refund me. I have come to the realization that they took advantage of me. Also they never provided me any services.
I paid {$75.00} annual fee on my checking account with Suntrust. This fee was paid for account benefits that include XXXX XXXX XXXX reward for each {$1.00} spent. However, they changed rules in XXXX 2015 and now XXXX XXXX XXXX reward will be rewarded for each {$2.00} spent and they also limited the maximum award to XXXX miles per month which makes this checking account absolutely useless for me. I paid {$75.00} for the full year of advertised benefit and I am not getting it anymore so I believe that bank must refund me my annual fee for this year.
My name is XXXX XXXX, I used the have an account with Ocwen Servicing Loan as a line of credit account started in XXXX. From the very beginning, there were billing and posting error to this accounts. I tried to work with different customer service and service manager to correct the payment posting in the correct months and they refuse on several occasion replying that they are working on the errors. These posting error went on for XX/XX/XXXX when the account were sold to XXXX XXXX XXXX. Though this loan, I tried to get this company to converse this financial product to installment loan. The company refused to change the loan while keeping the loan as line of credit with 35 % daily interest. Every month I would ask for confirmation on how the payment were being posted and the company did not email their internal record.
First Source Advantage called from XXXX asking for me by my maiden name, which i have not used since 1990. All they would say is the call was being recorded and would provide no additional information. I did not provide them with any info, but it has to be a scam.
I was sent a bill by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for services rendered on XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX centers billing department to dispute the bill. I was given dispute # XXXX from the billing department and was told I should hear back from them via phone. I provided my phone number and XXXX XXXX XXXX XXXX XXXX had the correct mailing address at the time. 

On XX/XX/XXXX I received a notification from a debt collector regarding the above debt in the amount of {$920.00}. I had not received any further communication about the dispute that i filed and no written communication related to the dispute i filed. XXXX XXXX XXXX   stated i owed the amount on file and if i disputed the information i would be required to send a dispute in writing to their office address. The document sent to me contains an address in the upper right corner for : XXXX XXXX XXXX  XXXX XXXX, PA XXXX In addition, the letter contains an address in the upper right corner : XXXX XXXX XXXX XXXX, TN XXXX This address is then listed again in the body of the letter as the address to remit payment. It is also the prefilled address on the stub for remitting payment. 

The body of the letter states : Your account has been placed with this collection agency for collection. 

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume the debt is valid. 

On the back of the letter i received, there is an address for the original creditor : XXXX XXXX XXXX XXXX, NC XXXX Also there is an address labeled as " Our Office Location is : '' XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX I sent a dispute, via the post office on XX/XX/XXXX, to both the original creditors address listed and the office address listed. XXXX XXXX   XXXX sent another letter on XX/XX/XXXX regarding the debt ( which i received on XX/XX/XXXX ). I contacted them on the evening of XX/XX/XXXX and advised the dispute mailing address is not the office address. I did not receive any communications between these communications, either by phone or letter. I believe this is misleading.
Freedom mortgage is the institution who is responsible for our loan. y nXX/XX/XXXX we summited our payment thru their online services as we did every month. We received a confirmation number that the payment was process correctly like we do every month. On XX/XX/XXXX ( approximately ) we received a letter from them that they never received the payment, when I logged in to my account I find out that they where correct. They express to me that the payment got reverse because an error on the routing number I told them how is that possible if in the past we have entered the wrong routing number and the system will give you an error in the page. After giving us poor excuses I told them that I logged in and the payment showed as reversed but that we do have a problem with making the payment. We proceed to make the payment over the phone they offer to remove any late fee and charges without us even asking because they understood their was an error on their end. On the XX/XX/XXXXwe received a credit alert from 2 of the monitoring company that we use that we missed a payment we got the letter on the XX/XX/XXXX and we call the same day and made the payment. We reach out to Freedom Mortgage on the XX/XX/XXXXand explain again the situation first they couldn't open an investigation because they couldn't find my account number we gave them names on the loan, address, a correct phone because they had a wrong one also provided them the loan. After that they emailed us back on because they said that they needed more information we send picture of their website showing them what kind of error their system will give you when the account or routing number doesn't match. After that they requested proof that the money was there when the transaction was made, we send that information proving that there was more than enough then they send us another letter on XX/XX/XXXX that they were unable to honer our request.
XXXX has a loan showing on my credit file that is wrong. It has late payments showing. 

XXXX/JP Morgan Chase Bank this account was in deferment the whole time. I see when I wrote in back in XX/XX/XXXX 2017 saying it was updated but nothing was change that 's why I 'm filing the CFPB because XXXX  has not done nothing on my credit report. There is no late payments when a student loan is in Deferment
I had sent Kia Financial information about my account and a bank mistake as they reported me late. After sending information to Kia, now they show me as being 2 month late