WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Health Savings Account that was levied due to a debt I have with Cache LLC. They levied my hsa account and Wells Fargo allowed them to do so knowing that the account is an exempt account from any debt levy in the state of Oregon. This is the second time that this has happened and I went to court the first time and the judge ordered in my favor and all monies had to be returned. Wells Fargo has a fiduciary responsibility to not allow this to happen. This is not only a financial burden for me, it has also hindered me in paying for my children 's dental and medical bills. Wells Fargo has caused me a financial hardship when this could have been avoided to begin with. It is unacceptable for Wells Fargo to be this negligent when the Law is clear regarding these types of accounts.
Good morning. Ive been trying very unsuccessfully to have an issue resolved with Navient about discrepancies on my credit report. These discrepancies have adversely affected my credit score and caused me to be denied because of these errors. Ive called several times and the associate has said they would get pass on the information to a manager for resolution. The issue is that my loan ( even with XXXX XXXX  ) had been in forbearance at various times. However, when I began to work I was able to have payments automatically taken out each month on a combined balance vs. two balances. Even though the payments have been coming out monthly, Navient still has several ( at least 13 or more ) missed payments showing up on my credit report. This should not be because of forbearances and monthly payments. When I could not pay, I kept this balance in forbearance. 

Not only that, these late items seem to have a fee associated with each of them which increases my debt. This must be corrected and I have tried and tried to get this resolved through Navient. I saw the lawsuit and was wondering if this has something to do with it as well. I need Navient to clean up this financial mess they have caused me. Additionally, Ive worked for XXXX  for several years and Navient will not accept me into the program to release debt after so many years of on time payments. I have at least six years or more of continuous payments which I should be able to use. I was denied because of the sort of loan this is under, but that does not seem right especially when payments are being made without fail on a continuous basis. I also want those fees and the added debt incurred monthly backed out of my balance. 

I seems like Navient is trying to keep me indebted to them vs. helping me to eliminate this debt. 

Please respond. 

Thank you, because I really need my credit report cleaned up like yesterday!
CashMax loan that was paid for.Now a company is threating me with jail time if I dont pay off the loan. That has been paid. Also says they are trying to collect on behalf of the bank. XXXX who I use to bank with. 

XXXX XXXX was the name he gave meXXXXXXXX
I have a bankruptcy on my credit report that does not belong to me I have disputed this before and its coming back as verified which can not be cause its not me, I have contacted the bankruptcy court and they gave nothing on file under my ssn .. This is the only credit report this bankruptcy is reporting on .. The bankruptcy must be linked with someone with the same name as me ... The bankruptcy court requested that I be provided with validation of my information saying this is my bankruptcy my name full and my full social security # and address that this bankruptcy is associated with proving this belongs to me because its inaccurate and there is no way it can be verified.. or I will like for this to be deleted from my credit report ... And I have a web bank account that is reporting in accurately that i request validation on and my signature or needs to be deleted ... I have a XXXX XXXX XXXX  account that I have paid off that was fruad that is on my credit report reporting in accurately that needs to be deleted and inquiries that I did not authorize that I will like deleted, I have provided Documentation For everything
I have contacted Equifax several times regarding an unknown account listed which doesn't even state a name of a company, no response Unknown collection XXXX {$18.00}
I don, t have any XXXX XXXX account since 2013!!!!??? 
I live since 2013 at XXXX XXXX XXXX XXXX XXXX XXXX NY and I live with my friend as roommate sharing the payment of her bill under name XXXX XXXX!!
On  XXXX / XXXX /  XXXX   our current mortgage company Ditech Financial LLC violated the ACH terms and conditions we had agreed to by withdrawing  XXXX   XXXX   XXXX   XXXX    monthly mortgage payment on  XXXX / XXXX /  XXXX   INSTEAD OF  XXXX   XXXX  causing our financial bank account to overdraft and acquire a OVERDRAFT FEE of - {$30.00} on  XXXX / XXXX /  XXXX  . I immediately calle d Ditech and questione d them about this unauthorized transaction, terminated ACH service and demanded a refund of {$30.00} they asked me to provide a bank statement showing the transaction and so I did on  XXXX / XXXX /  XXXX  . And I have all receipts. On  XXXX / XXXX /  XXXX   I called  Ditech again to solve this issue I asked them to refund the {$30.00} they caused my bank to originate. The Ditech employee agreed and asked me if i wanted a check or a credit on our account i asked for a check and so she said it would be mailed to me in 15 days, after waiting and waiting I called Ditech  again and was told the same thing, but I did not received anything in the mail. As of  XXXX  this issue is still ongoing they are now refusing to refund me the - {$30.00} charge they caused my bank to charge me. Recently they even had the audacity to tell me that MY BANK PAID MY MORTGAGE ON  XXXX / XXXX /  XXXX  , my bank does not decide who and when to pay! Never heard of such thing. They took it out!
XXXX XXXX has been contacting my XXXX year old daughter on her cell phone. I have sent letters to them numerous times and I have also sent them a cease and desist letters in XX/XX/XXXX and also again in XX/XX/XXXX. They have turned to contacting my young daughter. They have called her phone on XX/XX/XXXX the number they called from was XXXX. Upon that time I called back the number and advised them not to call my daughter cell phone. They back again XX/XX/XXXX using the number XXXX. The called again XX/XX/XXXX using the number XXXX. And yet they have called back on XX/XX/XXXX using the number XXXX. The constant harrassment has been affecting my daughter to the point I may have to change her number. I know this is illegal for them to contact a third party and I have sent letters to them making mention of this. XXXX XXXX collection practices are illegal and unethical. I have also made written them stating that I do not owe this debt.
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XXXX and in XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies XXXX, XXXX and Equifax. Any question can call XXXX XXXX XXXX at any time. This research was conducted more than a year ago. Case Number XXXX Phone Fax XXXX XXXX
My first dispute letter was sent XX/XX/2018. My second letter was sent XX/XX/2018 according to my mailing receipts. 

XXXX XXXX XXXX continues to report negative inaccurate information to my credit report. 

After the first letter, XXXX updated accounts to verified as accurate but ALL debts are paid off. XXXX   has not provided proper documentation as to WHY they are continuing to report negative information to my credit report. 

After the second letter, XXXX sent a letter stating XXXX is attempting to collect a debt. 
XXXX XXXX XXXX has not provided valid documentation of debts owed. 
This information is inaccurate. 
XXXX XXXX XXXX is now in violation of the FCRA and continues to be in noncompliance.
I would like to file a formal complaint against the following company with in-corrected information or my credit report. XXXX, XXXX XXXX, XXXX XXXX, Goodyear/CBNA. I have been a victim of IDENTITY THEFT. I have notified the Social Security Administration, State of Indiana and Ohio Safety Department of BMV, Ohio State Attorney Office, and the Federal Trade Commission. My brief case was stolen in XXXX XXXX, 2010 inside the brief case were my license, social security card, check book, passport and credit cards. I filed a police report, with the XXXX Police Department. I have file a dispute with all the company name above. These account are not mine, Goodyear/CBNA and XXXX
Transunion is reporting that I have a collection account. They are reporting the company " XXXX XXXX XXXX ''. They added the company to my credit file on X/XX/2017. <P/>I have no contract with such company. <P/>XXXX XXXX Reported : XXXX. XXXX, 2017
I TRIED CALLING BOTH XXXX XXXX XXXX AND XXXX XXXX TO LET THEM KNOW I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND THAT I WAS A VICTIM OF IDENTITY THEFT BUT THEY DISREGARDED THAT CONCERN. IVE NEVER HAD A CAR LOAN BEFORE SO THERE IS NO WAY THIS COULD BE MINE. I NEED THIS REMOVED AS SOON AS POSSIBLE. THIS IS NOT MY DEBT.
When I was released from the hospital, I had the hospital to consolidate all of my medical bills into XXXX so I can make monthly payments. XXXX was accidently left out by the hospital and sent for collections to XXXX. In XXXX of 2015, I contacted the agency and explained the situation and they agreed to completely remove from credit report once it was paid. I immediately paid over the phone. I recently checked my credit report and it is still on there. The hospital removed it because it was an error and now the collections agency is unwilling to remove it because they said " the rep that I spoke to did not note it. '' I can not help that the representative did not do their job. I kept my word and paid the balance, I would like for them to keep their word. I have called twice to speak to manager and each time the manager has refused to speak to me about this matter.
Ford Motor Credit, Co. XXXX XXXX XXXX XXXX  NE XXXX  Account : XXXX  Date Opened : XX/XX/XXXX Amount : {$1.00}, XXXX  1. ) This account, opened in XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, aXX/XX/XXXXthru XX/XX/XXXX timeframe. 2. ) XXXX XXXX  was enrolled in XXXX XXXX  at the XXXX XXXX University of XXXX ( located within the XXXX XXXX ) fromXX/XX/XXXX toXX/XX/XXXX. We have provided a signed statement from that institution ( Figure A ) which confirms this. 3 ) XXXX XXXX has, at no time in his life, held a drivers license from the State of Virginia. We have provided an attached Identity Theft Criminal Report ( Figure B, Analysis ) by the XXXX County Police ( Iowa ) in which their investigation, and subsequent contact with the XXXX  County ( Virginia ) Police and the Virginia Department of Motor Vehicles confirms this. Further, the only drivers license ever valid for XXXX XXXX  has been issued and maintained in Iowa since it was issued in XX/XX/XXXX. Further, the Virginia Department of Motor Vehicles confirms that no vehicle has ever been registered using the Social Security Number of my client. 4 ) The address provided to and reported by the Ford Motor Credit Company is one that XXXX XXXX  has never lived at. We have provided signed documentation from the management company which proves this fact. ( Figure C ). 6 ) The Ford Motor Credit company failed to respond in any measure to the Cease and Desist notice registered with the XXXX  Court of XXXX  County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of the Ford Motor Credit Company to comply with : Part 681.2 of Title 16 of the Code of Federal Regulations, also known as the Red Flag Rule.

The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692
I disputed XXXX collection accounts on my credit report with Transunion, that did not belong to me. On Tuesday, XXXX, I logged onto Transunion website and discovered that all XXXX collections were removed. On Wednesday, XXXX, I logged onto my XXXX account and discovered that my credit score had dropped significantly. XXXX reported that Between XXXX XXXX and XXXX that XXXX collection accounts had been removed from my credit report. These accounts are : 1 ) XXXX 2 ) XXXX 3 ) XXXX. On Thursday, XXXX, I logged onto my XXXX account and it states that between XXXX XXXX and XXXX, that a new account had been added to my credit report. The same XXXX creditors were added back onto my credit report. I called Transunion on yesterday and spoke with a representative that would not confirm to me that these items had been removed and then placed back on my credit report. I have attached pictures, showing that the accounts were in fact removed from Transunion.
XXXX XXXX XXXX in XXXX, Minnesota are trying to sue me for a possible old debt which I do not remember. They claim it is a credit card and the bill is in my old last name, a name I haven't had since my divorce over 13 years ago.

I do not even remember this and do not even know if the amount is valid. They keep updating the date as if it is a new debt, raising the cost of it and threatening me to sue me at each new job I get. I was on public assitance due to raising XXXX   kids myself and now finally off it but my take home pay is small due to health insurance. I have been a single mom these past 13 years.

I called the company they are choosing to represent them ( XXXX XXXX XXXX in XXXX  Minnesota a year or two ago for evidence that this is a true amount.

I don't remember borrowing or even qualifying for a XXXX credit card as my credit rating was low I stated that I need some statement to prove I actually had an account and how much I actually owed, for what. etc. They refused to provide that. They are about to try and sue me again. I have links to prove that they do illegal debt collection acts. I need help to get them to stop!

https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/bank-america-fia-card-services/ http : //skibalaw.com/bank-of-america-fia-card-services-found-to-engage-in-unsound-unsafe-and-illegal-debt-collection-practices/
I have a private student loan through XXXX XXXX, now Navient. My mother is the cosigner on the loan. I have been negotiating with Navient to reach a payment amount that I can actually afford. Today, Navient called my husband on both his cell and at his work number and left messages demanding I call them before XXXX or they were turning my loan over for debt collection. My husband is not listed as a contact for my account. I have no clue how they would have gotten his contact info, except for maybe a XXXX search. It seems like leaving a message regarding my loan is a violation of my privacy. Navient already calls me between XXXX times per day. In addition to that today, there was XXXX call to my mother and XXXX to my husband.
On 3 separate occasions I have submitted a formal complaint in writing to Experian requesting that all incorrect personal information be removed from my credit profile. I have sent a copy of my Drivers license and social security number with the correct Spelling of my name and that have refused to comply in removing XXXX XXXX XXXX and all accounts associated with that name as they do not belong to me
Since XXXX XXXX XXXX XXXX partner with Mitchell Rubenstein & Associates P. C. have been summonsing me to court for the same debt. I acknowledge the debt was owe to XXXX XXXX but after financial hardship, I could no longer make payments and after going for months without paying the debt I found out it was sold and bought by both parties listed above. I do not owe a debt to either parties listed above and If I did, they never listed the actual amount for which the debt was purchased ( the price less paid ) .I recently filed a complaint against XXXX XXXX but I feel as though XXXX XXXX XXXX XXXX continues to harass and embezzled money from me by claiming I owe the same amount every few months and charging interest and late fee every time I am summons to court. I have been to court a couple of time for the same case which has approximately 6 case number ( but it is the same debt ). My income is being garnished and so far {$800.00} plus has been paid toward a debt I allegedly owe to the party listed. The first time I went to court my bank account was frozen and my only income was child support. The judge order a release or the freeze of the account. I was also led to believe that the debt would have been paid in full by the end of XX/XX/XXXX. The second time I appeared in court, no one from the parties listed appeared, but yet I am charge court fees and interest. My debt ratio is approximately 6 times my income. I should not be financial bullied to pay an amount that double in interest and fees resulting in the parties listed collecting double the amount allegedly owed. My pay is being garnished, but I am being summons to court approximately every 7 to 8 months for the exact same debt.
There is no category subscribing to the problem that I am having with TransUnion credit bureau. 
I notice on XX/XX/XXXX XXXX XXXX credit card account XXXX paid and closed, last activity XX/XX/XXXX. The positive account had been removed from file on XX/XX/XXXX the score drop 72 points from XXXX. I understand that positive accounts from last activity is 10 years on credit file. XX/XX/XXXX the account would drop off credit file. The positive account is still on XXXX  and XXXX. 

I had called Transunion twice today and XXXX XXXX. I had gotten the run around by both parties. Can not add the good credit back on to my file. XXXX XXXX had nothing to do with the account being deleted.. TransUnion refuses to ad the positive account back on to my credit file.
XXXX XXXX are advising me that the bank is being slow and I got told that there doing wrong and for me to help out. If this is true on their be half please fix this problem there stating.
There are XXXX identical hard inquiries on my Equifax credit report for XXXX XXXX, 2015 and XXXX XXXX, 2015 for XXXX XXXX. I have contacted XXXX XXXX and they sent a letter stating that XXXX XXXX XXXX does not show any record of requesting a copy of your credit reporting file on XXXX XXXX, 2015.
I have a XXXX XXXX credit card that is not showing on my credit report. This is effecting my credit score negatively. I have spoken to XXXX, Transunion, XXXX, and XXXX XXXX via their customer service teams but they will not help.
I previously submitted a dispute regarding XXXX which they added collections accounts to my credit report. It was established the XXXX was the legal owner of the accounts and that a dispute was filed with XXXX on XX/XX/2017 in regards to the balances placed in collections. XXXX reviewed the accounts and informed me that they had no record of any of the balances provided by XXXX. XXXX then stated that they found updated statements for the balances after the correction were made for payments by the insurance provider. A dispute was filed against XXXX for adding a collection to my credit report and as a result the collections accounts were removed. Between XX/XX/2017 and XX/XX/2017 XXXX added the same collections accounts again to my credit report by changing the original creditor from XXXX to XXXX. They also combined all the balances for the previous accounts and created a new balance of {$900.00}. We attempted to contact the original creditor XXXX regarding this account and we were informed that no account information exist for a balance of {$900.00}. The also stated that all billing for XXXX physicians is handled through XXXX billing. We have never received a billing statement regarding a bill for {$900.00} in regards to any XXXX service. We have been in contact with XXXX XXXX XXXX billing and they informed us that the only payments that are currently outstanding includes bills for : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively. These accounts are currently being handled under another collection agency called XXXX, but XXXX has since requested that they be removed from collection due to a payment planned established with XXXX. XXXX is illegally placing collection information on my credit report after erroneous and inaccurate information has been deleted. They are doing this in violation of the current FCRA laws. I attempted t submit another dispute but was not allowed to do so by CRA 's. 

XXXX This is currently delinquent but has since been charged off. Due to the current FCRA when an account has been charge off the remaining balance is suppose to be charged to XXXX to reflect that the account has been charges off and no balance is due at this time. At this time the account still shows a balance owed. I attempted to dispute this information also but was denied.
XXXX XXXX/XXXX XXXX {$13000.00} This account is being reported without accuracy and consistency. 

For example payment history for XX/XX/XXXX are consistent XX/XX/XXXX, XX/XX/XXXX, skips XX/XX/XXXX, reports for XX/XX/XXXX through XX/XX/XXXX. however then goes to a 30-120 days late for XX/XX/XXXX and XX/XX/XXXX. My calculations for XX/XX/XXXX until XX/XX/XXXX is only one month apart so how is that 90-120 days late?

Then report for XX/XX/XXXX but skips again XX/XX/XXXX - XX/XX/XXXX. Returns only a report for XX/XX/XXXX I have been in deferment since I graduated. I dont understand the inconsistency in this reporting system but it is causing issues on my credit and holding me back from buying my house. 

I have called and expressed to a rep that I graduated in XX/XX/XXXX however she advised me they didn't get the record updates until XX/XX/XXXX. 


XXXX/XXXX XXXX {$18000.00} This is a duplicate account with different amount number and reporting information please delete it from my file or send promissory note confirming is duplication of payments received.
A FRAUD INFORMATION APPEARS ON MY BACKGROUND CHECK AND A DIFFERENT NAME AND ITS KEEPING ME FROM GETTING JOBS AND APARTMENTS.
I have a home mortgage with Chase. I had an overage in my mortgage escrow account ( due to my property taxes being reduced ) in the amount of {$5100.00}. I requested a refund of this amount and was told it would arrive in 5-10 business days. The check never came. I called Chase to find out why, and was told the check was never sent because they had to call the county to verify. I told them this money was based on an overage for XX/XX/XXXX and had nothing to do with next year. They claim the county told them my taxes would increase from {$1400.00} to {$3700.00} in XX/XX/XXXX. This is not true, so I told Chase to figure my escrow based on property tax in the amount of {$1500.00} and to send me my money. 
I received a check for {$4500.00} and a new payment based on a projected tax payment of {$3700.00} not {$1500.00}. 
I believe their actions are a blatant attempt to hold on to my escrow overage and to get me to over pay my escrow for XX/XX/XXXX so they will have to use of my money for free.
I am trying to get my credit report fixed and I was told that the bureaus have 30 days to respond, I mailed XXXX a letter on XX/XX/XXXX and have yet to hear from them. I am not going to continue to waste my time on this so please help me. My main concerns are in the letter that I have attached to the complaint.