WillisBack/dataset-financial-user-claim huggingface dataset:
Over the years I was taken to court on a old credit card debt 7 times! And 7 times it was thrown out of court being the debt collectors never showed up! But he did on the 8th time, years later. 
I was garnished at XXXX % on XXXX/XXXX/XXXX for {$12000.00} As of XXXX/XXXX/XXXX I 've paid XXXX and was wondering why the garnishment did n't stop. After getting a hold of the Court house they told me my balance was {$0.00} and some times it takes a few weeks to stop the garnishment, then, supposedly they pay you back what was overpaid. 
Now I called Portfolio Recovery Assets & they would n't tell me anything, not even how much was left or the original balance. 
Told me to have my lawyer call their lawyer, which I did and it cost me another {$400.00} to get my old lawyer back on retainer. He found out they somehow tacked on another {$6800.00} as interest and court fees! 
As of XXXX/XXXX/XXXX I 've paid {$6700.00} making me owe {$81.00} Now I just got paid today and they still took 25 % out close to {$250.00} again.I believe I 've paid close to $ XXXX-XXXX more than I should 've and need this fixed, I can barely survive.Satisfaction of Judgement has clearly been met, yet they still continue to steal my money and harass me. I 've got the Case number, the lawyers numbers, documentation of what I paid but NO documentation of the TOTAL FULL Debt and they just keep taking. Portfolio sued me through XXXX XXXX XXXX XXXX. I need help and am broke, they have taken nearly {$21000.00} on a $ XXXX debt! Help!!
I tried to close my account with XXXX XXXX. I thought it was closed. Now they sent me another credit card. It takes 7 hours to contact anyone there. I am busy at work. Please help.
I have several hard inquires, in which I have never applied for these auto loans. I was not aware that someone used my social until I checked my credit score and seen XXXX inquires that I have n't applied for. XXXX XXXX XXXXXXXX, American Honda, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Some body took it total money from my credit card withdown my outhorizationn now is invertigation for 3 months and I do n't receive any answer from the Bank.
Barclaycard - I spent {$12000.00} on my credit card for which I was to receive {$250.00} worth of travel rewards. Barclaycard for some reason has refused to honor this.
I have XXXX chapter XXXX bankruptcies on my report : XXXX that was filed in XX/XX/XXXX & XXXX that was filed in XX/XX/XXXX. Both of them were dismissed. Chapter XXXX 's are deleted from your report after 7 years. However, Equifax refuses to remove them stating that " dismissed '' Chapter XXXX 's are to stay on the report for 10 years while " discharged '' Chapter XXXX 's are removed after 7 yrs. They will not allow me to open a dispute for it because according to them that is the law.
I've sent two dispute letters to this transunion disputing two accounts under the name XXXX XXXX XXXX. These accounts total over {$7000.00} of collections on my account. 

I requested validation from XXXX XXXX XXXX. They then sent me a lease without my name on it, claiming it's mine. 

The names in the lease aren't even mine. I'm no where on this lease. I've sent TWO LETTERS WITH A COPY OF THIS LEASE TO TRANSUNION, this is a clear violation of my rights under the 609 clause. As it's clear this is not my debt. 

I'm now asking the CFPB, FTC and XXXX  to step in and demand this comsumer reporting agency delete this account. 

I'm attaching a copy of the lease to support my claim, please note in the first paragraph, second line the names of the residents/lessees names. 

Thanks
My problem is to be unable to access my Wells Fargo 's account for long time now. I used all the systems located in online but they said that all time " we do not recognize your username, password or SSN ". I am truly a customer for many but now unable to access my account in this bank now.
As a young college student it was necessary to receive student loans in order to receive a college education. Once out of college, trying to understand my credit and loan situation I was sent to XXXX XXXX. I naively asked them to assist in setting up a payment plan to ensure I was covering interest and paying my loans off. The woman on the phone advised that I should use the " income based '' payment plans, which I did. As a professional helping a young individual sort through the very intimidating process, I had no choice but to trust what she was saying was in fact the truth. I have now applied for a mortgage and come to find out, my mortgage broker was able to find that I have only been paying interest and XXXX towards my actual balance. Long story short, I have simply been paying the company to maintain my loans. Their practice is incredibly misleading. It took me repeatedly asking for an actual breakdown which the representative certainly did not want to give me. Our young are being taken advantage of by large companies and XXXX is the epitome of this. They need to be honest and transparent instead of money hungry and dishonest.
I submitted XXXX PAYMENTS on XXXX separate occasions several years ago on my 30 year mortgage. Instead of giving me instant credit on those payments the Mortgage Servicer XXXX, simply gave me credit as the mortgage came due. 

I have PAID OFF MY MORTGAGE. However I believe it should have been paid off a month earlier. GREENTREE refunded part of my escrow in the amount of {$1500.00} which I find strange, on XXXX/XXXX/2015. 
I asked the GREENTREE MORTGAGE FOR MY DEED on XXXX/XXXX/2015 and the woman answering the phone said under Texas law they had 38 days from XXXX/XXXX/2015 to send me the lien release WHICH I THEN AM SUPPOSED TO TAKE to the tax appraisal district and obtain the FREE AND CLEAR DEED to my property. 
The trouble is TODAY IS XXXX XXXX, 2015, I have yet to receive my lien release. 
The representative of GREENTREE said they merely mail it by regular mail and she claimed it had been mailed out on Tuesday XXXX XXXX and that I should allow 7 to 10 days. 
That tells me they did not mail out the document which represents title to over {$100000.00} and I request that your office investigate, the failure to give me proper credit on the monthly accelerated payments years ago as well as resolve their failure to give me a lien release.
Santander Consumer USA is taking advantage of the XXXX. Santander is charging excessive interest and fees to their consumers. They also coerce their consumers into buying products that are not required. They would constantly call multiple times a day. If you do n't answer the phone for a period of time to " Keep In Contact '' they will do " research '' and find friends and relatives and call them to get you to call them back. The payments that you make barely touch the principle balance on your loan, especially if your late on your payment. When you make your payment they charge a processing fee which we were not informed of when signing the loan.
I opened a Citi checking and savings account on XX/XX/2018 through a special offer. The terms of the offer were : Open a new checking and savings account, deposit {$15000.00} in new-to-Citibank funds into the checking or savings accounts. Maintain that minimum balance for 60 consecutive calendar days. Then receive {$400.00} in your checking account! I had deposited {$8500.00} on XX/XX/2018 into my checking and {$7000.00} into my savings on XX/XX/2018. I maintained that balance for 60 days ( 60 days from XX/XX/XXXX would be XX/XX/2018 ). I called Citi customer service on XX/XX/XXXX, and they notified me that the bonus showed as linked to my account and would post within 90 days of maintaining the balance for 60 days ( 90 days from XX/XX/XXXX would be XX/XX/XXXX ). I called again on XX/XX/XXXX, and the agent that if the bonus didn't post by XX/XX/XXXX to call again. I called again on XX/XX/XXXX, and the agent explicitly confirmed that I was eligible and should have received the bonus. The agent put a ticket for investigation ( the case number is XXXX and told me that I would be contacted by email within 2 business days. It is now XX/XX/XXXX and I have not been contacted. I have attached my transaction histories so you can see when the accounts were funded and that the XXXX balance was maintained up until today XX/XX/XXXX. Not once has Citi reached out to me despite not fulfilling their terms.
To whom it may concern : I received a copy of my 3 credit reports and I found several items listed incorrectly on every one of them. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], as a consumer, I can dispute the items listed incorrectly.

I've disputed the method of verification by requesting from XXXX, Experian, and XXXX the following : The name of the courthouse The person 's name they verified the dispute with The documentation used to verify the dispute The process of Missouri Federal Bankruptcy Courts disburse consumer public information to credit bureaus I've received a response from the Missouri Federal Bankruptcy Courts relating to correcting inaccurate errors from credit bureaus. Missouri Federal Bankruptcy Courts as the original creditor, does not provide any information to credit bureaus. I've question the inaccurate information and I've believe my rights are being validation. Im planning to apply for a VA mortgage loan, and this unverifiable inaccurate information listed on XXXX, Experian, and XXXX is negatively impacting my ability to qualify.

Thank for your time and assistance, XXXX XXXX
I was late on 2 car payments due to national disaster hurricane irrma and red tide reduced my business they submitted to credit bureau withiut stating due to natural disaster
This issue is about Discover Extended Warranty service. I filed a claim on XXXX/XXXX/XXXX regarding my XXXX may need a battery replacement. I uploaded all the required documents and received first email back on XXXX/XXXX/XXXX asking me to upload repair estimate. On XXXX/XXXX/XXXX, the representative, XXXX XXXX XXXX, called me to tell me my case was rejected with extremely rude attitude. She stated that warranty terms " This Warranty does not apply : ( a ) to consumable parts, such as batteries or protective coatings that are designed to diminish over time, unless failure has occurred due to a defect in materials or workmanship '' ( Please see the attachment - XXXX 1 year warranty ). Also, please see attachment XXXX -iPhone Battery & Power XXXX Official XXXX Support, " Our warranty covers a defective battery, but it does n't cover wear from normal use. If you 're covered under warranty or AppleCare+, we 'll replace your battery at no charge if it retains less than XXXX percent of its original capacity. '' Clearly, XXXX is not responsible for normal use battery, but is responsible for defective battery, which means less than 80 % capacity. Therefore, my case should be eligible for replacement under warranty at no charge. Also, Discover has its extended warranty can extend the original warranty one more year. which means Discover is responsible for this claim. However, XXXX XXXX XXXX insisted " the battery is not covered by warranty '' but she did n't notice the sentence " unless unless failure has occurred due to a defect in materials or workmanship. '' One more thing to mention, my iphone has been inspected and replaced a battery in XXXX of XXXX stores. According to their policy, they only changed " defective '' battery ( less than 80 % ), even if you want to pay by yourself. If your battery is good, they wo n't replace it. If your battery is defective, it 's free to get replaced under warranty and {$79.00} for out of warranty. 

I am writing this letter to see if I can get any positive feedback from Discover because XXXX XXXX XXXX was not willing to talk, explain, and listen to me. I felt extremely disrespected today. 

Thanks, XXXX
They call around XXXX and wake our kids up, they start calling at around XXXX and they call every 15-30min. Its been going on for roughly 6months
Dear XXXX, I am writing this letter in support of my dispute with American Express and XXXX XXXX. I had purchased XXXX XXXX XXXX tickets with my Amex Card in on XXXX XXXX XXXX. Due to medical reasons my parent could not fly and we had to cancel the trip last minute. We requested XXXX XXXX for a refund and they would not honor the request inspite of this being a medical emergency. 

We filed for a dispute with Amex in XXXX XXXX. The result was in the favor of XXXX XXXX. Terms of settlement were that the fare can be used by my parents for a period of a year and a change fee will be applied. 

In XXXX of last year we found out that my mom can not can not fly for extended period of time due to medical reasons. ( 18 months ). Per documentation from XXXX XXXX, if the customer can not fly for an extended period of time, with a supporting medical letter, they will honor a refund. I contacted Amex and filed a dispute in XXXX XXXX. I repeatedly asked the agent to accept the medical letter. I was told that Amex would n't need XXXX to support my case. The case was ruled in favor of XXXX XXXX. 

I reopened the case in XXXX XXXX. I sent a support letter and a copy of the medical records. My argument was very simple. Please refund the money or issue a transferable credit that XXXX of our other family members can use. For a Third time the decision was made in favor of XXXX XXXX with the same terms, that the member can use the credit to book a flight upto a year. i.e. XXXX XXXX. They ( XXXX XXXX ) also said that supporting medical letter was not enclosed. I had sent the letter and Amex has received it. The dispute department failed to attach the letter. 

The Airline now refused to issue any credit as its past the 1 yr period. 

For the fourth time I reopened the case in XXXX XXXX. I sent an explanation letter as requested by Amex, and a copy of the medical records again. I explained to the associate the problem that Amex did not provide the medical letter which XXXX requested. I was assured that this would not be the case and this time it would be a smooth sailing as they have all the documents on file. I was assured that Amex has great customer service and this is a XXXX off exception. For a 4th time the decision was made in favor of XXXX XXXX who also said that supporting medical letter was not enclosed. 

It is past the 1 year deadline. Amex has dropped the ball 3 times and now I have lost the money paid to XXXX XXXX because they fail to do their part.
On XXXX-18 I contact discover to set up a check for {$220.00} with my account with XXXX. I contacted Discover on XXXX-18 advising them that they could pull the check and run it that day and that I had closed my XXXX account and provided them with my new checking account. 

Discover then processed the {$220.00} twice. Once from the XXXX account and again from the new account. I contact Discover and spoke with XXXX XXXX on XXXX-18 at XXXX XXXX. She advised that although I did tell them that the account was closed and the rep should have transferred the call to their supervisor it was not their issue for running the check because I only said the account was closed instead of pull the check and that this was not their fault because the rep was using a different computer system. 

This is a blatant breach of both federal and state law. I want the U.S. Attorney 's office to investigate Discover for possible criminal charges and for Discover to pay damages for their negligence.
This is in response to complaint number XXXX, filed against Experian. Experian seems to be confused as to the reason of my complaint. It WAS NOT a dispute complaint, as this is NOT the forum to properly file a dispute. The nature of the complaint was to inform the CFPB of the violations that Experian is perpetrating against me. As stated, I have formally requested on more than one occasion to have several trade-lines on my personal credit profile 'validated '. I have furthermore asked that according to the law, that after validation ( if possible ) have those validating items sent to me proving they those trade-lines belong to me. Validation proof, according to the law would be contracts with my WET INK signature on them. Experian HAS NOT followed the law according to the FCRA by sending me this validation. Yet Experian only sends that the trades-lines are 'verified '. The law states that there should be a 'reasonable investigation ' for a consumers disputes. Waiting 30 plus days to receive that the items are 'verified ' WITHOUT following the federal guidelines of my disputes are a gross violation of my federal rights.
I own a XXXX wanted to transfer money from XXXX banks to Huntington so it was more convenient than my small town banks. Was told to give irs ein which is under my ss # she said no problem we can look it up that way. Now today when I go with everything she asked for, and I have a witness, she said no that even since ein # has been ur ss # since 1998 they demand me to change it ... XXXX!! Huntington you can praise your XXXX Indiana branch for losing you thousands of dollars, but I 'm sure that does n't effect your highway robbery business ... ..pissed as XXXX customer
On XXXX XXXX, 2017 I purchased a new vehicle from XXXX XXXX XXXX in XXXX Florida. I traded my XXXX Chrysler 200 in as part of the deal with the dealer promising to pay off said loan with Chrysler Capital while obtaining a new loan with Chrysler On XXXX XXXX, XXXX I learned that not only did the dealer lied, and not pay off my loan some 26 plus days later, but my loan is in default as a result of the dealer misrepresentations. Neither XXXX XXXX nor Chrysler Capital will take action against the dealer for their misrepresentations nor hold them responsibly for the default loan as a result of their delays in paying said loan number XXXX. Not only will my credit be harmed, but no one will correct the situation which was no fault of my own. The dealer needs to be held responsible for this and XXXX XXXX & Chrysler Capital need to sanction said dealer for this issue.
On XX/XX/2018, XXXX was contacted about past due account and reason ; payment arrangements were made to restore service. XXXX stated account could not be restored until full amount is paid. 

On XX/XX/2018, XXXX was contacted about additional charges on the account, promise to pay arrangements were made, and the agent stated the account would be notated so that the account will not be transferred to collections. Another payment was made following the call. 

On XX/XX/2018 I received a collection notice from an attorney office via email at XXXX claiming they tried contacting my office to collect a debt on behalf of XXXX without a response which is a negative and false. The cellphone has been temporary suspended due to non-payment. XXXX was immediately contacted referencing the harassment and was unable to resolve.
On multiple occasions, I 've been in contact with the credit bureaus about this particular account that is registered under my name. I 've tried disputing with Equifax,  XXXX , and   XXXX   with no avail. I 've requested for  XXXX   XXXX  to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act S  ection 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me.
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Up to this point, I 've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).
I paid {$1700.00} via wire transfer ( which I have done successfully before, although not same property/person ) to a XXXX XXXX XXXX for a vacation rental from an ad off of XXXX. 
The home to be rented was XXXX XXXX XXXX. XXXX, FL XXXX. 

Financial details are as follows : XXXX XXXX XXXX XXXX BankAccount # : XXXX # XXXX Name : XXXX XXXX XXXX I was corresponding with a supposed XXXX XXXX XXXX XXXX 
I sent an email on XXXX/XXXX/15, confirming we were still set for our XXXX/XXXX/15 arrival. 
I received the following response from the XXXXXXXXXXXX email : On XXXX XXXX, 2015, at XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : ok madamOn Fri, XXXX XXXX, 2015 at XXXX, XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : You are full of XXXX. 
What are your credentials? 
Please keep writing back, so we can pinpoint your IP address to see where you are located. 




On XXXX XXXX, 2015, at XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : we used our monitoring team to take away his account from him and we saw your details, we are also here working on the underground investigationOn Fri, XXXX XXXX, 2015 at XXXX, XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : So how is this the XXXX team, if this email is coming from a XXXX account? 

If this is a scam, you can believe I will find you and get my money back. The authorities and my bank have been contacted. 

On XXXX XXXX, 2015, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hello XXXXThis is XXXX management team, we have seized the posting from XXXX, his posting was a scam. please stop all contact with himXXXX group teamOn Wed, XXXX XXXX, 2015 at XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hi XXXX, Just reaching out to make sure we are all set for our XXXX XXXX arrival - correct? 

Just want to make sure we are all set before we head out : ) Thank you! 
XXXX from XXXX XXXX XXXX XXXX
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
I filed for Bankruptcy in XX/XX/XXXX I converted my Chapter XXXX case to a Chapter XXXX and I filed a motion to dismiss my BK case and it was approved. I have never had an account with XXXX XXXX   XXXX XXXX nor have I ever heard on this company. Portfolio Recovery is trying to collect money from me on this account. They put a collection activity on my credit report with the date of XX/XX/XXXX when clearly at this time I was in Active Bankruptcy which means under Title XXXX of the U.S. Bankruptcy code they are in violation because the Trustee for my case made payments to all of my creditors and this company was not listed as my creditor. They bought this account from a lender to try to get the debtor to pay when I live in the State of Maryland and the STATUTE OF LIMITATIONS has expired to collect on this debt. I contacted them and told them this and they changed the date to XX/XX/XXXX I had no luck disputing this with the credit bureau. I want this collection removed from my credit report because it's illegal for them to try to collect on an expired debt this is the 4th collector that I have told this too and this company decided to place this collection on my credit report I want it removed from all 3 of my reports. Collection Agencies should not be allowed to treat any body in this way. I have documentation to prove on XX/XX/XXXX my attorney had already filed a motion to start my Bankruptcy proceedings and no collection activity was in effect when you file Bankruptcy they are not allowed to call you or try to collect on a debt when you are in an active Bankruptcy case which I was. I am hopeful that you will assist me with this urgent request.