WillisBack/dataset-financial-user-claim huggingface dataset:
I paid Global Lending Services the balance of {$24000.00} in XX/XX/XXXX on a XXXX XXXX XXXX. I received the title and original contract stamped paid weeks after. My bankruptcy case was demised in XX/XX/XXXX and global lending bankruptcy department put a repossession order on it XX/XX/XXXX.I can get anyone with the company to tell me when they will release my vehicle. I sent them all the supporting documents but I have yet to get remedy with global lending services.
I purchased my first car on XXXX/XXXX/XXXX and financed it with Credit Acceptance Corp . I made my payments online on time in XXXX and XXXX XXXX using my debit card. On XXXX XXXX I was in an accident and immediately filed a claim. The car is a total loss. When I tried to make a payment on XXXX/XXXX/XXXX the payment was declined with no explanation. I tried several times without success. I called the company on XXXX/XXXX/XXXX and was told more than likely the insurance company had taken care of the loan. On XXXX/XXXX/XXXX I called the Credit Acceptance because the insurance company was still waiting to hear from Credit Acceptance. I was then told that I had missed XXXX payments and I had been reported to the credit bureau. I was told that when there is an accident you can not make payments using a debit card. I had no way of knowing this. I am attaching a copy of the message I received when I tried to make a payment. Today I tried to make the XXXX past due payments using two methods : debit card online and calling and neither method allowed me to make a payment. I wanted to take care of this as soon as possible because I need to purchase a car to get to my XXXX jobs but can not buy a new car with the credit report from Credit Acceptance. There is nothing in the payment coupon book that tells me I can not make a payment with a debit card if I have been in an accident. I want Credit Acceptance to accept my debit card payment and I want them to fix my credit report. I am young and this is my first attempt at establishing credit. I was diligent in making my payments in an accepted manner per the coupon book and coupon. Because I work XXXX jobs I can not wait on the phone to make the payments during their office hours which are Eastern Time ; I live in California. 
The insurance company on XXXX/XXXX/XXXX confirmed they are also waiting on Credit Acceptance for paperwork to pay off the loan.
there was a judgement against me through iberia bank. in sometime in 2015 XXXX XXXX, with iberia bank agreed to settle the judgement. We settled in the amount of XXXX and this would wipe out the judgement, interest and all. Have document to show i paid out about XXXX to release me of all debt and yet this judgement is still on my credit report. please advise what my next step is.
On my credit file dated XX/XX/XXXX, 2017 I received an update to my XXXX credit report from XXXX XXXX. The report was updated to show the account is now reported as closed, balance is now XXXX, amount past due is now XXXX. as well as the account history codes are now 1. The problem now is that I called Experian and XXXX to inform them of the update, and they said they were not going to investigate this account again, I faxed them a copy of my updated account with XXXX. The representatives informed me that they reached out to XXXX XXXX in order to get corrected updated information, and XXXX XXXX REFUSED to update the account with those credit bureaus. I am including my updated credit report as proof of my documentation
On Tuesday X/X/2018 I made a {$5000.00} wire transfer to Coinbase, Inc. That wire transfer was a deposit to my personal coinbase account. The coinbase website states incoming wire transfers to take 1 business day to process funds to your account, which has been the case for previous wire transfer deposits made. 

I have sent emails to coinbase support, started a support case, and called multiple times, all resulting in the absolute worst costumer service I 've ever experienced. No one " has access '' to the information they need to answer my question, it needs to be escalated. I have had zero communication with anyone from this " escalation team ''. The money is not in my bank account, and not in my coinbase account. My bank has confirmed the coinbase XXXX XXXX has received the {$5000.00} wire the same day I sent it, X/X/2018. 

I have read so many other online complaints of people going through the same nightmarish circumstances.
In XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  a company named Hunter Warfield which is a debt collector. I was sent back investigation completed and account was  verified. On XX/XX/XXXX I sent Hunter Warfield a certified letter asking for verification, this company has not sent back verification as of this date. The amount in question is XXXX. I am requesting this amount be removed from my credit report.
Private student loan collector contacted me by phone at my place of business on XXXX/XXXX/2016. I requested they not call there because it causes professional damage and cited the Fair Debt Collection Practices Act. I told them they could contact me via mail. They then contacted me again at my place of business on XXXX/XXXX/2016 and I requested again to not contact me at work.
! st Financial Investment Fund is  trying to collect a debt in the amount of {$2900.00} but have ignored my letters requesting proof of the ownership of the account. I have written them letters requesting they send me this documentation several times but my attempts have been ignored, and I get letters stating I owe the debt but they have never proven the debt is mine despite the attempts. I have nothing in my files that would indicate the debt is mine and i ca n't get this company to provide proof of the debt. How many times does a person need to request proof of the debt from these third party collections before something gets done about them? I feel all my efforts were for nothing because that 's what I got from them.
On a few separate occasions I have disputed with all three credit bureaus XXXX, Transunion, and XXXX pertaining to a credit card with XXXX XXXX Bank acct # XXXX for the date of last activity, payment history, status, high credit and the dispute was returned verified. I have included the excerpts of my credit reports showing how these accounts are reporting.
Transunion had a computer glitch in which several of my inquiries were deleted, then placed back on my credit report - I did not receive any notices 5 days prior to them re-adding the inquiries to my report - I contacted Transunion on  XX/XX/XXXX   in good faith to ask them to delete the inquiries that they illegally placed back on my report - I am in the process of trying to purchase a home for myself and my children and this mishap has caused a major hardship with this process. It is causing major questions about my credit report, why all of a sudden do I have so many new inquiries showing, etc etc etc, I have had to put off trying to purchase for 30 days, which, as I 'm sure you well know, means the home that we want will be sold to someone else in that timeframe.
This company will put a collection claim on a credit bureau. When I have it removed, they will put it back on and re-age it so it stays on the report for XXXX more years. This is illegal. They will not tell me what company they are trying to collect for, either. They refuse to answer any questions, in fact, except to say I need to pay. They are a scam.
I paid the debt with the original creditor, XXXX. I do not know why it was turned over to Diversified Consultants, because I did not do anything wrong. Diversified Consultants is continuing to report the bill as open and unpaid on my credit reports, though I have called them, directly, twice to resolve this matter. They refer me back to XXXX and deny ever speaking with me about this matter. XXXX refers me back to the collection agency, when I contact them. It should have never been turned over to Diversified Consultants, and neither party is attempting to work with me to resolve this issue. In the midst of this, my credit report is being negatively impacted.
I had my identity stolen and fraudulent loan made in XX/XX/2018. I identified this at the end of XXXX, filed a police report. I Spoke with the loan agency ( XXXX XXXX ) who agreed this was fraud. I filed a dispute with Expirian, and XXXX. ( XXXX required the police report which took a few days to receive ). Expirian then asked for the police report which i furnished through their online portal at the end of XXXX. 

Expirian, then reported that this was not identity fraud and the transaction should stay. XXXX   investigated and determined this was fraud and removed the transaction. i then asked expirian again to dispute. I called experian several times asking what documentation was needed from them to remove this transaction. First i was told they never received the police report. so i uploaded another copy. then i called back to confirm that they had received the copy. Then they said the police report was NOT valid because the name of the police officer had been blacked out. I confirmed with the police department that this was protocol since the officer was undercover, part of the gang unit. They also suggested that XXXX   XXXX did not consider this fraud. XXXX XXXX had been in regular contact with me. i had signed and affidavit and they had confirmed it was fraud as demonstrated by transunion which also confirmed XXXX   XXXX knew this was fraud. I offered to furnish expirian with both the phone number for the police department working on the case AND the number for the XXXX XXXX fraud investigator who could confirm it was fraud ( i offered to call both while on the phone with the experian rep ). THey declined both offers. they suggested i get a letter from XXXX  XXXX stating this was fraud, which i am willing to get, but i asked them for what specific criteria needed to be included in the letter for them to accept this document. They had no predefined criteria that would guarantee that they would even accept this letter. Everytime i called Experian they gave me a different reason why they could not resolve this dispute. They put the blame on XXXX XXXX, but as mentioned when i offered to call my contact at XXXX XXXX they declined. XXXX  contacted XXXX XXXX and XXXX XXXX confirmed this as fraud. I also asked experian who they were contacting at XXXX  XXXX ( so that i could have the XXXX XXXX  fraud investigator call the appropriate division at XXXX XXXX ). They said they could not furnish this information. This involved multiple called with multiple people at Experian giving me different answers each time as above. All while still keeping a fraudulent transaction affecting my credit score.
I was late making payments and was receiving multiple calls a day from Navient. I finally got on the phone with them and informed them that I can not make payments at this time and am in the process of filing bankruptcy as I am unable to keep up with my debts. The representative said " ok, when are you filing? ". I indicated that I would file in XX/XX/XXXX ( we spoke in XX/XX/XXXX ) and she responded by saying " we can put your loans in forbearance until XX/XX/XXXXand then you will have to send us proof of the bankruptcy ''.
This forbearance period continues to tack on interest to my loans and in the 5 years since I XXXX and have been making payments in good faith, I have not made any impact on the overall amount of my loans because of these interest charges during times that I am unable to pay.
A company XXXX XXXX XXXX has already attempted to sue me one year ago. I have recently received another threatening letter of a law suit and wage garnishment. The credit card debt is SOL of 8-10 years ago. They had previously sued me apprently filed XX/XX/11 for the same case and it was dismissed. I feel I am being harrassed by receiving these letters and they are trying to take me to court again, over very old debt
Discover Card sued me in Indiana Small Claims court and entered a judgment against me that exceeds the {$6000.00} Indiana Small Claims court judgement amount. 
In an attempt to collect the debt, my bank account was seized. I requested a court date, as my bank account contained both FEMA and Unemploment derived funds. The attorney for Discover Card phoned into the hearing and lied to the magistrate. The magistrate informed the Discover Card attorney that the funds were indeed exempt, and the funds were returned to me. 
I have checked my county 's online database, and discovered multiple Discover Card entries on magistrate 's dockets. Is there some type of judicial abuse going on in XXXX XXXX, Indiana? 

At the proceedings supplemental, I told the same magistrate that I had not received the paperwork the attorney showed me outside the courtroom. The magistrate 's response was, " I 'm not buying it ''. I told him I need to received all my court / legal / financial notices. After the magistrate announced, " adjourned '' and left the court room, the magistrate 's bailiff, ordered me to meet with the XXXX. I told the bailiff, that the magistrate just announced adjourned, meaning I was free to leave. The bailiff told me he could have me detained / arrested by guards. All this with my then terrified four year old in tow. We left the court room, not knowing if we would be detained / arrested. 

How is any of this behavior legal, and where can I file a complaint. I also plan on contacting the FBI. 

Thank you.
My credit report from Transunion shows a collection from XXXX, collecting for XXXX. I have not had a XXXX account in about 13-14 years. This is outside the statute of limitations
Equifax permanently deleted and blocked the following account from my Equifax credit report between XX/XX/XXXX-XX/XX/XXXX. The following account and late payment is showing up on my Equifax credit report again : XXXX XXXX XXXX XXXX account number # : XXXX for {$5100.00}. I have no child/children. XXXX permanently blocked this account between XX/XX/XXXX-XX/XX/XXXX. The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX.
State Farm Bank deducted a {$100.00} payment from my account twice for XX/XX/XXXX. I have tried to contact, but they have refused to answer any attempt to reach them ( despite their website stating that they will respond within 2 business days ). I have contacted them at least three times, and they are just plain and simple ignoring me.
After being removed or deleted from one credit bureaus files after being investigated by XXXX this collection agency, sending this information to the other bureaus like these are new collection account. I asking for this to stop and not share this information with others. Without approval. It is transferred from one to the other.
I have been listed as a " potential victim '' in Equifaxes data hack. Time and time again, companies have underestimated the importance of data security, and time and time again, this has completely come at the expense of the average consumer. 

Instead, the Executive board is able to inside trade out their own securities before divulging their MONUMENTAL mistake, further damaging a market they have already destroyed. 

This company needs to be completely frozen and audited from the ground up, and no information should be processed through them until a proven process can be implemented. 

This is disastrous for potentially almost half of Americans and I hope this company receives this level of complaint from every last one of us.
Yesterday XXXX/XXXX/XX/XX/2015 I applied for a Credit Card via an offer from Discover Card through Credit Karma. When I submitted my information I was then told I do not qualify for the Discover Card I applied for and a XXXX card offer was made. This XXXX offer of lower interest ( BASED ON MY CREDIT SCORE ) was used a BAIT to get me to fill out the paperwork. Once I completed the paperwork another page popped up asking me to send copies of personal data such as SSN and or Current bills. I was not comfortable providing this information largely since the app did not work and all other credit cards I have can provide approval in XXXX seconds based on information contained in my XXXX XXXX. I called Discover Card and asked them if they were the actual Credit Card or was this scam, the whole thing was a bit fishy. I learned the Discover Card had no idea that they are soliciting new customers using bait and switch tactics on Credit Karma " indicating they do not communicate internally ''. I demanded that this process be cancelled and my credit hit be removed to protect my score. Today I get an email indicating the account was still being processed against my will. I called and spoke to XXXX Senior Agent in Delaware at phone number XXXX regarding application XXXX. I also demanded that she terminate the application and remove the credit hit sine this whole process was unfair and dirty BAIT AND SWITCH tactics. I told her I do not need the card with HIGHER INTEREST and I will not tolerate this treatment.
I just discovered the following charges on my credit card from TransUnion : XX/XX/XXXX : {$1.00} ; XX/XX/XXXX : {$19.00} and then recurring charges of {$19.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of {$80.00} ( as far as I can determine -- I'll need to pore over statements for the entire year to be absolutely certain ). I recall giving my credit card number to TransUnion as part of a " free '' credit check ; I believed it was part of the process used to identify me and had no idea that I was being enrolled in any kind of service that would require a monthly payment ; I have no need for that. What makes me furious ( I'll probably blow up if I call them ) is that : 1. ) They take advantage of people when they are most vulnerable ( I wanted to check my credit score because I was filling out rental applications, needing a place to live quickly, after a cross-country move to be near my aging father ) and 2. ) TransUnion was already called out on this one year ago ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-transunion-and-XXXX-pay-deceiving-consumers-marketing-credit-scores-and-credit-products/ ) ; apparently nothing has changed. Embarrassingly enough, this ( from the article link above ) is what I assume happened to me : " Deceiving consumers into enrolling in subscription programs : In their advertising, TransUnion and XXXX falsely claimed that their credit scores and credit-related products were free or, in the case of TransUnion, cost only {$1.00}. In reality, consumers who signed up received a free trial of seven or 30 days, after which they were automatically enrolled in a subscription program. Unless they cancelled during the trial period, consumers were charged a recurring fee usually {$16.00} or more per month. This billing structure, known as a negative option, was not clearly and conspicuously disclosed to consumers. '' Thank you in advance for looking into this matter. I really appreciate your time and the service you provide.
See attached XXXX Police Report ( XXXX ) XXXX for Details of the Unauthorized Electronic Fund Transfer from my business checking account. The Bank of America Claim No. is XXXX-XXXX. The  Fraud Analyst has yet to talk with me or the XXXX detective in the case. They claimed they called but no message has been left on my cell phone to call back. I asked them to send all correspondence in writing they have failed to do so to date. I do not trust the internet for communications with Bank of America until this claim is processed and finalized.
I defaulted on my Citibank credit card 3 years ago. I have contacted Citibank multiple times to pay off the account but they can not find my information anywhere but are still reporting it to the credit bureaus. It came to the point where someone from Citibank told me to dispute the account with the credit bureaus and see if that would trigger a response to verify the account. The account was removed from my transunion report but was verified on the other XXXX reports. I then called Citibank again and was transferred multiple times and still nobody could verify me or my account and as far as they were concerned I was nowhere in their system. I was also told by Citibank send a fax explaining everything and attach a copy of my credit report for their dispute department. They have not responded. I am not trying to get out of the debt and want to pay them but since I do n't exist to them for whatever reason I ca n't. I am trying to apply for a home loan and this mark is holding up the process. Thank you.
Company refuses to unblock account. 
This is a dead loan. 
This company illegally bought the dead loan. 
Company continues to notify via mail to ex husband and grown children who no longer live here. 
Harassing daily with phone calls and letters Company needs to quit illegally foreclosing and trying to auction home this is the XXXX time in XXXX  years and judge has found in my favor every time we have been to court. 
I am XXXX and now have a XXXX son. 
Illegally trying to modify and change loan that was already in place.
Midland Funding LLC Successor in interest to XXXX XXXX XXXX represented by XXXX XXXX  XXXX sued me and I responded to the lawsuit stating I will pay {$50.00} a month until debt is paid in Full. So they asked for payments on a website at XXXX. Which I did every month to total of {$65.00} until one day the web page return with XXXX not found. I no longer could reach XXXX XXXX   XXXX. Now I'm being sued for Judgment and Writ of FlFA from a XXXX XXXX XXXX. XXXX  stating I defaulted. I never heard of them. I don't know what to do. I just keep trying to clear this up so that I will not lose my job.
Discover Student loans purchased loans I had originally taken out with XXXX. I have not missed a payment since I 've started paying on them. They have published list of criteria to qualify for cosigner release. First that you loan is a prior XXXX loan, next that you are XXXX, that you are a US Citizen, that you 've made the requisite amount of consecutive monthly payments on time ( which I did ), that you make more than {$1500.00} in gross monthly income ( I make {$10000.00} ), and that you have satisfactory credit ( they said the score they pulled for me was XXXX ). I applied for cosigner release and was denied a couple days later. I was told my income was too low. I followed up with Discover and they said the reason for the denial was that I did not provide proof of income. I followed up and provided the requisite information even though they do not specify on their release application that that information was necessary. I was denied again XXXX day later, again because they said my income was too low. I contacted them but was not able to get a clear answer on why I was having the same issue. I thought having a cosigner released would be easier than consolidating. I was able to get a consolidation loan within a half hour, with better rates. I will never use Discover again.
XXXX XXXX XXXX forwarded my debt to Merchant and Medical Credit. They, Merchant and Medical,  have made frequent phone calls to the point in which I have blocked any numbers they have called me from. Also, they recently contacted my Emergency Contact noted on my medical records asking for my information. The hospital asked for an emergency contact in the event something happened to me at the hospital. Why their contact information was forwarded to a debt company does not seem right. Also, when you call the company they do not note who they are. I called them from my work phone, blocked number, and I had to ask who the number was regarding. I'm not entirely sure if this falls under the FDCPA, but I do not think it's proper for a hospital to forward my in the hospital emergency contact to a debt collection company.