WillisBack/dataset-financial-user-claim huggingface dataset:
I was garnished after making a contract with them and making a good faith payment XXXX of XXXX. Then on XXXX my employer withheld XXXX. I called yccs and talked to XXXX of the supervisors. They told me they were n't supposed to garnish me. After getting know where I contacted the attorney that represents them on XXXX. He told me he would get the paperwork over so they would stop the garnishment before the next pay cycle. On XXXX they took another XXXX. I once again called them and they apologized and said that this should n't be happening. They would contact my pAyroll department. My payroll department told them she legally needed a stop payment form. I got a phone call a week later saying it was taken care of. XXXX I called payroll to make sure I would not be having any money taken out and she said she had n't received anything from them. So I then called yccs again I was directed to the supervisor. She said she would get it taken care of. The manager of the location called my payroll and was told what form she needed. He got the fax information and said he would get it to her. Today XXXX when I spoke to him to make sure it was getting taken care of he said he did n't need to send her any more forms. I then asked for my money to be sent back because I was n't supposed to be paying them that much. He told me no it would be credited to my account. They took XXXX overpayment so far and as of XXXX it will be XXXX of over payment. I simply want my money back and to will continue to make my contracted XXXX monthly payment. They 're illegally taking money. They keep saying the order she has is the stop payment then why are they continuing to take my money and not sending it back to me
It has been a complete stressful nightmare dealing with Equifax for the last several months concerning my credit report. Recently I disputed some inaccurate information on XX/XX/XXXX and I received the completion results were the items had been deleted/unverifiable. The items in question were XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( this item was showing reaged which is a clear violation of the law ) and XXXX XXXX XXXX XXXX ( every XXXX XXXX entry reporting on my credit report ). As you will see on the uploaded supporting documentation, Equifax sent these results out XX/XX/XXXX and XX/XX/XXXX. Today XX/XX/XXXX I was checking my Equifax credit report on Equifax.com and these items are currently being reported which is not reflecting my true credit report. In light of Equifax hacks I have been trying to closely monitor my report. They have also mixed my files as you will see by the supporting documentation I have uploaded as well. Equifax did not inform me via letter that these unverifiable inaccurate items were being inserted back into my credit file. This is a direct violation of the law as well. I have previously submitted a complaint with the CPFB concerning these issues ( the complaint is also uploaded as supporting documentation ). Equifax is also reporting XXXX XXXX XXXX and this item was unverifiable, inaccurate and was deleted from my credit report and currently reinserted with no letter sent to me by Equifax. I have uploaded all my supporting documentation concerning these items. Equifax is breaking the law by continuing to report these inaccurate items on my credit file. These items need to be deleted immediately because they do not belong on my credit file and Equifax is not reporting my true credit file. Equifax has mixed my file on four separate occasions this year XX/XX/XXXX where I have had to call in to complain and send in identifiable information to them so they can try and fix my file. Clearly Equifax has not straightened my file out. The items that should not be reporting are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again Equifax has been making a complete mess of my credit file which is causing me emotional stress. These violations of the FCRA are negligent and willful on the part of Equifax in which I can sue and get damages. Equifax has violated my rights by continuing to report these inaccurate items. Clearly Equifax is not for consumer rights. 
I WILL NOT ACCEPT ANY OTHER REPSONSE OTHER THAN A DELETION OF THE UNVERIFIED INACCURATE ACCOUNTS. I DEMAND THAT EQUIFAX NOT BE ALLOWED TO MOCK THE CFPB 'S AUTHORITY AND VICTIMIZE ME BY IGNORING MY RIGHTS
I mailed a request to National Consumer Telecommunications & Utilities Exchange ( NCTUE ) XXXX XXXX XXXX for my disclosure report and score. The CFPB 2018 " List of consumer reporting companies '' states for NCTUE : " The company will provide one free report every 12 months if you request it. '' I have never requested or received this info from NCTUE before. In response, I received a letter from " XXXX XXXX XXXX XXXX '' demanding {$11.00} and {$7.00}, respectively, for the info. Why is NCTUE refusing to provide the info for free?
XXXX XXXX has embezzled our homeowners insurance draft of {$24000.00} that was paid to us by our insurance company for storm damage. We have fixed 90 % of damage with our own funds and the bank has sent inspectors 3 times and has still not released our funds and are playing with our money and emotions for the last two years. Trying to get them to release our funds has not worked and in the meantime they have " sold '' the mortgage loan servicing to Rushmore Loan Management Services and they repeated the above process and not returning phone calls or communicating by mail or email. 
This money is being illegally held by the mortgage servicer as it does not belong to them and was specifically for home repair that we had to complete before the bank would release the money. The bank requested detailed invoices and releases of liens from the repair companies that fixed the damage that we paid for. They also sent out inspectors at different times and have not released our funds since the last two years. The fair resolution is that they immediately release the {$24000.00} and pay the costs and interests on this amount. Thanks. 
Please help protect the consumers!
I received a call from XXXX XXXX at Diversified Consultants.  The phone number that displayed on my phone was XXXX. XXXX read me the disclaimer about this being an attempt to collect a debt, then told me I owed money to XXXX. I explained I had paid my last bill and returned my equipment, and she said this was for non-return of equipment. I told her I had definitely returned the equipment as instructed, and that I wanted to dispute this collection. XXXX told I couldn't dispute with her, that I had to contact XXXX. That is not the law. I started to read to her the requirements, and she said they only received my account yesterday and would be mailing out a letter. I told her she had to take my dispute and she said she didn't and hung up on me. 

I do not owe XXXX anything, I followed their instructions, and I should not have been sent to collections. Further, XXXX should not have told me I couldn't dispute by telephone with her and should not have directed me back to the original provider. She definitely should not have hung up on me. None of this is accurate nor is it following the proper procedures when a consumer states she disputes a collection account.
Hi, I have got calls/Letter from Credit Management XXXX to collect debt. I have disputed the debt and requested details of the calculation as I do n't own any debt for XXXX. Credit Management XXXX is not able to provide any details of the debt verification. 

I will appreciate your help in resolving this issue ASAP. 

Thanks
AFNI keeps calling my personal cell phone, has called my GRANDMOTHER 'S house ( XXXX ) XXXX, and has now called me at WORK ( XXXX ) XXXX. I am not dealing with this anymore. I know I am in debt ; they do n't have to keep calling everywhere and embarrassing me.
USAA prequalified me on income they knew that they couldn't use to close the loan. I recently transferred from XXXX XXXX military to the XXXX XXXX and took a civilian job with XXXX XXXX. I applied with USAA for a mortgage using my current and future income along with rental property that had just rented in XX/XX/2018. I was initially approved for XXXX and then after another review XXXX. My rental income was used as a basis for the decision even though I advised the loan processor that it wasn't reflected on my tax returns due to just being rented. I was told that this wasn't a problem. During the first review the loan was declined, with USAA citing that the VA doesn't allow rental income not contained on tax returns. I was lied to during the application process and now I have spent considerable time and money to secure a property that I can't close. USAA was dishonest from the beginning and led me to believe something that wasn't true. I then attempted to add my XXXX XXXX income, which they also denied because I don't have 12 months of pay.
I have had a freeze on my credit reports - all 3 Credit Reporting Agencies as of XXXX. My Identity was stolen and I filed an Identity Theft report on XXXX FTC Report # XXXX. I am granted 7 years free credit alerts as a result. 

All 3 companies, XXXX, Experian and XXXX  have the freeze in place. All 3 have provided me with SPECIAL SECURITY PASSCODES if I need to access my information. Unfortunately, the only questions they ask are : My name, date of birth, social security #, and address - I've made numerous phone calls to all these agencies between XXXX and XXXX. None of them ask for the PASSCODE.  I explained that that should be the 2nd question asked after my name - before anything else - to prove I am who I am ... ... they just told me they followed their security measures which are asking for the same answers that " the person who stole my identity '' has. I was very upset that a " XXXX XXXX '' or whoever stole my identity already has this information - and at no time did they DO NOT ask for my security passcode. They just tell me they don't ask for it. 
As a result of their " less than secure '' policy, on XXXX XXXX XXXX XXXX XXXX XXXX FL, even though I have a freeze - allowed someone to open a checking account in my name. Now I am getting collection notices for default from a XXXX XXXX XXXX. for {$92.00}. This shows up on XXXX  as an Inquiry. I have NEVER dealt with this company and they should NOT HAVE BEEN ALLOWED to access my credit report. I also did not receive an alert of this inquiry being made. 

I believe the best form of security measure for anyone who has had their identity stolen that each of these companies adjust their security measures to ASK FOR THE PASSCODE immediately after a person 's name. I am quite upset that even though I have followed every possible measure to secure myself from further identity theft issues, all 3 Credit Report agencies don't seem to protect the consumer - they just rather do their standard security measure of asking information the thieft has - which isn't working. 

I am asking that each of these reporting agencies specifically MADE NOTE ON MY CREDIT REPORT TO ASK FOR THE SECURITY PASSWORD THEY PROVIDED TO ME BY MAIL AND NOT ALLOW ANYONE TO RECEIVE ANY INFORMATION ON MY CREDIT, NOR BE ALLOWED TO MAKE ANY KIND OF INQUIRY. I also have opted out through the government website to not be mailed or allowed any institution to send me solicitations. 

There have been other attempts also to breach and steal my identity - XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Please help solve this problem with all 3 of these agencies - they don't seem to be following the rules and protecting me from further fraud issues.
Have had a car loan for over XXXX years with US Bank and received a letter from CA DMV that the lien has n't been satisfied and I have an incomplete registration. Have been trying to speak with branch about get the issue corrected and ca n't get anyone to return my call. Have never been notified that there was an issue.
On XX/XX/2018 I contacted XXXX XXXX about a collection account that was on my credit report. XXXX XXXX stated the original creditor was XXXX there was multiple account with the XXXX placed for collection one account was XXXX  and the other was XXXX.
The statute of limitation on debt in Florida has expired for a XXXX 's account being reported by XXXX and Equifax, it is violating the Fair Credit Consumer Act that is negatively affecting my livelihood and credit. XXXX 's account has expired and I have attempted to have XXXX to remove this account as they did with the company to which XXXX 's sold my account to ; XXXX XXXX XXXX. I am entitled to sue for any and all violations against the XXXX XXXX XXXX XXXX.
I have not received enough information to verify the debt. I have repeatedly requested proof of debt, they only have the statement but nothing else. I have disputed this information and they continue to say that the debt is mine without proof.
I opened a XXXX money account with CONN Appliance. I purchased a table and washing machine 12 months no interest. I purchased a TV and stand in XX/XX/XXXX 2014. The balance XXXX from the XXXX money account was carried over to the new contract to combine XXXX.  I received a call XX/XX/XXXX and the representative stated that I has a past due XXXX.  I have never been late on my account so I asked what account are you talking about?  The representative stated the $XXXX would bring me up to date and that I was not late.  After breaking down the accounts I was told that the accounts were seperated.  I told them I had the paperwork and the balance from the XXXX account was carried over.  They seperated the accounts without my knowledge, added interest to the $XXXX which bought the seperated account up to over $1400.00.  I signed a new contract and the old contract was posted as paid. I was told the store should have contacted me.  I went to the store and XXXX gave me a customer service number to call and told me not to listen to them.  I have received harassing phone calls, collection threats and feel as if I am being scammed.  I have spoken to supervisors and no one is will to work with me.  The store blames corporate and corporate blames the store.  CONN Appliance waits until you are almost done with your payments and changes things without your knowledge.  This is fraud.
I am a XXXX XXXX XXXX grandmother who has an account with Wellsfargo bank. My grandson help me open my account so i could pay some small bills. This account had some terms that required me to have the minimum requirements to avoid any fees for the account. XXXX is to have a minimum balance of {$1500.00}, or have a direct deposit of {$500.00}, or have XXXX transactions per month on my account to avoid any fees for this account. I do n't have direct deposit nor do i have {$1500.00} on my account, so i relay on spending XXXX transactions on my account with my debit card. This past month i was charged with a {$10.00} fee due to having XXXX transactions instead of XXXX. However, when i called they mention my account statement cycle changes every month and that I did n't meet the minimum requires for this month since XXXX has 31 days. When we open the account they mention i only needed to have XXXX transactions within one calendar month. This sounds like a unfair practice as every month changes days. It also sounds like an abusive practice since i am on limited income and they want to take {$10.00} from my account. It also sounds like a abusive practice and they do n't want to refund this fee. I need some assistance with this matter.
First, I want to state the the choices you have for description of issue does not really give my exact issue. The issue that I have is that the collection agency never tried to contact me about a bill and instead just marked my credit report as up for collection and delinquent. I found out about this collection by reviewing my credit report. 

Syndicated Office Systems never contacted me about this bill and instead just put it in my credit records that I am up for collection and delinquent, in my credit report I found out about this debt through my FICO score going down and my contacting XXXX. Upon further investigation on my part, I have found that this is a fraudulent bill. Syndicated Office Systems ( the collection agency ) should have contacted me before putting this up for collection and marking my credit as negative. No effort was made on their part what so ever. Through my own investigation, I have found that this bill is for someone else, different name, in another state. I now need to file police reports, contact via certified mail all the credit agencies and take the time off from work to complete all these tasks. Not to mention the money lost from work, but also lost from certified mail postage costs, etc. I feel it is unethical that this collection agency never even attempted to contact me. Now I need to clear up my credit because of Syndicated Office Systems not even putting a ounce of effort into notify me of any bill and giving me the opportunity to get this cleared up before it has gone this far.
On XX/XX/XXXX I received notification from myfico that a personal finance account was removed from my credit report. The account referenced was an account that I have had since XX/XX/XXXX. It was one of my favorable accounts. XXXX XXXX XXXX. This account I paid as agreed and it was a good account. However, somehow this account was removed from my credit report without a dispute from me. When I called Transunion the rep tells me that the creditor XXXX XXXX XXXX is the one who removed the account. I then asked for documentation that the creditor removed it because they wouldn't have had any reason to yet the rep said he could not provide me with any proof. I'd have to get that from the creditor.
I received a loan for school, through XXXX back in XX/XX/2004, for around {$20000.00}, but the school went out of business before I could finish the classes. Ive been paying on this loan since then, I have tried to work things out with Navient through emails, but have not received any response. I have tried to make payments on their website, but have been refused, stating the payments were not enough. Now my loan is in default. I will not conduct business over the phone, My information is to important.
There is a collection company that is reporting a bunch of medical debts that are unknown to me, I have disputed and requested validation and nothing has been received and this information is still on my credit file which is in error.
I have some conerns in which I was able to obtain a loan in XX/XX/XXXX. without the use of the agency coping my social security card at that time of approval. Currently they called to allow me an increase in which they told me to bring in my social security card due to my issues of identity theft. I brought in all of my documents today as I did in XX/XX/XXXX when first approved. I had FRAUD VICTIM on my credit report they pulled in XX/XX/XXXX as the same one the credit report they pulled on XX/XX/XXXX however this time they would not give me the loan increase because I would not allow them to make a copy of my social security card. I informed them that due to the ongoing issues I had in the past I have a right to not allow you to copy my card however I am showing you my card. You have my proof of income with the last 4 of my social security on it and you have my drivers license with me in front of you. You see my social security card so for you to deny me this loan because I refuse to let you copy my card is not right. Under 31 CFR 1.32 I should not be denied if I choose not to allow someone to copy my social security card. They have many other forms of proof I am who I am even when I loaned in XX/XX/XXXX with my current loan still open
I have a loan on a vehicle and my payments are {$430.00} ally financial is saying that I am {$45.00} past due and I have records from bank to show payments was deducted
Innovis has been told several times that the XXXX account ending in XXXX was opened fraudulently. In spite of this, the company has reinstated the account on my report. However, the credit grantor has removed this account as fraud from my report. Innovis must not report any XXXX account opened in the date of XXXX XXXX. If innovis reports another XXXX account opened in XXXX XXXX, I will sue for violation to the Fair Credit Reporting Act.
I have a a unverified account from PORTOLIO RECOVERY ASSOCIATES. I had previously disputed this account. I have never done business with PORTOLIO RECOVERY ASSOCIATES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that PORTOLIO RECOVERY ASSOCIATES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( XXXX ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTOLIO RECOVERY ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I am on a repayment plan income driven and my payments are {$0.00}. On my credit report my score keeps dropping because Navient keeps reporting my balance increase. I contacted Navient and they keep telling me they are not reporting and there is nothing they can do.
On Thursday XX/XX/2018 I went to Key Bank to withdraw money from the ATM at the branch on XXXX XXXX XXXX WA. I pulled up to the ATM and inserted my Optplus visa card and began the transaction. I had used this card dozens of times with no problems. This time the ATM said my transaction was declined, but did not give me a reason as to why. I went into the bank and explained what had happened. I was told that this was not the first time the ATM had " eaten, '' tellers words a credit card that was not Key Banks. That was bad but what happened next was worse. I said I did not want to get more overdraft fees and asked if I could do a bank transfer and was told no, the bank did not do that. I was referred to the bank MGR. I explained what had happened and he said there was nothing he could do. I explained that it was KEY BANKS faulty ATM machine that had eaten my card and he said basically too bad! I closed my account there and then. No one even said they were sorry! Worst customer Svc!
In XX/XX/XXXX I cancel my service with XXXX XXXX, I paid my account in full. I had a number of cell phones which I physically returned to the XXXX store in XXXX, IL. The manager of the store said he wasn't able to provide a return receipt as they were not defective, I left the devices with him in the store. 

A few years later I received a collection letter stating I owed XXXX. I've responded to each and every collector of this account that I do not own anything as the account was paid in full and the equipment was returned to the store. There are no amendments to the contract that states XXXX can add additional fee 's in the case of equipment only to the outstanding balance of the account, which was paid in full. 

The current collection agency is falsely reporting the account was active in XX/XX/XXXX which is not correct and I have disputed this claim.
I never made any of these purchases but I have tried to talk to XXXX and my financial institution and neither place will help me get my money back. 
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