WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX working on behalf of XXXX XXXX XXXX ( XXXX ) received a writ of execution to levy my and my mothers bank account for a total of {$11000.00} after getting a default judgement back in XX/XX/2018. My mother nor I received any legal paperwork regarding this court filing from the XXXX XXXX XXXX that lead to a default judgement and levy which was granted in XX/XX/2018.  Yesterday my mother received a letter from her bank stating that {$11000.00} was attempted to have been collected due to the levy. In XXXX, My mother and I had a stipulation of settlement with the law firm XXXX XXXX XXXX in regards to the XXXX XXXX XXXX account with XXXX XXXX XXXX. In XXXX, I had received a letter in the mail stating that XXXX was being sued in a class action lawsuit from the CFPB and that my loan was included. It further stated that any collection activity must cease until all the accounts are audited. I havent received any correspondence from XXXX XXXX XXXX since the settlement in XXXX until recent when my mother was sent a notice of levy against her account on XX/XX/XXXX. I have been in a legal battle with XXXX since XXXX. XXXX XXXX XXXX obtained a judgement without sending any paperwork as I have always answered to and appeared in court in regards to this matter. They are still attempting to collect on this debt after my loan was included in the lawsuit that stated debt collection must cease. I have received no correspondence of any evidence of auditing of my student loan account with XXXX  as of yet.
I have a Kohls credit card. They closed my account in XX/XX/2018. They stated the reason it was closed was " Principal owner ( s ) have past, present or pending legal action. '' Well I have NO legal actions. This is not a valid reason. And I have no lawsuits with Kohls. They are just closing my account under false pretenses. This is just a made up  reason.
XXXX/XXXX/XXXX : I opened a Citi Account Package to take advantage of the {$300.00} promotional bonus being advertised at that time. XXXX/XXXX/XXXX : I met the requirements to qualify for the promotional bonus XXXX/XXXX/XXXX : At least 90 calendar days after I completed all the requirements of the promotional bonus, the amount of time stated in the fine print for the bonus to be posted to my account XXXX : Various email message asking about bonus ( I checked off to save all my messages but some of the messages failed to save to my Citibank inbox ). I followed up regarding the bonus promotion and was first told that I did not have a promotional code. When I stated that I signed up within the time frame that the promotion was on and that I saved a copy of the advertisement, Citibank changed its determination and said I did qualify for the promotion. I was then asked to mail in a XXXX ( which was not at all disclosed until after I had to follow up with Citibank ). At that time, another customer who took advantage of this promotion informed me that he received the bonus without needing to submit a XXXX. I tried to ask Citibank why the process was different for each customer, but they only told me that I was required to submit a XXXX. I complied and sent the XXXX towards the end of XXXX. I then followed up again to see if Citibank received my XXXX via chat message. The agent told me that my XXXX was rejected because I did n't include my account number on there ( there was no instructions to include the account number from Citibank and the XXXX itself lists it as optional information ). I do n't understand why it was rejected when the information on the XXXX is close enough for Citibank to determine which account it should apply to ( eg. SSN, name, address matches what Citibank has on file for the ONE bank account I have with them ). XXXX/XXXX/XXXX : Sent revised XXXX with correct information, was told that I would receive an email message from Citibank to follow up on the XXXX by XXXX XXXX. Received no such email. <P/>As has occurred every single time, I had to initiate follow-up with Citibank. Citibank has not attended to this matter at all except to respond to my emails stating that another step had to be taken on my part. They were also inconsistent with their information, telling me that I did n't apply and then I did apply, making me call in to ask what to put on the XXXX and misinforming me so I made them tell me in writing. I have done everything on my end to fulfill the bonus requirements, yet Citibank continues to prolong this and not award me the proper bonus.
Transworld Systems, Incorporated contacted this consumer, XXXX XXXX XXXX, on our about XXXX XXXX, 2017, in an attempt to collect an alleged debt. The communication was received without the prior consent given directly to the debt collector as defined in 15 USC 1692 c.
On the communication is the consumer 's name and an account number. Within consumer law, as defined in 15 USC 1693a ( 2 ), an account means an asset. For apparent purposes of misrepresentation, the debt collector - as clearly stated on the communication - is holding an account belonging to a consumer. This is misrepresentation ( 15 USC 1692 e ) as a financial institution is defined in 15 USC 1693a ( 9 ) as any other person who, directly, or indirectly holds an account belonging to a consumer. Threats to the reputation are also stated in the communication per 15 USC 1692d 1. Assets are being held for the consumer while attempting to collect an alleged debt from the consumer. XXXX XXXX XXXX, consumer ( 15 USC 1692a ( 3 ) ), is seeking actual damages in the amount of {$25000.00} USD pursuant to 15 USC 1692 k A 1.
Recently I checked my credit report, and I saw that one medical item on my report. I was surprised how can the collection agency add an item on my credit file without sending me a notice of right to dispute.
A previous complaint was filed ( XXXX ) against Wells Fargo for a lack of information regarding a foreclosure against XXXX in XXXX Alaska. I requested all information and paperwork on this foreclosure. The information requested included all banking records as well as all mortgage paperwork Wells Fargo has on file. 
I requested all documentation that shows how XXXX had any unpaid debt. I also requested documentation of all payments and any complaints XXXX may have filed with Wells Fargo. 
I requested this information as Conservator for XXXX. Wells Fargo received a copy of that paperwork and my request for documents. Wells Fargo responded that they were working on it. It has now been 2 months and I have not received and of the documents I requested. The contact at Wells Fargo ( XXXX ) has not returned my phone calls or responded to email and Fax requests. 
I am asking the CFPB to assist me in gettiing Wells Fargo to respond. If Necessary Kick this up to the Justice Dept as a bank fraud investigation.
I had a joint mortgage account with my ex-husband with XXXX, and noticed that my most recent Equifax credit report contains a late payment reported on XX/XX/2012. I submitted a letter to XXXX documenting that circumstances revolving this late payment ( s ) were unavoidable on my end. I separated from my ex-husband and joint account holder, and vacated the home on XX/XX/2012. I have provided XXXX with a copy of my divorce decree showing this. I moved to an entirely different state in XX/XX/2012, and was in a different residence when the late payment ( s ) may have occurred. I have also provided them with a copy of my bank statement for XX/XX/2012 showing that at that time my address was XXXX XXXX XXXX, XXXX GA, XXXX. 

Apparently, my ex husband was working with XXXX somewhere around that time ( XX/XX/2012 ) to complete a mortgage modification, which XXXX required that the he be late on the mortgage before they would provide assistance. I was unable to make payments on the mortgage at a home I vacated, while also making rent payments for my new residence. 

The letter I sent to XXXX was sent from my current address, but XXXX will only send a response to my ex-husband 's address. XXXX has refused to speak with me by phone to rectify this issue and continues to state that I must dispute by mail, although they refuse to reply directly to me by mail.
We purchased a car from JD Byrider / CNAC XXXX from them. My husband had a major XXXX over 100 miles from home. I stayed in contact with XXXX, our collections account manager, she was aware and we verbally agreed that I would be able to make all past due payments upon return to XXXX. 3 days later, I got a phone call from XXXX XXXX XXXX " XXXX '' XXXX demanding payment that instant or she was issuing the reposseion order for the car. I informed her of my conversation with XXXX, and she told me that it was n't her problem and told me I had until close of day to have payment in their office. She would n't listen to myself nor her employee when she told her the same thing. Finally, they repossessed the car. I never received a notice of intent for the vehicle nor any communication on how to retrieve my belongings, including my drivers license, insurance documents, nothing. I tried calling and it was always " She was n't in '' when they asked my name.
Never received any communication from XXXX XXXX ... then I get hounding from Portfolio Recovery..also received one letter .. thats it .... Now I am getting inquiries from the XXXX XXXX in XXXX..XXXX XXXX XXXX..again with very little information. I answered the initial letter from XXXX XXXX XXXX..stating I am disputing the debt.. asked for all of the appropriate documents as stated..including signed credit agreement..how PRA came to own the debt..or does XXXX XXXX XXXX own it.. 

The companies have not, in my opinion, working in good faith. Since I am retired, all my income is from SSI and state retirement..exempt..own no savings. I am talking with a bankruptcy attorney.
I took out a student loan through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in  the summer of XX/XX/XXXXto attend XXXX University. My mother, father, and grandmother are co-signers. At this time I was led to believe that HESAA was a federal loantheir literature said that they were federal and there are photos of Governor XXXX XXXX and the New Jersey state seal on their website. I took out another loan, again with my mother, father, and grandmother as co-signers, through HESAA in XX/XX/XXXXto attend graduate school at XXXX University, again believing that it was a federal loan. I began to make payments on the loans in the fall of XX/XX/XXXX, after I discontinued my graduate education. At this time, I realized that they were not federal at all, given that there were no options for income-based repayment. Ever since, I 've been dealing with their exorbitantly high repayment options and inhumane methods of communication ( constant phone harassment and very rude customer service reps ).
LoanCare took a double payment for my mortgage back in XX/XX/XXXX. They then lost the payment and reported me late in XX/XX/XXXX. I opened an investigation and results were inconclusive and left me showing a late payment ever since. I have since resolved the matter on my own, to my own satisfaction, by applying for a modification to being the account current and make the payments more affordable. 

XXXX XXXX, the person handling the matter through loancare agreed to remove all delinquent payments from my credit report. Most were removed, but not all.
Daily calls four times a day. I spoke to PENNCREDITCORP at XXXX to stop calling me. They started calling more. 
I got calls yesterday at XXXX, XXXX and XXXX. It rings and then stops right away. It shows up on my phone whos calling but if I look up recent calls it doesnt show up. This is very annoying and has been going on too long. If this isnt resolved I will contact the police and report them. 

I dont have a debt with this company or any other company.
{$860.00} has been paid to Carrington Mortgage LLC since they took over my mortgage from XXXX XXXX XXXX. They have taken more money than what is required for the monthly payments yet it does not reflect the payment amount made on Carrington 's website. The principal has increased on the house for no reason and when I asked XXXX XXXX for an inquiry, Carrington mortgage refused to comply with credit karma and the account of Carrington Mortgage was removed and they no longer report on my credit report. But what is the most concerning issue is the raising of the principal on house, it is not an accounting error, is it a deliberate act of hiding the payment, the amount and the transaction. <P/>I have records of every payment thru XXXX XXXX, please contact me or XXXX and I will release that information as necessary. <P/>Thank you, XXXX XXXX XXXX
On my credit report XXXX XXXX XXXX is listed as an inquiry. XX/X/16 date of occurrence. I have no recollection or have not done any business with this company. I do not recognize this inquiry. I have reached out to this company and credit bureau as well no resolution.
As you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on XXXX XXXX  that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION.
My loan is service d by Navient and has  incurred high interest rates. This is a loan fro m 2005 an d I currently an active student pursuing my  XXXX  Degree. There are errors within this loan.
On  XX/XX/XXXX , I contacted TransUnion directly at  XXXX , regarding an account that reflects as  XXXX   XXXX   XXXX  on my credit report. I advised the individual that this account was paid in  XXXX  and according to their own report the last date the TransUnion received an update from the data furnisher the account was opened  XX/XX/XXXX , and the last date reported was XX/XX/XXXX , which reflected a current balance owed of {$810.00}.  <P/> This balance was paid in  XXXX , and I have advised both Transunion & the original creditor via letters ( by mail ), disputing it on TransUnions website & through  XXXX   XXXX . I have sent  10 l etters starting in  XX/XX/XXXX and the last  three  I sent were in  XXXX ,  XXXX  and  XXXX  of  XXXX . TransUnion at no time investigated the item, they only sent me a copy of my credit bureau.  <P/> In each letter I indicated the account had ben paid off, and that they needed to update the account. Subsequently as a result of TransUnions negligence, I show I have a 31 % credit usage, and I have been denied credit, as well as charged higher interest due to the increased DTI. By TransUnions own records including this {$810.00}, I am using {$2100.00} out of the {$6900.00} available credit on my credit cards.  <P/> If TransUnion had updated the file in  XXXX , as per my request by letter and the dispute process I would only be utilizing {$1300.00} out of my {$6900.00} available credit, which drops me from medium risk at 31 % to low risk at 19 %.  <P/> On my last phone conversation with TransUnion on  XX/XX/XXXX at  XXXX    XXXX  .  C.S.T., I  advised the representative I had a certified letter from the data-furnisher stating they have requested the account removed. I provided the name and phone number of the individual at the data furnisher, and the representative said they would contact the data-furnisher to verify the information. When I spoke with TransUnion later that day at   XXXX   XXXX  . I was advised they did not contact the data-furnisher and would not do so.
I have n't had a medical collection in many years and do not owe any medical bills. These are false and can not be validated Central Fin Control #  XXXX  {$2600.00} " " #  XXXX  {$1100.00} " " #  XXXX  {$800.00} " " #  XXXX  {$800.00} " " #  XXXX  {$2600.00} " " #  XXXX  {$2100.00} " " #  XXXX  {$810.00} These are false and again can not be validated nor verified
Back in XX/XX/XXXX my wages was garnished for a credit card debt that I had no knowledge of. I did not know about the debt until my wages was garnished. At the time of garnishment my employer gave me the contact information for the debt collector. I disputed the debt XXXX XXXX, XXXX. The garnishment was dismissed. Now, on XXXX XXXX, XXXX a motion to continue writ was filed by another firm. I did not receive a letter from them, XXXX XXXX XXXX, XXXX. until XXXX XXXX. I again filed a motion to stop the garnishment and also filed an exemption due to me being the head of my household. The debt does not belong to me and in addition to that they failed to respond to my dispute as required by the FDCPA. The debt also seem to be time barred because the case is from XX/XX/XXXX and I can only imagine the date that the account was opened or the last time they receive a payment from the person who the account belong to. The is company is violation FDCPA for trying to collect on time barred debt and for not responding to my dispute within the required time frame.
I am the XXXX of the XXXX XXXX XXXX XXXX XXXX ( XXXX ), a XXXX of approximately XXXX homes in the XXXX, TX area. Our average home price is between $ XXXX to $ XXXX. There is unfortunately a home located at XXXX XXXX XXXX, XXXX, TX XXXX that has been vacant for the past five or so years after the owner was placed in a XXXX XXXX. XXXX has had to spend {$30.00} per week to maintain the yard as the mortgage company does not have anyone maintaining the home. This has been going on now for over five years. The home continues to deteriorate to the dismay of the neighbors and the community. The back yard is a health hazard due to overgrown vegetation. The mortgage company is Ocwen Mortgage and of course they refuse to speak to anyone about the home due to privacy reasons. The home has never been posted for foreclosure.
Creditor name is PHH Mortgage Services We were traveling overseas during the months of XXXX and mid XXXX, 2018 and  were not aware that our XXXX payments, sent automatically from my XXXX XXXX XXXX account as a Bill payments, had been returned. However, upon realizing this mistake in late XXXX, I made several attempts to remotely solve the situation : - I sent another 2 Bill payments ( {$1500.00} and {$1700.00} ) from my bank in late XXXX that were deposited and CLEARED my account on XX/XX/XXXX, XXXX. However, unbeknownst to me, PHH FAILED TO CREDIT THESE PAYMENTS TO MY ACCOUNT. 
- Upon realizing that the payments had been returned I called PHH around XX/XX/XXXX and attempted to make a phone payment but the representative told me the account was blocked and I could not do so. 
- I then spoke to several people and asked to speak to a supervisor to see if I could send the payment electronically via a wire or ACH but was told that my account was blocked and that I could only pay with certified funds. 
- I then proceeded to send a wire to a neighbor for {$5500.00} and I asked him to go to a branch in person and pay the loan at a cashier, assuming that cash was certified funds. However, upon arriving at branch he was told that cash was not an acceptable for of payment.

- At this point I decided to cut my overseas trip short and return to the USA myself to deal with this situation. 
Now my credit file is showing 30 days late for XXXX and I'm unable to obtain a mortgage for a new home despite having made EVERY effort to pay PHH on time. I tried, they refused.It almost seems like they didn't want me to pay, crazy ...
this is a debt for an apartment that I signed for my son, o explained to this company. this account was a pay to delete agreement. I paid XXXX dollars to this company for this debt that I did not incurred but I signed for my son to live there so I was held liable. once I pay the debt to National credit systems I received a letter stating the account was paid, so I immediately thought the process to delete this from my account would follow. from XX/XX/XXXX until XXXX XXXX I know this account should have been adjusted. so I wrote them a good will letter and explained what was agreed upon payment and that I kept up end of the deal and they did not. I want this account deleted from my credit file all XXXX as I was paid and agreed upon. I faxed and mailed letter to this company and no response or removal of this account from my credit file. They are holding my credit file hostage with his derogatory information that was suppose to be deleted years ago. I want his account removed asap from my credit file.
I was previously an XXXX service member with an auto loan with US Bank through the XXXX. I was not properly informed of the additional fees associated with the auto loan for having my payments withdrawn by allotments, I was lied to about the cost of the GAP insurance that I had covering my vehicle and I was also misinformed about the payment schedule of my loan payments for each month. I believe that I was taken advantage of as a young naive service member. The auto loan has been paid in full since XX/XX/2013. I have previously spoken with US Bank on a few occasions but was unsuccessful in having my requests met.
I sent a loan payoff payment that would have paid my capital one auto loan in full but capital one has not processed my payment yet. I have been charged additional interest and late fees. Additionally, due to the lien not being released from title, my new lien holder has also penalized me with fees.
Since XX/XX/2017, I have tried to have 2 incorrect accounts removed from my credit report, because I have not done business with the institution. I have all sent the bureaus a fraud affidavit in this regard and the 2 fraudulent/unknown accounts still exist on my report. I noticed XXXX has a wrong social security number on my report. I have sent in my social security card and they still have not correct it. I believe that is how the two accounts got placed on my credit due to the wrong social security number.. 

XXXX- XXXX XXXX XXXX XXXX
Diversified Consultants reported a debt for XXXX XXXX XXXX on my credit report. Thy did not attempt to contact me for any verification of debt. Diversified Consultants reported to all 3 credit bureaus {$150.00}. This was for unreturned equipment. I contacted XXXX XXXX XXXX and my account reflects that I do not owe them {$150.00} because I returned my equipment. Had Diversified Consultants followed the law and mailed me a letter to verify the debt this could have been resolved before they placed it on my credit and caused my score to drop over 30 points. This has been an undue burden on me financially, caused by the negligence of Diversified Consultants, and I want this negative reporting removed from all 3 bureaus immediately.
Equifax is continuing to report erroneous information in referenc to XXXX accounts that do not belong to me, have no/cancelled contract, and have been previously deleted and reinserted.