WillisBack/dataset-financial-user-claim huggingface dataset:
Was made aware of a Writ of Garnishment on all financial accounts with my SS # tied to, that are legally exempt from garnishment by a law firm called XXXX XXXX. After contacting them, it 's in regards to a judgement that was issued by falsified documents, improper service, and no evidence that I was even the account owner. I was never made aware of a judgment and they have done everything they could to hide documents so I would n't know all the details. I was able to get into the courts records of the case against me and was able to find these improper documents they used as " evidence '' against me without my knowledge. The account that they used in an attempt to extort money from me illegally, was a charge off by XXXX bank back XX/XX/XXXX. According to this, the first delinquency would have to have been nearly a year prior to that. Even with that date, this account would have been considered " time-barred '' and a legal suit against me could not happen. Hence why they tried to circumvent Texas law, where I have lived my whole life. I have all the court documents pertaining to this issue now. I received notice XX/XX/XXXX a hearing XX/XX/XXXX to object to the garnishment and I 'm having difficulty getting a court clerk to call me back to set up a telephone conference seeing that I do n't live in Utah and do n't have the ability to appear in person. I 'm actively trying to find a way to have this judgement set aside now, but my funds are limited and the time constraints in my response are short before my protected funds are handed over to these crooks permanently. They only took about {$1000.00} all together, but over {$800.00} of it was from my XXXX daughters account. Because of Texas law, I had to be listed on her account because she is a minor. I 've taken steps to protect her from future issues that may arise, but she deserves to get her hard earned money back. We just do n't have the money available to us for legal counsel. I 've also done research on Federated Capital Corp and there is a website that specifically addresses my exact issue and this is a common practice with them. Also, the attorney 's in question, keep changing who they are affiliated with. One day its XXXX XXXX, the next it 's Federated, and then yesterday I find out that their email addresses are XXXX XXXX. How is this legal and who are they really? According to Texas XXXX XXXX, this would n't be acceptable and is highly suspicious and unlawful. I 'm just hoping that someone will come in and speak up for all of their victims and do something about this. I 've currently filed a identity theft report with my local law enforcement agency, # XXXX ( has n't been made available to attach yet XXXX, and I 've filed a complaint the the Texas Attorney General office as well.
I have a a unverified account from AD ASTRA REC. I had previously disputed this account. I have never done business with AD ASTRA REC. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA REC 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 ( s ) 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 AD ASTRA REC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
On XX/XX/XXXX, a XXXX XXXX from Fair Collections and Outsourcing called my phone # of XXXX and divulged to an unauthorized 3rd party that I owe a debt. Thereafter, this person also called my work and left a voicemail at my extension stating that there is debt owed. This, I beleive, is considered as unfair practice. 

On XX/XX/XXXX, the same person called XXXX six times which constitutes harassment. 

Secondly, i have not received any invoice or debt validation showing the breakdown of the amount of {$7400.00} that they are saying that i owe. i also would like to request for a copy of the contract.
ALDRIDGE P. HAAN, LLP SENT COURT GARNISHMENT ORDER TO EMPLOYER WITHOUT ANY DUE PROCESS OF LAW, ACCOUNT OUTDATED PASS 15YRS OLD NOT COLLECTIBLE EXPIRES STATUE OF LIMITATION OCGA 90-3-23 AND 9-3-25, I DO LIVE IN THE STATE OF GEORGIA LAW SUE FILED, COMPANY VIOLATES FDCPA AND FCBA
32 days ago I mailed Security Credit Services a notarized debt validation letter for an account which is on my credit report. Based on certified mail tracking information from the United States Postal Service this letter was delivered and left with an individual. 32 days have passed, and Security Credit Services has neglected to respond to my debt validation letter. In addition, Security Credit Services forwarded this account to the credit bureaus without first notifying me of the account and my right to dispute the debt within 30 days. Security Credit services has violated two laws outlined by the FDCPA and this account remains on my credit report unlawfully.
I want to call attention to what I consider to be a load of XXXX. Currently, my checking account shows a direct deposit from my employer on XXXX XXXX ( today being XXXX XXXX ). Normally, I would not think anything of this, however it shows that amount as being available now. 

The last time this happened, I took Citizens Bank at their word, and operated under the belief that my money was mine to use. They proceeded to hit me with {$100.00} in overdraft fees - for using money that they told me ( via their website ) was available. Out of the kindness of their collective heart, they refunded {$35.00} when I complained. 

Now I see the same thing happening. However, I 'm smarter this time. I consider this practice to be deceptive and predatory. They 're dangling the carrot out in front of me, waiting for me to take a bite so they can charge me a bunch of fees. How is this even legal? 

As a XXXX Bank customer, I demand an explanation for this wolfish practice. If there is no resolution, my wife and I will be taking our business elsewhere. I attempted to submit this message through XXXX Bank 's secure message site, but it was rejected for " exceeding the limits ''.
The debt is from  XXXX  credit card company. The debt was included in my chapter  XXXX  bankruptcy (  XXXX  ) that was discharged in  XXXX . I have notified this company of of the fact that I have been  discharged  out of chapter  XXXX  bankruptcy several times. It appears that the debt is being sold time and time again because I continue to get calls and harassment continually by different  collectors  swearing they did n't know that I claimed bankruptcy. I have notified this particular collector of the chapter  XXXX  bankruptcy and its filing number, yet the debt still is appearing on my credit. Just a side note on the credit report it shows that the account was opened in  XXXX . That is n't true. I 've not had an account with this provider since the bankruptcy.
Equifax was hacked and 143 million Americans, including me, had their personal information stolen.
The aforementioned credit agency representing   XXXX   XXXX   has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If  Receivable Mgmt Group  does not have any documentation, they need to remove this from my credit file immediately.
I am filling a complaint with our mortgage company on a residential investment property that we purchase in XXXX, the name of our mortgage company is Mr. Cooper Mortgage, and in wish a few months ago had a name change, from Nationstar MortgageXXXX XXXX To, Mr. Cooper Mortgage. 
The problem is that Mr. Cooper Mortgage ( Nationstar Mortgage ) have refused to comply with the court order from our chapter XXXX bankruptcy that was filed on XXXX XXXX, it was confirmed on XXXX/XXXX/XXXX, it was Discharged on XXXX/XXXX/XXXX, and it was closed on XXXX/XXXX/XXXX. The court order for Nationstar Mortgage was confirmed at XXXX at 5.25 % interest rate for a amortized 30 year loan with the first payment beginning on, XXXX/XXXX/XXXX. Prior to our Bankruptcy being close and the reason our case took an extra year to close was because on XXXX/XXXX/XXXX Nationstar Mortgage sent us a preliminary notice of foreclosure stating that we were {$9100.00} in default, with an unpaid balance of, {$150000.00}, we filed sanctions against Nationstar Mortgage for failing to comply with the court confirmation order, and to properly apply our mortgage payments to the loan. 
On XXXX/XXXX/XXXX we filed sanctions against Nationstar Mortgage, on XXXX/XXXX/XXXX we reached, and signed a Settlement Agreement with Nationstar Mortgage, moreover Nationstar Mortgage paid out {$7000.00} toward our attorney fees, and we paid our mortgage co. ( Nationstar Mortgage ) {$3000.00} to bring our mortgage loan current. On XXXX/XXXX/XXXX the sanctions were dismissed because both parties had resolved our issues according to the Settlement Agreement. Soon afterwards our bankruptcy case was  finally closed on XXXX/XXXX/XXXX. 
From the date we closed our BK case till now XXXX/XXXX/XXXX Nationstar Mortgage, same as Mr. Cooper Mortgage has not corrected our mortgage loan, they have not send us any mortgage monthly statements, Mr. Cooper mortgage ( Nationstar mortgage ) has refused to comply with the court order, and our Settlement Agreement. 
I have contacted their customer service call center, and bankruptcy lost mitigation department every month, and several months every week, and twice per month in trying to get this mortgage company to get their accounting corrected. For the past 3 months they claim that it is in review for the cramp down, and settlement agreement, but they have had over 15 months since our BK was closed to correct our loan accounting, and to send us a monthly mortgage statement.
Capital One Auto Finance was recently removed from my credit report. It than reappears but states that last payment was missed XXXX of XXXX which is not valid. Per my credit history and there company last payment from me was received XXXX during the repossession. I spoke to a customer service rep at the company who stated she would get this item removed from my credit report. However it has not been removed and it has shown open and than closed more than 3 times. I have tried to work with the credit reporting people and sent 3 request to have this removed since the account is from XXXX. However I have been unsuccessful in this process as well. It has caused my credit to fluctuate up and down and I was denied a loan due to this incorrect information on my report. Both my credit report and the company show that my last payment was in XXXX but they are reporting this to the credit bureaus more recent. If the information were to be actually accurate I would owe nothing and the company would actually owe me money per my investigation. 
Can someone please help me
I am trying to set up a repayment plan based upon my discretionary income and the amount is still much, much too large. I am being asked to pay {$1400.00} per month. This would be in addition to my monthly mortgage of {$2200.00} per month. Student loan repayments of this amount are unsustainable. I can pay about {$450.00} to {$500.00} per month, that 's it. I can not seem to get speak with a human being to negotiate a payment that is reasonable for my family budget. Can you help me with this? Everything in electronic via a website link or e-mail. No human being with decision making authority are available to speak to me about this. Please help. 

My phone number is XXXX, Thank you.
When talking to them they can not provide information about account about services rendered for break down or dates so that I can cross check it against my XXXX eob form for payment because several times in the past it has already been paid but it takes time. They do not care and demand payment with out discloresure because they do n't have that information.
Received a loan through XXXX XXXX XXXX, who in turn hired BSI Financial to service it. XXXX properties, XXXX loan. The servicer has repeatedly demanded I pay insurance on the properties even though premiums were collected a year in advance at the time the loan was made. XXXX is again threatening force-placement, and repeated attempts by my rep at XXXX XXXX to correct the issue have not yielded results.
Today, I paid my credit call bill with XXXX XXXX XXXX XXXX card. I asked them if I could have my interest rate lowered due to me having great credit. They told me they could check to see if that could happen, 1 minute later the rep over the phone told me that it wasnt possible because my 15 % apr rate was the lowest. My APR rate was increased without my knowledge plus my credit line last year. I asked for my credit line to go back to where it was before which happened but not my APR rate. I asked to be transfored to a financial department that makes the decisions on APR rates and was denied. Chase told me they could not handle my requests. I was transfered to XXXX card financial department and they told me they couldnt help me and knew very little about Chase bank and the type of deal they have with Chases card services. They only encourage consumers to use XXXX Rewards for 3 % cash back. I then told them I am filing a complaint with CFPB but referred to you guys as the credit consumer.
I called PNC bank and told them I was returning an item that was not as advertised but the company refuses to pay for return shipping. PNC Rep told me to return the item, when its posted to the credit card, call back and we can dispute it. I paid to ship the items back and called PNC Bank to dispute the shipping charges and was told that it can not be done. I then was transferred to a supervisor and was told the same thing. Now im out {$35.00} because of false information. I would of kept the item and tried to sell it on my own. I asked the supervisor if there 's anything he could do since Ive been a customer for over XXXX years and was told " no ''. This is very upsetting since I dont have money to spare.
All of the above. 
Upon finally leaving XXXX as a XXXX on XXXX i hired a local cleaning crew give our base housing another final clean. The management told us not waste our money due to the fact that our residence was the last house remaining with carpet. We were told they would tear it all out and lay hard wood like all of our neighbors. I thought it was finished. I was wrong. 
To check out of base housing por house was inspected. We passed. 
With My papers signed we left XXXX military life headed to Idaho. 6 months later my wife started getting phone calls throughout the day ... Every day. All day. Some minutes apart. Some hours apart. 
She nearly answered them all. Diligent to find out who was harassing her she maintained her routine. I would n't have. But they did n't call me ... The XXXX, who 's credit it 's on. Who 's name was the housing. 
When called base to figure out the details XXXX military housing said did n't owe anything and agreed with the previous statement that the floor covering removed and a wooden laminate was put in place. 
However the so- called dent is still reflecting on my credit. 
I want the whole thing And all derogatory remarks removed.
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I DISPUTED 2 ACCOUNTS ON MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX, IT SHOWS TWICE ON MY CREDIT REPORT FOR TWO DIFFRENT AMOUNTS. THESE ARE NOT MY ACCOUNTS AND THIS COMPANY CAN'Y VERIFY MY SOCIAL OR NO OTHER INFORMATION AND TOLD ME I WOULD HAVE TO DISPUTE THIS WITH THE CREDIT BEREAU, THESE 2 ITEMS WAS DELETED FROM ALL OF THE CREDIT BUREUS EXCEPT EQUIFAX, I ASK THEM TO SEND ME VERIFICATION OF THESE 2 ACCOUNTS AND THEY HAVE NOT SENT ME ANY VERIFICATION OF THESE ACCOUNTS AND HOW THEY WERE VERIFIED, IT HAS BEEN OVER 30 DAYS AND DISPUTED TWICE AND ALL THEY SENT ME WAS AN UPDATED CREDIT REPORT SAYING IT 'S BEEN VERIFIED WITH NO ADDITIONAL INFORMATION. THESE 2 ACCOUNTS NEED TO BE DELETED FROM EQUIFAX, THEY WERE ALREADY DELETED FROM XXXX AND XXXX.
I contacted transunion on XX/XX/2018 to dispute inquires listed below because i was victim of their " inquires Issue '' and they refused to remove it. There for i come to you with hope you can help me to remove the following inquiries and delete them completely from my credit INQUIRIES XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) XXXX XXXX XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) To delete they said they would not help
I have an XXXX XXXX XXXX account. On my Equifax it shows the account balance as incorrect and the the months of payments are not showing up correctly. Please update this problem. 

Thanks
I received my signature card in the mail after opening a savings account. The signature card revealed my entire social security number. I felt like this was not a good practice to expose the entire social security number of the customer, especially through XXXX mail. I felt as though they were setting me up for identity theft. I called twice to complain and I was told it is simply their policy. I had no idea my personal information would be tossed around so carelessly by Ally Bank.
XXXX, XXXX Transunion has all failed to remove inaccurate information from my credit file. I've reached out and tried to get this matter addressed. I'm a victim of ID Theft and have suffered as a result. I've reached out to the local police and credit bureaus. The following accounts are result of ID theft : 1. XXXX XXXX XXXX # XXXX   2. XXXX XXXX XXXX  # XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX  # XXXX XXXX XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/XXXX I was supposed to receive a payment of approximately {$620.00} in my XXXX XXXX for selling bitcoin on coinbase. Coinbase.com has been unresponsive so far about the missing payment. They shut down their phone line and are no longer taking calls. 

In my account history it says the payments have been complete. However if have not received my owed money yet from them. They have been completely unresponsive so far. 

The transactions are as follows : XXXX XXXX - Checking {$4.00} USD Completed XX/XX/XXXX XXXX XXXX XXXX - Checking {$610.00} USD Completed XX/XX/XXXX So far I can not reach anyone at coin base. I 've tried calling, submitting claims, and messaging support via XXXX. They have stonewalled me so far
Bridgecrest Credit which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$10.00}, XXXX with XXXX, XXXX  and XXXX credit reporting agencies. I requested verification of the debt and account however Bridgecrest failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
I am financing a car with XXXX XXXX. In the title of my car is my cousin too who absolutly does not mind in provide a Gift Letter to allow another lender finance my car and leave me alone.
Last week I had my credit around XXXX. XXXX showed me 3 options to refinance my car. Then I have chosen OpenRoad. I followed the link and I submited what they requested me. Then I got a phone number sugesting me to speak with a representant.
I spoke with the representant and they told me they can not do nothing if my cousing is in the title and I have to remove him from the title first. Offcourse I do not know nothing about it and I asked them if they had any idea how to do so. They do not know as she said.
Ok. I came home and I decided to go on sunday to XXXX, where I discovered that they run my credit on saturday. Offcourse my credit droped down and I could buy the XXXX eider.
On monday I received a letter from OpenRoad. Please find it attached. They said I am approved and I should call them again. then the same problem came. I spoke with every possible manager in that company and I sent them several emails. They do not care.
As I know they run my credit asking to 4 banks.
If you need anything from me please let me know.
On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of Civil Action No.  XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with Equifax, XXXX, and XXXX, XXXX persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, XXXX has committed violations of the Fair Credit Reporting Act.
XX/XX/2018 Pursuant to a dispute of the date of a Chapter XXXX bankruptcy filing, Experian declared they contacted the company reporting the information an ( unnamed source ) verified the information. 

Pursuant to FCRA, Section 609 a ( 2 ) I am requesting written proof of the verification of the Chapter XXXX bankruptcy if this is not provided the bankruptcy must be deleted. Pursuant to FCRA, this information must be provided within 15 calendar days, if Experian does not, it is a violation of the FCRA and the entry must be deleted.

Pursuant to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of the reinvestigation. I am requesting a written description of the procedure used to determine the accuracy and completeness of the information provided to EXPERIAN, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

It is without dispute FCRA requires the furnisher of the information must ( in
this circumstance ) be directly from the UNITED STATES BANKRUPTCY COURT XXXX  DISTRICT OF FLORIDA, not a third-party agency to verify disputed information.

Attached is the investigation results of the Experian report and a copy of this document. 

Regards, Mr. XXXX XXXX
Experian charged my husband 's card without his permission twice for services that he did not ask for. He simply used his card to check his credit report and they continued to charge him for other services. When we called Experian, they denied that they had charged us so I had to call my bank several times to dispute the charges. Two weeks later, we noticed they were doing the same thing to my card. The charges were disputed. All of the money was returned, however, I have read so many complaints online about this same situation. This needs to stop. This isn't right.
yet again have diputed what wells fargo have not complied to do, over XXXX complaints against wells fargo bank fraudulent forclosure XXXX to XXXX every time i diput because they havnt answered my questions now iam in the process of hiring a atterney to sue wells fargo for fraud and perjury committed in all courts around america from XX/XX/XXXX concurrant the CFPB have done nothing for me or all the other fradulent forclosures and i have all the originall paperform letters and documants no matter how long it takes i will prove that wells fargo committed fraud and perjury