WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a home, paid down the loan caught Ocwen putting Principle monies towards payment XXXX times, I moved, and rented the house out, I took out Landlord insurance with XXXX XXXX. Claim # XXXX The renters vandalized the house and XXXX gave me XXXX for damages. The check was put into my name and XXXX. I sent the signed check with all their required Docs. they received it on XXXX XXXX 2015. In their letters they say how my fist draw will be in 7-10 days, today is the XXXX, ,I called and got the run around. First I was told they did n't get the check, then they did n't get the paperwork, it was all in the same package, then I was told, '' oh we see we got the check, but we need the paperwork '' ... I told them it was all in the same package ... ..Then it was " oh lets see if we can find it '', I 'm getting the royal run around with these folks, holding up the construction and selling of this property but I 'm still making Insurance and mortgage payments on a house no one can live in!
On XX/XX/2018, XXXX XXXX credit card stated they will REMOVE ALL LATE PAYMENTS from XXXX - XX/XX/2018. However, I checked my credit report from XXXX XXXX  and XXXX AGAIN to find that the late payment remarks still exist. I have also submitted two previous disputes with each CB as well as CFPB but nothing has been deleted and it's really stressing me out. When i contacted XXXX XXXX on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX XXXX trade-in would be redacted and deleted within 30 days, which would have been by XX/XX/2018. However, as of XX/XX/2018, the negative balance had NOT been deleted, which prompted me to send another complaint.
The credit bureau refused to provide me their Method Of Verification listed for accounts listed on my credit report. According to the FCRA 611 ( a ) ( 6 ) ( iii ) which states " if requested by a consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available ''. FCRA ( a ) ( 7 ), which is used for such a request, states : '' A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. On or about XX/XX/2018, and again on or about XX/XX/2018. I requested the Method of Verification via return receipt certified mail. Transunion refused to provide me with their Method of Verification.
On X/XX/18 I called Capital One to remove a $ XXXX monthly fee from my oldest opened account. they declined offering to open a new account with a yearly fee instead of a monthly. I have a credit score over 800. I have an XXXX and XXXX XXXX XXXX I use as my daily cards. Capital is purely nickel and dimming me. I offered to use the card and have the fee removed. I offered to have it converted to a standard card with no fee. Capital One declined each offer.
( The State of California Franchise Tax Board ( FTB ) is the original data furnisher. Please do not refer to XXXX XXXX County records as the FTB should have the judgement vacated based on its records ). 
In XX/XX/XXXX the State of California Franchise Tax Board file a lien with XXXX XXXX county due to missing XX/XX/XXXX filing of taxes. The FTB account number was XXXX. Once I became aware of the issue I filed the XX/XX/XXXX taxes. The State of California FTB then processed the taxes and determined that I did not owe the {$2800.00} that was estimated. I did not have any tax liability and received a tax refund for the XXXX tax year. I ask that the lien be deleted from my credit profile as the final determination by the State California Franchise Tax Board was that I was not liable for the {$2800.00}. In this case, the judgement filed with XXXX XXXX County should be vacated by CA FTB and/or completely removed from my Equifax credit profile. Thank you for your attention to this urgent matter.
My credit score dropped from  XXXX + to less than  XXXX . US Bank reported an account belonging to my ex-wife on my score. I was divorced in  XXXX . The account was opened in  XXXX . My ex-wife died in  XXXX  and the account went past due. US Bank has never sent me a statement, past due notice, or notice of adverse action. They just ruined my credit. I have called, written letters, and followed their formal complaint process. The amount is {$1000.00}. plus interest and fees.
Prestige financial constantly uses tactics such as harrasment and providing false information in an attempt to receive vehicle loan payments. I was advised for my XXXX 2015 payment that I owed an additional {$340.00} in fees. I received no advance warning via mail, email, text, or telephone although they constantly use those methods ( excluding mail ) to harras me if I am one day or more late with making a payment. I requested Prestige provide me with breakdown of additional charges on XXXX/XXXX/15 and as of today have not received any documentation, and am still being harrassed to make payment for fees. Prestige has reported multiple inaccuracies regarding car loan, and it has gotten to the point I dont even know my accurate loan balance. The online system reports one amount, and the representatives give you another amount. Prestige financial uses predatory lending practices and needs to be investigated.
After I retune my car and exchanged it with another MB, XXXX XXXX XXXX was supposed to payoff the over mileage of that car as they agreed on. after few months I received an invoice from XXXX XXXX XXXX that I owed them over {$1000.00}. for over milage. The dealership was saying they will take care of it and after several months finally they said as we did n't put that in the contract, I have to pay MB financial but they agreed if I pay XXXX % they will pay the balance. XXXX XXXX instead of paying it in full, they paid them a settlement amount without my knowledge which in XX/XX/2016 when I wanted to refinance I notice that they did n't pay in full and damaged my credit. there was a balance of {$260.00} was left. MB financial requested if I pay the balance they will change the report as paid in full. 
So I paid it off in XX/XX/2016. Still in all my credit reports it has n't been corrected and still is affecting my score and credibility. Please see attached letter from MB Financial
XX/XX/XXXX I received payment for {$590.00} for a pair of shoes I shipped on XXXX. 

XX/XX/XXXX My PayPal account was debited {$590.00} because the buyer reported her XXXX account was hacked and disputed the transaction. 

I don't find it fair that I shipped my item to the address ( I have the tracking number as well ) that was provided to me via the XXXX buyer and now the transaction has been disputed and I'm not only out my {$600.00} shoes, I'm also being charge backed by paypal for {$600.00} AND there was a charge back fee. I have tried resolving this issue over the phone numerous times with zero help. 

I also contacted XXXX who has Seller Protection as well. XXXX told me I would only be covered by their Seller Protection if the buyer opened a claim with them. I have no control over the buyer opening a claim with XXXX. I did reach out to the buyer and asked if she would open a claim with XXXX and received no response. 
On top of that XXXX charged me {$61.00} for Sellerss Fees for this transaction. 

As a business owner myself, I find the business practices taking place by these two companies unjust and immoral.
On XXXX XXXX, 2017 I sent a registered letter to XXXX XXXX XXXX about a credit report they filed on my name that I owe XXXX {$110.00} which is totally untrue. I explained to them that other then my cell phones with XXXX XXXX of which I am current with I dont and didnt have any business with XXXX for a many years and did n't get any notices from them of any balance. 
I didnt get any response from them and they did not remove this claim from my credit file
I had a Coinbase account where I purchased bit coin and where I also stored United state dollars. For some unknown reason, I received an email from Coinbase on XX/XX/XXXX stating that I violated their terms and my account would have to be closed without any detailed explanation. I am now trying to transfer out my remaining funds from Coinbase but am unable to link a bank account to complete the transfer. I have sent 2 separate emails to coin base with no response. All I wish to do is withdraw my money out of Coinbase but they are not helping, or telling me how to do it.
I have made the following withdrawals from my XXXX  account, and these were indicated to become available on my bank account by XX/XX/XXXX/XX/XX/XXXX, but have not been sent to my bank account ( IBAN : XXXX ) as of yet. 

Similar withdrawals in the past, were always successful, and received within the indicated timeframe. 
I need the funds to be available as soon as possible, and as the total concerns over XXXX USD, I hope you can appreciate the urgency. 

I have tried to contact the company, but to no avail, as there is no response to my submitted ticket ( case # XXXX ), and their helpdesk via phone keeps one in the queue endlessly ( I had to hang up after 1.5 hours yesterday ) I appreciate your help in this! 
Thank you in advance, XXXX XXXX XXXX Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX  Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX
The recent Equifax hack has stated I 've possibly been effected. I 'm upset with the time it took for this company to relay important information to the public regarding the hack. Seems like some insider trading was being done as well if the stories online are true about CEO 's selling off their stock before informing us.
Lvnv funding is not willing to delete this off my credit report I have offered to pay but they will not assure me that they will submit a deletion. I have tried today XX/XX/2019 to call them about this debt because I was never sent a certified letter regarding this debt. They never properly notified about this deb I am asking for a deletion off my credit report
MCM continues to report this account to credit bureus as open and continues to report an amount that continues to rise each time. They have not yet validated this account or amount when asked through letters.
Mastercard sites will not find an atm location on their XXXX different sites! this is fraud to get you to pay fees! also spent 20 minutes on the phone ; it finally said hold on for a person. Then said they hade a high volume call back later and hung up on me again ; tried 3-4 times! 
These are the XXXX sites try them ... ... ... ..the last one is SS web site, too! 
XXXX XXXX XXXX
My name is XXXX XXXX &! On XXXX XXXX, 2016 my friend XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal then the bank manager XXXX contacted her again and informed her to bring the money back due to a fraud alert we were informed that if XXXX XXXX brought me to the bank and I verify my identity and I would be granted my refund of XXXX everything would be fine that was not the case when we got back to the bank the branch manager XXXX just wanted the money I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX Bank I have limited information about my funds and I was referred here to possible get a resolution my contact number is XXXX
( Below is the last correspondence I sent to the company ) This Letter shall serve as formal notice of my Intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law. 

In correspondence dated XXXX, you received a demand for validation and cease communication letter from me delivered to you via certified mail. Your response dated XXXX failed to provide me with validation and instead asked that I provide you with information. 

The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 

FCRA1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 
2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 

FDCPA1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $ 1,000If you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX XXXX and XXXX ) within XXXX weeks of your receipt of your receipt of this correspondence and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency. 

If you fail to remove the account, I will be filing a lawsuit for multiple violations of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I will be seeking civil liability in the amount of {$1000.00} per violation. Please also be aware I will file a formal complaint with the Federal Trade Commission, The California Attorney General 's Office. Thank you and I look forward to resolving this most expeditiously.
In XX/XX/XXXX, XXXX XXXX and XXXX XXXX did a construction job for XXXX XXXX XXXX. Because, they did not pay there unemployment taxes and XXXX XXXX owner of XXXX XXXX was my husband at that time and signed a contract with XXXX XXXX the unemployment taxes was in his company name. Because Texas is a community property state and both of us had closed accounts they reopen my account and put the unemployed taxes on my account and put a freeze on my bank account and it was sent to the Credit Bureaus. I have manage to get it taken off XXXX and XXXX. But, I ca n't get it off XXXX. I faxed them the same documentation almost XXXX months ago, they sent me out another report but not the dispute for the for the taxes. I called and the representative found the faxed documentation but they had not investigated it. I asked her if she wanted me to upload more documentation and she said no. I told her that I had received documentation from IRS, because I did the Injury spouse form and she told me that they did not need anymore documentation. The reason why XXXX put the unpaid taxes on my account is because when they sent the results of the hearing they put on the top of the letter XXXX XXXX XXXX XXXX d/b/a XXXX XXXX, but XXXX started XXXX in XXXX, we was not married at that time. His assume name is in XXXX XXXX d/b/a as XXXX XXXX, XXXX XXXX took full responsibility for the taxes not XXXX XXXX. Why would I call for a hearing knowing that this was a XXXX XXXX. We was not married when he start his business, we were married in XX/XX/XXXX. But it was put on my credit file as a Individual not Joint. If you look at the account number, they are totally different and if they really investigate they would know that, XXXX XXXX Assume name was acquired in XX/XX/XXXX or XX/XX/XXXX. My assume name was acquired in XX/XX/XXXX I am going back to college but because of this I ca n't get a private student loan. If Texas was following there own rules and the Federal government XXXX XXXX is not responsible, he only paid the employees wages, he did not paid for the material or equipment, and the other company told them where and what time to be at work. By the Sub-Contractors laws State and Federal, XXXX XXXX is responsible for the wages. and this was a Federal Contracting Job. But, one of the representative from the XXXX told XXXX XXXX of XXXX XXXX how to avoid paying the social and medicare taxes. The third party ( XXXX XXXX ) did not even call in. I have all of my documentations, plus XXXX has them. You can contact me at XXXX, email address : XXXXXXXXXXXX
I have had several issues with Wells fargo bank. First when they switched over they said that I signed up for things like checking account overdraft and some other programs which I did not. Then they were charging me isf by readjusting the way monies were posted to make it a isf. I have talk to so many representative about these issues and got a different answer are no answers at all. XXXX representative was so disrespectful and unprofessional that I ask for the complaint address. I also believe that they took monies out of my account between XXXX and XXXX. They sent me about XXXX different atm cards at one time said disregard the first ones and sent another set then another set. I was so confused and I never got any straight answers with this bank. I had been with them since XXXX XXXX so I was trying to work with them but I knew they were doing some under handed illegal things. I 'm just glad now that somebody else caught it and did something about it. Please help me with all that you can. I do n't have documents but i can get a print out from the bank from my history. I just want this investigated to see if it was any wrong doing to my account. I always felt it and I knew something was n't right. Please help to to see if i was part of their scam. Thank you for your kind attention to this matter.
I hired XXXX XXXX to make monthly payments to all my ceditors and in XXXX of XXXX I was sent a notice form XXXX XXXX that I was late XXXX days. I called XXXX and submitted a dispute to Transunion and I have not been able to remove that late payment nor XXXX XXXX was able to either. I pay my portion To XXXX each month and they pay my creditors the same day every month, no reason to have a XXXX day late Credit Card payment.
Southwest Credit is attempting to collect on a debt that they purchased from XXXX. When I requested debt validation for thus alleged debt thet failed to properly validate it.
There is a company listing many collection accounts which I have requested validation and nothing has been received. Is this legal?
I too k 6 h ours  of   XXXX    classes   XXXX    2014 and s hould have qualified for a deferment. My school participated in the clearinghouse and does not provide proof of attendance as this is supposed to be reported to the servicer electronically. Rather than giving me the benefit of the deferment, the loan servicer offered a modification and included capitalized interest and fees that would not have been due had the deferment been granted as required. As a result, these things were added to the total balance, and my credit report was negatively impacted.
Twenty two years ago when I was XXXX XXXX XXXX I signed a Retail Installment Contract with XXXX XXXX XXXX to finance a gym membership with XXXX XXXX XXXX in the amount of {$1000.00}. Four years later my wife was served at our home at XXXX XXXX XXXX XXXX GA XXXX with Civil Action 98-CV-1308 in regards to this unpaid contract. A judgement in this matter was filed on XXXX XXXX, XXXX and my wages were subsequently garnished until the judgment was satisfied in full. Please see the attached documentation showing the garnishment on this matter was satisfied in full on XXXX XXXX, XXXX. I never heard anything further regarding this matter. We were never informed of any liens on our property pertaining to this matter. 

On XXXX XXXX, XXXX I received a letter from XXXX in regards to a judgment in the matter of XXXX XXXX XXXX in the amount of {$770.00}. On XXXX XXXX, XXXX I called and spoke to XXXX XXXX with this firm and discovered that this was the XXXX judgment. I informed him that this judgement has been satisfied twenty years ago when my wages were garnished. I also requested Validation of the Debt and followed up this call with a letter ( see attached ). I never heard anything back from this firm nor received any Debt Validation. 

XXXX XXXX, XXXX I sold my property at XXXX XXXX XXXX and a law firm handled the paperwork pertaining to that transaction. Subsequent to the sale of my property I was contacted by the law firm because they had been contacted by Cooling and Winter regarding an unpaid lien on my property in the amount of {$820.00}. After researching this matter I have discovered that it is in fact in regards to the debt that was collected by XXXX XXXX XXXX and XXXX back in XXXX. After the satisfaction of the debt by garnishing my wages they subsequently filed not one but two liens against my property. One in XXXX and one in XXXX, both on a debt that had been fully satisfied back in XXXX by my wage garnishment. The firm who handled my closing unfortunately paid them the money and are now trying to recollect it from me.
I have filed a complaint against XXXX where they are reporting that Capital One says I owe them {$1000.00}. XXXX came back saying that it meets the " Fair Credit Reporting Act ''. I have not done business with Capital One XXXX. They came back and now show this as a debt to " XXXX XXXX '' who is listed as a " debt buyer '' with original creditor as Capital One XXXX. Capital One XXXX is fraudulently reporting that I have done business with them, when I have not.
ASSET ACQUISITION GROUP , LLC, has created another judgement against me. A case between this collector was back in XX/XX/XXXX  in the Sate of Florida ( case :  XXXX  ) and the case was dismissed. ASSET ACQUISITION GROUP , LLC created a judgement in  XXXX  in New Jersey which I never knew about. Then created a judgement in  XXXX  and lost the case. On  XX/XX/XXXX  ASSET ACQUISITION GROUP , LLC, create a new judgement against me in New York. This is the first judgement by ASSET ACQUISITION GROUP , LLC that I was notified. Since this is the first time ASSET ACQUISITION GROUP , LLC notified me legally in  XX/XX/XXXX  that is when the collector has tried to collect on an old auto debt passed the Statue of Limitations. This is a new judgement against me  XX/XX/XXXX and this debt is from  XXXX .
Due to Lack of Privity I have no relationship between ASSET ACQUISITION GROUP , LLC and never signed a contract or agreement with ASSET ACQUISITION GROUP , LLC.
This judgement is a Failure Of Consideration due to the fact that I have never entered into any contractual or debtor/creditor arrangements with ASSET ACQUISITION GROUP , LLC.
ASSET ACQUISITION GROUP , LLC state hat my credit application had   XXXX   XXXX   XXXX   XXXX  ,  XXXX , New Jersey  XXXX  however I had never lived there. Also ASSET ACQUISITION GROUP , LLC states that they served me at that same address in   XXXX   however I have never lived there. The Plaintiff has no proof of that address and my social security number associated with that address.There are several   XXXX   XXXX   XXXX   within the state of New Jersey.
XXXX called out of the blue and threatened to sue me for " attempt to defraud '', have me arrested, and have my driver 's license suspended if I did n't give them {$200.00} for a 9-year-old invalid debt immediately. As you can image, I was scared & complied. 

After researching the company ( they do n't even have a permanent address ), I realized I 'd been defrauded. 

XXXX