WillisBack/dataset-financial-user-claim huggingface dataset:
I checked my credit report and saw that there is a judgement against me. The reference number is XXXX. I DO NOT have any contracts with these people. I DO NOT know who they are. I have never received a letter to go to court. My lawyer was never notified and I was never summons to go to court. I was denied credit because of this public judgement. They have never given me the chance to fight it and just placed it on my credit report. 

Public Record Details Reference Number XXXX Court -- Date XXXX XXXX, 2012 Status -- Amount {$1600.00} Classification -- Type legalitems
On Friday the XX/XX/2018 it was a hold or freeze put on my paycheck that was sent through PayPal so I called and got no good info only thing ai was told it was for security reason because of the amount it was which was only {$220.00} but it could take them from 72hrs to 21days to hold my money but Im not a seller or buying anything its just a issued check for work which I give out free government phones through XXXX XXXX/XXXX  XXXX so how can my money be alerted for security if Im not buying or selling good
I began the process of refinancing my home in XXXX. This was my second refinance with Chase so I was relatively familiar with the process. At the time I placed what was supposed to be a refundable XXXX XXXX dollar deposit to secure my rate. 

Contact with my broker has been limited, he often takes a week or two to get back to me. After what was much longer than the initial time-frame indicated, he had an offer that was much different from what it began as. The lenders were apparently heavily scrutinizing my income source and were refusing to recognize the value in shares I own in the company as equity. It being a company started in 1996, with XXXX locations in XXXX states and over XXXX employees, to which I have been able to prove I own over XXXX percent. Both my attorney and accountant have supplied everything the lender requested to substantiate my ownership, but they said it not being a publicly traded company, my shares were not even worth the XXXX XXXX dollars I needed to prove I owned. The XXXX XXXX dollars of annual gross revenue did n't matter to them, nor did the XXXX XXXX dollars in assets which our tax returns correlate. 

At this point I indicated that the only cause for scrutiny was the fact that our business was not mainstream, ( we are a chain of XXXX ) that they were unfairly discriminating against me, and I wanted management involved at this point. I also requested a letter with all of the specific reasons for delay and any adjustments to the offer also being explained and itemized. That was almost two months ago and I have n't received anything other than an initial response that they 'd get right on it. 

I know I 'm being discriminated against, that my company is being unfairly judged despite sufficient documentation, and that Chase is trying to sweep me under the rug. I also know that I have rights in this situation and am looking for assistance defending those rights. If there 's any help your offices could lend me or direction you could steer me, I 'd be deeply appreciative.
I AM SICK XXXX TIRED OF THIS BANK TAKING MONEY FROM ME. WHY WOULD YOU LET A TRANSACTION GO THREW OF MY ACCOUNT IS ALREADY NEGATIVE THEN YOU CHARGE ME XXXX DOLLARS AGAIN THEN A MAINTENCE FEE FOR WHAT YOU HAVENT BEEN CHARGING ME ONE.I AM TIRED OF THIS AND I WILL BE CLOSING MY ACCOUNT
I am XXXX and XXXX, they called at XXXXXXXX XXXX while I was in the restroom. when I called them back they wanted a friend and called an old number I got from the phone pool when I got a number.. 

XXXX XXXX?????????????????
Navient has been continuously calling me on my cell phone regarding my loans using a robotic voicemail. I have received an extreme amount of calls. I am having difficulty repaying my loans, and tried to solve this with the company, but was denied. They even call from different numbers, coming up as different states. These calls come in after business hours as well, and do include Saturdays.   XXXX  Just to list a few of the calls and times -  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   XXXX  @  XXXX ,  XXXX , and  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX   XXXX  @  XXXX
I had a vehicle repossessed in XX/XX/XXXX 2015 and the company is still reporting the vehicle as open and the balance is still accumulating interest
On Sunday, XX/XX/2017, I attempted to make my monthly loan payment online ( through navient.com ) with additional funds ( more than the amount due ) allocated to a specific loan. However, the Navient website does not allow users to allocate extra money to a specific loan. Instead, Navient allocates the extra funds across all of the loans, by default. The only way to allocate additional funds to a particular loan is to contact Navient Customer Service by telephone. 

This resulted in 2 issues : ( 1 ) I was unable to allocate additional funds to a particular loan through the website, and Navient 's Customer Service department is closed on the weekends. This resulted in my payment being 1 day late. 
( 2 ) I called Navient Customer Service on XX/XX/2017 to pay my bills and to allocate additional funds to a particular loan. The Customer Service representative indicated that the funds would be allocated accordingly, and she twice confirmed the specific loan number that would be receiving the additional funds. 

On XX/XX/2017, I checked my account online and found that, despite my explicit instructions to allocate additional funds to a particular loan, no money was applied at all toward that loan. Instead, Navient allocated the entire payment ( including the additional funds ) across all of my loans without applying any of the money toward the particular loan I had identified. 

The fact that I am unable to allocate payments through the website ( and instead am forced to call Customer Service ) is burdensome enough. This is further compounded by the fact that Customer Service is not always available to assist with this task. Finally, Navient 's Customer Service incorrectly allocated my most recent payment ; this requires immediate correction. Please note that I also sent an email regarding this issue to Navient 's Office of the Customer Advocate last night. As of this writing, I have received no response.
I went to XXXX first then to a XXXX ( XXXX ) Supermarket to cash a tax refund check from XXXX ( I live in XXXX ). 
Both places use certegy ( Formerly Equifax ). Both places refused to cash the check and gave no reason why. I called the customer service to find out why and again, they gave me no reason for the denial of service.
On XX/XX/XXXX I reached out to Wells Fargo to pursue a deed in lieu of foreclosure. Our property septic system was damaged ( system floated ) during flooding in XX/XX/XXXX of the property and our insurance did not cover the cost to repair was $ XXXX which we could not afford. We were where told we had to first get attempt to put the property on the market for 90 days & attempt to sale property, submit a request to short sale and be not make payment on loan before doing a deed in lieu of foreclosure. We hired an realtor & lawyer specializing in short sale and put the property on the market on or about XX/XX/XXXX. We submitted paper work and supporting documentation for the short sale application. We were assigned a Home Preservation Specialist XXXX XXXX. In XX/XX/XXXX we reached out to Well Fargo because house did not sale and was told we had to have the property on the market for 4 months after the approval of short sale. At that time we were told Wells Fargo did not receive supporting documentation we and our attorney emailed in XX/XX/XXXX. We faxed & emailed it to XXXX XXXX and our attorney emailed documentation duplicate copies. On XX/XX/XXXX we received an active contract on the property for a cash sale and our realtor and attorney reached out to Wells Fargo and was told they needed additional supporting information and we emailed and fax documentation to both XXXX XXXX. XXXX XXXX confirmed Wells Fargo received all required information to support application for short sale approval and a 5 day determination letter was sent to our attorney & realtor. We received a letter in the mail XX/XX/XXXX requesting the same information we again emailed and fax information. Wells Fargo continued to send communication that there did not receive documents up until XX/XX/XXXX. I called but could never get in contact with our assigned home preservation specialist nor loan adjuster ( XXXX XXXX XXXXXXXXXXXX, XXXX XXXX XXXXXXXXXXXX ). I spoke with another specialist and was Wells Fargo system showed documentation was received but short sale approval still pending. Also informed me that the loan was in active foreclosure but no sale date had been determined. We have done everything asked by Wells Fargo to avoid foreclosure but have been strong along entire process. I research issue and found Wells Fargo has done this to many customers. We have not been unable to resolve this matter even with attorney and feels attention needs to be given to this issue. Hoping CFP can help resolve.
Hello Consumer Finance, I 'm not sure where to even begin! I have been battling with Experian for the last few months and as of late I submitted a complaint against them. I 've had some fraud on my report and its been acomplete nightmare for me. Since I travel I guess I 'm an easy target. AND now it almost seems like experience is retaliating against me in the form of negative reporting. I 'll give you my evidence and what happened and hopefully we can make some sense of it. There was an XXXX ( # XXXX ... ... ) & an XXXX ( # XXXX ) that were and haven {$0.00} balance for years.no balance owed nothing. I filed a complaint against Experian about 2 weeks ago and as of yesterday morning. Those accounts mentioned both have a balance of $ XXXX. and was reported as a new charge-off and derogatory. ( according to the credit monitoring ). This has sent my credit into a tail spend and my stress and health are taking a toll. Please help me. Here is the attached screen shot showing the XXXX balance chargeoffs for the exact amount and how they showed out of thin air. 

I 'm already fighting with someone using my social and now I have to fight a large company ... I do n't stand a chance. and I think they know that so they keep doing stuff like this to people.
My concern is with JPMorgan Chase & Co. 's inability to provide my Heloc loan disclosures in accordance with the Federal Truth in Lending Act and possibly the Home Ownership and Equity Protection Act of 1994. They acknowledged receipt of my application on XXXX XXXX, 2017. I should have received Heloc loan disclosures with my application and then should receive additional disclosures prior to the loan being opened. I do n't agree with non-disclosure. We talked about this before and it is not my job to think of the questions to ask about the loan. It is Chases responsibility to disclose all the information regarding loan details to me. Disclosure of info only after the contract is written, delivered, and under a 24-48 hour suspense to secure the loan is seemingly inappropriate and not in my best interest. Additionally, it may be in violation of the law.
Chase will not provide details of how the Heloc works. I need to see the terms in writing, terms like how many years can I draw on the loan, can I lock the rate in, If I lock can I reopen and draw more if not at the max loan amount? If they exist what are late payment penalties, etc., etc. I have asked everyone from chase involved in my loan process so far, to include their executive office department that called me today. A conversation, filled with poor attitude on their part, that concluded with resending a letter they ( she ) admitted will not have the disclosure information I have been asking for. ( note : info I 'm asking for is not in regards to the interest rate as I know the rate changes with the FED ) I have a right to know the basic terms like what 's allowed, what can be done and what ca n't, basically how the loan works. It should be visible and obtainable by all customers to validate fair and equitable treatment as well as be in alignment with the Lending Act. The summary on their website is inadequate and truncated ( missing pieces ) to entice people to apply for their loan.
Furthermore, under no circumstance should anyone be pressured under a short 24 - 48 hour window to enter a contract which could potentially cause the lost of their home.
XXXX XXXX and Costco ended partnership. They transferred my card to Citi. 60 days later Citi sent me a statement with late charges saying I was late. I called them and they said I owed the {$510.00}. I asked them for what. They said it was money that was transferred over from XXXX XXXX. I told them I needed to know exactly what I spent it on. She said they would send it to me in a couple weeks. I told her I would pay the bill when I saw it. She said if I did not pay it right away it would hurt my credit. I told her that was ridiculous. I told her I would not pay any bill unless I knew what I spent it on. This seems very strange. 
I have good credit and always pay my bills on time. I do not like be threatened that my score would go down. I never even knew my account had been transferred over. I want to know that my score was not affected. I do not mind paying the bill, but I think I have the right to know what I spent the money on. They simply sent a bill saying I owe {$510.00}.
I 've never had an with this company AfNI.No one from this company has ever contacted me or phone or mail. I do not owe this debt.
Received a call from a person stated his name was XXXX, ( XXXX ) XXXX, at about XXXX XXXX, on XXXX XXXX, 2016, with Fair Collection and out source. I asked why he was calling me at this late hour. This is when he stated he was attempting to collect a debt i owed. I advised him that under California Laws he should not be calling me at this hour. He was rude toward me. I hung up the phone. It should be noted after I hun up he called bace again.
This loan was for training at XXXX XXXX XXXX out of XXXX XXXX fl they filed for bk and out of business i had no job and no income and no credit my dad just got done with a XXXX and the debt was discharged. The loan was reported as closed and current now all the old reporting is gone they have me as a signer and 60 days delinquent. I have received nothing from wells fargo they just go start reporting incorrect information and screwing my credit score because of there incarcerate reporting
Upon recently obtaining my credit report through transunion and XXXX, I discovered a debt showing in collections through a company by the name Midland Funding LLC located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Their telephone number is XXXX. They provided an account number of XXXX on my credit report. I have never held an account with this company and they are attempting to collect a debt that I did not make with them. I have never signed nor agreed to open any account with this company. I am certain this company has no agreement between them and I which I signed and agreed to. I feel this company is attempting to collect monies from me that I do not owe them. Judging by the Fair Debt Collections Act, this company is wrong by trying to collect money that I do not owe to them. I have attempted to settle this dispute by sending this company a letter of dispute via certified mail. I would like them to cease collection attempts immediately.
B of A made an offer for consumer rewards if I took out credit cards with them. As soon as I was approved they told me they were closing my account and were not granting the consumer points or credit they offered. I paid off the credit cards and now their sending statements that I have a balance for which they will charge interest. When I called B of A there Personnel were unable to tell me when or why they closed my account or how they were calculating a credit balance despite my having already paid it off. Their customer service representatives sent me to their credit collections where the person treated me like I owed them money.

I paid off all balances and was denied the consumer rewards offered when I opened the two cards This is consumer fraud And B of A is not answering my inquiries, rather they are treating me like I am a debtor
There is a breach of contract under the stipulation of late payment marked X on page XXXX. I contacted the corporate headquarter in XXXX and I was told that the automated system had set up my account to draft from my XXXX XXXX account on the XXXX of XXXX. 

I believe I was n't given the allotted 10 day time frame to be able tyo catch up on my missed payment. Please mediate for me as I do n't know how to go about this situation. 

Thanks and here are the paperwork needed for my claim.
Portfolio Recovery Associates is trying to collect a debt they bought from XXXX XXXX and they are not licensed to operate in the state of Georgia.
I ordered a XXXX set from Ohio XXXX XXXX. This co. then told me they could NOT ship it without a prescription and to order the mask components as XXXX separate items. So I cancelled the order and placed another order for the XXXX separate items. I got XXXX XXXX set but XXXX bills for the full amount of the mask set. I disputed the bill with Chase who issued my Amazon Credit Card. BUT Chase sent me a dispute form for signature AFTER the close date to return the form!! This of course made it impossible to dispute the charge, but I sent it in anyway and complained. Chase did nothing to help but rebilled the charge to me.
I was mailed a settlement offer letter. The letter was received after the due date for the settlement. I attempted to contact the collection agency multiple times and they refused to honor the settlement offer and payment arrangements. When I asked them to stop calling me they continue to call all of the representatives and supervisors we 're rude and threatening except  XXXX   XXXX .
Took out a loan thru the school now I found out the school has closed and I am unable to continue earning my XXXX degree. My credits will not transfer and I am stuck with the bill they did not offer me any refunds
I 've received multiple calls on a daily basis on my cell asking for someone I do n't know. I 've told the agency I 'm not the person they are trying to contact, that they are calling a company issued cell phone and I have had the number for 7 years. Last week I asked they stop calling this line and I received another call today
I contacted Wells Fargo Mortgage to discuss with them about going back to school and possibly modifying my home loan. I was informed it had to be delinquent. I was also made known it would proably take a couple of weeks. I immediately submitted to them all the documentation requested. 
I was asked XXXX time to submit a document after the initail submission and I did the very next day. 
The XXXX date of contact was XXXX. The Bank took as long as possible dragging my credit into a bad negative rating. I was told approx. 2 weeks. My XXXX payment was due XXXX XXXX 2014 for the XXXX Modification payment. I called and called and called. They did not care. They sent me {$1000.00} for the inconvience. I ask them to correct my credit because its their fault! They have said they would listen to recordings and get back to me. I have received numerous letters informing me it will take longer. If they listen to the recordings they will see I am correct! I signed a letter stating it would affect my credit, Yes but 1 month not XXXX. The represenative working with the modification said on a recorded message 2 weeks. I want my credit report as well as my brothers ( XXXX XXXX ) whom signs on the loan with me to be leagally corrected. 
They have ignored XXXX lied about this issue over and overXXXX XXXX XXXX
Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
I closed an XXXX account in 2012 due to I have no signal in my house. I returned the cellphones and was charged a re-stocking fees, XXXX credited my account for the amount due to me, later a received an statement reflecting a debt. I returned to the XXXX store and the manager understood the matter and gave me adjustment form and noted the charges did not apply. Some time later I received another statement and returned to XXXX and explained this all over, I got another adjustment form noting I was penalized incorrectly and told me this was resolved. 
Then, At the beginning of this year I received a letter from Enhanced Recovery Company ( ERC ) LLC collecting an amount for ATT, I responded with a package of all documentation exonerating me from the debt. I never received a clearing letter from the collection company XXXX. 
On Thursday I checked my credit score and realized this account is still reported as on collection on the credit agencies. I contacted the collection company ERC and resend all information, today I received an email were ERC says they returned the case XXXX. I call XXXX customer service and financial office and no one help me. I ca n't get to the right office XXXX to clear my name, in the mean time my credit is affected and I ca n't get XXXX to engage in a conversation to clarify this since XXXX representatives told me that they can not help me since the account is close and there is zero balance. 
I need help in having XXXX clearing their mistake and clear my record, since XXXX in 2012 I have tried to correct it and provided XXXX all the information about this matter, no one has even look at it nor responded to me. 

See attachments. 


Thanks, XXXX XXXX XXXX
I have been reading further into Equitable Acceptance and XXXX XXXX. I've heard they are a scam and I want to know how I can get out of paying them money each month for dealing with my loans. Any information would be helpful. Thank-You in advance.
Our 2nd mortgage ( lien ) with Wells Fargo was released ( without request ) and has now driven down our credit scores so now we ca n't get credit. At the end of the term, we were unable to pay the full amount of the loan, but kept making monthly interest payments, which WF would not accept and returned to us.
On XX/XX/2018 I went through the product selection and purchase processes on the SEARS website to purchase an item. When I arrived at the Payment & Billing section it shows an extra discount if you Apply & Use Now for a Sears Credit Card.

It is a very simple and direct button.

Apply & USE NOW.

The card was not even loaded into the bank 's website for me to retrieve the credit card # and security code.

They will mail the card to me - but, the item I am trying to purchase may not be in inventory anymore. 

I had my credit report run. Had I known that I could not Use Now as the button stated - I would have selected a different payment method and not had my credit run. 

The site needs to be updated and it should state that the card can not be used, until it is physically received in the mail. It should not state apply and use now. It should state apply and use when you receive the card in the mail.
I am being harassed by XXXX XXXX XXXX. They called my work after I asked them to please stop. It is disrupting my day. They even ask my coworkers what my schedule is and what time I will be in. They call me repeatedly over and over again. 4 times in one hour at work. I understand that I am behind and if they want to call my cell phone that many times then they can but to call me that many times at work is unacceptable.
Violation of fair reporting.ocu-validation, permissible violation to non legal agencies about consumers.