WillisBack/dataset-financial-user-claim huggingface dataset:
I reached a judgment agreement in XX/XX/XXXX regarding a XXXX credit card debt following my divorce in XXXX. I hired an attorney to help me reach a payment plan and reached a second payment plan in XXXX of XXXX. I was making the payments and fell behind as a result of my salary decrease and the death of my son 's father since there is no more financial assistance from him. I made a payment in XXXX of XXXX and the balance was {$13000.00} ( I  believe ). On XXXX of XXXX, I asked the lawyer I had hired to reach out to Moss Law Firm and request a reprieve for a few months, because my son 's father had died in XXXX of XXXX and I am no longer getting financial assistance toward his car insurance or his health insurance and due to downsizing at my company my salary was cut from {$60000.00} per year to {$36000.00} per year. 
When the firm I hired reached out to Moss Law Firm, they said my agreement with them had been terminated due to non payment. I believe I was two payments behind. Then the attorney I hired initially said I would have to rehire them to have them negotiate for them again. When I called Moss Law Firm, and the call was recorded, I asked them if I could reinstate an agreement at or near the {$13000.00} balance and their immediate response was " no, you would now owe back to the {$20000.00}. I do not believe they incurred over {$6000.00} in fees in this short of time. Also, since my checks are made to XXXX, I do not believe in the few short minutes they put me on hold they had any communication with XXXX regarding this issue. Since XXXX hired this outside attorney, I believe their collections practices are egregious.
I went to XXXX to received the medical emergency help in XXXX 2015 due to the work injured and I had the claim number which I provide to hospital, but the bill was sent to me. 

I tried calling ( XXXX ) XXXX number in hoping to talk with XXXX ( the actual bill : proof file attached ) trying to explain to them to what was going on, but this number would never be working. There were no chance to talk and correct this matter. 

So, I had to forward the bill to my attorney in XXXX 2015 ( please see proof file attached ) No further bills have sent to both my attorney and I after XXXX 2015. 


Bill was not paid until I acknowledged the alert from my credit report ( on the night of Friday, XXXX XXXX, 2015 ) where my point dropped down XXXX points. After I know the problem, I took care of the bill myself ( payment posted on my account on Tuesday, XXXX XXXX, 2015 ). 

My attorney made the informal conference to XXXX agent ( please see file attached ) XXXX did not take care this bill. That was the reason why my credit score has dropped XXXX points because the collection action was put under my name. 

I need XXXX insurance explain in writing where I report to credit bureau that it was not my false.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX {$4900.00} Per Credit Report this account was first reported in XX/XX/XXXX. I have filed several dispute since then asking for validation of debt and have gotten no result from XXXX, equifax, or XXXX. No documentation has been given you, was simple just sent a generic letter stating that information was verified to be true. As recent as XX/XX/XXXX, I did a dispute and received the same result from all three credit bureau. I need to get this resolve.
I had a debt with XXXX XXXX, there financial partner was XXXX XXXX XX/XX/XXXX. It went into delinquent status. I called the collection agency who had my account, XXXX. XX/XX/XXXX we settle the account in question for {$1500.00}. I have a settlement letter from the company XXXX. Stating the payment was received and paid in full. 
Unknown to me my account was sold to XXXX XXXX and then sold to Resurgence capital. Now for the past 4 years this has ruined my credit. Not until I was trying to purchase a home and looking at a high interest rates did this come up.
This vehicle was repossessed by XXXX XXXX XXXX in the State of  Virginia on or about, XX/XX/17, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
On Tuesday, XXXX XXXX, 2015, I cancelled my Internet and TV service from XXXX and verified that I had a XXXX balance with the account representative. Indeed, XXXX 's partner ( XXXX ) actually processed a refund for money I was due. However, on XXXX XXXX, 2015, I received a bill collection notice from Convergent Outsourcing ( which may be owned by XXXX ) stating that I owed {$410.00} for non-payment to CenturyLink, even though no notice of any such debt was ever presented to me from CenturyLink. I believe the attempt to collect this non-existent debt is simply XXXX " punishing '' me for choosing a different Internet and phone service provider.
The Citi Bank checking account opened XX/XX/XXXX and {$15000.00} was deposited XX/XX/XXXX as required for the bonus {$400.00} offer which was initial deposit with {$15000.00}. This deposit has been almost 6 months now. However, I am still waiting to receive the bonus {$400.00}. Communicated with Citibank reps, I 'm eligible to get the bonus such as proper promotional code used, {$15000.00} funded outside of citi account, and it matured more than 4 months without any withdrawal fund. Rep told me that also XXXX form has been received and certified for tax purpose. No reason to delay to get bonus. I am tired to contact the over the phone and their secured message. It leaded here to camplain as last resort.
A qualified written request was submitted to the lender on   XXXX   with no response and no postponement of the sale date to allow time for there research to provide the requested loan information and history to assist the client in keeping there home
This company calls me 6-7 times a day. They rarely identify themselves when calling. I am constantly cursed at, threatened that they will show up at my home, tell my supervisors " what I have done '', threaten to arrest me, etc.
Transunion is reporting a payday loan from XXXX on my credit report which it has been reporting since XX/XX/XXXX. I am a resident of Pennsylvania and according to Pennsylvania law it prohibits payday lenders from charging interest rates and fees that aggregate in excess of 6 %, pursuant to Section 201 of the LIPL, 41 P.S. 201. Any unlicensed payday lender engaging in internet lending to Pennsylvania residents is not authorized by Pennsylvania law because it violates the CDCA and the LIPL. According to my credit report my amount borrowed was {$800.00} and I was due to pay {$1300.00} back which I 'm sure is well over 6 % which would make this loan illegal. I have disputed this account with Transunion numerous of times over the past 2 years and it has been verified every time. In XX/XX/XXXX I mailed my dispute in stating that this loan is illegal which made it void and unenforceable and should not be reported but Transunion would not delete the account. About 40 days later I mailed in a follow up letter to the company and CEO of the company yet this account still remains. I would like to know what type of investigation Transunion did for my dispute because according to the Fair Credit Reporting Act all information reported by a credit agency should be accurate. I understand that Transunion relies on information from the furnishers but if I notified them numerous times that this account was illegal Transunion should have reviewed its procedures to ensure accuracy. I believe that Transunion is in violation of the Fair Credit Reporting Act and I am requesting that this XXXX be deleted from my credit report immediately.
This item shows as XXXX years old and should not be appearing on my credit report. For XXXX it does not ..., XXXX not appearing however for XXXX it is still there.
Portfolios recovery keeps calling after I told them repeatedly I have no money at this time and I am XXXX and can not work at this time. I realize I owe money but calling me and harass me is not putting money in my pocket
I received letter last week from XXXX a law firm which states they do n't have any attorney personally evaluating my account however Midland Credit Management is stating I had a credit card with XXXX Bank in the amount of {$830.00} in which a bill was going to an address where I never lived in XXXX XXXX. They asked me a few questions and unfortunately I did give my social number however my wife noticed there were charges in XXXX on the credit card and they had a DOB which was not mine.
This is regarding violations of the FCRA by Bank of the West, in their capacity as a furnisher and user of consumer information. Briefly : The bank generated an erroneous XXXX score that does not match with the contents of my consumer reports, made adverse decisions based on false information, and failed to correct this information. 

Details : In XXXX XXXX I applied on-line for a checking account at Bank of the West, in response to an advertised promotion. The application was declined twice, citing consumer reports from XXXX and XXXX XXXX. 

This was surprising and unexpected, since my credit history is excellent with XXXX negative items, and I had never been declined for a deposit account by any bank before. I reviewed my reports from both XXXX and XXXX, and found them both to be spotless with XXXX negative items. 

I had several conversations with agents of Bank of the West XXXX hereafter referred to as the Bank XXXX, including their XXXX office. I presented the complete and detailed consumer reports from XXXX and XXXX, pointed out that they contain XXXX negative items, and requested a manual approval of my application. The Bank claimed that they can not consider these reports, and they only go by the 'XXXX XXXX ' included in their original letter of denial. 

The Banks letter of adverse action contains a XXXX score of XXXX, a very low score that does not match with my consumer reports. Considering that my XXXX score is XXXX and none of my consumer reports contain any negative or derogatory items, a XXXX score of XXXX has to be an error. The Bank first claimed I had to dispute this with XXXX. I did so, and XXXX claimed it is not them but the banks who generate XXXX scores. 

So it appears that Bank of the West had generated a false XXXX score, and made an adverse decision against me based solely on that erroneous score, without considering the actual contents of my consumer reports. This adverse action now causes a continuous negative impact on my future consumer reports. Despite my repeated requests to correct this score and remove the erroneous entries from my consumer reports, the Bank has refused to take any corrective action. 

I am attaching my most recent correspondence with the Bank, which explains the problem and my requested resolution in detail. If necessary I can provide additional evidence, including prior correspondence and my full consumer reports. Thank you.
I have paid my bill, yet it shows that my balance is unpaid on my credit report. I paid my bill on the XXXX of XXXX.
Portfolio Recovery assoc iates,  XXXX . Repeating daily calls to collect a debt I do not owe or even previously dealt with company in the past they represent. Demanded there is no on else with my name, and I was trying to avoid taking care of my responsibility. I am not the first I am the third  XXXX  in the family. I have repeatedly asked to have my number removed from their list.
I am a victim of identity theft. I received a debt collection letter from XXXX XXXX XXXX stating I owed money ( {$1100.00} very suspicious amount ) and the current debt owner is JH Portfolio Debt Equities.The original creditor is XXXX. I researched XXXX XXXX and every single review said they were a scam. Both XXXX XXXX and JH Portfolio say an account was opened with my name and social and they last payment date was XXXX/XXXX/11. It was first reported on XXXX after it became a time-barred debt. I asked for debt verification from JH Portfolio ( current debt owner ) and they told me they have to get the proof first. I have called XXXX 5 times and each time they have said they ca n't find and information on an account opened with my social security number or the account number that JH Portfolio Debt Equities gave to me. XXXX XXXX has not provided me with debt verification and has stated that they do n't even have proof of the account and that they have to get proof before they can send it to me. XXXX has no records of this account so where is JH Portfolio going to get proof from? It has been put on my credit report and they have not provided any date the account was opened with XXXX only the last payment date ( XXXX/XXXX/11 ) meaning it is a time-barred debt by Texas standards and I was mostly likely underage at the time the account was opened. I have filed a police report and complaint with the FTC and JH Portfolio has not acknowledged that. They want me to fill out a fraud packet that would be providing them with all my information ( social security, drivers license number, addresses ) without them having sent me proof of the account. They also said I only had ten days to return the packet to them after I received it. I spoke with someone at the FTC and he said that there should not be a time limit especially since they have n't provided me any information. Recently the debt owner on my XXXX credit report changed to Credit Control LLC even though the account is being disputed. Credit Control 's phone number is ( XXXX ) XXXX but the same address as XXXX XXXX. There are many concerning factors, so I do not trust sending all my personal information to them since neither I nor XXXX have any information on the account. They need to take this off of my credit report as it is a result of identity theft and they do n't have any proof and/or are unwilling to send me proof of the account. They also need to take it off because I was underage.
In early XXXX, XXXX, I attempted to upgrade my Citi Rewards Card to XXXX which offered a better reward. I have had my current CitiCard for twelve ( 12 ) years and have always paid it in full and on time. My credit limit was raised in XXXX - I thought I was considered a good customer. To my surprise my application was rejected. I called CitiCard and ask why I was rejected. I was told the reason was that XXXX ( Credit Reporting ) was reporting that I had no credit or credit score. This, of course, is obviously incorrect since I have been a CitiCard holder since XXXX. XXXX does not show my CitiCard on my Credit Report. There is an obvious breakdown in communication between CitiCards and XXXX. I think it is also absurd for CitiCards to report to XXXX credit history of one of their ( CitiCards ) customers, then ask XXXX to provide the same information back to them ( CitiCards ) before they will issue a credit card. CitiCards should already have the necessary information on a current customer of theirs. 
Attempting to contact XXXX and speak to a live person who is willing to help correct inaccuracies is very, very difficult - in my case, impossible. I have filed a separate complaint against them. As for CitiCards, I have made numerous calls and spoken to numerous representatives. None of them to date have corrected this problem. 
This is more than an irritation. This affects what I pay for home, auto, etc., insurance. In my case I can show financial damages.
On Friday XXXX XXXX XXXX I deposited a XXXX check from XXXX XXXX in XXXX XXXX FL. The check was drawn on XXXX Bank which is also local. When the deposit was made through the drive through I was informed there would be a hold. I received an Notice of Hold for Savings Which will be attached. On said hold there is no explanation or reason for hold. After having deposited large sums before I felt something was wrong in regards to the full amount being held for XXXX days and to be made available on the fifth day. At no point was it mentioned why a hold was placed, I was instructed if I needed the funds available prior to the XXXX I needed to speak with the branch manager. On Monday on XXXX of XXXX I arrived at opening at the branch I went in to speak with branch manager and was informed XXXX XXXX was not available. I spoke with the XXXX whom I can not remember her name. At that point she attempted to tell me that the hold was placed due to the amount of the check and the fact I " only '' had XXXX dollars in my account. Just to preface these are not new accounts, I have had this account since XXXX and I have not had overdrafts. I requested in writing the reason for hold, and she told me that she was not able to provide that to me. I informed her that it was required for the financial institution to provide me with a explanation of hold ( whether or not it was because of amount of deposit, or an Exception hold ). She still insisted that the only document they were required to provide was the " notice of hold '' I already had. I left and called XXXX Banking and spoke with a XXXX XXXX over the phone and she did confirm that an explanation was warranted. According to XXXX XXXX she spoke with the branch and the head teller XXXX XXXX would have on written explanation available for me to pick up at the branch. I told XXXX XXXX I would be at the branch at noon. When I showed up at the branch I spoke with the same FSS and she said that XXXX XXXX could not provide me with that document since she was in the Drive through. I explained that I was promised the document and then was told to go to the drive through to get said document. after going through drive through I still did not receive an written explanation of hold. Lastly, according to Expedited Funds Availability Act Section XXXX XXXX b ) if the hold is place due to the size of the funds the first XXXX is to be treated as an general deposit, and the rest can be held up to 8 business days depending on the locality of the bank the funds where coming from. XXXX XXXX said that only applies to Cashiers Checks which is False. Also, if there is an Exemption Hold then the reason must be provided to the consumer in writing as well. I still have a hold for XXXX until the XXXX with no written explanation provided, and the verbal explanation of my account having only XXXX dollars still is not justifiable according to the Reg CC/ Expedited Funds Availability Act. Just as further explanation my online banking says the hold is till the XXXX however I was explained adamantly the date was going to be the XXXX.
American Express has inexplicably frozen my rewards account which is over 5 years old. Due to me not being able to redeem my points I am unable to purchase flights that are on hold with their transfer partner, XXXX. Furthermore, they stated they will take XXXX8 weeks to review the account which will not be complete until after their 40 percent transfer bonus expires. I will now have to purchase the flights I had on hold for {$6000.00} since they will not let me use MY points. No points bonus has been applied to my account.
I have 2 Inquiries From XXXX XXXX I never Authorized as well as XXXX  File Number : XXXX Report Date : XX/XX/XXXX Disputed Inquiries are XXXX XXXX XXXX XXXX XXXX Requested On :XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX
I received a phone call from an unknown number. The caller stated that I need to call back to the Florida Attorney Gereral office at XXXX XXXX XXXX - attorney general state of florida. They threatened me stating that if I do n't call back within XXXX minutes, I will be arrested and thrown in jail for 6 months.
Greetings, I have initiated a multiple disputes with EXPERIAN over the past couple months to remove unauthorized personal information, addresses and employer info that they have failed to fully validated belongs to me. It has been well over the 30 days given for EXPERIAN to respond with validated proof to delete these unknown personal information per the Fair Credit Reporting Act. I have provided all requested documents to EXPERIAN including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. Below are the reporting unauthorized/unknown personal information, addresses and employer info that should be Removed / Deleted from my EXPERIAN credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Address : XXXX XXXX XXXX, XXXX, NY XXXX
My wife and I bought a house in XXXX and did some remodeling, etc. In XXXX when we refinanced our construction loan into a XXXX year fixed mortgage, the rate for our nonconforming loan was 6.25 % with Bank of America. The recession then wiped out a substantial portion of the value of our home - which we have not yet recovered. 

Since then, I have had several setbacks. In XXXX, I lost my job and in XXXX, my wife passed away. 

Since XXXX, I have repeatedly tried to refinance at a lower interest and can not, despite the fact that BofA already own the liability on the home through my current mortgage. I have been given many different reasons that we cant refinance, including ; " there is no tarp loan modification program that fits for jumbo loans, even though there is XXXX for everyone else '', '' your house does n't appraise high enough to meet the 80 % threshold '', '' you do n't have sufficient income history '', and " you need XXXX years income history for your own business. " I have been paying interest at substantially more than the market rate for more than XXXX years and feel victimized by the bank. 

I have never missed a payment, but it 's becoming more difficult with kids in college, with a lower income, and without my wife 's help. I simply want to refinance at a rate that makes sense in today 's environment, a rate that is fair considering the XXXX of people who have been able to refinance since the recession. I have done my part and now I need some help.
I got an offer in the mail from Freedom Mortgage at Freedom Mortgage XXXX Ohio XXXX I applied for an adjustable rate mortgage on my home they sold me on this .Here is the problem they sent a closer to my home to close the loan and he saw that my daughter was living in my home with me and he suggested I put her on the title as she was not on it, Time passed and I needed to refinance and so I began to seek a new loan and they denied me the loans based on my daughter having judgments against her and now she is on the title I live on a fixed income and can not afford the loan now soon the rates will adjust and go up. I blame the person who they sent to close the loan for advising me to put my daughter on the loan. My health is not good and I only make so much money and would have qualified for a reverse mortgage except for this issue and in addition I can not get through to any one at Freedom Mortgage so I hoped to contact you and you can contact them to see how this can be resolved. thank you XXXX