WillisBack/dataset-financial-user-claim huggingface dataset:
I recently was wage garnished for the second time. The XXXX County representative never served me any documentation regarding any outstanding debt. I spoke to someone in the court and they confirmed they sent 3 letters out and all were returned because they were not delivered. I am not a wage earner, I do not work, I have no income and the wages garnished were from my husband 's work. The creditor nor their attorney ever contact me nor did the courts, so how can I even attempt to settle the debt without due notice. The court clerks say the judgement was filed in XX/XX/XXXX, it 's XX/XX/XXXX and they start randomly taking money out without any notice. XXXX XXXX also failed at advising us of any illegal funds being withdrawn or levied per the law. My husband is now past due on student loans, credit card payments and car insurance. All because of this lack of communication. Pressler and Pressler never sent any documentation either. Debtors and attorneys can not take money out of accounts without due notice. We received several calls as well XXXX asking for XXXX regarding a debt and it 's a machine that immediately hangs up.this same tactic is performed at XXXX at night via dialing loops. We do n't know what the debt is, who the creditor is, no details, just ask for XXXX and hang up. I want Pressler and Pressler held accountable for my husband 's late payments, should his excellent credit take a hit, I want them accountable for it. This is corporate debt at its finest, unfair collection procedures, illegal seizures, illegal seizures without right to dispute, and seizure on income that is not even my own. Please help me and please ensure these types of issues do n't affect other innocent people out there. 

Thank you
USAA Federal Savings Bank fails to mail home equity loan bills in a timely manner, leaving customers with insufficient time to make payment. As printed, the bills provide 25 days before they are past due but the company consistently waits 6 days before postmarking the bills so consumers have just 25 days - 6 days delay - 3 days mailing time = 16 days from receipt of bill to have payment processed by USAA. Then the company shortens the time even farther, because unlike the rest of the USAA organization, USAA Federal Savings Bank refuses to join the online bill pay systems that most customers use today, so any customer who pays via mobile or online banking faces an additional 8 day wait for payments to clear ( instead of the 1 day wait customers expect ), leaving consumers with just 8 days to pay their bill ( or 13 days for consumers who physically mail checks ). I have spoken with multiple representatives of the company about this issue without success and am filing this complaint because those representatives have made it clear they have no internal complaints handling process through which customers can pursue resolution to problems like this without going through external channels like the Consumer Financial Protection Bureau.
XXXX/XXXX XXXX is reporting a claim on my credit report which is showing as a derogatory charge-off with {$0.00} balance- the debt has been paid in full and they continue to report it derogatory. 
I sent a certified letter to the company that was delivered on XX/XX/XXXX as formal notice the claim is disputed. 

First off, I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. In which I requested the " validation '' ; to be competent evidence bearing my signature, showing that I have ( or ever had ) some contractual agreement with the company ( which is my legal right as a consumer ). 

I also made the company aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if they can not validate the account, then they must request that all credit reporting agencies delete the entry. 

I included a second letter in the same certified envelope that was delivered XX/XX/XXXX-to advise the company that this was not a refusal to pay, but a notice that the claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the account they are reporting to the bureaus. And requested proof that I am indeed the party responsible for the derogatory account that they are reporting on, and that there is some contractual obligation that is binding on me to this account. 

In addition, I made clear that the letter is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

As of today, the account and derogatory marks are still being reported to the bureaus and no validation of the account being mine has been provided, sent, or followed up on. 

I have attached to this complaint the 2 certified letters I sent to the company, copy of the delivery confirmation receipt, information/account status being reported by the company to XXXX, XXXX & XXXX as of XX/XX/XXXX.
I have made a payment to CITI Advantage on my husband credit card via the XXXX XXXX Online payment system. The {$2000.00} was to be delivered to CITI on XX/XX/2018. I was told that CITI can not find the payment. After numerous phone calls including two conference calls initiated by XXXX XXXX to CITI and myself but no results. I was to get a conditional credit on the account until the issue was resolved but that did not happened. The answer is always call back in a week. Today I was told to check the XX/XX/2018 statement. I am getting the run-around with this issue. They do not hesitate to charge interest and late fees since that is in their program but the consumer has not options.
Several years back, I took out a student loans with XXXX College. I stopped attending and during the past couple years I have not been able to make payments on my loan due to financial hardships. I am currently living with my parents and have lost my job. I had a baby on the way which caused me to become so far behind on my bills and miss many payments. All of these missed payments caused my credit score to be severely effected. It has been hard for me to get a place for my family with a low credit score. I'm planning to get a new job with XXXX and get back on my feet. 
I want to remove any marks effecting my credit score during the non-forbearance periods and be able to get a deferment on my student loan for 6 months as I rebuild my fiances. I can afford to start paying {$50.00} per month after the 6 month period.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 Days Late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I get multiple calls before my due date. If I happen to mention a day that I will pay, I will get calls every day after that day if I do not make it in until I come in. Very unprofessional and down right annoying. The loan is for less than {$600.00}. The payments are {$90.00} a month. Its ridiculous. No auto pay option thru the company.
My name is XXXX I am a victim of ID Theft AGAIN, I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report which are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as this date that you used to verify the accuracy of the accounts listed below. Under the FCRA, 15 U.S.C U.S.C section 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit file. Please do not respond to my request by saying that those accounts are verified. If you do not have documentation for those accounts are verified # XXXX, # XXXX, XXXX, XXXX, XXXX, XXXX, please delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
I had applied for a Citi bank secured credit in doing so to try to and rebuild my credit! Citi bank had denied me. Then approximately three days later I get an email saying my application was under review ... ... so a week passes fast foward to today XXXX XXXX, 2017 I check my XXXX XXXX XXXX checking account and I see Citi bank took out {$300.00} for a deposit for the secured card! With no notification no call no email saying that they were going to be doing so the money was withdrawn!! I called customer service and they told me that my applicatioin is still pending?? But yet You first told me it was denied I completely understand if it was denied no problem ... they continued to take the deposit of amount of {$300.00} from me though even though now supposedly the application is being overviewed! I advise the lady I spoke to cancel my application because I had moved on from this secured card last week! I just want a full refund for my {$300.00} which has now put me in the negatives in my checking account because I had no idea it was coming out! Customer service told me it could take anywhere from 2-3weeka for me to get my refund because it has to go through a cancellation request? That 's unacceptable and unfair!
I filed a previous complaint with CFPB against Discover, complaint # XXXX. 
Discover only addressed part of the complaint on XXXX/XXXX/XXXX and completely ignored the financial compensation request as a result of their admitted negligence, for allowing an invalid fraudulent balance to remain on my account and charge off for years, since XXXX XXXX, XXXX. 
I requested financial compensation totaling {$26000.00} : I lost {$2500.00} as a result of a reduced credit score and loss of lease agreement with XXXX. This forced to use my old vehicle XXXX XXXX XXXX XXXX XXXX as a trade in for a lease on new vehicle instead of selling it privately for {$2500.00} more than the dealer gave me. The reduced credit score caused the dealer to have to re work a deal and i lost the private sale. 
In addition, shortly prior to that, i refinanced my home and this charge off caused my new loan to be increased by at leased {$50.00} a month for 40 years = {$24000.00}
I received a debt collection notice from American Medical Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Their bill clearly states that I was never sent a bill by the original company XXXX XXXX XXXX and that the charges were not included in any bills I received from my Doctor Or Hospital. <P/>In addition states falsely that I have not responded to them. That is not true. I did in fact call them as requested. <P/>The amount is {$85.00} I do n't believe I owe them this or anything else. This is also approximately two times that the amount they sent me originally and I called to protest that I received no bill from the original company. <P/>It all went through XXXX XXXX XXXX XXXX XXXX and I along with a rep from XXXX XXXX XXXX talked them on the phone and told them they were using the " wrong billing code ''. I have a mediation request # XXXX with The Texas Department of Insurance. So far they have not really responded with useful information. <P/>They threatened [ If we do not receive your payment, our client has authorized us to continue our collection efforts that can include the reporting of your unpaid account to XXXX or more national credit bureaus. We urge you to take care of this matter. You may call us at the telephone number above if you have any questions. Otherwise please mail your payment with the bottom portion of this letter. ] I believer this is a scam and totally illegitimate. <P/>States " Credit at risk '' all over it. <P/>There is no way this is legitimate.
Equifax continues to report obvious erroneous information on my credit report after XXXX investigations on the issue and one CFPB complaint.So XXXX account XXXX reported yesterday at conclusion of investigation # XXXX a dofd of XXXX and on the same item, report a 120 day late on XXXX in the account history.Also reported on this monthly bill is a last payment of XXXX which would correspond to a dofd of XXXX. 
Equifax has repeatedly reported obvious errors '' on the face of the record '' with regard to this creditor who " re-ages the account '' which denotes strict liability for this illegal practice according to FCRA FOR BOTH EQUIFAX AND THE CREDITOR.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX violated 809. Validation of debts ( a ) Notice of debt ; contents, 806. Harassment or abuse, and 807 and False or misleading representations. hat Hunt & Henriques did not act in good faith. Hunt & Henriques refuses to validate debt payments, that I have made on a monthly basis, by sending me a monthly statements of debt reduction and verification.I have not received any notification, validation of the current debt or proof of payment sent them to me from XXXX XXXX. 
I have written two letters requesting that Hunt & Henriques provide me an account on what has been paid. This debt collector is collecting a debt on the behalf of XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX. used another debt collector vendor by the name of Legal Recovery Offices located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX in which went out of business as I was still making payments to them. XXXX XXXX XXXX only reduced this account by ( 3 ) payments giving me a credit, which they owe me an attentional Credit of ( 3 ) payments. I also spoke to XXXX XXXX ( Attorney and owner ) of Hunt & Henriques, informing him that I needed a monthly debt validation every month that I paid. This company has not sent me anything. I have contacted XXXX XXXX ( Attorney Owner ) by email, letter and phone calls.
GC Services was contacting my cell phone using an automated dialer platform. I have recieved numerous calls from them over the span of a few months. I am looking to file a lawsuit against them for TCPA violations unless they are able to rectify this issue directly. I give them permission to reach out to me via my cell phone or via email if they would like to resolve this matter without further escalation. My cell phone number is XXXX and my email is XXXX.
My name is XXXX XXXX and I am desperately trying to seek some assistance from Wells Fargo about a personal business matter. I have been a student loan customer of Wells Fargo Bank since XXXX of XXXX. I have taken out a total of XXXX separate private educational loans, with XXXX of them being paid in full with no late payments. They are as follows : Acct # XXXX - {$2500.00} - Paid in Full - Perfect Payment History. 
Acct # XXXX - {$3500.00} - Paid in Full - Perfect Payment History. 
Acct # XXXX - {$3400.00} - Paid in Full - Perfect Payment History. 
Now to the last XXXX private educational loans that I have from Wells Fargo. The following XXXX loans are in Charge-Off status with Wells Fargo : Acct # XXXX - {$3400.00} - Charged-Off - {$1300.00} left to payoff - XXXX straight on time payments when I started paying off this loan. 
Acct # XXXX - {$5700.00} - Charged-Off - {$2200.00} left to payoff - XXXX straight on time payments when I started paying off this loan. 
I lost my job in XXXX of XXXX. When I lost my job, I still made my payments to all of my loans on time and complete until the company I was working for transferred me from XXXX XXXX, XXXX to XXXX, XXXX in XXXX of XXXX. At this time, my co-signer/co-borrower took over my payments for me ( XXXX XXXX, my grandmother ). She did this for me until I found them to be charged off. My phone number, address, or email were never the same as my co-signer/co-borrower. I never received a single notice for a 30 day late, 60 day late, or a 90 day late on these loans. I also never received any notice directly to myself of any charge-offs until both loans were charged off and outsourced to a collection agency ( who then transfered them back to Wells Fargo ). After they were transfered back to Wells Fargo, I done everything in my power to pay them off in full as fast as I could.
XXXX XXXX, XXXX I requested validation from FCO regarding collection account reported on my credit report dated XXXX/XXXX/XXXX. 

They provided proof on XXXX/XXXX/XXXX ; however the " Statement of Security Deposit Accounts '' document dated XXXX/XXXX/XXXX does not provide dates of amounts in " Balances Due '' section. There is a " New Charges '' section reflecting {$1300.00}, with no itemization of these charges. Additionally, there is a {$750.00} " Damages '' charge ; however a Damage Assessment was not provided.
I applied American Express SPG credit card at XX/XX/XXXX. The promotion offer is XXXX Starpoints after {$3000.00} or more purchases within the first 3 months, and additional XXXX Starpoints after additional {$2000.00} or more purchases within the first 6 months. On XX/XX/XXXX, the customer service of American Express had confirmed that I have met the spend of {$3000.00} and should receive the XXXX Starpoints on the statement of XX/XX/XXXX. But I still have n't received the XXXX Starpoints even on the statement of XX/XX/XXXX. Attachments include : ( 1 ) The American Express SPG credit card was approved at XX/XX/XXXX. ( 2 ) Confirmation of meeting spending requirement form AmEx Customer Service. ( 3 ) Statements from XX/XX/XXXX to XX/XX/XXXX showing that I spent more than {$3000.00}.
MY name is XXXX XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company Equifax put 3 negative negative inquiry in my credit report like you see bellow i contacted Equifax and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal here is my Confirmation # XXXX with Equifax Equifax Credit Report for XXXX XXXX XXXX Name of Company Date of Inquiry XXXX XXXX XXXX : :XXXX XXXX Show Details XX/XX/XXXX XXXX : XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX  : XXXX XXXX Show Details XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit. 



AND THE SAME HERE WITH XXXX MY name is XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company XXXX put 2 negative negative inquiry in my credit report like you see bellow i contacted XXXX  and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit.
I have several inquiries on my account that I do not recognize. I got an email yesterday stating there was a hard inquiry to my account from XXXX XXXX XXXX done for a credit limit increase. As a consumer it is already difficult reading through fine print and credit jargon that comes with credit. XXXX XXXX XXXX makes it difficult to identify if credit limit increases will result in a hard inquiry or not. XXXX XXXX XXXX is known to display promotional banners on their website for eligible credit limit increases to credit worthy candidates that abruptly appear. When I applied for a credit limit increase I thought that was the case, and they pulled my credit history without my knowledge. They need to provide more emphasis whether or not their products will need a hard or soft inquiry. More transparency is needed. The not so knowledgeable credit seekers are the real victims here to at times misleading credit card issuers. I read there was an inquiry issue with Transunion during that year, XXXX, it may or not be related. The XXXX breach was what made me check my credit history. I have found these inquires that I dont remember applying for. 

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXXXXXX XXXX : XXXX XXXX NA XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, NXXXX A I have tried calling but I do not have the power to influence them. In this day and age of hackers, auto logins for websites, scams, identity theft, and even family identity theft the public is at the mercy to these 3 giant credit bureaus.
I had been trying to do a short sale with Wells Fargo for way over a year. I tried one time and they took months to process, this lead the buyer, who had a cash, to pull out after 8 months of trying to close. ALL the documents requested from Wells Fargo were submitted, at times 3 and  4 times. I tried the short sale process again in XXXX. I also had a buyer with a cash off for {$210000.00} ( investor wanted {$210000.00}, but buyer went over and above the asking price to get this deal close ). Cash offer had been on the table since early XX/XX/XXXX, all documents were submitted by my attorney to Wells Fargo. In XXXX, my attorney received notice from Wells Fargo that the loan does not meet the investor 's requirements ( HUD.. my FHA Case # is XXXX ). that they were not entertaining anything but a sheriff sale. I inquired with Wells Fargo for the reasons and they stated that there was no offer on the table and that the short sale process was too close to the sheriff sale date ( which was XX/XX/XXXX ). 
I had questioned the person on the telephone at Wells Fargo as to why the issue of the offer, we have had a cash offer since early XXXX. I inquired if they did not pass this info to the investor and this person say, " whatever you gave us, we gave to them '', but still, the question is why did HUD NOT know of the cash offer for {$210000.00} since early XXXX?? 
The apartment went to be sold at the sheriff sale for {$180000.00}. My concern is the larger deficiency as a result of Wells Fargo NOT doing their work. I will likely be hit with a XXXX for about {$35000.00} and/or be sued for that large deficiency. The {$210000.00} would have covered any deficiency. I would like an investigation to see if Wells Fargo gave the investor the information regarding the cash offer for {$210000.00}. My attorney was extremely upset as he worked so hard on this case and stated that this was the only Short Sale he was not able to complete in many years of doing short sales. Why would someone choose {$180000.00} over {$210000.00} cash? Makes no sense.