WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from XXXX Bank on XXXX/XXXX/XXXX and found out the bank has placed hold on my checking account for {$2600.00} effective XXXX/XXXX/XXXX, because the bank received a garnishment order from a court. So, I went to the district court and obtained a copy of the documents pertaining to the garnishment order. It shows that a debt collector had filed a civil lawsuit against me to collect {$2000.00} in XXXX XXXX. But I have absolutely no idea about the debt. I do believe strongly that there were mistakes on their part and it was not my debt they are trying to collect. The court document did not have any detailed information about the debt. The debt collector 's name is First Resolution Investment Corporation, XXXX, OH, which appeares as plaintiff on Garnishment Disclosure. I hired an experienced local attorney on XXXX/XXXX/XXXX. He had to make a several phone calls until he could locate the attorney representing the debt collector. My attorney found out the debt was originally from a credit card issued by XXXX in XXXX or XXXX. But I never had a credit card from XXXX until XXXX. I have had a XXXX credit card from XXXX Bank since XXXX and I rarely missed a monthly payment the last 15 years. A copy of the court document showed the court had issued a summons on XXXX/XXXX/XXXX. But I never received it in mail or in person or by any other methods. So, I was n't aware that someone had filed a civil lawsuit against me for collecting debt. The court entered a default judgment on XXXX/XXXX/XXXX because I did not appear in the court to dispute the allegation. But I could not respond because I had never received a summons and I did not know about the lawsuit at all. 

It was XXXX/XXXX/XXXX that I found out a debt collector has been trying to collect debt from me when I received a letter from XXXX Bank regarding the garnishment of {$2600.00} on my checking account. 

My attorney has tried to obtain from the debt collector any evidence that would show my name and address and details of the debt, such as a copy of the original credit card statements, but they have not been able to produce such evidence. 

I lost my wallet in XXXX and there was my social security information in the wallet. I suspect that someone had opened a credit card account in my name with XXXX and used the card without paying it. 

I would be very grateful if you could force the debt Collector, First Resolution Investment Corporation, XXXX, OH to stop from harassing innocent people. Please also ask them to provide me with evidence such as copies of the original credit card statements and other document so I can review it. It is so unjust, so unfair to garnish more than 10 % of my family 's annual income without their having any detailed information about the debt. 

I have been able to hire an attorney and pay him for a few hours of his work, but my wife and I do not earn sufficient income to pay him to fight such a frivolous and unjust lawsuit in court. Our XXXX Income Tax Returns indicates a gross annual income of about {$20000.00} to {$28000.00} for the last 12 years for a family of XXXX. 

Sincerely,
My mortgage servicer, Ditech, has mailed me XXXX requests for proof of insurance on my home. I have provided this information both to the prior servicers of my mortgage and more recently to Ditech via USPS mail. ( Curiously, Ditech only accepts proof of insurance via fax or USPS, not via email or through their website. ) Ditech 's letter states that they will procure an insurance policy for my home if I do not provide proof of insurance, and that this policy will cost me roughly $ XXXX/year. I have provided them with proof of insurance, and they surely should have received the same from the prior servicer when my mortgage was transferred. This seems transparently careless at best, and intentionally difficult at worst.
There are two components to the bank fraud that I discovered this morning. 
1 ) Wells Fargo changed my corporate bank account number without advising me. 
2 ) A customer attempted to send me an electronic payment last Friday via ACH. I never received the payment. After contacting Wells Fargo, they explained that my bank account changed. I then attempted to determine when this changed by looking at the previous bank statements. When I pulled my XXXX XX/XX/2015 bank statement from their online banking system the statement reflected the NEW account number. I then pulled a copy of my XXXX XX/XX/2015 statement from my local drive which I had downloaded back in XXXX. The XXXX statements ARE DIFFERENT. Meaning, that the Wells Fargo Online Banking system is displaying incorrect banking information to their consumers ( i.e. fraud ). It is not clear because no one has investigated this whether this is the result of fraud, weak internal controls in their IT process or some other reason. No consumer should assume that the information they are receiving from Wells Fargo is credible or accurate.
After several years of contracting state liability insurance from an independant agent for XXXX XXXX insurance I decided to change companies as the new one gave me a better rate. I notified the Agent `s office and told them I was cancelling and going with another company thus my prepaid amount they had just deducted from my bank account via debit card should be refunded. Once before I`d done this but saw they started taking money from my account without my authorization. When I tried contacting the agent his phone was unanswered. I contacted the XXXX number for XXXX XXXX to inquire as to how this could be happening. XXXX XXXX said they had no such agent listed .... so I changed my debit card again and wanted to know the name of my new agent. I was told they couldn`t tell me his name ... Why I ask ... well we don`t know who will be assigned yet ... If I have any claims I can call the XXXX number ... ok ... never heard of an Insurance company not knowing who the alternate agent would be before? XX/XX/2015 this started all over again ... I contacted my banks credit card division and explained this once again, credit was issued on trial basis to lend time to check it out. I recieved two subsequent letters. the first acknowledging my case and later a remittance only giving partial credit for some of the monies deducted? when I called again I was again recorded and gave a similar deposition but I wanted an explanation as to why only the " last 60 days of their fraud was being acknowledged? Once I used these terms .... fraud I immediately " threatened with - if I continue with this terminology the`ll turn this over to their legal dept! ... XXXX ... I THOUGHT THAT`S WHO I WAS TALKING TO! Next I was 20 questioned as to my past " Moral Turpitude " Where had I lived out of all these addresses for 30 years ... was I the same person as having this account ... so on and so forth .... Answering all their questions was demoralizing to say the least as now I was felling like I`d been the one getting something that did not belong to me. XXXX ... Is it just me or did i get scammed again including by the bank .... I think absolutely so.
All of the information related to a XXXX XXXX in XXXX XXXX, CA is not mine ( not me ) I 've never lived in California
Someone I do n't know was able to get my checking account number and opened a XXXX account with it, charging over {$1000.00}. Once I noticed the charges ( within 60 days of receiving my bank statement ), I filed claims with my bank and XXXX, made a police report, and contacted the Federal Trade Commission. My bank would only give me back a portion of the money and refuses to reimburse me the remaining {$570.00}.
Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$990.00} from : XXXX XXXX, which was opened on : XXXX XXXX, 2012. 
I am again disputing that I do not owe this debt and at that time, I submitted proper information to XXXX and Equifax to reflect that I had a stolen identity. 
The CRA ( Equifax ) continues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me. 
Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report. 
This matter will again, be sent to the location AG 's office, where both companies reside and conduct business for resolution. 

Thank you, XXXX XXXX
CBC InnovisRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from XXXX credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files.
I need assistance in obtaining a HAMP modification through my bank Wellsfargo. I am currently 30days behind in my mortgage. I reached out Wellsfargo and requested a loan modification back in XX/XX/XXXX. They stated I was denied for the loan modification due to my income. When I purchased my home back in XXXX I was working for a facility called XXXX in NJ. I was making XXXX per hr. The facility I work for was bought out by XXXX due to the buy out they laid off all the XXXX employees. I was laid off for 1 yr. I was not able to find work so I went back to XXXX XXXX and they rehired me at XXXX per hr. Recently I received a raise to XXXX per hr. I did receive assistance thorugh a state program XXXX. They paid my mortgage for 2 yrs. As of XXXX I took over the payments of my mortgage and been struggling to pay the current monthly payment of XXXX. I reached out to Wellsfargo for a loan modification and sent in all my information and received a denial. I understand that there is a program out there call HAMP that I would like to be considered for and I do not believe that Wellsfargo ever placed me into. I need your assistance in getting Wellsfargo to assist me in obtaining a loan modification under the HAMP assistance program. I am only 30 days benind in my mortgage payments and Wellsfargo has thrented me with forclosure proceedings if I do not become current in my mortgage.
I received a Notice of Writ on Garnishment & a Continuing Writ of Garnishment Against Salary or Wages. The final judgment against me was obtained on XXXX XXXX, 2004. I am in Florida and the Statute of Limitations is 7 years. To protect myself I am filing a Head of Household Claim of Exemption & Request for Hearing in XXXX XXXX Court today. I have done research on the Plaintiff, Asset Acceptance and have found many complaints and class action lawsuits against them for illegal and unethical practices. I am very concerned about this as I am supporting a XXXX child on less than {$500.00} a week net and my employer has begun withholding 25 % of my net pay until the hearing is held and my exemption is ruled on. This company at one time froze a bank account that received direct deposit for child support and my minor child 's XXXX, while I was unemployed and a student, which is illegal!!!
Healthcare Receivables Group is consistently harassing me. The company has called from different area codes repeatedly every day for months, even after I have asked them to cease calls. They also send mail even after relocation to a different address that I do not provide to them. I have disputed against the company on numerous occasions and there has been no resolution. Upon further investigation, the state of North Carolina requires collection agencies to be licensed and active within their state. Healthcare Receivables Group is currently SUSPENDED with North Carolina 's Secretary State and should therefore be removed from all credit bureau agencies immediately due to a non active status.
I tried to apply for refinancing of my car in XXXX and I was rejected. They told me the main reason I was rejected was because of " Derogatory public record or collection file '' and " Length of time since derogatory public record or collection is too short ''. The person helping me told me it was a court from XXXX 2016 and it looked like I had lost a settlement. I knew I had nothing of the sort because I had n't been in court for anything like that ever.They got this information from Equifax Credit Report. When I requested my annual report from them, I saw in the " Public Records '' the judgment. It clearly states a different name than mine, and I have no affiliation whatsoever to this case except that it was my father 's who does not have the same name as myself. It is CLEARLY a completely different person. I was in no way, shape or form involved in this case. I am completely independent from my parents and there is NO REASON for them to attach this issue to me. I can not stand for this incompetence affecting me in my financial AND personal life. This needs to be removed IMMEDIATELY.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by CBNA/Best Buy of a fraudulent application submitted with his information without his consent XX/XX/2018 that resulted in a fraudulent related inquiry into his XXXX  credit report. A formal dispute of the inquiry was mailed XX/XX/2018 and Best Buy has confirmed the dispute was received however Best Buy has now exceeded the 45 business days allowed for investigation as outlined under the FCRA. This action is a violation of federal consumer law and my clients rights.
This complaint is part of an ongoing issue with Navient in which my loans have been significantly mismanaged, resulting in improper loan amounts being displayed on their website with additional, fabricated interest amounts appearing, etc. Please see my prior complaint for more details. 

Most recently, Navient escalated my case to the " Office of the Customer Advocate, '' where I spoke with " XXXX '' at XXXX, extension XXXX. Although I signed up for automatic payments approximately four months ago, the amount has not once been debited from my account. Instead, my student loan payments appear as " late '' on the Navient website each month unless I pay manually. I resubmitted my application for automatic payments and, according to the website, it is complete, but my loans are still not being debited from my account. The first time this happened, I called XXXX back and spoke with him about the issue, and he said he was submitting a manual payment to take care of a loan amount that was several weeks late. He never submitted the payment. I tried to call him back again, and he ceased answering his phone or returning my calls, despite my leaving several messages and speaking to a " supervisor. '' I remain required to make manual payments every month despite the Navient website claiming my payments will be made automatically. 

In the screenshots I 've attached, please note that the payments are pending only because I submitted them manually prior to taking the screenshot.
I was receiving harrassing recorded voicemails on our business line ( where we have other employees answering and checking messages daily, but not any on my personal cell that I recall. On XX/XX/18 was the last day to date I received a normal voicemail on my cellphone ( XXXX XXXX is carrier ). I received a few missed calls from my sales accounts but no voicemail was left. Only when an account/friend of mine texted me alerting me that my voicemail was rerouting/forwarding to a collection agency in North Carolina. I called my cellphone number from our office line and expected it to go to my outgoing vm message for work, but instead it also went to this company : XXXX XXXX XXXX I spoke with the customer service person who answered and asked why my personal cell number without any authorization from me to do so, was forwarding to their business? He asked " Is this XXXX XXXX? '' which alarmed me since I called from our business number but did answer " yes this is she ''. He then asked if my social was : XXXX which it was, but I was very alarmed he had my personal info so I said that was incorrect and how did they acquire any personal info from me and what was this regarding. He noted an amount of a debt ( but could not disclose the creditor ) of around {$750.00} but they were willing to settle for {$500.00}. I felt this was a scam or identity theft/fraud so I took down their contact info and I asked him to let me speak to a manager but he hung up on me. 
Made several attempts to speak with someone and find out how/why they had my voicemail routing ( which was affecting my business as a salesperson who relies on accounts to call and leave orders on voicemail. 

I filed an online complaint with the FBI and the FTC. I then changed my phone number with XXXX XXXX online, after updating and order new businesscards with new number, sending out updated info to all of my friends, family and colleagues. My new number has now also been hacked and now my voicemail message is now routing to this same debt collection business. 

I want to know how to pursue legal action against this company for id theft, fraud, and any other criminal activity a legal pursuit may turn up.
Upon reviewing my recent credit report, I noticed that I had several collection accounts outstanding with Navy Federal Credit Union. I 've contacted NFCU on 2 separate occasions trying to verify the accuracy of the information provided by them on my consumer credit reports as being owed by me. I have not received any response to my goodwill letters and no action has ben taken to resolve the issues. The first goodwill letter was sent out and received by NFCU on XX/XX/XXXX the second was sent out and received XX/XX/XXXX. Please see attached for account numbers and balances
My wife and I are attempting to go through a Short Sale w ith Select Portfolio Servicing , In  c.  and  XXXX   XXXX   XXXX  ,  XXXX  since  XXXX  of   XXXX  . We are being represented  by   XXXX   XXXX   XXXX  to help us navigate this process. Unfortunatel y, SPS , Inc. has b een extremely difficult to work with and we fear that our mortgage companies have reached an impasse concerning compensation towards  XXXX . We are trying our hardest to comply, but we are now desperate for outside assistance to look into our situation. Since  XXXX , SPS has repeatedly denied our application for a Short Sale by stating that various fees either need to be added or removed from t he HUD-1 disclosure, and they have also stated that the asking price for the home is too low, even though multiple BPOs hav e come back with the exact value that was listed.      We have repeatedly shown good faith and patience by trying to adhere to SPSs requests, but to no avail. They consistently come back with a different request nearly every 1-2 weeks. The latest request was to reduce the amount that the second mortgage (  XXXX  ) would receive. In the HUD-1 it listed that   XXXX   would receive {$12000.00} in compensation for the short sale. This has been in the paperwork since the beginning and SLS has agreed to all versions of the Short Sale application submitted until the   most recent on approximately  XXXX  when SPS required that the amount be reduced from {$12000.00} to {$6000.00}. We find this and other requests to be unreasonable because we feel that SPS should have notified us of all issues with the application for assistance all at one time rather than repeatedly  requesting the terms of the HUD-1 be c hanged for differing reasons at every turn.     Due to the reasons listed above, we believe that SPS is purposely trying to find reasons to deny the Short Sale, thus they are not following the governments guidelines for lenders to provide foreclosure alternatives to homeowners. Please help us to rectify this situation so that both mortgage companies can come to a viable solution that will allow us to sell the home.
These people are not licensed to conduct usury interest rate business in the state of Ca. XXXX charge a Interest rate of over 800 % XXXX These people have taken advantage of my age XXXX, thinking that I would pay, this usury interest rate of 800 % or more, from my social security check. I can not pay that.
I have student loan debt that is over {$110000.00}. My loans were transferred from XXXX to navient. I received a bill saying my payment was {$890.00} which I could n't afford. They said I could go into forbearance for 36 months if I could n't pay it. I thought it was my only option. I think at the time my loans were {$87000.00}. It grew exponentially. I had no idea there were income based repayment plans. They did n't mention that At all. Now I am drowning in debt and afraid I wo n't be about to take care of my family. In my opinion it was predatory lending practices. Also the XXXX program I attended offered false hope for gainful employment and the program has since been eliminated from XXXX programs. I was taken advantage of by the university and student loan programs
In XX/XX/XXXX, I was approved for a vehicle ( XXXX XXXX XXXX XXXX at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TN XXXX ) through Americredit Finance. The monthly payment was around {$640.00}. I provided the necessary documentation-2 current pay stubs, proof of residency ( lease and utility bill ), employment history ( 17 as a XXXX ), etc. I was there with my XXXX daughter and of course was complimented many times about her. I was told that my 1st payment would be around XX/XX/XXXX. In XX/XX/XXXX, I received a welcoming call from Americredit, that provided me with information about my upcoming payment. A few minutes after the call ended, Americredit called back to ask me if I was on XXXX leave ( I found this to be very odd that they knew that I had recently XXXX XXXX ). I said " yes '', and then we hung up. I never received the information about how to make a payment. A week later ( now a month of driving the vehicle has passed ) XXXX ( a lady named XXXX ) called to inform me that the loan was denied because I was on XXXX leave-despite the employment history and my current pay stubs. I wanted to know how Americredit knew that I was on leave. She was n't sure, but that I should n't worry and that XXXX would handle it. They " handled '' it by making hard credit inquiries without my permission- Americredit ( twice ), XXXX XXXX, XXXX XXXX, and XXXX. In XX/XX/XXXX, I sent a certified letter with a signature receipt asking them to remove the unauthorized inquiries within 30 days. Their response was for me to return the vehicle. The signature on the receipt was on XX/XX/XXXX and the 5 inquiries are still on my credit report, my score has lowered, and I am still without a vehicle. I need your assistance in this mattter.
I have never signed for this debt. my ss # ends in XXXX ... I believe my identity have been stolen. My ex husband may have something to do. I have my divorce decree and can fax it upon request. I have no knowledge of such debt and if I get a letter of such debt send to my current address at XXXX, XXXX, FL XXXX, I will sue this collection company because of the stress they are causing and damaging to my credit ... please help
Around XX/XX/2017 I was contacted by Clearpath Lending in an unsolicited mail offer stating that I could use a VA backed refinance to lower my interest rate. They stated that I could use a hybrid loan that started at a 2 % interest rate with deferred payments for two months but that in 3 years the mortgage would convert to a variable rate and would increase by one percent per year to a maximum of 5 percent. They also stated that this would not happen and that I would have nothing to worry about. They tried to sell me that the markets would not be good enough to allow an increase in percentage. They also stated that the VA guaranteed that the loan terms and that the 5 % was a cap that the VA guaranteed. They used their VA loan number to assure me that they were legitimate and that I was getting a good deal. 

They were very vague with the terms of the loan and would not allow me to see any legal documents detailing the loan agreement before I signed the paperwork. I fear that any other veteran may have fallen for their promises and would be stuck in a predatory lending scheme by clearpath.