WillisBack/dataset-financial-user-claim huggingface dataset:
US Bank hired an attorney to submitted false information to the courts system. The attorney, XXXX, was NOT hired by the Department of Veteran Affairs ( VA ). US Bank was aware that XXXX misrepresented this material fact to the courts. When in fact, the VA was in possession of the home since XX/XX/XXXX. The home was voluntarily submitted to the VA in XX/XX/XXXX. In XX/XX/XXXX, the VA authorized a deed-in-lieu and was officially owned by the VA since XX/XX/XXXX. Therefore, the writ of possession should have gone to the VA and not me. To make matters worse XXXX misrepresented himself as an agent of the VA. Please see the attached documents. US Bank and XXXX intentionally submitted false information to the courts. The writ of possession should have been served on the VA and not me.
Bank of America and XXXX XXXX XXXX for illegally broke into their homes, changed locks to bar residents from re-entry, and shut off utilities well before a foreclosure is finalized.
I contacted this company a year ago and stated I could not mail in payments. I needed to keep a checking account or credit card on file. I do n't want to do that because I will not make the payments on the same day. They stated they could n't help me if I did n't leave that information on file to withdraw automatically. I asked why there were so many fees added after I contacted them that I could n't pay them and they said they can charge up to a year after I contact them.
XXXX    XXXX    XXXX , is currently reporting a charged-off account that I am no longer responsible for. This company has failed to provide me with documentation, that I am responsible for this debt and this company is reporting information that is currently past the 7 year reporting period to all  XXXX  credit bureaus.
Starting from XX/XX/2016, XXXX, a credit card promotional service, generated hard pull inquiries on TransUnion 's credit report when only soft pulls were suppose to be generated. I 've been a victim of Transunion 's inquiry issue and they refuse to remove the hard inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report.
Fox Collection Agency located at XXXX XXXX XXXX, XXXX, TN XXXX. States that a Debt from XXXX XXXX and XXXX XXXX XXXX XXXX are owed. I never received any Debt Validation letter FDCPA 809 - 15 - USC- 1692, I did not receive any statement of the account/payment history/signed contract from the creditor. This debt is not owed. I would like to file a complaint against Fox Collection Agency as they have in error posted on XXXX, XXXX XXXX, and XXXX negative information that is not correct. In addition, I would like to request all negative reporting to be removed from credit bureaus.
FALSE COMPANY NAMED " AMCA '' TRYING TO COLLECT A DEBT THAT I ALREADY PAID TO XXXX XXXX XXXX.
My Loan charged off in early XXXX, after i turned the vehicle into XXXX. They auctioned off the vehicle and sent me a final charge off amount of {$2600.00} in early XXXX. I received a payment settlement request in XXXX of XXXX for {$1500.00}. I subsequently received another payment request in XXXX XXXX for {$1800.00}. As of today, they are reporting that i owe {$7700.00} as the interest is still being charged on a loan they have been " charged off ''. They are legally suppose to send me monthly statements if they choose to keep adding interest to my account, as of today, i have not received XXXX statement in 3 years. They are doing everything possible to wreck my credit by inflating the amount owed to well over 300 % of what the original loan was to show my credit utilization is too high. They already have my car, now they want to ruin my credit. They are predatory an overly punitive with high interest after the charge off.
On XX/XX/2018..I sent a certified letter to validate debt ... ..the collection agency for XXXX XXXX XXXX -- who is XXXX XXXX XXXX XXXX XXXX 

This was returned to me as undeliverable..problem with address ... this company 's website is also down .... 

This debt is unverifable ... .i deserve to have communication and a clear understanding from a DEBT BUYER..who is reporting inaccuracies ... which is in turn affecting my credit..my insurance and employment.. 

This is only still on my Transunion report..Transunion is allowing this and inaccurately reporting.. VIOLATING my rights ... please delete I have attached proof via usps..email exchange..etc
Company agreed to remove this debt from my credit report. It continues to appear. Please have it removed from all XXXX bureaus per the attached document citing their written agreement to do so. This information continues to negatively impact my credit report and my ability to obtain new credit and qualify for a mortgage.
I have contacted Experian numerous times to have items deleted. There are XXXX negative accounts still reporting that clearly violate the 7 year fair reporting act but Experian refuses to discuss this any further. If I do not have this information removed in a timely manner as per the 7 year fair reporting act I will have no other choice but to proceed with legal action. Please review this case as the 2 reporting accounts have clearly surpassed the 7 year reporting requirement thank you.
Citizens Bank has been regularly reorganizing the order in which charges are processed through checking accounts in order to increase the amount of overdraft fees. Most recently I realized I was going to go into overdraft because a refund that was supposed to hit my account was applied incorrectly by the state. While they are researching where that money went to and my knowing that my account would now overdraft, I began taking screen shots of my account each day as I knew Citizens had a history of reorganizing transactions in order to increase the overdraft fees. I 've been charged {$100.00} so far for 3 transactions which I have printed documentation had not thrown my account into overdraft. When I called the bank they advised that a pending transaction caused those overdrafts and would not waive the fees. When I advised them that I had been taking screen shots of the banking site and printing the proper documentation that this was not the case, I was advised that they could only go by what the system tells them on their side and refused to refund any of the charges. The issues occurred on XX/XX/XXXX, XX/XX/XXXX. The three charges were for grocery shopping I did on XX/XX/XXXX. The transaction the bank claims to have caused the overdraft was processed on XX/XX/XXXX from a doctor 's appt. A full day later. Now of course this has thrown even more into overdraft and I stand to be charged another {$300.00} in fees. I do not regularly overdraft my account and am so disgusted that the banks get away with this. Another note is that we received money as part of a class action lawsuit just 2 or 3 years ago for Citizens Bank engaging in this very practice.
In 2003, I obtained a Best Buy Credit Card. It is currently serviced by Citibank. I noticed that I have been being charged up to 12 percent annualy for " debt protection '' which I never agreed to purchase from 2003 through present. I requested that Citibank send me the proof that I signed up for this service ( a signiture or other affirmation that I agreed to purchase " debt protection '' ) After numerous calls to Citibank, I was told the " debt protection '' was provided by a third party, but no one knew the name of the company that provides the " debt protection service. '' I later found out it may have been provided by a subsidiary of Citibank which is an insurance company. Even the cancellation department for the " service '' was unable to explain who they worked for. I was told they would be recording my call, when I asked if I would have equal access to the recording, I was told " no. '' When I asked whether I could record the call, the person asked a supervisor, then got back on the phone, and told me since I asked to record the call she could n't talk to me and immediately hung up. I called back and said I would talk to them under duress. They agreed to cancel the service, I never agreed to pay for in the first place and told me that another department which they only have an address for that has no phone number I could call or email address would find the proof that I signed up for the service. 30 days later, I received a letter saying Best Buy 's records indicated that I signed up for the service with NO proof that I did sign up. I called back and explained again that I think they have been fraudulently charging my card for a service I never agreed to pay for and I mentioned that it appears that Citibank entered into a consent Order in Federal Court ordering it to pay XXXX XXXX dollars to consumers for the exact same issue I am having. Specifically, that debt protection service was charged without ever being authorized by the consumer. I was told, they have no idea about that. I again demanded all amounts that I was fraudulently charged since 2003 be refunded to me with interest. Against 30 days later, I received a letter saying their records indicate that I signed up for this service in 2003, again with no proof that I did in fact sign up for the service. It has now been almost 3 months since I started this process of attempting to get the money they essentially stole from me back without filing a lawsuit.
On Friday, XXXX XXXX 2017, I visited equifaxsecurity2017.com to discern if I was affected by the recent information breach. The website confirmed that my information has been compromised and directed me to return at a later date to enroll in their Id protection. Equifax has mishandled my sensitive personal information and exposed my family and myself to identity theft.
This company calls multiple times a day despite requests that they remove our number from their database. They do not provide information on the debt that they are attempting to collect. I know of no debts owed by me and am inclined to think that these computer generated calls are merely fishing expeditions seeking a similarly named person. They have not responded to requests to communicate via mail nor provided any evidence of a debt owed by me.
I have made numerous attempts with Navient to get my monthly payment reduced on a private student loan. Since this loan went into repayment again in XXXX 2015, I have maxed out all of my credit cards and now I can not pay them, I had to surrender my automobile and purchase a cheaper one ( but the payment is still high because of my credit score ). I am even to the point that I am considering filing Chapter XXXX Bankruptcy on top of the Chapter XXXX I filed 3 years ago. Everything was going well after Chapter XXXX until the Navient Private Loan went into repayment again. Navient says because I have a cosigner, they are able to make my payment, but my co-signer says they can not make the payment. I have gone through the financial worksheet with Navient and I only have a disposable income of $ XXXX/month to pay these loans. They claim my cosigner has enough income left that my payment is $ XXXX/mo. I have asked for forbearances and I have been denied. I have asked for help numerous times and I am always told there is nothing that can be done for me. I keep hearing about how Private Student Loan Lenders are working with customers, but Navient has failed to work with me.
In XXXX I signed up for XXXX treatments and booked some appointments. I did a payment plan with a third party to help me pay for it. A few hours later i decided to call and cancel all services due to personal reasons. The manager was telling me that I could not cancel it because of the third party and because there is no refund. I have asked her to give me the number of the third party so I can call them and explain to them the situation but she told me that she had no idea who the third party was. The manager then told me that she could cancel all appointments but that the third party was still going to bill me either way. I had to wait for the third party to mail me a bill so I could call them and explain the situation. The third party explained to me that it was too late because they have already sent over the fund, that the only way they will stop sending me a bill is if the XXXX XXXX company would send over an email explaining that I've canceled all services. The third party sent over a few emails to them for months and still no response. I even contacted them a few times and no results. I've been dealing with this for months and it is affecting my credits and I am not paying for something that I did not get any services from. On XX/XX/2018 I filed a compliant with the XXXX XXXX XXXX. They tried to reach out to the XXXX XXXX store in XXXX Ma but no response from them.
On XXXX XXXX I was contacted by Santander, at my place of work, where I have never given out the number, I was told I was on a recorded line and verified my information. I informed the gentleman that this was my work number and not a good contact number and to remove it. He said he would as soon as he told me what it was about. I let him go on, but was interrupted by my work. I told him it was not a good time, and that he needed to remove the number. On XXXX XXXX I was called at the same number by Santander I informed her this was not a good contact number and that I had previously told them they can not call me at that number.
The manager of Eagle Loan Compnay visited my home and left a postcard ( business card ) in the door about contacting his office. This upset me and my husband tremendously and was extremely embarrassing. I asked to be contacted on my cell phone only. I thought it to be completely harrassment to vist my home, all I receive are calls, they have never sent me a letter, stating the balance. But the manager made a house call to my home.
I have tried for years to get help with both private and federal loans through my server, Navient. Navient has fail for over 5 1/2 years to work with a payment that I can afford. I was repeately given option to put loans ( they served both private and federal ) in forbearance so times over the last 4-5 years that the principal continue to grow. Each time my loans came out of forbearance, I would call and ask for help because there was no possible way to pay them over 500/mo. I pleased with them, each time, explaining that my financial income was not projected to increase. They knew conitnuing to put me in another forbearance would only allow for my loans to grow without the projection I would be able to pay when it ended. Many times I explained that if you could just lower my payment to around $ 100/mo could avoid forbearance and at least be moving in the right direction. They refused that offer or ablity to work with around $ 100/mo. They said the lowest they could lower my payment was from approx. {$430.00} to {$180.00}. Once again both the person assigned to my Navient Loan account and I, discussed If I paid even the latter amount, the income to outflow work sheet they used to " lower my payment '' ( which half risen due to continual forberance ) showed very clearly that I would be paying way more than bringing in. Might I add, my pay each month is consumed by rent, electric, utilities, and tv ; leaving just enough to buy food, personal hygiene items, transportation, and necessities for my children. No credit card, personal loan, or other debt. Once my forbearance time had been exhuasted, I was told Navient had no other ways or options to assist me in aggreeing on affordable payment or program. My assigned Navient account officer gave me the following advice ... She advised me to try to toggle payments between my two loans they served. She continued to explain that my best option was to pay one loan ( approx {$100.00} ) per month and then skip that one and pay $ 150- $ 200/mo on the other loan the next month. She said at least it will buy you some time so your loans do not default. With great disappointment and 0 options left, I tried to toggle my payments but # 1 I was stuggling severely and # 2 I was still delinquent in the latter loan. Now both loans are in default. Until XX/XX/2018 my net income was approx $ 1400/mo and as of XX/XX/2018 my net income is approx $ XXXX/mo. My house hold is 4 with no other income. My husband has been in SSI and XXXX limbo for going on 2 1/2 years and both children receive state aide. Please can you help me?
I have been constantly trying to get one closed item updated on all 3 credit reports.  Account XXXX XXXX XXXX XXXX shows that my account was Paid as a chargeoff in which account was not a Chargeoff. I even contacted XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX and they also stated that it was not a chargeoff. They stated account was paid in full as of XX/XX/XXXX. On my credit report it shows as chargeoff with balance of {$540.00} being owed and that's not true. My payment history is not even showing on my report making it seem like I've never made any payments within the last 6 months before paying off account. XXXX XXXX XXXX also mailed me a copy of letter stating it was paid off in full. I will attached copy of letter for proof.
American Express Serve cancelled my card. They were suppoed to send me a check with the remaining funds attached to it but never have. This was over a month ago and they told me on a recorded line that it would have been sent out within XXXX days.
A girl told me via XXXX messenger that she would sell me tickets for {$70.00}. I sent {$70.00} to her requested PayPal account and then she never sent tickets. I have full proof from XXXX messages as well as the receipts from PayPal.
I have fraud protection with bank of America. I had two things they wrongfully denied. I had {$200.00} counterfeit merchandise I received from XXXX in XX/XX/XXXX and they refused to cover it and wanted me to send back the items even though it is a federal offense to mail counterfeit items through the mail. I then attempted to get return labels through the seller and was refused thand told to go through the bank since I filed a dispute. They still refused to cover it. 

I also had someone get a travel account with my debit card and email address and booked a room in FL. My card was fraudently charged {$180.00} and they also refused to cover that. This was in XX/XX/XXXX. 

After they took the charges back out of my account, i had numerous overdraft fees. This all caused my car ins to be cancelled. It 's caused me a mess and only from trying to protect my funds I work hard for. I lost almost 400 plus all the overdraft fees since I had to stop using my account. I do n't want this on my credit and I need the fraudulent charges put back in my account and all of the overdraft fees. I have also filed a complaint with fdic, ftd, and bbb. I need some help because they are refusing to help me.
I was a XXXX customer using their data service all of XXXX with no issues of payments at all, my bill was about $ XXXX I finished my relationship with them, both sides had satisfaction as nothing was owed. I completed my last payment in XXXX and moved to phone carrier XXXX. But recently I missed a few good benefits being a XXXX customer so I decided I'd switch back, this is when the problem was brought up. I entered a XXXX store sometime in XX/XX/XXXX for them to tell me they couldn't service me until a debt owed to a collection company was paid which happened to be Diversified consultants inc. I asked them how was that possible when I paid all of my months of phone service, never late, no issues or anything and the clerks in the store could not tell me how as they said my past account was handled by a different company who they no longer do business with and they had closed my account and sold it off to diversified as charge off debt. So XXXX even though they were the original creditors, could not verify or explain this random debt, only gave me info to contact diversified in which I did, when I did they asked me several different personal questions to they had everything about me except my physical i.d lol and they just said they'd send some account info through mail. I received their mail and it is very vague, no explanation of debt what so ever. It only shows a few different lines and a few different numbers, and random dates. It goes from a balance due being {$150.00} to {$230.00} to {$290.00} to now {$290.00}. This company has literally claimed a XXXX XXXX customer to be delinquent and created their own timeline and numbers then received a call from me because I caught onto the fraudulent act, only to ask me a series of personal questions so they could secure enough up to date personal info on me to place a debt on my credit report. Well I happen to have excellent credit and I have 5years history of onetime payments and no negative activity what so ever. The debt they seek of me is puny in regards to my funds in my bank account and credit card limits but its the injustice of it all, it's the principal, I will not let allow some scam company to bully me into giving them money I don't owe them. Failure on their behalf to provide a copy of any alleged original contract or other instrument bearing my signature with the particular debt in question of fraud, will result in a small claims action against their company. I will be seeking $ 5,000+ in damages for the following : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Credit Reporting Act
Equifax did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. Equifax is listing an account on my credit file from the XXXX XXXX XXXX XXXX XXXX/XXXX XXXX that belongs to someone else. This account is not mine. Equifax keeps stating that they verified that this account is mine. How could they when the XXXX XXXX XXXX XXXX XXXX informed me that my account with them was paid in full onXX/XX/XXXX? This account has appeared on my credit report since XXXX. I never had an account with XXXX XXXX. I have paid off my account with the XXXX XXXX XXXX in XXXX of XXXX. I have PAID MY LOAN IN FULL WITH THE XXXX XXXX XXXX XXXX XXXX and I HAVE NO OUTSTANDING ACCOUNTS WITH THE XXXX XXXX XXXX. I have included a copy of my Paid In Full letter from the XXXX XXXX XXXX XXXX XXXX. The accounts that are listed on my credit file that I am referencing is : XXXX XXXX XXXXXXXX XXXX # XXXX This is not my account. I did not authorize this account to be on my credit file.
As you know, Equifax had a major data breach impacting up to 143M consumers. All information needed to ruin someone 's life was stolen. As soon as I learned about this, I took steps to protect myself though Equifax did not tell the public until months after the breach. I went to each of the three major agencies and placed a freeze on my credit and on my husbands ( with his permission ). I had to pay {$7.00} for each freeze resulting in a cost of {$45.00} ( two charges at each bureau ). I do n't feel I should have to pay this since I only did it because of the less than acceptable security Equifax had on their system. Not only that, but I will have to pay each time I need to apply for credit to have the freeze temporarily removed. I did not address this with Equifax because they have no way for a consumer to contact them except by mail. If they do have a way to contact them other than mail, it was not easy to find on their website. I would have to write letters, which is yet another inconvenience for me.