WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from a WESTLAKE FINANCIAL SERVI stating that I had an account with them and owe them {$12000.00}. I have no knowledge of this account. I mailed a letter to WESTLAKE FINANCIAL SERVI on XX/XX/2018 asking them to VALIDATE not VEFIRY this account they claim I had with them or remove it from my credit report immediately if they can not provide me with suffice documentation. I have yet to receive any VALIDATION of said debt. Please have this account removed from my credit report as soon as possible as it has resulted in defamation and misrepresentation of my credit.
I XXXX XXXX, XXXX, residing at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX does hereby state for the record that Wells Fargo Bank , N.A . is in violation of my rights under the Fair Debt Collection Practices Act for trying to extend the timeline of a judgment that is no longer enforceable from the original state where it was procured. All documentation to my complaint is attached, proving that a foreign judgment, although enforceable from XXXX, the terms of the judgment validity still is maintained in the original state. Without exception, the XXXX judgment was filed in 2008, and under terms of XXXX General Laws was only enforceable for five ( 5 ) years, unless the judgment was renewed. In this instance, the judgment was never renewed, even after Wells Fargo through legal representation filed a foreign judgment in the state XXXX. XXXX has a ten ( 10 ) year timeline of judgments being enforceable, XXXX has a five ( 5 ) year timeline. The timeline is not extended because XXXX has different guidelines for judgment enforcements. If filing foreign judgments in states that have a longer enforcement guideline were legitimate to extend the life of a judgment, then banks would file foreign judgments XXXX, where judgments are enforceable for twenty ( 20 ) years. The logic of Wells Fargo may look good on paper, but I have attached the necessary exhibits to prove beyond a doubt, that Wells Fargo is re-aging a debt validation from state to state illegally. The XXXX judgment is no longer valid, which equates to the XXXX judgment now being invalid.
This company 's representative lied to me upon signing the contract for the credit card machine. I have the contract but unable to attach at this time. It charged fees it was n't supposed to illegally and I was forced to close my checking accounts. Now almost 6 months later they sent me to collection stating I owe them money when it 's the other way around.
After moving out of a property, there was some minor debt left do to utility bills which had not yet come in. A week after I moved out I check with my former Landlord and found that the total remaining balance was XXXX which I paid using my credit card through their website ( XXXX2017 ). A week after that I received a letter from IQ Data claiming that I owed XXXX and in needed to be paid within a week or I would be placed in collection. I contacted my previously landlord and told them that I received this letter and asked them what was going on. They indicated it was a mistake and that my balanced had indeed paid in full. I was told that they would take care of it. About 2 weeks later, I received a phone call from 1 IQ Data saying that I owned XXXX and I better pay it or else there would be consequences to myself and my wife on our credit report. I told them I didnt own the money and they should check back with their client, but I was told that Lots of people tell us they dont own the money and that I better pay up. After a long conversation where they on multiple occasions refused to check back with their client and said it I didnt own the money it was my responsibility to prove it. I was eventually told that if I dont send them a letter with proof that I paid the debt, then they would report it on my credit report and that of my wife. During this call they also insulted me, insulted my intelligence, claimed I was a liar and disavowed any responsibility for validating the debt. 
I contacted the original landlord who confirmed there was no debt and told me they would take care of it. The land lord also sent me a copy of my ledger showing that I had a 0 balance.
XXXX XXXX XXXX has repeatedly called my cell phone during working hours after I asked them not to. Then began calling our office phone at work and in one case left a voicemail stating that his name was " XXXX and to call XXXX ( and I have the recorded voicemail ) '' ; that I was past due with my account to XXXX XXXX XXXX and subject to be sent to collections. This message was heard first played and heard by a co-worker, who then played it for my supervisor. I've stated to XXXX XXXX XXXX plenty of times to call me after XXXX XXXX. CST to discuss a possible payment restructure and they have refused. Now they're calling my employer and personal financial information on my employers ' voicemail.
I was recently denied credit approval from Mercedes Benz Financial Services ( MBFS ) in regards to an auto lease I was looking to assume from the original lessee, in accordance with Mercedes ' lease transfer terms. No information was provided as to the reason for denial. In response, I ordered my current credit reports and scores from the 3 major credit bureaus. Each bureau lists my FICO score well in excess of XXXX, including XXXX, which listed the recent inquiry by MBFS within my credit report. Given my exemplary credit rating ( as well as annual income ), there is no credible justification for MBFS denying my credit application based on creditworthiness standards. Accordingly, this decision appears to have been made in an arbitrary and discriminatory manner.
I lost my job XX/XX/2017 and fell behind on my credit obligations. As my creditors called i would explain the situation. All except for Capital One stopped calling. 
I have recived over XXXX calls robo calls from Capital One beginning at XXXX. I have ask them to stop calling on several occasions.
While checking my credit report I discovered a collection account from an unknown collector. I have received no phone call from this agency nor any written communication regarding this debt. This company is reporting a debt to the major credit bureaus and thay have not contacted me nor have I been given the right to dispute this unknown debt.
I was called in regards to a bill that was for services provided greater then a year prior. I had been in contact with the provider because I had only begun receiving the notification from the provider 2 months prior, it was apparently a communication issue with my insurance and the provider. The caller was very rude and curt with me, I was trying to get information from her so I knew how to further pursue appropriate actions. She ultimately told me that she would note on my account " refusal to pay '' and then abruptly hung up on me without me being able to say anything else. I called back and left a message asking for additional information and no one called me back.
ever since we bought the house in   XXXX   we had   XXXX   as our house mortgage bank. they sold to  XXXX . I set up my payments to go to the wrong address, I used one of the letters I received from  XXXX  but it was wrong address. the first payment or  two were  cashed and I did n't hear anything from them. Until I received a letter stating I was late  one mont h, I called my bank they said payment was sent off, my bank then called  XXXX  and we realized I had the wrong payment address. so we put a stop payment on that months payment because it was going to take to long to send to the other address then cash. so I was actually never late, I have proof from my bank that money was available on the  XXXX  just sent to wrong address, I do n't want to be penalized for a mistake on a address, ive never been late.
This additional information/dispute is related to CFPB Case number : XXXX : While transunion lowered the balance on the collection account, they did not remove the account from my credit report completely, which is what they should have done. I was a patient at XXXX XXXX in XX/XX/2016. They filed a claim with my insurance agency and sent me a final bill of over {$2000.00} ( see attached ). My insurance company sent me an explanation of benefits statement showing that I only owed {$310.00} ( see attached ) to the provider, not {$2000.00}. I repeatedly contacted the company told them to send me an updated statement ; they never did. So, on my own, I started paying only the {$310.00} balance in XX/XX/2016. I sent my payments to the address on the statement. Every payment came back undeliverable due to a bad address ( see attached XXXX online bill-pay messages ). Meanwhile, the company still refused to send me an updated bill showing that I only owe {$310.00}, and not the {$2000.00} they tried to swindle out of me. In XX/XX/2016, I was contacted by XXXX regarding this account. I was shocked and I told XXXX the entire story about how the company had never sent me a correct statement, and how I still tried to pay them the {$310.00} which I knew I owed, but the payments were returned undeliverable. I told XXXX I had all of the documentation. They told me that I 'd need to talk with a supervisor and that someone would call me ; no one ever called. I finally called them and stated that I was going to call XXXX XXXX again to get this resolved. They informed me that as long as I pay the account by XX/XX/2016, it would not impact my credit. I was furious at even the suggestion that this would impact my credit. This is a travesty and because of the bogus account hitting my credit report, I 've been unable to purchase my first home.
I took out a title loan with Eagle Financial in XXXX and I was supposed to be done paying it back XXXX XXXX well I fell on hard times, lost my job and got behind but I did good because I didn't fall behind until my last months of payments. However, I only had 3 payments left but the company is reporting that I owe more and that is not accurate and at this point I need my title back and an accurate credit reporting. I have disputed this with the credit bureaus 3 times now as of the last 3 months and Eagle just responds verified which does not show proof of anything. Now I am reaching out to you to see where this can go before taking other action.
XXXX XXXX ( FBN XXXX ) represents Unifund CCR , LLC in a lawsuit filed against me. This debt was from XXXX of 2009, which is well beyond the statute of limitations for Florida, F.S.S. 95.11. Because of unforeseen events, I was unable to attend the court hearing for the judgement. Since then, XXXX XXXX has continued to attempt to illegally collect this debt through grnishment of wages.
I sent Nelnet a letter on XX/XX/2017 informing them of the inaccurate information on my credit report and requesting validation. No response was ever received.
XXXX XXXX in XXXX, TX XXXX ran hard inquiries on me for a auto loan and i di not give them consent. i told them to stop after the first check. ALL hard inquiries were done when i was not even in the car dealership. They tried to get loans for XXXX $ from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX that went on my XXXX   Report. THey also ran credit for XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, that all went on my Equifax Report. A total of NINE hard inquiries that were without my consent
My mortgage is at about 6.5 %. Refinancing sounds like a good idea -- as far as getting a better rate, lower payments, etc. -- but I do not trust the entities that are holding my mortgage or that are offering the refi 's. I suppose that this is mostly about my fears regarding the mortgage, in that none the other entities involved in my mortgage -- original bank, inspectors, appraisers -- seem trustworthy. The value of my home has been re-assessed downwards twice by my home county since closing. I am aghast that no one had a fiduciary responsibility but me. In that a refi seems to mean that the bank is willing to earn less from me for the mortgage over time, I start looking for hidden dangers. No way would they reduce my side of things once they 've got me on the hook. 

Can you help to explain how refi 's work, what I should expect and what I need to know to feel more comfortable about this?
Equifax is reporting ( XXXX ) Federal Tax Liens in the Public Record Section of my file. I have disputed the accounts as not belonging to me. I asked Equifax how they verified information and I was told that they confirmed or verified with the XXXX County Courthouse in XXXX. I called the XXXX County Courthouse and I was told by a clerk named XXXX that there was no record of Equifax contacting or speaking with anyone from the courthouse concerning verification of these alleged liens. I then contacted XXXX XXXX to request my file and XXXX XXXX reports show no tax liens on my file. My complaint is that is it that Equifax is verifying this information when the courthouse or XXXX XXXX show the contrary. I am requesting Equifax to delete these harmful and injurious notations on my file.
I started playing an online game. I made a few small in app purchases for {$4.00} to {$9.00} each. These purchases where made using XXXX XXXX. Thousands of dollars worth of charges have shown up on both of my Navy Federal credit cards. XXXX XXXX  refunded a bunch of them on one of the credit cards but refused to on any of the other charges. I contacted Navy Federal and started the dispute process. They just sent me letters for each dispute saying that they're not going to refund the purchases, I did NOT agree to these charges, dozens of player 's on this game, from all over the country are being charged thousands of dollars that they did not spend. The display of incompetence and the supporting of this fraudulent behavior, displayed by both Navy Federal Credit Union and XXXX XXXX is beyond ridiculous. I have played their games, jumped through their hoops and they are still trying to steal from me. The app is named XXXX XXXX XXXX XXXX. It is a XXXX based game and they are over charging there player 's thousands of dollars. Navy Federal Credit Union and XXXX XXXX is enabling this extortion. I have spent dozens of hours of my personal time trying to resolve these issues. I seldom use these credit cards so I wasn't paying attention to the account balances going up over the 4 or 5 months that these charges where accruing. It is going to be nearly impossible for me to itemize these charges, as I have a XXXX  from an XXXX in XX/XX/XXXX. I truly believe that both of these institutions are using this against me. My inability to sort out every XXXX, I get confused when I get stressed out and I'm unable to work through these things. Bottom line is I did authorize about {$150.00} to {$200.00} worth of charges, not {$10000.00} plus. I no longer have the mental capacity to play these XXXX games.
Prestige Financial has failed to update my credit reports with XXXX, XXXX and XXXX according to the current status of the account. I have paid Prestige current paid as agreed and my credit reports do not reflect this information. As per the data reporting on all 3 reports, Prestige is still showing account listed as delinquent status which is not accurate. I have sent an email to XXXX XXXX of the Representatives at Prestige and her response was she forwarded over my request to update my credit files. I have not heard anything back from the company. 

I have received a statement emailed to my XXXX account reflecting no past due balance and that I am paid up to date. However no reporting was done to reflect I am paying as agreed. 

Statement has been attached for your review as supporting documents. 

As of today my credit reports do not reflect account being in a current paid as agreed status. My account with Prestige is current. 

This false inaccurate information has caused credit denials.
I have the Bank of America Pre Paid Unemployment card with the state of Michigan. There were transactions I did not recognize. I have supplied police reports and picked up my wallet from the police station.
The refinance application made on XX/XX/XXXX with Bank of America was canceled without notification. I believe it was canceled on XX/XX/XXXX however as of this date, XX/XX/XXXX, I have only anecdotal evidence the loan was indeed canceled. I received further documentation from Bank of America on XX/XX/XXXX showing loan estimates and loan program disclosures. It appeared to me that we were proceeding accordingly with completing the loan process. I have made several attempts at understanding why however no one at the bank has come forward with any answer. I also filed a complaint on line at the bank website two weeks ago however no one has contacted me regarding the complaint. I believe I have provided all documents required to close on this loan.
XX/XX/2017, I received a notice from Select Portfolio Servicing, that claimed that I was to begin paying them, as they had become my new loan service provider. 
I initially believed it to be a scam, as it was a generic letter, and I had not received any notice from XXXX XXXXXXXX XXXX, who had been the current servicer. I requested loan documents, and a copy of the note. They sent me an electronic copy printed from their computer, of all the files they had relating to my mortgage, but no " Certified Copies '' of ANY original documents. I repeated my request multiple times, and received the exact same printout 4 times I believe, but still not a certified copy in the mix. They informed me that I could drive 15 hours each way, and view it in their XXXX XXXX XXXX office, where they keep them, and I informed them that they were not complying with R.E.S.P.A., and that they were required to send me a " Certified Copy '' and not just a print from a computer file. 
Several tries later, I was finally contacted by a man from their Ombudsman office, who agreed that they would send an actual certified copy of the Note, and other relevant documents. This did not happen. I have contacted them several times over the last 8 months, and have met the same exact end, no " Certified Copy '', and their office declaring they have met their obligation. 

They also changed the impound account amounts as soon as they took over this account, which they claimed they don't do, and increased the amounts by nearly {$150.00} per month, and could not explain adequately why, since there were no changes on the insurance or tax amounts being billed. Claiming that they don't do that until they have had it long enough to evaluate if there will be any shortfalls or overages ... yet they did it anyway. 

This lead to further concerns on my part. If they can just change things at their discretion, where will it stop? 

While I am not in default, I have been paying this under duress. I have been trying to work with them, but am afraid that they DO NOT actually possess the " Original Note. '' While this is not a huge issue at this moment, if I continue to pay them until the property is fully paid off, and someone else actually owns, or possesses the actual note, they could not sign off my property, or return the note to me. I could also lose my property to the actual note holder in the future, if they decided that I did not pay, or suddenly decided I owed a tremendous amount of back payments. 

While Select Portfolio Servicing was legally obligated to provide Certified Copies within 30 days from my request in XX/XX/2017, I am still waiting, and want those copies as requested. 
If they do not actually possess the required documents, I want the information on who does. Also for S.P.S. to stop collecting a debt they do not legally own.
CHEX Systems has not deleted the fraudulent XXXX credit card application and has not deleted the fraudulent address used for that which is XXXX, XXXX, CA XXXX. It is still on my file, NOT DONE. Letter from them was from the Consumer Relations dept which knows nothing about it, and said it was done, and gave me a phone number only for Consumer Relations., and on the next page all the fraudulent activity was still listed. Delete XXXX and delete this XXXX address and send me a clean copy by mail.
I have attempted to contact the creditor in order to verify debt but I have received no response nor documentation of the same
I filed a dispute with Experian disputing XXXX XXXX. This creditor has been on my credit report since 2008 according to XXXX XXXX. But I never applied for a credit card with this company. Also, I am within guidelines to request the removal of this old creditor and Experian has refused to remove it. I am again requesting for XXXX XXXX, account number XXXX to please immediately be removed from my Experian credit report.
I opened my mortgage with BOA on XX/XX/XXXX ... the account was transferred to XXXX XXXX and closed with BOA on XX/XX/XXXX. The closed account for BOA is still reporting negative on XXXX and XXXX. My last report was pulled XX/XX/XXXX in which this action is still reporting. I spoke to several representatives with BOA Mortgage back in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed this on my credit report through XXXX XXXX in XX/XX/XXXX. When XXXX XXXX  assumed the loan, it reports from the beginning of the opened loan original date. BOA is reporting as negative from the dates in which XXXX acquired the account. XXXX XXXX has stated this information has to be resolved by BOA. They acquired the loan and the information and reports from history.
I am attempting to close with XXXX XXXX XXXX XXXX. I have requested the us of   XXXX XXXX XXXX in XXXX Michigan to handle the loan policy being issued. The credit union is forcing me to use Transaction Title in XXXX XXXX. I do not wish to use them as it will cost me more money
In XXXX I froze my Experian credit report and received a PIN to use to unfreeze the account. Twice I have tried to use this PIN to unfreeze the report and twice I have been unable to do so. Experian does not have a customer complaint telephone number so I am forced to write to the company and wait for a reply. I just want to unfreeze my account when necessary and do not think I should have to wait to do so. Time is of the essence.
I sent a letter to Equifax on XX/XX/XXXX, asking them to investigate errors on my credit report. Over 30 days have passed, and I haven't received a response yet.
Transunion and XXXX have failed to remove a fradulent account from my report after multiple complaints. The company that the account is from is suspicious as XXXX and wont answer my calls. The account is now " charged off '' but it hasnt been removed. Transunion and XXXX should protect the consumer instead they continue to make me deal with a XXXX company and refuse to remove it because the company claims its correct when its not. XXXX removed the account the first dispute. This is extremely anti-consumer from Transunion and XXXX.