WillisBack/dataset-financial-user-claim huggingface dataset:
I had complained about this previously in complaint number XXXX. I have now paid in FULL the entire about of the judgement filed against me, which by the way was three time the original debt, which they purchased for pennies on the dollar. I called the court yesterday to find out the status of getting my bank account hold released since I completed the payment of this judgement in XXXX. And I received a statement from the court showing a ZERO balance due, listing all the payments made and the amounts. I was told that the collection agency is looking for MORE money. {$47.00} to be exact. And the woman from the court was going to make a second call to them to find out the status. And would call me back if she made any headway. Needless to say I did not hear back from her. I also went on the website NJ courts to see the status of the docket. The case status shows as closed. The Proceed status shows as completed. And there is a Document type of " Wage Exec Iss '' that shows as ACTIVE. My wages were never garnished. And I would like to know why this is active. And how I can get a COMPLETE release from Pressler and Pressler stating  I have COMPLETELY and TOTALLY satisfied any and all judgement and dealing with them. XXXX XXXX XXXX ( the account they levied on in XXXX XXXX ) will not allow me to close that account as they are saying they have received NO paper work stating they can remove the levy. Meanwhile they handed over the {$2400.00} or so dollars to the court and charged their {$120.00} in legal fees. I have now paid close to {$4000.00} for a debt that was originally {$1300.00} and I am still Being EXTORTED by this company. Their behavior is criminal and their tactics are shady. I want this done. I want a complete release from them and I will not pay them one more penny. As this is unfair and unethical treatment. They are taking advantage because they know where I work and how detrimental a problem like this could potentially be. This is the worst form of legal extortion I have ever encountered. Pressler and Pressler and XXXX XXXX ( another arm of their corrupt marginalization ) should be disbarred. Who ever heard of lawyers collecting debts for THEIR own profit. There should be so legality against this. I want the wage garnisment closed, erased, destroyed, however it is done and this docket closed. The docket number is XXXX. Everyone should know what a fraud this firm is. I am SURE I am not the first nor the last to complain about their unethical practices.
They continue to contact my family members trying to get information about me saying they need to collect a debt. They were very rude to my parents and my brother on the phone. IT seems like a scam
There are  XXXX  liens on my   XXXX   credit report that do not belong to me. I have asked for verification from  XXXX  and they failed to do so. I contacted the courts they do not report t o 3rd party ag encies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately.  XXXX  is not the method of verification. I called the courts and they did not give no  one  information. Remove immediately! I will start legal action if needed.
I disputed this account 3 times with the creditor Kohls/CapOne and also specifically requested for validation from the creditor to provide me validation of the account. Validation letters were sent via certified mail to creditor Kohls/CapOne and XXXX, XXXX, XXXX regarding this matter and failed to respond to me the consumer directly on a timely manner of the 30 days validation period. The creditor only responded to XXXX, XXXX, XXXX that the account was validated. How is this possible that an account gets validated without showing any proper documentation to the consumer? 
My fair credit reporting act rights are being violated by the creditor Kohls/CapOne by not providing validation of the account with the consumer directly.
I had a mortgage with Chase acct. # XXXX which was sold to XXXX acct # XXXX. In XX/XX/XXXX they force placed insurance on my account and for YEARS I sent that I had had proof of insurance and they kept misapplying my payments towards escrow shortage rather than my mortgage & charging late fees. Finally in XX/XX/XXXX I spoke to someone with some sense and they mailed a check to me for theforce placed insurance. SInce in the interim they had sold th loan to XXXX ( Now XXXX ), when they sold the loan they transferred the incorrect amount. Therefore when I would send my payments to XXXX they kept returning them to me stating the payment was not enough to cover the debt. 
Chase sent the reimbursement check made out to XXXX AND THEY ( XXXX ) STILL returned the check to me stating it was n't enough. 
I finally thought that this nightmare was over last year, but it has continued to be an ongoing nightmare and my account keeps accumulating late fees & my payments continue being returned with them stating it is not enough to cover the debt. I have had to hire an attorney who also gets the run around. I have contacted the attorney for XXXX and even he can not get an answer from XXXX. 
XXXX states that they can not waive the previous late fees and misapplied funds because that it what was sent to them by Chase. 

What I need:1 ) Chase to correct the misapplied payments, remove the late fees, update the credit bureau and report the correct balance to XXXX. 
2 ) XXXX to waive the late fees, update my credit bureau apply the escrow credit balance and accept my payments for all of the payments that I have sent & have returned to me. I have this amount in my account and just want this nightmare to be over.
XXXX XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested and continues to report this trade-line to two of the three major credit bureaus. I requested validation of this account in XX/XX/XXXX to no avail. I also disputed directly with them in XX/XX/XXXX. To date XXXX XXXX XXXX continues to disregard my requests and ignore my consumer rights. I requested the documents from their files used to validate this account but all I received was an itemized billing statement from the original creditor. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified and unvalidated accounts must be deleted. Who verified this account? What documents were used to verify? Are these charges valid? The only correspondence that I received was a letter stating that I owed this debt and a billing statement ( this item does not qualify as verification per FCRA ). This company is in violation for continuing to verify the account with the credit bureau without properly validating or providing the evidence as requested. XXXX XXXX XXXX is blatantly disregarding the law.
I had a debt with this collections attorneys office for 6 years, I 've paid regularly monthly. I have even made lump sum payments on this medical debt. Last month I received a call that my card had expired that they charge monthly. I gave her the updated card information and while on the phone with her asked what we could settle my debt for and get this all cleaned up. She said she would check and call me back. I recieved a call offering to settle for XXXX now and XXXX next month. I told her I would have to think about that. 2 Weeks later my employer gets a letter that they were garnishing my wages. I had paid on this debt with them for 6 years and then they said I was not paying it and added fees and interest, and more attorneys fees. I never canceled or defaulted on my obligations to pay them, its not fair of them to do that when we had an agreement. Why would I call and update my card information if I wanted to cancel paying? This is just a scam for them to get more money and is not right. When I called to say hey what the heck, they said you need to go ahead and settle now for XXXX more than what it was last month or now that we have the garnishment it is really going to affect your credit. I am so furious with this company, I have done my best to work with them to pay a medical debt and they are treating me like a criminal with no rights.
The stupid XXXX 3 day for CD disclosures to the consumer is the most ridiculous rule that has ever been created for the real estate community. Even if the CD changes the title and lender has to eat it. As a borrower my new home is ready and these changes has delayed us being able to get into the home 5 days and possibly more than that because of the XXXX XXXX holiday. 

I would think that after 3 months of searching for a home, and 30-45 days of underwriting and getting everything to the underwriter except a sample of blood, that the last thing I would want is an unnecessary delay. By that point in time I am pretty confident that I just want the keys to my new house!! 

I still do n't get an initial disclosure and then the closing disclosure that I need 3 days to review. Seriously this is an example of too much regulation.
There were XXXX unauthorized charges on our expired american Express credit card ending in XXXX ( which expired on XX/XX/XXXX ) and the vendor is American Express Gift Card Department and the vendor accepted and approved the expired credit card for total of XXXX charges -on XX/XX/XXXX and XXXX there were XXXX unauthorized gift card charged to our new credit card which American Express credit card Department was transfer the expired credit card charges to our current credit card ending in XXXX and the amount was {$3000.00} ( XX/XX/XXXX ) and {$3400.00} ( XX/XX/XXXX ). American Express gift card and credit card both department was blaming us for the unauthorized charges.which we already took the trouble to change the credit card number to a new number. Nevertheless the old expired card still active and transferred the charges to our new current card without authorization from us. We were forced to pay the charges we did not authorized. Also the card were delivered to an address other than the billing address which is the proof that we did not got the gift cards.
In XX/XX/XXXX I authorized a business to debit my account for {$100.00} and in turn they were to provide services to me. The services were never provided me so I called the merchant to get the {$100.00} returned and he did not respond to me. 
I then called Wells Fargo Bank to dispute the charge. I was given provisionary credit and then I received a letter on XX/XX/XXXX that the credit was being taken back and no credit would be given, should I have any questions to call. I called Wells Fargo and was advised that " They lost the case against XXXX because they are a money transfer company and that the transaction was a money transfer. I once again advised that this was not a money transfer and that my debit card was processed by the business and XXXX must have been their Merchant Services company. They kept insisting that it was a money transfer. I asked to speak with a supervisor as I was not satisfied with the information that was being provided and they should also realize that this was not done as a money transfer, " as similar to XXXX XXXX '' as I was told but processed through a merchant services company, I was advised that this was a final decision and there was no where I could go to dispute this transaction.
They are calling from multiple numbers, A minimum of 5 times daily up to 12 times in a day. Their automated system states I have until XX/XX/XXXX to pay in full, but charges have been released to a collection company. I advised them that the amount and frequency of calls is harassment and needs to stop, do not call again. They told me if I paid my bills they wouldn't be calling. List of numbers used to call me below : XXXX XXXX XXXX XXXX XXXX XXXX
I received block call unknown name & number asked To call XXXX Where a recorded voice states " WE have tried to contract several times and WE have recived several complaints in our office " call XXXX. Upon calling I asked for paper work. was told to do the work myself and I would be sued
I opened a savings account with Union Bank of California on XX/XX/2018. The branch address where I opened the account is : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

After opening the account I waited for my ATM card to arrive in the mail. While I was waiting for my card someone somehow stole my card information and began withdrawing the money from my account. I have the envelope that the card arrived in. It was postmarked in XXXX XXXX on XX/XX/XXXX and would not arrive to XXXX XXXX until some time after that date. The first stolen withdrawal was for {$100.00} on XX/XX/2018 at my branch. The second stolen withdrawal was for {$40.00} on XX/XX/2018 at a branch across town. The last stolen withdrawal was for {$200.00} on XX/XX/2018 at my branch again. Upon seeing the fraudulent withdrawals I immediately went to my bank with my ATM card that was still attached to the paper that it arrived on and opened a claim and had the branch assistant manager destroy my ATM card. The card never left my apartment. No one knows my pin. It was still attached to the paper that it came on! 

My claim to get my money back was denied. The bank told me that they would be in contact with me up to 30 days after the claim was filed. No one bothered to contact me to tell me that my claim was denied. I'm filing a dispute with their ruling because the card was not even in my possession when the first transaction happened.
I received a loan in the amount of {$670.00} on XX/XX/2018 from a company name XXXX XXXX also known as XXXX. I have paid back a total of {$580.00} as of XX/XX/XXXX which comes directly out of my bank account. When I reached out to the company on XX/XX/XXXX to inquire about my balance and the payoff amount they told me if I wanted to pay off the loan on that day it would cost me {$730.00} ( XX/XX/XXXX ). I asked why is the amount I owe double what I borrowed and I had been paying the loan off as agreed and they said it's a default loan re-payment plan and I asked them how can a loan that I am paying as agreed in default and I haven't missed a payment they said it's what was agreed to and I said that's not what I agreed too, I agreed to payoff the loan within 60 days. I asked them if this is legal to charge someone 789.4 % interest rate, they could not explain. I have another payment of {$210.00} coming out of my account on the XX/XX/XXXX and that will be a total of {$800.00}. All I'm asking is to be charged a legal interest rate on the {$670.00} I borrowed that will be paid off within the 60 days from the date that I borrowed on XX/XX/18. I should not be charged a default loan payment on a loan I have not defaulted in. the average legal rate for the state of new jersey is 16 % according to the Usury laws by state. The feasible loan interest and payback should not be {$5100.00} on a {$670.00} loan, this is outrageous and this company should be investigated Please see the lending disclosure. This is my first time taking out this kind of loan it was an emergency and I needed the money for some bills but I should not have to be in debt to a company for a loan that I was able to payback within a reasonable amount of time. I was not fully aware that this company was such a scam. Please help me!
On XX/XX/2018 Around XXXX XXXX I called Bank of America to redeem my XXXX cash rewards. My current statement balance is XXXX the representative told me I could redeem my cash rewards towards my balance. Then I requested to pay my remaining balance of XXXX dollars And some change ( the XXXX rewards money was XXXX and some change ) little I knew the representative told me no I still responsible for the minimum payment which is XXXX. I asked how I am responsible for XXXX when my balance after applying my cash rewards is only a little more than XXXX dollars ... he went on and on I requested a supervisor .... then The floor supervisor before he LAUGH AT ME told me the same thing. After feeling extremely disrespected I also found that their ads regarding " cash rewards usage " its HIGHLY MISLEADING ... .. Bank of America doesn't tell customers that you can not apply your cash rewards towards your balance .... they use it as a credit then in the next statement " '' they still owe you money " '' which appears as what they call a " credit '' .... thus it is misleading that they tell customers " '' YOU CAN USE YOUR CASH REWARDS HOWEVER YOU WANT " '' '' It is just wrong that I owe less than XXXX dollars and they make me pay XXXX to owe me money for next month.
Summit recovery continues to call my business line and leave messages although i have asked for proof of debt in writing. I do not know anything about this debt, they state it is for a payday loan which is illegal in the state of arizona, so I suspect this is an attempt to fraudulently attempt to collect money.
I called XXXX on XXXX/XXXX/15 to ask about packages and I specifically instructed the representative not to pull a credit report from any major bureau such as Equifax , XXXX, or XXXX. I found out the next day that a hard pull was done on Equifax. I filed a dispute with both XXXX and Equifax. Equifax says it was an authorized use of my credit report as far as they know. XXXX has a form that I filled out to dispute the inquiry and have not heard back from. On multiple calls with XXXX, nobody has been able to give me an answer as to the status of the investigation. In fact, I have had more than one person explain that a credit check is not necessary and that the representative should have asked for my permission before running a credit check.
We cosigned thru Wells Fargo for my son. He defaulted because he was out of work for 2 years. We helped as much as we could. Wells Fargo has put a bad debt on our credit as well as my sons. They said that the whole XXXX has to be paid or they wont take it off our credit reports. They will not negotiate for payments my son can handle. We worked our whole life and now ca n't even buy a car
Valley collections mailed a notice initiated from XXXX. When XXXX were called to clarify why Valley collections were utilized to collect the debt, as no invoice was ever received. XXXX the billing manager from XXXX stated the invoice was mailed to an address that had not been current in over seven years. XXXX was asked to rectify the situation, and correct the error. I stated to XXXX that payment would be immediately submitted after the corrected invoice was received. After several months of communications there was no correction made, and the matter was reported to XXXX credit bureau.
Th e Macy 's   XXXX   XXXX  Credit Card account was overpaid  and Citi blocked the account. After requesting a refund, Citi refused to refund citing " security review ''. This is directly violating the Truth in Lending Act : Per regulation Z, 1026.11. ( a ) ( 2 ), Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; Banks are required to refund the overpayment upon request within 7 days.
XXXX has been non-compliant with removing the unverified account SYNCB/CARECR XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that SYNCB/CARECR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
TITLE : Wells Fargo : I had an account with a XXXX ; paying minimal interest rates ; & Somehow I was Coerced to switch those accounts to Wells Fargo, By a banker named, XXXX,XXXX , XXXX , tx, who then opened approximately three other accounts, XXXX, etc ... etc ... Well He painted a beautiful picture, promising a 9.7 % interest on a consolidation Loan, which ended up being 11.0 %, which I am still paying. I spoke to a Wells Fargo agent in XXXX, Va named XXXX, who could not lower my rates. I should have stayed with, lower rates, with my Credit Union ; but, admit, that I was Duped, into these High-Interest rates account, and am drowning with Fees. Is there anything I could do? thanks for your time, Sincerely Yours XXXX
To Whom It May Concern : I received an alert about an account being reported by XXXX XXXX. Please be advised I have requested validation { not verification } of an item reported to Equifax, XXXX and XXXX by XXXX XXXX. I have received a response that clearly violates my rights according to the HIPAA Act of 1996 AND I never received notice how to dispute the debt. Additionally, XXXX XXXX did NOT provide me a HIPPA release for my medical information, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX should this item not be deleted within the required time allowed by law. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$10000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a removal of the reported information expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
I sent a letter to the collector requesting validation of a debt. The information that was provided to me from the creditor is contradicting to that of the credit bureaus reporting. The collection company has failed to correct the reporting on my credit files.
I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT DURING THE EQUIFAX DATA BREACH AND DID  NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS FOR THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an inquiry had been made on XX/XX/XXXX I contacted XXXX/XXXX  and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX they could not verify that the information was being reported. I request that you initiate a REINVESTIGATION into XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was Not Permissable. If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX XXXX