WillisBack/dataset-financial-user-claim huggingface dataset:
I was trying to make a high ticket purchase and was advised that I have a judgement from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I closed a XXXX XXXX account I had back in XXXX. To my knowledge it was in good standing. I used the checks from that to pay my rent. After moving from NJ in XXXX I have been in contact with my previous landlord and the last check I wrote them for my last month of rent went through fine. Since I no longer live in NJ I never received the correspondence from the court regarding that lawsuit when it was sent out. I contacted the courts and was provided copies of the documents that were submitted. In these documents there is nothing showing how the account became overdrawn or delinquent. I was expecting a statement of some sort from the bank showing the fees but there is n't one. I did not receive a call from the bank to notify me that the account was overdrawn or a letter. To my knowledge the collection agency, Retail Recovery Svc NJ Inc, did not contact me either. My phone number has been the same for many years. on XXXX XXXX, I called XXXX XXXX customer service. They were not able to pull up the account. I was transferred to the collections department and they were not able to view the account. I spoke to someone in the department where XXXX accounts are handled and they could not pull up the account. Eventually, I called the executive office and was transferred to someone 's voicemail. I left a message and have not heard back from her yet. My main concern is that all of this may be due to fraudulent activity. I feel like I am being forced to pay for something without solid documentation. I contacted the attorney and the only thing he wants is money. At first I was going to just go ahead and pay the attorney {$1000.00} but that 's a lot of money to pay out and not know what is going on. How do I know if this is n't due to the fraud that took place at XXXX XXXX?
I recently tried to open up an bank account with Wells Fargo but my application was denied so now Im trying to understand and figure out why??.. .I was also told by Wells Fargo that they could not provide specific reasons as to why they have denied my request. The only information they could provide me with was a XXXX number and told me that if there is anything on my consumer report that is inaccurate that I HAVE THE RIGHT TO DISPUTE IT.
I have requested the below-listed problems be fixed several times. The  Cre  dit agencies and letters and telephone calls in vein to the Company reporting  the trademarks in error. Every trademark being reported has errors listed, The most serious, is  XXXX , and   XXXX   XXXX   XXXX    XXXX . They are reported as being in collections, payment status is still listed incorrectly today. The Trademarks have been paid in settlement and paid in full,  XXXX /2015, respectively.  See Attched documents : There are four more Trademarks with issues listed on each Credit repor t.   XXXX   ENCL 1 : Disputed items ENCL 2 : Copy of how I want item fixed ENCL 3 :  Letter, Payment etc. Bach-up documents for my claim
A collection agency added a report to my credit report including XXXX, XXXX, and XXXX. I do not owe this company any money. Contract was broken by the original company. The company posted on my credit report with out contacting me about the debt. Broke laws by FCRA and FDCPA. This company has not validated any debt. They have n't sent a copy of validation. They have broke laws. There is no copy of my signature stating I owe this company any money. I demand the company have this file deleted from all three credit reporting agencies.
XXXX XXXX XXXX Hospital in XXXX XXXX Colorado flatly refused to submit a request for payment to XXXX, even though it was thoroughly explained it was set up as a secondary form of payment. Previously they have a debt that was paid by workmens compensation as still owed also. 
They were repeatedly told to take this matter to the XXXX county court if they wanted to prove their claim, and neglected to do so. 
State Collection in Wisconsin then made false claims about owing this debt, and was also informed about their " CLIENTS '', willful neglect to use the proper channels to answer why they neglect to submit payment to an authorized provider. and to take it to the proper court in Colorado, if they wanted to establish any claim, and they also neglected to obey the law, instead slandering me with their coconspirators XXXX and XXXX, whom willfully and knowingly post these slanderous statements, even though they were informed about this failing to follow the requirements of the Law.
XXXX I owed a payment {$280.00} and made the payment late! XX/XX/XXXX made {$400.00} payment. XX/XX/XXXX. I made {$250.00} payment. I received XXXX statement shows my {$250.00} payment but not my {$400.00} payment. I called this Saturday which was I believe XX/XX/XXXX spoke with XXXX customer service gave me the run around spit my {$400.00} payment. I then asked what was my balance when I made the {$400.00} payment. She responded by telling me my payment was late. I repeatedly asked why my XX/XX/XXXX billing does not show {$400.00} payment on this statement. Assistant is needed to obtain a response to my concerns. I requested she email me the breakdown. Never sent my request
XX/XX/2016 mailed validation request to Stellar Recovery Inc . They have not responded and the account continues to be reported to credit bureaus.
I graduated from XXXX XXXX University in XX/XX/XXXX and then moved to XXXX to begin my career in XXXX as a XXXX XXXX XXXX XXXX in XXXX. When summer rolled around and my student loan payments became due they were more than I actually took home monthly. I contacted Navient and was told my only option was to put the loans into forbearance. Which I qualified for because of my low income status. While in forbearance the loans would continue to accrue interest and I would not be eligible for the federal student loan forgiveness programs because I was not making a payment. This continued from XX/XX/XXXX until XX/XX/XXXX years ago when I was informed by a colleague at work that I could qualify for an income based repayment option. Turned out due to the high cost of living and the low XXXX  salary in XXXX XXXX my payment is {$0.00} per month. As a XXXX in a XXXX XXXX XXXX working full time I qualify for the Federal Public Service loan forgiveness program ; which I am signed up for now. This program requires 120 payments on the loans ( 10 years of paying monthly ) and then the remaining balance will be forgiven. Even a {$0.00} payment qualifies, this program was designed specifically for state and government workers whose jobs require higher education but the salary is typically low. I spent fromXX/XX/XXXX until XX/XX/XXXXon forbearance and none of that time counts towards forgiveness. I am very angry because on several calls I asked specifically for help in the monthly payment and for information on loan forgiveness and was told forbearance was my best and only option. So now I have to continue accruing interest and making the adjusted payment for another 8 years, when if Navient had offered me the program I asked for to begin with, this year would be the end of my student loans. I love being a XXXX but the only way to maintain my license and to increase my pay is with continued education. I have to use the federal loan service to continue my education and advancement in my career. But I have over 100,000.00 in loans and at this point I was not even able to buy a car or to be part of the mortgage when my husband and I bought a home. I was naive in the thought that because it was a federal loan the servicer would want to offer me the best options and I am very angry that this company has put my family into financial strain. I am sure there is no way to get back the time that navient took from me but there should be compensation of some kind at least in the interest amount that was collected.
On XX/XX/2018 at XXXX XXXX  I received a phone call from a local XXXX area code from a woman claiming to work at M & T bank. She let me know of some suspicious transactions on my checking account, and asked if I had made these purchases. I let her know that I did not and confirmed that I wanted my debit card suspended. At that time she verified my mailing address to have a new card shipped out. I checked my bank account following this and saw 4 separate deductions all around the amount of {$97.00}, three right in a row and one shortly before this. The conversation led me to believe an issue had been identified, but had comfort in thinking this was being handled and resolved. 

On XX/XX/2018 I called to inquire on the status of the debit card and fraudulent transactions and was told that the debit card had been sent, but to the wrong address, and that nothing was happening with the charges.The representative was not able to see the initial conversation and didn't seem to know what I was talking about. After several minutes, I was told that I had to come into a branch to request a new card be sent and that I would receive paperwork to dispute the charges within 90 days.I did this shortly after the phone call and was told a new one would be here by Friday. Today in checking my account I saw that another 2 fraudulent withdrawals are pending. As of now, there are 6 charges all ranging around {$90.00}, plus 7 {$2.00} " international fees '' from the " XXXX '' and " XXXX XXXX  '' company. This totals XXXX. I've been told that I can have a " credit '' for the amounts taken until the bank is able to resolve the dispute. This was good enough until two additional charges somehow processed. This should not have been possible, so I'm not sure at this point how many mistakes have been made by M & T, but it's clear that they've made numerous. 

This entire situation was severely mishandled, if handled at all and I am truly appalled by this. I've been a loyal customer to M & T for years, but now feel that if they can't protect a few hundred dollars in my checking account, they can not ensure the safety of the large sum of money I have with them in savings. This started with M & T going out of their way to notify me of suspicious activity, but has resulted in extreme inconvenience because I now, for some reason, have to manage the entire situation. 

All accounts will be closed from M & T ; they have lost a valued customer because of this horrid example of professionalism and protection. We are looking to purchase a home and considered M & T as a potential lender, but now have absolutely no desire to entrust our finances with this entity. I will ensure that everyone I speak with knows the poor quality of data protection and security M & T provides.
A man by the name of XXXX XXXX contacted me regarding a debt owed saying it was from XXXX XXXX XXXX for approximately XXXX. This man ID Himself as a detective when he is really a collections agent and stated that I missed a court hearing for a civil suit that was filed against me and that if I did n't pay the moment today a bench warrant would be issued for my arrest and I would go to jail. He also threatened my liscense being suspended and wage garnishment. I want my account removed from this company and k want the harassment to stop. This man did not validate my debt read me the mini Miranda advising me of his attempt to collect a debt and would not provide me with there companies address. I found out through XXXX XXXX XXXX that they sold the debt to debt management partners LLC who sold it XXXX that they are the ones with the debt.
XXXX is trying to collect a debt they bought from Capital One and they are no longer Licensed to operate in the state of Missouri
I have an unverified account from Calvary Portfolio. I had previously disputed this account. I have never done business with Calvary Portfolio. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Calvary Portfolio provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Calvary Portfolio Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I HAVE BEEN TRYING TO GET MY MONEY BACK FROM THE CREDIT CARD COMPANY CHASE BUT WHEN I CALLED THEY NEVER HELPED ME WITH ANY OF THESE TRANSACTIONS. I WAS CHARGED 3 TIMES FOR CHARGES I HAVE NO IDEA WHO THESE COMPANIES ARE AND NEVER AUTHORIZED ANY OF THESE TRANSACTIONS. MY ACCOUNT IS NOW CLOSED AFTER ME HAVING TO PAY FOR THESE TRANSACTIONS I NEVER MADE. PLEASE HELP ME. I WILL LIST THE DATES AND AMOUNTS OF CHARGES THAT WERE FRAUD ; XX/XX/XXXX XXXX XXXX XXXX CARD LAST FOUR-XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX CARD LAST FOUR-XXXX XXXX XXXX XXXX- XXXX XXXX  LAST FOUR-XXXX ALL THESE CHARGES ARE NOT MADE BY ME AND ARE FRAUD, PLEASE HELP ME GET MY MONEY BACK
I paid off a collection account from XXXX XXXX XXXX. XXXX sent me a letter stating the account was paid in full and would be removed from all XXXX credit reporting agencies. 
XXXX and XXXX removed the account automatically, Equifax did not. I contacted XXXX again and they said they would request the removal again. It still was not removed so I submitted a dispute with a copy of the letter that stated it was paid in full and to remove it from my credit report. I just got back the results and they updated the account to paid but it is still on my credit report. I called XXXX and the Rep said they could not make any further changes even with the letter.
In XXXX, I defaulted on a credit card with XXXX XXXX. I was out of work and unable to make payments. The account was sold to XXXX XXXX and I was able to bring the account current. in XXXX and make payments, when I could. In XXXX XXXX, I was advised by a representative at XXXX that if I paid a settled amount, they would do a pay for deletion. They advised me that once payment was recieved, they would clear my credit bureau of the collections as well as contact the original creditor, XXXX XXXX, and have my credit history corrected. I made the payment and was advised that in 30 days, the update and deletion of my negative information would reflect on my credit bureau. As of today, it has not. I have made numerous calls to XXXX and everyone there states they will not be removing the negative information. They " apologized '' for the misinformation from the representative that advised me of this. I have also contacted XXXX XXXX and they have advised they were never advised of this practice that XXXX lied to me about. I have disputed with all XXXX bureaus and XXXX will not removed. I have also sent numerous letters to them and either I get no response or a letter stating that the information will not be updated. I feel as though XXXX lied to me in order for me to pay off a balance in full.
This is reference case # XXXX. I did n't know how to amend the complaint with additional information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned their Mortgage to Bay View Loan Servicing, LLc, and it was recorded. 
Bay View Loan Servicing LLC. assigned the Mortgage to XXXX XXXX XXXX XXXX. 

The assignment was not recorded with the register of deeds. XXXX XXXX closed our acct. as their lien was extinguished. However when a title search is conducted, Bay View shows up as a lien holder on the property. We can not get a loan or sell the property with this showing up on the title search. 
Please, how do we rectify this? The Lien is Extinguished.
In  XXXX   XXXX  I gave verbal notice that I  would need to move to a smaller apartment, I was approved for a 1bedroom and I was living in a two be droom. In  XXXX  I gave written notice that I would be moving at the end of my current lease (  XXXX / XXXX / XXXX  ). On  XXXX   XXXX , I received a  24hr notice  on my door. I moved out, leaving the apartment clean and empty. Because the office was closed, I returned the keys in the mail drop, the office staff was in  XXXX   XXXX . I was having financial trouble and was behind on my rent. I was able to pay all but  XXXX  before I left. My deposits of  XXXX  were returned to account.   After I left I received a bill stating that I was still on a lease that had 8 months to go and that there were other charges as well including lawyer fees. I proved the lease was up and that I had notified them in writing properly before leaving. The 8 months were removed but the other fees remained. I have the lease and the customer accounting sheet showing payments and charges.   The original company was sold for bad management and all staff fired but the collection company refuses to correct it. I have been trying to get this removed since that time.
The name XXXX XXXX is listed on my credit report and an address in XXXX. My name is XXXX and I have never lived outside of the state of XXXX. I also do not have XXXX credit cards
I have a credit card through USAA and the Master Card payment can be done online. I made a payment and I was charged XXXX thus leaving me with a {$1900.00} and change credit which subsequently created an overdraft because I also have pulled {$6700.00} out to buy a truck. I have been speaking to several respresenatives XXXX, XXXX, XXXX, XXXX and a few others I can not remeber and still can not seem to get a hold of anyone who can give me a straight answer with realistic expectations. I 've ask to speak with management and was then transferred to USAA 's Executive Resolution Team who still couldn'y help. I asked to just speak with a manager and was told that was a 24 hour wait time, I suppose because at my point I 'm extremely irratated. I believe if USAA has the ability to accept an electronic payment or take money out of your account under their direct payment options, yet they claim they can not reverse the payment. So if an error is made regardless of the facts or situation, the customer will have to wait XXXX to 10 business days to be refunded the money. So fortunately I have savings, but what happens to the individual who gets this error and they do n't have money in the bank? {$1900.00} is many families two week take home pay check and USAA believes families can just skip a pay check! Worse during this process USAA has called " today '' and told me the card was compromised and has been locked so I can not even use the card to get the credit off the card. Lastly my bank charged me an over draft fee.
LVNV Funding LLC sent me papers with a Writ of Garnishment. They attached court papers with XXXX XXXX XXXX, XXXX as the plaintiffs from 2010. I do n't owe any of these companies and was never served any court papers. I do n't make a lot of money and barely make ends meet with my bills. I take care of my retired XXXX year old mother. Garnishing XXXX % of my paycheck will break me. 

I would be grateful if you guys can get these people to stop harassing me. Thank you!
Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this XXXX debt is not mine.
XXXX XXXX XXXX on my XXXX credit report has the inquiry date of XXXX/XXXX/XXXX. The only date that I went to the car dealership of XXXX XXXX XXXX was on XXXX XXXX XXXX. This is inaccurate information.
After doing business with them for many months, Coinbase now refuses to authorize my ( previously valid ) account and claims that my address is invalid, when it in fact is not. They have effectively locked in excess of {$17000.00} of my personal funds and deny me access to it. I can not trade, buy, sell, or transfer funds from my account to my previously validated bank account. I believe this is an intentional policy, designed to manage cash-flow.
I have contacted XXXX XXXX, Equifax, XXXX, & XXXX each with separate letters describing all the information that is incorrect on each of my 3 individual credit reports. 

I sent the first set of letters over 70 days ago, to each of the bureaus, with no response. 

I sent a second set of letters over 31 days ago, again with no response. 

Showing in detail the Inquiries that are fraudulent, the accounts that do n't belong to me and addresses, phone # 's, and Names that are not mine. 

I also sent copies of my SS # My AZ state ID, and a current household bill showing my Address. 

Despite each of the Credit reporting agencies placing a " Fraud Alert '' on my account, without me asking. They have not removed all the incorrect information, and they have not provided and signatures showing I have an account or a contract with the Companies in question. 

I feel this is a serious abuse of my legal rights and I am hoping to find some resolve with this complaint here and now. The following are all the misreported information on my 3 Credit Reports. 

The following are miss-reported and or 100 % inaccurate Inquires Alleged by EQUIFAX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Inquires Alleged by XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Inquires Alleged by XXXX ; XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Names Alleged by XXXX ; XXXX XXXX XXXX The following are miss-reported and or 100 % inaccurate Phone # s Alleged by XXXX ; ( XXXX ) XXXX, ( XXXX ) XXXX The following are miss-reported and or 100 % inaccurate Addresses Alleged by XXXX ; XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX The following are miss-reported and or 100 % inaccurate Accounts Alleged by XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Court Records Alleged by XXXX ; Arizona Federal court-XXXX Bankruptcy XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Court Records Alleged by XXXX ; Arizona Federal court-XXXX Bankruptcy XX/XX/XXXX
Three attempts have been made via certified letters asking for validation to debt, according to Fair Credit Practice Act, with evidence of signature that I owe stated by XXXX XXXX XXXX The debt collector is stating that I owe them {$160.00}, they sent more " debt owed '' letters in attempt to collect and sent a itemized statement that is not valid and does not constitute verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. The attempts were made to remove their information from all three credit monitoring agencies.