WillisBack/dataset-financial-user-claim huggingface dataset:
I have been provided in trying to settle this account, Account # XXXX - Reference # XXXX - Settlement Amount XXXX. 

I have been in talks with XXXX XXXX XXXX  since XX/XX/2018 and to date my credit report has not been updated correctly to reflect the corrects status on my account. 

XX/XX/2018 - I agreed to the terms of the settlement XXXX offered and I paid the account in the amount of XXXX. I was assured by XXXX XXXX that my credit report would be updated as a settled account with a zero balance within 30 business days. 

XX/XX/2018 - I received a letter stating the account was paid in full from XXXX XXXX. 

XX/XX/2018 I was contacted by a XXXX XXXX from XXXX XXXX XXXX XXXX who was seeking a settlement for the Conns account I had just settled on. I explained I paid the settlement offer through XXXX. Mr. XXXX asked that I send my documentation to him at the XXXX. I did this on the very same day and I have attached the emails as proof. 

XX/XX/2018 I contacted Conns and I spoke with XXXX I explained my situation and she gave me an email address for a  XXXX. She suggested I send her all of my documentation and that XXXX would recall the account back from XXXX and then they could update my credit report. She stated Conns received the funds and proof of my payment from XXXX on XX/XX/2018 and that all that was needed was the account be recalled back to Conns. 

XX/XX/2018 I contacted Conns and they said I needed to call XXXX because they claimed they had no information on this issue. I contacted XXXX   and I spoke with a supervisor and they assured me they had already returned the account back to Conns since they had nothing to collect and I would need to speak with Conns. 
XX/XX/2018 I called Conns again and explained my situation and they stated I should contact XXXX XXXX because she had all of my information. I also told Conns that XXXX assured me they had returned the account to Conns.  I was told Ms. XXXX would call me back and she never called. 

XX/XX/2018 I followed up with Ms. XXXX XXXX via email to which I received no response. 

XX/XX/2018 I called Conns again with my loan officer as a three way call in hopes that having a third party would assist in getting this resolved. My loan officer asked several questions and recorded the call and we were assured this would all be resolved within 72 hours. 

XX/XX/2018 I called Conns again with loan officer as a three way call and we were told this would be resolved within 24 hours. 

I have been dealing with this issue since XX/XX/2018. I would like my credit report updated to reflect this account as settled and has a XXXX balance. I have paid the account per your settlement terms and I have been more than patient while I have been getting the run around from your office.
My identity was stolen a few years ago and someone opened up several credit accounts in my name. I filed a police report and disputed the items with all XXXX of the major credit bureaus. XXXX and XXXX complied and removed the items from my credit. However Equifax has not and I 've been disputing the items for 2 years. They have not proven that the accounts belong to me but they refuse to remove them.
Wells Fargo & Company, has refused to provide me a referral to Identity Theft Assistance Center ( ITAC ). Because I have been a victim of identity theft I have been subject to significant financial problems and expenses as a result of Wells Fargo & Company failing to provide a referral to ITAC. 

I am demanding immediately, that Wells Fargo & Company provide me a referral to ITAC. My phone number is XXXX XXXX XXXX XXXX and Wells Fargo & Company can also contact me via email at XXXXXXXXXXXX, as well as via physical mail to the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX look forward to working with ITAC XXXX an effort to resolve Identity Theft issues and expenses.
I 've had this prepaid card for some time now. I have a portion of my paycheck deposited to it. On Sunday, XX/XX/2017, I went online to make a purchase. The card was declined. I wonder why when I have close to {$1000.00} saved up so I proceed to try a second time. That 's when I reached out to the card customer service. I was advised that my card was at a negative. They went over numerous transactions which I was completely unaware of. I immediately asked them to shut the card down and requested for a Dispute Form so that I could file a claim. I did everything I was advised to do. File a police report and submitted it along with the completed Dispute on the XX/XX/2017. Today, I received the frustrating and disappointing letter from them indicating that the claim was denied because these were face to face transactions and the card was present. This is completely appalling because I had the card the entire time. I was using the card at work when these transactions were fraudulently being conducted some where else. I 've been struggling these past couple of weeks because this is money I put aside for my every day needs as I am a single mother every penny counts. It will be a great hardship for me to loose these funds. I 'd like to file a formal complaint on this company for the way they have handle this situation. Not only was I not notified on time to avoid the loses but now they basically tell me that I have to go out of my way to reach to each everyone of these merchant and try to get the money back when there is more than enough evidence that these charges were not made by me. This is a great discrepancy and they failed to protect the funds that I work so hard to support my family. It may not be big bucks but is my money. Your assistance in resolving this matter is greatly appreciated. 

Below, I have included the fraudulent charges along with prepaid card company and my information : XXXX GA XXXX Dispute Processing Fax XXXX Tel XXXX Mastercard ending in XXXX : Fraudulent Charges XX/XX/2017 {$83.00} XXXX Ny XX/XX/2017 {$150.00} XXXX NY XX/XX/2017 {$110.00} XXXX NY XX/XX/2017 {$150.00} XXXX XX/XX/2017 {$44.00} XXXX Ny XX/XX/2017 {$57.00} XXXX NY US XX/XX/2017 {$13.00} XXXX, NY US XX/XX/2017 {$12.00} XXXX NY US XX/XX/2017 {$15.00} XXXX NY US XX/XX/2017 {$16.00} XXXX NY US XX/XX/2017 {$140.00} XXXX NY US
I have told Las Vegas finance numerous amounts of time as well as my Co workers that I am not allowed to have personal phone calls at work cause I can get terminated..they keep calling telling people I they are from Las Vegas finance.they even called my district manager.on XX/XX/XXXX. They do n't even say it 's a business matter straight to Las Vegas finance loan conpany.even after I 've told them I need more time to pay
OneMain Financial Services kept calling my place of employment because I was behind on the loan I had with them. They were told once by a co-worker I 'm not allowed to have these types of calls, they persisted. They where then told by my HR manager to stop calling here for me, they persisted. They were told once by myself to stop calling, they persisted. They were then told two separate times by my compliance manager to stop calling and they persisted. They have put my job at risk and now have filed a lawsuit against me and are taking me to small claims court. I need help with this situation. Please advise me on what I should do
On XX/XX/XXXX, I made a payment online to HSBC Bank in the amount of {$1300.00} from my XXXX checking account. On XX/XX/XXXX it was credit to my HSBC account and showed an available balance of a little over {$2200.00}. On the same day, my XXXX checking account showed the {$1300.00} had left my account and paid to HSBC Bank. 

On XX/XX/XXXX I wrote a balance transfer ( convenience check ) to XXXX XXXX for {$1300.00}, that were issued to me by HSBC when I first received my credit card with them. On XX/XX/XXXX, XXXX 's stated the check was returned and to " Refer to Maker ''. When I spoke to XXXX 's, they stated that HSBC did not honor the convenience check and to speak with them. XXXX 's charged me {$37.00} for the returned check. I contacted HSBC 's customer service and they didn't understand why it was returned because my account showed I had sufficent available credit to cover the check. They stated that they should that my payment in the amount of {$1300.00} on XX/XX/XXXX cleared and posted to my account on XX/XX/XXXX and that the convenience check written on XX/XX/XXXX to XXXX 's should have cleared without any issues. They stated they would investigate the matter and that they would reimburse me for the {$37.00} returned check fee that XXXX 's charged me. 

After a few weeks with out being reimbursed, I contacted customer service again and was told that even though my {$1300.00} payment posted and was credit to my account on XX/XX/XXXX, that it really didn't clear until XX/XX/XXXX and that is why the check written to XXXX 's on XX/XX/XXXX didn't clear and was returned unpaid. When I questioned them on this they stated that its in my terms and conditions that payments made may take up to 14 day 's to post. I explained to them that my payment didn't take that long and that I have proof from XXXX and my online account with HSBC that shows it cleared and posted on XX/XX/XXXX, they still refused to admit fault and reimburse me for the {$37.00} returned check fee that XXXX 's charged me. 

After that, I requested to speak to a manager 3, being put on hold for well over 30 minutes each time and after being on the telephone for well over 2 hours, they hung up on me without ever letting speak to a manager.
My name is XXXX XXXX XXXX and my daughters name is XXXX XXXX XXXX. We own a single home at XXXX XXXX XXXX, XXXX, PA XXXX at which we reside, XXXX XXXX. XXXX in XXXX XXXX. XXXX name is on the note from Wells Fargo XXXX. 
In XXXX of XXXX XXXX husband, XXXX XXXX, XXXX, and of course that lead to financial upheaval. 
I tried to help her as well as I could but had my own financial debacle in XXXX XXXX thru XXXX XXXX XXXX XXXX applied for a modification three times and appealed. The decisions on XXXX, XXXX, and XXXX were all denied. 
XXXX filed Chapter XXXX bankruptcy on XXXX XXXX, one day before an answer was due for due for foreclosure. XXXX refiled on XXXX XXXX, XXXX was dismissed on XXXX XXXX. 
We received Notice of Sheriffs sale for XXXX XXXX, XXXX. 
Our complaint is that Wells Fargo, et al. used deceptive practices to affect a foreclosure and sale of XXXX XXXX XXXX. They used dual tracking in violation of the XXXX XXXX XXXX XXXX XXXX. The assignment of the mortgage is void under the XXXX and New York State Trust Law, the SEC, and IRS regulations ( tax exempt status can be withdrawn if there are any irregularities in the assignment. The assignment was 8 years after the closing date of the trust in violation of New York State trust law. 
Exhibit 1 Information on trust law ; which verifies the assignment is void Exhibit XXXX XXXX Banks definition of Trustee Obligations ; Exhibit 13 Information on identifying fraudulent mortgage documents ; Exhibit 4 Fraudulent mortgage documents also void by XXXX XXXX XXXX ; Note to Exhibit XXXX XXXX XXXX is a known Robo signer- transfer ( assignment ) was made 8 years after Trust was closed, Exhibit 5 Information regarding a proper assignment with the Declaration on the bottom of the page. 
We have much more information : Start of Application for Modification ( XXXX of them ), XXXX XXXX Notice XXXX XXXX XXXX days after filing Chapter XXXX, Stay of Execution was not filed until 19 days after filing XXXX XXXX Chapter XXXX. 








XXXX XXXX XXXX XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX Same Address XXXX, PA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please call XXXX XXXX for more information or questions We need help
In reviewing my credit report, I 've noticed an XXXX XXXX credit card opened in XXXX 2015. I do n't have an XXXX XXXX credit card and I have not opened any new credit card accounts.
Ford Credit  and  XXXX   XXXX   XXXX  are showing  two ac counts of mine that were paid on time and the balance was paid in full. There was never a late payment made, as the credit report shows. Yet, they are reporting both as  " Closed-Derogatory '' and I h ave now seen a  XXXX  point drop in  my credit score.
In XX/XX/2016, I became aware of some old collection amounts that were generated from an unauthorized user pertaining to the mentioned account. I was told by local police jurisdiction that not much could be done but that I could file an affidavit stating my case for the purpose of record. 
For the purpose of filing a recorded affidavit and attempting to obtain the information necessary, I spoke to XXXX from The Bureaus collection agency on XX/XX/XXXX and requested itemized charges relating to the time period in question. He said he does not have access to the original information from the creditor. To which I asked, how is it then that the credit bureaus keep reporting that your agency continues to verify the debt? His response was that collection agencies and lenders are only required to verify identity and common and general information. Does n't sound like any verifying is really going on at all? Especially in relation to why I am requesting information. 

Nevertheless, I requested the information. He said he could not oblige me. He was only doing his job but did say he could put a comment in for the record ... and he did. I of course still have received anything as of the time of this comment. 
I have subsequently raised the dispute issue with all XXXX credit reporting bureaus requesting conformity in trying to obtain this information as well. My understanding of the attempt to dispute resulted in nothing more than the bureaus validating common and general information of my identity to validate debt ... .and then subsequently standardized a generic dispute response that " creditor meets FCRA requirements ''. 
This process is broken and unethical and heavily favors the relationship between bureaus and collection agencies, lenders and creditors.
I took out loans for schooling when I was XXXX years old. I was an XXXX and left high school with XXXX credits in collegiate courses. As a studious person, I did all the desired paperwork and classes available to educate myself on the process of financial aid. My parents did not have the money to put me through college but were adamant about me focusing on achieving my XXXX. Financial Aid advisors ( both in my high school and my colleges ) told me ( and my parents ) that " student loans are the easiest loans to take out. Even if you have the money, you should take out student loans, they are simple. If you do n't have a job when you get out of school, you can wait to pay them off. '' I took those " authorities '' at their words. I finished my XXXX degree after being enrolled in XXXX schools with XXXX degrees. I was never instructed that there are differences between federal and private loans. I was never told about the differences in repayment and assumed all student loans were equal. It was logical, all my loans ( except for XXXX ) were coming from XXXX XXXX. Now looking back it is insane to me that we are asking XXXX year old kids, with little to no exposure to even running their own basic budgets, to navigate the complicated intricacies of loans and repayment programs. The market crashed in XX/XX/XXXX, I graduated in XX/XX/XXXX. It took me a very long time to find a career and a job where I could afford to pay my student loans. Needless to say, I left school $ XXXX in debt with XXXX degrees, and could not find a job. I had no idea, but interest was piling up on all the loans I had acquired. I have, since then, found a career where I make a good amount of money. However, it is impossible to get out from under the student loan debt. I have paid XXXX of my loans on auto-debit for XXXX years straight. The original amount of the loan was $ XXXX. I have been paying $ XXXX $ XXXX on auto debit for XXXX years. My principal balance is now {$14000.00}. AFTER XXXX YEARS OF PAYMENT. I am frustrated and overwhelmed. It is not SIMPLE interest, like my home loan, but rather compound interest. I NEVER would have taken out student loans if this was explained to me as an XXXX year old. I had to BUY A HOME, to understand the difference between the types of interest. The concept of simple vs compound interest was never explained to me and as a result, even though my salary is high, I have very little ability to pay off these loans. It is a travesty of the education system that those concepts are not explained to people. Even with the salary I have, I am UNABLE to make the payments and as a result, set up for financial failure. How is this fair? I am trying to get ahead but frankly I have paid more down on my house and car in XXXX years than I have in XXXX years on my student loan. Should n't this stop?
Summary : There is a default judgment on my XXXX credit report for a defaulted credit debt that is not my debt. How do I remove it? 

This complaint concerns XXXX businesses : XXXX XXXX XXXX XXXX XXXX ( credit grantor, wholly owned by XXXX XXXX , XXXX ) Midland Funding LLC ( collection agency assignee ) The Law Office of XXXX XXXX XXXX, XXXX. ( legal reps of Midland Funding LLC in debt collection civil litigation ) In XX/XX/XXXX, I was served notice of pending legal suit for a person named " XXXX XXXX XXXX XXXX XXXX XXXX. '' I am not this person. I have never used either name to apply for credit. My name is similar. I was served at my residence. 

Attorney XXXX XXXX mailed to my residence 2 letters seeking settlement of a defaulted credit debt in XXXX XXXX ( prior to suit ) and XXXX XXXX ( after filing suit ). He represented Midland Funding LLC, a debt collector assignee of credit grantor XXXX XXXX. XXXX. XXXX XXXX ( XXXX XXXX ). In XXXX XXXX, Midland Funding mailed a letter to my residence informing me for the first time the existence of this debt. 

I answered the complaint with an affidavit denying all allegations in the complaint, including that I was not the defendant. They served the wrong person. Apparently, a default judgment was entered in XXXX XXXX. Shortly thereafter, the judgment appeared on my credit report. 

I want to get it removed. 

How do I do that? 

Do I have to file a motion to vacate with the court, even though the name on the judgment is " XXXX XXXX, '' not mine? Can the judgment be vacated because the real debtor was never served? 

Do I contact the attorney XXXX, who I sent my certified mail my sworn affidavit denying it was my debt? 

Do I contact Midland Funding, the debt collector? 

Or do I have to go to the original grantor of the credit and dispute everything? 

Should n't Midland Funding, and its Attorney XXXX, be held responsible for ruining my credit possibilities ( I 've been turned down numerous times because of this error )? The judgment is for {$4100.00}. 

Thank you for whatever help you can provide in resolving this issue.
My XXXX XXXX XXXX is under a several recalls for a faulty transmission and door latch. The steering wheel also locked up on me and my XXXX XXXX XXXX daughter WHILE I WAS DRIVING. Hundreds of thousands of these vehicles have been recalled ALSO for the steerign however, mine is currently under investigation by the Nhtsa ( report # XXXX ) to be added to the recall. I work as an XXXX DRIVER and used this vehicle to work and pay my bills. I contacted Chase in XX/XX/XXXX asked for the loan to be cancelled due to XXXX XXXX selling me the car KNOWING it was under a major recall as well as the fact that the vehicle was inoperable. The vehicle steering wheel locked up on XX/XX/XXXX and has not been operable or on the road since. ALL INSURANCE AND REGISTRATION HAS BEEN CANCELLED. 

Chase refused to cancel the loan as well as repossess it. This vehicle is useless and was sold to me under false circumstances. Chase is now contacting my attorney ( fro the transmission defect ) threating to affect my credit score. They refused the resolution I offered and actually were aware of the vehicle defects when they approved me for the initial loan. The vehicle is of no use to me and is currently being held in litigation with the XXXX XXXX XXXX XXXX XXXX XXXX for consumer fraud. 

I feel im being XXXX  over circumstances that are not my fault! I offered a solution and rather than care about litigation or consumer safety, they are trying to XXXX funds from me that I would have otherwise had if my vehicle didn't leave me stuck walking and I was able to make money via XXXX to pay.
On XXXX XXXX 2015, I found my property at ( RCS Account number xxxxxxxxxx ) listed on XXXX for sale. I contacted RCS mortgage Inc on XXXX XXXX 2015 to find out why the home was listed and the representative confirmed that my home was not listed by RCS and he had no knowledge of that action and the listing agent may have independently taken that action. On XXXX XXXX 2015, I contacted the listing agent to remove that property from the website and or all sites that it is listed on because that home is not for sale. The listing agent stated that she was directed by XXXX XXXX XXXX to list the home and the emails are attached ( XXXX Pages ), she forwarded the emails to me and I am faxing to RCS. I called RCS mortgage again on XXXX XXXX 2015 and spoke to XXXX and explained this situation again and she needed me to fax in the documentation so RCS could follow up on this situation, she stated that RCS would send me a letter after receiving my fax with the documents to let me know that status of their inquiry. I have been paying RCS for 4 years, do not understand why XXXX XXXX XXXX is doing any action with my loan. 
I have contacted and reported this action to the consumer finance protection board and contacted an attorney to pursue legal action.
I open a checking and saving account due to there is {$400.00} bonus when I deposit XXXX for 3 month on XX/XX//2018 After 3 month I receive a system email confirming I met the requirement and should be able to see the money within One month. However when I check my bank account after 33 days, my checking account has been closed without my permission.Of course there is no bonus.
In XX/XX/XXXX, XXXX XXXX XXXX provided me with a Lien Release and a XXXX for the Discharge of Debt on my 2nd mortgage. 
Prior to XX/XX/XXXX, I paid the full reinstatement amounts required by XXXX, however, the payments were not recorded accurately or timely on my loan which resulted in additional reoccurring late charges on my account. 
Some of my dates/amounts of wire transfers to XXXX are XX/XX/XXXX for {$1300.00} and XX/XX/XXXX for {$460.00} and {$430.00}. The dates and notices of short sale and foreclosure were also not in compliance with regulations. 
XXXX attempted to rectify the errors by providing me with a Lien Release due to their litany of violations. However, they are still reporting my loan as a Charge-off, with excessive late payments. This Charge-off or Short Sale is preventing me from closing on a mortgage now. The entire XXXX account needs to be removed from my credit report due to their own errors.
I have applied for a loan modification with PNC Mortgage Company and have been denied. This time with no explanation. They have continued to deny my request at every hand. I asked if they could give me a silent second mortgage on the arrearage 3 months ago and they stated no. 
Please assist me in this matter as I am now being forced to file bankrupt.
This company is not licensed in Illinois to collect on a debt. The Illinois collection agency act ( ICAA ) requires that all debt collectors must have a license before being operational. The law also has a clause that regulates how a debt collector contacts a person and how they can communicate with them.