WillisBack/dataset-financial-user-claim huggingface dataset:
This debt has already been paid via my federal tax returns being garnished for the past 15 years, as well as my paychecks being garnished. The initial debt was {$3000.00} for XXXX XXXX training. I am now XXXX years old and retired and this needs to stop!!!!
I filed bankruptcy in XXXX 2015 it was discharged XXXX 2015 there are a few student loan account that shows closed per XXXX still showing open via Equifax due to the recent bankruptcy service thru XXXX. I have contact the company on several occasions was told that they are not able to provide account information due to the recent bankruptcy and that I will need to contact the credit bureau with the issue. I have filed several disputes with Equifax also stating that the information is being reporting accurately. I am requesting that the information for the accounts be reflected the same as XXXX.
My S.S. was used to obtain money from my checking account. I have closed the account and the original debt was written off and then sold to HSBC. I have NO intention of making any payments on this account and have told them repeatedly. Started getting calls from HSBC, XXXX XXXX, about two months ago on my cell phone from XXXX ext. XXXX and XXXX. I asked her to stop calling. Now she is calling my place of employment and leaving message with my Manager that it is URGENT I call her. I called her this evening and said that she is not to call my employer ever again and she started screaming at me over the phone, I could not even talk. It was absolutely disgusting. I couldn't even understand what she was saying half the time she was just yelling and cussing. If it happens again I will record the call and post it on social media.
When we refinanced our home in  2016  to a conventional loan we were told that when we reach 20 % of equity we were going to be able to remove the PMI. When I called to inquire because the PMI continues to show after we reach the 20 % they told me I need to either get another appraisal and request the removal ( which is about {$450.00} for the appraisal ) or wait until the automatic removal when I reach 22 % of equity. Basically I have to pay for the PMI for anoth er five months, w hich anyway is cheaper than paying for another appraisal.
I applied for the XXXX XXXX platinum card two months ago. I applied through a public link and it was said that once I spent {$3000.00} in the first 3 months, I will get XXXX membership rewards points. I spent a lot and in rush on normal shopping and eating to meet the requirement. I just got my points today and I would like to transfer them to a highly time sensitive airline ticket. However, they not only did not allow me to transfer the points but also freeze my whole membership rewards account. I was really frustrated as they promised me to have this XXXX points offer. I applied basically because I would like to use the points for the recent travel. My whole travel plan got destroyed. I paid {$450.00} for the upfront annual fee but received this kind of service and even froze my membership rewards account. I need a resoluton to unfreeze my account and compensate for the inconvenience.
Went to Bank of America on XXXX XXXX XXXX NC on XXXX-19 to cash a check written from a BOFA member to me and was told that they would not cash check unless i opened a bank account with them ... .This was told to me by the intern branch manager XXXX XXXX XXXX 
I told them that i did not want to open a account and that i just wanted to cash a check that was issued by their bank ... ..I was promptly told that if i did not open a account that i would have to leave and they did not honor check that was written to me ....

Can you please tell me if this is even Legal? 
Seams to be a predatory type of banking to me ... 
Thanks XXXX XXXX
To whom it may concern ; This is now my XXXX attempt to get resolution to my multiple concerns. I have already filed ( XXXX ) CFPB complaints ; Case # 's : ( XXXX & XXXX ). First and foremost, whomever is to receive this complaint please read the previous complaints so that you will have a good grasp s to what has been going on these past two weeks. 

I have been dealing XXXX XXXX XXXX at NFCU throughout last week. The last time we spoke was on Friday, XXXX XXXX, XXXX. At that time, he had agreed to at the very least have my 30 day late removed from the credit bureau 's and to find a way to stop additional reporting on the XXXX account in question until the investigation of my complaints have been completed. I told him that I was willing and able to come in to a branch a pay my minimum payments of {$330.00} x XXXX ( XXXX, XXXX XXXX & XXXX XXXX ) to total {$1000.00}. I came up with this amount per the Declarations page line # XXXX. In return, he was supposed to get the authority to have the 30 day late removed and to stop further reporting. XXXX XXXX told me that he had a meeting this past Friday at XXXX EST and that he would be getting back with me after this meeting. I have yet to hear from him concerning the status of everything that has been discussed. 

Furthermore, as of this past Friday, XXXX XXXX, XXXX I called and spoke with XXXX Fraud department to let them know of what was going on with NFCU and that I wanted to dispute my not being late and the effective balance and monthly payment that was reporting to XXXX as inaccurate and additionally based on unauthorized transactions. XXXX at that point filed a dispute on my behalf under the Fair Credit Billing Act which in turn is supposed to immediately stop reporting all data attached to this trade line until NFCU has had an opportunity to investigate further. 

XXXX XXXX is also under the impression that NFCU has up to 60 days to respond to my CFPB concerns, which is false under the circumstances I have brought forward to NFCU. At this juncture, I simply can not understand why I have been dealing with this for the amount of time I have with NFCU and yet there is still no resolution and not even remotely any consistent conversations with me as a customer. I continue to be told that I will be called back with a " status '' but this has yet to happen. 

Unfortunately, today is now XXXX XXXX that is reporting my being late with this account and is the last day that we can move forward without irrevocable harm to my credit. How much effort should a customer have to bestow to the creditor in order to pay a debt that is deemed the ethical and more importantly legal amount owed on a monthly basis? 

XXXX XXXX XXXX
My mortgage was put in to C or lower paper when I had better credit. Since that time, the mortgage was sold and is being serviced by a handling company- Select Portfolio Services Inc . I have made numerous attempts to move to a HARP loan based on the value of my property vs. the current market value. These attempts have been thwarted, as we can not determine who actually holds the loan. This is very frustrating as I qualify for a much lower interest rate over what the current loan is charging.
I was formerly a tenant of XXXX XXXX XXXX. The apartment attempted to illegally evict me ( did not notify me prior to eviction proceedings ). I have fought this eviction through HUD. We went to court against the plaintiff XXXX XXXX XXXX, to which, the case was dismissed at the cost of the plaintiff and no judgement was made against me. I contacted the debt collection company that is now managing this debt, and says she can still pursue collection for damages. They are claiming this is for rent and damages, however, it is an exorbitant amount, one of which I do not owe according to Ohio Law. She said the hearing is separate and they are authorized to pursue collection activity. She said the amount could be adjusted to reflect the amount of monies XXXX XXXX XXXX recuperated after acquiring a new tenant, however, this amount has yet to be adjusted. If the case was dismissed in court at the cost of the plaintiff, how can collection supercede a judge 's decision. Additionally, I have been unable to rent due to this disparaging item on my credit report. I am not seeking monetary relief, solely the removal of this item from my credit report.
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and XXXX XXXX with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I got email this morning from BRINKS Money claiming the following : " We mailed your new Brink 's Prepaid MasterCard ( XXXX ) today! It should show up ( in a plain white envelope ) very soon '' and asking me to activate it. 

At no time I applied for this card. I called them and they said it was just an advert asking me if I want the card or not but there was nothing advert sounding about the email. It is designed to make people believe that they applied for the card because the email expressively stated " You received this email because you have a Brink 's Prepaid MasterCard. We value your privacy and our relationship. View our online privacy policies. If you no longer want to receive feature updates, card benefits, and promotions from Brink 's, unsubscribe or mail your request to XXXX. XXXX XXXX, XXXX, TX XXXX. ''
Transunion is reporting incorrect information on my credit report. I have XXXX accounts with XXXX. ( XXXX ). I have sent in proof from XXXX that these accounts were never paid late and they should be listed as accounts that are satisfactory. I also have XXXX collection accounts on there that do not belong as I was on Medicare at the time and Medicare told me they paid these XXXX bills. Now they are in collection. With this incorrect information on my report is affecting me in obtaining credit and affecting my credit score. I have contacted transunion to dispute this several times and am being told that they can not re-dispute this information. So am I just suppose to have this wrong information keep reporting on my report and have it affect my credit score? This is completely wrong.
1. XXXX XXXX XXXX - Over 5 Year working on my case trying to modify. Ended my wife in bankruptcy in XX/XX/XXXX, but nothing else happened. 

2. Changed Attorney - Tried to talk with the bank again, but I also ended doing bankruptcy in XX/XX/XXXX. 

3. An attorney contact me that he can try to help me even when I already did my bankruptcy and started a new modification on XX/XX/XXXX, but it was denied. Ended up in a foreclosure date XX/XX/XXXX, and my attorney recommend another bankruptcy to stop the sale, and force the bank to do a modification thru the court trustee. I paid for several months to show them I 'm serious about the modification. 
On XXXX we had a telephone mediation with my attorney, the mediator and the bank representatives. Ended in a denial of the modification again, and told us, the investors do n't accept modifications, nor short sale, just foreclosure. 

4. A sale date has been set for XX/XX/XXXX. Last chance I have to save my home. 

The reason I 'm behind, is because I do n't have the same revenue and my wife got XXXX. 

Thanks for your help,
The XXXX XXXX XXXX, XXXX. law firm is representing CACH , LLC in collecting a debt I do not owe. The name on the account is not my legal name and I believe the account was created from identity theft. A judgment for {$160000.00} was granted against me. This has been a series of long and never ending harassment events over the past 2-3 years. I have pending complaint against XXXX XXXX XXXX with the Oklahoma Bar Association for unethical behavior. Also, I have provided a valid and notarized ID Theft Affidavit to XXXX XXXX XXXX, XXXX. law firm. I seeking all monies garnished and collected from me to be returned and release the judgment.
I had a loan being service by LoanCare , LLC ( https : //www.myloancare.com/ ). We paid off the loan by selling the house. 

The closing date was XX/XX/XXXX. Prior to the closing date, We disabled automatic payments on the LoanCare website. I do not remember the exact date, but it was most likely XX/XX/XXXX 

The sale closed on XX/XX/XXXX as planned, and we received the wire transfer on XX/XX/XXXX. I verified on XX/XX/XXXX that LoanCare showed a balance of {$0.00}. 

On XX/XX/XXXX, {$930.00} was drafted from my account for no reason.
Believing this to be an honest mistake, we called LoanCare on XX/XX/XXXX They claimed to not see the payment and requested that we send them a full bank statement to prove they charged me. We refused to give them personal financial information, since they should have record of their own payments in their own system.
We called LoanCare again on XX/XX/XXXXand spoke with an agent claiming she could get the erroneous payment refunded. She requested routing/account number and stated that if she could n't return the money, she would have a check mailed. 

Having heard nothing back, we again called LoanCare on XX/XX/XXXX and requested information on the refund. They claim to have no record of the XX/XX/XXXX call and again demanded my personal financial information to prove their own error. I requested to speak with a supervisor, at which point the agent hung up the phone.
Well, I received a loan from inbox loan company on XX/XX/2018 for the amount of XXXX. At that time I wasnt aware that annual percentage rate was 780 %, Ive made payment my first of XXXX   on XX/XX/XXXX but after that payments have been XXXX  on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and at this rate if I dont pay off the XXXX  plus XXXX Im one full amount i will be making XXXX every other Thursday until XX/XX/XXXX. Ive already paid back more money than i received from them but The payments are becoming a problem and I feel like i was taken advantage of because I didnt know it would be this hard to make balance the payments with my regular bills.
I spoke with Senator XXXX XXXX office and they said that I should file a complain with your department. 

I am writing to you to request your help. My wife and I are attempting to get a loan modification on our mortgage. We completed a trial modification and made all payments on time. When they sent us a final offer, it included the principle balance which was {$360000.00} plus an {$80000.00} balloon payment that covers interest that accrued when I was unemployed. The house is currently worth {$300.00}. I told them that we would accept an offer to pay {$360000.00} with no balloon payment. I believe this is fair as it is XXXX % above market value. They rejected this offer and put us back in foreclosure.
I have had to deal with these people before. I don't know why they keep saying this debt is mine. I have not been in any hospitals since 2009. So this is not my debt.
Contacted the company regarding apparent debt starting in XX/XX/2017. No contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response. I sent validation letters via certified mail to ensure that they would be received. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.
.I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
I have disputed 5 unknown accounts that appear on my Equifax credit report for the past 7 months and they have yet to remove them. I have called and spoke with agents that speak limited English who don't seem to care about my situation. In addition, I have sent in several disputes along with my fraud Affidavit Packet, Police Report, FTC Report and my Notarized Statement and to date no one can tell me why they have not deleted the accounts. Equifax is the ONLY credit Bureau that is reporting the fraudulent accounts and inquiries. 

XXXX Police Report # 's XXXX and XXXX FTC Complaint # XXXX Cfpb Case # XXXX Equifax Confirmation Numbers XXXX XXXX Fraudulent Accounts 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX  XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX XXXX Fraudulent Inquiries XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   Card XX/XX/2018 XXXX XXXX Card XX/XX/2018, XX/XX/XXXX
Through my credit monitoring, I realized that my ex husband had added me on to XXXX of his credit card accounts as an authorized user, he did not ask my permission to do this. I phoned each credit card company, all three removed my name and advised that I should contact each credit bureau, they will investigate ( gomto each credit card company to verify ), then they will delete the accounts from my credit reports. I phoned all three bureaus, all three opened an investigation and only experian decided they were not going to delete the account. Both XXXX and XXXX, confirmed that I am no longer on this account and deleted it. 
My complaint is that experian has this XXXX card account listed on my credit report when I have nothing to do with it. Credit One HAS deleted me as an authorized user and I would like Experian to do the same.
My payroll direct deposit is linked to my American Express Serve card. I receive a payroll deposit on the XXXX and XXXX of each month. When I checked my deposit on XX/XX/2018 my funds were not on my account. I phoned American Express Serve to see if the deposit was received. They informed me that there were no pending deposits on my account and to check with my employer. When I arrived to work I spoke to my principal and found out that in fact the deposit was sent and I have my paystub showing the direct deposit. At XXXX XXXX I received an email from American Express stating my direct deposit had been interrupted and they were trying to fix the problem. It is now XX/XX/2018 and I still do not have my deposit on my account and it is XXXX XXXX. They will not tell me where or when my funds will be deposited.
I, XXXX XXXX, signed my mother 's signature XXXX XXXX for a loan in 2007 that I received during my attendance of school. XXXX XXXX spoke with Key Bank, after discovering on her credit reports, which I was informed they were extremely rude and nasty about the matter that is why she resulted to complaining to the CFPB. I also contacted Key Bank and provided a letter informing Key Bank that I am completely liable for this loan. I am also attaching XXXX of the credit reports my mother provided me, showing that Key Bank has the XXXX account listed on her credit reports three times. She indicated Key Bank has it listed like that on all her credit reports. I signed for XXXX loan with them, so they should not be reporting the account as Key Bank XXXX under account number XXXX, then same account ACS-Key Bank account number XXXX, then a third time Key Bk XXXX. These XXXX accounts are the same XXXX account and my mother has notified them and they still display it as XXXX accounts on her credit reports. Key Bank is dishonest in saying that they tried to contact my mother with no avail, she spoke to their fraud dept. told me that is how they obtained her address in which they did not have. She provided her signature over and over to show that is not her signature, which she is correct, it is mine, XXXX XXXX. I have attached new information and previous information submitted by XXXX XXXX, that she provided me. She informed she is not only mentally exhausted but this stress has taken a massive impact on her health in which I am totally apologetic for. My mother is in the process of obtaining legal representation for Key Bank 's refusal to delete and for reporting the same account three times on her credit reports. Key Bank 's refusal to acknowledge that they have received the documentation to support this debt does not belong to XXXX XXXX. She also said she was baffled why they did not contact her as she has a fraud alert before allowing me the loan. XXXX XXXX never had any knowledge, never received any documents or signed nor did she receive any benefits in regards to the loan. As I have admitted prior, XXXX XXXX XXXX XXXX XXXX XXXX is solely liable. My mother has been through more than enough turmoil. As she stated prior she was dealing with my father and only sibling battling with XXXX and I did not want to ask her to sign for the student loan, so I signed, which I had no right or permission to sign my mother 's name XXXX XXXX XXXX XXXX or provide her information.
I am a victim of identity theft and didn't open this account. 
I am a victim of the XXXX data breach my social security and state id has been compromised and used fraudulently without my permission or consent. I am not responsible for this account or any charges made to it. I demand this trademark be updated and removed from my credit file immediately.
I am two months behind in my American Express payments ( {$3000.00} ) because I am awaiting a settlement check from an insurance company. This has been a stressful and financially difficult situation for me. My next door neighbor who lives in the apartment building I live in just knocked on my door to tell me she received a call from American Express looking for me. In fact she has been receiving these robocalls for weeks and only today finally answered the phone. I have been an American Express Gold Cardmember since 2010. I am completely appalled that they would breach my privacy and call my neighbor. I have no idea how they even got her telephone number. This has to be an illegal practice for American Express to share my financial details with anyone other than me.
I was called today several times from XXXX and they said they were looking for XXXX XXXX, I said that I was he, then the guy threw out a birth date and expected me to verify it. I had no idea who it was but when I said, what can I do for you, he said no it 's what I can do for you. You owe HSN money! I said excuse me, I do not owe them money and he said yes I did and that I needed to pay it. I said no. But then he said I have been collecting debt from deadbeats like you since 1999 and you need to pay your obligation. I do not have any. I asked him to stop calling me as he was calling my private cell and he refused to do so. Then when I asked him to send me a signed contract he basically refused and said I will send you something. Something by law is not a signed contract. I do not owe his company XXXX XXXX XXXX anything. I do not have a signed contract with his company and I will not continue to be harassed by them. When I said you need to stop calling me he said put it in writing. Yeah okay, here it is, in writing an official compliant with the CFPB demanding that you cease and desist with all communication since you have violated the FDCPA by calling me when I asked you not to. I do not want anymore calls from you. I do not want any emails from you. I do not owe you anything so stop harassing me like you did today. You are a 3rd party collection agency and I do not owe you anything. Just because you bought a debt does not mean that I am contractually obligated to pay you anything especially when I do not owe anything to you. STOP CALLING ME