WillisBack/dataset-financial-user-claim huggingface dataset:
Both XXXX XXXX and Bank of America " charged-off '' and " written-off '' my debt. According to the definition of the above it states that both companies Charge off means that the credit grantor wrote your account off of their receivables as a loss.
They have both gotten judgements and put a lien on the title of my home. I am verified XXXX XXXX and this has been communicated to both parties before and during legal action in the courts was taken. I have written XXXX County Superior Court to no avail. Although I do still owe the money, these companies are breaking the law by double dipping. Why the courts protect the big banks over XXXX XXXX persons is a serious injustice and I would like to see accountability in this matter. Part of being XXXX is to say that I am no longer able to work, notwithstanding money is in short supply. As such, hiring an attorney to get these liens off of my title is not an option. Thank you!
Hello, In reviewing my credit report I see that Chase/Amazon Credit Card is reporting a late payment in XX/XX/XXXX. However, during this time I moved residences and called the company twice to have my address change. In the chaos that ensues when one moves homes I did not recieve my bill. In fact they company never changed my address as requested. I have been trying to resolve the issue with Chase directly but I also recieved an email from a customer service rep stating that I signed up for paperless statements in XXXX. I NEVER consented to paperless statements. In fact, in XXXX I was only XXXX and still living with my parents, why would I need paperless statements? Additionally, as I stated up until XXXX and even now, I still recieve paper statements so I am not sure why they are saying that I was receiving paperless statements. I was never late prior to XX/XX/XXXX and I have never been late since. It was an error made by the company Chase for not changing my address. Therefore the credit reporting is wrong.
In XX/XX/XXXX I signed up with a credit monitoring system called XXXX XXXX XXXX. I was able to generate my credit score that month, but the following month XX/XX/XXXX my credit score said unavailable. My card was still being charged so I know it was n't anything on my end. I then called XXXX XXXX XXXX and voiced my concern about the matter. One representative was not sure why that was happening, so she put me on the line with someone higher in rank. That representative told me that my score was going to be back up XX/XX/XXXX. XX/XX/XXXX came and I still did not have a credit score. I then called the three Credit bureaus, XXXX, Equifax, and XXXX to make them aware as well of the issue. They also could not give me a reason why my credit score was and is not available. It is now XX/XX/XXXX, and I currently still do not have a credit score on the Credit Monitoring system, XXXX XXXX XXXX. XXXX  XXXX XXXX, is certain that my score is not available because one the three credit monitoring systems are not generating a score for me. No one that I have spoken with, with either credit monitoring system have given me a reason why i am unable to see my score.
I have a a unverified account from  TRIDENT ASSET MANAGEMENT  #  XXXX . I have never done business with  TRIDENT ASSET MANAGEMENT.  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  TRIDENT ASSET MANAGEMENT Pr ovide 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 ) t he 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  TRIDENT ASSET MANAGEMENT Ce ase and Desist all further communications and collection actives and provide the verification of the purported debt.
I am a XXXX year old widow on a fixed income. I dont know the exact date, but I recently borrowed {$5000.00} from XXXX XXXX XXXX in XXXX Texas using my car as collateral. Without any notice, my payments doubled then someone was sent to my property without any documentation threating to repossess my vehicle. I was verbally assaulted including racial slurs. After contacting XXXX XXXX XXXX office, I was referred to this service.
i wrote a letter to this company dated by in XX/XX/2018 this company failed to respond to me. I've since then reached out the the credit companies and still haven't gotten any where with this debt that is supposedly owed. I don't know what this debt comes from.
TransUnion lower my score 81 points in XXXX despite the fact I been paying on time, no current delinquencies while the other agencies been up. There is absolutely no reason why I drop a whopping 81 to 90 points in a month. Go ahead, review my accounts I even paid a few off. I
Lobel Financial calls me, at minimum, once a day, usually more than once a day. I have told them repeatedly that I am not the person they are looking for so now they call and simply hang up when I answer. So I tried calling them back and speaking to their joke of a legal department and customer service department just to be continually told that they can not remove my number from their system because I can not tell them what account number it 's attached to. Apparently I am supposed to do their job for them????
XXXX XX/XX/XXXX Case # XXXX ( Former case # XXXX I bought 4 tickets to XXXX XXXX ballet as a gift for some children. I thought I was ordering from the University of XXXX box office, but I got mixed up on my cell phone and by mistake I ordered them from XXXX XXXX XXXX XXXX, on XX/XX/XXXX ( XXXX reference number XXXX ). 
I complained about their service fee and was given a small discount of {$43.00}. 
The amount they charged me was {$460.00}. 
I thought that price seemed very high and called the XXXX XXXX XXXX box office and they said the tix should have cost {$170.00}. When I called back to cancel the order at XXXX XXXX XXXX XXXX, they absolutely refused to cancel the order. I called XXXX right away and was told that I couldnt file a claim unless XXXX XXXX XXXX XXXX didnt send me the tickets in time for the performance, to be held on XX/XX/XXXX. 
Fast forward to XX/XX/XXXX. The tickets from XXXX never did arrive and I had to purchase a new set of tickets from the XXXX XXXX XXXX box office for {$170.00}. 
All of this is detailed on my phone call to XXXX when I first made the claim. I think XXXX is an illegal sham. Please help me get my money back. Thank You! 

At this time I was informed by XXXX that it was too late to request a refund!
Midland Credit Mangement reports inaccurate and non-sustainable information after formally requesting by certified mail pursuant to the FTC XXXX XXXX XXXX. XXXX ( a ), to provide any legal instrument bearing my signature which supports the continued reporting of this alleged debt. The company has reported inaccurate and non-substantiated amounts from {$6.00} to XXXX credit reporting agency to as high as {$610.00} to another. Upon speaking with the Company 3 weeks prior I was advised that this company no longer has this account and it was sent to XXXX XXXX XXXX. This company continues to report to XXXX and XXXX
To Whom It May Concern, I have disputed my concern that Experian reporting in my credit report that i have Consumer finance account XXXX of them but it is inaccurate please investigate and remove that inaccurate and false information from my credit repot. I have attache the proof of the fact that is reporting.
XXXX could not provide service in zip code XXXX and told me to change carrier .They gave me settlement figures to pay off phone and close account. 
I moved to XXXX .Then later after some time XXXX charged another {$130.00} and put collection s on my credit report .They can not explain charge .They do n't care and lack honesty .They are too big and important to sort out small problems.They are just greedy for money
I submitted a dispute with all three credit bureaus ( XXXX/Experian/XXXX ) informing all parties such as the Credit Bureaus and the creditor that these accounts does not belong to me due to been a victim of identify theft during XXXX data benches. After notifying the credit bureau via online disputes/phone calls/letter notification I continuously receive notification stating " verify ''. I requested supporting documents from both parties requesting signature, contract, state license information and etc. Under the Fair Reporting Act I understand my rights as a consumer and verify the matching of my name and social does not coincide with verification. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate with accurate documentation be provided. I have submitted a claim with Federal Trade Commission regards to this issue. It is my right If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
I'm trying to get my vehicle returned to me but can not get anyone on the phone or my messages returned. The company is GM Financial
I was contacted by Midland Credit Management in 2014 in relation to a supposed debit owed to a Credit card issued by a XXXX some eight to nine years ago. I do not remember ever being involved in anyway with XXXX and asked for back up showing the debit was valid. They could not provide any proof, however when my employer received a wage garnishment, paid a similar amount to that claimed by a Bank Check. MCM have again contacted me relating that the debit is still valid and want payment of a similar amount.
XXXX XXXX went to a XXXX XXXX bank in XXXX to report a stolen payroll check ( from ADP, INC ) which was cashed with a forged signature. ADP uses a XXXX XXXX account in Arizona. she simply wanted to know, what should she do, and what could well XXXX do to help? The attached PDF describes the visit in detail. 
A notarized Forged Endorsement affidavit has been files with ADP. a XXXX XXXX bank copy of the stile check is included in the PDF. The complaint is for the type of treatment XXXX received, and the lack of profession help from the bank representative. 
Based upon our experience so -far with XXXX XXXX XXXX we have low expectations that our complaint to be taken seriously by the phoenix bank. But we are filing the complaint anyways XXXX XXXX, brother-in law to XXXX XXXX XXXXXXXXXXXX XXXX
United Collection Bureau, apparently calling from the telephone number XXXX, is identified on my XXXX as " Spam caller '', who calls, and never leaves a message except one, when I HAVE picked up, they don't identify their company business or who they are calling for, they ask for " XXXX '' and my name starts with a XXXX, but the only voicemail they have left was that they " have filed a case and plan to proceed ''. This tells me nothing. When I picked up their call they and asked who " XXXX '' is and who they are calling for, they began to get irate with me and hung up the phone on me.
XX/XX/XXXX, I scheduled my mortgage payment thru the biller 's website. Not sure if there was an issue with the site, or the submission just did n't go thru, but my payment never made it to Loancare for XX/XX/XXXX payment. I looked on my browser history and could n't find any information due to my history would only go back 2 weeks. I contacted Loancare and explained that I scheduled my payment, but do not know why it did n't show up. I explained that I was currently in the process of purchasing my new home, so there was no way I would have jeopardized missing a payment and causing issues with my credit. Unfortunately, they did n't want to hear it and told me they could n't do anything and that the 30 day late notice would remain on my credit report. I just retired from the military after serving for 20 years, in the process of getting married and this was going to be our first home together. Because of the 30 day late on my credit report, it dropped my credit score by over XXXX points which has caused me not be able to close on our new home and because I just sold my previous home, I am essentially homeless and can not get approved to purchase or rent another home. The loan payment that was scheduled for XX/XX/XXXX was actually credited to the account on XXXX XXXX, but they would not post it to my principle and interest balance since I was in the process of selling my home. I paid off the entire loan balance as of XXXX XXXX, 2016, but the damage has been done and Loancare would not consider removing the 30 day late even though I know I scheduled the payment. I served 20 years in the military and could n't believe that this company would be so unaccepting of my integrity. I had no reason to miss the payment and my weekly income is sufficient enough to ensure my payments can always be made. Plus the fact that I was in the process of closing on my new home, there too was another reason as to why I would n't miss a payment.
XXXX XXXX XXXX bank issued an unauthorized credit card with no signature on an account. XXXX XXXX XXXX bank submitted fraudulent contracts to support claim. I am a victim of banking " cross sales '' tactics which are illegal and currently under investigation at XXXX XXXX bank.
I have been set up to repay based on income several times and it always seems that either paperwork does n't get mailed to me for deadlines, payments have been taken out twice, payments have n't been taken at all resulting in me having to start over in the rehabilitation programs, I was hounded before I even graduated, and they are saying I owe way more than borrowed. My student loans are double the cost of what school was supposed to cost me.
These people ( XXXX ) call almost every hour from XXXX - XXXX. When I answer the phone, they hangup. They have called repeatedly for two weeks. I looked their number up on google and found out that it is a collection agency for Sam 's Club XXXX
XXXX XXXX XXXXXXXX XXXX ( which no longer exists ) has 4 outstanding loan of mine from the University at XXXX and the consistently refuse to lower the payments, work out any type of income-based repayment schedule or defer the loans in any way shape or form. It's almost criminal they way the operate and the only reason they did not sell off these loans was due to the fact that I had my father co-sign on them many years ago.
I have had issues with Carrington, mortgage ever since my loan was sold to them from XXXX XXXX XXXX. I was never late, upon my husbands illness we decided to do a short sale on the home. We began the paper work in XXXX 2016. Since we are self employed, we sent all the information they requested including an offer on the home. They have continued to request the same documents, ask for things they never requested, ie. signatures on the profit and loss form and so much more. the claim is that hud or FHA is the hold up due to a waterfall process. The home is about to go into foreclosure when it should n't have to with a buyer all lined up. I am at my wits end with this company and will never purchase a home again! I have already made arrangements to move, and the first and second mortgages are about to be four months past due because they are dragging their feet at Carrington.
hi I bank with Comerica Bank for many years and rarely overdraws my account. it all started when I initiated a online transfer for a check I am writing on XXXX/XXXX/16 for {$300.00}. I need to write a check to my acct ending in XXXX that day. Before going to make the payment at XXXX XXXX XXXX, I made sure I transfer the funds from my acct ending in XXXX. I thought all is done and set. When I sent online to check my account, I notice that my acct XXXX is overdrawn. My transfer on XXXX/XXXX/16 seems like it never happened. I notice that there were 3 overdraft items instead of just one. I ponder on that as how could that be?!?! I did a couple of online bill payments on XXXX/XXXX/16, but it did not leave the account until XXXX/XXXX/16. I know this because I see it have already deducted from my account that morning when I did the {$300.00} transfer. I did the transfer at exactly XXXX that day. I called customer service to make them aware of my situation with their online system. Of course they say they do not see any issues. I point out to them that there is because I did the transfer and it did not show and also the mobile system is out of whack. its showing that transaction are being done on weekends. They refused my explanation and refuse the refund. Then I ask them why I was charged 3 {$33.00} fee instead of 1? I notice from my transaction history that it seems like all the transactions were aligned that the biggest item paid firest rather then by the time they are presented like most banks do now. The rep said that it is Comerica 's policy to align the biggest items first. I feel that 's their policy to make more money from their most unfortunate clients. Please take a look that this policy as I strong feel that this is not the right thing to do especially when I paid the other XXXX small items 5 days ago. please contact me if you have any questions or any proof. thanks XXXX XXXX XXXX
Credit Bureaus XXXX XXXX XXXX XXXX XXXX Santander Consumer is showing inaccurate and erroneous information. It has labeled my account as a charge off. Accountbwas current and used as a trade in witbanother auto company. Would like this deleted. 

Please have them send me an updated credit report once removed to the below address. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX
I attempted to resolve the XXXX fee on my checking account, in the past transactions Wells Fargo Bank explained there will no fee to my account if there was a negative transaction because I am not enrolled in the Over Draft Protection. In addition the bank charged me a pending/posted transaction that was made a week prior to my charge in which allowed my account to further go into the negative. That is a major cause for the XXXX fee. The representative where very rude and explaining a policy that had nothing to do with the charged fee. I am submitting this complaint in regards to false information given by Wells Fargo.
An unauthorized transaction was allowed to be processed by my financial institution, JP Morgan / Chase Bank, with incorrect account information. The merchant, XXXX, submitted a transaction for {$53.00} with incorrect street address, city and ZIP code however when I contacted Chase Bank to inquire I was advised that " certain merchants have very low account validation requirements ''. I asked for this charge to be disallowed and was informed that my entire life would have to be turned upside down with the closure of my card due to the fact that Chase Bank has failed to protect my account / monies by indiscriminately choosing which merchants can process transactions without having to validate that it is authorized by the consumer, i.e having the correct information of the account they are trying to process. I do not believe that there should be arbitrary account validation requirements that put the consumer in jeopardy of fraudulent activity or that JP Morgan / Chase should have the right to " decide '' which account transactions " look good '' based upon prior account activity when the account information which has been submitted in conjunction with any transaction is incorrect. The only recourse I was offered was to cancel my card and file a claim for a fraudulent transaction when it was the failings of JP Morgan / Chase to ensure that the information provided was accurate and complied with what any reasonable customer would assume to be standard security procedures when it comes to account security.
Experian the credit reporting company does not have live agents at any of their phone numbers XXXX, XXXX, XXXX ... regardless what combination of options you choose in their automated system. 

The only time I ever spoke to a human at Experian was several years ago when I joined as a consumer and had to pay a monthly fee. IT took an act of congress to cancel the membership a few years later, and after that, i have never spoken to a human on the phone. 

Experian has reported the incorrect address for me and I would like to get it corrected. Also I would like to unfreeze my account so I can apply for credit as their automated system online is also not letting me do this.
Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX  XXXX
In XX/XX/XXXX, Me and my roommates rented an apartment from an agency called XXXX XXXX XXXX XXXX located in XXXX Colorado. The apartment we rented was an old one, with a lot of issues and an old carpet. After our one year lease ended up, we were surprise by the rental management office not even giving us our deposit, but also charging us with an amount of {$2400.00}. After we contacted the XXXX XXXX XXXX office, they said that we have to pay for a new carpet, and fix all the issues that the apartment had when we moved there. The apartment was build in about XX/XX/XXXX. 
I think we were victim of such unprofessional act from XXXX XXXX XXXX, and I wish your office get involved to get me and my roommates our right back. the agency filed a collection, so now my credit score get hurt. 
The apartment is located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX.
I am disputing a bill from XXXX and working to resolve the issue with XXXX. XXXX turned the b ill over to IC System, which called and wrote me. When I tried to call the number on IC 's letter, there was no answer. The company called several times but I told them I was disputing the amount with XXXX. Thereafter I have received as many as four calls a day, some late evening, from robocallers : no one answers, no human calls. I have a list of the numbers.
XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from XXXX XXXX XXXX for ( Acct # XXXX ) demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. 
According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.