WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX. On XXXX/XXXX/XXXX I received a Motion for Default to XXXX XXXX. On XXXX/XXXX/XXXX I filed a Motion to Deny/Set Aside Default within 20 days. 
XXXX. On XXXX/XXXX/XXXX I received from attorney a Memorandum with Return of Service from XXXX XXXX XXXX time ever seen this document ), the Motion for Default and the Affidavit for Non-Military Service. This documents states that papers were sent to XXXX address, when in fact they were sent to XXXX address ( envelop say XXXX thing while but actual documents differ as far as the addresses ). 
XXXX. On XXXX XXXX, while attempting to buy a car and got denied, I saw my credit report and noticed the Default Final Judgment on XXXX/XXXX/XXXX had been granted. Up to this point attorney has not send me notification of such Judgment, especially since I put a Motion to Deny/Set Aside the Motion to Default 3 weeks before. 
XXXX. On XXXX/XXXX/XXXX I filed a Motion to Vacate Final Judgment. 
XXXX. One week later XXXX/XXXX/XXXX the attorney finally sends me a copy of the Default Final Judgment when he received my Motion to Vacate the Default Final Judgment. Apparently this case went to trial on XXXX/XXXX/XXXX behind my back, never having gotten served or gotten a subpoena. I was never notified to defend myself as it is legal and proper. In addition, a Judgment was placed to my homestead property, which is illegal in Florida. This tactics to sheet people out of the little we have should not be tolerated in any setting. 
XXXX. On XXXX/XXXX/XXXX attorney did not show up to court in reference to my Motion to Vacate Judgment, apparently address was wrong. 
XXXX. XXXX hearing was set for XXXX/XXXX/XXXX attorney did not show up again and the Judge Agreed to Grant me the Order to Vacate Final Judgment, thus ruling in my favor. Judge was to set a new trial date for XXXX/XXXX/XXXX. 
XXXX. On XXXX/XXXX/XXXX Attorney sent Requests for Production, Admissions and XXXX Set of Interrogatories to the XXXX address. 
XXXX. On XXXX/XXXX/XXXX I requested that the attorney send me Validation of Debt in order for me to be verify if the debt belongs to me and be able to fill out his Requests from item # XXXX above completely. My letter specified that the next communication the attorney have with me, is to provide me with validation of debt. 
XXXX. On XXXX/XXXX/XXXX I received again the same package from item # XXXX to the XXXX address but the Notice of mailing states that it was sent to the XXXX address. The attorney completely disregarded again my request for validation of Debt. 
XXXX. So on XXXX/XXXX/XXXX I requested yet again, for Validation of DebtXXXX. As of today XXXX/XXXX/XXXX I still have not received Validation of Debt from the law office of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, FL XXXX. 
Although I receive mail to XXXX addresses, this law firm 's paperwork are conflicting from what the envelops state. They never served me and completely went behind my back in a sneaky way to file a judgment against my homestead property. They failed to notify me of the events that occurred in a timely, professional, ethical and illegal fashion. They also fail to verify the debt as belonging to me after multiple attempts on my behalf.
i am attempting to manage and restructure my debt and budgeting and capitalone is refusing third party access to my accounts that i am trying to grant. every other account of mine has provided access - i was directed to file this complaint by my third party planner to hopefully rectify the issue.
Myself and wife had  XXXX   Federal  Liens on our credit report. The IRS withdrew them on  XXXX / XXXX / 17  and  XXXX / XXXX /   17  and filed notices of withdrawal of filed  Federal Tax Liens in th e  correct county.  We disputed with  XXXX  the tax liens and sent copies to have them deleted since they were withdrawn. The first time they " verified '' them both and then on reinvestigation corrected only  XXXX  and still reported the  XXXX / XXXX /   17  tax lien as " verified '' again. We have done this process twice once for myself and once for my wife with the same results.  XXXX  used a third party vendor for their information, LexisNexis.  XXXX  is ignoring  our Lien Withdrawal.    Since our state is included in the  XXXX   XXXX   XXXX  settlement and  Federal Tax Liens are t o be deleted we find this conduct very irregular.
Wells Fargo reported on my credit report falsely. They claim I had a missed payment of {$0.00}. I want that removed, since I never had any missed payments.
Since XXXX of 2017 I have trying to re finance with Nationstar Mortgage. Loan # XXXX. I have repeatedly sent and resent the information that they have requested. The answers that I get are we are working on it. The contact person at Nationstar is XXXX XXXX phone # XXXX. This is now into the 8th month. Please help XXXX XXXX XXXX XXXX
On XX/XX/XXXX I faxed a letter to Equifax because I noticed unauthorized and fraudulent credit inquiries made by the following companies 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX I asked for validation of this information with these companies and asked that they provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also requested, in the absence of any such documentation bearing my signature, that these fraudulent inquiries be immediately deleted from the credit file they maintain under my Social Security number. After receiving no response, on XX/XX/XXXX I sent a second letter via certified mail. On XX/XX/XXXX I received a form letter stating why companies access credit information.
This seems to be the only way I can get a response out of Wells Fargo, I do n't have access to my account, I have tried writing to the following email address they gave me : XXXXXXXXXXXX but I never get a response. I have tried TTY and using an IP Relay but we either get disconnected, ca n't get through to a person, the customer service agent does n't quite get IP Relay or gets frustrated, etc It 's a never ending stream of problems trying to contact Wells Fargo. I 'm XXXX and XXXX, whenever possible I prefer online correspondence but Wells Fargo is n't on board with this century I guess. In any event in XXXX 2017 I opened an account with Wells Fargo because of a promotion they were running, in XXXX 2017 I got a settlement check from an ADA lawsuit, it was too large to do via mobile deposit so I sent it to a friend to deposit on my behalf because there is n't a branch anywhere near me, I ca n't drive/do n't have a car, getting out is extremely difficult, and so on. So far no problems but then without warning Wells Fargo freezes my account with no explanation as to why, I ca n't get through to find out how to resolve it, I have offered to send them my SS, birth cert, bills with m address, etc, whatever they may need to identify me but the few times I 've gotten a response via BBB or letter in the mail they only say that they ca n't help me until I come in. Even though I have explained over and over again that I PHYSICALLY can not come in, it is an impossibility and they have offered zero alternative. Because of the numerous problems I have requested that they send a check for the remaining amount in my account ( {$4000.00} ) and close the account. I paid a guy {$50.00} to come to my house and notarize all of Wells Fargo required papers to close an account without coming in. Exception Payments contacted me via mail to tell me that more information was needed, they suggested I either come in or contact at XXXX, as explained multiple times over there is no way shape or form that I can physically go in to a branch so I tried calling the number via IP Relay and could n't get through to anyone. I have mailed them a close request once again, it was sent with the notarized form that they require, as well as a copy of my XXXX ID and birth certificate. What they are doing is wrong on so many levels, I 've never had so many problems with any bank or institution. <P/>I just want my money sent to me and the account closed, I have no intention of ever doing business with Wells Fargo ever again.
XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit Experian verifies the debt sure the have my ss # and address that does not mean they can report an old debt
In XXXX 2014 I became a XXXX American veteran, which granted me a tax exempt status for paying escrow taxes on my mortgage. My mortgage company is LoanCare. I have repeatedly sent them letters ( XXXX to date ) to contact my local tax assessor office and to cease paying tax escrow. To date they have refused to respond, nor have they stopped taxing me. Thus far I have paid hundreds of dollars into tax escrow that I am legally exempt from.
I filed bankruptcy on XXXX XXXX, and my mortgage loan with XXXX/XXXX was reaffirmed. 
Since XXXX XXXX, I was unable to pay for my mortgage due to financial difficulties. XXXX XXXX XXXX reinstated the mortgage loan since XXXX XXXX. 
I have been paying on time my monthly mortgage of {$3400.00} since XXXX XXXX. My current balance is {$460000.00} with an adjustable mortgage loan. 
I have been contacting XXXX XXXX XXXX to report my mortgage loan to all the credit bureau and they are refusing even though I provided them a copy of my bankruptcy report. My lawyer also contacted XXXX XXXX XXXX to explain to them that my mortgage loan is a valid debt and was reaffirmed. 
It is now impossible to refinance with XXXX XXXX XXXX or any lender for that matter. 
I am please asking you to help me resolve this issue with XXXX XXXX XXXX. 
Thank you for your cooperation and understanding.
I lost my job in XX/XX/XXXX, I was able to make my payments through XX/XX/XXXX but due to the lack of funds I could not make the {$380.00} pmt in XX/XX/XXXX. I called Navient multiple times to see how I could lower my payment as I had no income coming in. The representative I spoke to directed me into a forbearance for several months until I could get back on my feet. I just spoke to a representative today, XX/XX/XXXX and she said that since I did not have a months worth of paychecks to renew my IDR I had two options : let my account go past due or go into a forbearance again. Since XX/XX/XXXX my principle loan balance has gone up due to the accrued interest being capitalized when my loans were in the forbearance. I feel cheated and misinformed here. When I went into the forbearance I was not made clear that interest is still being accrued and the interest would be tacked on to my principle balance. I have been paying consistently for years and instead of my loans decreasing they have gone up an additional {$2000.00} since XX/XX/XXXX. I feel cheated and disgusted that a company of this size can do this to people without informing them. I am currently in an IDR plan and finally found employment. I still have yet to be paid and when calling into Navient they steered me again into a forbearance due to me not being able to provide a months worth of pay stubs. However this time, they had a recording informing me of the accrued interest being capitalized while in a forbearance. Again, the representative only gave me two options to choose from. This was the first time for me understanding this and these companies are failing the hard working people who have student loans. PLEASE HELP!
On XX/XX/XXXX I called and asked for the total balance owed and then made an ACH payment over the phone to Seterus in the amount of {$4500.00} for XXXX and XXXX and was charged {$10.00} which I was told was included in the payment amount. Due to a mix-up at my bank, the ACH payment was rejected/returned on XX/XX/XXXX. On XX/XX/XXXX I called Seterus as my online account still showed I was current. I was told that my balance due was {$10.00} ( the rep could not explain why I still had a {$10.00} balance when I had called in to get my full amount owed! ). He then said that I since I knew the payment would be returned that I could make the payment again. I did not elect to do this as I felt that if I made the payment at that time it may be considered as extra payment, not payment for XXXX and XXXX. I checked online and via automated phone again on XX/XX/XXXX and Seterus still showed my as current. On XX/XX/XXXX, my online account showed that I owed the XXXX payment, but not the XXXX payment. I called Seterus and the rep told me that the XXXX payment showed returned, and that the XXXX payment showed paid, but that the XXXX payment was in a suspense account. She could not explain what this meant, and could not transfer me to her Manager as she said he was not in today. She also stated that it could take up to 14 days to correct! This would make my XXXX payment 60 days late! When I asked if there was anything she could do, she said everything was automated and that if I made a payment today it would be for the XXXX payment now due. She also stated that there was no way to talk to the " payment people ''. When I insisted, she said she could send an e-mail asking them to check into it - which she said she did. She then asked when I would make the XXXX payment! - I'm still trying to make the XXXX payment!! 
Here are my issues : 1 ) I called for a full balance to pay for XXXX+XXXX+all fees and paid {$10.00} for the phone payment and was not give the right amount. 
2 ) Neither rep said I could make a payment to avoid my XXXX payment going 60 days delinquent and that they could document that it was a XXXX payment 3 ) The rep told me that XXXX showed paid yet that same amount was in a suspense account. And could not explain what that meant. She did not offer to further investigate and only did so when I insisted. 
4 ) There seems to be no escalation process for issues 5 ) After asking twice to speak to her Manager and getting stonewalled, she then told me he wasn't in today.
Hello My name is XXXX XXXX BOD XXXXXX/XX/XXXX XXXX XX/XX/XXXX My family and I were trying to obtain a Mortgage and were denied because of information that is not true on my credit report. XXXX XXXX XXXX XXXX XXXX has information of an eviction : XX/XX/XXXX record number XXXX File number XXXX XX/XX/XXXX:XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX civil DISMISSAL with no money or balance owed XXXX XXXX XXXX XXXX XXXX this company does not exist but is on my credit. <P/>I have even called XXXX XXXX County XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX General District Courts XXXX XXXX XXXX and the Attorney General office stated there are no balance and these items should not be on my credit report. <P/><P/><P/><P/>These allegations and judgements are lessing our chances of obtaining financing to purchase a home. as we all know how hard times are to buy a home in this day and age. <P/>These records were obtain by XXXX XXXX # application XXXXXX/XX/XXXX XXXX : XXXX
I sent a letter to Trans Union letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Trans Union refuses to delete the fraudulent accounts from my credit report stating in a letter they will not remove it. Trans Union provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. The accounts that came from identity theft are listed below also here is my Credit report number : XXXX XXXX XXXX XXXX acct XXXX XXXX Acct XXXX
On XX/XX/2019 My mother, XXXX, transferred {$260.00} from her Chase checking account to my Chase checking account. The reason for this transfer was because my account began the business day of XX/XX/2019 with a balance of -XXXX. When we checked the accounts on the morning of XX/XX/2019, we found that the transfer had completed and posted from my mothers account. My account however now had a balance of-XXXX, with no record of even a pending transfer. We contacted Chases customer service and both repeatedly verified our identities. After speaking with multiple customer service representatives, we were connected with a manger XXXX XXXX, who refused to provide an id number. Her analysis of our situation was that Chase has policies that allow them to process the funds transferred for 1-2 buisness days. She also was unwilling or unable to remove the insufficient funds fee applied to my account. We cant get the money that has been transferred back either without be charged and delayed even more. We both have used this transfer method in the past, with each other and others, and have never experienced a delay like this before. The money was also designated for time sensitive expenses of mine that have caused me tremendous financial problems. I feel like they used their policies to steal from me.
We have our Mortgage with US Bank we received an offer for a home equity loan for a fixed rate. Our rate now is 5 %. They offered XXXX for XXXX years saving us about XXXX a month. We only wanted to borrow what the payoff was on our mortgage. We gave them all the documents they asked for. We each have a XXXX credit score. This process was taking so long I called every week also have emails. Come to find out that our loan has been put in the inactive file because of the time frame. I only found this out after my XXXX or so call during this XXXX month period. I was told they need paystubs for my husband because the could not read the first set even though I took originals and the branch scanned them. If this was a problem why did the wait XXXX months to tell us. Now the offer is no longer available. I believe this happen because there was nothing for US bank to gain in fact they would be losing money. Our house appraised XXXX times higher then the amount we wanted to borrow. Also we have our mortgage with them currently and in the XXXX yrs we have had it not one time has it been late.
I filed for a debt relief program through XXXX XXXX XXXX in XXXX XXXX 2015. Two of the credit cards I owed at the time were from Capitol One Bank. One of these credit cards were accepted by Capitol One for a single debt relief payment and the other one for 6 payments for less than the value owed. The payments were made according to the agreed upon payment schedules and I have proof from XXXX XXXX XXXX of the payments ( see attached document ). However, Capitol One refused to discharge these cards and have sold the account to XXXX XXXX XXXX who call me constantly trying to recover the full payment owed. They say according to their records no payments were made and they do n't care if an agreement was made between Capitol One and XXXX XXXX XXXX. They continue to say that I owe them full amount because they now own the debt. These calls have been occurring 4-5 times a day for the past 6 months. They have also recently published their " fictitious debt '' to my credit report last month. I need them to be stopped and my credit, which I am working hard to improve, corrected. Please help!!!!
Alerted on XX/XX/XXXX that my personal information could have been affected by the Equifax data breach.
I have repeatedly sent out certified letters to Progressive Management Inc asking for validation bearing my signature of debt from this reporting agency and this company will not comply with my requests. This is a violation of the Fair Debt Collection Practices Act. This is affecting my credit score and if I can not get validation bearing my signature of debt please remove from all reporting credit bureaus ( XXXX and XXXX ).
A company called Delta Management calls several times a week. The person calling is called XXXX XXXX. I have repeated told her that I am not the person she is trying to reach and that I do not have nor have ever had student loan debt. She keeps trying to get personal information from me. I have asked her to stop calling and have had to block her number to stop the harassment. She is rude and hangs up. Their phone number is XXXX
On XX/XX/2016 I purchased XXXX items from XXXX worth {$47.00}. There were few major issues:1 ) XXXX does n't have an order summary screen which shows at what address it is going to ship the items.So the order got shipped to wrong/old address. 2 ) I need to make numerous calls and send emails to get it fixed and spent close to 3.4 to 4 hours but still I did n't got my order and finally got the refund in the form of XXXX bucks. 3 ) XXXX send the entire XXXX digit credit card number rather than customer 's first name and last name. this is major security breach as they are exposing the entire PII data which can be really dangenerous. 4 ) when i told this to XXXX and law enforcement agencies about this data breach issue - XXXX retaliated and closed my account 5 ) As and when any refunds used to happen - XXXX used to refund the money not in discover card but as groupon bucks. XXXX abruptly closed my account and all my XXXX bucks ( which is real money ) is also gone. When i wrote this to XXXX they have n't responded. 6 ) Also reached out to Discover regarding the dispute and they are simply passing the blame to XXXX and doing nothing. Moreover Discover is not going to do something serious against their preferred partner ( XXXX ) for the credit card number breach,
EQUIFAX CLOSED XXXX XXXX CREDIT CARDE ACCOUNT BECOUSE XXXX XXXX CHANGED THE LAST 4 NUMBERS THE SAME CREDIT CARDE. AFTER I SPOKE TO SUPERVISER FROM EQUIFAX AND HE REFUSE TO CORRECT THE INFORMATION.
I have no idea what this company is doing on my credit reports. I have never heard of them or from them and I only get insane amounts of calls demanding money. I have never left a debt unpaid and I dispute this 10000 %! I want these people to stop scamming me for money that is already covered by write-offs and taxes. They are illegally recollecting on top of money already written off and adding astronomical fees and interest not legal for them to do in my state! 

fdcpa laws were violated when i initially disputed this without any results or notice and they never ceases and desisted when i asked them to. I am frustrated and XXXX as to what they want and why they are harassing my family! I will give them 30 days to get their illegal collections off of my credit reports or I am taking this proof to small claims and suing them for FDCPA violations in my state!