WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX I opened a XXXX acct for XXXX /month, on XX/XX/XXXX to be exact via my Credit card. My son who was XXXX yrs old at time on XX/XX/XXXX opened was also, unbeknownst to me with my Debit Card via Chase at same amount XXXX/month. So there were XXXX accts simultaneously XXXX under my email address and the other under my sons. This i did not discover until XX/XX/XXXX. I immediately called XXXX had resolved but not the $ reimbursement of amt XXXX. XXXX informed me i would have to resolve through the Chase Bank. I went into the Bank Thursday XX/XX/XXXX filed paperwork. They credited my acct approximately 85 XXXX Now i received a notice from the bank that informs me they are taking the $ back, they have informed me that " AT this time, we determined the transactions are correct '' As a result we are removing temporary credits from your account. 
My question is i removed my accounts from Chase due to other matters that i as a customer found irritating. I have left the account opened due to automatic deposits of my Child Support checks and I have a credit card with them also. Therefore i do not go in and check acct for automatic withdrawls until recently when i noticed the netflix withdrawls. 

Is there more i can do to be reimbursed? i was making double payments both in my name to total amt of XXXX/month when i asked XXXX why not contact me if noting that my name was on XXXX accts. as payee, why they did not contact me, they informed me that that was my responsibility. 
Can you help me with this?
I fell behind on my mortgage  with PHH Mortgage Services. We made a payment agreement and I was due to make a payment. However, when I went to make a payment I was locked out of the website payment method, and I was also locked out of the phone payment method. I attempted to call the servicer and left at least two messages with no return call. Something tells me that this business practice is not ok. Why would you lock out people that need to make payments? I am sending a check certified mail ....
My Equifax Credit Report suddenly showed a hard pull by XXXX XXXX XXXX XXXX XXXX. on XX/XX/2018. I spoke with an Equifax representative by phone today and told her I did not authorize XXXX XXXX XXXX XXXX. to pull my credit for any reason. I use XXXX for cell phone service and XXXX XXXX for TV service. I have no need for XXXX XXXX XXXX XXXX. The Equifax rep said I would have to dispute this with XXXX XXXX XXXX XXXX, even when I suggested that this could be an attempt by someone to use my identity. Equifax is very difficult to deal with under these circumstances while XXXX is much easier to work with. It is no wonder most lending institutions are switching to reliance on XXXX for consumers.
Contacted Portfolio Recovery when my wages started being garnished and asked them to send me proof of said account. Now all 3 credit reporting agencies have no record of this debt from the " original creditor '' and they have failed to provide me any proof that this is MY debt. They claim this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and sold to them in XX/XX/XXXX. I have no court documents of a collection, summons or judgement being issued to them for this debt. No paperwork for Wage Garnishment Court Order, Copy of Summons, ca n't find anything. No one can seem to find the paperwork and this has caused me undue stress. I have suffered undue hardship due to the wages being taken and I am past due with bills and the holidays are coming and no work means no pay.
XXXX XXXX is reporting negative account information on an account that has been " PAID IN FULL '' that has been paid in full since XXXX/XXXX/XXXX. XXXX has reported to all 3 credit bureaus stating this account for a XXXX XXXX XXXX is in a " LATE PAYMENT ' status as well as the account being " CHARGED OFF ''. This is conflicting information and is incorrect as this account should reflect PAID IN FULL with NO LATE PAYMENTS, it is not possible to show late payments or a charge off on an account that has a PAID in FULL letter along with a SIGNED TITLE by XXXX. This has caused my to be in a crisis of almost loosing my house since I am not able to refinance due to the negative reporting from XXXX.
In XX/XX/XXXX my ex husband and car salesmen told me to sign a document so my name can be on the title of his new car purchase in case I get pulled over. I told them I was n't co-signing and they assured me I could n't because I did n't have good credit and it was only so my name would be on the title. I signed a piece of paper and fast forward XXXX years now the debt is mine. The creditor has taken my state taxes. I 'm remarried and they have gone into our joint account and taken over {$600.00} ( which was our rent for that month ) and I was n't working so it was my new husband income but according to the bank married couples take on each others debt. Now they are taking my child support from my personal account I 've had for years with no incident until they merged with another credit union. Although I have not worked since XX/XX/XXXX they continue to harass me and recently took {$7.00} well because that is all I had left in that account. I made a {$300.00} deposit to rent a car but took it out the same day once I could n't get the rental. My point is there are no deposits for this account other than child support from a income standpoint. I called my credit union once before on the same issue and they told me they could n't do anything because it was a garnishment. I informed them it is illegal to take child support as payment for a debt. They informed me that any deposits made to my account is fair game. So, I 'm at a loss and will have to file for bankruptcy I 'm guessing. However, I wanted to put this on the record that I have contacted the Attorney Generals office and they sent back the creditors response which included the form I signed plus another XXXX I did n't sign that miraculously had a signature that was n't mine on it. These creditors take illegal measures with consumers that ca n't afford to fight back because no one holds them accountable. So for all the consumers out there, DO N'T SIGN ANYTHING WITHOUT READING IT.
XXXX XXXX performed an-unauthorized inquiry on my credit. The inquiry was performed as prescreening and does not impact my credit.
I am trying to get rid off the PMI on my home loan. My property value has been increased and I am thinking of reevaluating the property price and drop the PMI. But my lender now says I should have paid XXXX for at least 2 years before I can take this route. Is this true? I am going through some website and none of them says this 2 year rule.
XXXX XXXX from Cavalry Portfolio Services called for XXXX XXXX, another tenant in my building. She refused to give a contact phone number and disconnected when I insisted.
I would like to re-open the complaint XXXX for it has not been properly resolved. I have asked XXXX XXXX  to verify this debt with all of the following proper debt validation : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service They have failed to provide me with all of the above documentation. XXXX XXXX has responded to this complaint stating that the account was charged off, and sold to XXXX XXXX. I have also requested XXXX XXXX to provide me with the above debt validation, they were unable to, and as a result ceased all collections on this account and removed it from my credit file ( see the attached response letter from XXXX XXXX ) because the account is not verifiable. Being that this account is no longer owned by XXXX XXXX, and they're unable to properly verify the debt, then they should not illegaly be reporting this account on my credit file.
This case involve sending a principal payment of a $ XXXX cashier check funds received by Ditech ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) on XX/XX/2018 to my loan Acct number XXXX and it is being held in an unapplied funds account with them. The loan principal amount on the day of record was {$120000.00}. I also requested in my correspondence that Ditech complete the loan pay off with my escrow funds currently in the amount of {$710.00}. 

Ive attempted to resolve this matter several times with no success. On their statement sent out yesterday, it actually notes their Misapp. Below are my resolution attempts. 
-XX/XX/XXXX via the Ditech message center -No response -XX/XX/XXXX phone call to Ditech - Request noted, promise 3 day resolution.

-XX/XX/XXXX phone call to Ditech -Request noted, request in process -XXXX XXXX phone call to Ditech -Request noted , request in process -XXXX XXXX phone call to Ditech -Request noted, promised 3 days -XXXX XXXX faxing this correspondence -XXXX
I wanted to reduce my mortgage by removing pmi. After struggling with moving money from bank to bank, I was able to make another 10 % payment to Stonegate Mortgage. I had put 10 % down on the house and with the 10 % payment, was at least 20 % of original loan. The whole goal was to reduce my mortgage by approx. {$200.00}. Not only has my pmi not been removed, I was told that I had to pay an additional {$110.00} to request a broker document before they remove the pmi or I have to wait years until the loan value is 78 %. They just gave me a bunch of other things to do. The problem is I work 14+ hour days every day ( XXXX hours just driving from XXXX to job ), and am at the limit for bankers bs. They took my money, which I can not invest, I told them the intent was to reduce pmi. Now they want to charge me more money before removing pmi even though I have paid the 20 %.
Weltman Weinberg and Reise Company LPA called me claiming to be representing the XXXX XXXX XXXX. I asked if I could make payments and they informed that I was in default and the entire debt was due. After this conversation I began doubting their authority to collect on said debt. When they called again, within 30 days of intial contact, I asked for the verification of the debt. They told me they were still going to be reporting me to the credit bureaus as my last payment was in XXXX. This was a lie as I was holding a statement from the company they were supposedly representing and the statement said the last payment was received on XXXX/XXXX/15. Not only did Weltman Weinberg and Reise Company LPA lie to me about this, according to my contract I am in default if I do not make a payment within 270 days. During these calls where they were trying to force me into paying the entire debt, I was not even in default of my loan yet. However when I asked to make payments they refused. In summation : they lied about how much was due, they refuse to stop collection activities though I requested verification of the debt and their authority to collect it, and they refused to take payments even though i was still within my time frame to make payments instead of paying the entire sum. I was attending the University XXXX in XXXX when I took out this loan.
I have tried repeatedly to have my security freeze temporarily lift. Equifax refuses to lift it. I have supplied them the PIN #, my drivers license, social security card, and bank statement. I have also paid the required fee. I am unable to obtain credit due to Equifax system issues. I have called them repeatedly. I got no help from their call center in XXXX.
i had looked at my credit report and seen that ASC was reporting that i missed XXXX payments in which this is incorrect i am missing payments but we are in court right now battling forcloser. And even then i am no where near missing XXXX payments because then i would owe this company XXXX XXXX dollars less. this is in correct
They have called my employer numerous times, even after I have asked them to stop calling me at work, at the phone number. Not only that, but they have told my employer who they are, and that they are debt collectors, and have given personal information out. This damage, can not be undone. They should have never called work, and when asked to stop calling they did n't stop. They are not allowed to give out personal information /or say it is regarding a debt.
This account was set up for a business in which I was the XXXX of back in XX/XX/XXXX. We set up tp sell XXXX XXXX security. The account was for the business, not for a personal use, and I was never making any payments regarding this account. The only way that I know it having any of my information was saying I was the person to contact if there was a breach at our business, ( as this was a security system ) It  was all taken care of within the business. The following year, XX/XX/XXXX I quit my management position at this job, and parted ways with the business. Later that year, I had received calls regarding this account, and I advised the collectors that this account was not mine, and I was not in charge of payments or anything regarding the account. They continued to harass me throughout the rest of XX/XX/XXXX into XX/XX/XXXX when the debt was purchased by Perfection Collections. I advised to them when they had called to me that I again, was not the person to call regarding this account, and that I would get them the information regarding the business owners, and their responsibility to the payments within the account. They told me that I was not telling the truth, and I told them to please stop contacting me. I called my local police department on some assistance, they advised me that I shouldn't worry about it, since it wasn't my account. I waited and now I am trying to purchase a home, and my credit as been hit because of this issue. I submitted a dispute with XX/XX/XXXX twice now, and they are not changing this, and when I call the collections agency, they tell me that they will not accept this and I need to pay on the account. I feel cornered and that no one will help me.
I requested a copy of my online application used to get this credit card XX/XX/2016. 
Did not receive it. 
I would like a copy of my online application used to get this credit card.
I was served a petition from a sheriff out of the blue at the end of XX/XX/XXXX. I had no knowledge of the lawsuit. I contacted XXXX XXXX XXXX and informed them that I had not been given the opportunity to dispute the debt and that the petition was filed in the wrong parish. XXXX XXXXXXXX XXXX recalled this petition and sent me credit card statements for review. Upon receiving the credit card statements, I found thousands of dollars in unauthorized charges after I reported the card stolen. I have a police report to show my car was broken into. I sent 3 written notices on how to dispute these charges so that I would not be liable for them in the balance and never received any communication from XXXX XXXXXXXX XXXX. 

On XX/XX/XXXX I was served another petition for lawsuit even though I had been making best efforts to settle the account with the law firm. The lawsuit was again filed in a parish that I do not reside in. I live in XXXX parish and the suit has been filed in XXXX parish. I have never lived in XXXX parish, do not own property in XXXX parish and do not have any ties to XXXX parish. 

I mailed a copy of my answer to XXXX XXXX XXXX that stated the lawsuit was filed in the wrong parish and that XXXX parish did not have jurisdiction over the matter. This was received by the law firm and can be confirmed by tracking number. XXXX XXXXXXXX XXXX then responded to my answer by filing an execution to obtain a judgment, again filed in the wrong parish. 

I contacted the XXXX XXXXXXXX XXXX a total of 14 times after I received notice of the court date in the wrong parish and received no resolution from the firm. The clerk of court in XXXX parish said it was the plaintiff 's responsibility to move the venue to the correct parish. The only statement I received from XXXX XXXX XXXX is that " the hearing will proceed. '' I informed the XXXX XXXX XXXX   that this is a clear violation of the Fair Debt Collection Practices Act in pursuant with 15 U.S. Code 1692i. The law firm refuses to acknowledge this and is trying to obtain judgment by deceptive practices.
I banked with Ally Bank from XXXX until XXXX XXXX, XXXX the bank made the decision to close my checking account due to them allowing someone to transfer money from my account to another account. They reimbursed the funds to my account but now they are giving me the run around about my refund for the closing balance. I hhave been communicating with a XXXX XXXX who has told lies to me and her supervisor XXXX who has taken her word to be true my account was closed in early XXXX I was sent an email as notification and told on XXXX XXXX, XXXX the check for my remaining balance has been mailed I then ask to what address nd then informed it was mailed to my previous address to an address I had moved away from 6 months prior so the check was returned by the resident currently living at XXXX XXXX XXXX XXXX, XXXX but before that I informed XXXX that I was moving and when the check was returned if it could be sent to my new address XXXX XXXX XXXX at that point she required me to email her a copy of my lease which I reluctantly did since I was evicted from my previous address due to all the fraud which was allowed to my account she informed me that on XXXX XXXX the check was returned to the back after I had wait per her instructions not to call back until XXXX XXXX which I call back on XXXX XXXX I am bein given the run around and about to be evicted a second time I am a XXXX vet and do not have the income to be going thru this XXXX money all I want is to get my money and I am done if they continue I want have an address to send it to I will be on the street
To date, I have lodged fifty-five bona fide CFPB complaints involving Bank of America and the loss mitigation processes including, but not limited to, the foreclosure process. Bank of America has consistently refused to take these opportunities to deal with me in good faith and actually conduct though reviews of the records for the purposes of resolving the matters presented. 
Before a trustee 's deed has been recorded I may obtain injunctive relief for material violations of the California Homeowners Bill of Right 's ( CalHBOR ) pre-NOD outreach, dual tracking, SPOC, post-NOD outreach, application acknowledgement, late fees, servicing transfers, or document reliability provisions per California Civil Code XXXX ( XXXX ). 
After a trustee 's deed has been recorded I may obtain actual economic damages for material violations of the above provisions, if the violation was not remedied before the deed was recorded. Borrowers may obtain the greater of treble actual damages or $ XXXX in statutory damages, plus exemplary and punitive damages, for intentional, reckless, or willful violations per California Civil Code XXXX ( XXXX ) A rescission of an NOD or cancel a pending sale in accordance with California Civil Code XXXX ( XXXX ) is appropriate in this instance as the NOD has been recorded in error.
DIVERSIFIED CONSULTANTS has been harassing me for years over my XXXX phone bill from XX/XX/XXXX. Granted the collection is past due and is a little over a thousand dollars in total. Now the reason I refuse to pay the debt is because I was XXXX XXXX   almost the whole year of XX/XX/XXXX. During that year my phone through XXXX was broken and my service I'm assuming ended. Ive told this company to stop harassing me with phone calls and " attmepts to collect a debt ''. All its doing is traumatizing me and negatively affecting my credit! I want this collection removed and I want to be left alone
Bank of America closed my credit card account without any advanced notice. I had XXXX reward points that I now have no access too. My credit card payments were on time and my balance was only XXXX % of my limit. When I called to redeem my points they said they were forfeited. I believe this is unfair and illegal practice.
I have tried to get three credit bureas to send validation on accounts on my credit reports only to get reports back saying that the accounts have been verified. This is not validation. Asking for signed documents of my signature on accounts that have been disputed by me. Accounts were disputed three times since XX/XX/2018 thru XX/XX/2018 and credit bureaus say they are verified. Need validation on accounts or remove from credit report. Equifax : XXXX XXXX judgement for possession of apartment only, no money judgement by court, this account is reporting as deceptive and unfair practices. 
XXXX XXXX no validation, statement is account has been transfer/sold. XXXX XXXX no validation on account creditor sent out deferred payment agreement on account that has not been validated.XXXX has same accounts XXXX XXXX, XXXX XXXX, XXXX   XXXX, and also Bankruptcy chapter XXXX that I have letter from Bankruptcy court that they do not verify information with credit bureaus.I also have placed a freeze on XXXX.XXXX has XXXX XXXX, XXXX XXXX, XXXX  XXXX, and Bankruptcy chapter XXXX. Documents attached. Thank You. 
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learning recently about Transunion computer glitches they experienced this year and last year I called Transunion to explain to them that I was aware of the glitches they had in there system that caused inquires to be deleted and added back on to my report in doing so I was never informed by mail or phone that they would be added back onto my report illegally without my knowledge. All in all this misfortunate was not my fault. Transunion told me it was nothing they could do about this knowing that it was there fault they even mention knowing they had glitches but the inquires had to be added back. These inquires added a hardship and as a citizen my rights were violated by Transunion. I 'm writing in hope that you can make Transunion stop victimizing me. I ask that as a resolution that all my inquires be deleted from Transunion permanently as a violation took place illegally
In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I opened disputes with Experian regarding an account with XXXX XXXX XXXX that is showing on my report that was settled in XX/XX/XXXX. The company removed this account from XXXX XXXX and XXXX, however after submitting documentation to Experian they continue to state that they have contacted the origninal creditor XXXX XXXX XXXX  and this information is accurate. I have all the documents and have spoken with XXXX XXXX who agrees that this should have been removed as they requested. XXXX XXXX XXXX sent Experian a letter as well as myself indicating that they do not own this account and the name of the new account holder which is XXXX XXXX XXXX. They still refuse to remove this from my credit report.
On  XXXX   XXXX ,   XXXX  , I received a letter dated  XXXX   XXXX ,   XXXX  , from Moss Law Firm , P.C . attempting to collect an alleged debt which they claim I owed to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . The letter claimed that failure to dispute the debt within 30 days would result in an assumption that " the debt is valid ''.     On  XXXX   XXXX ,  XXXX , I sent to Moss Law Firm, P.C., via Certified Mail Return Receipt Requested, a letter demanding strict proof in the form of my actual signature on an application for credit and/or an agreement for credit. The letter was delivered to Moss Law Firm , P.C . on  XXXX   XXXX ,   XXXX  .     On  XXXX   XXXX ,   XXXX  , Moss Law Firm , P.C . sent me a letter stating that they had " not had sufficient time to investigate this matter and were unable to verify the debt at this time. '' That letter arrived  XXXX   XXXX ,   XXXX  .     On  XXXX   XXXX ,   XXXX  , I pulled each of my  XXXX  credit reports and noticed that the alleged debt had not been marked as " disputed '' under the requirements of the Fair Debt Collection Practices Act and Fair Credit Reporting Act, as well as the laws of the State of Texas.