WillisBack/dataset-financial-user-claim huggingface dataset:
Blitt and Gaines, LLC of  XXXX  Illinois placed and illegal garnishment on my wages using false statements and document from th e Circuit Court of    XXXX   County, Illinois. They have included form that are not legal court documents. The amount is   XXXX   for a student loan that list   XXXX   XXXX   XXXX  ,   XXXX   XXXX   (   XXXX   ), and   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   as collectors.Then garnishment start date was   XXXX    XXXX , 2015. I have the court document to support the illegal garnishment.
This is in regards to the CFPB complaint XXXX I filed on XXXX/XXXX/XXXX that CFPB closed without resolution. 

American Express admitted to their mistake and said they would resolve this matter on or before XXXX XXXX XXXX. They have not resolved this issue and have not made any effort to resolve it. 

I am still waiting for my XXXX XXXX XXXX points.
I am disputing the following information that a collection agency ( listed below ) provided to XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX   The incorrect item should not be listed on my credit reports.

This item is inaccurate because it is an unauthorized charge that I do not recognize. The charge is not legitimate. Therefore, I am requesting that the collection agency remove this incorrect charge as soon as possible. The alleged debt is invalid and the creditor has violated my consumer rights as stated in the Fair Debt Collection Practices Act.

I am requesting this matter be resolved and removed, I appreciate your help with this matter.
There is an address on my credit reports that I have never lived at. It is XXXX XXXX XXXX XXXX XXXX Me XXXX. There is an incorrect birthdate of XX/XX/XXXX on my credit reports. There is a spouse on my credit report named XXXX and I have been divorced since XX/XX/XXXX and he is dead. There is a incorrect social security number on my credit reports of XXXX. There are several misspellings of my name due to typing errors that I want removed. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. There ard phone numbers that are not mine on my credit reports, XXXX, XXXX, XXXX.
Wells Fargo HELOC Submitted HLOC application online on XXXX XXXX XXXX Although Wells Fargo portal Under Review states " May take up XXXX to five days '' has been taking much longer. 
All documents required by Wells Fargo online portal were uploaded within a few days of application but the Home Equity Specialist kept asking for documents that had already been uploaded. 
A few days prior to XXXX XXXX XXXX I raised a XXXX discrimination complaint on the basis Wells Fargo asked for my XXXX divorce documents ( I 'm male ) but not those of my wife. This resulted in Wells Fargo then asking for my wife 's XXXX divorce documents. 
Every week Wells Fargo ask for more documents. 
I feel I 'm being discriminated against because I raised a complaint. 
The application process has now been three months ; Wells Fargo continue to ask for documents and still no closing date given.
HI I WAS A STUDENT A XXXX XXXX XXXX, SINCE I GRADUATED, IT WAS TO DIFFICULT TO FIND A NJOB BECAUSE IN XXXX THEY SAID IF YOU DONT PAID THE LOAN YOU WILL NOT BE ABLE TO GET YOUR DEPLOMA SO I WAS WORKING ON A FAST FOOD RESTAURANT AND THE MONEY THAT I MADE IT WASNT ENOUGH FOR ME BUT SINCE I DIDNT HAVE NOT DEPLOMA AND NOT OPTION TO GET A BETTER JOB, MY LOAN WAS GETTING OUT OF CONTROL IT WAS ONLY XXXX YEAR XXXX   DEGREE AND ALMOST XXXX IN LOANS AND I DONT KNOW HOW? SINCE THAT DAY I NEVER WANT TO GO BACK TO COLLEGE BECAUSE I WAS AFRAID, I NEED HELP PLEASE.
i keep calling equifax about my personal info ion my report.they remove it and put back on other address to my file. 
1.XXXX XXXX ga XXXX 2.XXXX XXXX ca XXXX 3.XXXX XXXX az XXXX
i keep receiving calls to my cellphone from a scam debt collector. 

They have called XXXX or XXXX times now. They imply they are debt collectors, but when asked who they are trying to collect for, the woman said we work for XXXX of clients, a nd started asking for my birth date. I told them I do not owe any outstanding debts and stop calling.I hung up. The calls sound like they come from a call center. The # used is XXXX.
I contacted Navient after I was unexpectedly laid off to discuss the options for my private loan. I had called my other lenders and they told me that they can defer payments until I am employed again. Talked to Navient and they informed me that I have no deferment left and there was nothing they could do. They even tried to take me through a budge of expenses and then confirmed that I am negative each month with the expenses I have. I have tried to get the lender to work with me in my temp situation and they decided to tell me that I was stuck paying the loans. So each month when I have any money left i pay them way below minimum as that is all I can do. I am now getting harassing collection calls, emails, and voicemails. So i call them back to talk to them and they tell me the same things that I am stuck. I really wish they did not help me use the deferment/forbearance during the years of me calling in for help to lower my payment, instead they told me to use the forbearance and defer payments instead of helping fit the payment into the budget that I had.
On X/XX/2017 I emailed a letter to equifax along with the various other reporting. Equifax is the one agency in particular I am having the problem with. I have only recently received an email response from them. The email sends me to a website to but I ca n't access anything on it because the page is an error page. I have tried called Equifax and they just seem to want to run around in circles.
The problem I am having is on my credit report Equifax has mixed up my information and my sisters. They ca n't seem to separate the two of us. They ask me to verify her information but I ca n't its not mine to verify. My sister 's name and social security number and her loans are listed on my credit report. She recently finished a XXXX which shows up with all of her loans on my account. Once I realized this problem. I contacted each loaning agency. I called to verify with each account that I was not listed as a holder of that account by my social security number and name or as a co-signer for my sister. Each vendor verifed this information but Equifax does n't seem to be able to make these changes. They are acting like a dishonest and lazy company.
All companies and the specific issues on my credit report are listed on the credit report and the letter submitted to them.
capital onecredit card threatened me when I told them I was in XXXX  during this time. they said well looks like your going right back and laughed at me. I can XXXX XXXX  because in was XXXX XXXX XXXX XXXX XXXX XXXX. I was shocked a company would speak this way the card was XXXX on XX/XX/17
We have been dealing with SunTrust Bank since we came to the US.We must admit we were getting excellant personalised service since 2013.In all we had two chek in accounts, two savings accounts & two secured credit card accounts.We had closed Saving Bank accounts since we did not find any specific benefit of having these .We have been maintaining the accounts in the best possible manner i.e maintaining desired balance, not overdrawing, paying in time & thus have been maintaining strict financial discipline from day one till date.We also have a safe deposit locker. 

Few days back we received two letters fom the bank asking us to close all the accounts without telling us the account number or the reason of this uncalled action.We talked to Consumer affairs section of the bank to inquire the reason .We were told it is a business decision. 
We feel this uncalled action of bank is illegal & will cause undue inconvenience to us, a XXXX couple.We are living very cl ; ose to the branch & this action of bank without any reason or rhyme appears to us as an infringement of our basic as well as banking rights.
I am writing because of a situation I have tried to rectify for over 5 years now with absolutely no help by FedLoan and its arbitrary, irrational policies. I am a teacher in Oklahoma and get paid once a month on the XXXX of each month. I can not change that fact ever- it is the way my school district- XXXX XXXX Schools in XXXX County , Oklahoma does it. Several times since I have, through every means, tried to get my payment due date scheduled on or after the XXXX to ensure I incurred no additional fees. I have been told by CSR 's and their Supervisors that the date can not be changed given my plan- what plans can change and why ca n't I. I was never told this at any time when signing up or re-certifying for my plan- Income Driven Repayment. The website says clearly if I 'm having trouble to ask through email and they will change the due date- just not for the poorest of us loan-holders! I asked verbally during the process and again later in at least 6 different emails sent through the FedLoan portal for a change to this due date from the standard XXXX to the XXXX or later. I sent an email in XXXX and 2 more in the last week asking for a change. I have already paid over {$200.00} in fees resulting directly from the timing of these payments. I signed up for Direct Deposit hoping it would allow me to change this date but to no avail. They would n't cancel that for me either when I asked saying 3 business days are needed ( Fri, Mon, Tue ) so I 'll be out hundreds again this month due to this due date! I can not understand why 1. It is such a difficulty to change the date for me and 2. why people who are at highest risk of default are being forced to adhere to a due date which incurs regular financial harm? They always say I had to change it when re-certifying and I asked them to and they said I must make a payment 1st then I could- not this new excuse. I have been lied to throughout this process and simply do not understand why I am being forced into an even worse financial situation each month by a simple due date that ANYONE should be able to change at their will!
I miscalculated and my account went overdrawn. Based on posted debits, only XXXX debit caused the account to go overdrawn. However, I was charged for XXXX overdrafts.
On XXXX/XXXX/17, I received an email notification from Big Picture Loans reminding me of a loan payment due on XXXX/XXXX/17. I contacted their Customer Service Number on XXXX/XXXX/17 requesting to delay my loan payment until XXXX/XXXX/17, as my Employer changed my Payroll Schedule from Semi-Monthly to Bi-Weekly, effective XXXX/XXXX/17. When I initially stated this to the Customer Service Representative, before she could give me a response, she insisted she could n't even address this issue until I first request my Social Security Number ( Mind you, I had given the Customer Service Representative my Loan Number, and she stated { As the phone call was recorded } she pulled up my account ; BUT, as part of Big Picture Loans Verification Process, she would need my SSN ). After going back and forth, I reluctantly acquiesced ; and she then tells me she ca n't extend my loan payment date.
XX/XX/XXXX {$740.00} Never opened account with this company in XX/XX/XXXX ... ... I have tried several times to dispute this account but nothing works ...
I'm writing this letter to dispute a billing charges to my CHASE credit card in the amount of {$1200.00} that occurred on XX/XX/2018 from XXXX marketplace. I have not receive the item of purchased, when it showed it was delivered and was even sign off with my initial when i track the status of shipment on XXXX. I've also request the authentic hand signature when sign off the packages as well with travel history of the item and it appear to be false signature. I'd immediately contacted the seller XXXX in regards of the problem and have come to an agreement to have the charges directly credit back to my accounts. Yet the balances is still have not been resolves.
I have received a report of my credit and two letters closing two credit cards because it has a remark that says serious delinquency and that has lowered my credit greatly, I contacted the companies that have put this comment XXXX XXXX, XXXX XXXX and XXXX, this last one mentioned I still have my active card and they told me that it is not that I am a delinquent but because I have been late in the payment in 2015 they put that remark in the system, and it should be clear that I have no outstanding balance with any of the three companies mentioned ; I think it is very unfair that I be classified as a delinquent for having delayed a payment in the pass. 

The fact that I was late in my payment for some economic problem that I had at that time, does not make me a criminal and now they have that public information that is currently affecting my credit in a catastrophic way.

Please, I need your help, I'm not a criminal ; When I communicated with them, they advised me to get in contact with you. That is why I am asking for your help.
I have been treated poorly every time I interacted with this company as if I am not a customer at all and they are offering me welfare or something. 
I was misled about the details of my first car a XX/XX/XXXX Nissan Sentra and when I declined the extended warranty I was told I would get a XXXX refund that would lower my payment. this never happened and the money went to Nissan Motor acceptance who did not even credit me 1 payment. 
Now my car was in an accident and my insurance company is totaling the car. I received confirmation that they paid Nissan Motor Acceptance over XXXX on my loan and Nissan is harassing me for payments on the car even though they just opened a new loan for my replacement car. they are going to ruin my credit for being a second time customer. I also have gap insurance and the company has made completing my claim almost impossible asking me for documents only Nissan and my insurance company have. My insurance company said they will send them the ones they have but Nissan is doing nothing to help me on their end but threatening my credit. I can not afford to make two car payments. Nissan promised me this would not happen. Nissan Motor acceptance has been borderline abusive in their handling of my accounts and treatment. It has been an emotional assault on me and causing my health problems. I can not believe how horrible they treat their customers. Cold and unfeeling. If I can warn every person I meet for the rest of my life it wo n't be enough.
As a Pnc bank customer, I responded to a promotional offer which was to deposit {$300.00} in my account if I agreed to open the virtual wallet account with a {$5000.00} deposit. The bank representative, located at the Pnc XXXX branch on XXXX XXXX in XXXX, VA, did not give me paperwork or written materials on the offer, which was sent to me as an existing customer via email. So I opened the account, met the conditions as outlined but never received the {$300.00} promotion consideration. When I filed a formal complaint with Pnc bank I was told I did n't meet the conditions. I asked for an explanation of what conditions I did n't meet from the bank in writing. I 've never received anything in writing. The bank assigned someone to investigate my complaint. I have called this person at least half-a-dozen times. They 've never gotten back to me. That 's where it stands today. I do n't hear anything from Pnc bank.
I checked my credit report an there is a report to the credit bureau of a delinquent payment for {$160.00} to urgent care in XXXX VA ( XXXX ). The bill was paid in full and should have never went to collections and was agreed upon by the billing department from urgent care in XXXX. I was told the collection agency ( XXXX ) ( XXXX ) has access to their computers and this was done in error. This action has put a blemish on my credit and they should be held accountable and fix the error immediately.
Navient Loan Servicing is contacting me daily via my personal phone number, my work phone number, my brother through phone, my personal postal mail, postal mail to my work, and my brother 's postal mail in order to collect a debt. In XXXX of 2018, I received mail correspondence stating that if I made 3 payments in the amount of {$60.00} for 3 months in a row, my account would be considered up-to-date. I made the 3 payments and the calls and letters still continue. They called my work phone number on XX/XX/18 wanting me to verify my social security information which I refused to do ( I do not have the privacy to give that information out over the phone at work, plus they should have that information if they are trying to contact me so much, even after I'm doing what they are stating that I should do in their letters to bring my account current. ) I am tired of being harrassed by them for following the requirements set forth in their correspondence with me regarding this matter.
Rushmore Loan Management Services refusal by Rushmore to appraise house for cancellation of PMI I have written 3 letters to Rushmore as per their instructions, requesting an appraisal of my home to cancel the PMI. Each time I send in the request, they arbitrarily deny it, stating my home value is not 20 % value to loan. They are refusing to appraise the house for its new value post improvements. Each month I continue to lose money because my loan " service '' refuses to provide service.
My mortgage payment jumped {$420.00} from on month to another. When I reach our to PennyMac Mortgage they said it was due to an Escrow analysis to cause the jump in payment. My calucations for the reason for the increase did not add up. They claimed there were shortages due to them placing forced place insurance on my loan. However my policy with XXXX never expired that would require they place forced placed insurance on my loan. The only change was my insurance premiums did rise from {$1400.00} to {$2100.00} totalling a {$660.00} increase. When I asked why they would charge me and extra {$420.00} a month for the next 12 months, Pennymac response was we have to get back with you. This is unexceptable! I paided the extra {$420.00} to avoid any late fees and negative credit reporting. After 7 days PennyMac has not responded back to my request for a full investigation on why they tried to charge me for forced placed insurance.
Enhanced recovery company is stating I owe a debt of {$1500.00} opene d 2017. I  repeatedly disputed this claim several times which was originally through a debt collector named  XXXX   XXXX  system and was deleted from my credit report and 3 months later Enhanced recovery company added it back on. the reported information is incorrect. I 've sent my  XXXX  balance proof to  XXXX   XXXX   XXXX . I have never received any paperwork from Enhanced recovery company stating I owe the debt or details of the debt. This false new activity from enhanced recovery company have caused m y credit score to d rop over  XXXX  points which has affect my ability to close on a home for my children. I would appreciate if they could immediately delete their recent activity off my credit report from all  XXXX  bureaus.
The credit report have the wrong name. address and phone number on my credit report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX De XXXX and phone number is XXXX. The other information is incorrect
I WAS charged- oner XXXX in fees. My son ( dob XX/XX/XXXX ) was charged over {$1500.00} in fees. their time ordered deposit recognition is a joke- same day? FEES!!!! OMG
Good morning my name is XXXX XXXX and I am writing to you to report XXXX XXXX XXXX from XXXX, OH. 
I wrote them XX/XX/2018 to ask them to please validate the debt and they never responded.
XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX/ XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,
A collection company that never notified me of an alleged debt reported the debt ( {$110.00} ) to the credit reporting agencies. After disputing the report, all of the reporting agencies removed the item from my credit report except for Equifax. Equifax 's investigation process is severely defective : their website is inaccessible ;  they do not answer phone calls ; their investigation took longer than 60 days and then closed with no contact with me. At no point in the several months that I have been trying to get this resolved has anyone even attempted to contact me.
1. There is an account on my report for services I never ordered nor received. 
2. There is an address on my report where I have never lived. My credit was used to open an XXXX account. I disputed the account years ago and filed a Identity Theft report with the XXXX Police Department.
On XX/XX/2019, I received an alert from XXXX  saying that my credit score had decreased and one of my account had been charged off. I immediately logged in to see what was going on because I always am up to par on my credit reports because I am trying to buy a house. Needless to say it says that XXXX XXXX XXXX XXXX has CHARGED off my account. This is absolutely in correct because my car was totaled out from a wreck and the insurance paid their portion off leaving me a small portion which I paid off before time. I always kept up to date with XXXX  XXXX on this and several representatives assured me that since I paid the balance off before time that the account would not be charged off. Well I am livid, because it made my score drop and this charge off is on my credit report. I contacted XXXX XXXX last week around XX/XX/2019 and the representative looked into it and told me he was not sure why this happened, but I would be getting something in the mail.