WillisBack/dataset-financial-user-claim huggingface dataset:
This company, XXXX XXXX XXXX, filed a small claims lawsuit against me for money owed to them, and won a judgment. They then hired someone, XXXX XXXX XXXX, to collect this for them. I have the written agreement between XXXX and me, the paid receipt from XXXX, copies of my cleared checks front and back. XXXX was to have XXXX XXXX file a satisfaction of judgment upon receipt of payment, and remove the items from my credit report. To date, this item is still reflected open on my Experian and XXXX credit reports, and no satisfaction of judgment has been filed with the court. I can not seem to get this updated anywhere. I have filed disputes with XXXX and XXXX, sent both of those credit reporting agencies, copies of the agreement, the paid receipt and front and back copies of my cleared checks, and all they do is ask the courthouse if this item is still open and then they tell me that they have verified the debt and it is still open. Which is what the court would say because the satisfaction of judgment has never been filed. I need these items removed from my XXXX and XXXX credit reports, as they have been paid and satisfied.
I have a GAP Visa credit card issued by Synchrony Bank. Synchrony allowed a transaction to go through that exceeded my credit limit. We were not notified and did not realize this happened until the next time we tried to use the card and it was declined. We immediately made a payment that more than covered the overcharge. However, the bank notified credit agencies that we exceeded our limit prior to receiving the payment. I called the bank to complain and asked how we can be reported for exceeding our limit when the bank authorized the payment. This makes no sense whatsoever! I was told that as a " courtesy '' the bank allows a certain amount of charges over my credit limit. I consider this a discourtesy, as I would have used a different credit card had I known that I had exceeded my limit. I asked the bank to have this courtesy service deactivated, and I was told this is not possible. I wonder how many other consumers have their credit damaged as a result of this " courtesy. '' Consumers should either have the right to have this service turned off, or the bank should be obligated to notify the consumer that their credit has been exceeded. I was told that this service is explained in my credit terms, but if it was, it was not called out prominently.
Hello my name is XXXX XXXX and I was illegally/over charred in price and intrest rate for a XX/XX/XXXX XXXX XXXX from XXXX in which Credit Acceptance Corrporation assist. I was manipulated into putting the car into my name because the original purchaser was denied by the bank and my name was n't. The car went into deep I status and was reported stolen XX/XX/XXXX which was never recovered or sault after in which I told them I wanted them to find the car and remove me from the loan due to non payment and my credit score declining XXXX points. I really think I was discriminated against because of me being a woman with little knowledge of the loan processing. Please help me!! 
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XXXX XXXX XXXX was paid {$720.00} in 2013 in an effort to have them remove a collection from my XXXX and XXXX credit reports. Despite me never contracting with company I paid them because HSBC refused to collect the monies owed to them. I now have a delinquent HSBC entry and a XXXX XXXX collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.
On XXXX XXXX, 2015 a representative of Citigroup , Inc. advised me that I would receive certain card benefits as part of signing up for a new Citi XXXX. I relied upon these statements made on a recorded line to sign up for the new credit card and paid a {$450.00} fee as required. I was later informed that the benefit would not be provided. The matter was escalated to multiple groups at Citi without a resolution. The escalation path is clearly designed to fatigue the customer in the hope that they give up on their pursuit of their rights. 
It is clear to me that Citi representatives have engaged in a pattern and practice of deceptive behavior during this process.
disputed Portfolio Recovery online with XXXX XXXX XXXX to delete or verify accounts on XX/XX/XXXX. Portfolio failed to respond. 

disputed Portfolio Recovery online with XXXX on XX/XX/XXXX and XX/XX/XXXX to delete and verify accounts. Portfolio Failed to verify nor delete. 

I have given Portfolio over 30 days with multiple attempts to respond with verifying my account.Portfolio constantly calls from in state AND out of state numbers from XXXX to XXXX monday through Friday and even on weekend, even after disputes. I have requested for them to leave me alone.Portfolio recover constantly harasses me to pay off balances or they will sue and they have failed to prove any debt as accurate and unsubstantiated.
PayPal conducted an unauthorized credit inquiry on XXXX XXXX, 2016 on my credit report. Because they enrolled me in a PayPal Credit without my knowledge or consent, making me use Paypal Credit for purchases instead of my credit card and mishandled my dispute about the case.
I was victim of a scam regarding the sale of my car. I posted an ad in XXXX. I was contacted by a buyer who told he would buy my car but I needed to send a Money Gram order of {$750.00} to the transport company who would inspect the car and ship it. I got an e-mail from XXXXXXXXXXXX saying that the funds were on hold until I made the payment of {$750.00}. I turned out the transporter never showed up. The buyer was not actually a buyer ; just someone who took {$750.00} from me. Money Gram will not provide me with information on what type of shop the perpetrator of the scam used.
coinbase.com has prevented me from accessing my account. Has been making me resubmit my documents, which I now do not trust them with. They have frozen about 1k in Bitcoin. They refuse to give me my crypto back. They refuse to let my college open an account and put my crypto into his account or a company account. Shortly after uploading my documentation when I started my account. My identity was stolen and the individual who was using it, used to work for coinbase.
A fraud restriction was placed on the capital One account. Account holder and authorized user submitted all documents along with a bank I.D . Verification. Which was validated but unacceptable. Fraud restriction still in place and reported to bureaus as open 30days late even and no fraud statement or even account may be fraudulent. Primary holder never received credit card statement or balance ever. The Balance was paid in full and still reporting {$1400.00} with late payment status. COne was notified to note that no access to statement and pay information could result in negative outcomes
I received a call back in XXXX of 2017 about a supposed debt collection from a gym that I used to belong to ( XXXX XXXX XXXX, No Contract ). The woman that I had spoke to was extremely rude and then threatened to destroy my credit if I did n't pay the bill. I did ask to get a letter stating that I owed them and wanted all of their information. She then refused and then stated that she had already sent me the information. It has been 4 months and now this is hitting my credit report, while I still have not received a single bit of paperwork stating who I even owe this money to! I have called them and told them to send me information, but they refuse to do so. They will not send me any information in regards to my " debt ''.
In late XXXX, my mortgage was unilaterally sold by XXXX XXXX XXXX to Carrington Mortgage Services. I received a bill for my payment due in XXXX XXXX. Today is XXXX XXXX, XXXX and I have not received a XXXX bill. I called Carrington to ask why. They said that its because there is a bankruptcy " on my account '' and I have to write them a letter requesting to get bills before they can send. The bankruptcy was my wife 's ( she 's on the loan, too ) and was from XXXX. We 've never missed or been late on a mortgage payment in over 5 years. So, let me get this straight? I was paying my bills on time and XXXX bank sold my loan to another bank without my consent. And now, if I want to receive a bill to know what 's going on with my loan, I have to write a letter? That 's ridiculous. Carrington 's supervisor told me that the bankruptcy law had changed and this was required, but when I asked for a citation she could not provide XXXX. So, I asked her to send me a request in writing stating that to get bills I would have to write a letter due to the law requiring it. She refused. This was " XXXX, '' a supervisor. I do n't know what this is about but I 've been doing research and can not find any law requiring such a letter. I just want to get a bill so I can pay it.
There is missing information not on my credit report and i have a right to have my credit correctly reported on my credit report. Trans union has done a great job on cleaning up my credit report i just need these items reported correctly in order to offset the fraud that happened in my name.
On XX/XX/XXXX I wrote to Ocwen Loan Servicing , LLC about the discrepancies with my mortgage billing statements. I De-Estrowed my property taxes from my mortgage XX/XX/XXXX so I 've been paying my property taxes myself and my taxes are paid current but, from XX/XX/XXXX through XX/XX/XXXX the problem is what I do n't understand why I have been billed for Escrow in the of $ XXXX cents and past due fees/other charges for {$5.00} dollars per month also, negative Escrow amounts $ XXXX dollars for XX/XX/XXXX, and XX/XX/XXXX a negative $ XXXX dollars, and {$35.00} dollars for XXXX months. I just reviewed my statement for XX/XX/XXXX there is that {$35.00} Escrow charge to my account. I 've sent them copies of my paid property tax statements. According to the letter they forwarded me dated XX/XX/XXXX they said that the information I provided does not indicate that I have a refund due. I think they owe me a refund. I ca n't seem to get these Representative at Ocwen do n't seem to understand what I 'm telling them it 's very frustrating I need someone to help me resolve this situation.
I was just informed that on all 3 of my credit reports shows that there is 2 accounts for XXXX XXXX. I am responsible for 1 account not 2 accounts. The account is no longer XXXX XXXX it is now XXXX XXXX. I am currently on time with XXXX aka XXXX XXXX. I am requesting that this be corrected and corrected on my credit report. On my report it should state XXXX XXXX no longer XXXX XXXX and One ( 1 ) account should be showing with payments currently on time.
I was a victim of identity theft and sent affidavit stating such. I have numerous inquiries that I did n't authorize. 

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in a bankruptcy and disagree with the amount stated that I am behind. my attorney left a msg XXXX no return call to her and motion was granted before speaking with my attorney. payments were being made and sent to original lender and not be forwarded on in a timely manner.
Deptartment of Education/NELNET is reporting XXXX accounts 120 + days past due which is incorrect. My loans was originally in deferment while I was in school once I stopped going to school my loans was in forebearance which means no payments was due. NELET has been contacted several times and the last representative I spoke with looked over my account and agreed that I should not have any late payments reporting that it looked like the person who originally did my forbearance made a mistake, she gave me the information that I needed to dispute the accounts which I did and I have not heard anyhting back from NELNET. NELNET was also sent a certified validation letter which they have not responded to. If this false informoration is not updated or deleted I will see legal council and begin a civil suit.
I lost XXXX blank checks ( in my checkbook ) it was not stolen, but misplaced. I asked to have my checks stopped. there should not have been any fee on stopping a lost blank check, but I was charged for it. And in attempting to rectify the situation, service representative tried to put a hold on my account and close the account out, stating that it was policy to do so. 

It was averted, because I refused to give out my SS #, and problem was fixed finally by another rep in the supervisory role 2 hours later. 

However I wish to file a complaint for the service rep who deliberately mis-informed the customer and attempted retaliatory action in attempting to close the account when it was not needed.
I HAD A FRAUD ALERT PLACED ON MY CREDIT REPORT. I HAVE RECENTLY TRIED TO HAVE THE ALERT REMOVED, BY CONTACTING THE AGENCY, HOWEVER WAS NOT ABLE TO SPEAK TO ANYONE REGARDING THE REMOVAL OF THIS ALERT
I did not receive validation of this debt from Midland at any point. Furthermore, Midland has re-aged this debt which is a clear violation of the FCRA and my consumer rights. On my XXXX report, Midland shows the date opened as XXXX/XXXX/11. The account was closed with XXXX XXXX XXXX on XXXX after it was XXXX days past due. The FCRA states that a collection company can only list the original delinquency date, not the date they purchased the debt. This inaccurate information has been on and is continuing to damage my XXXX credit file. I hold Midland responsible for this FCRA violation. I will include supporting documentation. Please remove this damaging and incorrect information from my XXXX credit file.
INformation on the credit report with XXXX XXXX XXXX and XXXX XXXX was removed and it appeared on my credit report. It has been over 30 days since I have filed a dispute and they state that the information is correct from the furnisher and when I contact the Creditors or debt collection agencies they state that they never disputed any information with XXXX, XXXX, and Experian. 

I have asked XXXX, XXXX, and Experian whom they verified the information through and their statement are outside vendors and there are tons of those. I want to know which vendors they are using to get this information. 

When Notifying XXXX, XXXX, and Experian. They will not let you dispute information again. This should be illegal for them to do so. I would like for all three CRA send me a most up to date credit report ASAP.
I have loans out with get loan and XXXX XXXX. I am unemployed due to having XXXX children at home and the cost of daycare and they are saying I owe {$420.00} a month. I had tried sending payments of {$20.00} at a time but they send them back to me, they said they won't take partial payments. Last month I called to see what else I could do and was given 5 different phone numbers to call that were suppose to have my account and they all said they didn't have my account and have me another number to call. Please help I don't know what to do to get them paid off. I am {$30000.00} in debt because of this.
I've tried several different ways to get my score and report online and I can't. I'm quite concerned and need to know what to do.
On XX/XX/2018 there were two unauthorized transactions placed on my debit card followed by five large ATM withdrawals ranging from $ XXXX- {$1000.00} leaving my account in the negatives ( with the inability to withdrawal anymore ).  Once I checked my online banking, I noticed my card was missing and I immediately called Bank of America and filed in a claim as well as a police report. The bank eventually closed my account and denied my claim stating I said I wrote my pin number down when it was clearly stated in my police report and verbally stated over the phone that I did not write down nor give my pin to anyone. The bank reconsidered my claim and once again was denied based on reasons they would not disclose to me. I asked for my claim to be reconsidered for the third time, begging to speak to any investigator who was working with the claim and again it was denied as a final decision. Bank of America claimed that someone called in asking for an increase in the amount that can be withdrawn. I never approved of this nor was I aware of this until after the matter. I have asked multiple times for the ATM cameras to be pulled as well as the voice recordings per telephone calls.
A collection agency has garnished my pay. I did not receive any notice of this lawsuit. This is for a very old credit card that I paid & closed 12 or more years ago. It was a credit card with a {$300.00} credit limit from XXXX XXXX, which is no longer in business. The claim I had a debt of over {$2600.00}. I paid the small balance and closed the accouint many years ago. This is not a valid debt plus I was not notified. They have already taken over {$800.00} from me. I do not know what to do at this point. Can you help me?
TransUnion removed unauthorized inquiries from my credit report only to turn around and put them back on when they had a glitch in the month of XX/XX/XXXX. I contacted them XX/XX/XXXX and explained that I was seeing these inquiries along with a collection and was told that it would be taken care of and removed. However, fast forward to today XX/XX/XXXX and only the collection has been removed and all the inquires dated from XX/XX/XXXX to XX/XX/XXXX ( XXXX ) total that were not authorized by me still remain. I called again and spoke with XXXX who stated that anyone can run my credit anytime they feel and the inquiries will stay for 2 yrs. He then transferred me to XXXX who is suppose to be a supervisor who stated the they never were removed and will remain regardless. Now I have been patient with them and tried to understand that all companies have computer issues at times but this is getting old. My inquiries were removed and they were suppose to stay removed. Not get put back just because your system had a glitch and then you never notified me that you were putting them back. It is my legal right to be notified before you just go and start putting things back on my credit file. I never received my 5 day notice to do such a thing so therefore TransUnion is in violation of my rights. These inquiries add a hardship to my life as I 'm trying to buy a house. I ask that you please make TransUnion be responsible and stop victimizing me along with others. As a resolution I request that TransUnion delete all of the said inquiries in question permanently from my credit report as a violation took place when they illegally added them back. Thanks for your time.
My Husband and I entered into a sale agreement with individuals ( XXXX XXXX and his wife XXXX XXXX ) to sell our home located at XXXX XXXX XXXX XXXX Va XXXX <P/>The initial contract called for a XX/XX/XXXXsettlement. All parties then amended the contract noting aXX/XX/XXXXsettlement. OnXX/XX/XXXXour Real Estate Agent was notified at XXXX EDT that settlement would not occur on XX/XX/XXXX Sun trust Mortgage would not explain, nor tell us when we could close. Their staff made a mockery of our requests. The Real Estate Agents could not make any progress.
<P/><P/>Movers, Housing, plans had made made well in advance. Addendum settlement date was dated XXXX. XXXX XXXX and XXXX XXXX established this Bureau to help ensure that consumers were dealt fairly and equitably. <P/><P/>We initially payed and extra {$770.00} ( see cd attatched ) for an extended 60 day lock. Now, without any guidance regarding when eventual settlement would occur, we were forced to secure an extra 7 day lock for a cost of {$660.00} Sun trust never made the update in their system. <P/><P/>Thus we are requesting {$1600.00} from Sun Trust as a result of their negligence. <P/>I am a XXXX XXXX. XXXX XXXX XXXX XXXX, serving on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX <P/>I am also XXXX XXXX XXXX with my XXXX XXXX I expected better treatment from the mortgage company employees. I expected to be treated equitably. And mostly, given the fact that being in limbo for 5 days is less than highly conducive to XXXX relief given my condition. <P/>I am not requesting temporary quarters compensation, nor any other " hard '' cost that I may have absorbed. <P/>Pay my family for the locks caused by your negligence. Make us whole. <P/>Best, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va. XXXX
On XXXX I attempted to make a on line payment agreement but in error I made a payment and a payment arrangement for the amount ( {$350.00} ), got a receipt of the transaction an realized it was wrong immediately called XXXX and spoke to a representative who fixed the issue but did n't reverse the full payment of the above amount. It hit may account after I was told it was taken care of by XXXX associate who set up payment arrangement but did n't reverse charges of full payment. Wellsfargo allowed the payment process even after I called to stop payment stating it takes 10 business days for them to investigate in the mean time my account is in the negative. Contacted both my bank and the merchant with no return call from either company. During this time I was charged for insufficient fund for XXXX accounts XXXX, XXXX and XXXX which I should not be cause it was due to insufficient funds the bank caused my account but now each one has charge me {$35.00} a piece for insufficient funds which I did not cause and was in the allotted time under investigation. I was told by an agent that all charges would be reversed and handled due to this inconvenience to me but they are charging me {$100.00} for insufficient funds which I did not cause while under investigation. I am very dissatisfied with the out come and need to understand why it was not communicated to transaction department or in my file that my account was under investigation for XXXX and that any money coming into my account was not a part of the status that the bank caused ( a direct deposit was made from work on XXXX ) once I informed them that I needed those funds reversed back to the merchant.
Upon looking into licenses to practice in my state and whether everything was current i noticed that telerecovery has a list of businesses listed. But the one that is a debt and collections agency, which is the one that is attempting to collect a debt, has an expired license and it has been expired since XX/XX/2011.Therefore they are not able to collect from me without a valid license.
the original collector never summited claim to my medical insurance.today i contacted my medical insurance they asked for creditors number to call to get the original collectors number the debt collection agent didnt have that information. my insurance was going to have them re-summit the claim. she was surprised they didnt have any contact with the original creditor.i disputed and disputed still nothing XXXX XXXX insurance takes that debt.this company just dont respect people