WillisBack/dataset-financial-user-claim huggingface dataset:
This is an account that I had with XXXX over 10 years ago. I receive a garnishment on this account in XXXX. So I paid & XXXX on a {$500.00} credit card bill. I paid it because I knew that I did owe XXXX. I got behind on all my bills in XXXX, because I lost my job and I had to take lower paying positions. I never received a summons from the court to appear for this judgment. Today I received a garnishment for the same account for XXXX for # XXXX from Frank & Kramer stating that they gave me a {$1800.00} credit on {$1400.00} judgment and that I owed {$1300.00} in post judgment interest. My credit limit was only {$500.00} and the statute of limitations is over on this account the original judgment date is XX/XX/XXXX and I received the first garnishment in XXXX. How can I be sued for claim that I never received a court summons on. This issue was resolved by the CFPB back in XX/XX/2016 case # XXXX and Frank & Kramer dropped the garnishment against me stating it was paid. They started another garnishment for the same account in XX/XX/2016. They have taken a total of {$770.00} addition money out of my pay check. As I stated above this account was paid in full back XXXX. I would like a refund of the additional money taken out of my account. Thank You
My father ( deceased ) had a reverse mortgage on my childhood home. After he died the mortgage company ( Financial Freedom ) said that I, as legal heir, would be allowed to purchase my father 's home for 95 % of its fair market value. They sent an appraiser who took a photo of the front and rear of the house and added a {$450.00} appraisal fee to my father 's account with Financial Freedom. The appraiser never even came inside ( my family and I were living in the home at the time of appraisal and were in fact living with my father before he died ). The appraisal came in at $ XXXX. The $ XXXX was very near the assessed value posted by the board of assessors. I suspect that some percentage of the assessed value was used in lieu of a real inspection and appraisal. This phony appraisal meant {$120000.00} to me using the 95 % figure. I told Financial Freedom that the property was not worth {$120000.00}. This was confirmed by a real estate agent, and friend, who lived next door. I told Financial Freedom that I wanted to get my own appraisal and they said only their appraiser could be used. In XXXX 2015, my father 's property was sold for $ XXXX to a total stranger. I feel completely cheated by this dishonest appraiser, Financial Freedom and XXXX XXXX ( the buyer at auction ). My real estate neighbor predicted that they would be very lucky to get $ XXXX for the house. How right she was. My husband is a veteran and has access to a VA Loan. We would have gladly purchased my father 's property for the $ XXXX ( real fair market value ) but were never even notified that they would sell it for $ XXXX less than they originally told us. Completely unfair and immoral and criminal in my opinion.
My wife signed a lease where we were insured that there was a Military Clause. We toured the property together in like mid XX/XX/XXXX and they copied my ID. My wife signed the lease on XX/XX/XXXX which is clear even on the paper they sent us to prove that there was no Military Clause and the had no idea I was going to the Military, but the Lease copy they sent us has a Military discount. Also I left late XX/XX/XXXX to report to a hotel to meet my recruiter and was sequestered at a hotel to wait for all the other recruits. On XX/XX/XXXX I was starting my first day of basic training in the XXXX. So there is no way that I was in XXXX at all. Even the debt collector said our names were written in different color ink. But he " handwriting expert '' says the signature on the lease looks like the signature on my ID. She sent us the paper and what it is, and what it looks like is someone trying to copy my signature. I sent the collector proof of my orders that specifically show that I never signed a lease or even lived there. I went straight from basic training to XXXX to being XXXX in Alaska at XXXX XXXX. My problem is that falsifying my signature made that whole contrast null and void.
I am being contacted by a company called Navient that has refused to validate the debt but is pursuing collections. I do not recognize the debt. I have sent two letters for validation and each time Navient has refused, stating I am not the legal party. I have included all legal information required for validation including name and supposed account number.
I saw the Citibank thank you preferred card ad a couple months ago about the offer that I can get XXXX bonus point when I spend {$1500.00} within first 3 months if I did n't close an old thank you card account within XXXX. This is my very first credit with citibank so I went ahead and applied for it, I got approved, spent a couple thousands. Only later I found out the offer was n't applied to my account, so I called them asking about it, the manager I talked to said she will be able to help me to put this offer back into my account and will call me back when this is done. I waited for a month and a half, never heard back from her. So I decided to call in again today, I spoke with another manager and he offered me XXXX points instead of XXXX which I was supposed to get. That is XX/XX/XXXX of what I was offered.
I received a collection notice for {$1500.00} from Simon 's agency Inc. dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I notified them that we are disputing the validity of this debt as : 1.We were billed for services not performed. 
2.We did not authorize some of the services that were performed. 
3.Some of these charges are for fraudulent billing. Simon 's agency has been notified about this. 
4. My insurance and I have already paid them about {$1600.00} Instead of providing us the requested info Simon 's Agency reported this amount to credit bureaus both as " unpaid '' and " collection '' in an attempt to damage my credit report. When I wrote back to them they informed me that they have reported the account as disputed. However, none of the credit reporting agencies is reporting the account as disputed. 

In spite of my repeated requests Simon 's Agency has not properly investigated this matter and has not provided us the information that we requested. I last wrote to them on XXXX/XXXX/XXXX. 

As a result of misreporting of this information to credit reporting agencies My credit score has dropped by about XXXX points.
Today I recieved a call from a debt collector XXXX XXXX saying they were going to collect a medical debt from XX/XX/2017. I have not lived in the state of ohio for years and this debt is not mine. They said it was submitted by XXXX XXXX XXXX for a XXXX XXXX ( NOT my dr ) and the address used was for a house that we have not lived at for years. This is a mistake. I emailed the billing department of XXXX XXXX XXXX to try to clarify, but I want this taken off my credit report and they need to remove the debt from my name ....
On XX/XX/XXXX I received a statement that indicated a balance of {$180.00}. I called customer service and was informed that a online purchase occurred on XX/XX/XXXX in the amount of {$40.00}. I was unaware of this charge due to the fact that I did not receive a mailed, paper statement until that day. The customer service representative stated that my account was signed up for paperless statements and was being sent to an email address I formerly used. I do not recall ever opting for paperless statements. Additionally, I do not shop at Macys that often to warrant frequent review of the account online. Consequently, the account accrued several months worth of late charges in addition to the original charge. I did not make the purchase and will not pay for said purchase and late charges. My positive credit standing that I have had for close to 30 years to is now diminished due to their billing practice. I have proceeded with a fraud claim with Macys. It remains to be seen if they will investigate, reverse all charges, and report to the credit report agencies accurately.
On XXXX XXXX I received a call from XXXX of J.P. Morgan/Chase Bank Email Service dept indicating that they had pulled my Credit Report in error. I do have a Chase Unlimited Freedom account for 10 months, however I had NOT requested any services. XXXX had shared that the error had been fixed and it would be transparent to me. The following day, XXXX XXXX, I receive an alert from XXXX and XXXX that an inquiry had been placed on my credit reports. My credit score decreased by XXXX points on each credit bureau. On Monday XXXX XXXX I called Chase regarding this issue and was transferred to a supervisor, XXXX XXXX. XXXX indicated that my account was documented that an error had taken place and assured me that it would take 3 business days for the inquiries to be removed. I received a letter dated XXXX XXXX indicating that " As you requested, were no longer processing your application for a credit card issued by Chase Bank USA , NA. This truly angered me because I had not requested credit. There is no application and this letter was dishonest and misleading. Then another letter arrived dated XXXX XXXX from Chase thanking me for contacting them about the inquiries shown on my report. They now said that instead of a three day turn around to remove the credit inquiries, it could now take 6 weeks. When I called Chase to get explanation for for the letter dated XXXX XXXX about my request for credit, XXXX XXXX said, did I think that I would receive a letter from Chase admitting their error. I did call the Executive Office and spoke to a XXXX who indicated that they are the largest bank in the country and no promises could be made as to when the inquiries would be removed. I asked to speak to her manager, XXXX XXXX. I left a message for her and never received a return call. MY last attempt on XXXX XXXX, I called XXXX XXXX, the Supervisor at Chase credit card services and she made it very clear that given the size of the bank, no promise of when the inquiries would be removed. XXXX made it clear that no personal attention could be given and if the inquiries are not deleted from my files, it 's between me and the Credit Bureaus and there is no reason to call them back. 
I have banked with Chase for over 20 years and their behavior and pompous attitude has me truly rethinking of banking elsewhere. Chase created this issue and now refuses to see it through. The inquiries dated XXXX XXXX 2016 remain on my XXXX and XXXX reports and has impacted my score. Any assistance to get Chase to answer for their actions and get the XXXX inquiries off of my credit file would be most appreciated.
I have a student loan that was sent to a debt collection called TransUnion. I have never received mail from this company stating that my debt was forwarded to them. I had to find out through XXXX XXXX. I have never received a call from this company about my debt. I have tried to get a hold of TransUnion for several months since then, but no one ever answers my calls. I have even left voicemails with a phone number to reach me at, still no replies or calls back. On XX/XX/XXXX, I filed a dispute through XXXX XXXX. The dispute was submitted to TransUnion that same day and was under investigation the day after. TransUnion received my request on XX/XX/XXXX. The company had 30 days from then to respond. Today is XX/XX/XXXX but the dispute status still says " under investigation ''. I have not received a response by phone or by mail.
I 've placed fraud alert on my credit report due to identity thief I 've reached out to, XXXX XXXX and Transunion informing them this XXXX XXXX XXXX Acct # XXXX acct does n't belong to me. I 've even asked for acct verification with my signature, I have n't yet received this information. I 've called numerous time and have talked to customer service. 

XXXX : Dispute # XXXX, XXXX, XXXX, XXXX XXXX Dispute # XXXX, XXXX, XXXX, XXXX, XXXX Transunion File # XXXX - I 've sent XXXX disputes and 4 pone calls
I have already sent XXXX letters to the company in question. They have yet to comply with either XXXX. They keep calling and bothering me about some account that I know is not mine because I have never heard of this place.
On XXXX XXXX, XXXX, I made arrangements with the 53rd Bank # XXXX, XXXX, XXXX to settle my outstanding debt in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that all XXXX of my credit reports were not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I mailed a letter to the creditor to request that they uphold our agreement and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX the creditor has not removed the account from my credit reports, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts the debt is still being illegally reported and they accepted the terms of our agreement by cashing the checks. My credit bureau disputes are being ignored and my consumer rights have been violated.
I received a notice that this company will no longer be pursuing this account, because they are not able to verify the " debt '' but it it still showing on my credit reports.
I hired a local company to fix my hot tub. He completed part of the repair but then never came back to finish the repairs. I prepaid for all repairs on my credit card. Since he never came back to finish the repairs and would not return my phone calls I disputed the unfinished portion of the repair ( about half of the total credit card bill ). He then sent me to collections for the whole amount, plus another unidentified {$760.00}. The collection company has identified that I still owe the payments even after verifying payment. The said they sent me a verification of debt, which I never received. I asked them to help me understand their collection process and said I would pay what is owed, just not for uncompleted repairs and false promises. They said I owe the debt immediately and that I will be reported to the credit bureaus. I have fully contested the collections with letters dated X/XX/2017 and X/X/2017
all  XXXX  bureaus fail to remove  XXXX   XXXX  from  XXXX  years ago!   no replies no response numerous request to investigate with no action taken
I was approved for a personal loan with ARMED FORCES LOANS OF NEVADA and discovered a lot of unethical business practices and fees. The company assesses an ADMINISTRATION AND ORIGINATION FEE is 75 % of the loan. I was funded XXXX which included an administration fee of {$1000.00}. There were some other fees assessed, but I believe this company is taking advantage of MILITARY SOLDIERS.
Citi Bank Credit card have unusual way of computing their interest rate. They have created a flexible billing ( fluctuated cycle ) so they charge their customer more interest regardless of when the card 's payments were made. I do not think this is right, billing cycle should be adjusted so it will be the same each month. Citi Bank Master card charged more interest in XXXX 2016 than XXXX 2016 although the balance in XX/XX/XXXX was less than XX/XX/XXXX.
I obtained a copy of my credit report in XX/XX/2017. In my review of the report, I noticed that XXXX XXXX XXXX was reporting I allegedly owed them {$450.00} and that it was past due. I promptly submitted a dispute to the credit bureaus as well as XXXX XXXX ( see attached ). My concerns were ( 1 ) why did I not ever receive any notification from them ; particularly the dunning letter informing me that they were attempting to collect a debt. ( 2 ) If they are indeed a third party collection agency, how then do I have terms of 1 month with them? ( 3 ) I requested that they provide supporting documentation that reflected a summary of all account activities including all payments, late charges, interest, etc. ; copies of all documents sent to me regarding the account, copies of papers bearing my original signature that show I agreed to pay what they are alleging I owe and proof that the statute of limitations has not expired on this account. 

I received none of the above. In fact, the attached documentation sent by them to me dated XX/XX/2017, almost 60 days after my initial request ( which is a violation of my rights as they were supposed to respond within 30 days ) ; reflects that they do not have any information to validate the entries they are reporting on my credit report. Also, note that the company did not attempt to contact me to request additional time to investigate ; they chose to disregard my rights under the FCRA as well as mandates in accordance with FDCPA. 

Lastly, if this is indeed a medical debt that belongs to me, where is the documentation to support that I gave XXXX XXXX permission to share my medical records with this company? Further, this company is reporting 2 different opening dates among the bureaus, yet another discrepancy/inaccuracy within my credit report as well as reporting that I am past due on one bureau and not past due on another. 

XXXX is blatantly damaging my credit score as they are reporting as a data factoring company and this is wholly unacceptable and not true given that they stated they do not have any documentation to support this erroneous reporting. 

This entry should be deleted from both my XXXX  and XXXX reports immediately.
We moved from XXXX  to XXXX in XX/XX/2017, paid off our utilities, changed addresses, etc. It turns out that XXXX XXXX  XXXX, in XXXX had not finalized their billing and sent notices to our former address, claiming {$240.00}. It caught up to us when a collection agency came after us. We asked for evidence which they never provided in an intelligible format. Attempts to communicate with them was like speaking to 3 year olds. We finally sent them {$100.00} to get them to stop harassing us as payment in full. They accepted the money then sent our case to Experian who quickly dropped our credit score by over 100 points. 
We contacted Experian and they said they automatically believe collection agencies. Not consumers. We called XXXX and they told us how they had arrived at the numbers and we agreed to pay. When prodded, though, they said it was not up to them to remove any negative remarks on Experian, it was up to Experian. We called Experian and they said that was not true. It is up to XXXX. 
We are willing to pay XXXX but if neither party takes responsibility for removing negative comments on our credit to restore it ( It is still close to XXXX on bpoth XXXX  and XXXX ), then why should we? 
Can you help us navigate through this nonsense and get the parties to agree to clean up our credit if we pay the {$140.00}.? 
Thank you CASE AT EXPERIAN is Report Number : XXXX
Initiated dispute with credit card company over a purchase made for XXXX dollars. I had first contacted vendor, received no response from vendor. Contacted Chase XX/XX/XXXX to initiate dispute. Received confirmation from Chase that they were investigating the dispute. XX/XX/XXXX Chase requested more information from me. I submitted additional information to Chase in the form of a letter sent via their online dispute system, XX/XX/XXXX. I received confirmation via email from Chase that they had received the additional information I sent them. 

XX/XX/XXXX, received response from Chase that made it clear they had not read the additional information I sent them. Chase indicated they were closing the dispute. Since it was clear they had not read the information, or done any investigation whatsoever, I immediately contacted Chase to reopen the dispute and reiterate that they needed to take into account the additional information sent to them. XX/XX/XXXX, received confirmation from Chase that they had received my request and were reopening the dispute. Email said " payment of amount in dispute not required while dispute is being resolved '' To sum up, Chase reopened this dispute on XX/XX/XXXX, and then did not contact me again regarding this dispute until XX/XX/XXXX. The dispute remained unresolved for well over 60 days or two billing cycles, a clear violation of the Fair Credit Billing Act. 
When I called Chase and spent over an hour on the phone trying to explain this to XXXX XXXX, he claimed that he had never heard of the Fair Credit Billing Act. Since XXXX XXXX XXXX was the Chase employee in charge of this dispute, he was in ignorance of laws protecting consumers from unfair practices and in his ignorance, he allowed this dispute to go on well over the allotted time period. XXXX XXXX was extremely rude both on the phone and by letter, claiming ignorance of the law allowed him to ignore it. 
Obviously, since XXXX XXXX allowed this dispute to sit unresolved for a year, I can no longer attempt to follow up with the vendor -- this is why the law was enacted, so that consumers would be protected from banks like Chase allowing dispute to go on and on and then deny them when consumers no longer had any other recourse.
VIOLATORS OF FDCPA, TCPA CEASE AND DESIST COLLECTION EFFORTS PAID ORIGINAL CREDITORS ALREADY
Capital One reported to the credit bureaus that I did make a late Payment on my account in XX/XX/2017. The credit bureaus have reported the payment history of XX/XX/2017 as a 30 day late payment. I spoke with the company today to resolve the matter and to dispute an inaccurate claim. Payments were MADE in XX/XX/2017 and Capital One needs to address its inaccurate reporting immediately from each credit bureaus.
When I logged in to my Equifax account, I received a message to contact Equifax 's customer service as a result of my attempt to confirm whether my credit freeze had become effective. I called customer service on XXXX XXXX, 2017 at approximately XXXX XXXX, and was in their queue for just over three hours, which was twenty minutes after their customer service department closed down. During that time, in their recorded message, they had the nerve to try to cross-sell their products, and never mentioned that their customer service hours had ended. 

Considering the exposure this company has put me in, I would expect they would be more proactive in helping consumers, such as me, to make sure we are protected. Apparently they do not agree with me. I have never had to wait like this. Their solution is for me to submit something in writing and they would respond within 48 hours. As a senior, I 'm not willing to wait that amount of time while the confidentiality of my personal information has been compromised and being exposed to identity theft and fraud. 

They should be thoroughly investigated for their inadequate business practices and be held responsible for their actions ( and inactions ).
I would respectfully like to file a complaint against XXXX XXXX XXXX I Never had an account with XXXX XXXX XXXX nor a credit card from such back
I have a checking account with Wells Fargo. Yesterday, the bank authorized my auto insurance agency to withdraw funds from my account and bring my account into overdraft. I do not have Wells Fargo overdraft protection, therefore the transaction should have been denied. Instead, despite me opting out of overdraft protection, Wells Fargo authorized the transaction and covered my overdraft resulting in a {$35.00} service fee that once again brought my account into overdraft. In order to remedy the overdraft, I had my boyfriend transfer funds into my account covering the overdraft balance so I would not be charged any additional fees. We did the transfer the same day at around XXXX PST on a business day so there is no reason for the bank to charge my fee. Today, I woke up with a {$35.00} service fee for entering overdraft. The bank completely ignored my opt out just to take advantage of me and make a quick buck off of my account.