WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX XXXX am being pressured by a number of collection agencies that state they have a right to an administrative garnishment against my wages. Administrative garnishments can only be procured by the United States Government, period. My student loans are privately owned, and these private debt collectors are disguising themselves as collectors of federal debts that are private only. I have been harassed at my work and home with threatening phone calls, all in violation of my rights with the Fair Debt Collection Practices Act. I demand to know what entities own my student loan debts. 
I DEMAND A CEASE & DESIST ON ALL COMMUNICATIONS OUTSIDE OF WRITTEN CORRESPONDENCE!!! 
I DEMAND A COMPLETE FORENSICS REVIEW ON THE CHAIN OF OWNERSHIP OF MY STUDENT LOANS!!! 
I DEMAND A FULL REVIEW OF EXISTING STUDENT LOANS FOR A CONSIDERATION OF CONSOLIDATION!!! 
There must be a court order on any private debt, which would require a summons and complaint and an actual judgment. That is the actual protocol with my student loan situation.
XXXX is disputing this repayment plan and the fact that SPS did not do a full review, rather look at income alone and did a repayment plan. It is shocking that SPS is keeping the interest rate at a staggering 11.15 % and raising their payment by 2 times. SPS is increasing their payment by {$2300.00} per month. That is shocking. An interest rate at 11.15 on a first mortgage payment today would fall under section 32 TILA.
XXXX is requesting that you establish an affordable payment and take into account the hardship which detailed serious ongoing medical problems for XXXX XXXX.
XXXX made their first payment of {$3700.00} on XXXX/XXXX/17.
XXXX is respectfully requesting a full review and an affordable payment plan based on their household income minus medical bills that average {$1200.00} per month.
I have not paid any payments since XXXX 2008 on a dirt bike loan from SYNCB/XXXX. 
The other credit agencies, XXXX and XXXX have taken it off 6 months ago, but XXXX wont take it off. I called up the bank at XXXX XXXX XXXX and they sent it off somewhere 5 years ago, but they are on my credit report.
I signed up for a XXXX account in XXXX with a XXXX XXXX miles offer attached to the account. I met all of the requirements in order to receive the miles in XXXX, and also contacted Citibank through secured messages, calls and live chat to ensure that I was qualified and would receive the miles. All of the representatives confirmed that I met all of the requirements and the bonus would be posted in XXXX at the latest. However, I did not receive my bonus and decided to contact Citi. Citibank refused to honor this promotion by saying that I was not targeted for the promotion. This behavior is unacceptable as all of the representatives at Citi told me that I met all requirements and should get my miles. If I was not targeted, they should not have told me so. They delayed the time the bonus got posted and then refused to honor it in order to charge monthly fees on my account.
There is a major discrepancy being reported on my criminal record! I have NEVER been arrested for  XXXX  and the name on the report is pertaining to someone named,  XXXX    XXXX    XXXX !!! I have asked this to be corrected previously with no luck.     Search ID #  XXXX . Please correct ASAP!
I have asked XXXX to stop calling me from a local phone number. They insisted that it is not them. I have voice messages from them linked to the number. When I call the number it is an actual person 's phone number and she has had the phone number for over 10 years. My payment isnt due until XXXX, and they have been harrassing me all week.
I have been trying to get XXXX and XXXX to remove this item Now for over a year ... ... ... they keep verifying this as real with Chase and i keep requesting Validation which they refuse to give ... ... .from the information i do get it 's not my name ... ..it 's not my address ... ..and they refuse to verify Social security # ... ..i have sent letter after letter after letter ... ... ..finally Chase sent me a letter stating they did n't have the file with the documentation to support this debt ..a clear violation of the Fair Credit reporting Act ... ..but still nothing from the credit bureau 's even though i sent that to them as proof ... ... .i even tried to call the credit bureau 's ... they were extremely rude ... .they told me what their policy is ... when i tried to explain that their policy is not compliant with the law they said they would re-open an investigation but then nothing ever comes of it and they just move on with it on my report ..they had XXXX different social security # 's on my credit file XXXX of which did not belong to me ... .I had to ask them to remove them even though i sent them a copy of my Social security card they left them there ... .... attached please find not only the chase documentation backing up what i am saying they verify it but when i ask them to show me ... ..they say they ca n't cause they do n't have the doc 's to support it it 's like this never ending circle back and forth ... ..i even tried to get the credit bureau 's to bring chase on the phone and verify it with me ... ..Chase refused to come to the Phone unless i would sign some waiver and the credit bureau 's let that slide but when i told them that i was recording the call XXXX agent hung up on me and the other XXXX agents said they do not give me permission ... ... ..but they had to record me even though i refuse to give them permission ... ... it just never ends with them ... ... XXXX has already removed it due to unverifiable records and the company Chase says they sold it to XXXX has already removed it from all XXXX credit bureau 's with a very nice letter stating they it was unverifiable and ceased trying to collect ... ... Help please ... ... they refuse to ... .... attached PLEASE Find Documents from Chase themselves stating they do n't have the information cause they sold the debt ... ...
giving an update on ocwen, last week i spoke again with a very nice lady named XXXX, spoke perfect english, understood everything she said and she wanted to check on our application and she needed a month of when our hardship began. i said around XXXX, 2011 and i dont even know if thats true, it was a guess, so she said ok i will put it in here myself and send you to underwritting. well today at XXXX. XXXX called from ocwen and said his agent number a little off bc you cant understand anyone except XXXX but it may have been XXXX but not sure, he said we just need to know the month of when your hardship began. i bout died but i said maybe XXXX 2011.he says ok i will input that myself and get you back to underwritting then he reminded me i had an appointment with our relationship mgr. tonight at XXXX and when they called it was a lady her id was XXXX couldnt understand her name but she proceeded to tell ask me if i spoke with XXXX today and i said yes and she said well if you can fax me a paper stating what month your hardship began in we can get you to underwriting. this is like the XXXX request for a hardship date in XXXX weeks. XXXX are you guys out of your mind. now i just found out that i have a bad XXXX well no XXXX wonder the second leading cause of a bad XXXX is STRESS and let me assure you ocwen that since you have been doing my family this way since 2011, you are the cause of my STRESS
I have an XXXX loan from cash-n-go. Every time, Cash-n-go process my payments through direct deposit, I was charged for additional 12-14 days of interest. The reason was waiting for the fund to clear from my bank. I went to see why their so much time delay for the bank to pay the loan but XXXX said no that 's not the case. The bank pays the next day after the business process it. Chas-N-Go had charged me XXXX times such extended interest for a reason not mine or my bank 's fault. Cash-n-go has lied to me by stating false information, and they charged me {$200.00} each for a total of {$1000.00}. I was rubbed in a daylight. 

If needed I can present my paper from the bank and Cash-n-go. 

thanks XXXX
XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX 's collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than XXXX dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over XXXX dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. Experian solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( XXXX and XXXX  ). The data across the other credit bureau are not consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. Experian completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights. You can not just update an original charge off amount without proper validation. Even if the updated charge off was accurate the balance would be wrong as I made more than XXXX dollars in paymen in the last 60 days as reported by your agencies and the balance should be lowered and settled.
Coinbase will not allow me to withdraw my money. 

This is a scam company that wont allow a bank account to be set up therefore unable to withdraw!
On XX/XX/XXXX a Substitution of Trustee was filed with the recorders office by California TD Specialists on behalf of XXXX XXXX  because of a revolving line of credit that was taken out with XXXX XXXX XXXX ( Which was siezed by the FDIC ). We included this revolving line of credit on our personal BK ( Chapter XXXX ) in XX/XX/XXXX.
We also included the home in the BK and also included that the home was backwards at the time of the BK. We just recently found out that the Judge requested our Attorney to submit more document proof in regards to the value of said house. ( Which he did not ) In XX/XX/XXXX The note for the revolving line of credit was sold to XXXX XXXX  and we explained to them what had happened and they wrote off the debt and we did not hear from anyone for over 7 years.
Then the note was sold to XXXX XXXX, we spoke with them telling them the same story, and sent reporting documents as such. They said they would get back to us. Then we started to receive invites from foreclosure help vendors. We then called XXXX XXXX and they will not return our calls.
We then received notification from their Attorneys, I called them they said they could not speak to us, that we needed to call XXXX XXXX, I explained to them that they are not answering us, they had no further direction offered.
We have contacted Senator XXXX 's Office and are seeking counsel but we are trying all areas to save our house we have liven in for over 20 years.
I have disputed charges for services to my BarclayXXXX XXXX following the dispute process of the card issuer, by multiple telephone calls as well as via letter. The charges were for verterinary services provided by Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The services provided were of poor quality and were provided by XXXX school students who were not properly supervised by experienced veterinary clinicians, and resulted in the XXXX of my young dog. I have contacted the merchant, who has not resolved the issue, on several occasions prior to contacting the card issuer, XXXX XXXX. The credit card issuer has taken every opportunity to first discourage me from disputing the services, reluctantly entering the dispute, and contacted me by telephone today to inform me that while they had provided provisional credit to my account, they are now recharging my account and not pursuing the dispute because the charges were for services which were already rendered. I responded that of course they were already rendered, but that I still had the right to dispute the charges due to the issue related to the poor quality of the services provided ( the charges were for a total amount of {$5600.00} over 4 separate charges, made in my home state of Texas. I asked to speak to a manager, and was told that no manager was available, but that someone would contact me in a few days. It is clear that XXXX XXXX has no intention of complying with the provisions of the Fair Credit Billing Act by pursuing this dispute with the merchant.
I applied for a refinance through Caliber Home Loans, my existing Mortgage provider, in XXXX XXXX. This originated from a cold call from them to me and I only started this process because I had considered doing a refinance to complete some home improvement projects sooner than I had planned. 

Caliber has since added additional requirements and at each stage, when I have provided everything asked for, or available, a new criteria has been added. 

Now they are DEMANDING that I produce a relative who does not live in my home, and provide contact information for them. When I informed them that the only one I could think of was estranged, and repeated attempts to contact him failed, I provided the information for my child 's mother. 

I was told that this was unacceptable and it was required to be a relative, and since I mentioned that I have a child, I am now required to provide " all pages of documents ''. I have asked what " all pages of documents '' means and advised that if they were implying some sort of court order, that one did not exist and I could not prove the " non existence '' of something. 

The response was that if I did not comply with their policies, they will not process the loan. No response to my questions has been provided. 

This is after a considerable monetary investment of time away from work and out of pocket expenses for appraisals and inspections. 

This is discrimination based on family status and considering that this company had no problem accepting payments for the past XXXX years, they are actively denying a loan based on criteria that has nothing to do with the ability to repay a loan. 

I have the entire email thread to support this.
Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX etc. 

3-4 calls every single week, they don't have a valid debt they're trying to claim, have been calling for months and months, and have requested to be removed multiple times after telling them they don't have a claim. Nothing stops them from calling.
I rented a car from     XXXX   XXXX   XXXX   o n XX/XX/XXXX . I e xtended the ren tal three  times over the cours e of four  weeks. I extended my rental on three separate occasions. Each time I extended my rental I was told by  XXXX  they would be putting a hold on my account that would be applied to my final balance when I returned the car. I checked on my account i saw the holds that were applied each week. However when I returned the car there was insufficient funds in the account. Therefore my account was overdrawn by approximately {$650.00}. I called  XXXX  to see why the hold on my account were not applied to the bill. I was told my bank had to release the funds. I check my account the holds were no longer showing. I wen t to two s eparate Chase branches and I was told there was never any holds on my account, there is nothing they can do and I need to be more careful with my money. I called  XXXX  while in the bank and they gave my the dates and amounts of the holds.  XXXX  also told me if I had chase call they would give them the authorization code to release the the holds but the associates at  Chase r efused. The  XXXX  holds were  on  XX/XX/XXXX  for {$260.00},  XX/XX/XXXX  for {$270.00} and XX/XX/XXXX  {$220.00} totaling {$760.00}
On XX/XX/2018 I was attempting to purchase tickets for a show online. I made a agreement with the seller and we did a online transfer thru bank of america using XXXX which is the only option that it was giving me. Within 4 minutes of transferring the money I realized something wasnt right. I went down to bank of america which is 5 minutes away. I walked in and talked to XXXX. She pulled up the information and said ok good news it hasnt gone thru yet we can stop it. She then said I had to do it thru the mobile app and they cant do anything at the bank level. She put me on the phone with a agent who said the exact same thing. It was still processing and they told me no problem. Somehow I got disconnected from the individual. I immediatley called back and got a lady who again told me the same thing that they can stop it still. Well she sat there and basically said she doesnt know how to stop this. They verified it was going to XXXX XXXX  so they had all the info. She then blind transfers me to Loss Prevention. Who then transfers me to XXXX. Basically I have been told by my Bank Bank Of America that they have no way to protect the customer in regards to using XXXX. They explained that you have to basically dig a little deeper to do a treansfer thru them. Yet XXXX is all over their page and commercials.I have a police report and did everything Bank of America has told me to do. And then they come back and tell me sorry I have to fix it myself.
On XX/XX/2016 I sent a personal check via priority mail with tracking to Chase they received it on XX/XX/2016. They could not find it still as of this date. Consequently I wired payments of XXXX each for XX/XX/XXXX and XX/XX/XXXX payments for a total XXXX wire of XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX Pa. Branch manager XXXX XXXX from the Credit Union and an agent XXXX XXXX an agent for Chase completed the wire transaction. Chase did not credit my account as of yet. The funds have left my bank account 24hrs ago but my mortgage account has not been credited as of yet.
This was on my background check for employment : Court Searched Distric t And County Co urts Case Type Conviction Case Level Misdemeanor Case Status Closed Case Offense Date  XXXX  Offense Type Misdemeanor Offense Description   XXXX   XXXX   XXXX   Disposition Date  XXXX    Disposition PLEA NOLO CONTENDER Outcome Conviction 1. Sentence Type : Jail ; Sentence Length : 120 Days ; Consecutive/Concurrent : Consecutive 2. Sentence Type : Probation ; Sentence Length : 12 Months ; Consecutive/Concurrent : Consecutive Number ( 1 ) did not happen.
Only number ( 2 ) did ; plus it was 17 years ago!
Equifax is such a deceptive and dirty company. Oh wow.. I just applied online through XXXX 's website to see my report and Equifax popped up several questions of which did not appear to apply to me, to validate my identity. Not XXXX question applied to me. Which was very unusual. It leads me to believe someone other than myself has been applying or has applied for credit in my name. So Equifax told me that I was unable to view my report online and to send them certain information. I said ok. 

Later on in the evening I happened to be checking my email and I had an email from Equifax stating " We have recieved your " order '' and your charges will apply starting next month ( or something to that effect ) unless you cancel. I have not ordered anything from Equifax. Anything at all. Then Equifax stated " you can view your report at this link '' and the link then directed me to a website where the company was pushing promotional materials at me. 

How dirty and deceptive. America is going to XXXX. Companies have no ethics now. It 's all greed. 

I need an answer from Equifax why I was sent this email stating I had ordered something that would 'cost me money ' when I did not. 

I read a few online complaints regarding Equifax and there are several online where individuals are stating that Equifax " intentionally misleads '' consumers into believing we have been the victim of identity theft by putting up " all false and fake questions '' to verify our identity and then by denying access to our reports. There are many online complaints where people are saying this. If so, it needs to stop. Equifax already ships all of its jobs XXXX to XXXX workers they pay pennies per day who sound like mind controlled robots and who have no clue about laws governing credit reporting in the U.S. and now the company in my estimation is willingly misleading Americans to falsely believe we have been the victims of Identity theft just to hawk more products at us. SHAME ON EQUIFAX.
Midwest Recovery Systems never sent me a letter regarding alleged debt. This VIOLATES the FDCPA. They fictitiously reported to credit bureaus that I owed XXXX dollars to a business named XXXX XXXX XXXX. Once again, this violates the FDCPA. I have never done business with XXXX XXXX XXXX nor applied for a loan with them. I contacted credit bureaus and disputed. XXXX and XXXX are no longer reporting this fictitious account. XXXX continues to report because Midwest Recovery Systems continues to report this fictitious account to them. This is another violation of the FDCPA. This is nothing more than an attempt to extort money. Furthermore, payday loans have been illegal in the State of Arizona since XXXX XXXX, 2010 according to the Arizona Attorney General.
The databases of the Equifax Credit Bureau were breached at some point ( presumably shortly ) before XXXX XXXX, 2017. The bureau refrained from alerting to the breech for nearly two months, and the executives of the company dumped stock, indicating that they knew the impact that it would have on their company. My PII ( personally identifying information ) is believed to have been compromised in this data breach, and my identity is now subject to theft and abuse by an unkown number of criminal parties.
on XX/XX/XXXX I requested trans union to correct the following account-XXXX-account number-XXXX, status and remove the incorrect remarks, the correct status-paid/closed, the remarks was totally wrong, no other company paid for this account, I paid it in full XX/XX/XXXX.when it was charged off.my XXXX form showed that.the reply back XX/XX/XXXX file number XXXX has the same information on it.All I want is a correct credit report, from this credit reporting company
I have a auto loan with Wells Fargo dealer services. I called on Tuesday XX/XX/XXXX to close the loan. I was told Im not allowed to make payments over {$4900.00} and would have to make 5 separate payments over the next 5 days but only 2 payments can be scheduled at a time. Or I would need to pay {$65.00} for a wire transfer fee and estimate the days required for them to process it and add additional interest. I dont feel its right to be forced to pay interest because the bank cant handle a payment. After looking at all payment options it appeared to be cheaper to make 5 payments of {$4900.00} until it was paid off. However the first payment I made they applied to the next 4 months of payments rather than the principal and charged additional interest on top of the daily interest. I am now forced to drive an hour and pay cash in person at the bank. I dont think they should make you jump through hoops to make payments and charge interest whenever they want. The customer service representatives stated that anything additional would be applied to the principal. That was a lie. It was applied to the next 3 payments and additional {$18.00} in interest was charged. I always pay on time and have had multiple car loans. No other loan company has ever been so dishonest or make it so difficult to make a payment. They would rather just squeeze you for as much interest as they can.