WillisBack/dataset-financial-user-claim huggingface dataset:
My ex wife and I purchased a car with ford motor credit, we got divorced in late XXXX. She allowed this car to be repo and filed bankruptcy on the debt ( since in the divorce decreed, per the judge, she was given the car and the judge removed me from all responsibility with this debt ). In XXXX, before I was about to be transfer to my new command in Oklahoma, I received notification regarding being suited for this auto loan. I tried to contact the law firm and received no response from them-They refuse to call me back. I went to court and I should the paperwork of my divorce and other document to the judge. He proceed to dismissed the case, and told the attorney that they need to come back to court when they can prove their case properly. I thought it was done. In XXXX I'm XXXX in XXXX and filed out that I'm being garnished for a auto loan that I wasn't served on after the court case in XXXX. I can't pick up the phone and call the law firm-I 'M IN XXXX. By the time I get back- I'm sent back to XXXX  XXXX and then TO XXXX XXXX Ks . I have tried to contact this law firm and ford motor credit and can't get any responds back. THIS GARNISHMENT HAS BEEN GOING ON FOR ALMOST TEN YEARS-The problem with judgment is, Virginia Court System Clears their system every about 5 -7 years, so I can't find anything on this original judgment other then the garnishment paperwork. They have taken from me a total of XXXX on a car and I still owe XXXX. And the best part of this issue, the car didn't even cost that much in the beginning.
Based on their random credit score check, XXXX XXXX   reviewed my account and received a letter dated XX/XX/2018, pulled my credit score and determined that my account is closed immediately.
Someone calling him/herself " XXXX XXXX '' has contacted me multiple times attempting to collect an alleged debt. I asked " XXXX '' several times to provide the account number, the name and address of the alleged creditor, and verification that " XXXX '' is authorized to act in loco creditore. In addition, the website for " XXXX '' does not function. XXXX has refused to provide all of the information I requested.
I have contacted XXXX XXXX and Equifax in the past to have them remove fraudulent inquiries on my report. I kept getting alerts that my credit file was pulled when I haven't been applying for credit. They are refusing to remove them and is advising me to contact each individual companies to have them removed. That is not my job and is time consuming I think I have some identity theft that they are trying to cover up or credit inquiries that were reinserted after deletion. 

Inquiries - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
My credit card number was used fraudulently in XXXX 2015. Capitol One notified me of the charges and I identified all XXXX of them. I was given a new credit card with a different account number. But Capitol One incorrectly noted the charges as " adjustments, '' so they have shown up on my bill as " purchase adjustments '' instead of " fraudulent charges/credits. '' I have spoken to them XXXX times about correcting the error, which now has been duplicated several times. There is a cycle of incorrect " charges '' and " credits. '' The issue has been with Capitol One 's fraud department for several months, but it is still not resolved. My statements are incorrect.
I received a loan from XXXX ( owned by BlueChip Financial ) in XXXX 2017 of {$300.00}. I did n't realize at the time that I was signing up for a loan with such an absurd APR and payment terms of 10 months. I have paid a total of {$730.00} against my borrowed {$300.00}. Of that total amount paid, only {$49.00} was applied to the principal balance, while the remaining {$680.00} went towards the interest fees. I have also recently learned that XXXX is a tribal lender, which is illegal in the state in which I reside, Missouri. Neither BlueChip nor XXXX are licensed lenders in my state, so the contract I signed is null and void.
Was never notified of this debt. Wasnt allowed to write a check on XX/XX/XXXX When I first called I was told that there was no debt on file and my account with them was clear. They then came up with 3 checks they said needed to be paid and it would take days to clear before I could make any purchases. They are trying to collect on a debt from 7 years ago. The debt is not even on my credit report but they are denying my purchase. Originally they said I didnt owe them and there was no records saying I do. Then they kept transferring me to different people who had bad phone lines where I couldnt understand what they was saying then I was transferred to the XXXX where she did not speak clear and her phone line made it even more difficult to understand her. Each time the representative kept requesting payments for 3 checks that are 7 years old. I just wrote a check last week to one of the stores they claim I owe money to from XX/XX/XXXX. I got it verified and it went through with no problem.
I paid off an auto loan I had with Ford Motor Credit, back in XXXX of 2013. I demonstrated years of consistent on-time payments on this loan. However, it recently came to my attention that Ford Motor Credit is reporting this account as a repossession. Nothing is further from the truth. This account was paid as agreed, and closed in good standing, over 5 years ago.
My account with Bank of America is  3 ho urs which is causing me to not be updated on time and becoming overdrawn at times
Transunion has many items that were reinserted back on my credit report due to fraud. 
The company refused to remove the items that were stolen under my social security number.
in 1998 deposited XXXX $ in a XXXX XXXX XXXX IRA also in my daughter 's account for XXXX $ My children XXXX went to college -- i supported themwe did n't use this IRA. I Moved XXXX and when i returned home -- had time to go through my records and remember i filed it but did not get a refund. XXXX my children are adults in their XXXX 's. I contacted XXXX Securities many times but they could n't located my records ( as you can see my notes on the paper work, I was transfer to many departments who basically said they could find it -- i should contact the local who set it. so i did some research but the agent no longer worked at any of the offices here in XXXX XXXX but i tracked down agent who agreed to help me find this account but she too could not figure out what happened to my funds because i had a statement -- but she did not give she continued to research and realized that XXXX had sold some of accounts/money market funds ( i do n't the correct term and since the account numbers were not in there records it had be XXXX of the accounts that sold XXXX Right away i contacted Wells Fargo -- an confirmed that yes they buy some of the fund things from XXXX but since my account was so old- they would have to do research and that would cost. The fee they wanted to charge me to do it was unreasonable and almost more that the funds i had in my small IRA. The conversation was disturbing that i decided to wait and just walk in to a Wells Fargo to ask for help but i was frustrated and not sure what to do because after agent tracked it down or at least could tell by my account that it was an old XXXX number.
I keep on getting medical bills at my address in which my dad has passed since XX/XX/2016.
I have a credit card ( ending in XXXX ) with Discover Bank. 

There have been several issue with this card and Discover is handling this very poorly. 
My credit line is {$3300.00}. A couple of weeks ago, I paid for some airlines tickets ( total $ 1,600.00+ ) through XXXX , so my balance was a little higher than that. That means I still had approximately {$1200.00} credit. 
Due to some glitch ( es ), either on the XXXX or the Discover side, a duplicate charge for the same amount showed up on the credit card which effectively went over my credit limit. It stayed there, pending for approximately 1 week before Discover/XXXX  removed it. Discover said it wasn't them, that it was the merchant although I still can't figure out why they'd let them attempt to charge me twice without texting me about either of the charges to approved or deny ( as they've done in the past ). 
Finally, the duplicate charge was removed after about 7-8 days which means I still had approximately {$1200.00} in credit. 
I had a couple of charges from other merchants that got rejected because of the XXXX charges. But now I hoped I could start paying bills. Well, not really. Because even though my credit should be the one mentioned above, Discover says I only have {$6.00} credit. There are no charges on my card and as you can seen, the billing activity only shows $ 1,700+ in charges. As of now, it looks like my card has been blocked due to these various issues for about 10 days. 
I don't understand why Discover keeps doing this. It's not only bad math and that's alarming enough coming from a credit card company but it's an unfair, sneaky, misleading practice that is putting me in danger of incurring late charges from merchants that I can't pay because of this problem. 
Why was I not protected from the duplicate charge from XXXX? Once that got removed, why is my credit only {$6.00} when it's supposed to be {$1200.00}? Why is Discover taking so long to update my account and why am I not being notified of potential issues with my credit line? 
Again, this is not the first time this has happened. Even though Discover says I have credit for XXXX, I've seen that when I go over {$2000.00}, my credit gets blocked. When I ask questions, their explanations usually seem designed to shut me up or mislead me as to what's really happening with my credit. 
I want my card unblocked and my account updated with my real credit line. If my credit line is really only {$2000.00}, then why is Discover making me think it's {$3300.00} and then doesn't let charges go through? And I would really like real time updates to my account history and more expediency resolving billing/transaction issues ( not 8, not 10 days to resolve seemingly simple issues ). 

Thanks
Transunion has not removed 2 inquires from XXXX XXXX after being given documentation from XXXX to remove inquires not authorized.
We are working a short sale on this property. The 2nd lien with Five Lakes is not being cooperative. They are stating they wo n't move forward with the approval letter that we have from the 1st lien holder for a few reasons. 1st : They do n't think the file should be approved for HAFA because the HAFA program ended XX/XX/2016. But that means that the short sale just needed to be started by then, not approved by then. I have explained this to them and they wo n't listen. They do n't like the fact that the approval letter from the 1st lien does not state it is HAFA on it. But this is because the approval letter they are looking at is an extension to the orginal approval letter from the 1st lien. It does not have all the details on it and is just an extension. They wo n't merge the XXXX approvals together to get a valid approval. I ca n't make the 1st lien alter their approval template to say what Five Lakes wants it to say, just because they ca n't think out of the box. Five Lakes wants XXXX, the 1st lien, to issue an ARASS form before moving forward. The ARASS is not applicable and Five Lakes wo n't listen. They state that if the ARASS is not submitted, even though it is not needed, they wo n't move forward.
I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on XXXX XXXX   XXXX Since XXXX and Experian couldn't help me, CFPB step up and fix the accounts asap
I just received a call from a company called Concord Resolutions in XXXX, ny. They claim I owe a payday loan from 2011 from XXXX XXXX XXXX XXXX which is now supposed to be XXXX in the amount of XXXX I 've never heard of these people! They 've given me 10 days to pay and a couple of payment options then they will start calling again.
Transunion has continuously reported a false bankruptcy XXXX on my credit report that all their agents have acknowledged that the bankruptcy is under a different name. Transunion will not remove the bankruptcy even though its under someone elses name due to they keep saying the company that reported the information has certified to Transunion that information is accurate. I have disputed this in XX/XX/XXXX and XX/XX/XXXX. Transunion will not provide me with the name of the company so that I can dispute directly with them. Under federal law, any innacurrate or incomplete information must be deleted. How can a company verify information under a different name than mine? They cant! I have contacted the court that is listed on the bankruptcy and they have advised they do not verify with credit bureaus and that bureau had to go through a third party agency for any information they have. This again is illegal as third party agencies are not the originator of this bankruptcy, the federal court it. I want this bankruptcy deleted as soon as possible.
on XXXX XXXX, 2006 I took a home equity loan from Wachovia bank, ( now Wells Fargo ) in the amount of {$120.00}, XXXX at an interest rate of 7.8 %. I have in several occasions requested to renegotiate the loan for the purpose of getting a lower interest rate. My monthly payment is {$1000.00}. After making payments for the last 121 months ( {$120000.00} ) my loan balance is now {$100000.00}. This means 95 % of my payment went to pay the interest. I find this outrageous and I hope you can help me get a lower rate. Thanks XXXX XXXX XXXXXXXXXXXX XXXX
XXXX ( or XXXX XXXX - not sure ) acquired my mortgage from my lender ( earlier servicer was XXXX ) late last year and I have had nothing but trouble since then, including the continued pursuit of foreclosure after I reached agreement on bringing my payments up to date ( I was late on XXXX payments ). The loan has now been brought current. This month, I made the payment due XXXX XXXX on XXXX XXXX, thru my electronic bill pay at my bank. The funds were debited from my account. Although I made the payment last month in exactly the same way, today, I got notice from my bank XXXX XXXX XXXX XXXX advising that the payment had been rejected by Seterus. I have spoken to Seterus, which claims it has no record of having received the payment. For now, Seterus shows that it has not received payment, but the funds have not been put back in my account ( I can not make the payment until I receive the funds back in my account ). If nothing else, I 've just wasted an hour of my time trying to get this cleared up ( XXXX ). See below : " The following payment was returned to XXXX XXXX. We are in the process of crediting this payment back to your XXXX XXXX payment account. Please allow XXXX5 business days for the payment to be credited if funded by a checking account, or XXXX7 business days if funded by a credit card or line of credit. 

Payee Name ( Nickname ) : SETERUS Account Number : XXXX Payment Amount : {$1700.00} XXXX XXXX Payment Account : XXXX Payment Send On Date : XXXX/XXXX/2015 If you did not place a stop-payment request on this item, there are several possible reasons for the credit : * Your payee account name, number, or mailing address may be incorrect. 
* The payment was sent more than 90 days ago, and the payee did not cash the check. ( Checks not cashed within 90 days are automatically credited back to your account. ) * Your account with the payee has been closed. 
* Your account with the payee has a credit balance. 

Before scheduling additional payments to this payee, you may want to verify the payee information or contact your payee directly for the specific reason for this returned payment. 

If you have questions, we are available XXXX days a week. Call XXXX XXXX Online Customer Service at XXXX or sign on XXXX to send a secure email. ''
Got a credit report from XXXX  where it say that my identity was used as many others. saw that I have a hard inquiry from XXXX   which I never contacted. I made several complaint for identity theft to the XXXX, MA and XXXX, ME police departments. 
XXXX address : XXXX XXXX XXXX XXXX XXXX NV XXXX, phone number XXXX. The hard inquiry was made XX/XX/2016.
On or around the XXXX of XXXX 2016, I received a call from CBE Group about an XXXX XXXX XXXX bill of XXXX. I do not have a bill at XXXX XXXX XXXX for XXXX I am still a client of XXXX XXXX XXXX. I told them that I had not received a letter from them and he stated that they mailed me a bill. I told them I have not received anything from you so please send me verification or a statement, because I do not know who you are. He stated he could not and nothing ever came, but they called XXXX 3 times a day on cell phone and home number. I answered again and asked to see the bill and they told me that they emailed it to me and the email had been opened. I asked for the email address where they sent it and it was not mine, I told them that. They said they could not send out another bill. So I called on XXXX XXXX and asked for their mailing address to send them something certified and they would not give me a fiscal address, the woman stated that they did not have XXXX, only a XXXX XXXX XXXX so I looked it up and they did have a fiscal address. I called again on XXXX XXXX and asked for the account # and the woman was very hesitant she only wanted a payment of XXXX. I sent them a certified letter on XXXX/XXXX/16 and on XXXX/XXXX/16 I received a letter ( attached ) stating that they had sent me a letter over 30 days ago concerning this bill, then I received an alerts on my phone that this was put on my credit reports XXXX. I want this negative account removed from my credit reports. I want this bill validated that I even owe XXXX XXXX XXXX and that they have the right to collect from me. Answers to the information that was sent to them certified and they received on XXXX/XXXX/16. Copy of USPS Tracking information attached and copy of letter that was sent to them, and a copy of the letter that I received from them on the XXXX/XXXX/16.
Hello, the bank is bank of America ( Boa ). 
In 2016, there was more than 50 transaction appear on my credit card result of identity theft, and I contact boa immediately, boa told me that everything was settle down and I am not responsible for this fraud transaction in the total amount of XXXX ( I believed is this amount because I dont have the access to my account since 2016 ), but recently boa told me that the Fraud department has denied this fraud so I have to pay the amount in full. But this account was result of identity theft and all the transaction was from the same company same time similar amount and Boa did not send me any alert or to confimred its made by me. How can this be normal transaction? All transaction was around $ 100-120. End up with the amount {$13000.00}, there should be 100 transcation and boa denied this fraud transcation and saying it s Noramal transcation after 2 years from now. Please really help me with this issue, Thanks
I have tired to correct information on my credit report. I have disputed it with both the Bureaus and the creditor. They have not properly investigated and resolved my issue. Bank of America Mortgage begin a modification process on my XXXX and XXXX mortgage at the same time XX/XX/XXXX. After complying with the terms and paying the trial modification my XXXX was modified permanantly in XXXX but my XXXX was not. I constantly asked Bank of America the status, they said it was still working, I continued to pay the trial payment, then XX/XX/XXXX I got another notification that my XXXX mortgage was under trial modification, Again I continued to pay it on time and XX/XX/XXXX the XXXX became permanant, almost 1 year later. Bank of America reports that I was 120 days late and that I was late on my XXXX mortgage since the trial began. They corrected this on the XXXX mortgage but not on the XXXX. I made payments as agreed and yet the report is not an accurate reflection of what happened. I never got an explaination as to why the XXXX mortage took so long. But with the XXXX, Bank of America Reported that I was on time from the start of the XXXX XXXX. In addition when we started this program - due to job loss- we were told there was nothing that cold be done until we were behind. I would like to have my credit reports reflect as paid as agreed on my XXXX mortgage from XX/XX/XXXX until now. I have attached documetation showing my payments, the agreement and the impact on my credit report. Please HELP I have sent endless disputes to Bank of America and The Credit Bureaus to no avail. This really hurts my ability to get back on my feet, since the modification, we have been able to make payments and straighten out our financial lives, this inaccuracy does have devastating impact.
I am a XXXX at a non profit company. I have been receiving calls from Wakefield & Associates ( Phone Number XXXX ) for 3 or more weeks now. When I answer the phone there is no one on the other end. I have called back the number and they say they are looking for a person by the name of XXXX XXXX. I told them we do not have an employee by that name and to stop calling. They said that they would take care of it, but the calls continued. I called them back and told them that by doing this that it was harrassment and that I wanted the calls stopped, again they said they would take care of it. Here we are a week later and the calls continue. I called them today and spoke with XXXX XXXX and I told him that I was going to submit a complaint to the CFPB and he said he would have it stopped. I hope so.
Started receiving phone calls from someone named XXXX, XXXX left a message threatening to show up at my work and I must have my supervisor present so they can serve me papers. Received 4 calls in a row on XX/XX/18 no message left, I called back XXXX answered never identified his company or that he was trying to collect a debt. He started to ask me personal information ie. SS # and to verify my name. I informed him I was not comfortable doing so not knowing what this is about, he transferred me to a XXXX XXXX which informed me that they have been trying to service me with documents in regards to a debt, she also never recited the fair debt collection phrase. She told me they were trying to serve me with a court date but didn't have a court date but said they have been trying to serve me for a while now but could only provide one date as of XX/XX/18. I asked XXXX if she could mail me the information because I don't see anything showing at XXXX for any court date or request for judgment against me she informed me she couldn't send me anything but could have an apt set up to have her carryer service come back out to see me. I informed her they are not to show up to my work. I ended with telling her I would look into my rights and get back to her.
I have my medical providers in XXXX XXXX and all the bill and patient info is completed by that application. I have no outstanding balance with XXXX XXXX and never had a debt from them against me as I paid in timely fashion. 
Approximately 2-3 years ago when considering buying a house mortgage company has told me that I have on a credit report an outstanding debts ( XXXX ) of them that I have not been aware of, as no notification letter was sent to me. I have used lawyer services to deal with that. In summer last year lawyer has confirmed with optimum outcome that I do not have any outstanding debt with XXXX XXXX. The collection was taken off my account. Imagine my surprise when now a year later again the same company optimum outcomes has again placed a collection without Any notification on my credit with the same supposed debt from XXXX XXXX. Again they have impacted my mortgage process. However now I 'm considering a lawsuit since this is impacting my ability to simply " live ''. I 'm surprised that those kind of business tactics are not punishable by law in protection of consumers.