WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to complain about XXXX XXXX XXXX and a store in Florida that has been harassing me for years and says I owe them money when I do not. 

I originally purchased phones from them to take with me overseas where I lived. They told me the phones would work overseas and they did not. I originally spent close to XXXX dollars on the phones, cases and a speaker. I immediately flew back to Florida to return them right away because they have a 14 days return policy in order to receive a full refund for my purchase. When I arrived, I initially called to speak to the manager and sales person who sold me the phones. They placed me on hold several times and never picked up the call. They also took many messages from me and no one returned my calls. I called XXXX and they told me to go back to the store and ask for an immediate refund which when I arrived at the store the clerk said he could not give me a full refund. I then told him I wanted to speak to the sales person who sold me the phones and he was unavailable along with the manager of the store. I finally had to call the police in order to get their complete attention and a full refund from the store. I had returned the phones on day twelve, 2 days before the 14 day return policy. All the items were still in their packages and everything in tack. I had the receipt as well. I did everything I was suppose to do in order to receive a full refund and never used the phones or phone service because the sales rep and manager of the store lied to me to make a sale. The manager had deactivated the service upon the return.. He gave me half of the refund in cash and the rest was sent by check from XXXX. Approximately a month later I received a bill for XXXX dollars without any explanation from XXXX. I called their headquarters and explained what had happened and they said they would investigate it and get back to me and never did. Soon after and still I am receiving letters from collection agencies claiming that I owe this amount. I sent these agencies letters explaining what had happened and attached and sent copies all of my receipts and names of people i spoke to at XXXX along with the names of the sales person and manager of the store. I sent emails and mailed them letters with copies of all receipts. I never heard back from them and they still list this debt on my credit report under collections. It has been over 3 years since this incident occurred and i believe that because I called the police to assist me with this return that the manager is behind this false charge or fee that has no bearing or explanation at all. Please help me to finally take this charge off my credit report. It has hurt my score tremendously and I dont know what more to do.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX
Bank of America failed to disclose proper documents as to the proper owner of my home. Bank of America also did not allow another modification due to a previous modification within 24 months. I was told I could not appeal and had to start the RMA process all over again and the only option was to short sell. Bank of America had incorrect information from the creditors and the amount for my mortgage was calculated higher, leaving me with a denied application. I have also submitted at summary judgement against Bank of America. My home was sent to foreclosure in the courts by the attorneys of Bank of America. I do not feel Bank of America is doing everything to help me save my home.
In XXXX I was in the hospital and the bill went to a collection agency, Rash Curtis. In XXXX my husband and I filed bankruptcy but then about 6 months later we withdrew the filing. I never heard from this company again and on my credit report it said discharged in bankruptcy. A few weeks ago I pulled up my credit report and they have begun posting on this debt that I have refused to pay. I received a phone call on XX/XX/XXXX from this company. I called and have been told I owe XXXX in  medical bills dating back to XXXX. I asked about the discharge and they said they lifted that after the bankruptcy was discharged but we never received any information, no letters. When I called they said they sent a letter in XX/XX/XXXX about a new medical bill, I have no idea what they are talking. They said they have called numerous times but have never left a message. Now they want a settlement or for me to pay the entire XXXX, and will continue posting to my credit report that I am not paying. I am not sure what to do and if this is legal. I have no problem paying, but the posting on a credit report from a XXXX debt doesn't seem ethical or legal.
I 'm in bankruptcy I pay mortgage company and bankruptcy court the mortgage company lied to the court saying that I was  13 behind in payments I have proof of all my payments and I be letter from them stating that they applied two payments to my account.
The Loan held with PHH/Century 21 Mortgage was paid and satisfied XX/XX/2016. This lien has still not been released of record and is still showing negative reporting on the homeowners credit report. Please demand this lender compliance. It is a Lender 's Fiduciary Responsibility to Release of Record at the Register of Deeds. This homeowner is a XXXX Veteran. 

PHH/CENTURY 21 LOAN # # # XXXX
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the  information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Brclysbankde XX/XX/2017. 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Portfolio Recovery Associates is reporting two collection accounts 1 is from XXXX XXXX - which was charged off in XXXX - and a XXXX XXXX account which is also over 7 years old ; they purchased these accounts in XXXX - but FCRA guidelines for California state debt can only be reported for 7 Years from the 1st original date of delinquency with the original creditor - not 7 years from the purchase date by a collection agency
Over the weekend, we received our mortgage loan statement. I was looking at the statement and realized that it had a  balance for legal fees on it. After contacting Nationstar, it was determined that this fee was for a bankruptcy which was filed last year. A bankruptcy which did not include Nationstar.  Apparently, they transfer the paperwork to another department and charge their customers a fee for this. If they would look at my payment history, I have never missed a payment with them and all my payments have been made on time and consistently around the same time each month. I was appalled that they would think of charging a good customer a {$300.00} fee to transfer paperwork to another department within the organization. This is a large mortgage servicer for you. They do n't care about customer service.
Transunion is reporting a paid tax lien beyond than the FCRA Sec.1681c, statue of limitation of seven years. The tax lien was fully paid in XXXX XXXX. The Fair Credit Reporting Act Sec. 1681c. Reporting of obsolete information prohibited ( 3 ) Paid tax liens  which, from date of payment, antedate the report by more than seven years. Transunion is the only CRA reporting this negative item in violation of FCRA Sec.1681c ( 3 ).
We can not get a payoff statement from Seterus. In the middle of closing our original lender sold our mortgage. Seterus ( with both myself and the attorney on the line ) admitted they should have sent us a welcome packet but they could not confirm they sent a welcome package. We never received a welcome package and had no knowledge the mortgage was owned by Seterus until XXXX XXXX. The closing was set for XXXX XXXX. On XXXX XXXX with the buyers attorney on the phone with me we requested another pay off statement only to be told the wait was at XXXX business days. The agent hung up on us and was yelling at us on the phone. We called back and the agent put a rush and apologized for the previous experience with the agent hanging up on us. She informed us we would receive the payoff yesterday so we could close. This took over XXXX hours on the phone and numerous times being on hold. The letter was never faxed. At the closing we were told it would definitely come tomorrow which is today XXXX. I called first thing this am and I was told it would definitely come today. It never came and at XXXX I called again and the woman told me they gave me wrong information and it should come by the end of next week. Should not would. She also stated again it 's 10 business days to get a payoff statement. I told her it takes XXXX minutes to send a fax. I was on the phone and again put on hold for XXXX minutes. Again the agent hung up on me and said there was nothing she could do. I informed the agent the buyer s mortgage commitment was going to expire by Monday. I also informed the person on the phone as well as the previous person on the phone that we have a special needs child who is medically fragile and I could provide medical documentation and would fax it over. I told them we are staying at a hotel and this is not good for my son 's condition and could someone please help us. I again told them I could provide documentation and would fax it right over to them. I was told I do not qualify for a rush because I am not in a short sale and not in foreclosure. I started to cry and said there must be something someone can do. Every time I called I was n't even allowed to speak to someone in payoffs. Every time I call it 's a different answer.
My husband and I are in the market to purchase a new home. I watch my credit very closely. On XX/XX/2018 I noticed that I had a new item on my credit. It was for the XXXX XXXX XXXX in the amount of {$330.00}. Per the credit report it states it was opened XX/XX/2018. I reached out to the collection company, XXXX XXXX XXXX XXXX on that same day by mail. In the letter I let them know that I dispute this debt in it's entirety. I requested they provide proof that this debt was mine. I asked them to only contact me by mail moving forward. I made it very clear that I DO NOT have a loan from XXXX XXXX XXXX. There is no question about it. 

I never received a response from them. Instead, on XX/XX/2018 I received a phone call from them in an effort to collect the debt. I told them that this debt is not mine. They told me to report identity theft. 

Not only are they after me for a debt that is not mine, they are damaging my credit in ways that are unthinkable. It will take me a very long time to improve my scores after this is resolved. In turn, pushing back the purchase of a new home. 

I will not file identity theft for something that is their mistake. It is absolutely horrible that they expect for me to make this go away by doing that. Clearly the debt is not mine or they would be able to show me that it is. 

I sent another letter to the collection company today asking for the same thing. 

I have filed a dispute with the credit bureau that it was reported to.
I filed several disputes with Equifax about a collection account with XXXX. XXXX XXXX agreed to delete the account from my credit file but Equifax has refused to delete. XXXX sent over XXXX XXXX request for deletion and nothing has been done but update the balance to XXXX. This was not the arrangement with XXXX. They agreed to delete so Equifax must follow and delete the collection account. This account was previous deleted and reinserted without me being notified
I have personally contacted XXXX, XXXX , & TransUnion credit bureau through phone, online, and certified mail. It has been 5 long months. Neither bureau can answer or explain the process that is taken to verify an account. I honestly admitted several times that I am unaware of the accounts Ive disputed but its becomjng more of a problem where I must take matters into my hands and contact my lawyer. We will be seeking legal matters. I have every right as a consumer because you have broken several FCRA laws. Section 609, 605, and others but I want to get to bottom line of this. For the final attempt, what is the verification process? If you cant answer and prove the steps and process correctly by law you must remove the accounts that Im disputing. I have given you sometime to fix your errors but you insisted on being egotistic, and now you must pay the consequences for your actions in the courtroom. I have all evidence of the certified mail, phone calls that were recorded. I have my evidence and Im ready to take this to court and publish online about your company about the credit breach, you leaking my information, placing errors on my credit file, false information, not 100 % accurately verifying credit accounts & accusing consumers. I have contacted the creditors as well and this seems to be problem none are responding and are taking this situation as a joke which displays unprofessionalism total disrespect. Well see who gets the last laugh.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this is on there twice ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I had an American Express credit card. I closed this card more than a year ago. About two months ago I got a bill for credit secure service charge on this card, which had been closed. The card no. ends in XXXX. I called the credit card company agent on phone and explained the situation to him. I had not applied for credit secure service and I asked him how the charges were applied to a credit card that had been closed earlier. He agreed to cancel the charges and close the card again. Now again I am being subjected to the same experience. Somehow the credit card has been reopened and a charge for credit secure service has been added again. Some late charges have also been added to these charges. I have contacted the customer service agent on telephone today and spoken to him. I asked him how the card has been reopened to apply this charge. He said he does not have any information about closing of the card. He said he can cancel the late charges, but can not remove the credit secure charges. He forwarded me to their credit secure telephone number. However only automated replies were available and no human was available to discuss my situation. I feel that I am being harassed by the credit card company.
Can a loan company take out money from your government benefits? On XX/XX/XXXX this loan company took out {$450.00} from my benefits. Is that legal in texas?
Nelnet is reporting a 90 day late on my credit report. I do n't believe this is factual. I have consistently sent in my documents to defer my payments since graduation school. I have written them over 3 times to see documentation of this 90 day late in XXXX 2012. 
The worst part is that they are reporting all of my loan separately and that makes it look like I was late on over XXXX credit accounts. : - ( I feel this is unfair as I am trying to purchase a house and get a car and this is holding me back.
Dear Sir or Madam : Please be advised the sole purpose of filing this complaint with your agency is due to Wal-Mart not honoring their money orders. Not to mention the fact, Wal-Mart is the seller for MoneyGram money order 's and refused to issue a full refund on a {$35.00} money order that was not used for purpose intended. The merchant refused to issue a full refund and/or exchange the money order for a new one after it was written out to another person. I purchase this money order from their store on XX/XX/2016. It was on the following day, XX/XX/2016, when I presented the money order to Wal-Mart for a refund and they denied the refund - with the statement that the money order is altered because I tried to correct the misspelled name. I explained to XXXX ( Wal-Mart cashier ), that the original money order is intact with the receipt and stub and all I need is to replace the money order and/or be refunded. Then XXXX stated ; " No you are not getting any of your money back and/or a replacement of that money order because Wal-Mart want get their money back from MoneyGram ''. I informed XXXX in the past Wal-Mart replaced my money order with no issues when I misspelled the name on it and this was never a policy. XXXX also stated to me Wal-Mart does not have any returned policy for selling MoneyGram money order 's that involved third party, which is MoneyGram. Then XXXX proceeded to contact MoneyGram, and she stated ; " You need to return the money order back to them and pay an {$18.00} service charged. I later contacted MoneyGram customer service and informed them that this is double-dipping ( Kick-back ) and that I should not be charge any fees due to the fact, I never lost the money order. After I informed the agent I will be filing a complaint with the Consumer Financial Protection Bureau and Office of Financial Institutions, she then reduced the fee to {$9.00}. I firmly believe this practice is illegal and fraudulent. The only time I believe anyone should be charge any fees, if the money order is lost and a stop payment is issued with a replacement of a money order. I do not believe this constitute that because I have the original money order, receipt and stub. I am requesting an investigation of Wal-Mart 's and MoneyGram business practices. I firmly believe they should not be allowed to sell money orders if they will not honor them. During my investigation, it appears other financial institutions do not honor Wal-Mart money orders. I greatly appreciate your assistance in this matter and look forward to your prompt response. 

Respectfully, XXXX
I am a recipient of XXXX XXXX. My coverage renewal was mailed to me in XX/XX/XXXX. I had to fill out my XXXX renewal forms and mail it to : Mail Renewal Program, XXXX, XXXX XXXX XXXX, XXXX NY XXXX. I mailed my forms in on XX/XX/XXXX. XXXX XXXX received it on XX/XX/XXXX. This form was sent to renew with my managed care program ; XXXX XXXX XXXX. I never received any updates via regular mail as I had requested when I signed up with my public assistance service. It was n't until I was inquiring on my coverage in XX/XX/XXXX that I found out that I no longer had XXXX Coverage. So, my coverage was canceled from XXXX XXXX to XX/XX/XXXX. I called my local social service office at XXXX XXXX and received the following status of my account:1. My mailed in application did not get processed after it was received on XX/XX/XXXX because it got transferred to the bottom of the list. 
2. On XX/XX/XXXX my account was noted under another persons name. 
I was then instructed that a new renewal form will be mailed out. I need to fill out and then return it. Weeks passed and I never received the duplicate renewal form. So I went into the XXXX XXXX office at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XX/XX/XXXX to submit a renewal form in person, which I did. After I submitted this form, to my surprise, I received a renewal form again in the mail on XX/XX/XXXX. The reason why this is important is because during the time when my XXXX care coverage had been canceled from XXXX to XX/XX/XXXX I made an appointment to see a Doctor who accepted my manage care coverage for payment. However, since I did n't have coverage during that point in time, now the doctor is billing me for the lapse in coverage of {$36.00} for patients with no health insurance coverage and {$320.00} for patients with healthcare coverage as what I have. XXXX XXXX is also billing me for {$77.00} for service rendered on the same date. Now XXXX XXXX and the Doctor is threatening to send my account to collections because of the payments not being paid. The account number for XXXX XXXX is XXXX XXXX XXXX invoice # XXXX. The date of service was XX/XX/XXXX. 
XXXX collection number is XXXX at XXXX XXXX XXXX ext XXXX Claim # XXXX service date XX/XX/XXXX. My XXXX Account # is XXXX My XXXX card # is XXXX. I am requesting that XXXX or XXXX be responsible for this bill since neither of them notified me that I no longer had this medical coverage. Had I know this, I would have went to a straight XXXX provider for medical assistance. Please send me a response back in the mail at my address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX My phone number is XXXX XXXX XXXX Thank you.
On XX/XX/2018 I made a payment of {$490.00} to Nelnet ( Bringing me current ) On XX/XX/2018 I made a payment of {$50.00} to Nelnet ( Keeping me current ) On XX/XX/2018 I made a payment of {$53.00} to Nelnet ( Keeping me current with decrease in balance owed ) However, my credit report as of XX/XX/2018 has yet to be updated correctly. 
I called XXXX  and filed a dispute sometime in the month of XX/XX/XXXX to dispute the issues with my credit still showing me being behind 140+ days with an account that " needs attention '' and I received notification on Sun XX/XX/2018 that my 3 accounts had been updated and current. One week later, I received notification from XXXX XXXX stating that my credit for the three Nelnet accounts went back up due to late payments and it was reverted back to the previous status. ( As if they didn't make it current a week later ) I called and both Nelnet and XXXX  continue to send ma back and forth telling me that the other company/agency is to blame but it's still not fixed. Not only that but Nelnet has three separate account on my credit when in Nelnet I'm only able to pay two separate accounts ; meaning it should be two accounts on my credit and not three.