WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX I moved into XXXX XXXX in XXXX XXXX , Oklahoma , in XXXX I have bed bugs from apartment complex, I call manager &  tell her, next day she has a note on my door telling me on which day an exterminator is going to be out & I owe {$360.00} for exterminators. I look on my lease & lease states " Tenant may or may not be charged for exterminator, I take lease to her & ask what factors in the do or do not pay? she asks owner, owner tells her " if Tenant gets a letter from last landlord stating Tenant nor last Landlords home had them then Tenant does n't pay ' I did get a letter from last Landlord stating we did n't have them so that settled that issue. also I was pro active & called numerous Exterminators & everyone told me it does n't do any good to spray 1 apart. they will go to attached apartments & end up coming back to mine & have to start the process of exterminating all over. I told apartment manager their not spraying unless they can assure me the other 3apartments are getting sprayed, she would not do that. In XXXX I get an eviction notice on my door & it stated I owe their Attorney fees. I retain an Attorney we go to court XXXX XXXX & Plaintiff Dismisses-Settled case, I move out. I apply at an apartment complex in XXXX & find out XXXX XXXX turned me over to a collection agency for a Bogus issue I left that Apartment complex paid up as you can see in the documents I 'm sending, my rent I paid in XXXX & the agreement in the courthouse on the XXXX was for me to be out of premises within 7 days & I was out. I owe nothing & this adverse account from XXXX XXXX is BOGUS!
XXXX PLEASE ABIDE BY FEDERAL LAW OF FCRA, or be aware i shall file a lawsuit with federal court to make you fix your huge mistake on my credit file. because of your mistake, creditors can not give me credit. please remove the following accounts as they are NOT MINE! 

here is FCRA 611 for reinvestigation or REISERTION OF DATE INTO MY FILE : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion THE FOLLOWING ACCOUNTS ARE IN A DUPLICATE FILE UNDER MY NAME OR REINSERTED WITHOUT GIVING ME NOTICE! A CLEAR VIOLATION, AS I HAVE TOLD EQUIFAX THE FOLLOWING ACCOUNTS ARE NOT MINE! DELETE! DELETE! DELETE THEM OFF OF MY FILE! 

XXXX  XXXX, & XXXX XXXX XXXX XXXX  XXXX 2 accounts listed with same acct number but one with credit limit of {$26000.00} and thee other {$1300.00} XXXX XXXX   XXXX XXXX XXXX XXXX & XXXX XXXX - XXXX XXXX As you will see i pulled 2 reports both from Equifax owned websites! but both show different information.
I previously submitted a claim regarding Navient for harassment, unwillingness to work with me on a payment amount for my loans ( they wanted more than my rent monthly which I could not even remotely afford ), refusal to provide a payment plan in writing, refusal to keep to a payment plan discussed over the phone, and general belligerent and unethical business practices. I worked with XXXX XXXX to resolve this, which took months but it appeared to have been resolved with my only paying XXXX interest monthly. He promised to waive all the late fees and to provide me payment plan in writing, which was the prerequisite to me making the payments as they often up my payments and my interest without reason and without warning. After this conversation, I went to look online and once again they were trying to charge me more than was agreed upon, and they still had not provided me anything in writing. I have contacted XXXX multiple times since then to no response whatsoever. I would like them investigated again and would like a response, we well as the payment Plan in writing I was promised and my account restored to the payment plan agreed Upon, with late fees waved due to their complete lack of response to these issues.
this debit was paid to jefferson capital systems llc on XXXX/XXXX/2010 they never provided me a letter stating that the debt was settled in full. i did not settle for partial it was settled in full as the cards limit was anywere from {$300.00} to {$400.00} secured credit card i paid the balance they gave me of XXXX which included fees and accrued interest. This i now that XXXX time my settled in debit was sold by jefferson capital to another collections agency and i am quite frankly tired of cleaning up and being held responsible for something jefferson capital systems failed to do which is report accurate information to all XXXX credit bureaus and cease collections activity. I am not filing a complaint with CFPB in hopes that this activity and negative information is finally and permanantly removed off my record including credit report. i will provide a copy of my bank statement as proof that it was paid since jefferson capital never sent me a letter showing that the debt was settled.
I made contact with Credit bureau Systems inc on XXXX-17 and advised them they where reporting an invalidated account. They continues to attempt to collect on a account that is not mine in my state of Texas in which they are not licensed. I demand immediate removal from my credit report of I will sue.
This debt was paid on  XXXX   XXXX ,    2017, directly to Caine & Weiner. ( See attached ) copy of certified funds ( that was cashed ), copy of credit report entry, certified USPS slip and delivery confirmation of the funds. The balance needs to be reported as paid in full per OCC and FDCRA regulations or reported to the appropriate authorities for   sanctions.
National Recovery Agency agents rude despite offering to pay debt in full during first phone call XX/XX/2016. After I gave them a time to call me back when I had payment info ready, they failed to do so. After calling me during random times, I told the agents that they need to call me after XXXX so that I may provide payment info. On XX/XX/XXXX, they called again and I provided payment info. At time of payment, I requested a receipt and was told that I need to mail a letter with a self-addressed, stamped envelope and that 's the only way I 'll get a receipt. 
This was an oversight on my part not paying the bill before they sent it off to a collector, but I have been trying to get it paid and National Recovery Agency was rude and made the entire process unfriendly. 
My customer number with NRA is XXXX
I was notified via my credit score monitoring service that a collection had been placed on my credit history by XXXX in XXXX Arkansas. I called this company and they say I owed them XXXX $ for a internet line started in my name somewhere in their service area. I told them I never even lived in Arkansas, much less opened an account with them. They would n't help me. 

I contacted XXXX and Equifax to dispute this collection. XXXX removed the collection, finding it to be not valid. Equifax told me it was valid. It is not valid. I have never lived in Arkansas. The only explanation is someone used my name to open an account or there is a mixup somehow. 

I do n't really see an option to appeal with Equifax 's decision except to add a statement to the note on my credit report, to again try to dispute the account with the original company ( which got me nowhere ), or to send them some sort of documentation about the collections but I have no such thing since I did n't open any actual account and can not prove a negative.
In XX/XX/XXXX I opened a Nordstrom store account. My purse was stolen with all my personal information including account information from Nordstrom. Charges in the amount of {$280.00} were made at the Nordstrom without my consent nor knowledge. At this time charges were also made to my XXXX XXXX and XXXX XXXX. I filed fraud claims with Nordstrom in XX/XX/XXXX.. On XX/XX/XXXX I spoke with XXXX Nordstrom Fraud Investigator and was told that my claim was denied back in spring of XX/XX/XXXX. I never received any information stating that my claim was denied, in fact when I called Nordstrom a few days prior to speaking with XXXX I was told that my case was still opened. I am basically accused of making the charges due to the fact that the photo copy of my Drivers License is not current. I have always kept 2 Drivers License on hand in case one is ever lost or stolen. I did not make any charges on my Nordstrom account to be held responsible. Because of this Nordstrom is reporting negative information.
Money Market Account with Ny Community Savings - withdrew remaining balance and brought account to XXXX. Requested account closure via telephone 6 times, to no avail. Bank then charges series of minimum balance fees on a XXXX balance account. Bank credits {$1.00} in interest earned on prior balance. Instead of crediting my checking account with the interest and closing money market the bank waives one of the fees, charges more fees putting the account into overdraft for {$28.00} and conducts an unauthorized EFT from my checking account for the {$28.00} to pay their fees. This is an unfair practice that aims to increase fee revenue at the expense of the consumer. The account was at a XXXX balance and the bank posted {$1.00} interest. There is no clear justification to begin billing low balance fees on a XXXX or residual interest balance. Stop this practice.
I had filed a complaint with the CFPB and they resolved in my favor. They said that they did not report to a collection agency. They have lied about the reporting. Last week I went to buy a car and was told taht I had this on my credit report that affected the cost of financing the new car. The old CFPB case number was XXXX. This has effected my credit score and I demant that they compensate me and correct the false report as they stated to the CFPB. When I responded to the resolution I ask that they send me a clear copy of all credit agency showing nothing was reported to them. That never happened and here we are again.
Navient agent XXXX has been calling my neighbors and my wife 's work after we have told them repeatedly to stop. We have told them repeatedly to stop calling her work and our neighbors but they continue. They say they will take the number out of their system, but we have voicemail proof they still call.
I attended International Academy XXXX ( XXXX ). I 've graduated but have struggled to find a job in my field. 
My Private loan is now being serviced by Navient. Acct # XXXX was on a payment plan of XXXX per month which my wife and I were paying. However, in XXXX the payments spiked to $ XXXX. 
I called Navient today with my wife to provide all the necessary information to try to obtain a lower payment. The representative asked for our income and bills and we provided it. 

She then proceeded to say that we did not qualify for a lower payment, and that it was our fault for getting a more expensive car this year. She offensively said that we were not managing our finances well and that it was our fault we could n't make the payments. How dare she say this when she does n't know or even asked why the payment went up. Our other car broke down and we still owed XXXX on it, and we had to absorve that debt into the new car payment. XXXX We were helping him and his wife financially because she was pregnant and delivered on the same day XXXX 
This representative spoke to us with hate and a demeanor of discrimination because I have an accent, which is why I had my wife help me speak. She yelled at my wife and talked over her screaming for over a minute. We requested a manager and the manager basically did nothing. I asked for an apology from the individual and he refused. I told him that the way they were speaking to consumers was incorrect and I was going to file a complaint. They XXXX said go ahead, file whatever you want to file. I asked the manager to pull a copy of the call so he could hear all the disasters said by the other rep but nothing was done. 
At this point, after reviewing that my loan was XXXX initially and it is now at over XXXX, I 'd like a recalculation of all the money owed. I am almost positive it is inaccurate.
I requested my free annual credit report online. I was denied stating it needed to be done via mail. I printed, completed, and sent the requested form along with my ID and proof of residence as requested. I received a letter back stating I was not entitled to receive a free credit report because I had already received one, which is not true or accurate. I requested my report from all three credit bureaus at the same time and date, only one of which complied with this request and gave me my free report online. I go through this with this credit reporting agency every year and I believe it is because I write several complaints asking them to correct my credit report because they have a very regular habit of reporting inaccurately.
resurgent capital services. sent me a letter saying i owe {$890.00} they say the original creditor is XXXX XXXX -- And that the current owner is XXXX XXXX THE REF ID is XXXX i have no idea who this is, do not have any debt with this company. and they have not provided any proof of this debt or that if it was a debt that it is still collectible via the statute of limitations.. i have written them to request all of this information. it is reported as a collection on my credit report. and i have asked them to remove the same.
The property located at XXXX XXXX, XXXX, GA XXXX was purchased in XX/XX/XXXX by XXXX XXXX the borrower and I XXXX XXXX, her husband, was added to the title only at closing. 
On XX/XX/XXXX we were granted a divorce and the property was awarded to me. Thereafter I learned that the payments had not been made and was {$4700.00} due which I brought current. I continued making payments until I was laid off and collected unemployment at which time I sought the help of an attorney to assist with a modification. The firm of XXXX reviewed my financials and gave me a schedule which included {$5500.00} for the mortgage company, plus other debts totaling {$12000.00} for 60 months at {$230.00} monthly. until it was dismissed, The loan was with Homeward Residential, Loan # XXXX and sold to American Home Mortgage Loan # XXXX which statements were being sent in my name since I was making the monthly payments after the decree.and quit claim deed was sent for their records Thereafter the loan was again sold to Ocwen Loan Servicing Loan # XXXX and when I tried to communicate with them they refused stating I was not the borrower. I tried for months to communicate but was unsuccessful until I received correspondence in my name that the property was being foreclosed. With the help of a housing counselor we contacted the attorney who assisted with us to be able to speak with a supervisor at Ocwen where I was assigned a Single Point of Contact who scheduled several appointments and gave me information to submit forms and complete documentation for a modification which was done. The foreclosure was postponed and I requested to have the property refinanced in my name which I believed was being done. I later learned that the modification could not be done in my name as my ex-wife was the only one on the mortgage.I was then offered a short sale and took all the steps to provide the required paperwork. I inquired if my father who was living with me at the time could purchase the property and was told yes and had him qualified.. In speaking with the Counselor who informed me that it was unusual to do an arms length transaction and suggested I speak with someone directly in the Short Sale department who stated it could not be done. 
At the last scheduled appointment the XXXX informed me that I could reinstate the loan the day before the new scheduled foreclosure sale date which is XX/XX/XXXX by paying the amount of {$47000.00}. 
At this point I am requesting your assistance in what can be done to keep my home as it have been over two years and I have had no resolve.without getting the proper information from the mortgage company.
My account was transferred from XXXX to SLS Loan Servicing in XXXX XXXX. I was unable to make my XXXX payment with XXXX and called SLS. They took a payment over the phone XXXX as my account was not set up yet. That payment was never applied to my account. I have called numerous times going over the information and was told, yes we see the error and it has been escalated. The month after that my statement still showed a past due amount, called and they said yes your account is flagged to review because of the transfer. They said do n't worry, no late fees or past due will be reported to the agencies. I work at a mortgage bank myself so I know the process all too well. We are in XXXX and the issue is still not resolved and I ca n't get a manager on the phone. 

Below are my transactions XXXX payment made via phone XXXX for {$600.00} ( confirmation XXXX ) XXXX payment made XXXX for {$600.00} as my account was finally set up XXXX payment made XXXX for {$600.00} XXXX payment made XXXX for {$600.00} XXXX payment made XXXX for {$620.00} XXXX payment being made today for {$620.00} I am unable to make payments online as it is asking for past due amount ( which I do not owe ). I need to make the payment via bill pay through my bank which is why XXXX payment did not process until XXXX and my payment today will not process until the first few days in XXXX.
I live in New York XXXX and I have a Bank of America credit card which I used to book my travel XXXX, through XXXX Airways, online. 
To my surprise, I saw in my CC statement, that BoA has charged me XXXX Transaction fee even though the transaction was in XXXX XXXX as confirmed with XXXX Airways, and as stated in the invoice from XXXX Airways XXXX. I tried contacting the Bank through online chat, through calls and even walked over to the Bank. But the response from them was for me to check the Credit Card agreement which clearly states that the Bank would charge me a XXXX transaction fee. I however, kept repeating that this was not a XXXX transaction since the payment to XXXX Airways was in XXXX and not in XXXX. 
XXXX of their executives in the Claims department went on to say that because i was flying outside XXXX they consider it a XXXX transaction. Which does not make any sense to me. 
A XXXX transaction would be one where my Bank would have to pay to the vendor in a currency different from XXXX. That did not happen here.
This is one of many reports filed in regards to both our personal properties and my commercial property. Due to state retaliation beginning in 2014 my I have been unable to meet all of my financial obligations. I testified for a client, which led to the state of georgia loosing the case. EVERY HOME and COMMERCIAL PROPERTY own by myself and or my spouse is involved in Mortgage Fraud and also appeared embezzlement which was not facilitated by us. We have other UNKNOWN individuals uploaded under our names in the state system. WE ARE SICK OF THIS XXXX! We have secured both attorneys and media coverage and will take all necessary action to hold ALL PERSONS ACCOUNTABLE REGARDLESS of their positions. We already know this is a set up. Our credit is suffering. The property in question is XXXX XXXX XXXX XXXX, XXXX Georgia XXXX. THIS IS A FEDERAL OFFENSE AND WE WILL ENSURE ALL INVLOVED ARE HELD ACCOUNTABLE. The ground work has been completed. To top it off the modification company we hired to complete our modifications were informed of our findings and they appear to only be concerned regarding their payments and is obviously covering for the mortgage companies. We were denied our modifications for : Paying too much, 1 day late AFTER WE HAVE SIGNED THE MODIFICATION AGREEMENT and also Making ONLY # TRAIL PAYMENTS which were the qualifications, but the modifications was reversed because now their is 4 trail payments due. We have other individuals information on our Credit Bureau. These are NOT EVEN OUR LOANS!! Chase was sold a loan which was never valid as we never signed any contractual agreement. If they are signed out names were forged, as we never received any signed copies. This pertains to our additional personal properties as well. 


Chase Mortgage is the company involved with this property!
I 'm so sick of Bank Of America.constantly sneakily stealing money from their Customers! I have well over the min Balance to waive " maintenance fees '' yet they still once in.a while.sneakily Charge me. The min balanceone should have is XXXX and I have almost XXXX. It 's ridiculous. They need to be investigated because they do this too many people knowingly! If you do n't thoroughly inspect your back statements, you may unwilling be giving your money away to them. If course back of Ameeica customer service is almost non existence as well! They give you numbers to call, mainly wrong numbers and do nothing to fix the issue
I sent this company a dispute letter dated XXXX XXXX, 2017. Here I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report. At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.
I am constantly harassed by Nissan Motor Finance Regarding my car payment which i missed but despite having a payment setup for the XX/XX/2016 i constantly received calls on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX demanding a payment right away and during this process i was forced to make two payments of XXXX on the XX/XX/XXXX and a second payment of XXXX setup for the XX/XX/XXXX
The last correspondence I sent this company on XXXX XXXX, 2015 pertained to a demand for validation. The company has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
My wages were garnished. I called XXXX to dsicuss the account as I was unaware of this action. The debt is from 2008. I was told that if I paid it in full that day on the phone, that they would return the XXXX back to my employer and that the garnishment would be released. They took my XXXX payment in full electronically from my account on XXXX. They have steadfastly refused to return the XXXX taken on XXXX and on XXXX another deduction was take from my check. This company will not release the XXXX funds to me for 21 days, and then stated they will hold the second issued to them ON XXXX for an additional 21 days despite the fact the account is paid in full. They are hold XXXX of my money causing me financial and mental duress. 

It is important to note- XXXX told me on XXXX that if I paid this in full that the XXXX would be returned to my payroll department and given back to me. They have recorded lines. He lied, they did n't return they cashed it, and now have cashed another and are holding the funds.
I have a checking, savings and credit card account with Navy Federal Credit Union. I failed to make a payment on my credit card and the credit union has locked me out of my account. I am not able to access my checking and savings account. From my understanding, Navy Federal is not permitted to participate in these practices.