WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX is the XXXX, and XXXX in the State of North Carolina. 

The XXXX XXXX apartments are located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX, phone : XXXX. 

Based on my analysis of this situation, I hereby submit this complaint against XXXX XXXX, manager of the XXXX XXXX apartments, and XXXX in the State of North Carolina. 

Here are my thoughts. 

It appears as though management and or other personnel of the apartments did willfully and intentionally alter our lease at the apartments without our knowledge and approval. 

It appears as though management and or other personnel vandalize the carpet in the apartment that we rented and vacated at the apartments. 

After vacating said apartment, we hired an apartment cleaning service to clean said apartment, and we hired a carpet cleaning service to clean said carpet. 

After management and maintenance personnel from the apartments examined and approved the condition and cleanliness of said apartment, it appears as though management and or other personnel at the apartments intentionally forced a finger between the seams of the carpet and ripped the seams apart. 

The management and or other personnel then blamed me for ripping the carpet seams apart and billed me for the replacement of said carpet and violating the end date of said lease. 

Please find attached a copy of the page of the lease that management and or other personnel at the apartments appear to have willfully and intentionally altered without our knowledge and approval. 

Please find attached pictures of what appears to be management and or other personnel at the apartments. 

It appears as though management and or other personnel employed by the apartments allegedly took the photographs. 

The pictures appear to show management and or other apartment personnel in the process of I think willfully and intentionally vandalizing the carpet in the apartment that we rented and vacated from the apartments. 

Upon my denial of said accusations, management and or other personnel at the apartments ordered a collection agency, Resolve Partners, XXXX XXXX XXXX XXXX, XXXX NC XXXX, phone : XXXX to collect payment from me for damaging said carpet and violating said lease. 

Based on my analysis of this situation, I hereby submit this complaint against Resolve Partners. 

Here are my thoughts. 

When I refused to pay the collector for damages by management and or other personnel at the apartments to said carpet and what I think was contract malpractice by management and or other personnel at the apartments, the collector referred me to XXXX XXXX, thereby damaging my credit rating. 

The collector accepted this account from the apartments with I think possibly no proof of wrong doing by me. 

The collector accepted this account from the apartments and referred this account to XXXX XXXX with no substantiated proof of wrong doing by me.
Hey, My credit card have been double charged for a transaction with Coinbase and I've still not been reimbursed. I've tried to get in touch with the company, but they have only let me talk to a robot, or sent me automated emails. 

Date of transaction : XX/XX/2017 Both transaction charged an identical amount of XXXX XXXX XXXX  The first transaction was consensual and I got what I paid for. 
However, the second was not.
This MEDICAL billings referenced in either XXXX XXXX XXXX original account numbers XXXX or XXXX have been fully paid by The Department of Veterans Affairs, ( XXXX, WI ). Documentation from the VA agency ( dated XXXX XXXX, 2015 ) is proof of payment. However, Commonwealth Financial Systems has improperly reported XXXX or both of the {$810.00} billings as a Charge Off-Collections action to the XXXX credit bureau. The payor is not the patient, but is The Department of Veterans Affairs, VA, ( XXXX ). The XXXX VA office has provided a detailed XXXX-page payment document that clearly identifies the all-inclusive payment to the initial provider, XXXX XXXX XXXX, XXXX, WI. The full payment, dated XXXX XXXX, 2015, is recognized by Federal Law to the INITIAL medical provider, and it is also recognized as FULL PAYMENT to associated medical providers who had provided medical procedures relevant to the care at the XXXX XXXX XXXX. Important : An associated medical procedure is also recognized as a " Packaged '', " Inclusive '', or " Unbundled '' line item on any billing, and page XXXX of the Veterans Administration ( VA ) sheet clearly identifies those line items " are not the patient responsibility. '' In this matter, the VA payment is to the Hospital and separate Medical Providers are to gain their payment ( s ) from the Hospital. This is a MEDICAL issue, and any report of a delinquency ( which is not the case, here, because it is paid ), must include a " Dispute '' annotation if reported to a Credit Bureau. However, Commonwealth Financial Systems identifies XXXX ( or both ) of the Infinity billings a a " Charge Off-Collections '' action without accurately identifying the matter as a Medical Dispute.
I was searching for a home loan and they added all of them lowing my score to were I dont get the loan now they are to combined home loan inquiries if between a XXXX time and they didnt and refused to fix it because they told me they are a privately owned company and the government cant do nothing about it so I tried to dispute them because some of the hard inquires the companies said they do nothing by there policy I have to contact the credit reporting agency to dispute so now the credit reporting agency said they will do nothing and now I ma blocked from writing calling and online disputing or any information and I have proof of everything. And some inquirers when you call them there number is disconnected then I called the credit reporting agency and they said they dont care. 
I cant attach any information because its all online and when you try to print it the credit reporting agency 's web page errors out
CMI group failed to notify me of a supposed collection account placed on my credit report ( no mail sent to my current address and no phone call ). Furthermore, I disputed this information with XXXX, which failed to remove the collection. I contacted XXXX, which could not tell me anything more than CMI had verified the information, but no valid documents support this claim. I have not received any debt validation, nor did I receive noticed as required under the Fair Credit Reporting Act. Further, I did not receive any communication from the alleged original creditor, so I can not verify the information reported on my credit report. The information on my credit report reflects that the account was referred to collections XX/XX/XXXX ; however, the collection appeared on my credit report in XX/XX/XXXX - 5 years later! - with no notification. The information being reported in a name that does not match one previously given, nor does it match my social security card.
I have filed a few complaints against my lender, Bank of America.I never see any follow up with the CFPB.My life has been ruined by BOA and no matter what proof I have or what I write nothing is done.I went thru some hard times and fell behind.I have done everything gone everywhere to save my home.I should have never gotten a loan to begin with because my income could not support the loan.They knew that I would fall behind and they would take my home.I never got a rescind letter with my loan and in XXXX I mailed to BOA that I want out and they never even replied.They are guilty of so many wrong doings but nobody does anything so they continue and get away with it.I filed so many documents and they told me ; they told me they never received them or I send them to the wrong address or fax number, even though they gave me the numbers.As I said all along all I ever wanted was an affordable payment to save my home.They have dragged the process so long so the amount I owe makes my home unaffordsble to me.This is what they have been doing to me since 2009.They always wanted to throw me out of my home.They lie and make up stories to make it look like they have been trying to help.They have XXXX me at every turn.The end result is they want to take my home away from me.
I filed bankruptcy XXXX and was allowed to pay interest only which my contract states. I made all my the payments. Approximately three months before my discharged, Nationstar Mortgage is stating I am past due, I made all my payments on time. Nationstar has returned my checks stating that the amounts are not enough for payment. They have not processed my Harp due to incomplete forms I filled out all the forms that was mailed to me they did not send me all the forms at the same time, causing me to be late for their time line. They have also reported to the credit bureaus that I am behind in payments, I am not. 
They have refused to send any or all information requested by my attorney to be mailed to her. My attorney has asked me to seek other advised, due to Nationstar non corperation. On XXXX XXXX, XXXX they have cashed a check in the amount of {$790.00} for XXXX XXXX, XXXX payment. Refused XXXX payments now wants money orders but no personal checks my checks have not bounced I told them this would cause a hardship to have to pay extra cash for money orders or cashier 's checks etc. due to them not accepting my checks that I already paid for and have plenty of.. 
By XXXX/XXXX/XXXX they will accelerate foreclosure on my house a certified letter I received today XXXX XXXX, XXXX by a person who has not been able to be reached by my attorney.
Loancare purchased my VA Loan and became the new servicer. <P/>They did not transfer the insurance information properly, and placed a fore buy of insurance on my property. My original policy was through XXXX for {$830.00} a year. They bought a policy from the same company for {$1500.00} a year. Loancare recently settled a class action lawsuit ( XX/XX/XXXX ) about receiving kickbacks from XXXX for forced insurance buys. <P/>Over the next few months, I received mortgage payment amounts anywhere from {$2000.00} a month to {$1600.00} a month. <P/>Loancare was completely unresponsive and " lost '' my insurance paperwork so many times, I was finally forced to get my Agent and XXXX all together in a conference call to get the situation resolved. <P/>They are still showing a {$500.00} shortage in my Escrow account that remains unexplained. I was assured by their management on XX/XX/XXXX that the situation would be looked into, but as of this evening, no one has done anything. <P/>They have now gone after my credit rating. Due to their own incompetence, they refused to process the payment I has sent in XX/XX/XXXX because it was n't the " full amount '' demanded by them. An amount that changed 3 times in just the month of XXXX. <P/>They have damaged my credit standing, refuse to make good on my accounts, and as of tonight refuse to correct their mistake. I have spent 40-60 hours on the phone with them over three months, and they hang up on you in the middle of phone calls, transfer you to 15 different departments, and lie. I know that 's a strong charge, but I was told that they were looking into my Escrow situation, and 2 weeks later, the manager I spoke to had no record that they have done anything.
I obtained a quote for moving services XX/XX/2015 and accepted the vendor. I never received an invoice yest was billed two times at rates not in the quote. Once for {$450.00} and once for {$90.00}. This total was well over the quoted price for service. 
I contacted this CC and filed a complaint. The CC issued me a notice of PERMANENT reversal of the charges. Now the CC placed the charges back on my account after the PERMANENT reversal notifications over a month ago. I also contacted the moving company but there has been no reply.
I have this XXXX phone carrier and i did pay my last bill and i switch to low income phone arranged by XXXX too and they give me new account for some reason their still charging me for the old account that i stop using.. i was allready switch to low income phone bill.. i tried to dispute this to XXXX but they are not working with me and they turn me to the debt collection Company name XXXX XXXX XXXX and this debt collector reported to my XXXX and ruined my credit report.. i need this bad regatory remark to be removed to my XXXX this is the only credit report.. XXXX remove this debt collection to my credit report this new law been removed
I have a Auto loan with Santander consumer that I pay every month, All of a sudden I have Late fees accrued they claim from 1 late payment XX/XX/XXXX. I called to have this resolved, and it was clearly an out of Country Call center. They emailed me what was inconsistent to what they are explaining to me on the phone. The late fee starts at XXXX and you get charged a XXXX a day. Now flash forward to XX/XX/XXXX and now I owe XXXX with out no notification, I never get statements sent to me and when i logged on, I noticed the XXXX fee, I would of paid the XXXX if i knew about it but they do n't give you anyway to see it till you dig deep. Also My Email address Mysteriously got Changed after speaking with a customer service rep, I could n't reset my password to login and pay and i finally call and they have XXXX not XXXX, It was fine before so I have not received any notifications from these people of payment, Fees, Anything they are Shady. These are Unfair and VERY shady Business Practices. They have about XXXX Consumer Complaints and XXXX pending lawsuit. I feel very insecure paying them XXXX + a XXXX Convenience fee of XXXX every month. This Auto lender NEEDS to be stopped praying on people with poorer Credit. If I am late on a payment, I have no problem paying a late fee, I will not however be victim to these unfair practices by these Thieves.
Equifax credit needed to take off XXXX collections items off the credit report that were paid in full showing on credit report dated XXXX/XXXX/2015. XXXX contracting services/XXXX in the amount of {$1300.00} and XXXX hospital in the amount of {$900.00} were paid in full and are still showing on another credit report from Equifax that I paid for on XXXX/XXXX/15 and again another report which purchase on XXXX/XXXX/15. The confirmation numbers are XXXX and XXXX. Not only did Equifax take them off they reduce my credit score nearly XXXX points. So, I pay off a medical bill and they take away from my score. Equifax needs to remove these XXXX items from my credit report right-away. Equifax Credit not only did they not remove the XXXX items from my report they were past thirty days giving me a response in both disputes. Equifax wants to keep XXXX down so they can keep chains on people. They seem to be corrupted as many other companies. Where is your integrity Equifax? The account number for XXXX is XXXX and XXXX is XXXX is also reporting this same information incorrectly and needs be remove from my credit report right away. They did the same exact thing that Equifax. They also brought my score down XXXX points. I ran my XXXX score/ XXXX credit report from the Equifax.com website XXXX times which cost me {$16.00} to {$20.00} every time the report was printed. The reports included Equifax, XXXX and XXXX credit report and scores for all credit reporting agencies. 

The only one that is reporting correctly is XXXX. XXXX and Equifax are not being regulated by no one. Help Me XXXX XXXX.
Years ago when I graduated college I was using sallie Mae and I defaulted on my loans because I was told I had Absolutely no other option. Now my credit SUFFERS an has suffered for YEARS! I can not sign for my own apartment or buy an apartment or refinance my loans ... I can do NOTHING They ask me to pay astronomical amounts knowing my income range and then all my payments go to interstate and do n't touch the balance. If anything my loans have increased the last 4 years even though I 've been paying XXXX $ a month!
My XXXX XXXX Account ending in XXXX, with XXXX XXXX has went into default and was charged off, but still remained with XXXX, I had lost my job and could n't pay, so when i found employment, I contacted XXXX because I had several accounts that I had defaulted on. The other accounts were sent to an outside agency, but XXXX XXXX and XXXX XXXX XXXX XXXX still remained with XXXX. When I contacted XXXX because I wanted to set up payment arrangements to bring the account positive. I was put in contact with my account manager, XXXX at XXXX, ext XXXX. She offered me options to pay less to settle. I refused the offered, and chose to pay the full amount owe, in monthly payments because I wanted a more positive effect on my credit report. As I explained to XXXX, I wanted the account removed once it 's paid in full, and did not want to it remain on my credit report as a " paid charge off '' because its still hurting my score. That the reason I decided to pay in full and not settle, XXXX explained to me that once the account is paid that i can contact their credit reporting department to have it removed. I tried contacting them, but with no response. I opened a case with all three credit reporting agencies and only XXXX has responded. They only updated my report with a payment status of " paid collections '' which to me is not helping me, because it still show my delinquent history. The amount that was owed on this account was {$280.00}. I paid it off in 4 monthly installments. I paid {$80.00} on XXXX, {$80.00} on XXXX, {$80.00} on XXXX and the last payment of {$43.00} on XXXX I submitted another complaint and the results was the same, " paid collections '' I 'm trying so hard to improve my credit. I had 7 accounts with XXXX and all went into collections with i lost my job. the other 5 was sent to XXXX, which I am currently making payment arrangements with them to pay all off in full. i refused the settlement offer too. XXXX is not reporting on my report, because they said as long I do n't break my payment arrangement they will not report. I have bank statements to show where I have paid XXXX XXXX in FULL, XXXX XXXX XXXX will be paid off in FULL on XXXX/XXXX/XXXX. the other accounts with XXXX, all those all due to be paid off on XXXX/XXXX/XXXX. I 'm writing to you all to look into an investigation and get the XXXX XXXX account off my report, as I was told would happen, once I PAID IN FULL, which I have fulfilled my part of the arrangement. If there are any questions, please feel free to contact me at XXXX
I had to go on long term XXXX XXXX XXXX, XXXX. I called Sallie Mae asking for different payment arrangements fur to me not working. Sallie Mae would not work with me or offer me any type of forbearance in which I did n't have to pay a fee. They call me relentlessly and my family and I have reached out to Sallie Mae calling them back and they offer no options for someone like me on lomg term XXXX. The last person I talked to threatened my account would eventually be taken to court for XXXX. I asked him why XXXX was willing to work with me ( another private loan I have XXXX and why they wo n't. He said there are no other options available for me and he will keep my account in collections. So I asked if he was going to quit calling my extended family and myself relentlessly since he does n't have any options for me and he said no. They call my extended family and myself at least XXXX times a day and when I answer they do n't help me. The fourth time I called Sallie Mae the lady I talked to asked if I had a friend that could pay my past due amount of XXXX. This company has been harassing me when I have told them I can not afford payments at this time and they offer no resolution when they do harass me. Before my XXXX I made each Sallie Mae payment on time.
Equifax once again is doing nothing but saying the have verified a debt it is impossible for them to do so XXXX is not being report but data mined the debt is in the amount of XXXX and they would not be able to verify it with the court I not able to please give me the name and the number of the person who does I will need to talk to the before court Equifax will not stop the practice of sharing my information with whom ever when ever
Deutsche bank has given me problems every month with my mortgage payments. XXXX XXXX deutsche bank began to return my mortagage payments and has file suit to foreclose my house. In return I have filed suit against deutsche bank to prevent them from foreclosure on my home. I have always paid deutsche bank on the first of every month with a personal check via USPS Certified Mail with Return slip option. deutsche since approx. XXXX has repeatedly held each monthly check past the grace period of the XXXX of each month so that they can turn around and charge late fees and penalties. They have also held my checks and randomly notified me that my checks did not clear my bank as a strategy to place me in default. I have checked with my bank when I was notified by deutsche that my check did not clear, and was told by my bank that deustche never submitted my check for clearing. I have tried in numerous occasions to remedy this problem that deutsche is creating and they have never tried to work with me. deustche bank also sent me their audit of my account back in XXXX showing proof of my mortgage payments and they themselves denied my proof. I have tried to seek shelter from bankruptcy and the judge discontinued my claim. I am XXXX years old and a veteran of the XXXX of 32 years 8 months and 11 days of service and it is apparent that desustche bank has made me their target. I have proof of all the USPS return slips with their signature that they received my mortgage payments. They are trying to take my house away because they do n't want to admit their errors. deutsche has run down my credit score in the process of not accepting my monthly mortgage payments. This is a reach but I feel through their actions against me that deutsche bank may be discriminating against my last name and discriminating against U.S. military veterans. My attorney is in possession of all my records relating to this claim.
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX  deleted this account how did they delete it if you verified it with XXXX and XXXX
I called XXXX  today and was gave the name of the company reporting all this false information. I was told that they didn't have any contact information for this company. So by law how can this company be reporting fake names and addresses. The name is XXXX XXXX this is not my name this has been going on for months with this false information. I keep reporting it but it keeps happening over and over.