WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX has wrongfully placed an account in collections. XXXX has indicated that I owed {$1700.00} for water bills at XXXX. This is absolutely false. All of the bills were in good standing upon leaving. This company bulldogged and bullied me into leaving the property. They initiated an eviction on me when all of the rents were paid on time. Elite home management has placed this account in collection with National Credit Systems. I would like this account removed from collections immediately. Attached is full documentation that this account was paid in full. Additionally, XXXX kept my deposit. I would like to request my deposit be returned as I left the property in good standing and was NEVER late paying monthly rent. Please see all attached documentation. Furthermore, the claim that XXXX is stating I owe monies for a water bill is false. The amount started in XXXX of 2012. The account was never placed in my name and started with a balance of over {$700.00}! XXXX presented false documents to the court in order to have me evicted from the property. I 'm requesting that this is immediately removed from my credit report and handled outside of a credit reporting agency as these claims are false!
I had some payments to be returned. Those fees etc were included in the payment when my payment that went through was made. I waited the 14 days as laid out in the agreement. When I called to find out what the situation was, the representative told me that there was a 30 day hold to the account as stated in the agreement. I asked her to show me where it stated that. She advised me that it was not there, but it was something we should just " know. ''
I am reaching out to Equifax once again regarding information that was removed and has now reappeared since the breach. I disputed all medical per law in XX/XX/XXXX. Every collection was removed according to law. I check my credit report WEEKLY for any errors or old info that may reappear. Once a consumer dispute an item and it has been removed. I can never figure out why we have to keep checking to be sure it has not returned. It seems as though Equifax would keep record of items they have removed and the consumer does. This is why I dispute with CFPB, because there is always a electronic trail. I looked at my credit report yesterday and noticed a 33 pt drop due to an added old collection that was removed in XX/XX/XXXX.

I disputed this on XX/XX/XXXX and Equifax responded on XX/XX/XXXX with all items removed from XXXX XXXX. Please remove to the original complaint id # XXXX on XX/XX/XXXX.
XXXX XXXX XXXX phone number XXXX and XXXX started calling 3 times a day on my cell phone which started about 2 1/2 weeks ago. They also started calling me at work. I advised the  collector she was calling my work number and to stop calling. The following week she called me again at work. She wanted to let me know about my past due account with XXXX XXXX. I advised her 1st that I already asked last week not to call me at work, 2nd I do n't  have an account nor have ever applied for a card. She insisted that I did and she has my Birthdate, and Social Security along with my personal information. She didnt verify my that the person she was talking to on the phone was indeed the account holder. I asked to identify the DOB on file and she stated she couldnt give out that info? Again I stated this is not my account. She transfered me to the FRAUD deptartment. The rep was able to verify that the last 4 numbers for the SSN did not belong to the account holder on file, but she was puzzled on how XXXX XXXX XXXX had my Direct Work line or my cell phone. I asked her to remove my phone  numbers and to stop calling. She said she didnt know how to do that, and could'nt guarantee that the calls would stop? She offered to put me on the Do Not Call Registry, but that is not good enough.
I was tricked by Paypal into paying for online purchases through Paypal Credit, even though I never signed up for a Paypal Credit account.I never gave permission to Paypal to be signed up for their credit account. I had my own money in my Paypal account ( not Paypal Credit ) that I assumed I was using when checking out online, but I unknowingly was being charged through Paypal Credit. When I would check out of these online websites, the option to use Paypal as a form of payment did not say it was " Paypal Credit '' so I was not aware that that is what I was being charged through. I am college student and did was not receiving the bills at school, so when I cam home last week I found an enveloped addressed to me that said that since I had not paid Paypal Credit back, I owed them {$510.00} ( I unknowingly had been charging a few items with Paypal Credit over a 4 month span even though I had money in my regular Paypal account ). I then received a letter saying that since I was late on this payment, my payment had gone into collections and that it could be settled for {$300.00}.
My mortgage company foreclosed on my home while I was in the modification process. I received confirmation they received my paperwork for review and then I was foreclosed on 6 weeks later. I later found out that my mortgage company Nationstar purchased my home via a third party. I had planned on giving all the info to the courts on my status hearing date of XXXX/XXXX/2016 and when I got back into the country ( my mother was ill I was in the XXXX taking care of her since XXXX ). I found that my status conference had been cancelled. I also found out that my same mortgage company was involved in illegal insurance scams and as a matter of course I had a flood in my basement which my insurance ( given to me by my mortgage company ) refused to pay for mold damage of several thousand dollars, I in fact have yet to receive even any monies for the burst pipes and broken window that occurred when the water hit the window and broke it. Nationstar is a predatory lender and should be put out of commission.
I had a debt with XXXX  XXXX XXXX - XXXX that I paid XXXX XXXX XXXX {$1300.00} on XX/XX/2018. The next day I was contacted by XXXX  attempting to collect the same debt, when I informed them that I had paid it through XXXX XXXX XXXX, XXXX then filed it on my credit on XX/XX/2018.
On XX/XX/2018 i submitted a dispute to Transunion for XXXX XXXX XXXX  in which i have no idea where this account originated from. I also mailed XXXX  XXXX on XX/XX/2018 to validate this said account. I never received any response from either and followed up on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, I have yet to received any correspondence in regards to this account.
This very small insignificant CRA typed the following verbatim response to the CFPB one month ago : LexisNexis Risk Solutions ( " LexisNexis '' ) responds as follows to XXXX second CFPB complaint against LexisNexis ( Case Number : XXXX, filed on XXXX/XXXX/2016 ) : In XXXX latest CFPB dispute, Case Number XXXX, he disputed that LexisNexis did not address his concerns in his initial CFPB dispute, Case Number XXXX. We apologize for any confusion we may have caused XXXX XXXX. The duplicate liens and addresses XXXX XXXX references are not being reported in consumer reports provided by LexisNexis. A copy of XXXX reports will be mailed to the address referenced in his complaint. 

If XXXX XXXX has additional concerns he may contact the LexisNexis Consumer Center at XXXX, during the hours of XXXX and XXXX EST Monday-Friday.
Today is XXXX and I am writting regarding a loan with Ocwen Loan Servicing which I paid this loan off on XXXX. My records indicate that I overpaid the loan by {$6200.00} and in calls with the servicer they verify that it was paid in full and overpaid by the amount I have indicated. I have been waiting for a final statment and reimbursement of the amounts overpaid totaling {$6200.00} since XXXX.
One of my lenders, Navient, offers an additional Interest Rate Reduction Benefit on their loans that they claim I 'm not qualified for. They claim there are XXXX requirements to qualify for this particular interest rate reduction benefit : 1. Make 48 on-time payments. 
2. Create an online account before a grace period ends. 
3. Be set up for e-mail correspondence. 
When I initially called their customer service line to ask about this interest rate reduction benefit, I was told I was n't eligible for it because I was not set up for e-mail correspondence. The representative I spoke with agreed to follow up with me after doing some more research. 
I received a letter date XX/XX/XXXX that now says I am ineligible for this interest rate reduction benefit because Navient 's records indicate my payment for XX/XX/XXXX was not on time and I was disqualified, which is strange, since my payments did n't start until XX/XX/XXXX. I 've attached the export from Navient 's website of the disbursement and payment history over the life of my loan, as well as a photo of the letter Navient sent. 
Ultimately, I would like this interest rate reduction benefit applied and backdated to the life of the loan, as well as all my payments.
XXXX XXXX XXXX has been calling me repeatedly throughout the day for weeks now. They constantly use different numbers to get around being blocked. The most recent numbers they 've used are XXXX, XXXX and XXXX. They never leave a voicemail so I 'm not sure what their supposed business is with me, and they 've also never sent me anything via postal mail. This is the SECOND time I 'm reporting this company for harassment. The first time, they claimed to have put my number on a do-not-call list and that clearly was a lie.
I went to a  XXXX  minute clinic for services in  XXXX    XXXX  . Thinking my  XXXX  card used that day was sufficient, I later learned that it was n't. I first learned that I owed money not from receiving a bill from  XXXX , but collection notices from  Transworld Systems Inc. a fter the second notice, and some of my own research that I in fact had n't paid  XXXX  yet, I then paid my debt of {$100.00} directly to  XXXX  in  XXXX    XXXX  . I am still receiving collection notices fro m TSI ( 4th   n otice ).
On XXXX XXXX i filed a complaint/dispute with Experian in reference to a state tax lien that is being reported on my credit file. The lien has been deleted from the other XXXX credit bureaus as coming back as unverified from the state. Experian stated in their response to the XXXX/XXXX/16 dispute that you would respond by 30 days. 
you never supplied me with a response on the CFPB portal where the complaint was initially filed, but you stated in the initial response on ( XXXX/XXXX/16 ) * At your request to begin an investigation, we are in the process of contacting the public record vendor to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. * A debt should be validated from the state that filed the lien not a PUBLIC RECORD VENDOR! thats how you choose to keep reporting but no other bureau will report it because it has not been verified by the state! A public record vendor can not be the one verifiying this debt- its against my rights to have someone/vendor verify a debt that is being reported against me. especially when they do not and can not supply any proof or documentation that indeed this debt is mine
We have been trying to get a loan modification from Nationstar ( now Mr. Cooper ) since XXXX XXXX  2016. We have been giving loan modification paperwork which we have filled out. In XX/XX/XXXXwe were given a modification whereas we sent in a XXXX XXXX money order of ~ {$2600.00}. We did not hear back from them and after a month we contacted them and Nationstar said they never received the money. We received a notification from XX/XX/XXXX that the money was never claimed. We gave Nationstar all the information from XX/XX/XXXXand after much deliberation we were given another chance for the modification. Sent in all required paperwork again and again, never heard back from them. I called Nationstar in XX/XX/XXXX asking about the modification and they stated they never received the information. I sent them the email with the documents and the date it was sent. again, everything seemed to be ok until we received another notification we needed to supply bank statements now. after that we had to send a copy of my wife 's Social Security Card. even though the number was on the forms they sent.
we just received in the mail yesterday saying they could not go forward with the loan modification as we have not supplied them with the proper documentation.
FYI -- - I spoke with management of Mr. Cooper inXX/XX/XXXX telling him I would be contacting CFPB. they strongly suggested I do not do that. However I do not know what else to do and I would like help resolving this issue.
thank you in advance for your help in this situation!
On XXXX XXXX 2007 I applied for a personal loan at my bank Bank of America here in XXXX XXXX, Fl, the load was for a XXXX XXXX XXXX that was for sale at a very good price. So I needed to move on the sale, XXXX XXXX XXXX was the XXXX and man who handled the loan! On XXXX XXXX XXXX XXXX called me to come over the bank to sign for the loan, when I got there he told me for some reason the bank had made it a secured loan with my house ( which was paid for ) as security. ( my home is valued at about XXXX ) I did n't like the idea, but thinking XXXX XXXX was a friend and I had been doing business for years with him I accepted it, mostly because he told me I could pay ahead and have it paid off in a short time ( the loan was for 15 thousand dollars and it was for 25 years ) I have been paying, and doubleing up payments and sometimes more, I noticed that the balance did n't seem to be going down even though my agreement with XXXX XXXX was that any payment over the base amount would go toward principal! 
Upon checking I found that the bank had not been doing as they agreed and between XXXX XXXX, 2007 till now I have paid {$9600.00} in intrest and if I continue to pay as they want I would be paying over 100 % intrest on this loan. I would thing that this loan, was called a simple intrest loan, is named that because a person has to be simple to accept XXXX, in fact when I complaind to the bank the woman laughed and said they do n't give these loans anymore! I woulf like for Bank of America to go back and figure what I ouw then if they would have followed the original agreement I had with the loan maker XXXX XXXX XXXX Bank Manager and loan maker!
XX/XX/2014 I forced into purchasing a time share owned by XXXX XXXX at the time I was forced and when my husband and myself wanted out they refused. So we were charged by Bank of America {$2900.00} and they refused to help. Bank of America has a link to XXXX XXXX and refuses to help. It was fraud and Bank Of America is refusing to corporate with us. My husband and I just want our money returned and case closed please.
To whom this  may  concern, I write this complaint to seek clarification regarding information reported to my Equifax credit report. Quite illogically, my Equifax credit report is reporting what appear to be identical records on multiple occasions - artificially inflating the number of credit accounts on my credit report.     Specifically, as can be seen in the attached document, accounts with the   XXXX   XXXX   XXXX  / XXXX  and   XXXX   XXXX   XXXX   XXXX   are reported in what appears to be a duplicate fashion. Which, notwithstanding other potential problems, constitutes a violation of the fair credit reporting act.
This morning my mother found out that Citicard had switched her to paperless statements without notifying her or asking for authorization. I 'm pretty sure this is illegal but even if it 's not it 's an abuse of the system. My mother is probably like many Senior Citizens in that she prefers to receive paper statements. Not receiving one meant that she was charged a {$53.00} late fee on top of her minimum payment. The good news is that when she spoke to a representative they told her they 'll credit the late fee to her next bill ; my concern is that more people need to be aware of this potentially happening to them and ruining their credit rating. At the very least.
I purchased furniture from Conns on XX/XX/XXXX and I 'm totally disgusted with the quality of the furniture. I purchased a XXXX camel sofa, loveseat and chair, a XXXX queen size mattress with a box spring and queen frame. After tax, down payment, property damage insurance and finance charges, the charges totaled {$2800.00}. I 'm on a 30-month payment plan and so far, I 'm halfway through paying for this junk. Within a few months of having the furniture, the legs on the sofa, loveseat and chair broke. And the mattress had severe depression in it. I had to call the repair technicians five times for repair ... three times to repair the sofa/loveseat/chair for the same broken legs and flattened seat cushion, and twice to examine and then replace the queen size mattress. The sofa continued to have the same problem with the legs but I had XXXX in XX/XX/XXXX and was unable to deal with the repair at that time. My recovery was slow but I was able to call Conns back in XX/XX/XXXX about another sofa repair for the same issue but I was told that the manufacturer 's warranty expired on the furniture in XX/XX/XXXX. And, I was told that the only option I have is to purchase an extended warranty or pay for the service repair if a technician comes out. I 'm not doing that. This furniture is n't worth me spending any more of my money on it. 
The last time the sofa was repaired back in XX/XX/XXXX, I was told by the repair technician that a lot of their customers have the same problems with the XXXX sofa set that I purchased and that the company will try to repair it before replacing it. My set should have been replaced but each time the technician came to my house, he repaired it but I keep having the same problem. The wooden dowels in the sofa are small and the repair tech only replaced XXXX dowel in XXXX leg of the sofa ... but even it broke again. And, the depression in the replacement mattress is worse than the depression in the original mattress. I was told that there is still a warranty on the mattress so I 'll call repair to try to get the mattress replaced a second time. 
On Monday, XX/XX/XXXX, I was told by XXXX, a customer service rep in the XXXX, TX corporate office that it 's my ( the consumer 's ) responsibility to notify the manufacturer about faulty merchandise. I told her it 's Conn 's responsibility to stop selling this faulty junk especially when they know it 's no good. There has got to be something that can be done because Conn 's is taking advantage of consumer 's who are credit challenged by providing them with poor quality merchandise. Since the mattress is still under manufacturer 's warranty, I 'm going to attempt to get a better mattress this time but I need to know if there 's something that I can do about the furniture set - It should have been replaced but because the technician did n't make the recommendation, they wo n't do anything about it. PLEASE HELP!!!.
My bank account was closed without notice by Wells Fargo for no apparent reason. The account was paperless, which saves Wells Fargo money on printing and postage. Wells Fargo is now trying to charge me XXXX dollars for each of the XXXX check images associated with this account, which I need to access for tax purposes. I 'm all for switching to electronic record keeping, but Wells Fargo has used this as a way to extort money from consumers. I 'm perfectly willing to pay some reasonable fee to get access to these files, but a total cost of over {$1900.00} to access my own information seems completely unreasonable. The Wells Fargo help line referred me to my local branch. I have tried to work with local bank representative XXXX XXXX to come up with some reasonable solution to this problem, but she has been adamant that Wells Fargo has a right to charge these exorbitant fees. 
I am perfectly willing to pay some reasonable fee -- say a few hundred dollars, but I am not about to pay {$1900.00} to access an electronic file. If they do n't want to give me access to the electronic file, they can use the old system and send me the paper checks. 
XXXX XXXX can be reached at XXXX.
I noticed  XXXX  collections on my credit report from Americollect. I sent for validation of the debt since it did n't state who the original creditor was. it only had  XXXX  and one for  XXXX . Americollect never responded, yet they continue to report this inaccurate information on my credit file. This agency is not bonded to collect in my state. They are operating illegally and they are violating the laws of the Fair Debt Collection Act.
This agency never sent me a letter or anything notifying me that they were putting anything on my credit.
Received notification from XXXX XXXX on XX/XX/XXXX that a collection account was posted to my credit report. Credit report indicates collection account from Portfolio Recovery Associates. Never received any notification by mail of this account or this action. Had no opportunity to verify or dispute alleged debt. Repeated harassing calls from rotating numbers several times a day for months no messages ever received. Research on my part indicate the numbers are Portfolio Recovery Associates. Still unclear where debt originated or what the account is. Portfolio Recovery Associates reported to credit bureaus age of debt is reported as 4 years 10 months showing was opened in XX/XX/XXXX. We had filed bankruptcy XX/XX/XXXX. I believe from research we can not be sued but it shows up as a collection account. Under Texas Debt collection act it is past statue of limitations.