WillisBack/dataset-financial-user-claim huggingface dataset:
There has been a collection on my credit report for 4 years now. It is a  Utility bill th at is in my name yet under an address that I have never resided at nor gave permission to have it put in my name. I have contacted the original credito r on  XXXX /17 they have sin ce then advised me that they have concluded it is not mine and advised  XXXX  and equifax on  XXXX  17 to h ave it removed.  XXXX  removed it immediately however, Equifax refuses to remove it after explaining everything and disputing the situation 3 times since   XXXX   of 2017    .
Received a collection letter from NORTHSTAR LOCATION SERVICES LLC XXXX XXXX XXXX XXXX NY XXXX PHONE XXXX XXXX XXXX   CREDITOR XXXX XXXX XXXX ( PAYDAY LOAN ) BALANCE DUE {$2100.00} I ASSUME THEY PURCHASED THIS LOAN FROM XXXX XXXX/ PAYDAY LOANS ARE ILLEGAL IN THE STATE OF NEW JERSEY UNDER CONSUMER LOAN ACT , N.J. Stat. Ann. tit. 17, 1 et seq., N.J. Stat. Ann. 2C : 21-19., N.J .

Ann. 17:15A-47 They are attempting to pursue a judgement on an illegal loan.

The loan was for XXXX  I have paid $ XXXX.Principal balance left {$980.00} I will be sending certified letter to them stating they are in violation of NJ LAW FOR PURSUING COLLECTION OF AN ILLEGAL LOAN
I recently pulled a free credit report from freecreditscore.com. It outlined some erroneous information was previously deleted from my consumer report. It is the same game that that these credit bureaus continue to play. It is fraud and some one needs to actually stop them dead in there tracks! It has a very negative effect on my score and personal life and future endeavors. They continue to sell the derivatives over and over, which effects the sovereignty of the people of this nation and have no honor or accountability in dong so!
I sent a jeweler a total of {$700.00} for labor to make an engagement ring using the company XXXX that is backed by my bank Wells Fargo. 

I transferred {$500.00} on XX/XX/2018 from my checking account. 

I then transferred {$200.00} on XX/XX/2018 from my savings account. 

This jeweler has never followed through in making the ring and has failed to reimburse me. 

I attempted to file a claim of fraud through Wells Fargo and was told that since I technically approved the transaction there was nothing they could do for me. 

I feel this is my last option besides filing a suit in small claims court.
On the morning of XX/XX/2019, I logged into my online checking account with Fifth Third Bank to realize that I had a negative {$100.00} balance due to an overdraft charge in the amount of {$140.00}. In an effort to resolve this situation I called Fifth Third customer service, in which I was told that the {$140.00} in overdraft charge was made up of five ( 5 ) separate {$30.00} overdraft fees on my account. Further, the representative informed me that I was only able to receive two ( 2 ) credits back totaling {$60.00}, which was their company policy. Very upset by this, knowing Fifth Third was going to keep {$90.00} of my money due to the proposed resolution, I asked to speak to the representatives supervisor in which I received the same correspondence. Still not satisfied with my resolution, I asked to speak to the supervisors manager, in which I was then informed by the manager that he had the ability to give me back my credits in full but said he would not past the two totaling {$60.00}, meaning Fifth Third was keeping approximately {$88.00} of my hard earned money! I asked the manager to make a good will exception to this and refund the total {$140.00} but he impolitely refused. So, as of this complaint, I have not received any credits, was promised I would receive two credits totaling {$60.00} tomorrow, and the remaining {$88.00} will never be returned.

After being on hold for over 25 minutes throughout this entire  situation, I re-explained multiple times that this situation was due to a deposit/withdrawal timing issue with my account ( I recently closed my old checking account and opened up a new account approximately 3 to 4 weeks ago, in which a lot of my auto withdrawals and autopay bills needed to be re-setup ). Additionally, this issue was also due to the fact that no one ever informed me nor asked me if I wanted to be enrolled in over-draft protection. I was under the impression that I always was enrolled, but the manager told me I was not and that it was not their responsibility to do so. If I was enrolled, I would have had my savings funds available to cover the overdraft ( which I had plenty to cover at the time of this error ). To make sure no more fees take place, I have had to transfer money from my savings account to cover the balance ( making my new balance + {$97.00} ), considering the rude manager did nothing to  help me and actually told me he had the ability to do so! I am extremely upset because if you look at my checking account, as of this morning ( only being a manner of a couple of hours ), the ONLY reason my account balance is negative is due to these egregious fees. A grace period or good will adjustment would have fixed this problem. I have been banking with Fifth Third for approximately 15 years and have never been treated this poorly. Further, since Fifth Third Bank has not ever asked me / enrolled me in auto-draft protection, I believe I have been treated in an unfair, deceptive, and abusive manner. This situation is honestly another situation where a Bank is taking advantage of the everyday consumer, which is NOT okay.
I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close XXXX XXXX XXXX XXXX XXXX XXXX XXXX has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to XXXX she confirmed I was paid through XXXX. I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus. <P/>Not more than two payments past due ( 2 ) - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has flagged your account as Not more than two payments past due ( 2 ). Alert Type : Potentially Negative Found On :XX/XX/XXXX Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score. <P/>Balance spoke to XXXX last payment made- way XX/XX/XXXX. Paid up through XX/XX/XXXX. Confirmed. I then asked for an acct manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a manager who I relayed my request for resolution! I finally Reached XXXX a Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.
On XXXX XXXX I signed an email consent for a loan with Big Picture Loans for {$1000.00}. My repayment terms were supposed to be 3 payments of XXXX which would equal XXXX which is outrageous but doable for interest. On XXXX XXXX a payment of XXXX was taken from my checking account. I looked up my account on the webpage and it said I was under contract for for 6 payments of XXXX which equals XXXX. I would have never agreed to such terms. I contacted the company via the webpage and got no response. The next day i tried to log onto my account and it was no longer available. I called the company and said they did not have my information and wanted my drivers ' license number and checking account number and social security number to access my account. I was not going to give this information out again. Two days later I log onto my account and there is no information just a note saying the loan is past due. The next payment is n't due until XXXX XXXX.
on XX/XX/2018 I received notice of an XXXX computer ordered on my XXXX account. I called customer service and cancelled the order and the credit card that was opened in my name in fraud. I then received the card and called Syncrony Bank and again cancelled the card and closed the account as fraud. 
I have systamatically changed all my login passwords to hinder the thief that tried to do this to me.
I had paid off the full balance of my XXXX XXXX issued through XXXX XXXX   after calling and asking them for the payoff amount. I proceeded to pay the payoff amount and assumed that my card was fully paid off because the representative had told me that was all I needed to do. Months later I was sent a letter that my account would go to collections soon if I did not pay the balance. I was never warned before this that the payoff amount was not correct and received no contact until I found out my account was over 30 days late. By this point I paid immediately and tried to contact XXXX XXXX  but they never answered the phone any of the times I called the consumer affairs department. After this I got an alert that they had reported my credit card as 30 days late to the bureaus and this seriously impacted my credit score.
On XX/XX/XXXX, I submitted an online application at AMEC mortgage giving permission to pull my credit for a loan. Two weeks later, AMEC pulled my dad 's credit to add him to the mortgage and accidentally pulled my credit a second time. Through several email exchanges, this is what they determined. 

The following are the emails from AMEC mortgage : XXXX we pulled your credit XX/XX/XXXX when we added your dad, XXXX pulled credit again because he did it on you and your dad. ( he really didnt need to pull yours again, but I think he forgot and pulled them as a joint account ). I have since called credit plus and they separated the 2 reports and the ones we will be using for your loan are the ones dated XX/XX/XXXX. We cant fix this but it doesnt make that much of a difference. I apologize for XXXX. 

Email from his assistant : Please dont dispute this, it will show up on as a dispute and it will affect the loan approval. Every file has a soft pull 10 days prior to closing and that is where the dispute will show up. In order to get the loan re-approved, you would need to remove the dispute. I would suggest you dispute after you close, but not before. 

Credit was pulled ( not arguing that ) but they say when it was pulled on XX/XX/XXXX and that it was a mistake. I was later told not to dispute it until after closing because it would hold up the loan process. So I waited. In the meantime, XXXX XXXX, the mortgage lender in charge here and I had a falling out due to terrible ethical practices that my realtor would love to be a witness to in court. It should be noted that XXXX owned a house on the same street that he was putting on the market shortly after my closing date. I wrote a bad review on XXXX and now XXXX XXXX is now retaliating against me by refusing to remove the accidental credit inquiry which has impacted my credit negatively. This is a hardship on my way of life and now I fear more retaliation since he has all of my personal information.. This has caused undue emotional stress and anxiety. 

I filed a dispute with the reporting company and XXXX XXXX refused to remove the mark and sent a condescending letter. I just want my credit fix that he ruined through terrible business practices.
I have multiple issues with National Credit Systems , Inc. including, but not limited to : -I have received multiple requests for funds, without an explanation of why the amount is what it is. The collection bill is not itemized and does not reflect what I was actually paying while I was a resident of the collection agency 's client- Piney Point Apartments. So I 'm not sure where this arbitrary lump sum amount of {$950.00} is coming from. -I never once received notification directly from XXXX XXXX XXXX saying that I owed money or that they would be forwarding a balance to a collection agency. They have all of my personal information on file, so there 's no reason why I should n't have been notified before being sent to collections. -Neither XXXX XXXX XXXX nor National Credit Systems , Inc. have informed me when this collection balance became delinquent or when the statute of limitations will expire. -National Credit Systems , Inc. did not disclose that they would be sending the collection balance to my credit bureau immediately, without allowing for resolution first. -National Credit Systems , Inc. never once identified themselves nor did they have any identifying information about me or the specifics of my residency at XXXX XXXX , when contacting me. They also have failed to identify themselves either by name or by licensing number. -I 'm getting random collections calls from every state in America , which seems a little bit shady if this is supposedly a legitimate business based in XXXX , GA. -Legally, the apartment complex had to notify me before forwarding my personal information to a collection agency, which they failed to do. I never once received correspondence directly from XXXX XXXX.
I have disputed several inquiries on my Equifax report. They have supposedly completed investigation in less than 24 hours, reporting they have factual record of file access. I have requested they send me " factual records '' & it has not been provided. For car financing inquiries, it was requested at dealership that my they not 'shotgun ' my credit, meaning not to send to multiple financing companies.  XXXX  representative stated to me that they would not do a hard inquiry when starting services. Representative stated she need to do a soft pull just to make sure I did not have a balance from an old account. I have made multiple attempts to contact  XXXX  and they continue to transfer to someone who speaks broken English and can not understand my request.
We owned a property in XXXX Florida. 
We have had problems dealing with the Mortgage Company ( in-consistent, transferred servicing/ change of attorneys etc ) and their non-conformance to a US Bankruptcy Court XXXX XXXX XXXX Court Order, Confirming our Chapter XXXX Plan, in which all parties agreed to " surrender of Property, in XXXX XXXX. 
My attorney was involved and also unsuccessful. 
Unfortunately the Mortgage company proceeded with Foreclosure rather than " Deed in lieu of ''. 
Keys were sent to a representative/agent of the Mortgage company in XXXX. 
We received in XXXX, a Florida Court document " Stipulation to consent to entry of Final Judgement ''. Clause advised that with signing the document we would receive {$1000.00} ( ( which we did in XXXX ) and another payment of {$2000.00} within 10 days of the sale. 
We have received a copy of the Certificate of Sale for auction on XXXX XXXX, XXXX. We complied with all the requirements and have still not received our {$2000.00}. 
In addition because of the delay and non compliance to the XXXX Bankruptcy Plan, we have lost rental income of {$7500.00} per year for XXXX, XXXX & XXXX. 
We welcome your help to resolve this matter.
Please be advised I have a tradeline from XXXX XXXXXXXX XXXX on my credit report! It is a self lender account as to where I paid a certain amount each month and it is deposited into a CD and at the end of the term ( which I have completed ) I get my money plus interest back! The tradeline is showing I was 30 days late in XX/XX/2017 which is not correct! I was never 30 days late!
1. Private Student Loan originated - XX/XX/XXXX 2. Repayment began XX/XX/XXXX 3. Faxed in school deferment forms XX/XX/XXXX with verification of enrollment. ( I have proof of documentation as well as correspondence from XXXX of eligibility of deferment ). 
4. Was told to make 3 payments of specified amount by XXXX XXXX ( XXXX ) to make loan current through beginning of school Fall XXXX semester beginning XX/XX/XXXX with registration XX/XX/XXXX ( I have proof of payments made and account in good standing as well as enrollment verification. ) XX/XX/XXXX Payment - {$66.00} XX/XX/XXXX Payment - {$120.00} XX/XX/XXXX Payment - {$100.00} 5. Was First notified on XX/XX/XXXX that loan was in default with no previous contact or notification from XXXX except for a " this is not a bill '' statement received on XX/XX/XXXX. 

6. I was told on XX/XX/XXXX, by representative to resend documentation of deferment ( I have email proof as well who I spoke with ). 

7. XX/XX/XXXX loan was charged off without warning and I was notified by XXXX XXXX XXXX. 

8. Called XXXX, filed complaint, they researched into this complaint and in less than 24 hours without contacting me for any documentation said there was nothing they could do even with the proof of documentation I sent. 

9. Currently, 4 law suits against XXXX for this exact reason. 

10. Please help as it is preventing me from getting financial aide to complete my education.
I paid off my collection not only for the original amount but they charged me additional amount to have it removed and it does not show paid or has it been deleted. I have called their company XXXX XXXX XXXX XXXX several times and they tell me they will report it again and it is never done. I need this off my credit report as I 'm working very hard to get me score back to good. As you can see I have no late payments.
This is just a crazy series of events. I am a XXXX and I feel I am a victim of a scam. A man, XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX stopped by my home stating he wanted to put vinyl siding on my house to make it look better. I told him I could not afford it. He said he might be able to get it financed. Without further communication from XXXX XXXX, a man named XXXX XXXX XXXX XXXX, a contractor, showed up and started putting vinyl siding on my home. No agreement of any kind had been discussed with XXXX XXXX. Note : My home did n't need vinyl siding to protect it as it was covered with slate shingles that will be here forever. 
Next thing I know I receive a loan statement from Green Sky ( XXXX - XXXX ) of XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX. XXXX. Green Sky 's " loan statement '' shows XXXX as the lender. The loan statement was for around {$9800.00} at 11.99 % interest for XXXX months creating a finance charge of {$4800.00}. I assume this was from XXXX XXXX and the vinyl but I had not asked for credit, filled out an application or signed a contract of any kind, signed or agreed to anything with XXXX XXXX, Green Sky, or XXXX Bank, so I do n't know if this is where this debt came from but assume it to be the case. Evidently XXXX XXXX was paid and is now out of the picture as calls to him resulting in him just stating that " he dealt with a lot of XXXX people '' and offered no help or explanation. 
My issue is I never receive any kind of statement from XXXX XXXX as to the cost of vinyl siding or did I agree for him to put on the vinyl siding on my home. Also, I have never filled out any type of application for financial assistance from XXXX XXXX, Green Sky, or XXXX Bank. I would have never agreed to the amount or interest rate as shown from Green Sky or the amount showing as I am on a fixed income. As a XXXX I had my brother, XXXX, to call XXXX advised send letters to Green Sky stating due to FDCPA I do not owe this debt. They also said that Green Sky had many complaints from the Better Business Bureau. 
I have enclosed copies of these letters I have sent to Green Sky and XXXX Bank stating this debt is not mine and to show me where I applied or signed for this debt. They can not as I never agreed to any debt in this situation. Now XXXX Bank is showing up on my credit report causing my credit score to go down. My brother contacted XXXX Bank XXXX and they stated they had no affiliation with Green Sky and refused to give me their ( XXXX Bank XXXX address. Note : XXXX Bank is on Green Sky 's loan document and now XXXX Bank is on my credit report. I found the home address for XXXX Bank on line and sent them the letter enclosed as well. 
I would appreciate you looking into this matter and stopping this unfair practice I believe to be a scam and have Green SkyXXXX Bank remove this debt from my name and remove it off my credit report. 
Thank you.
XXXX XXXX XXXX sent me to collections for a bill for services that were never rendered. XXXX was also extremely aggressive with monetary threats to get me to agree in the first place. I feel coerced into the initial agreement, and sending me to collections for a bill for services that were never rendered is absolutely illegal.
I received a debt collection bill from XXXX XXXX today. I called the company twice today to dispute the debt, and I asked for verification. The first time I spoke to XXXX. She abused and hurt me tremendously.  After disputing the bill and asking for verification, she made the following comments to me: The bill is for $XXXX, even though according to the bill, it is for $XXXX. Then she indicated that I'll receive more bills from them shortly. Then she hanged up on me.  She abused and overwhelmed me intentionally for no reason. I don't know why.  I called right back. This time I spoke to XXXX. She did the same thing. She abused me and hurt me intentionally. After requesting and getting the USCB record ID # from me, she said that in fact there are two bills, and that I'll receive more bills soon. Again, why she abused and overwhelmed me is something I'll never be able to understand and figure out. I called to dispute the debt and I asked for verification. However, she abused me and put me down. What these two young girls did to me are illegal, abusive and hurtful. I believe that not only the company is liable to me, but both these young girls are personally liable to me as well.  I'll not tolerate and accept abuse and torcher coming from two psychotic and irrational teenagers intentionally.  Both of them are personally liable to me for abusing and hurting me.   What they did was illegal and manipulative. They had bad intentions.  I recorded both telephone conversations. Please help me discipline this company and these two abusive representatives. Also, please help me receive compensatory and punitive monetary damages that I am honestly entitled to. Both girls abused and hurt me. Abusive collection practices are not acceptable and emotionally damaging.  Committing manipulation, lying and abusing me is not permitted by law. Right now, I am suffering, hurting and experiencing pain because of them.  I will not tolerate abuse coming from two teenagers. The appropriate  government agency should not tolerate it as well. Please  discipline USCB and both these psychotic and hurtful representatives. Thanks. I would appreciate it.