WillisBack/dataset-financial-user-claim huggingface dataset:
Complaint : Both the Accounts shown below were settled in NJ XXXX order in XXXX XXXX, I made the final payment of ( approx {$4300.00} ) as ruled by NJ XXXX XXXX, this collection should be settled based on that court settlement and reported as settled. The court case was filed by the Apartment company, with who I had a dispute about XXXX terms. The name of the Apartments company is : they have 2 names : XXXX XXXX XXXX XXXX XXXX 1. 
Account NameEXECUTIVE CREDIT MANAGEM Account XXXX Account TypeCollection ResponsibilityIndividual Date Opened XXXX/XXXX/XXXX Status Collection account. {$4300.00} past due as of XXXX XXXX. 


2. 
General Account Info Report Number : XXXX Date Generated : XXXX XXXX, XXXX Account NameEXECUTIVE CREDIT MANAGEM Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Status Collection account. {$1500.00} past due as of XXXX XXXX. 

This specific Apartments company called XXXX XXXX XXXX XXXX XXXX A O XXXX ) is notorious for cases and claims in Northern New Jersey they have multiple consumer complaints going on against them. 
They are crooked and very unethical Apartments rental company. when I was living there multiple cases with tenants were ongoing.
Equifax refuses to provide me with a supervisor when I as for it and instead their boiler room representatives hang up on me.
I filed chapter XXXX bankruptcy on XX/XX/XXXX.XXXX/XXXX was one of the Creditors in the bankruptcy.A few years ago every creditor i filed chapter XXXX bankruptcy against has disappeared on my credit reports except XXXX/XXXX.Currently my credit reports shows Michigan XXXX XXXX under Public Records and XXXX/XXXX under closed accounts.No other creditor i filed bankruptcy against is on my credit reports except XXXX/XXXX.Ive tried disputing on all credit reports and even called XXXX to remove under closed accounts, but for some reason they wont.Currently, My XXXX report shows : Date opened : XX/XX/XXXX Balance:XXXX Pay status : Account included in Bankruptcy, closed account Date Closed:XX/XX/XXXX Date updated:XX/XX/XXXX Last Payment made:XX/XX/XXXX High Balnce:XXXX Credit Limit:XXXX Remarks : Chapter XXXX Bankruptcy ; Acct info disputed by consumer ; closed by credit grantor I have takened all steps to resolve my issue with XXXX/XXXX and cant get them to make corrections.Its like they are punishing me for filing chapter XXXX bankruptcy against them
My wife, XXXX XXXX, and I are the victims of a fraud committed by XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) on XXXX XXXX, XXXX in violation of the Consent Order entered by New Jersey Division of Consumer Affairs against XXXX XXXX, In re : XXXX XXXX XXXX XXXX, XXXX Div. of Consumer Affairs ( XXXX XXXX, XXXX ) ( effective through XXXX XXXX, XXXX ). By way of complaint against XXXX XXXX and its sales representative, XXXX XXXX ( " Sales Representative XXXX '' ), XXXX XXXX and I state:1. On XXXX XXXX, XXXX, we test drove a used XXXX XXXX XXXX, XXXX XXXX, bearing the Vehicle Identification Number ( VIN # ) XXXX ( " XXXX XXXX '' ), at XXXX branch at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 


2. We later purchased the same XXXX XXXX from XXXX for a total of {$22000.00}, including more than {$14000.00} in credit from my wife, XXXX XXXX J.P. Morgan Chase & Co. Small Business Credit account. 


3. Before purchasing the XXXX XXXX, my wife and I noticed an orange image on the car 's dashboard ( " Orange Signal '' ). During the test drive of the XXXX XXXX, we asked Sales Representative XXXX what the " Orange Signal '' represented since we had never purchased or owned a XXXX XXXX before. In response to our inquiry, Sales Representative XXXX represented that the " Orange Signal '' light was due to the fact that : " The car needs an oil change. Just take it in for an oil change and that light should go off. '' Sales Representative XXXX further represented that even if the orange warning light indicated a more serious problem, we could simply take it to the XXXX dealer and get it fixed under XXXX XXXX " bumper-to-bumper '' warranty or any other warranty we chose. 
4. XXXX XXXX 's claims were false and fraudulent. At the time XXXX and Sales Representative XXXX made the above representations to XXXX XXXX, both knew : ( A ) That no used car warranty for the XXXX XXXX XXXX would cover identified, preexisting conditions of the car, ( B ) That the orange warning light indicated a serious problem with the XXXX XXXX emissions, which would not be fixed by Sales Representative XXXX suggestion of " an oil change, '' and ( C ) That XXXX XXXX and XXXX XXXX would likely not purchase the car if they realized the problem with the XXXX XXXX engine because they had stated to Sales Representative XXXX that they " hoped the orange light did n't have anything to do with the engine, '' which prompted Sales Representative XXXX suggestion of " an oil change. " 5. When we took the XXXX XXXX to our mechanic immediately after the purchase, he informed us that there was a serious problem with the car 's interior emission system, which was indicated by the " Orange Signal '' we had asked XXXX XXXX about. It cost us more than {$1200.00} to repair and XXXX XXXX XXXX XXXX and Sales Representative XXXX now refuse to pay the fee.
I  am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my c redit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database  XXXX  search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that is authorized to do so.   Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.   I will expect you to notify me the results of your investigation within  5 bu siness days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable.   The items that appear on my credit report as  : 1 .   XXXX   XXXX   ACC BAL {$450.00} This account is a HIPPA violation please delete.   2. XXXX   XXXX   XXXX   XXXX   XXXX  Never done business with company error please delete.   3.  XXXX    XXXX  ACC BL {$430.00} This account is a error please delete.    4.   XXXX  ACC BAL {$330.00} This account is error never done business with this company please delete.   5.   XXXX   XXXX   XXXX   ACC BAL {$330.00} This is a unauthorized access to my credit profile error please delete.   6.  XXXX   XXXX   ACC BAL {$240.00}, {$270.00} This account has no details never done business with them. I do not recognize this company please delete.
I was contacted on XXXX/XXXX/XXXX in regards to a payday loan I supposedly taken out on XXXX/XXXX/XXXX. I requested the specifics of the payday loan as I agreed to taking out payday loans in the past but never defaulted on it. The person could not give me any specifics as to who the complainants/broker were however ; she did state the financial institution was XXXX XXXX. I am very skeptical that this is my debt as I 've have excellent history of paying my bills on time for the last 8 years no late payments on credit report at all. As a matter of fact I am certain this payday loan was paid in full. I am sure this is some sort scam or scare tactic and I am not sure what they will try to do to get money from me. I ca n't say the debt is mine or if I 'm a victim of identity theft. I am currently with the same bank and never received any sort of communication about debt being outstanding. I 've lived at the same address for 6 years prior to moving in XXXX XXXX. I have never received any sort communication about delinquency which raises concerns. Could someone provide information on the legitimacy of this debt collector? They only provided a number no company name is noted on answering machine XXXX. Lastly, I checked the debt was paid in full however it may not be mine at all considering they could not provide me any details on the debt.
I HAVE BEEN FRAUDED BY COMPANIES WHO I NEVER DID BUSINESS WITH OR NEVER AUTHORIZED ANY OF THESE CHARGES THROUGH XXXX XXXX. I CALLED XXXX XXXX BUT THEY SAID THEY COULDNT HELP ME BECAUSE I DID MAKE THESE CHARGES AND THE COMPANIES GOT YOUR INFO FROM YOU. I LET HEM KNOW THAT IS UNTRUE AND I NEVER SPOKE TO ANY OF THESE COMPANIES AT ALL. I HAD TO END UP PAYING MY CREDIT CARD OFF AND NOW IT IS CLOSED AND THEY STILL HAVENT HELPED ME. I WILL LIST ALL THE CHARGES WITH DATES AND AMOUNTS SO YOU CAN SEE. I AM A ELDERLY WOMEN AND THESE COMPANIES STOLE FROM MY ACCOUNT. WHY WOULD XXXX XXXX NOT BACK ME AS A CLIENT AND GIVE ME THE AMOUNTS BACK OF WHAT WAS TAKEN FROM ME. THEY SPOKE TO ME LIKE I WAS STUPID   SAYING MEAN THINGS TO ME SCREAMING AND YELLING AT ME. PLEASE HELP ME GET MY MONEY BACK. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
the following has occurred : 1. the notice of payment arrived on XXXX XXXX XXXX that was due on XXXX XXXX, XXXX for payment increase effective XXXX XXXXXXXX.and interest rate increase arrived five weeks late. chase bank has not given me the required 60 day notice of change in mortgage payment amount as required by cfpb regulations and us federa respa law. 
2. chase has not provided at least XXXX and one half years of missing mortgage statements for my XXXX different mortgage account numbers mortgage and refusing my request that mortgage statements be mailed to me. 
3, chase refused to give me a detailed escrow accounting sta tement since XXXX showing all charges including XXXX unapproved or authorized by me property appraisals at {$250.00} each as well as property preservation charges while they maintain dual tracking and mortgage foreclosure files on me. their employees have sent me documents showing chase tried to get nationstar to foreclose on me despite never being behind. other docs from chase show over {$21000.00} of unapplied payments and {$46000.00} of reverals of applied payments and escrow funds while chase demanded I pay mortgage payments XXXX and three times for the same month and year. the docs may also indicate that chase manufactured defaults by not applying paymnts in order to file tax free mortgage default insurance claims with XXXX or other carriers for falsified by chase allegedly mortgage defauls three times for the face value of the mortgage instrument or over {$1.00} million. since XXXX and o ther taxpayer federal funds were used by chase to support these activies it appears that major violations of XXXX federal laws were broken filing these false claims for fraudulent mortgage defaults. chase is currently doing allegedly its best to cover up all these activities and is still running multiple sets of accounting records on computers to allegedly perpetrate this interstate mortgage servicing accounting fraud for which the Occ fined chaes over {$45.00} million dollars.
On XX/XX/2018 I discovered unauthorized debit of XXXX USD 3 times for a total of XXXX USD from my checking account. I contacted Citibank same day to notify them of the fraud. Representative took the information and informed me they will issue me a new card and that I'm not liable of the unauthorized transaction as well within 10 days I should receive a temporary credit of the missing funds. 
Within perhaps 1 to 3 hours after filing notice of the missing funds I receive a notice via email of the account being closed and that I have 30 days to remove any funds I have as the checking account will be closed!! My money gets stolen and even before any investigation on their part I get notice they are closing my account all together!! I opened the account few weeks before to take an advantage of their promo if you open new account and deposit XXXX USD and maintain it for 60 days you will receive XXXX USD. That obviously never happened as they simply kicked me out for reporting missing funds!! I did not care that they dont want me as their customer but on XX/XX/XXXX I received a notice of their investigation that since my card and pin was used they will not issue me a credit back for the missing funds! I have no idea how someone obtain my pin or used my card ( since I never received their original debit card, only the replacement ). Horrible practice, abuse of power, to close an account even before any investigation is a strong indication of profit before service and care for customer.
Capital One Venture : First I XXXX XXXX XXXX A XXXX XXXX XXXX and a XXXX XXXX XXXX. I have/had a capital one card always paid in full and only ever used for travel, household, family purchases. I am a mom of XXXX children XXXX of which are foster kids, so I spend family always. Two weeks ago I went to pay for our family cruise and was informed that my capital one card had been cancelled by capital one. Appalled, I called them and they said that I was not using my card for family and or household purchases. Literally I was embarrassed and shocked. This is all that I used this card for and I have proof of all the purchases. They told me I would receive a letter and I did, it basically said the same thing. I lost my points that I earned and its embarrassing because I havent done anything wrong. Then today my Kohls card was cancelled and they are stating it is because of the capital one issue. I have tried to reach out without any avail. I am not sure what to do!!! I now have 2 cancelled cards on my credit report and the main thing is the embarrassment like I have done something wrong! I want my cards back on and my points. I want this fixed. Should I get an attorney to step in and handle it? I did have my business attorney look at my info and he sees nothing I have done wrong.
I had a background check run by XXXX XXXX XXXX. Two additional names appear on my report that are nothing close to my own, and have never been a previous name or legal alias that I have used.
I had a problem with XXXX XXXX XXXX and my issuing bank, First BankCard ( subsidiary of First National Bank of Omaha ) is not responding to requests for further assistance. When I first contacted them XXXX/XXXX/XXXX, they initially denied my case ( XXXX/XXXX/XXXX ) stating payment was due to the merchant for goods or services provided. I called and spoke to a supervisor named XXXX and explained it all to him and he more or less assured me that I could win the case and get my money back. However, on XXXX/XXXX/XXXX, they denied it again for reasons I 'm still not understanding. I mailed another letter XXXX and have yet to hear from them. I then faxed the manager of the department XXXX XXXX on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX and again, I ca n't get a response.
Making payments on time to Well Fargo. XXXX completed a credit check and determined that our account should be closed, so Wells Fargo closed it. 

I am working to keep our credit as good as possible, although we are having trouble. I paid this bill one time each month and now get to pay a bill to a closed account. Very discouraging and hope to never have to deal with Wells Fargo in future once this is paid in full
I approaced Quicken Loans in XXXX for a mortgage refinance. They were offering a " Match or Beat Offer '' where if they can't match or beat the offer they were to send a {$250.00} gift card. I decided to pursue the refinance with a different company because of a better rate and then later approached Quicken Loans to obtain the gift card on XX/XX/XXXX. At that time they asked me to send all documentation which I did and they responded stating that the gift card should be issued to me and that I should expect in 4-6 weeks that takes us into early XXXX. I received the gift card sometime in XXXX. I did not try to use it until XX/XX/XXXX then again several times in this year. All my transactions were rejected. I called the customer service number on the back of the card but they could not find my card. Then I decided to call Quicken Loans and they asked me to check the expiration on the card. The expiration date was set to XX/XX/XXXX and this was a card that was issued in XX/XX/XXXX. They stated on the call and in emails that it is wierd for a gift card to expire in 3-4 months from the issue date and agreed to look into the matter. But all my attempts at resolving the dispute amicably ended in trash. In my latest email conversation they stated that they changed to an yearly expiration on their gift cards after XX/XX/XXXX. But even with this story, since I received my card in XXXX, it should have had the right expiration of 1 year instead of 3-4 months. Please help me resolve this incident.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Original Debt from XXXX XXXX of {$1200.00} it statesXX/XX/XXXXThis debt was originally from my ex-wife. She opened an account without my permission while I was XXXX serving on XXXX XXXX. I found out about this debt in spring ofXX/XX/XXXXa year and a half after our legal separation. In the divorce proceedings this debt was awarded to my ex-wife and she is responsible for the repayment of the debt. I sent this information to XXXX XXXX XXXX in the summer of XXXX. I had received no word and upon checking my credit report it is still listed. I called today, XX/XX/XXXX and was informed by a representative that they do not honor divorce decrees with debt settlement.
To whom it my concern : My name is XXXX XXXX XXXX, I have Loan with Select Portfolio Servicing, Loan # XXXX and I have a complain the way SPS is handling my situation and the way how they have been treating me. 2 years ago I was in a crisis I went for a long divorce process and my employer reduce my working hours due to slow economy in that time I was also fighting my child visitations rights, I had to paid a lot of money to attorney and to the court. I started to get behind with my mortgage payment and I asked Select Portfolio Servicing for help asking for a Loan Modification program or any other relief available. It is very hard to deal with Select Portfolio because they are always sending me to different departments with the manager of the manager of the manager etc. they request the same information many times, I have been sending this information by Fax many times once they have the information that they requested from me, they asked me again to faxed and a week later the call me to request another information that it was send on the package. I have been doing this over and over and over for the past XXXX years. I have sent all the paper they requested and after I sent all the information they require something else like another paper, another document that has been already sent or a new document. There is no help from Select Portfolio, I am frustrated and stress and I feel Select Portfolio is not taking my situation seriously and also feel they are laughing in my face. I believe this actual Government Administration gave relief money to the banks and to Select Portfolio to help people like me in this Crisis. I am very stress every day because I do not want to lose my home my kids live there. I am XXXX Citizen and I 'm wondering if Select Portfolio does n't want to help me because I am XXXX XXXX I feel discriminated by Select Portfolio Servicing. 

XXXX published on XXXX/XXXX/2015 " Select Portfolio Servicing former employees : We were told to lie '' the article is based on employees of Select Portfolio routinely denied qualified borrowers a chance to modify their loans to more affordable terms and paid cash bonuses to bank staffers for pushing homeowners into foreclosure. 

I think somebody is expecting a bonus if the push me into foreclosure. This is not fair for me and my familyThank youSincerelyXXXX XXXX XXXX
CFPB Shuts Down USA Discounters ' Servicemember Fee Scam!!!! 

I had a XXXX and electronics fro USA Discounters. Pretty much a whole house full of furniture. My concern is that for the longest time i was paying my bill with them to the day i paid it off I 'm affraid i might have been ripped off with the scam you all busted them on. Please research my account with themXXXX XXXXXXXXXXXX/XXXX/XXXXMy account was set-up back in XX/XX/XXXX and i paid everything off XX/XX/XXXX i think if my memory serves me right.
I AM VERY DISTRAUGHT WITH THESE CREDIT REPAIR COMPANIES. AS A BUSINESS OWNER I KNOW THAT IT IS IMPORTANT FOR THE CUSTOMER TO BE SATISFIED HOWEVER I SEE EXPERIAN, XXXX DOES NOT GET THE MEMO. I HAVE CALLED AND CALLED AND DISPUTED AND DISPUTED, AND HAVE NOT GOTTEN ANYWHERE. I HAVE XXXX ACCOUNTS THAT I HAVE NO KNOWLEDGE OF WHICH I WAS ADVISED TO FILE A POLICE REPORT WHICH I DID, AND AN AFFIDAVIT WITH THE FTC WHICH I DID AND THE BUREAUS STILL REFUSE TO HELP ME. THERE WAS EVEN AN UNKNOWN ADDRESS TIED TO THE FRAUDULENT ACCOUNT THAT IVE NEVER EVEN HEARD OF WHICH EXPERIAN DELETED BUT IS NOT TRYING TO REMOVE THE FRAUDULENT ACCOUNTS. I AM DISGUSTED AND MY REPUTATION IS IN HARMS WAY AND NO ONE IS TRYING TO BE COMPLIANT WITH THE LAWS THAT ARE SET TO PROTECT US CONSUMERS. I HAVE A XXXX CREDIT CARD ON MY CREDIT REPORT THAT I NEVER EVEN SIGNED UP FOR AND A STUDENT LOAN THAT I NEVER EVEN SIGNED UP WITH KNOWN AS XXXX. IF THIS MATTER IS NOT SOLVED I WILL HAVE NO OTHER OPTION BUT TO FILE A CLAIM IN SMALLS CLAIMS COURT! PLEASE REMOVE!
Loan was opened in XX/XX/2005 for the amount of {$XXXX}. Monthly payments were supposed to be around {$XXXX} for 10 years with an interest rate of XXXX %. Part way through the loan XXXX XXXX became Navient. According to Navient I still owe XXXX} on this loan after making payments for 12 years. Even though this is not logically possible, Navient continues to charge me and will not review or correct the account.
From XX/XX/2018 I have been disputeing two account with Experian XXXX XXXX   XXXX and XXXX XXXX XXXX XXXX XXXX please note including your Method of Verification. I do notconsent to XXXX or any means of automated verification. yet Experian allowing XXXX XXXX and XXXX XXXX XXXX XXXX to report Verfied over and over after a re- ivestigation. also Account on my Credit report not showing the Full acoount number is inaccurate .FCRA section 611 ( a ) ( 1 ) ( A ). FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) .The credit reporting agency must give you the method of verification information within 15 days of your request.A third party database was likely used to verify the disputeditem automatically, which is insufficient. XXXX XXXX and XXXX XXXX XXXX XXXX File have not provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. i have also file a Identity Theft report with the Federral Trade Commission Report Number XXXX and place a Fraud Victim alert on all my credit report. yet they file to remove these account.