WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX ( XXXX ) and Rent Recover LLC are liars and crooks. They are trying to collect an invalid debt from me and will not remove it from my credit reports/rental history reports, which affects my ability to obtain housing and/or a government job. 
I vacated this property in XX/XX/2016, and am getting charges from XX/XX/2016, when I wasn't even living in the state of Georgia at that time! They are money hungry liars, probably just vindictive that they had to pay ME. 
I have notified both companies several times via phone calls and in writing, to no avail. XXXX ignores my phone calls and does not respond to my voicemails or emails. Rent Recover LLC has been very rude to me : hanging up when I tried to explain their error, calling me names and using profanity. Also, Rent Recover LLC has not responded to my emails either. 
I moved away from the slumlord property, XXXX XXXX XXXX, due to health violations that the landlord failed to alleviate. Yes, this is documented from the GA State Health Department. I withheld rent in order to gain my landlord 's attention. We settled out of court, I signed a Consent Order, along with my attorney and XXXX XXXX, the landlord 's attorney. The order stated that this will not affect my credit as an eviction and that no monies would be owed. I thought it was over until I got denied for housing. I am livid. I don't owe these people and will not pay these people. If this matter is not rectified immediately, I am suing both companies. XXXX, for breach of contract and Rent Recover , LLC for credit reporting violations.
PNC Bank has promoted and advertised a rewards program promising that points earned by using their card will result in gift cards and cash however PNC Bank 's rewards program is a fraud. I have requested redemption of my points in the last 60 days approximately to redeem points for gifts cards and have never received them nor have I gotten a reasonable response from the firm explaining why I have not received the cards. 

In the past PNC has stated that the cash I redeemed but has never provided documentary evidence that the cash actually was credited to my account. In this case, I decided to request physical gift cards totally {$100.00} and still have not received the cards even after calling customer service about the mailing and receipt of the redeemed gift. This is obviously a fraud and false advertising. 

My PNC card ends in XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX.
I currently have a mortage with chase and last year I did a loan modification and I had to send in documents to see if I would get approved or denied but during that time myI could not make any payments due to the fact chase mtg said that I could not tto, so while I waiting for chase to make a decision they were still reporting tomy XXXX credit report they did not make a decision until XX/XX/XXXXand started XX/XX/XXXX and did not give me a decision until XX/XX/XXXX, but Chase Mortgage was still reporting negative in the XX/XX/XXXX 9090DAYS LATE, XX/XX/XXXX 120DAYS LATE, XX/XX/XXXX 150DAYS XX/XX/XXXX XXXX LATE, XXXX XXXX LATE, XXXX XXXX LATE, XXXX ND XXXX MEANS NO DATA FOR THIS TIME PERIOD ), XXXX ND XXXX MEANS NO DATAFOR THIS TIME PERIOD ), XX/XX/XXXX WAS REPORTING OK, XX/XX/XXXXWAS REPORTING OK, I DONT THINK IT FAIR THAT I HAD TO HAVE MYCREDIT REPORTING NEGATIVE WHILE CHASE WA MAKING A DECISIONON IF THEY WERE GOING TO GIVE ME THE LOAN MODIFICATION ORNOT I DONT THINK ITS FAIR THAT I WAS NOT ABLE TO MAKE ANYPAYMENTS DUE TO THE FACT CHASE MTG SAID NOT TO AND THEYSTILL REPORTED BAD INQURIES ON MY CREDIT REPORT IF SOMETHINGIS NOT DONE I WILL CONSIDER FILING SUET AGNAIST CHASE MORTAGEI I WANT THE BAD REMARKS REMOVED FROM MY CREDIT REPORTCHASE IS NOT A GOOD BANK TO DO ANY KIND OF BUSINESS WITHI HATE THE FACT I HAVE TO DEAL WITH CHASE THIS IS A STRESS ONME AND MAKING MY CREDIT REPORT SCORE VERY LOW PLEASEHELP ME I HAVE REACHED OUT TO THEM BUT NO SUCESS AT ALL. 

XXXX XXXX XXXX
PHH has effectively kept us from obtaining a loan modification, for which our mortgage loan qualifies. We had always made our mortgage payments on time every month, but when I suffered an unforeseeable job loss, we saw that it was going to be impossible to stay current with our payments. We proactively contacted their Loss Mitigation Department, but were told there was nothing they could do because our loan was current. One of their representatives advised us to miss some mortgage payments and then they would be able to help us. Twice our loan was reviewed for workout options, but we were denied due to lack of sufficient income. Then we were given a forbearance agreement which we accepted and started making the payments. Unfortunately, Hurricane Irma came through and wrecked our home. We were forced to make repairs to ensure the home was livable and could not afford the mortgage payments. Our case manager from PHH told us that even though there was disaster relief allowed for missing mortgage payments, we still had to make our forbearance payments on time. 
This was impossible and we had to stop making payments. We tried again for assistance, but were told that the could no longer review our mortgage for assistance options and we were shut out of help. Then we had to take matters into our own hands and the State of Florida approved us for the Hardest Hit Fund, but PHH rejected those funds because it did not cover the entire past due amount. However, we had the excess money to pay the deficiency, but the PHH representatives refused the money. This has left us high and dry and we are extremely upset and frustrated with PHH. They are sending our loan through the foreclosure process and we need help to keep our home. We are really hoping that you can help us.
I CONTACTED WFHM REGARDING A FINANCIAL HARDSHIP THAT WAS APPROACHING TRYING TO PREVENT FROM BECOMING BEHIND ON MY MORTGAGE. DURING THE PROCESS I DID NOT AGREE WITH THE PACKAGE THEY PRESENTED SO I DID NOT ACCEPT THE OFFER. DURING THIS TIME I COMPLETED MY REGULAR PAYMENTS HOWEVER I WAS NOT ABLE TO MAKE MY PAYMENTS ONLINE WHICH IS MY NORM. DURING THIS TIME WELLS FARGO DID AND PROCESSED ANOTHER ESCROW ANALYSIS. THE ANNUAL ECROW ANALYSIS STATEMENT DATE WAS XX/XX/XXXX THEN ANOTHER STATEMENT CAME OUT ON XX/XX/XXXX, LESS THAN 30 DAYS LATER. 


HOW IS THIS LEGAL? I DID NOT SWITCH INSURANCE PROVIDERS ... NO ONE FROM THE ESCROW DEPARTMENT EVER REACHED OUT TO ME EVEN AFTER I REQUESTED A CALL BACK FROM MANAGEMENT. 

I DID NOT ACCEPT THE REFINANCE OFFER BECAUSE THEY WANTDE TO MANIPULATE MY PAYMENTS TO HAVE IT APPEAR THAT I WAS 3 MONTHS BEHIND ON MY MONTHLY PAYMENTS WHICH IN THE LONG RUN IS NOT HELPING ME OR MY FAMILY ... .IT WOULD ONLY DAMAGE MY CREDIT AND SINK ME INTO A DEEP PIT OF DEBT.
On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with XXXX XXXX XXXX XXXX. The person that hit my car from behind insurance company ( XXXX  ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with XXXX XXXX, I paid for the GAP insurance through XXXX XXXX as well. After the car was totaled I never saw the vehicle again. XXXX XXXX was Paid by XXXX XXXX, XXXX XXXX had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through XXXX, XXXX and Experian and they arent even contacting XXXX XXXX XXXX XXXX because I receive updates like two days later saying investigations complete. Please help. I want XXXX XXXX XXXX XXXX   reported on my credit as paid in full because two different insurance companies paid them.
XX/XX/18 between XXXX and XXXX. 
I was throughly displeased and entirely dissatisfied with the treatment I had over the phone. I work as a XXXX XXXX XXXX XXXX, and I would NEVER interrupt a consumer the way that the Chase representatives did to me. They could not provide information about my account, and refused to assist me in any way. They transferred me to hold lines of 15-20 minutes without warning me of the approximate wait times. They gave me a number to call, and I called them back and filed an in-system complaint. This complaint was nearly brushed under the rug and the rep I spoke with said sorry, and continuously spoke over me, and treated me poorly. I advised her that she was professional, but honestly she did not make me feel any better about the situation.
I disputed XXXX 's back on XX/XX/XXXX stating that this is fraudulent information. Equifax created this dispute in their system as confirmation number XXXX. The Consumer Financial case number was XXXX-XXXX, I asked that this information is deleted & blocked from my credit report, which they did. The results of this complaint are as follows Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to Equifax. In your complaint, you indicated there were items appearing on your credit report inaccurately reporting. The Results of Our Reinvestigation :  Account # XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX XXXX XXXX. The Results of the Reinvestigation were mailed to you on XX/XX/XXXX, please allow XX/XX/XXXX/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please visit us at https : //www.ai.equifax.com/CreditInvestigation/home.action, by mail to XXXX XXXX XXXX, XXXX GA XXXX or by calling a Customer Representative at ( XXXX ) XXXX from XXXX XXXX to XXXX XXXX Monday Friday in your time zone. 
DESCRIPTION OF NON-MONETARY RELIEF The disputed address has been deleted. XXXX XXXX XXXX XXXX MS XXXX. Account # XXXX The results are : This item has been deleted from the credit file. Account # XXXX The results are : This item has been deleted from the credit file. Account # XXXX The results are : This item has been deleted from the credit file. Account # XXXX The results are : This item has been deleted from the credit file. Now on XX/XX/XXXX, this account has been added back to my credit report.
USAA Savings Bank, without prior notice, sent a letter reducing my {$20000.00} credit card to a {$500.00} limit. My last known XXXX score was XXXX. I have a significant net worth. This action was without warning and received the day I was leaving town for an extended trip. I do not believe I ever had a {$500.00} credit card during my 42 year career as a XXXX. What does the average person do???
What can I do about continued and unending harassment by Bank of America. I am told I am 4 months behind in my mortgage payments due to an issue with unnecessary forced place insurance even though a policy was in effect. Each time you call you speak o a new person and they wo n't meet with me. I have sent them copies of all payments and I am still told I am 4 months behind. Latest call was today. Is there a human I can talk to. I have been harassed for 2 years and have suffered XXXX problems. I wrote to he CEO with no response. What can I do???
in XX/XX/XXXX I opened a Capital One card in XX/XX/XXXX the card was compromised and I reported it to Capital one. They kept giving me the run around and sending me from one person to another. I spoke to Capital One and they was suppose to fix the fraud. Not only did I not get the money I put in the card. But they put all the money on me and said I got ta pay it.
I have disputed it over 10 times with the credit companies and no resolution. I call Capital One and they just place me one hold even the supervisors. This has been a nightmare for me, I do n't know where else to turn.
select port polio, our mortgage co or what ever they are now ( use to be XXXX ) kept going up on our payments to we could not make them any more. tried the XXXX, program. sent in forms to them over 6 times, each time they said they still needed this and that, the last several we just copyed and sent back, and after receiving the same application said they had what they needed. couple of weeks later we were turned down. was sent papers by local sheriff ; s dept, to be out by a certain date. later they offered us the cash for keys option which we had to take. because we had no other place to go. now were living in a small camper. I am XXXX, my wife is XXXX, and we have a adopted son that is XXXX. myself and wife are also XXXX and only draw a small amount each month.i know it 's useless to complain, but this company is going back to doing the same thing when they were XXXX capital. after being put out of our home for over 20yrs. I just they could have worked out something with me so I could keep my family in a home and not a camper. thank you.
My ex husband XXXX XXXX and his current girlfriend XXXX XXXX keeps using my credit and I ca n't even access my report because I do n't know what creditors and mortgage companies they are using.
I m the victim of an on-line work at home scam, the work was to be a purchasing agent, the scam involved paying off my credit card balances so that I could then make purchases to be shipped, the scammer used an account from XXXX XXXX XXXX to pay off the balances of XXXX XXXX XXXX XXXX and XXXX card from XXXX XXXX, when I called the banks to seek fraud protection, they conducted an investigation and stated that because I made the purchases it was not fraud, when I further tried to explain that when the payments were returned back to XXXX XXXX that the XXXX XXXX account was fraudulently obtained and funded that credit cards by money transfer from a XXXX XXXX account, XXXX XXXX advised there was nothing they could do and refused to help.I have the account number and routing number that was given to me by the scammer and I have all the email documentation, a police report and a letter from the state attorney General, the banks say they conducted an investigation but did not want any of my documents to assist them on my behalf, XXXX XXXX wont discuss the matter with me stating they do not give out third party information and since I am not a customer with an account, they can not help me.
We requested a payoff from OCWEN LOAN SERVICING LLC back in early XXXX, to payoff our mortgage, due to hearing from there collection department our mortgage is delinquent even with a payment received for XXXX. 
OCWEN informed us they do n't accept payoff request by phone, only mail or email. I explained to them we receiced a collection call for our XXXX 's payment and do n't know why because we made a payment and you cashed our check. That 's when I learned our mortgage needed to be paid in full come XXXX. 
We never received the payoff letter from them and again emailed them in late XXXX. They returned our cashed mortage payments to us for XXXX and XXXX and we still did n't receive any payoff information. 
They failed to even let us know this mortgage had to be paid in full in XXXX. We had no knowledge until last minute! We finally received a payoff figure and paid the loan in XXXX. Ocwen did send us a letter stating they would not reflect it as a late paymnent but then reported our mortgage delinquent for 251 days on our credit report. 
Our credit scores dropped to below XXXX creating an issue to obtain new employment. We, for 10 years, had always continued to pay our mortgage until the payoff was made in XXXX. We were never late and explained to them that they have cashed our payments up to the closing of XXXX. I also informed them we should have receiced at least 90 days notice prior to XXXX to inform us that this mortage had to be paid. They sent us below, the letter to me, that were n't reporting it late. But today its reflects late on all XXXX credit reports. They did send a letter stating it would n't be reported late because it was there failure to let us know and no delinquents would be reported. They have n't made any corrections. Today, we ca n't pass background checks for employment because of there errors.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Conns, a rent to own company in XXXX XXXX Texas, has been trying to collect a debt by a XXXX XXXX. They have called my home phone for over two years. I 've explained to them on 3 different occasions there is no XXXX XXXX at this number and has never been one. They have the wrong number and continue to call asking for payment. I have placed over 100 call numbers on phone block, yet they continue to find new numbers that I must block again. I want these robo calls stopped. I will pursue legal action very soon for the harassment. I would like to know what my options are and how to punish this company. Here are the latest phone numbers from Conns : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I initiated a transfer of {$270.00} worth of Bitcoin on XX/XX/XXXX that was supposed to post to my bank account on XX/XX/XXXX. The Bitcoin was immediately deducted from my account. After waiting a few additional days for the money to be deposited, I submitted a support ticket with Coinbase on XX/XX/XXXX to no response. I reached out to them on XXXX on XX/XX/XXXX and also received no response.
I am a 16 year XXXX XXXX Veteran. I completed my XXXX XXXX while serving XXXX XXXX. I had XXXX subsidized and unsubsidized Stafford loans consolidated. South Carolina XXXX XXXX XXXX XXXX duplicated my loan amounts when I consolidated. My balance is double what I should owe. 

Deployments, moves, and life has happened over the years. I sent in a audit letter in XXXX, contacted them XXXX XXXXXXXX. I provided them with copies of my military orders ( XXXX Act, loan rate should have been decreased ). I placed the loan in forbearance, allowing them time to fix the issue. In XXXX I was notified that my account was given to the current holder XXXX, XXXX. XXXX XXXX. XXXX XXXX XXXX, NE XXXX Account .... 
Phone calls and letters to the Loan provider has not resolved this issue. Looking to gain your assistance to get my loan balance corrected, and lower interest back dated.
On XX/XX/2016, XXXX XXXX, XXXX, MI performed XXXX ordered by XXXX XXXX, XXXX. {$380.00} bill submitted at end of visit and paid in full w/ XXXX. XXXX sent additional bill dated XX/XX/2016 for {$88.00} for XXXX XXXX XXXX XXXX. XX/XX/2016 letter mailed to XXXX disputing bill and telephone call to XXXX. XXXX XXXX did not order this test & stated same in XX/XX/XXXX letter. XXXX letter dated XX/XX/2016 denying XXXX order mailed to XXXX on XX/XX/2016. On XX/XX/2016 complaints submitted to XXXX Attorney General, XXXX Attorney General and XXXX Attorney General. Communications from these agencies stated XXXX did not respond to inquiry. {$88.00} turned over to collection agency, American Medical Collection Agency. I sent several letters and made two telephone calls giving facts regarding fraudulent bill for lab work which was not ordered. XXXX has ignored all communications between customer and State Attorney Generals.
the card that I have gives a {$250.00} air travel credit each year : {$250.00} XXXX XXXX XXXX XXXX made by the Primary cardmember and Authorized Users on the Card Account are eligible for this statement credit. Please allow 1-2 billing cycles after the qualifying incidental air travel fee is charged to your Card Account for statement credit ( s ) to be posted to the account. This statement credit is an annual benefit available for purchases appearing on your billing statements from XXXX through the following XXXX. Pending transactions that do not post in your XXXX billing cycle will count towards the next year 's XXXX XXXX XXXX. 

although i have made purchases in XXXX when I get my card, I was told when I inquire why on my statement it shows that my credit for the 2016 year is {$0.00}, I was told that was my XXXX billing statement and therefore ineligible. As if i person can have a billing cycle start XXXX XXXX, it is deceptive to not tell customer when they apply for the card. It is confusing that XXXX billing cycle can have virtually no dates in XXXX. I would not got this particular card otherwise if I have knew
On XX/XX/2018, I followed directions on Experian to obtain my free credit report to which I am entitled to under the The Fair Credit Reporting Act. However, the only way to obtain the " free '' report is to register for an account, which automatically enrolled me in an Experian CreditWorks account. If this account is not canceled within 7 days, a monthly charge is initiated. After I read my credit report, I searched on line for a means to cancel the account. The only method offered is by phone. The phone number takes you through a phone tree, which eventually directs you to access your account on line. This is not compliant with providing a free report. I am still trying to cancel my account.
Hello, Please see the attached document for your review. I am filing a complaint regarding merchant, XXXX XXXX in the amount of {$990.00} charged to my XXXX on XXXX XXXX, 2014, under services not rendered as described. 

Thank you, XXXX XXXX
Medical Business Bureau ( MBB '' ), alleges that I owe {$360.00} for medical services rendered on XX/XX/XXXX. I processed a dispute with the XXXX credit bureau 's ( also submitted proof of having charity care through the state of NJ ) I contacted the doctors office and left several messages but no response was rendered. I have requested a verification of debt from MBB via certified mail delivered on XXXX and XX/XX/XXXX, but they have not produced one. I expressed all my concerns to MBB representatives, but they do not have answers. MBB is, however, reporting negative information on my credit reports, which affects my credit score and future planning. MBB is also not following the requirements of the FDCPA. I never received notice of the debt as required by 15 USC 1692g.. MBB has failed to produce anything in response. I am requesting that MBB cease all collection efforts and remove any negative information from my credit reports. I would like confirmation that this information has been removed.
Citibank has been incorrectly reporting a charge-off on my credit report to credit bureaus, which I have been disputing for the past 6 years to no avail. They report that the credit limit was {$14000.00} but the charge-off amount was {$18000.00}. On XX/XX/XXXX, Citibank sent an IRS XXXX Cancellation of Debt, which contradicts their false reporting : 1. On the XXXX, Citibank shows a balance of {$14000.00}, which contradicts the {$18000.00} they report. 
2. On the XXXX, Citibank falsely claims the " date of identifiable event '' is XX/XX/XXXX. 
3. On the Credit Report, Citibank falsely claims the " date of major delinquency reported '' is XX/XX/XXXX. 
4. On the Credit Report, Citibank falsely claims the account was 60,90,120 days in XXXX. 

The scheduled payment amount, balance, amount past due, charge off amount, date of first major delinquency, history are all false. Further, Citibank refuses to report months when account was paid on time. Citibank refuses to report accurately in an attempt to re-age account.
EXACTLY, how did these lazy derelicts at transunionXXXX and XXXX, verify anything?! # Transunion made a inapt frivolous attempt. WHERE IS MY COPY OF THIS ARTIFICE USED BY THESE PHONY LYING THIEVES AT XXXX?! # Incredible stupidity, lying their XXXX off, amazing how I can NOT find any phony bill that says I owe {$320.00}. These incompetent derelicts lied and/or claimed they made their own whimsical inapt investigation?! # OF WHAT?! # How did you investigate positive fraud __artifice___ ( malice ) and deceit?! # XXXX 's decrepit reputation for being ( worst ) lying thieves from the other XXXX phone providers. PLUS, these corporate XXXXbirds have a current FALSE ADVERTISEMENT ON-GOING NATIONAL TELEVISION!!!!!!!!