WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX XXXX believes that I should have been notice from XXXX XXXX XXXX XXXX that there was a balance to my account. I simply have no idea how this balance could be so large. However, XXXX is a public utility, and they are governed by a state public utility commission, not by federal Fair Credit Reporting law. Accordingly, I request a full accounting of the XXXX debt, in addition to a signed agreement or assignment from XXXX to XXXX XXXX XXXX XXXX XXXX If there was never a true assignment, then the collection has to start from scratch, and I must be given notice that XXXX intends to turn the matter over to a collection agency. This item should go through the proper legal procedure before its placed back on any of my credit reports. I request XXXX and Experian to mandate from this subscriber to follow the proper collection procedure as stated in FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

THIS ITEM NEEDS TO BE DELETED AND GO THROUGH PROPER PROCEDURES AS MANDATED THROUGH THE SUBSCRIBER AGREEMENT XXXX HAS WITH EACH CREDIT REPORTING AGENCY!
As I pulled my credit reports I noticed a line item from NCC Business Scv for {$13.00}, XXXX as of XXXX/XXXX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was an apartment complex that my daughter and I jointly signed a lease to rent an apartment from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. We ended the lease sooner then the signed lease agreement which we gave notice on XXXX/XXXX/XXXX to move out on XXXX/XXXX/XXXX. The lease break clause in our lease agreement states that we are responsible for {$3000.00} lease break fee and the last 30 days of the Resident 's occupancy of the premises. ( see attached lease ) They are charging us the cost of not renting the apt from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. They also are charging us for the Decon of the slab under the carpet of {$140.00}. ( the entire complex is infested with HUGE cockroaches ) I mentioned this in my letter to vacate. My daughter called the XXXX XXXX on XXXX/XXXX/XXXX at XXXX PT, which owns XXXX XXXX and they told her the XXXX XXXX was rented out in XXXX and the employee would email a new statement removing everything but the XXXX rent charges from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, by Wednesday, XXXX/XXXX/XXXX. My daughter called back on XXXX/XXXX/XXXX and got a different employee and they said your account is with a collection agency and you need to call them. I called the collection agency and they told me that I needed to email them my dispute and attach any relevant documentation along with giving them permission to correspond via email. I sent NCC Business Scv an email ( see attachment ) on XXXX/XXXX/XXXX at XXXX PT with the reason for dispute of the charges of any rent past XXXX XXXX and the decon charges along with all of the attachments, ( final account statement ( which I never rcv 'd until I requested from them ) and the signed lease agreement. Total disputing is {$12000.00} ( rent ) plus {$140.00} ( decon ) leaving the total due of {$3200.00} plus # XXXX lease break fee minus my deposit of {$2000.00} equals {$4100.00} due. 
I called the NCC business scv today, XXXX/XXXX/XXXX at XXXX PT and spoke to a gentleman that I could not understand his name. He told me that it would be 10 business days before anyone could confirm receipt of my email and another 30 days to reach out the the apartment complex. I asked if he could send me those timelines in an email and he refused. I would like to pay what is fairly due according to my lease agreement of {$4100.00} and would like this removed for all XXXX credit reporting agencies for both myself and my daughter.. Please let me know if you need any additional information. The collection agency 's contact info is NCC Business Services XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XXXXXXXXXXXX. The debt was reported by XXXX XXXX XXXX owned by the XXXX XXXX at XXXX. 

Thank you for your consideration.
On XX/XX/XXXX my Paypal Prepaid card stop being able to transfer funds from my paypal to my prepaid card, it just says it is unable to complete the transaction, And today XX/XX/XXXX it is still in that same mode and getting the same error.
I was lied to summer 2018 by XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, about them refinancing a loan to make the interest cheaper and it only made the loan payment higher and interest higher. This was misleading information from the start. On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX placed a new inquiry on my credit report and I did not apply for a loan or give them permission to run my credit. I know this is against the law. 

Prior to XX/XX/2018, I contacted XXXX XXXX and they contacted my references inferring to them with letting them know I owed a loan. I contacted them about the loan and advised them to only contact me and they still made calls to references. I sent them a certified cease and decist letter to everyone but me. I advised them in writing of how I was going to pay them monthly. 

I requested to have added features taken off the loan which was supposed to be removed to bring down the monthly payment to make the loan affordable and they did not remove the fees. I sent them a letter in writing and been sending them at least {$150.00} a month for the loan. They sent a letter as if they were going to take off late fees if I paid monthly and they have not been trying to help with lowering the payments even after they said they were going to help.
I had filed a claim on my account back in XXXX because the XXXX had overcharged me when I submitted the claim to the bank it ended up being denied so according to the letter the bank chase wrote that they were responding to the complaint from the XXXX which they received XXXX XXXX 2016 it says that we adjusted your claim and provided XXXX credits because I initially had received a claim credit for XXXX on XXXX XXXX and since the merchant credit the account we adjusted the amount and provided a credit of XXXX on XXXX XXXX they had advised me that on XXXX XXXX they would reverse the credit of XXXX which they had removed and ended up overdrafting my account of XXXX so they made the adjustment from the XXXX claim for XXXX that merchant said they would adjust and then took out the XXXX from the adjustment they made I filed XXXX claim not XXXX upon receipt of speaking with the executive office at Chase the XXXX time all this was explained to me and I said okay I understand what you are saying so then I had a direct deposit that had come in on XXXX XXXX for XXXX and then XXXX which left my account at XXXX so when my account was hit with the direct deposit of XXXX on XXXX it should had put my account up to a positive balance and not a negative one then the claims reps that I spoke to on Thursday night XXXX XXXX and Friday XXXX XXXX said we understand it was done in ERROR you are right should NOT have been re taken out on account they also then advised me I did n't file the XXXX claim the bank did so how do you take another XXXX which you already removed
about 2 months ago, I filed a dispute with all XXXX credit reporting agencies concerning old reports that needed to be removed from my report. XXXX item concerned a bank loan which I was behind on, which was reported on XXXX/XXXX/XXXX. this is well over 7 years ago, and was paid in full in XXXX. Equifax and XXXX removed the item. XXXX DID NOT.. also all XXXX agencies were reporting XXXX delinquent child support accounts that were reported on XXXX/XXXX/XXXX. I filed a dispute with all XXXX agencies about the child support report being 14 years old and told them that according to the XXXX fair credit reporting act ), that they could only report this : XXXX quote ), for 7 years after the date of the last scheduled payment before the account became delinquent. ( unquote ). XXXX and XXXX removed these 14 year old reports. Equifax DID NOT REMOVE.
My student loan which was with XXXX was originally consolidated to lock in at 3.1 % rate, now that navient took the loan over, they are stating that my loans are in fact not consolidated even though I have a letter from XXXX stating this. They also recommend that I can now consolidated my loans with navient in order to let wee my payments but higher rate than what I had locked in originally. Case manager ca n't seem to explain to me how my loan became unconsolidated during the navient take over. How can my loans became unconsolidated?? I feel it 's unfair that I have to consolidate my loans again at higher interest rate to avail lower loan payments.
In XXXX XXXX, I enrolled in XXXX Debt Relief. In XXXX XXXX, XXXX followed their policy and charged off my account in XXXX XXXX. In XX/XX/XXXX XXXX, I received XXXX XXXX from XXXX canceling the debt owed for each card to include as income on my XXXX Tax Return. During XXXX XXXX, I reviewed my credit reports and determined all three credit bureaus were still carrying the amount owed on these accounts as balances. Based upon the Identifiable Event Code ( Box XXXX ) listed on the XXXX, XXXX has marked a code of " XXXX '' Instructions for filling out a XXXX states the following XXXX Decision or policy to discontinue collection. XXXX XXXX is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For purposes of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice. I have attempted to dispute these items but XXXX says I still owe the monies for these cards. Based upon the Identifiable Event Code, XXXX has followed their policy and canceled the debt. A cancelation of the debt per the IRS is the debt is no longer valid. When discussing the results of my case dispute, I was told the credit bureau utilized the response of the creditor without question, no matter what my argument was.
This is the third complaint I have filed against Navient. I have found documentation concerning my loan consolidation in XXXX. I am being denied XXXX forgiveness and XXXX Loan forgiveness due to Education services Act of XXXX. On XXXX/XXXX/XXXX I went to XXXX XXXX XXXX XXXX at XXXX ( XXXX XXXX ) XXXX  XXXX XXXX XXXX and was educated on different information placed in my student file. 
There was a hardship clause placed in my student file. I filed bankruptcy in XXXX XXXX. 
According to XXXX XXXX who purchased/repurchased my loans in XXXX/XXXX/XXXX there was no debts charged off. The young lady @ XXXX XXXX Student Loan 's office stated some of my loans were XXXX. I had forgotten but XXXX/XXXX/XXXX I found a note where I had spoken to customer service XXXX stated that XXXX XXXX XXXX XXXX XXXX had paid my student loan number 1 and 2 in the amount of {$25.00} dollars in XXXX XXXX. My balance due was {$24000.00}. Please help me understand that today XXXX my student loan balance is over XXXX dollars.
XXXX XXXX XXXX.is maliciously reporting to all XXXX credit bureaus : XXXX, XXXX, and Transunion.Incorrectly wth regards to my status on account XXXX have 2 accounts with XXXX XXXX XXXX.One of which was closed due to refinancing.That is account XXXX.I 'm  disputing there error of not acknowledging my last three payments in XXXX XXXX, and XXXX XXXX.Made on account XXXX PRIOR to XXXX XXXX XXXX.closing my account due to refinancing.XXXX XXXX XXXX in response submitted an XXXX credit report.Noting there was no error and there report was accurate.It was submitted on XXXX XXXX.I went on XXXX credit reporting site as well.Submitted as proof that XXXX XXXX XXXX.needs to change the status on account XXXX as current/closed refinanced.On my new account XXXX I was instructed to make a payment of {$100.00} towards my previous account XXXX prior to making my first new payment arrangement of {$130.00} on my new account XXXX.I made the payment on my new account XXXX before it was due on XXXX XXXX.That was my contractual obligation.To XXXX XXXX XXXX.in order to have my previous account XXXX refinanced.I made three payments on account XXXX.Prior to my new XXXX account being opened.I have bank statements documenting payments made twice to XXXX XXXX in XXXX XXXX, and a {$100.00} payment made to XXXX XXXX XXXX in XXXX XXXX.Both payments were made on account XXXX.I 'm asking that XXXX XXXX be held liable for accepting payment in the months of XXXX, and XXXX XXXX.FCRA states that a consumers account status should reflect the most recent activity.Lastly, on my XXXX credit report.XXXX XXXX XXXX.is reporting my closed account XXXX as open, and delinquent.That status is inaccurate.
I keep getting phone calls from a debt collector looking for my ex-wife. Her name is not associated with my cell phone number and they should not be calling me about her debts. I blocked the phone number the debt collector called from and now they call me using an unknown number so the phone call will still go through, leaving harassing messages.
This account was placed on my credit report without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute.
I received a letter from Phillips Cohen and Associates Ltd. on XX/XX/XXXX. The letter was dated XX/XX/XXXX. On XX/XX/XXXX I was shopping at XXXX XXXX and learned my account was frozen due to probate estate issues alleged by the aforementioned debt collector. I called the company but they were closed for the weekend. On Monday XX/XX/XXXX I called the company and was informed the collector was under the impression I was deceased. The person I talked to was a manager named XXXX, while talking to him I informed him I was not deceased. XXXX never informed me why or how his company reached this decision. He did say he would contact XXXX credit department and resolve the issue. He then gave me a number to call. The number was for XXXX XXXX probate department. I received more information from the representative from XXXXXXXXXXXX than I did from XXXX at PCA Ltd. The representative informed me my name got mixed up with my father who is a XXXX and I 'm a XXXX. I did not use the XXXX in my name, so thus the confusion. My complaint is freezing accounts without prior notice and not fully investigating who I was would have shown this was a non issue. I ca n't figure out why social security numbers were n't used to solve the issue before freezing accounts. This company has many complaints at the FDCPA. I was humiliated and embarrassed when my card was denied. I had available credit but account was frozen. PCA Ltd. seems to think this is normal business practice. I feel it must be business as normal if they 're never made to account for their actions. It is my hope no other consumers experience this humiliation.
I 've spent the last 6-8 months setting up payments with this company. 
they either lock me out of my account for two hours at a time. and i have to change my password every time. i have to call and manually make my payment. i was given the wrong information to post a payment and make my account current. this card charges me XXXX a month just to use it. i have gone late on one payment and i ca n't even log in to make it. my credit score just dropped 49 points because of this. its becoming a nightmare and i feel this a scam of a credit card.
I have achieved 80 % LTV on my primary residence base don the valuation at the time I purchased/financed it in 2010. My mortgage servicer, Wells Fargo, notified me as required by law, that I have options for dropping my PMI insurance. It is my desire to have my property re-appraised to demonstrate it has appreciated in value so I can immediately drop PMI. 

Unfortunately, despite having followed the directions provided in the letter to contact and schedule the appraisal with the " Wells Fargo PMI department. '' Despite numerous attempts, I have not been able to reach the PMI I have called Wells several times and each time they either claim that the PMI department is unavailable. On my last call about 2 weeks ago, they finally said they would notify the PMI department of my intentions and someone would call me back. 

I have not heard back from them. At this point I assume they are incompetent, indifferent or crooks trying to minimize their risk at my expense.
I applied online for a Chase XXXX XXXX credit card, at the time I was purchasing a plane ticket on Southwest Airlines. The offer was XXXX bonus miles if I charged {$1000.00} on the credit card within the first 3 months of account opening. I charged {$1000.00} on the credit card in the first 3 months and they only credited XXXX points. I called Chase Bank and they refused to honor the XXXX bonus points.
CRA VIOLATION NO KNOWLEDGE INACCURATE WITH XXXX ACCOUNT # XXXX AND XXXX/XXXX XXXX XXXX XXXX   ACCOUNT # XXXX APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
XXXX is trying to recollect a debt that has already been paid. XXXX has been notified the debt has been paid in full but continues to try to collect and report it on my credit report. The debt was paid to ERC and removed from my credit report XXXX XXXX 2015.
XX/XX/2018at XXXX XXXX XXXX XXXX from number XXXX XX/XX/2018 at 2018 at XXXX XXXX from number XXXX These calls come in and I tell them to stop calling, they keep talking with this is debt and they give the address and debt amount as always. I tell them do not call me but send whatever they choose and Im preparing for bankruptcy. I always repeat the same thing but they never listen and keep calling as they have called me several times before but don't have all dates. I sent the company a letter regarding the matter but no answer as too why they are calling me and that they wont be calling me any further. Action is needed as I do deserve my request honored, Ty. 

Thank you
I get about 10 calls a day from a company telling me I need to quickly use them to forgive my student debt before time runs out. Once I start asking questions about how to prove they are not a scam, or if I can find them online, they immediately hang up. Day after day, these calls come in, even though my number is on the Do Not Call list. These are the phone numbers : XXXX XXXX XXXX
This company keeps re-aging these two accounts on my credit report and every time they keep re-aging these charged off accounts it drops my score. They are doing it on purpose to drop it which is causing me harm and emotional stress and is against the Fair Credit Report Act. Here is the company below along with orginal creditor info and the two accounts. PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX org creditor XXXX XXXX {$1100.00} PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX org creditor XXXX XXXX XXXX XXXX  {$1000.00}
I have tried numerous times to have the correct information regarding a government overpayment on my account made accurate. Instead of doing that, transunion updates it incorrectly repeatedly and absolutely destroys my credit score in the process. Months later my score is still 50 points lower and they all but ignore my disputes or just update incorrectly. It 's infuriating and I need help.
Since XX/XX/XXXX, my investment in Coinbase ( Bitcoin ) is stuck in their " vault '' because my secondary email address is no longer available to transfer money out of the vault. The secondary email address was deleted due to non-pmt and can not be restored. I contacted Coibase initiallyXX/XX/XXXX, and they sent me a canned email saying they have to transfer the money out of the vault themselves and will contact me later. I contacted them again each month since ( 4 times in total ) and recieved the same canned emailed. Meanwhile I have lost about $ 12k because I could not sell the investment in XX/XX/XXXX. Every month I keep losing money because I can not access my investment that is stuck in the vault.
My student loans are reporting as late but were never late due to a retro active forbearance.
Problem is that, I 'm trying to get a loan with my bank. But cause there was a bad comment, though the account is close, with AFNI. ( a debt collector fo r  XXXX   XXXX  ) I 've been declined. I try calling  XXXX  to resloved, they claim my account is no longer in the system. I try with AFNI but they cut me o ff n sa y they done everything in their book to clear it, despite that I was willing to help Fix 's this matter. I even try to dispute. But  AFNI w as able to alter my dispute on removing the comment place in my credit report. I want the whole account deleted and removed
I originally obtained a loan through XXXX for a XXXX on my home. I went into collections and my loan was given to the law office of XXXX XX/XX/XXXX. I have been making payments to Farrell & Seldin for years and within the last few years, they changed to Fenton & McGarvey. XXXX was bought out by XXXX and I have been communicating with them but it is short as they tell me the law firm handles everything. My husbands name and mine are on the original loan with XXXX and XXXX however, only my name is on the loan with XXXX/XXXX XXXX XXXX. Every month we make a payment we ask for a breakdown of all that has been paid and all that has been charged along with details ... we still have not received this and the law office keeps telling me that my husband is not on the loan ... it is a second on our home, he has to be. On XX/XX/XXXX I had a detailed half an hour conversation with XXXX at the law office and I stated that it is my right to receive a complete breakdown of my payments and charges. I requested this again on XX/XX/XXXX ( when I made my payment ) and I still have not received what I have asked for. Each month, I get a verbal amount that is different than my calculations ( and I verified with XXXX that my payments are all going to principal ). XX/XX/XXXX, my husband was able to get a verbal figure from XXXX ( at the law office ) and at that time it was {$2800.00}. I make a XXXX dollar payment every month and have for years and as of my last payment, I still owed just under XXXX dollars ( XXXX ). I do not want to give them any more money until I have the complete history from them on my account.
I am currently under chapter XXXX Bankruptcy proceedings, which was filed on last XX/XX/XXXX. I  had included a debt from XXXX XXXX XXXX TV programming in the amount of {$350.00} and had the Bankruptcy court notify them and their collections agencies at the time via The Court proper channels. But out of the blue on XX/XX/XXXX I received an email to my private personal email account without my authorization from Stellar Recovery, INC. demanding payment for such account. After immediately contacting them and explaining that they were trying to collect on an account that was already included in chapter XXXX US Bankruptcy court and had no business collecting on, I was assured in writing by one of their employees that " they will remove '' all of the negative information from the credit bureaus. Today is the XX/XX/XXXX, a month later and nothing has been updated with the credit bureaus as of just yet. What is more infuriating is the fact that this collection agency, went as far as reporting this to the credit bureaus as a new account altogether on XX/XX/XXXX in total violation of the US Bankruptcy Court, and this was without waiting from a response from me personally, which by law it should had been 30 days after receiving notification from them.
US Bank has had the funds for the next due mortgage payment since XX/XX/XXXX.  They have once again applied the funds as a principal only pre-payment without the written notification as required by section 4 of the mortgage note. 

I requested that they reverse the funds and apply them as a mortgage payment on XX/XX/XXXX. They did not respond or correct the payments.

I requested that they reverse and apply the payment correctly a second time on XX/XX/XXXX. They still have not responded or corrected the payments. 

They are have been very clear that they do not believe that they are required to follow the terms of the mortgage note and can apply the funds how ever they feel. To the point of not covering the mortgage payments when they have funds to do so.
company is attempting debt that does not belong to me which is causing a tremendous decrease in my credit score. I value my credit and have put blood, sweat and tears and achieving the positive score that I have. The agency is collecting for XXXX XXXX XXXX whom i currently have auto insure with.