WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/XXXX. I put a payment thru to a private party that I found on " XXXX '' for a private camper Rental. Per the owner request ( or so I thought ) they informed me that they had trouble or it took too long for them  to get their money from XXXX. 
" okay good, you can pay through paypal.this the paypal ; XXXX '' After I sent the Payment thru PayPal as I found PayPal to be Secure, I wanted to double check something on the Camper the camper was removed from the site. 
I emailed the so called owner and their response was " Yes all the rv listed on site are all gone for reservation and the one you booked for. '' This threw a red flag to me and I called PayPal to cancel the transaction. They let the transaction go thru. 
Now I have to do a dispute with the Credit Card Company. I am the person in charge of that PayPal account that is MY money not theirs. When I say STOP a payment they need to do as I said. I can not believe they let this go thru. 

XXXX was the complaint number. I'm very displeased that I could not stop a fraudulent payment. the email that is included with this whole mess that said they were the camper etc ... is XXXX XXXX
Account was paid and closed, but continues to appear as a negative on all XXXX major reporting agencies. Even after all items were disputed, all items still remain which continues to damage my reports.
XX/XX/XXXX Sent a letter to company regarding a debt alleged that I owe, I have resided in the same house for 20 years. I had no knowledge of alleged debt I have not received a call or a written statement to contest or dispute the alleged debt. Upon applying for a mortgage I am advised that I owe XXXX XXXX XXXX or XXXX XXXX XXXX  XXXX. I have no knowledge of this this information is incorrect and should not be on my credit report until validations have been made. XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, FL have not attempted to reach out to me and this debt is alleged to have happened in XX/XX/XXXX. This is unacceptable. Validations need to occur prior to placing false information on one 's credit report. This is smudge on my report and delaying the closing on my home XX/XX/XXXX.
I moved into a house from XX/XX/XXXX and moved out of the house XX/XX/XXXX. My land lady forward the washington gas bill with an established account servicing the house. I paid off XXXX XX/XX/XXXX and inform them i no longer reside at the residence since XXXX. i move on with my life. XX/XX/XXXX. XXXX XXXX sent my information to collection agency in the amount of over {$300.00} with a new established account number trying to make me to pay them for service i dont know anything about. 

I called XXXX XXXX and they said the reading meter for that high bill started XX/XX/XXXX and someone actually paid {$400.00} in to that account but still owe them. Clearly XXXX have information of a check name or creditor name that paid and owe them but i dont know why they are harassing me and they also told me they cant remove my name from the account because the landlord never assumed responsibility for the account when i left in XX/XX/XXXX. This is not true because the accounts numbers from when i lived there to this ridiculous charges are XXXX different account numbers. This is a fraud against consumer. A manipulation to make someone else pay for bills of another. 

i emailed the land lady to call washington gas more than once and she never returned my emails. 

In the nutshellmy duration at the serviced house was 2 months XX/XX/XXXX- XX/XX/XXXXi paid them XX/XX/XXXXsent them all the documentation of moveout and payment XX/XX/XXXX after harrasement phone calls. 

they sent collection agency to me XX/XX/XXXX with new establishedXXXX XXXX account number with my name listed on it. My previous account number was different.
The HAMP Loan Modification I applied for in XX/XX/XXXXis yet to be resolved by Nationstar Mortgage before they changed their name to Mr. Cooper. I disputed their claims the last time they tried to foreclose on my house. My dispute then was that Nationstar Mortgage can not stop my HAMP Loan Modification I applied for in XX/XX/XXXX just because according to them the HAMP Modification Program expired in XX/XX/XXXX. If those who applied for the program before XX/XX/XXXX and in XX/XX/XXXX before the program expired in XX/XX/XXXX are still in the program, I am still in the program as well since I applied for the HAMP Loan Modification in XX/XX/XXXX, which is yet to be resolved. Nationstar Mortgage can not unilaterally resolve my HAMP Loan Modification which I applied for in XX/XX/XXXX ; it has to be resolved bilaterally.
I was surprised today,XX/XX/XXXX when I received a sale notice from the XXXX XXXX XXXX that my house will be sold at public auction at the entrance of the XXXX County Circuit Court on XX/XX/XXXX. The letter said and I quote Enclosed please find a copy of advertisement of sale as published in XXXX XXXX XXXX -- --. But I could not find a copy of the advertisement for the sale of my house in the letter as claimed by the XXXX XXXX XXXX. Also, I have checked XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXXand I could not find any advertisement of the sale to my house.
Hello, Inadvertently this complaint  (   XXXX  ) was closed. Nissan sent a reply but that reply is inaccurrate & they lied in that letter.     They have made this look like I was at fault. Consumer protection is in place for harrassing calls which I received over  XXXX  per day for over 14 days. A Nissan representative even told me I was placed on autotomatic dialer which I never game permission for this. My statement to be placed on the do not call list was way after their harrassing attemps.     My loan was    XXXX   XXXX   XXXX    but in   XXXX   XXXX   I requested a payment date change to the  XXXX  each month. I have paid my loan consistently with also receiving   XXXX   extensions but paid my loan each time NEVER LATE. In   XXXX   XXXX   I split my payment & STILL PAID within 30 days ... never late.     I clearly explained I would be paying my loan for the next couple of months past the  XXXX  but never later than 30 days.     I was told that was  XXXX  & I would receive " A '' call as a reminder. But I received  XXXX  calls plus per day for  XXXX  plus days. THIS IS HARRASSMENT.     Nissan broke the law and consumer protection. I WILL HIRE an ATTORNEY to sue Nissan if they do not apply the  XXXX  per call as settlement.     Thank you.
Rushmore loan management services is not accepting any paymens at all from me, i am only 2 months behind in payments and they have already started forclosure proceedings which they claim a foreclosure letter has been issued. i have been trying to make my monthly mortgage payment to not go more than 2 months past due until i file my taxes to get my refund and to pay current but they refuse to take any payment whatsoever. they state only if i pay the current mortgage ( which isnt due yet til XX/XX/XXXX and the 2 month past due. they are intentionally trying to forelcose by not accepting a mortgage payment to escalade to trustee sale to foreclose. the rep stated there are notes on her account that i have a large amount of equity and to only accept full 3 months payment only, they are rushing to foreclose asap because they know amount of equity i have. this just happended on XX/XX/XXXX when i called to make 1 mortgage payment and they refused. my mortgage got transfered to rushmore loan management back on XX/XX/XXXX and they raised my new mortgage monthly payment from XXXX to XXXX per month with out any notice at all, and now they are refusing to allow me to pay. please some get involved becuase they are threating to foreclose because of my equity i have. im only 2 months past due and theyare not allowing any payment whatsoever unless i pay the current mortgage not due yet and the 2 months past due. please, this is urgent! i will get my payment caught up once i file my tax returns but they still have not sent my mortgage interest 1099! they stated will not be sent until next month when they all go out
I 'm a consumer with a very serious mortgage problem. I 'll try to explain the best I can. I bought my primary residence in California back in XXXX of XXXX through an Interest only, XXXX/XXXX/XXXX Adjustable Rate Mortgage loan granted by the extinct XXXX XXXX XXXX, now acquired by XXXX XXXX XXXX. At that time I was working in XXXX XXXX and could afford that type of loan until the market crashed and I was out of the market and immerse in debts. 
Then I started working for a local Loan Modification Office and with that office I could get an initial modification of my XXXX note. Everything was running smoothly with my mortgage payment until the California Senate Bill 94, XXXX XXXX, XXXX, that force that company I was working for, to close door which left me without income again. I do not have to say, I was behind in my mortgage for several months, for a XXXX time, and looking for jobs for several months, until a got hire as a XXXX in a Mortgage company. 
Soon, XXXX XXXX XXXX transfer services to Specialized Loan Servicing LLC who is the institutions that holds the Note on my primary home. Though, I have not clear who the owner of my Note is : either, XXXX XXXX XXXX or XXXX XXXX. Nevertheless, I have been trying a new Modification with the Servicer I just mentioned FOR TWO YEARS and this Servicer keeps requesting the same docs for months, and telling me my case is in review every time I call and talked to the several Relationship Managers I have had so far, and my debt is growing every month and hard to repay without a plan. In the meantime, I received a NOD at XXXX/XXXX/XXXX, the time is running out and I have come to believe the Servicer is leading me to believe it is " considering '' my request in good faith, when in reality it is marching through the foreclosure process, as you can see, very quickly! Then, I 'll be " turned down '' for that loan modification just before the foreclosure sale. Please, help me to find an answer before it 's too late for me and my family. I have sent a package to SLS AGAIN! Thank you very much!
our mortgage was sold to a different company. we got a letter saying to pay the original company through a certain date and then submit all payments to new company. we paid the original company as requested and have bank statements to prove it. the new company started calling requesting payment and we told them we had paid the original company as directed. we encouraged the XXXX companies to talk to see that the payment had been made. we were told things had been resolved, yet its listed as a late payment on my credit score.
Despite my several disputes, Experian has failed to verify several items on my report. The items still remain on my credit report which is in violation of the Federal law. They have failed to send me copies of the documents that they used to verify accounts for XXXX, XXXX, and XXXX. Supervisor XXXX stated, that is not there responsibility but it is the consumers responsibility, and refuse to remove from my credit report.
Summit receivables continues to contact my employer even asked to stop and when I spoke to them they wo n't verify what debt is about just threatened me that they will contact my employer so that I would be get embarrassed in my employment. I do n't believe I owe them. The company that keeps calling at my work place summit receivables with phone # XXXX her name XXXX.
I have disputed these issues so many times and still no outcome, first I am a man, my last name does n't change Experian has XXXX names on my credit file that are NOT mine which are XXXX XXXX XXXX and XXXX XXXX My name is XXXX XXXX XXXX, there are so many business inquires listed on my personal credit file. When I apply I use my XXXX so they should not be listed on my personal credit file. Experian has never once investigated my complaint. Please help
A few weeks ago I got a call from the XXXX XXXX XXXX XXXX collections. I have no medical debt that I know of. Although my name matches their records, they confirmed that my birthdate did not match their records. We also established that I did not live at a XXXX XXXX, CA address. I was told that the information discussed would be noted, and I expected that I would not be getting more calls. 

This evening I got another call from the same company. I let them know that I thought that I would be removed from their call list since I am not person they are looking for. I gave them my birthdate again and XXXX confirmed that my birthdate did not match their records. But, instead of telling me that this issue was resolved she told me that my phone number was the one that was given, that they do not remove numbers from the call list, and good luck. 

Since this is not my debt, I did not ask for the date or about the amount owed.
I am having financial difficulties and National Credit Adjusters continuously calls my cell and work phone. I have asked that they not call my place of employment because we are n't allowed personal calls and the calls are recorded, but they continue to call.
I submitted a dispute on XXXX/XXXX/XXXX in regards to some inquires on my report that I did not initiate. The same day Equifax sent me a response saying that the inquires were all valid. I had at least 10 Inquires that I disputed and I know that in one day they did not verify them all. I also have never signed anything or gave consent on any of these inquires and there is a fraud alert placed on my account due to someone trying to get credit in my name fraudulently. I am upset because Equifax did not investigate these items and there is no way they verified them all accurately in one day. I feel that they just tried to feed me some XXXX, thinking that i would just accept it. I mean they did not even wait the 30 day period they normally take to investigate. They just sent me my dispute back the same day saying it was verified which i know for a fact is wrong because i have not signed or authorized anything with these companies!
I had paid this debt off on an agreement almost XXXX years ago from this same company. Now since I have applied for a XXXX XXXX card, they have contacted me almost everyday saying that I owe them money. I explained that I had no idea what they were talking about, that I do not owe them anything. They read off my SSN, address, & phone number! It was creepy. I paid all my old debts off when I was going to apply for my mortgage at the time. To top things off, there is nothing on my credit report about this debt either ... .and why? cause its paid off. This was settled all that time ago, why now are they trying to double dip?
I am short selling my house and we have a good offer but nationstar mortgage has an international investor who wants to out house up for auction to see if they get a higher bidder but never addressed the offer they have through the realtor for the short sale. This particular international investor is doing this with many homes. I have been in the short sale process for about 40 days now.
My wife and I listed our home for sale to avoid foreclosure. Our agent secured a buyer but our mortgage company took too long to approve the short sale and our agent lost the buyer. Our agent worked with our mortgage company to postpone the sale date and secured another buyer. Our mortgage company ordered a value check and our agent let them in our home. The value check proved the offer we had was good and we were on the way to our short sale. Weeks went by while waiting for the final approval. Our agent called and was told to get one or two updated or new items. Our agent emailed in the items and was told the value check was old and another value check had to be done. The appraiser called and by this time our agent simply asked if it could be a drive by value instead of an interior as the interior has not changed since the last FOUR interior inspections. The appraiser agree but said he needed to check with our lender. HE NEVER  DID. Our agent followed up with him several times giving him a chance to answer his phone or return her calls. Finally, our agent sent an email to our mortgage company around the XX/XX/XXXX about the appraiser not contacting her back.. With no contact ( our mortgage company does not email, call or anything they only require website contact ) our agent contacted SPS and they said they cancelled our short sale just a few days prior to her call. She asked why and they said the appraiser could not get in! Now we are going to have a foreclosure and a deficient amount and we are a young family looking for help! We live in a two bedroom condo with a boy and a girl and need your help to stop the sale and allow our short sale to go through promptly, so we can get back on our feet. The offer we have we were told was in the range to be accepted and the time frame has been way more than should be allowable. How hard is it to accept an offer which was with in range and valid? We just want to move on with our lives and this has been a nightmare. PLEASE HELP
Equifax Office XXXX XXXX XXXX, GA XXXXFax number XXXX XXXX ( once you reach an agent ask to transfer to office XXXX ) I was nastily informed that the Office XXXX made a " in house decision '' that without my consent they had the right to house my credit file and put an alert on there to freeze my credit report without my permission and not disclose any information to me as to why they did it. I received no notification via mail. I was advised that no creditor of my choosing will view or pull my report unless they call a XXXX number first. I did not authorize this. I received many run around and faxed much documents but no avail. I want my credit file with no Fraud Alerts and no freeze and to be open and Available for viewing at any time not just 24-48 hours then re-locked. I informed them I am not the victim of identity theft after verifying much information. but no avail. I was rudely informed by Equifax Office XXXX that my file is with them " indefinitely " I was advised of many different things by different agents in that department of Equifax which is very inconsistent. As a consumer I am very angry and unsatisfied with how I am treated. I do not want my credit being handled by this department of Equifax. I ask that they follow the LAW guidelines of The Federal trade Commission and not there own.
Money was taken out of my Wells Fargo account fraudulently XXXX and the purchase was made at a XXXX. I reported it to Wells Fargo who supposedly have give their customers XXXX liability against fraud. I called it in and was told I have to wait XXXX before I could even get a temporary credit back while they investigate when other banks automatically put the money back. I agreed knowing i never used the card as I was at work at the time the card was used. 10 days later they sent me an email denying my claim saying because i had my card there was nothing they could do about it. I read online and MANYYY customers have the same problem with them. I did not make that purchase and I need for wells fargo to honor their promise of protecting their clients against fraud. I have never had this issue with XXXX XXXX XXXX!
I received an alert from XXXX XXXX onXXXX-18 stating my score dropped 24 points due to one of my college loans from Navient. On XXXX, it showed a balance of $ 15,000+ but on XX/XX/XXXX, it showed a balance of more than {$17000.00}. I contact Navient by phone and the rep refused to talk to me and told me that XXXX XXXX reports are not accurate. I was told she could not talk to me about my account and that it was my responsibility to contact XXXX  the reporting company.
I am being sued by Machols and Johannes debt collectors for a debt which occurred 25 years ago in another state and can not be verified by the debt collectors. I have made numerous attempts to see if this is truly my debt, but I could not find any evidence of it. I have not received a notification from Machols and Johannes to appear in court in a timely manner so I could defend myself. They are taking 25 % of my income every 2 weeks out of my paychecks. I am supporting a family of XXXX and it is a hardship on our family. I am being charged 23 % interest for the past 25 years without any proof this is my debt. The collection agency started to garnish my check in 2015, the garnishment stopped after they held it out 4 times. Then they re-started the garnishment in XX/XX/XXXX2016 but cont. to charge interest even for the time the garnishment was not taken. I do n't believe this is my debt at all and all the dealings are fraudulent. I do not have the money to hire an attorney, or I would have done so long ago. Please advise.
RE : UNAUTHORIZED INQUIRIES Never did I give anyone consent to use my credit. Nor did I allow your company to allow anyone to use my identity to attempt to open any new accounts. I am frivolous and XXXX at how your company violated my rights as a consumer with in The FCRA sections 609, 610, 611. Your company also used my credit file to place inaccurate erroneous information which I am unaware of. I have been a victim of identity theft in the pass. It is your job as a credit bureau to protect our credit files which you purposely leak consumers files. I am distress and I am disputing these accounts as an internal dispute listed in the files sections as photos and an affidavit. I have filed a suit against your company for violating my rights several times because I am sick and tired of this. It has to stop. I am allowing a total of 2 business days for this investigation to take place and a renewed copy of my Credit report with the inaccurate and erroneous items you placed on my report removed permanently. I will be following up with in 24 hours to retrieve information of whom placed the erroneous accoutns on my credit file. I want to speak to a supervisor who is in charge of this shift because someone isnt doing their job and doing fraudulent things where I will have to file a police report after the court hearing that is upcoming. The unauthorized inquiries are in the attached files below.
on XX/XX/2018 via united states postal mail, I received a letter from the nexis lexis company stating that they received validation from the illinois federal courts that a chapter XXXX and chapter XXXX bankruptcy is being reported under my name. lexis nexis is being dishonest in its investigation as I too requested any information being reported in regards to a bankruptcy under my name to the illinois federal courts as referenced in their original consumer file that I requested and received. per the illinois federal bankruptcy courts ( letter attached ) they have not reported such information to lexis nexis or any other credit reporting agencies.
Sirs : Reference my complaint, No. XXXX : I submitted a timely dispute of Equifax 's response to my complaint. 
I have not received any reply to the dispute of Equifax 's response. 


They lied when they said they contacted me about a " promotional block '' last fall. 
I can forward the weeks-long chain of email inquiries with them. 
More importantly, they failed to answer the question concerning whether they betrayed my trust and sold my personal information to outside, non-credit or bank-related entities. ( I.e. Advertisers! ) I also did not receive a reply from the CFPB. 
Were Equifax 's actions legal? 
They act in a " quasi-governmental '' role and are even referred by numerous US Government agencies and websites. 
Was their disclosure of my PII to commercial entities legal? 

Thank you. 
XXXX XXXX
Sent multiple letters to the creditor to verify that the account was owed by me but I never received verification from the creditor.