WillisBack/dataset-financial-user-claim huggingface dataset:
A debt that I do not owe has been sent to PDM Debt Mediation against me by my former landlord, XXXX XXXX. 

I was XXXX of XXXX tenants living at XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX XXXX in XXXX. In XXXX XXXX, my co-tenant hosted a party at the apartment. My understanding is that various property in the apartment was damaged during a fight that occurred during the party. However, I played no role in the party or the fight and therefore owe no responsibility for any damage resulting from the fight. 

Additionally, in XXXX XXXX, shortly after the incident, the landlord of XXXX XXXX told XXXX of the tenants, XXXX XXXX, that every tenant in the apartment needed to move out within three days, or XXXX/XXXX/XXXX. Verification of this is submitted here in the form of a letter sent to me by XXXX XXXX, the Leasing Consultant for XXXX, dated XXXX XXXX, XXXX. At the time that I was informed that I needed to vacate the premises, there were still roughly 9.5 months remaining on the one-year lease, which was set to expire on XXXX/XXXX/XXXX. 

I interpreted XXXX XXXX 's letter to mean that I was being evicted from the property by the landlord. Within three days, I vacated the premises by surrendering the keys to the landlord in compliance with the landlord 's order. Shortly after this, I received a letter from XXXX XXXX informing me that I would be charged {$22000.00}. 

I would not have moved out of the apartment had the landlord not told me that I was required to. Instead, I would have discussed with the landlord various ways of paying for the damaged property and then would have sought to be compensated by my co-tenant who was responsible for the damage. 

However, the landlord simply kicked me out of the apartment and pre-emptively charged me the remaining balance of the lease more than 8 months before the lease was set to expire. This deprived me the opportunity to mitigate my damages. 

Under New Jersey law, a landlord is required to mitigate damages regardless of the reason why a tenant vacates an apartment. See XXXX v. XXXX, XXXX XXXX XXXX ( XXXX XXXX ). In this case, the landlord clearly did not mitigate damages ; she simply sent me a letter stating that I owed the remaining balance on the lease even though at the time the letter was sent, there were approximately 9 months remaining on the lease. 

Additionally, I believe the landlord wrongfully evicted me from the apartment. Under New Jersey law, a landlord must give at least 30 days notice before telling a tenant to move out. N.J. Stat. Ann. 3A:18-61.2 ( b ), 2A:18-61.1. In this case, however, I was told I had three days to get out.
I contacted TransUnion in regards to an old XXXX account that had been illuminated two years ago due to ID theft and was placed again on my credit report by an agency who was resold the debt. The other XXXX credit reporting agencies have removed the item yet TransUnion claims the item needs FCRA requirements.
North Eastern Processing XXXX call with a recorded message saying they have made many attempts to contact me and this is their final attempt. They said they have XXXX counts filed against me and they are going to call the county clerk if I do n't call them within 48 hours.
Equifax system has been hacked and it says I 'm a possible victim. XX/XX/XXXX2017.
Zenco collections called me early this month and threatened me saying that I had committed tax fraud and the irs was going to take me to court and also saying I was being charged with intentional defraudment. This guy had my full ssn, dob, address, my new husbands father 's address and my account balance from my last payday to the penny. I of course got scared and made the mistake of giving info. I then had to change bank accounts when I discovered this was some type of scamy or flat lie. My mother is a retired supervisor adutior for the  XXXX  and my husband is a legal assistant. So I talked them and did research. Then spoke with my bank and closed account. Now they are calling threatening me with more legal action. I have it recorded as I have a call recorder on my phone. The guy would n't even tell me what the loan was for and says he has video and audio of my ex husbands and I getting the loan. The ex-husband involved and I divorced 10 years ago! They have n't contacted him but are threatening me. I saw on here they have done this  XXXX  other times.
A security freeze I put in place through Experian I thought was designed to prevent unauthorized inquiries. How I am unauthorized access or unable to grant access without " a written letter '' or alleged " upload '' of current ID, of which is improperly designed, not secure, unsafe with " XXXX '' extensions, and does not run, is clear and confusing to complainant and is in violation of my right to my privacy. And anyones ability to " access '' a " credit file '', from a browser without logging to site w cc a payment and " security '' responses -REALLY! ACCESS IS R/W? I AM STUNNED AT THE XXXX  OF ALL THIS.
I filed an insurance claim for damage to my home and the check was made to myself and my mortgage company. I have been in touch with 21st century mortgage several times in reference to getting the check dispersed. We finally settled on an agreement that if I caught up on my mortgage they would surrender the check to me so I can make repairs. I have caught up on my mortgage, but now the company is saying that I have to purchase all the materials needed to make the repairs and pay for the repairs then submit receipts before they will give the check to me. I can not afford to do this. I need the check to purchase the materials and pay for the repairs. It is extremely urgent that I get these funds to repair my roof. A company representative told me that once I caught up on my mortgage that they would send me the check, but now they are saying no. I need to make the repairs first. It is very disappointing and frustrating that the company is holding my insurance check as they have never paid a payment on my house insurance, I have always paid it myself! In addition, I have several other issues with this company. My mortgage originated XX/XX/1995 with XXXX and then it was sold to 21st mortgage. I have had this mortgage for twenty-one years. And the original amount financed was {$51000.00}. I have had this mortgage for 21 years. The annual percentage rate was 8.75 % and the monthly payment was {$420.00} We have paid over $ XXXX towards our home and the company is refusing to send me the payoff amount. When I asked for the payoff the representative said she would send it, along with the contract. However, I have yet to receive either. I would like an explanation of why I have n't received the pay off or contract. As well as, an explanation of why I have to pay so much on this mortgage. I have paid almost three times what my home is worth. I was young and trying to get started with my family and I was completely ripped off by this company. I did n't know any better, but this was definitely a case of predatory lending and I hope that it is not to late right this wrong. I have a child in college, XXXX XXXX child living at home, and XXXX child that is finished with school and I am tired of struggling. I would like to be able to help my family, but 21st mortgage is trying to bleed me dry financially.
Cavalry Portfolio " purchased '' a debt from XXXX, a debt that I did not owe. They have been claiming a {$570.00} balance for 5 years and have a false negative mark on my credit reports. XXXX will not list this as it is fraudulent, however, it still appears on XXXX and XXXX. I dispute and they keep claiming that nothing is wrong. They need to be off my credit report!!
XXXX acct has XXXX insurance and they refuse to activate the insurance on the acct they prefer to go to a colledction agency which is fraud! GO AFTER THEM AND GET THEM TO ACTIVAE THE INSURANCE AS I AM XXXX
On XXXX XXXX i went to DriveTime to purchase a vehicle. I met with the customer service rep and manager who was very friendly and welcoming. I sought interest on a XXXX XXXX Journey and test drive the vehicle and everything was smooth. I requested for a car fax and the representative stated that the vehicle was in perfect condition and had no ; repossessions, accidents, and rebuilds. The only thing was the vehicle having a high mileage. The manager read the contract and i signed off on it, made the agreement. Plus i was missing a hard key replacement of my key in which they promised to provide through a locksmith and never followed through. 

During the XXXX week i began having issues starting the vehicle and decided to take the vehicle to the dealer. The manager and representatives advised me through minor inspections that there was n't any issues and if it was an ongoing issue to contact XXXX. So i decided to contact them and had the vehicle taken to XXXX. There i met with the manager and he conducted a full vehicle inspection, where he found many pr-existing issues which was a major safety risk. The XXXX line was leaking fluid, no brakes, bad battery and bad starter. XXXX approved to fix the issues concerning the vehicle and was told that was the solution to the problem. We shook hands and was told to come back if there 's arising issues. 

A week later after coming from XXXX the same issue occurred and i notified XXXX XXXX XXXX about the issue. They advised me to respond back to the shop to conduct further inspections, in which again they could n't find anything. So i was told to come back if the issue reoccurs, in which the day after it happened again. The manager even conducted and full inspections in which turns to find out that my shift handle was damaged, in what appeared to be a repossession damage. The shift handle was broken and glued back together in which caused shifting damage. I was told to schedule a day to have this issue addressed, but my transmission blew out in result of the shifting issue. I had to contact a tow truck through my insurance company to have it towed to my house, later on had to pay another tow truck to get my vehicle towed to a repair facility. The mechanic advised that i had to pay a deductible for the transmission replacement through warranty. 

Its only been 3 months since Ive had this vehicle for me to have transmission and shifting issues. I felt I 've been cheated out of my money and was a sold a vehicle that was n't worth what i am paying. I would never recommend someone to purchase a vehicle through DriveTime, horrible pricing and unfair quality of service. Note : Theyre very eager to pressure to purchase a vehicle without giving full information.
TransUnion failed to respond to my dispute letter and they failed to verify that these accounts belong to me before the end of the 30 days period.
I HAVE ASK FOR PROF FROM BARCLAY THAT THESE CHARGES WERE MADE BY ME THEY HAVE YET TO SEND ME PROF OF ANY PURCHASE MADE IF THEY CANT SEND PROF I WANT IT REMOVED FROM MY CREDIT REPORT BY LAW THEY MUST SEND PROF
Experian refuses to provide me a copy of my Annual Credit Report and/or a copy of a credit report when denied credit. This is an ongoing issue with them ... sometimes they follow the law and provide it to me and other times they do n't. This is the XXXX time they are requesting a copy of my Driver License. Why??? Nothing has changed since the last time. They are purposely depriving me of my Annual Credit Report under United States law and they need to be made to follow the law like every other citizen and business operating in our country.
I placed an dispute on XX/XX/XXXX asking for an verification of the dispute on XX/XX/XXXX which was on a Sunday. Then on Tuesday XX/XX/XXXX I receive an email stating dispute was completed except when I tried to contact them at XXXX it would not allow me to speak with a live representative. So how did the verify anything with no documentation
American Express re fuses to issue statement credit for card opened during eligible promotional period.   XXXX   XXXX   XXXX   My original inquiry to the Customer Service department has resulted in  2 inte rnal ' investigations ' that were both closed without any correspondence to myself by a representative of American    Express. My follow ups have failed to resolve the issue. The account is eligible as per the above press release verbatim and the promotion was the defining reason I applied for the account.
I attempted to resolve this issue with help from the Better Business Bureau ( c  omplaint #  XXXX   ) bu t that was met with no investigation to the actual issue and just passing 'notes ' back and forth between the company which is something I was capable of doing myself. The first attempt was a mailed letter from them in attempt to reach the default timeout period against the complaint.     The details on their very own press release ( link included in the original complaint message ) dated  XXXX   XXXX ,    2016  states very plainly that " New Card Members who apply by  XXXX   XXXX ,  2016  can earn up to {$200.00} cash back in the form of statement credits '' and that " Additionally, new Card Members will also earn {$100.00} cash back in the form of a statement credit ''.     My account is eligible for those promotions based off opening my card prior to the specified end date and meeting the purchasing requirements  ( all Wireless Phone Service payments for th e remainder of    2016  were made via the referred card and the second requirement of making {$1000.00} in purchases during the first month of membership was also met ).
I have a student loan payment due the XX/XX/XXXX of each month. Because I am now paid at the end of the month ( instead of the XX/XX/XXXX as before ), I requested to have my payment due date changed to the first of the month.

I made a payment for the bill due on XX/XX/XXXX late on XX/XX/XXXX in the amount due of {$260.00}. Immediately following that, I requested through Navient 's online request system to have the due date changed. 

I received electronic notification via Navient 's automated message servicer that my loan billing groups had to be changed in order to change the due date and the next payment would be due XX/XX/XXXX. 

Shortly after that, I received notification that I had a new message. It was a generic informational pamphlet about allocation. When I logged in to view that message, my account showed that I had a monthly payment of {$260.00} past due with a due date of XX/XX/XXXX. I immediately contacted Navient through their online email system to inquire about this mistake. 

When the issue was not addressed, I called the Navient call center. The customer service representative was unable to read the changes to my account correctly. The rep told me that my payment from XX/XX/XXXX was still pending and the past due notice would go away when it posted. This was incorrect, as the XX/XX/XXXX payment had posted both in my bank statement and on my account information page on Navient 's website. 

As a result of the phone call, I received two automated emails saying my email requests would not be addressed since the customer service rep had addressed my issue. I sent additional emails via their website to inform them that the issue had not been addressed and to please explain why there was a payment due XX/XX/XXXX and why I had not been informed about it. 

Having not received a response from Navient, I logged into my account again to check on the status and my bill date had been changed back to the XX/XX/XXXX of the month. I was not notified in any way about that change. Additionally, it now shows my XX/XX/XXXX payment in the amount of {$160.00}. I paid the full amount of my bill {$260.00} which can be proven by my bank statement. 

I have received no notification as to the status of my account, why my loan due date was changed, why my account no longer reflects my payment of {$260.00}. I have sent multiple requests to Navient for assistance with this.
This debt is in regards to a medical bill for my minor son 's treatment through XXXX XXXX XXXX XXXX XXXX  in the amount of {$120.00}. My son went in for his XXXX XXXX appointment onXX/XX/XXXXand his service was not covered by my insurance company because he had exceeded the number of his wellness visits.
I contacted my insurance company ( XXXX ) to file an appeal and was told that they would consider the appeal. The insurer agreed to pay the claim and reprocessed the payment. I notified XXXX that the payment was going to be reprocessed and paid. A couple weeks later they notified me that this payment had still not been paid and would be sent to collections. I subsequently called XXXX and they told me they would make a rush payment.
Today, XX/XX/XXXX I received a call from Merchants Credit Guide indicating that I owed a bill to XXXX XXXX in the amount of {$120.00} that was sent to collections on XX/XX/XXXX. I informed them that this should 've been paid by my insurer and that I would call them back with further information. I contacted my insurer and was notified that this bill had been reprocessed and paid on XX/XX/XXXX through electronic transfer, record number XXXX in the amount of XXXX I proceeded to call Merchants and notify them to update their system. They told me I should also call XXXX and file an update with them.
I 've tried to call XXXX to get some type of communication indicating this was sent in error and an apology. I have an excellent credit score which I 've worked hard to maintain and achieve do not wish to see it tarnished through an incompetent and careless billing department. I wish to see some type of sanctions as this callous and careless attitude should not go unpunished I can provide any further information that the CFPB shall require.
I have received the statement from Machol & Johannes and there are charges on the statement that I am not sure that I am responsible for. There is no ledger to indicate that this is charged to me or not. Further more it seems that the debt should be paid off and it still shows a balance.
XX/XX/XXXX check my credit report and Equifax had delete my credit report and insert old accounts. Called them and they told me to call the company for my credit card and loans. Did that around XX/XX/XXXX everything was place back. XX/XX/XXXX all my accounts was there and Now XX/XX/XXXX everything is gone again now. I have called and spoke with manager supervisor and they cant tell me what happen to my credit file and stated I have to call the company. Which I don't think is right because I have call the company last month when this happen and they stayed they have report to them. I'm middle of buying a house and now I don't have no credit file for Equifax now
Conversations via phone and mail were held by power of attorneys and XXXX representatives. They have failed to verify or validate their claim according to law. When identity theft was suggested, they removed a few of the reports from the bureau but not all. This situation dates back beyond the statute of limitations of any debt. This is the final attempt to have XXXX cease and desist before we pursue litigation for false reports, libel, and other violations of the FTC and the FCRA. 

The claim now is dated for XX/XX/2018. Clearly XXXX continues to not only falsey report an invalidated claim, but unlawfully renewing a claim which they initially dated a decade ago. 

C/O XXXX Account Claims # 's XXXX,XXXX,XXXX,XXXX
I spoke with XXXX in collections for XXXX XXXX account. I explained that I have been going through financial difficulties and wanted to start paying {$25.00} dollar installments. She told me that it was not enough and began to get belligerent. She said needed pay {$100.00}. Then in a fast conman way asked for my debit card number or checking information. When I would not give the information she said she would note the account refusal to pay. I said I am not refusing to pay you refused the amount I am willing to pay. She was so rude, I asked for a supervisor. She placed me on hold and XXXX XXXX answered. I described the conversation and asked if that is how they train their representatives. He hung up on me. I called back and couldnt get through. The call was recorded between XX/XX/2018. The call began at XXXX XXXX and lasted approximately 7 minutes total. Please request a copy of the recorded call which will corroborate the fact she refused my payment. The call was recorded ; we were on a recorded call- that is how XXXX started the conversation. 

Sincerely, XXXX XXXX XXXX
The credit company Transunion is reporting that I have several things on my credit report that is affecting my credit score inasmuch its preventing me from obtaining apartment rentals and the financing of an automobile. The false information that is being reported are evictions, a lien judgment and identity of current addresses that does not reflect my credit history because these places in which are reported are not of any former or current residences.
I have contacted Equifax several times regarding unauthorized inquiries on my report, they state that their system is updating, contact the company that initiated, it 'll take 30 days to get results, and numerous other foolish excuses to not remove these inquiries that have nothing to do with me. There is a ton of car finance companies along with several other inquiries on my report. I have never even been to a dealership other than to purchase my current vehicle and the only inquiry for this was from XXXX. Therefore the only inquiries that should be on my report are XXXX and XXXX. 

I did take the advice of one of the Equifax reps and contact these companies directly who advised me that since there is no record / file or account with them that I would have to contact Equifax to get them removed, which I did and was told basically that they ca n't help me. Here are in the inquiries that I need removed : XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
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