WillisBack/dataset-financial-user-claim huggingface dataset:
RENT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX have a a unverified account from. I had previously disputed this account. I have never done business with RENT RECOVERY SOLUTIONS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt RENT RECOVERY SOLUTIONS purport I owe. I request that RENT RECOVERY SOLUTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that RENT RECOVERY SOLUTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
I made a HUGE mistake of taking a loan out with these scam artists, I was approved for a {$1000.00} loan, and I was told that there would be a {$350.00} finance charge, and although that seemed high, I agreed. 

What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure NOT visible at the time I accepted this loan showed an APR of, and this is not a typo either, 779.0804 % and that the total repayment amount for my {$1000.00} loan would be {$9900.00}. 

After realizing what I had gotten myself into, I started looking online and saw what kind of company this is, they are a predatory lender engaged in illegal business practices. 

I am a single mom ( so single income ) with XXXX children and no child support. I will not be able to eat or feed my children if i have to pay this ridiculous finance charge. Please help.
I contacted XXXX XXXX the collection agency that bought my debt from mobiloans in early 2017. I informed them that I wished to start working on getting my account squared away. I told them at the current time I could afford {$50.00} a month to which I was told that was fine as long as I made two months of payments around 140 a month to start to show good faith. I really did n't have that kind of extra month but agreed to just to start the ball. After several months I contacted them to see if I could get a settlement offer. In reply they told me no that I was not going to get a settlement because they were allowing me to make payments to begin with. I told them that I felt that was unfair and wished for them to cancel all payments since they wanted to charge me a fee if I paid monthly vs having them auto draft from my bank. At this point the guy became mad about it and in short terms used threstening words and tone to try and get me to keep paying. I refused until they would give me a good settlement that satisfied both parties. I told them i would have some money for a settlement around XXXX XXXX 2017 if they could come up with a decent settlement around then to call me and maybe we could come to agreement. The guy then told me without an agreement from XX/XX/XXXX to XX/XX/XXXX there was a good chance that they would sue me. I felt very pressured into everything. But still said no to anymore payments. Fast forward to XX/XX/XXXX I find that Summit has taken {$50.00} from my bank. I call my bank to report it and my bank canceled my debit card and starting a fraud report. They also suggested I call XXXX  to try and fix it. When I call XXXX the first lady talked to me and told me that I had agreed to the charges but said there was an email on my account that said I had cancelled all payments back in XX/XX/XXXX but then I called and told them to resume payments and to change my due date. I had not called them at which point she hangs up on me. I spend the next 2 hours calling them back to only be hung up on or transfered. Finally they get me a manager and he claims I told them to change my due date and keep taking the money out. When I told him I did n't he argued with me. After several times I tell him that they took the money without my approval and he said no I had given it in the beginning so it carries over even after I cancelled the payment because I wo n't tell them my intentions with the account. I told him I wanted my money back for the payment they just took and to cancel the rest of any thing on the account. He said no to my refund and then said the rest are cancelled and then hung up. I did n't get any confirmation or anything. My wife also has an account owned by them and her account is having the same problem right now as well.
was getting mortgage to buy a home. loan from navient showed up on credit report. 
says i owe XXXX dollars. they said it was for when i went to XXXX collage in 2005. 
i sent paper work to them showing i did not go there. was then taken off my credit reportwith not that is was not my loan.then when we went to close on house it was back on reportso my mortgage was canceled and didnot close on house.sent paper to navent show that it was removed from credit report and ask how this happened. it now says dispute is resolved and customer does not agree on my credit report. this is all messed up and should be gone. this loan was also listed on my bankruptcy and have been told that since it is a private loan it should have been discharged
I had a tax lien that was released in XXXX of 2015. As instructed by my state tax commission, I mailed a copy of the satisfaction letter to all XXXX credit reporting agencies on XXXX XXXX, 2015. XXXX & XXXX removed the lean within days of the letter receipt, but Equifax has yet to remove the lean from my credit file after several additional attempts to dispute the tax lien via their online dispute system, USPS mail, & fax. I am beginning to get frustrated as this is negatively affecting my overall credit.
There is a medical Debit on my credit that i have no association with. The date assigned was XX/XX/2015 by Choice Recovery Inc for {$400.00}. I have never seen this  account or done business with Choice Recovery. I have disputed this with other bureaus and it has been removed, but seems not to be removed from XXXX.
The XXXX XXXX XXXX department of Santander Bank requested the renewal policy for a flood insurance of my condominium. I submitted my proof of insurance after few days that I received the request on XXXX XXXX, XXXX. I received a second notice and I immediately sent the same information again by fax and mail. In XXXX XXXX, XXXX, I received a note that the company forced me to acquire a flood policy and charged me {$2500.00}. I called many times and left many voice mails to the number provided by the XXXX XXXX XXXX department ( XXXX ). I sent by email the proof of insurance as well as the declaration page on XXXX XXXX and XXXX, XXXX to the customer service dept. and to the local branch who indicated that they will forward this information to the XXXX XXXX XXXX department. I opened a formal internal complaint about this case through the customer service area, however it was completely ignored. In XXXX XXXX, I faxed again all the documentation to the same Consumer Loan Servicing department ( XXXX ) as well as to the customer service office of Santander bank and I mailed the same documentation. In XXXX XXXX, XXXX, I visited the branch and talked with the branch manager about this problem.One of the managers mentioned that all the documentation was sent the first time that I submitted the information in XXXX XXXX. 

My main problem is the complete lack of response and consideration of the XXXX XXXX XXXX department. They never responded to any of my communications by phone, fax, mail or email, and they charged me an unjustified and unnecessary premium. I have also wasted a significant amount of time complying with a routine requirement which is easily satisfied with a simple form.
I had a Chase Card for  many years ( perhaps u p to 9 ), ma king on-time payments and always keeping a healthy debt to balance ratio on the card. In the aftermath of the recession, I recall making payment arrangements with them while not using anymore credit. They refused to work with me and simply closed my account and turned it over for collections.     I tried to work in good faith with them, but they were not interested in that. There is no record I can find that even shows that I missed payments with them. I believe this was abuse by a financial institution.
I opened an ( online ) Synchrony bank savings account and Synchrony proceeded to mail letters with my FULL SOCIAL SECURITY NUMBER, obviously along with my full name and address. My birth date may have even been on the letter as well. After contacting Synchrony to file my complaint, they indicated that they had sent out several other letters with my full social on it. I only received the XXXX letter with my social and am extremely concerned the other letters with my social were intercepted. I would n't be so upset if it was only the last XXXX of my social. But the full social is ridiculous.
Someone called my job yesterday, stated the company name, and asked to speak to me. Stating the company is already too much. My job does not even allow personal calls, which is looking bad on me. If I lose my job, I will definitely seek legal action against this company. They wrote everything on a sticky note and left it on the desk. STOP CALLING ME, ESPECIALLY AT WORK.
Using the   XXXX   XXXX   app on my phone the bank will not send over info for my account like they should. They update every few days instead of a few times a day so everything is always behind rather than up to date like it should be.
the macys account in question MACYS ACC # XXXX, Is reporting a late negative, which i never committed, please have all three bureaus to remove this inaccuracy. 
i have already submitted the creditors letter for which they have approved of removing them, as banking error.
I NOTICE THAT CAPITAL ONE HAS BEEN REPORTING ME DUP. ACCTS. 
XXXX {$8500.00} LIMIT {$0.00} BALANCE IS CORRECT XXXX {$5500.00} LIMIT {$4700.00} BALANCE IS INCORRECT. 
( ACCT XXXX SHOULD HAVE BEEN CLOSED OUT DUE TO FRAUD ) I CALLED CAPITAL ONE BACK IN XX/XX/2016 AND SUPPOSE HAVE TAKEN CARED THIS. IT SEEM THEY HAVE NOT.
I did call C.C.O.C ( A Debt Collection Agency ) when I found out that they report this debt to all XXXX credit bureau. I told them that this debt supposed to collect from XXXX XXXX XXXX XXXX and I have a prove of XXXX XXXX A that I filed with IRS that I paid my premium from XXXX - XXXX XXXX. I also told them that I did call XXXX XXXX XXXX  XXXX to confirm that they will take care of this debt. I also send all supporting documents along with the letter to C.C.O.C.. Instead of removing this debt from my credit reports, they sent me the letter state that this debt is valid and will remain unchanged. and also adding interest with this debt.
Received a letter from XXXX XXXX XXXX, XXXX to take me to XXXX of California for a debt that is XXXX years old! The collection company or attorneys are XXXX XXXX XXXX, XXXX XXXX in XXXX, CA XXXXThe Credit Card is Discover Bank.
on XX/XX/18 at XXXX I tried to get my credit scores from XXXX XXXX and equifax. 
XXXX XXXX link directed me several " security questions '' and after that to a pay website where I need to give my credit card to get the score. I declined. 
equifax website link directed me several security questions that were vague and used wording like bank card instead of credit card to mislead. After that step the website just prompted that they can not give me the score online and that I can only do it via regular mail, where I need to fill out an attached form along with the Social Security card Pay stub with Social Security number, W2 Form, Driver 's License, Rental or lease agreement/house deed, Pay stub with address, Utility bill ( gas, electric, water, cable, residential telephone bills ). 

it looks like these companies go to great lengths to get money from the customers that need their own credit score.
I have been working from XX/XX/XXXX to XX/XX/XXXX to consolidate my loans with XXXX, and begin to make payments, as well as take part in Public Service Loan Forgiveness ( PSLF ). Throughout this process, I have been consistently given incorrect information. Originally, on XX/XX/XXXX, my estimated payments were {$150.00} per month. The next day, I was provided a new estimated loan sheet, with estimated payments at {$340.00} per month. I awaited the consolidation process, under the guidance that once complete, my payments would be around the {$160.00} per month mark. Upon completion of the consolidation, I received a new document that stated that my payments are effective in XX/XX/XXXX, and are {$280.00}, vastly different than {$150.00} ( the  amount I agreed to previous to consolidation ). 

I called to explain this, and expressed that {$280.00} was a little too high, and that I wanted to make slightly lower payments ( at {$200.00} or less ). Instead, they stated that they had made a mistake on processing my application, and that it should never have been approved as it was. They explained that my payments are to be {$330.00} ( {$60.00} more a month! ). Because I had called XXXX to work out a better payment arrangement, they found their own error and made my payments significantly more. What originally started as {$150.00} per month estimated, had become almost double by the time consolidation was complete. I requested to unconsolidate and go back to lower monthly payments to two different servicers, and was told that was not a possibility. They offered another option stating that it did not qualify for PSLF, at {$470.00} per month. I realized then that they had no intention of handling this issue with me, or considering their mistakes. I hung up with them, letting them know that I was very upset, and this payment was not feasible for me. I live in Florida, where the cost of living is quite higher than it is in other states. My rent, utilities, and vehicle to get to work ( so I can pay them ) were not considered in their payment arrangements.

The next day, today, XX/XX/XXXX, I received another written notification from XXXX stating that my IDR plan had been approved, and my new payments are to be {$340.00} ( another increase in two days ).

I am at a loss as to what to do anymore. Conversations with them go nowhere, as well as make things worse.
XXXX Mastercard does not honor their promotions giving bonus points for purchases during the promo period. 

I signed up for a XXXX points promo during XX/XX/XXXXXX/XX/XXXX. I made {$38.00} of purchases in that period. I only received XXXX points in my XX/XX/XXXX statement. I should have received XXXX ( $ XXXX ) points. I have informed them but they have ignored my complaint. 

I signed up for a XXXX points promo during XX/XX/XXXX-XX/XX/XXXX. I made {$38.00} of purchases in that period. I only received XXXX bonus points in my XX/XX/XXXX statement. I should have received XXXX ( $ XXXX ) bonus points. I have informed them but they have ignored my complaint. 

I signed up for a XXXX points in the shopping category promo during XX/XX/XXXX-XX/XX/XXXX. I made {$50.00} of purchases in the shopping category in that period. I only received XXXX bonus points in my XX/XX/XXXX statement. I should have received XXXX ( $ XXXX ) points. I have informed them but they have ignored my complaint.
Portfolio Recovery Associates, LLC will not stop calling me even though I've requested many times that they stop calling me. I'm a XXXX Veteran currently living on SSI while I await my claim with the VA and suffer from XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX and many other illnesses. 
The last time they called was XX/XX/2018 around XXXX and the lady said her name was XXXX XXXX.
A few years ago I was fooled into attending online classes from XXXX university. The classes were worthless and the credits were not able to be transferred to a local university I decided to transfer my degree to. I was under the impression that my loans were all federal, and all through XXXX. I recently had to file bankrupcty and I was aware that my federal student loans were not going to be discharged, and after I received my discharge papers I sat down to go through the mess of student loans. Now all my loans seem to be serviced by navient, including XXXX loan in particular that is a private loan for XXXX university. This loan in particular is listed as a private student loan from XXXX university. There was a lawsuit against the original servicing company and I have already filed for bankruptcy personally. I have spoken with representatives from navient and have repeatedly requested the promissory notes and loan documents but they refuse to provide them. They simply state they have my social security number and am liable for the debt. I was rather naive regarding attending XXXX university and at the time they had all the bells and whistles that made it look like they were going to be a fair and advantageous school to attend. I was sadly mistaken.
I cosigned a student loan for my son. When we entered the repayment period, I tried to set up an online account to pay online. I was unable to do so. When I contacted Wells Fargo I was told that my son could set up an account and allow me access through a guest account, but I would be unable to pay the account through a guest account. Only the primary borrower could pay online. I must either mail a check, go into a branch or make a phone payment each month. I feel this is ridiculous given the fact that I would be held fully responsible for the balance if my son was to default.
I am being sued by Midland Funding , LLC. for a XXXX credit account. 

In XX/XX/XXXX I was offered a debit relief settlement over the phone. I was to make the payment on or before the account due date. When I went to make the payment at the store the account was closed. 

The summons from Midland Funding , LLC shows in a statement that the account was closed prior the to the due date. 

Documents presented by Midland Funding LLC do not include any arbitration information for the account and serve to further my claim the account was closed prior to the due date. 

The court date is XX/XX/XXXX.
I received a letter datedXX/XX/XXXX stating that I owed a student loan debt in the amount of {$31.00}, XXXX to a company called TG. Their address is XXXX XXXX XXXX XXXX XXXX, TX XXXX Their phone number is XXXX. Their website is www.tgslc.org.
This letter threatened to enter me into the DOE offset program to garnish my wages and tax returns. I called the company, who instructed me to send them all of my personal info documents -- driver 's license, social security card, etc. I refused to do this, however, since I have no business with this company, and the more information I give them, the more likely it is that they can steal my wages and tax returns. I sent them a debt validation letter.
They returned a letter to me with a promissory note from someone with the same first and last name. That is where the likeness stopped. This person has a different middle name, different social, an address where I have never lived, a phone number I have never had, different birthdate, a city I have never lived in, a different driver 's license number, a lender name I have never used, and relatives with whom I have no relation to.
Furthermore, they are still demanding my sensitive personal information along with FIVE writing samples from XX/XX/XXXX. I do not want to provide this information to a company that I have no business with.
TG has shown gross negligence in identifying their debtor. This can not be a simple mistake. I only share this woman 's first and last name. No other like identifier exists. They also violated this woman 's privacy by sending me her promissory note with all her personal information. I would hope that the company has better privacy practices than this.
Equifax enclosed is a copy of your credit changes on my report you reported updated in my favor but my score dropped 8 point s the only thing was i an in dispute and reinvestigation is taking place my question is why you dropped 8 point because if an investigation the changes were in my favor not negitve
Equifax has made it impossible for me to dispute errors on my credit report even though I am a victim of their data breach. I have tried more than a dozen times doing it online and a couple over the phone. No negative remarks should be on my report.
XXXX XXXX Closed my Account and would not give me a reason why I spoke to XXXX  and XXXX XXXX is a manager at the call Center I made nothing but on time payments Never late and both the manager and customer service rep were rude. I Asked About the payments Because the Automated system said my account was paid off when it wasn't And they reported to the beaurues that I closed the account which I did not they did and are not willing to reinstate the account I am building credit have nothing in collections and used the card responsibly and made all payments on time.
.Re : Capital One Acct I opened an auto loan with the referenced bank, at this I do n't remember the date. I started making the payments a month before the scheduled date of the first payment. 
I paid the loan on time each and every month it was scheduled. In XXXX XXXX, I had an accident hitting some XXXX ice and the car was totaled. Capital One told me that a $ XXXX amount was left to pay on the loan, so I figured that I would pay it off using the scheduled payment structure that was currently in place. 
Capital One, increased the payment and excelerated the time needed to pay off the loan. To say that I was upset was exhibited in my conversations with the various people I spoke with ; after all I had never missed a payment and felt that I should have been given some consideration! 
I was given a date of XXXX XXXX XXXX to pay the balance or have the account written off and foreclosed. Also they refused to allow me to continue to make the payments on line instead " I had to call them every month with my payments. I informed them it would be paid by XXXX XXXX, and it was. 
Capital One not only foreclosed the account but charged me an extra XXXX as a late fee! 
This accounted has and still is reported as the following : 1. Bad Debt 2. Write Off 3. Placed on collection, etc. 

As I have stated I was in no way going to let myself be bullied be a few people who made decision and usurped their own status in an attempt to play " XXXX '' This has maimed and undermined myself and my credit, all because the people who handled this tried to make me say " UNCLE '' and I would'nt! 
This should be corrected " IMMEDIATELY ''.