WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX a family member discovered that the home located at XXXX XXXX in XXXX, NC was not longer there. Through research I discovered that the city demolished the resident, but I was never notified. However Navy Federal Credit union was notified and never informed me. A employee at Navy Federal signed the return receipt and provided it back to the city, because I was never notified and did n't know problems existed, the property was demolished. The home was demolished at the beginning of 2017.  After discovering this has taken place I spoke to the city inspector and after he looked further into the case that 's when I found out that Navy Federal was made aware and I was provided with a tracking number for the letter that was mailed to them. After discovering this I contacted XXXX XXXX and Navy Federal and told him everything that I have stated and I was told that I still owe the unpaid balance for the property even though it no longer exist and Navy Federal knew the property was going to be demolished and never told me. I also spoke to XXXX a supervisor and I was told the something. 

Additional information : Navy Federal charged this loan off, but is still showing that I own the property and states that I 'm still responsible for the unpaid loan balance.
I reviewed my credit reports and have noticed that Equifax is reporting a balance for XXXX of {$8500.00} but XXXX is reporting a balance of {$9200.00}.
I has been over 30 days and experian has not completed my file. I did a investigation and tacked everything for the last 5 months and noticed Experian was lying to customers about verified information. I do really need help and looks like experian 's client " XXXX XXXX XXXX '' has paid extra to stay on my credit report bc I never took part with that company. Attached is from the FTC and has updated information. Looking forward to getting this resolved.
Student loan company is Nelnet. I was placed under forebearance XXXX because I had lost my job and the loan company reported to my credit that I missed XXXX payments and it have severely affected my credit score. I have disputed it several times, but they never respond. My payment history is perfect other than what this loan is saying. I 'm trying to buy a home and they are unlawfully reporting misinformation about me.
on  XXXX / XXXX /   2017  I called ConServe about getting my delinquent school loans in a repayment plan. I asked questions about garnishments and taking my taxes because the loans were quite behind. I spoke to a  XXXX  and told her I had n't filed my taxes yet this year and I did n't want to have to worry about a garnishment. She said not to worry, I had no garnishment on file yet, and that my taxes would be fine until I got into a repayment plan with them. Then for the next 9 months my tax returns could be taken. I agreed to that and entered a payment arrangement with them on  XXXX / XXXX / 2017 . I filed my taxes prior to  XXXX / XXXX / 2017  and received a letter from the dept of treasury letting me know my taxes were taken and applied towards my school loans. I was misled by  XXXX  of ConServe as she told me this would n't be an issue. I called ConServe to get this resolved and spoke to a manager who said he could n't do a thing, they were already taken and I would have to call the dept of education. This is a violation of the FDCPA, as I feel I was intentionally misled in order to set up a payment plan.
Not much happened other than the capitalist rise in America! 

Due to divorce I had to file bankruptcy. My credit was great until divorce. The ex was not helping with our debt anymore so I filed for bankruptcy. 

This has begun a long arduous journey of restoring my credit. Because I am post bankruptcy I did not have access to any loans. I got many credit card offers, many of them at the max APR and usually with a $ XXXX $ XXXX+ annual fee, just to have the low balance terrible interest card. 

I did have access to installment loans. Little did I know how terrible they are. I have had XXXX now, maybe XXXX. Each one ends up in a new XXXX towards the end of it 's lifeline. 

The credit system in America needs to be seriously reconsidered. As it stands it is 100 % pro business and NOT pro consumer. When I try to rent a house through a rental agency, they check my credit and I get denied often. I am basically limited to apartments, duplexes, and town homes because my credit score. This is very discriminating. Without knowing why my credit may look the way it does, I am denied access to a home and limited to multi occupant housing like apartments. I am not low income, just low credit score. Where I live, most apartments are for low income. 
When I do manage to find a place that will let me live there I call the utility company to get my services turned on. They check my credit too and based on the score will charge me astronomical deposits. They will base it on credit first, but then say it is based on the the previous occupants average usage. This is garbage. Again, I am discriminated against because of my credit score. My ex wife gets off scotch free. She never had credit. I did. So in divorce I was hit with everything. She did n't need to be part of the bankruptcy because she had no credit. 
When I go to get a new cell phone I have to pay a higher premium because my credit is low. I ca n't buy a phone for a reduced price because I have bad credit. 
This is basically the issue with all industries. Most can discriminate against me based on my credit score, which means I have to pay more than others because I had to file bankruptcy due to a nasty divorce. 
This also forces me to use other means to acquire cash to make big purchases. 
Those other means? Installment loans and payday loans. Some of the worst possible credit decisions you can make. They cost too much and have interest rates as high as 600 %. 
I got an installment loan for XXXX ... I have been paying for about 6 months now and I will still have paid them XXXX by the time I finish. That is n't include what I have paid in 6 months. So I get a small loan to make a purchase like tires for my car, or something else important and I am stuck in a financial XXXX because again, my credit score ca n't even get me a {$500.00} loan to rebuild my credit. 
Banks shun you! 
Please fix the American credit system so people like me do NOT need installment loans. We need to fix it so we can get rid of these evil companies.
We filed Bankruptcy in XXXX of 2010. XXXX XXXX XXXX and XXXX both are erroneously reporting mortgage lates after that date. These were recently reported on all XXXX bureaus and have dropped our credit scores. We have been working to recover from a very difficult time 6 years ago and seems like they just want to keep us down.
I bank with Capital One 360. I reported bank fraud XX/XX/XXXX for something that happened XX/XX/XXXX It was still pending and the bank said they could not do anything until it went through. On the next day I did the dispute. They will not refund the money until after the investigation and they get more information proving that I did not authorize the transaction. It could take some 90 days. I have to provide proof of fraud. I do not understand how a bank that is FDIC insured is making we wait to receive my money back. The day I reported the fraud should have counted as day one no matter what. Banks refund customers and not wait until a full investigation that could take 90 days to complete and 2 days to tell you they are investigating.
Im supposed to be granted a 6-month grace period, a window in which they persist to call and harass me. My family and I quiver by the answering machine as they mercilessly continue to shake me down. I would have never expected the effects of my student loan experience to carry over to my family, or cause us this much emotional distress over the holidays.
XX/XX/2014 I had advised these XXXX companies National Collegiate Trust and American education Services who administer the loan for National that this account was an Identity Theft. I have sent them numerous packet of affadavits and police reports regarding the theft and their own paperwork that shows that my signature was forged. I have sent numerous letters to the Vp of Loan Operations I have even put complaints in on this site and they still have not responded nor have they taken the information of my credit report. What they have done is send the account to XXXX different collection agencies that harrass me about this account until I send them the identity theft paperwork. I have also filed complaints with the board of ed and federal trade commission. But to no avail. I feel these companies are just scam companies and should be put out of business!!!!!!!!!!!
I FAX DOCUMENTS AND I EMAIL DOCUMENTS AND NO ONE HELPING ME FIX THIS ISSUE. I APPLIED FOR CREDIT AND WAS DENIED BECAUSE MY REPORT SAID I HAD NO CREDIT HISTORY. I SHOULD N'T BE CHARGE THESE INQUIRIES IF THEY ARE NOT GOING TO PROPERLY GIVE OUT MY CREDIT REPORT
I have paid for a pay day loan XXXX and now am being sued claiming I did not pay for the loan. I have been called XXXX times regarding this same loan that I have paid and now XXXX Mediation has made a claim that I still owe {$400.00} and if am sued in court they are seeking {$2900.00}. They do not care that I have letters that claim I have paid for this loan
Inaccurate addresses reported never lived here XXXX XXXX XXXX village XXXX NC XXXX Balancing Rock Ct XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX Card # XXXX AXXXX XXXX XXXX # XXXX The information listed has no relation to me I have not entered any agreement with any agency listed. Nor am I connected with theses inaccurate addresses.
I tried to get my free online credit report from XXXX XXXX XXXX for Equifax on XXXX/XXXX/2017. When the report results were requested the site said, " Online reports not available ''. I do not want to receive this report through the mail and do not want to send the identity verification which included my SSN through the mail. Do I now not get a free report from Equifax if I do n't order it through the mail ... .no options are given to undo the request?
My equity line from XXXX XXXX ending in XXXX was reported XXXX X late when it was paid and posted within XXXX days. The XXXX reporting showed a statement that it was due on the XXXX of the month. Payment was made on the XXXX day. I have written all XXXX credit bureaus more than XXXX times for the same reason furnished statements and today even talked again with a " XXXX to the President '' person who called me after complaining about the bank on this site. The banker informed me today that indeed XXXX of those payments was received on the XXXX and processed on the XXXX so they were going to correct that reporting. However the same representative indicated that the payment had to post or be received on the XXXX not to be XXXX days late. That same banker also indicated that the statement which I will attach has no meaning even if it indeed says payment was due on the XXXX of the month.
They are calling at work and continue to call even after I have told them not to. They ask for personnel information, before they will tell me who they are or what they want.
In XXXX 2017 I received a notice dated XXXX XXXX, 2017, from XXXX XXXX XXXX XXXX that a XXXX, XXXX account in my name had been placed with them for collection of {$510.00}. I do not have nor have I ever had a PayPal, Inc. account # XXXX. Per the instructions in the collection letter, I notified XXXX in a letter sent by certified mail on XXXX XXXX, 2017,  that I disputed the claim, that the PayPal account number was not mine and that I had no outstanding obligations to PayPal. After the letter disputing the claim was sent, I received at least four phone calls attempting to collect the disputed amount. XXXX never sent me the promised verfication of the debt or a copy of any judgment as they said they would if I disputed the debt. On XXXX XXXX, 2017, I received second debt collection letter dated XXXX XXXX, 2017, from XXXX XXXX for this PayPal bill that is not mine. The amount of the account balance has risen to {$1000.00}. I have again written to XXXX and disputed the validity of the debt.
I got a preapproved letter from Bank of America to apply for card. I was declined. My credit is excellent. When I called, no one could look at the application to see if error was made and the associates told me it was all done though a computer and no live person was available.
I filed a dispute on two diffent cases with the fraud department one for XXXX and the other transactions i didnt reconized from XXXX and XXXX so i filed a dispute suntrust called me a rep in thr fraud department calls me and ask some questions about the disputes she didnt let me talk when i was trying to explain to her about XXXX i paid XXXX dollars for service to be installed i was told to pay my brothers bill before they install service so i declined and ask for my money back they didnot return mu money to my card this rep for suntrust fraud department denied my claim on this she didmt reach out to XXXX at all so i paid XXXX dollars but yet never got it back because this rep did not do her job i wamt my money back and thr other disputes she also failed to do her job ans denied thst claim i wamt my money back im closing my account because suntrust failed to there job, im not filing no appeal that woukd take 45 days if someone did there job more probably. I wouldnt be going through this, i was called a liar on this claim i dont appreciate that this needs to be resolved
I recently applied for seasonal work for XXXX XXXX and submitted to a background check provided by First Advantage. The background check came back in a very timely manner, but to my distress identifies me as a felon. I have not been found guilty of a felony.
In XXXX of 2013, I pled guilty to XXXX XXXX XXXX XXXX. The first, for XXXX XXXX ; the second for XXXX XXXX.
These charges are correctly named on the background check. However, the first, for XXXX XXXX, says the charge type was felony, and this is wrong.
I 'm not a lawyer, but I do n't think there is a felony charge type for the charge of XXXX XXXX. In any event, I did go to the State of Alaska online court record to make sure the XXXX XXXX charge was listed there correctly as a XXXX XXXX XXXX, and verified indeed it is. ( See : http : //www.courtrecords.alaska.gov/ searching under personal information I supplied to XXXX XXXX in my job application. ) I hope this supplies the information necessary for XXXX XXXX to clarify and correctly evaluate my background. Additionally, however, I hope First Advantage and this agency, ConsumerFinance.gov will work on my behalf to prevent this error from being repeated. I greatly appreciate XXXX XXXX and First Advantage making me privy to this misinformation coming up on their search and I can only wonder if there have been other times it has come up and I 've not known.
Sincerely, XXXX XXXX
Hello someone wrote a check to me for a job that I got and I guess the check I deposited the account was closed. I went to get my XXXX dollars out for car repair this morning and it would not let me. They closed my account because of a check that someone else sent me. It was bank of america
XXXX XXXX with the Leviton Law Office in XXXX, Illinois called our business to collect a debt for a service we signed up for in the last calendar year. When given the information that our company cancelled the service she became hostile and threatened to have us arrested. 

1 ) XXXX XXXX never disclosed that the call was being recorded. 
2 ) XXXX XXXX never gave her name, I had to call the company directly and asked for her voicemail. 
3 ) XXXX XXXX refused to give the city/state where their offices were located. In order to attempt to collect a debt, you the collector must be in the same State as the individual/business they attempt to collect from. 
4 ) XXXX XXXX cited false collection laws. 
5 ) XXXX XXXX was hostile, shouting, and was inaudible 3/4 of the entire phone call. 
6 ) XXXX XXXX refused to provide the details on how much was owed on the collection account, and how much her " firm '' purchased the collection file for.
I have been billed an exorbitant overdraft fees by usbank this is not right. I have attempted to make cash deposits at three different usbank ATMs and I keep getting an error message this Cost my account to be overdrawn also when the overdraft fee was less than {$5.00} I was billed another overdraft fee, I am requesting credit for all overdraft fees totaling {$300.00}. I will attach a photos that I took at an ATMs.
My vehicle was paid in full on  XX/XX/XXXX . On  XX/XX/XXXX  the bank pulled a additional payment. Upon calling the bank they acknowledged the overpayment and stated that since it was ach from my account that the check would be mauled back to me. I still as of today have not received the check. After speaking to the bank they now state they do not have a association with the  Bill p ay sevice. However upon searching the billpayment service it shows owned by fifth third. The bill payment swrviceis also now staying they have no record.I have provided bank statements and have spent countless hours working to get back the overpayment.
After reviewing my credit report I notice that Equifax had a Lien on my credit report that was released. That should have been taken off my credit report after the Lien has been satisfied. I am informing you so that Equifax to remove this Lien off my credit report. I have not file a formal dispute letter. I decided to file a case through your services to have a track record just in case Equifax does n't follow through with doing what is right.
I sent a letter to collection/creditor to verify debt and never received a response. I sent my letter on XXXX XXXX and gave the allowed time by law to verify and send documents. I have proof that I sent at post office and no response was given.
XXXX accident occurred on XXXX XXXX, XXXX in or near XXXX XXXX, California between a car owned by me and another car. I have received correspondence from Recovery Partners , LLC claiming unverified damages and stating that if damages are left unpaid, a drivers license suspension request against me will be sent to the California DMV as allowable by law. 

To resolve this claim I have sent three letters ( 2 of them are attached to this complaint. I was unable to attach my first letter to them dated XXXX XXXX, XXXX which was in response to their original collection letter of XXXX XXXX, XXXX ) requesting verification to justify damages due to the accident by providing dated, detailed receipts for medical and a copy of the traffic accident report. After three letters Recovery Partners has not provided me with any dated, detailed receipts from a doctor or hospital nor have they provided a traffic accident report. 

I notified Recovery Partners LLC that until they provided me with detailed receipts that justified the damages, all communication and efforts to collect this debt must cease per Federal law. Recovery Partners continued communication with me including stating they will request a drivers license suspension against me from the DMV as allowable by law.
The following inquiry has been added to my credit report and I did not authorize it. I would like it deleted from my credit file. 

XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
I am a renter in a condo complex. Starting around XX/XX/XXXX there was some kind of back up in the main pipe line under the building. After my owners plumbers could not fix the issue from my side of the unit it was eventually fixed by my adjacent neighbor 's plumber 's company in his own unit. Since all four units connect to this one main line both plumbers established no one could be made at fault, due to the fact it would always back up where all these pipes meet. To my knowledge that was the last of the incident. 

Around four months later on XX/XX/XXXX I get a call from Stuart-Lippman and Associates saying that I owe XXXX XXXX over {$3000.00} due to this event. They brought up the fact that I didnt have renters insurance at the time, but knowing the insurance industry I know that renters insurance only covers personal property anyways. It has nothing to do with another persons dwelling unless you are purposefully caused damage. My main issues are being that they seem to be violating multiple FDCPA violations. 

First off, I have never seen any written proof of this debt [ 15 USC 1692g ] 809 ( a ). XXXX XXXX has never even contacted me about this issue, so to me it looks like they are trying to collect on a debt that they know isnt valid. The second issue is that they refuse to validate the debt. The incident was never determined to be at my fault, not even XXXX XXXX contacted to me to establish a liability issue. Yet Stuart-Lippmann keeps telling me it was my fault for the incident and that I need to pay them which makes me think they are lying. When asking them to verify this debt the collector simply ignored me and tells me thats not what I heard, and they still are trying to collect [ 15 USC 1692g ] 809 ( b ). Basically they are trying to collect on a debt they have not verified, and refuse to verify. 

The collectors information : Stuart-Lippman and Associates ( XXXX ) XXXX XXXX, Arizona XXXX
This is a multiple issue report on Greentree Servicing. Greentree purchased my personal loan from XXXX ( despite me paying XXXX every month ) and has been terrible ever since. The XXXX call I ever received from them was a threat to go to court, despite having never heard of them or being aware that XXXX had sold my loan to them. Past issues with them include them directly lying to me about filing for a deferment that they suggested because I was short on work that XX/XX/XXXX so they said they would give me a deferment and I would n't have to make a payment in XX/XX/XXXX ( this was request was never even filed by the representative ) and recently filing one for two months, and telling me that it was for two months, but it only being approved for one month and no communication of the arrangement being changed until they began calling me asking for the payment that I was n't supposed to have to make. They call every couple of hours from XXXX different numbers ( XXXX in XXXX, XXXX in XXXX ) within ten to twenty minutes of the other call. This company is terrible at working with borrowers and make you feel threatened and belittled at any chance.
I have not received a statement by mail or email notifications from HH GREG store credit card since the company went out of business. When I contacted customer service they refused to look into the issue and when I asked to speak to a supervisor I was hung up on twice. One representative advised I would have to login to see statements however the website does not allow this per the attached screenshot