WillisBack/dataset-financial-user-claim huggingface dataset:
My credit reports are showing a {$1600.00} balance from XXXX XXXX XXXX owed to XXXX XXXX in the public records section. The filing dates listed on the record vary between bureaus. Equifax lists the filing date as XXXX XXXX, 2014 while XXXX lists the filing date as XXXX XXXX, 2014. <P/>Aside from the varying dates listed, I do not understand why this judgment is showing up in its current state. Under O.C.G.A. 44-7-52., : ( a ) Except as provided in subsection ( c ) of this Code section, in an action for nonpayment of rent, the tenant shall be allowed to tender to the landlord, within seven days of the day the tenant was served with the summons pursuant to Code Section 44-7-51, all rents allegedly owed plus the cost of the dispossessory warrant. *Such a tender shall be a complete defense to the action ; * provided, however, that a landlord is required to accept such a tender from any individual tenant after the issuance of a dispossessory summons only once in any 12 month period. <P/>In this case, my former landlord did file a dispossessory against me, but it never proceeded to eviction. After our court appearance, the landlord and I actually made amends. He would corroborate this information. <P/>My landlord agreed to let me out of my lease, I tendered the outstanding rent + court costs, and even ended up receiving a check *back* from the landlord from the deposit I paid before moving in. I also believe his new tenants moved in the day after I was gone. In fact, a few months later we met again regarding me doing some XXXX and XXXX XXXX work for one of his other companies ( XXXX XXXX XXXX ). <P/>Judging by the appearance of this record on my credit reports, it looks like I skipped out on paying my landlord which is not the case. On the reports, there are XXXX bullets for which nothing is listed. Those are : Date Verified Status Date Satisfied I am sure the bureaus scoring algorithm is proprietary, but my credit scores are not my main concern. Due to the blanks next to the aforementioned bullets, the appearance to potential future *employers*, landlords, creditors, or lenders is that this debt was never paid.
I took a payday loan for {$400.00} with North Cash on XXXX/XXXX/XXXX. They took the first payment on XXXX/XXXX/XXXX for the amount of {$95.00} and after that, they 've been taking {$55.00} weekly for 10 weeks. I called today XXXX/XXXX/XXXX to ask for a pay off amount and they told me I owe {$430.00} so I asked why if the loan was only {$400.00} and she responded that all the money they been taking out of my account was interest.
Hillcrest Davidson and Associates representative names XXXX was put on the phone to discuss a debt issue with me, he demanded payment immediately otherwise he will damage my credit. I tried to explain the situation that this XXXX account is for business and my boss is the one who is responsible for this and I was proactive with XXXX and get all written notice to XXXX within the timely fashion but the XXXX XXXX XXXX company decided to send to collection anyway. After trying to explain to XXXX, he was rudely refused to wait, and threatening to damage my credit if I am not giving him payment, then I asked them for the amount owed and telling him that I will tell my former boss to send payment, and that still does n't make him satisfied unless I pay him right away. Then I told him that according to FTC, and consumer right to request a written statement mail to my mailing address which I offered to give XXXX but he refused to give me any statement, and hung up the phone. I called him back couple times after, and verbally requested a letter with his firm and amount owed so I can forward to my former boss. XXXX again refused to give me anything. I told him that I am not trying to avoid the payment but I need to contact XXXX and local installer to get to the bottom of this but XXXX did not want to hear anything or give me anytime to gather all of my documents. The way XXXX talked to me was rude, unprofessional and unethical.
I have paid extra on my loan each month. This month my statement says I have an additional balance due of {$6800.00}.
I called Fedloan Servicing to inquire about another income-driven loan that would lower my interest repayment from 15 % to 10 %. The service rep helped me determine which box to check on my update application. In my inquiry I asked how my account would change and the only thing conveyed to me was my payment would decrease. After a few weeks I notice my credit score dropped. I XXXX the balance of my loans had increased significantly. I called Fedloan Servicing to find out why. They said it was due to switching plans. I became upset because I was never made aware my loan would increase by changing to a new plan.
On XX/XX/18 an alert appeared on my credit file with a collection in the amount of {$5000.00}. I immediately called Amsher as I didn't recognize the debt. I had not received any notice of a debt before it being submitted to the credit agencies. When I reached someone at the company, I was told that the debt was a business debt, and was transferred to their business department. I was told it was a debt from a company I worked for. I explained that the company debt was not my own, and was immediately transferred to a man who stated he was the CEO. 

I asked why I never received a letter about a debt, and how they determined that I was liable for the corporate account? He stated that they are not obligated to send letters nor verify who is responsible. I then asked for his mailing address so that I could send my request in writing. He goes on to say that I needed to " care about my money, I'm responsible, I needed to be quiet and let him speak '' and so on. He also stated that he wanted to make me an offer to settle the debt for approximately {$3000.00}, even though I told him the account did not belong to me, which the company was already well aware. 

Very upset, I kept insisting on his name and address for about 10 minutes. He then started to belittle me stating that " let me pull up XXXX and show you how easy it is to get our address ''. The inappropriate exchange was at least 15 minutes before he finally gave me the address so that I could submit my request for a debt letter and verification in writing. I then hung up. 

All of this because I never received a debt letter so that I could verify the debt and dispute as necessary. When I attempted to dispute with the credit bureaus, Amsher still refused to research the account, even though I submitted my final bill from XXXX showing that I didn't owe the debt. They also called other employees of the company stating that I owed this debt. This company is a scam who is only in the business to force anyone to pay a debt ( which they purchased ), even if not legally obligated to do so.
EARLY WARNING SERVICES INQUIRIES ON MY CREDIT REPORT IN THE AMOUNT 0F : $  XXXX . XX/XX/2017
I am writing this complaint due to Equifax not responding to my request to have credit inquires removed due to them not being authorized inquires. I did not authorized numerous inquries that are showing on my credit report and I have disputed them numerous times via phone and mail. I get the same generated response a few days later. Which further tells me that they have not verified these inquires and keep sending me a generic response. I have just submitted another dispute and if this CFPB complaint does not work, I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someones credit is for a firm offer of credit, insurance, employment or court order.   The inquires are as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX  - XXXX   XXXX ,  XXXX   XXXX   XXXX  - XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   -  XXXX   XXXX ,  XXXX   XXXX  -  XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX
I have disputed the following with Equifax several times with no outcome and I do not know what else to do.       XXXX   XXXX   XXXX   #  XXXX  - Unknown and not mine, remove  XXXX   XXXX   XXXX   XXXX  - Outdated and past the statute remove
We applied for a loan modification from Selene Finance after our mortgage was sold to them from XXXX XXXX XXXX. We timely made all 6 of the payments requested as contracted for during the trial modification period through XX/XX/2017. The amount that they put on the contract for modification included thousands of dollars of ridiculous fees but we agreed to it anyway just to get the loan modified. They sent us paperwork to finalize the modification which we signed and returned. They have now failed to send us fully executed modification documents. They have told us they would be coming. I will not pay the mortgage into the suspense account void that continues to incur bogus fees until I have the modification documents. We have been requesting them for 2 months. They are telling us to pay back due payments and it is not the deal that was agreed on. Now they are sending an intent to accelerate and foreclose. This is the same thing we went through last year. Now rates have increased and we believe that the Bank is trying to renegotiate their loan modification to increase the rate. I have all of the paperwork. I think they are crooks with terrible customer service.
The mortgage company that handles my home loan ( PennyMac ), is not reporting my account status correctly to any of the credit bureaus. I filed for CHAPTER XXXX BANKRUPTCY in XX/XX/2016. During the process, my attorney and I requested a reaffirmation agreement from PennyMac. They never responded and never requested one be filed. They continued to send monthly billing statements as per usual, so no problem was ever realized. Only after my bankruptcy was discharged, did I come to find out, that PennyMac now reports my loan and " DEROGATORY/CLOSED ''. Both myself and my attorney have reached out to PennyMac, with no positive outcome to come from the communication. I have continued to make my monthly mortgage payments on time. My account is and has been paid up to date.
Loan was originated on XX/XX/XXXX. Ally Bank was underwriting my loan. I was told i had to pay off my personal debt in order to get a better rate of 4.375 % provided all personal financial statements, income, Social security numbers, pay stubs, proof of funds, paid off my debt in the amount of XXXX in order to get the 4.375 % rate approved. the rate was approved by Ally Bank on XX/XX/XXXX. I have supporting Loan disclosures and numerous emails and signed documents from Ally Bank. I am scheduled to close on XX/XX/XXXX. my 4.375 % interest rate is locked in until XX/XX/2018. i get a phone call from Ally Bank on XX/XX/XXXX that they made a mistake in underwriting and i don't qualify for the 4.375 % rate. the new rate is 4.75 %. my credit is excellent, the home appraised for more than the loan. Now i am in jepoardy of defaulting on my contract of sale and could lose my deposit on the purchase of my new home. now the bank is not responding to repeated requests to remedy this situation. how do i sue Ally bank for the cost associated with this?
National Credit Adjusters ~ XXXX XXXX ( XXXX XXXX XXXX contacted my employer advising that there is a serious personal matter that needed resolution.
I wanted to know how my BK chp XXXX was reported and who reported it OR who verified my BK. I wrote each bureau, the BK court and submitted a dispute. The BK court verified with me in a letter that they did not submit the BK info to ANY bureau. I do understand that this is public information but I want to know WHO verified my BK and WHO reported my BK to each bureau. All each bureau will tell me is the information is correct. Well it isn't. I received a letter from XXXX that stated, " A change was made to the Item based on your dispute ''. The court type was missing. So without a Court Type and reporting, wasn't this erroneous reporting? There is also one account on my report that is 13 years old that I have requested to be removed. It was included in the BK but not removed. My main complaint is : tell me WHO verified my bankruptcy and WHO reported it. Why was the Court Type not listed on my BK? Why is there an account still showing on my report, and is still showing in bankruptcy? My bankruptcy is over 8 years old. This communication with me and the bureau 's has been going on for 2 months and I have yet to receive an answer. My request is to have the BK removed as it has been over 8 years. After my research, nothing I have found states that a BK WILL stay on the bureau 's for 10 years. Everything I'm finding states the BK MAY/CAN stay on the bureau 's for up to 10 years. Where is the break? I think 8+ years is long enough. I have proven my new credit options with timely repayment and with no definitive answer from the bureau 's, incorrect reporting with the court type, I'm asking for the BK Chp XXXX to be removed from all three bureau 's. Please let me know should you need copies of the letters or additional information. 

XXXX XXXX XXXX XXXX
I have several collection accounts with this agency and it should be from XX/XX/XXXX. However it was reaged to XX/XX/XXXX ... When the creditor took it over. This account has been illegally reaged.
I recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me a service that I agreed to pay them for
I just received the results of a dispute I had put in withXX/XX/XXXX credit reporting agency. The most recent report number is XXXX. XXXX XXXX XXXX XXXX. XX/XX/XXXX ... ..XX/XX/XXXX ..and XX/XX/XXXX do not belong on my credit report. I have uploaded proof that equifax had done there investigation and it was confirmed to remove these accounts off my credit report. However XX/XX/XXXXI feel is not doing a proper investigation because they would have received the same information to remove these account that do not belong on there off my XX/XX/XXXX credit report. Having this wrong information reporting on my experian credit report is causing me a hardship. I have been disputing these accounts for over 6 months now and XX/XX/XXXXwill not remove them. I am submitting this complaint about XX/XX/XXXXbecause they are not correcting and deleting these accounts off my credit report. I also tried to re-dispute these accounts again online and XX/XX/XXXXwill not allow me to do so. This is my right to have correct information reporting on my credit report.
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. 
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. 
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. I called Navient about the payment and submitted over the phone. 
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. I am now filing a complaint because m loan has grown by nearly {$200.00} in value which would have been avoided if the payments have been processed.
My debt with XXXX/Clark County Collected was originally {$2600.00} but was settled for {$1900.00} through my representatives at XXXX XXXX XXXX. My final payment for this account was posted on XXXX/XXXX/16. As of XXXX/XXXX/16 Clark County Collections is reporting a balance on my account for {$660.00}. That is the exact difference between the original debt and the settlement amount. This company is incorrectly representing the debt on my credit report by showing a balance due when the account should be paid in full.
Pay Pal Credit, formerly Pay Me Later, is somewhat of a scam which uses unfair lending practices and excessive rates and penalties on EBay customers. 
I am an longtime EBay vendor/buyer who had a Pay Me Later account, which was supposed to be closed. Their virtual option button comes available on most EBay purchases, and was somehow activated on several purchases earlier this year, of which I was unaware. The charges were hidden until I began to receive late notices, and finally was able to track them down. After numerous calls to EBay and Pay Pal, I determined the situation and sent them the payment. They continue to add late payments upon late payments for the past 4 months, in spite of my attempts at reconciliation. 
All of the present charges of around {$200.00} are stemming from an original late charge of around {$30.00}, which is added monthly, regardless. 
This is unethical, in view of the fact I reimbursed them the original purchase amount of around {$130.00}, months ago. I refuse to pay late charges of a greater amount than the purchase price, which have accrued in only 4 months, and continue. 
This is extortion and has to be against US fair lending laws. 
I demant they cease and desist, and have put that in writing and phone calls/emails. 
There are so many complaints about PayPal it is ridiculous. 
Who protects the XXXX XXXX from thieves like this organization?
My complaint is about XXXX XXXX collecting for XXXX XXXX on a XXXX credit card. 

During a period of financial difficulties, I got behind on my small debt with XXXX through XXXX XXXX. They have since started charging me a huge fee each month such that I will have difficulty ever bringing this account current even though I make a payment each month. 

XXXX XXXX calls me almost every day up to sometimes 8-10 times, including on Sundays. 

I have tried to make settlement with them but since most of their people do n't speak plain English it is impossible to deal with them. Even if you call XXXX XXXX itself, you still get connected with someone who does not speak clear English. 

If they want to call one time per day I can accept that but I am sick of the Sunday calls. 

This company should be shut down for its many violations of the federal debt collection laws. 

They call me both at work and on my personal cell phone.
I have a RUSHCARD through XXXX. I dont have acess to my paycheck. My paycheck waa supposed to go on the card. I can not even get throught to RUSHCARD to have them reverse my money back to my employer to get a papercheck. I just got married and because my paycheck didnt get added to my card oN RUSHCARD end. I lost a weeks pay plus couldnt have a honey moon! Im not happy. I need that momey to live. Just like everyone else who they did this too. I 'm hoping you can help me. I need my paycheck.i 'm canceling this card once I can get through to a person. Can get through to either it rings and hangs up. Or just hangs up. Ive been without pay simce XXXX XXXX. Please help me get justoce against this RUSHCARD!!
Subject : Greentree Servicing extending processing, not evaluating documents properly. Homeowner submitted RMA requesting modification result from medical hardship and filing bankruptcy. Homeowner was denied a MHA loan modification. Homeowner filed all required court documents and to pay mortgage payment separately. Homeowner has a current medical hardship with spouse. Homeowner has an aggravated medical hardship with a family member with XXXX. Greentree failed to take the medical hardships into account. 

Greentree has begun a double tracking and set the date of foreclosure sale, for XX/XX/XXXX. Greentree is in violation of the DOJ Department of Justice/ XXXX States Attorney Generals Settlement Agreement. 

Homeowner is being discriminated against in a form of reverse discrimination because of age, race and medical hardships '. 


This homeowner, feels that his case has been unfairly treated for the following reasons:1. No active single point of contact, constantly changing, when calls made to the single point of contact, routine routed to the collection department, never the same contact person. 
2. No single point of contact has been assigned. 
3. Homeowner thought that the mortgage payment was included in the trustee payment. 
4. Greentree did not inform the homeowner of his modification options under the MHA Making Home Affordable guidelines. 
5. Homeowner and Authorized 3rd Party has made numerous calls ( XXXX ) inquiring on status of his loan modification application, calls were routed to next available agent, comments were : A ) wrongfully advised that documents were not submitted, or lostB ) documents were submitted by homeowner but not located in the data base, orC ) resubmit your documents again. 
D ) the foreclosure date is set and homeowner is responsible for not providing the requested documents : these XXXX points are causing a state of confusion and terror to the homeowners household. 
XXXX. Greentree started the double tracking procedure with XXXX XXXX XXXX XXXX on XX/XX/XXXX. Greentree was aware of the loan modification in process, and moved forward with the double tracking anyway. This is a clear violation under the National Mortgage Settlement Agreement ; specifically double tracking while homeowner provided all documents under good faith to protect their home from foreclosure. 
Homeowner is claiming mortgage processing discrimination in delaying processing : by overloading Greentree processing agents with a case work load of XXXX+ cases as per one agent 's statement. These overload cases are causing a form of mortgage discrimination against homeowners, thus losing their homes to an inability of the Loss Mitigation department to properly manage the existing case load. 

Alleged violations, included, but are not limited to, the following : a ) Failing to perform proper loan modification processing ; b ) Failing to manage processing agents and special points of contacts, therefore causing a processing center unable to handle homeowners case loads, a form of mortgage discrimination against homeowners.
I work XXXX in XXXX New York XXXX. With the new credit card readers, customers of XXXX Bank and First Niagara often find it confusing to use their bank/ATM card. XXXXFirst Niagara charges a fee to use a bank card as a debit card, but when a customer swipes their card, XXXX options appear, XXXX XXXX and XXXX XXXX. Customers naturally choose the XXXX XXXX option but find that at that point in the transaction, they can not use their cards a credit, and have to use them as a debit card and pay a fee. While many customers reverse course and hit the international XXXX option so the cay pay for their groceries without having to pay the bank a fee, many customers presumably in a hurry or just frustrated and confused, decide not to bother with swiping their card again and just choose to use the card as a debit and pay the bank a fee. Customers who do cancel their transactions and start over complain about this set up and often ask me " Why do I have hit international XXXX just to use credit, I am from the XXXX, that makes no sense ''. They say they have complained to their banks, to no avail, with the banks citing the stores card readers at fault, but they are the only bank 's whose card works like that, and customer have complained about similar experiences happening at other stores. I believe that First Niagara and XXXX intentionally set up their debit cards to work like this, so that they could confuse customers who otherwise would have not entered their pin and avoided the fee. If so they are defrauding consumers and engaging in a manipulative tactic in order to squeeze money out of people.