WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I moved into a student apartment 9 months after the lease and I failed to get an inspection. Seven weeks, we were all kicked out. We were told if we left immediately that it would n't be on our credit record no would we incur any expenses. Just to note they kicked us out after the check for rent was cashed. 
There was a large repair bill and it was split three ways by management. XXXX roommate ( XXXX ) paid her share. We negotiated a reduced fee, and paid my share. The XXXX, never paid her share and they are going after us/me for the remaining balance. 
I have call and spoke to me, harassed me, disagreed with me, I have given them the contact info on the third person and when they ca n't reach her ( she ignore them ) they come back and harass me. The call at my home, my work, I recently sent them a certified letter with proof of payment and they sent back a letter saying they need proof.-Already sent. I have looked up the info on XXXX and they constantly get complaints. After a while they have a different person from their organization take over my " case '' and the harassment starts over. When we paid the debt they refused to give us written confirmation. We did however pay for it with my father 's credit card. The name of the company is NATIONAL CREDIT SYSTEMS of Georgia, the Harasser is XXXX XXXX XXXX, I also sent to the President and the Collection manager XXXX XXXX by registered mail on XXXX/XXXX/XXXX. 
The bill was paid on -in full- for my portion on XXXX/XXXX/XXXX -- whereby we gave XXXX XXXX my dad 's credit card number and paid {$750.00}. 
As I said we recently received another piece of mail from XXXX XXXX XXXX and they said there is n't sufficient evidence to validate my claim. I would think a credit card statement to the to National Credit Systems would be proof enough. In addition, we started keeping records of the calls and documenting them and outlined that in the certified letter. 
How do we stop this? it has been paid, they are continuing to harass me and I feel a XXXX on this matter. It was n't my mess, I should n't have paid anything, They should have cashed my rent check and then kicked me out the next day. But they did and now I am being harassed so much I am sick over this. 
I did all the right things. Make this stop- they are criminal in the tactics and their efforts to get money
In XXXX I failed to pay a debt with XXXX XXXX XXXX, XXXX. ; in XXXX it was shown as a charge off on my credit report for the amount of {$590.00}. On XX/XX/XXXX, I received a Notice of Summons from XXXX XXXX, XXXX successor in interest to XXXX XXXX XXXX, XXXX. c/o XXXX and XXXX, XXXX. Unaware of my rights, I answered the judgement within the required 30 days. On XX/XX/XXXX I received a payment plan from XXXX XXXX, XXXX, but the logo at the top of the " Proposed Judgement '', was from XXXX XXXX XXXX, XXXX Attorneys. I signed and returned the judgement on XX/XX/XXXX and the agreement for {$70.00} a month payment plan was made. I paid {$70.00} on XX/XX/XXXX and another {$70.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX , XXXX, informing me that XXXX XXXX XXXX , XXXX, who handles accounts for XXXX XXXX, XXXX is closing as of XX/XX/XXXX and my account is being transferred to their law firm for future handling and I should send future payments to the address given. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX , XXXX stating that I owe {$560.00}. I sent a certified letter to them explaining that I had already started a payment plan and was paying down the account ; therefore I should not owe the stated amount. They continue to harass me for the above amount although I had already had already made payments toward the original amount owed. 

Thank you
XXXX XXXX XXXX XXXX, XXXX XXXX, Said, That they would be delivering Papers to My Job Or Home, Calling from This Number XXXX, Calling by Married Name, Have n't Used in 19yrs Cursing at me, And Threatening Me.
I have been in the modification process with CitiMortgage for the last 2 years. I am consistently denied a modification. My last XXXX denials were because of unverifiable income. I work on the books, get a paystub and XXXX and my job deposits my money in my account every month. I get rental income, that is also deposited in my account every month. I submit any and all documents that were requested. I even forced my tenants to sign a lease because the banks said that I HAD to have a leases, though I did not want XXXX. I do not understand why my modification request is being denied. I make {$66000.00} a year plus have {$16000.00} in rental income. I filed bankrupcy and it was discharged in XXXX 2015, so I do not have any other revolving debt other than my student loans. My mortgage balance is {$390000.00}. I need help in determining why they are allowed to do this. I provide everything in a timely manner.
I took a {$1200.00} internet loan out in XX/XX/XXXX and was set up on 8 month installment loan and when the date became due I called Cash Net USA back to advise my medical conditions going and would not be able to pay. Was told it was okay and they would work something out with me, instead they went into my bank account and withdrew the funds causing a major overdraft on my account so I stopped pay on all payment and ach withdraws. Since that happen Cash Net USA has called me every day XXXX times a day and now they are calling my references and on XX/XX/XXXX they called my son phone and left a message that his name was XXXX XXXX, Legal Counsel and he will come by house on Tuesday, XX/XX/XXXX with court papers claim # XXXX and if I wanted to stop him I would need to call him at XXXX XXXX, and to consider myself as being served. XXXX d/b/a Cash Net USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX and my account number is XXXX
I satisfied my mortgage on lots numbers XXXX and XXXX in XXXX 2012. I received my property tax bills every quarter and always paid on time. Last week I received a Summons and Complaint from XXXX XXXX XXXX   XXXX stating that there is a tax lien on lot XXXX and will begin foreclosure proceedings. I was absolutely shocked not knowing why this occurred since I always paid my taxes. I called Citimortgage and was told that in 2012 a satisfaction of mortgage was sent to the XXXX Register 's Office for lot XXXX but not for lot XXXX which is a smaller lot. I never received any notification of an issue with lot XXXX either by mail or phone-my first notification was a Summons and Complaint and a Tax Lien!!!. I spoke with the Attorney representing the bank and paid off the tax lien immediately so as not to have any FURTHER PROBLEMS.I now am requesting the satisfaction of mortgage document on lot XXXX from Citimortgage as well as compensation to the tax penalties and legal fees
I have been a victim of Transunion inquiries issue that they had. I have over 55 inquiries that are not mine. I have provided all the information needed.
Nationstar Mortgage failed to respond to my Qualified Written Request sent XX/XX/XXXX within the required period of time. 

Nationstar Mortgage failed to credit all of my payments on my mortgage after Nationstar acquired mortgage servicing rights from XXXX XXXX XXXX in XX/XX/XXXX, despite repeated requests to do so. 

Nationstar Mortgage has not cooperated in my attempt to refinance my loan through the HAMP program.
I have been sending dispute letters to trans union, XXXX, XXXX and im on my 3rd round with XXXX. Ive started my disputes as of XX/XX/XXXX and as of XX/XX/XXXX. 

XXXX  XXXX XXXX  {$560.00}, XXXX {$1300.00}, XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$8700.00}. 

I have sent proof of verification, validations, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. XXXX  and XXXX seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking.
I noticed on my Experian report that there is an address showing as mine that I have never used. I went online to try to have this inaccurate information deleted only to find I was denied the right to do so. Now I am getting an error when I attempt to dispute it.
Ocwen Loan Servicing illegally reported me as deliquent or has lied to you about reporting me deliquent to hold hostage my insurance, they have violated my privacy under Gramm-Leach-Bliley by not safeguarding my private information, based under GLB Under the Safeguards Rule, financial institutions must protect the consumer information they collect. They are in clear violation and I intent to file a lawsuit and request a fine be imposed on them to the fullest extent of the law. They are also actively practicing unfair Deceptive and Abusive Acts in violation of 940 CMR 8.0
I was only refinancing my home and XXXX acers and when it was said and done the mortgage company had gotten the title to my farm and tied all of my land up. My mortgage is with embrace home loans out of XXXX, NC
Wells Fargo furnished inaccurate and damaging information to multiple credit bureaus. Their action has caused our family to be denied credit in a recent attempt to secure an auto loan. Wells Fargo stated we were late on a mortgage payment when the loan was paid off in full. They were fully aware that we were refinancing and provided a payoff letter including final balance and payoff date, then turned around and sent derogatory information out about us. We always paid the mortgage on time and in many cases paid in additional amounts. Please help.
X/XX/17 - ACH Payment made thru XXXX XXXX for rent payments in the amount of {$200.00} and {$43.00} X/XX/17 - XXXX XXXX account shows payment applied. X/XX/17 - KeyBank available balance reduced by {$200.00} and {$43.00}, however transactions DO NOT appear, funds are simply " removed '' X/X/17  - Keybank available balance increased by {$200.00} and {$43.00} X/X/17 - XXXX XXXX receives returned funds and charges my account with 2 {$20.00} NSF Fees X/X/17 - Keybank claims account NEVER was reduced by {$200.00} and {$43.00} - no attempts to ACH ANY funds were ever made by XXXX. Claims I am incorrect and funds were NEVER removed.
X/X/17 - Attempt # 2 - {$200.00} ACH Payment made thru XXXX XXXX for rent payment in the amount of {$200.00} X/X/17 - XXXX XXXX  account shows payment applied. X/X/17 - Keybank available balance reduced by {$200.00} - however transaction DOES NOT appear, funds are simply " removed '' - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$200.00} - {$200.00} ACH has once again been returned to account, Keybank claims no funds were ever removed from XXXX and balance on my account has been {$200.00} since X/X/17 - yet everyday I checked from X/X/17 thru X/X/17 - Available balance had the {$200.00} payment removed - no transaction showing as to who was holding it - and XXXX to charge another {$20.00} NSF Fee
X/XX/2017 XXXX XXXX XXXX sent a couple of bills to credit Credit management Company located at XXXX XXXX XXXX XXXX Pa XXXX ( XXXX ) XXXX. 
I disputed The debt collection due to XXXX XXXX never submitting claims to both of my medical insurance with XXXX XXXX and XXXX. They removed them from collections in XX/XX/XXXX and sent to be paid. Once again they sent straight to collections without even a phone call or letter for me to dispute or even set up a payment plan. I noticed it still shows the original date of collections filed XXXX XXXX/2017. But that was canceled and removed so the bills can be sent for processing. Once completed with the claims processing and payment to XXXX XXXX this would start over from XX/XX/XXXX as month 1. I contacted XXXX and once again claim it filed. I keep being advised from management co the original creditor have to remove from collections and was responsible to advise of the collection. I have not received anything from either parties after claims were submitted in XXXX 2017. 
Shows a balance of {$420.00} Re filed XXXX XXXX, 2017 not four months ago. This is a fraudulent charge
i have an account being reported as AES/NCT and National Collegiate Trust on my credit report in derogatory status all of my loans are federal student loans and are being paid on time and current. this account reports monthly with a past due balance of XXXX ive called AES and verified that my loans are consolidated and AES has been paid in full prior to consolidation my loans were current. this is preventing me rom buying a home as its reported monthly derogatory and with a past due balance. its also based on the date past the statute of limitations i want it removed from my report i did not take out a loan with nct or national collegiate trust
I reached out to several secure credit card companies to build my credit in XXXX 2016. I made clear that the reason is to build my credit prior to filing bankruptcy in XXXX. All XXXX companies took my deposit and allowed me to make payments and began to build my credit but closed my accounts once I filed. They did not inform me prior to accepting my deposit of this practice of closing my accounts if I file for bankruptcy. I feel scammed because the purpose of starting the cards prior to filing is to be able to show positive credit history prior to filing bankruptcy. My hard earned money used for my deposit and all my on time payment history is gone with even informing me that the accounts were close. I was told when I called to make a payment or use the card. The companies are Discover IT, XXXX, XXXX XXXX. I feel they should have made me aware of this policy prior to accepting my payments and I could have used a company that would allow me to keep the accounts after filing bankruptcy.
I had XXXX IRS tax liens filed in XX/XX/XXXX and XX/XX/XXXX in the amounts of {$130000.00} and {$87000.00}. They were released in XX/XX/XXXX. The were WITHDRAWN XX/XX/XXXX. Equifax began to report a lien of {$13000.00}, as a XXXX lien, in XXXX XXXX. At various times they have reported this non-existent lien twice, duplicated, so a total of XXXX. I have filed 14 disputes since XXXX/XXXX/XXXX. Recently, they changed the {$13000.00} to {$13000.00}, and are reporting it twice. This lien has never existed. Equifax continues to state that they have contacted XXXX County North Carolina and verified these liens. This is a blatant lie. It is not done electronically, they have to send someone there physically to the Superior Court office to pull the records. I have attached the XXXX WITHDRAWALS for the REAL liens, so they should NEVER be reported again. I have attached a letter from the XXXX Superior Court Clerk that clearly states that the XXXX REAL liens are the ONLY liens that were ever filed. There has never ever been any lien filed for {$13000.00} or {$13000.00} or or any other amount than {$130000.00} and {$87000.00}, NEVER, EVER! And the real liens have been WITHDRAWN, in IRS parlance that means it is as if they never existed. 
Please help me to force Equifax to cease and desist reporting ANY IRS tax liens on my credit report. I have disputed their various iterations of this reporting 14 times!! since XX/XX/XXXX. Enough is enough. 
Thank You Sincerely XXXX XXXX
I forwarded an email requesting that such behavior cease. I am also going to send a letter making the same request.
I have attempted to contact XXXX and provided the supporting documentation. 
XXXX Explained that XXXX XXXX has claimed that the information on my credit report is accurate. 
However, it is not accurate, it is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

Below are the details : I had an administrative forbearance as well as a general forbearance granted for federal student loans. It was explained to me by XXXX XXXX that all of my accounts would be updated, to be appear as current. The dates covered are XX/XX/XXXX-XX/XX/XXXX. However, I still see late payments on my credit report. I reached out to XXXX first and sent them the letter from XXXX XXXX stating the forbearance dates to be updated. They did not update my accounts although I disputed. Attached is the letter I sent to them along with the letter from XXXX XXXX By failing to update previously reported information, for XXXX and XX/XX/2017 XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. " This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.
In XX/XX/XXXX I took out a loan with XXXX XXXX. They filed Bankruptcy in XX/XX/XXXX. They apparently sold my loan to XXXX. Now I have been making payments to XXXX XXXX XXXX, XXXX. claiming to act as a Trustee for the XXXX XXXX XXXX XXXX XXXX in Delaware. ( I attach evidence ). Per RESPA, etc., this is a Qualified Written Request ( QWR ) and I would like them to send me an updated statement of all payments made to and received by them to date, as well as any and all information regarding any and all accounts open under my name.
I was laid off work in XX/XX/XXXX. Indiana housing and urban development helped me with my mortgage payments until I returned to work in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX. would have me pay my mortgage payments into an account they called a shadow account. After I would make my payments I would have to call XXXX XXXX at there main office in XXXX XXXX, IN and she would transfer the money from the shadow account to pay my mortgage payment. In XX/XX/XXXX XXXX XXXX XXXX. filed a lawsuit against me for foreclosure and accelerated my mortgage. I was not behind on my payments at that time. When a mortgage is accelerated that makes all payments due at that time. Which means no more monthly payments due. I was not aware of this lawsuit until XX/XX/XXXX when I was advised by Indiana housing and Urban development to call the XXXX XXXX County Court House to schedule a settlement hearing. The court clerk informed me that XXXX XXXX XXXX. had already recieved a default judgement against me and scheduled a sheriff sale of my property. 
I was never notified by the court or served any papers because XXXX XXXX XXXX. used the wrong address for my home. 
I was not behind on my mortgage payments. They were not applying them properly out of the shadow account. XXXX XXXX XXXX. Filed an amended complaint for foreclosure after they had already accelerated my payments making it impossible to be late on a payment after XX/XX/XXXX. In there XX/XX/XXXX amended complaint it says, XXXX had not made a payment since XX/XX/XXXX. This statement is impossible since they had accelerated my mortgage. 
Going back to XX/XX/XXXX. XXXX XXXX XXXX. has reported on my credit report that it transferred my account to a different office. My credit report shows that it was transferred to a different account. My credit report also shows that they were still making payments on my original account for all of XX/XX/XXXX and my new account was showing that I had made no payments. Because of XXXX XXXX XXXX. making these improper payments my credit history is horrible and I have now lost my home due to foreclosure. They had breached our contract when they started a new account and have stolen my home and securities. 

My name is : XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/ 2016, there were 6 unauthorized credit checks done on my report. 1. XXXX XXXX-twice 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX. 5.XXXX XXXX ... .. I test drove a Truck at XXXX XXXX 's XXXX XXXX in XXXX, NC. and brought the truck back and told them I had changed my mind and left.I later discovered thru XXXX XXXX, that they had pulled 6 hard inquiries.
This complaint is against the company Montgomery Ward which has extended tome a line of credit with a fixed payment amount. At the time of the problem my payment to them was XXXX dollars a month minimum. 

The basis of my complaint is that beginning on XX/XX/XXXX I was informed on the Montgomery Ward website that I owed them nothing. The payment amount which showed on the payment screen showed XXXX and the balance on the account was also XXXX. 

i checked this many times between then and today ( XX/XX/2017. Every time I logged on to my account i got the same information. 

They have tried insinuated but never clearly stated that this was a different account. Yet, it includes current information. 

Until I too my credit and debit card information off the account it had them posted even with updated information of recent changes to these cards. 

Please refer to support documents which verify the facts in this complaint. 

I will admit that the account numbers on the account did not match the ones on my bill which was sent in the mail. However, both accounts had the same information associated with them. 

The fact is that if the website says I owe nothing then I feel that I do not owe them anything. 

At this point I do not feel confident in allowing this company access to any of my personal information. They already have access to good portion of it. 

I have had to change bank accounts to avoid them having any of my banking information. 

This only a brief explanation of my complaint. I have provided a more detailed explanation with the support documents which accompany this complaint. 

Out of courtesy, i did send a letter to Montgomery Ward explaining my complaint. I never got a response on the letter nor even an acknowledgement of this problem. The letter I sent them is also included with the support documents.
I recently looked at my credit reports and noticed that XXXX XXXX  XXXX reported negative marks Paid, was past due 30 days on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve
This debt was settled with a debt consolidation with XXXX in XX/XX/XXXX-XX/XX/XXXX. Midland Fund has been notified via multiple attempts to clear this collection from my credit reports. Midland Fund continues to harass me with collection notices. The continued collection status has effected me financially with low credit scores, and the inability to refinance my home at a lower interest rate.