WillisBack/dataset-financial-user-claim huggingface dataset:
This is a landlord issue that has ended up on my credit report that I have been unable to remove or negotiate. 
I lived in the apartment for 2 years. I notified them that I was moving and why I was moving. They claimed I did n't give them proper notice and that I owed them a full month of rent because I moved out on XXXX XXXX. They stated that my rental contract tied me to that full amount. In XXXX of that year, they provided me incorrect information stating that on XXXX XXXX I was on a month to month contract so I did n't believe I was under contract at that time. Either way, I offered them the money from XXXX XXXX ( covering 3 days past my move out date ). The reasons I moved it which they were fully aware of was that I had a drug dealer living above me and the conditions were atrocious and I had a XXXX XXXX XXXX living with me. There were assaults, abuse, drug deals, etc. The entire building had been involved with alerting the office at least once to twice a month. Nothing was done. They stated " its hard to evict someone '' but its apparently not hard to try to collect a debt from someone because they sent this to collection instantly after I moved out. I guess it would have been more difficult to evict me than it would be for me to move out with notice and complaint. They have placed the full amount of the debt they state I owe on my credit report and have told me this will prevent me from getting credit in the future ( and it has ). Its not fair to force someone to pay for something saying the contract was broken even though they broke the contract as well by not providing a safe, drug free environment for ME as a tenant to live in. I do n't get to collect from them for that. I just have to sit back as a single mother and allow them to ruin my credit. I really have no recourse but to pay this debt or just never be able to buy a house or a car. And this is all because I moved out of a dangerous environment without what they call 'proper notice '. I am sure you will see that they were notified and that they also broke their contract. They are slum lords who prey on people just trying to survive.
My payments of {$780.00} are due on the first of every month with Bank of America. My husband I split the payments of {$400.00} each from his XXXX account and my XXXX account. BoA will post one of the payments of {$400.00} but rarely posts the other payment of {$400.00} and places those funds into a Partial Balance account. I have to fight with BoA either with phone calls to which I am on hold for over an hour or via social media for them to credit my payments correctly.
The company tried to collect a debt that did not belong to me. After having no other options I paid it off to get them to stop harassing me and destroying my credit in a deal to delete the information off my account. They did n't do this, and I still paid them the money. I 've sent dozens of disputes trying to resolve this but they fight harder to keep the information on my credit than they did even trying to collect it. I have verification of the original purchased debt showing it does not belong to me.
On XX/XX/XXXX a fraudulent purchase was made on my Bank of America credit card in the amount of {$500.00} at a XXXX grocery store in XXXX MI. At no time were the credit cards ( 2 ) out of my possesion. This charge was also accompanied by 2 fraudulent claims on the same day that were caught by Bank of America and reported to me, where I informed them that it was not me making the purchases. On XX/XX/XXXX when I received my bill, I noticed the charge and immediately reported it to Bank of America fraud department. They removed the charge pending investigation. On XX/XX/XXXX I received a letter informing me that my fraud claim was denied and I was liable for the {$500.00} fraudulent charge. I did not make the charge, nor was I in XXXX on that day. I would not grocery shop that far from home and the presence of 2 other attempted fraudulent charges on the same day should be enough of a red flag to uphold my claim.
On XX/XX/XXXX I requested my credit report and noticed I had a charge off balance of {$530.00} with XXXX XXXX. I contacted ERC which was the company who purchased this debt from XXXX XXXX and they provided me with an installment monthly repayment plan of {$210.00}. I made three payments one was made on XXXX ; the second one was on XX/XX/XXXX, and the last one was made on XX/XX/XXXX.  After this, I received a letter from collection agency stating this debt was paid in full in the amount of {$620.00}. I proceded to send XXXX evidence of the payment in full for this debt and requested them to correct my credit report for this debt to be paid in full. XXXX sent me a letter indicating this account does not appear on my credit report, but it still is being reported as past due and charge off with a balance of {$530.00}. I request your assistance in this matter, since this account is adversely affecting my credit score.
I would like to file a complaint on XXXX XXXX XXXX and Pressler & Pressler XXXX and P & P garnished my wages and won't give me the details or information on the debt. 
On XX/XX/XXXX P & P gave orders to my work place to garnish my wages. 
On XX/XX/XXXX I send an object letter to the XXXX County Court. 
On XX/XX/XXXX I went to court and P & P did not show up they called on the court phone. I asked the court clerk why they did not show up and she said your lucky you got them on the phone. 
When I asked the court what this wage garnishment is the judge asked P & P and they said they said " dont have the details and can't give me any details ''. 
I asked the judge how do I know its mine and she said there is a court order and I said I never got a court order. 
The judge said I can't help you, I only have to follow the law. 
Its looks like P & P and XXXX are up to their old tricks again by not giving me any info on this old debt using flimsy and nonexisting evidence. 
XXXX and P & P violated the fair Debt Collection Practices Act : Made false or empty allegations about consumer debts : Filled against me without sufficient basis Filed lawsuits based on unreliable or false information : Dont have any details on the debt. 
Harassed consumers with unsubstantiated court filings : I did not get any court date when they filed the complaint against me and they won by default.
I had been attending XXXX XXXX XXXX for my XXXX degrees. During that time, their financial aid office handled all transactions with my private loans and federal loans. I have signed documents from these times applying for the federal loans and they dealt with the transfers of my private loans to several parties. During that time I noticed that when they transferred my loans from one private lender to another my loans increased in each by about 20 % -30 %. I do not recollect any documentation of any " interest '' or " fees '' that would state my overall loans would be increased to add on another 20-30 % of my entire loan.
on or around XX/XX/XXXX i applied for a mortgage, and saw 2 new inquiries on my credit report when there is only supposed to be one. one was dated XX/XX/XXXX and the second was dated XX/XX/XXXX. I want 1 of the 2 inquiries from CBCINNOVIS removed from my credit report
I opened a Macys account in 2014 when they promised a discount on all purchases that day. I later found out that they did not discount as they said so only kept this account for a few months. When I received a statement in XX/XX/2015, it said I owed {$66.00}. I paid this on XXXX/XXXX/2015 and asked that my account be closed since I felt I could not trust this company. Today, I received an email saying I owe them {$4.00}. I called Macys this evening and the woman told me they charged an additional {$2.00} after I paid off the account and now they are adding another {$2.00} on the original XXXX. She could not help me stating her manager would call me at some point but she could not say when.
Company/creditor name : Santander ( auto lo an )  The company is incorrectly reporting information. they seem to be re-aging the account. The original open date of the account is   XX/XX/XXXX . Santander is reporting it as  XX/XX/XXXX .    The original date of the last payment was   XX/XX/XXXX . Santander reported it as  XX/XX/XXXX  and later updated it to  XX/XX/XXXX  ( after dispute filed  XX/XX/XXXX  ) This i nformation is only reporting incorrect on my  XXXX   XXXX  report. I filed a dispute with  XXXX   XXXX  on   XX/XX/XXXX  an d Santander updated the account but still has the dates wrong. According to my records and the  XXXX  other reporting agencies this account should have " fallen off '' of my credit report in   XX/XX/XXXX  .
I submitted a complaint about bank of America on this web site in XXXX. My issues were that I was unhappy because they had done a modification on our mortgage in 2009 when we were having trouble through the recession. Instead of offering us a harp modification they extended our mortgage to 40 years so that the payments we slightly lower than before but now we were n't paying hardly anything to the principal but most of our payment went to interest. After I posted on this site back in XXXX, BOA was in contact with me and offered me another 40 year extension!!! This company robs people! We have called our attorney to see what we can do against this company and are going to refinance with a different bank as soon as possible.
XXXX XXXX XXXX XXXX called from above number told me they were charging me with fraud and garnishment my original debt is XXXX and said I will owe XXXX if I dont pay them right now and be charged with fraud. They. Called my work spoke to my supervisor who passed on the voicemail I did notify the lady who identified herself as XXXX XXXX that the call was recorded and I was going to persue this further as her tactics sounded fraudulent and illegal and not to contact me again
On  XXXX   XXXX  of  XXXX   Afni pl aced a debt on my credit report. The amount owed was for {$56.00} from an account that was supposedly opened on  XXXX / XXXX / XXXX . That information is incorrect. The account was not open on that date and they are in fact trying to re-age an old debt. From my understanding,  Afni  is in violation of section  623 ( 5 ) A  of the FCRA. When I contacted the company to advise them of this, they completely ignored my concerns and attempt to send me an old bill as their response. I am filing a complaint because this matters needs to be handled and off my credit report.     Thank you
NATIONSTAR AND ITS ATTORNEYS, OFFICERS OF THE COURT, ARE KNOWINGLY COMMITTING THE IN-PROGRESS CRIMINAL ACT OF GRAND THEFT AGAINST ME AND MY HOME BY USING THE POST-RESCISSION, VOID AND UNENFORCEABLE NOTE AND DEED OF TRUST IN THEIR ILLEGAL NON-JUDICIAL CALIFORNIA FORECLOSURE ON MY HOME OF 26 YEARS!!! 
REGARDING : XXXX year old XXXX XXXX XXXX home of 26 years : XXXX XXXX XXXX ; XXXX XXXX, CA XXXX REFERENCING : Alleged XXXX Loan Number XXXX : Deed of Trust Document Number XXXX recorded on XXXX XXXX, XXXX in XXXX XXXX California REFERENCING : Alleged Nationstar Mortgage LLC Loan Number XXXX Corporate : Assignment of Deed of Trust Document Number XXXX recorded on XXXX XXXX, XXXX in XXXX XXXX California I XXXX XXXX XXXX exercised my right to rescind on XXXX XXXX, XXXX under TILA Section 1635 ( a ), and that rescission was both timely and unchallenged. 
I, XXXX XXXX XXXX, rescinded immediately upon depositing my rescission into the USPS mail on XXXX XXXX, XXXX under TILA statutes immediately rendering the transaction, loan and security instrument void and unenforceable by operation of law and pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). 
See attached XXXX rescission and proof of receipts : XXXX XXXX XXXX, XXXX for XXXX - LETTER of RESCISSION & Proof of XXXX Receipt and XXXX XXXX XXXX, XXXX for XXXX - LETTER of RESCISSION & Proof of XXXX Receipt. 
In the XXXX XXXX, XXXX XXXX decision Justice XXXX, in his Opinion of the Court for a unanimous SUPREME COURT OF THE UNITED STATES decision stated : " The clear import of 1635 ( a ) is that a borrower need only provide written notice to a lender in order to exercise his right to rescind. To the extent 1635 ( b ) alters the traditional process for unwinding such a unilaterally rescinded transaction, this is simply a case in which statutory law modifies common-law practices. '' USC Section 1635 ( b ) clearly states, " When an obligor exercises his right to rescind under subsection ( a ) of this section, he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. '' Nationstar who is in violation of TILA 1635 ( b ) allowed all of its rights to challenge or object to my XXXX XXXX, XXXX rescission to lapse and expire on XXXX XXXX, XXXX by not filing a timely lawsuit within 20 days of the date it received the rescission on XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, 10 days after receiving my rescission Nationstar cancelled its foreclosure. 
See attached XXXX - XXXX, XXXX Cancelled XXXX See attached XXXX XXXX Cancellation of Sale - XXXX On XXXX XXXX, XXXX, 3 MONTHS POST RESICSSION, Nationstar INITIATED ANOTHER FORECLOSURE SALE!!! This is currently postponed until XXXX XXXX, XXXX. 
See attached XXXX NT TRUSTEE SALE. 
It is a basic precept of the law that one can not use, enforce nor foreclose an interest in a null and void contract or security instrument, yet that is exactly what Nationstar is doing TO COMMIT ITS CRIMINAL ACT OF GRAND THEFT!!!!
I have had an account with XXXX ' XXXX  for over a year. I have always paid my monthly account on time. XX/XX/2018, I paid my monthly account of {$120.00} as I always do. I began getting daily, harassing calls from them -constantly, saying that I owe more $ on my account. That by XX/XX/2018, I would have to pay {$200.00}! I asked why and they could not explain to me. I called them several times and asked to send me copies of the last few months of my payments so that I could see what was going on. I felt very suspicious of some " hidden fees '' they were charging me, because it didn't make sense. This account I have with them is 0 interest for 5 years. So as I looked over the statements, there is a column where there are " fees '' charged to the account, for what? I still do not know? I want to know why for 13 months I had been paying {$120.00} on my account, and why it jumped to {$160.00}. for XXXX and to {$200.00} for XX/XX/2018? What are these " fees '' and why wasn't I told about them, instead of being harassed with threatening phone calls?
I have notified Experian on multiple occasion that some one used my personal information to open credit accounts online with XXXX XXXX XXXX XXXX. I have provided the Identity Theft affidavit, proof of resident as well as the police report information. I have also asked that the information be blocked from my credit report in writing. They refuse to investigate or comply with the rights I have been provided under the law for victims of Identity theft.
First, I have XXXX Citi Credit Cards. XXXX was under a debt management program for well over 2 years and was paid off in XXXX of 2016 so its listed as a closed account.One of my XXXX existing cards was set to expire XXXX/XXXX/16 and I received a notice in the mail on XXXX/XXXX/16 ( letter was dated XXXX/XXXX/2016 ) stating they are not going to issue me a new card being that I have an account in a debt management program. I understand they can close the account at anytime they feel, however I have 2 issues with regarding this. 1 ) The excuse that they are using ... If the issue was because of another account that I have with them in a debt management program, then why did they continue to let me use the card for well over 2 years before deciding to close it out. Plus, why did n't Citi inform me of possible consequences because I enrolled in a debt management program on another account. 2 ) I have earned XXXX reward points on my card and was using them only when there was something worth using them on. Based on their items and reward options the point value is XXXX = {$1.00} which means my reward point value is equal to {$6300.00}. Due to the fact they are closing my account out, they have informed me that I will lose my rewards points once the account is listed as closed. I have repeated my issue several times on the phone as well as thru the message portal with very little attempt to resolve the issue of the fact that I would be losing my reward points.
Green Tree. There horrible. XXXX told me, its your parents house, your parents are dead. Get out. Mind you the home is mine. The deed is mine. My parents took our the loan for me. I have paid the loan for 20 years. I was awarded XXXX from the State of Oregon 5 years ago to catch my mortgage up. 

Green Tree. Refused the XXXX. They took my payment every month. You know what kind of things they say. SO we filed a 5 year chapter XXXX. We are still in it. We have a balloon payment coming up. They will not work with us. We will eventually after all we 've been through, lose our home My husband become XXXX 1 year and 3 months after we took out the loan. My daughter became XXXX to and we XXXX! Our life was made even more difficult because of the hateful and vindictive attitude of the employees there and the illegal and underhanded ethics of GT. We are now with Ditech. I cant wait .... Did I mention when I was late once, they said, you should n't have taken your dog to the vet. You should have let her die and buried it in the back yard. Who talks like that? And the insurance they force you to get. That dos'nt pay what they should if you have a claim. To many bad, horrible memories. And my Fathers XXXX XXXX. They would call him every morning at XXXX and kept it up for months. It took months and a lot, lot, lot of calls to get them to call me instead. Persistant, nagging, rude, I had XXXX, Their call have ruined my grand childrens childhood because of the financial XXXX they caused our family. And never would they give us a modification. I tried over and over and could not get one. They took my money but said, not your loan. They even gave me an extension on my parents loans after my folks passed. I was good enough for an extension AFTER I paid them a ton of money. Food money that I could n't spare. then I got the extension but they would not give us a modifation or except the XXXX dollars from the State of Oregon and refuse to ignore our plight with the XXXX balloon payment due 2 years after our bankruptcy. I will get no modification from them. I wonder if they get paid to reposess homes. Why else would they do this. I will not get a chance to keep the loan. I am doomed to move or perhaps become homeless. I am XXXX and I am tired ... Also, I sent them two XXXX dollar XXXX XXXX payments that they said they received. Both of them. And later said I only sent one. XXXX they would find it. Not to worry. I sent them both in. They said they did n't get the receipts or the second payment. It was all recorded on the phone. Put me further behind again. Also they accept the payments from me for the chapter XXXX but still will not give me a modification. I can not refi because it is a manufactured home. at a loss as what to do to stay in our home.
I have no knowledge of AFNI debt and I would like it removed as it 's reporting to the XXXX and negatively affecting me
I have reached out via certified mail to LexisNexis on XX/XX/XXXX and XX/XX/XXXX to dispute that the Bankruptcy Courts for Georgia do not report bankruptcies to credit reporting agencies. I provided a letter from the United States Bankruptcy Court Northern District of Georgia stating this fact.

I have requested that this information be removed from the LexisNexis report that has a bankruptcy showing. I have not receive any response to either of the letters after giving LexisNexis 30 days to investigate after sending each letter. 

If need, I can provide copies of the letters I sent to LexisNexis, the delivery confirmation of the certified letters and a copy of the letter from the United States Bankruptcy Court stating that they do not report bankruptcies to the credit bureaus.
In XX/XX/XXXX, I received a letter from Cooling & Winter Attorneys about a debt that I do not owe them. I responded back to the letter within 30 days as requested. I asked for them to verify the debt and send me all original signed documents. They did not send me any documents with my signature. Instead they sent me a copy of some documents they got from the XXXX County court. The court documents show a total balance of {$2100.00} for all costs but Cooling & Winter document says the balance is {$2600.00}. The fair debt collection practices act says that a creditor must provide me with original documents if I request them. They must verify the debt before attempting to collect the debt. They are also in violation for trying to collect more than the original balance. This debt was disposed XX/XX/XXXX and they are still trying to collect on it.
The number is calling my cell phone number, my brothers number, my parents, husband and my work direct line constantly for the past 2 months. They have also called HR at my work XXXX to try and get them to verify employment by giving my SS #. When asked for caller information, she refused to give it.I refuse to talk with them or verify anything until they state who they are.
My credit report shows a judgement that should have been taken off. It has been close to 8 years and it is still there.
THE BUREAUS # XXXX. I had previously disputed this account. I have never done business with THE BUREAUS-XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I demand THE BUREAUS XXXX provide some paperwork of this account that I have no record of ever doing business with, I received nothing. THE BUREAUS-XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and also your own company management. I also have the right to file suit against you for any future violations of this law.
Equifax is reporting an account with XXXX as a charge off and negative. This account was paid in full and XXXX agreed to delete the account from all credit reporting agencies. The account only remains on my Equifax report. They refuse to delete it.
Previous complaint number XXXX. 

This was the company 's response to my previous complaint : PRA sent its initial notification letter to you on or about XX/XX/2017. PRA has no record of a response or a dispute being received in relation to its initial notification letter. For assistance, please review the resources available at the Federal Trade Commissions website www.identitytheft.gov. 

So they are saying they have no record of a response of a dispute being received, yet on my previous complain I attached 9 pages that show evidence that I responded. And to make it easier and more evident, my responses where handwritten on all the 9 letters they sent me.