WillisBack/dataset-financial-user-claim huggingface dataset:
A death occurred in my apartment while I was away from home for about a week. When i came back it was a month before my movout date but felt early departure was nessisary due to the current circumstances. Upon looking for a new residence to live in, 10 months after i moved out, I am finally notified of the remaining balance owed to my apartment managment. I called my old apartment complex to try and resolve the issue. They insisted that I come by in person and pay the full amount, totaling over {$5000.00}, in cash. I called the collective agency and they informed me that the aprtment complex was legally obligated to resolve this debt through a collector, but they had no documentation of a claim. I myself had to coordinate between the debt collector and apartment to get a claim filed. This took about a week and by the time it was filed my apartment was under new management. I decided to go in person and speak with this new manager. She told me that she was not informed about the situation at all, so we went over my account and she was appauled with how many unnecessary charges were present. Not only did she deduct about {$1000.00} worth of charges, she also told me that the previous managment had never recieved my former roomates social security number and there was no way to contact him or hold him liable for any part of the debt. At this point the consistancy of unprofessional occurrences led me to the believe that this dispute was nessisary. Not only did they try and over charge me AND pocket the money without going through an agency, but the lease was faulty from the beginning, and they knew i would be the only XXXX able to be held liable for any charges upon moving out.
I have disputed this account on many occasions with Equifax, XXXX and XXXX  and each time it comes back as Verified. 
Creditor reports Date of Last Payment XXXX2016 payment history has No Reporting
My loans came due for repayment and I contacted my servicer to consolidate my loans so that I could make one payment to XXXX servicer. Logged in at nslds.ed.gov to get a run down of what I actually owed, $ XXXX completed the necessary application on XXXX/XXXX/2016 with FedLoan Servicing since I already had some of my loans with them. So finally on XXXX/XXXX/2016 they sent me notice that my consolidation was complete and that payment was due. I log in, excited to have it all in one place, and then HORROR! I now owe {$120000.00}. I called them immediately. The customer service representative had little explanation and quickly got me off the phone. While I understand that interest compounds daily on student loans, I do n't think the debt can grow by {$50000.00} in one month. I am not a math genius, but I 'm also not an XXXX. I logged back on to nslds.ed.gov to check what they show and they clearly show {$78000.00}. That sounds more logical. How and what can I do to make this nightmare go away. I already get sick each time I look at this debt but to think that I just got charged for graduate school without attending is a bit sickening.
I moved out of XXXXXXXX XXXX XXXX on XX/XX/18 and took photos of the apartment since no one did a final walkthrough. I paid a XXXX dollar convenience fee for carpet cleaning and thus did not clean carpet. Over a month later i received a bill for carpet replacement with no itemization or photos. I attempted to dispute as well as offered to set up a payment plan. I was refused a payment plan by XXXX XXXX. Apparently this was sent to collections with no notification to me. I attempted to call also collections to figure out payment and was abruptly hung up on. I do not trust this debt collector to take my money as he is highly unprofessional. He has sent no notice no bill and I have no idea how or where to send payment to get this fraudulent charge off my credit. There were no rips tears or stains in carpet
Chase bank did a analysis on my mortgage after they received my home owners insurance, which went from {$690.00} to {$450.00}. They told me I had to much money in my escrow so they sent it back to me. Then they send me a mortgage bill my mortgage has went up, because I did not have enough in my escrow, I called and complain to them. why did you send me money back and then say I do n't have enough escrow. My mortage has went up from {$720.00} to {$720.00}. with a shortage of {$22.00}. I pay the {$22.00} and then they tell me my mortgage will be {$700.00}. After I pay that for one month it went back up to {$720.00}. I called again, why is my mortage going up and down. they claim because I have a shortage of {$22.00} but they after I paid it that it would only be {$700.00} for that month. They also claims my taxes are going to be higher XXXX they evaluated that. Well I received a letter in the mail that the board filed in my favor that my real estate assessment was not correct and that it change from XXXX to XXXX, XXXX making it a difference of XXXX. I want them to stop messing over my mortgage and if everything is going down, so should my mortgage. The person was rude, which was a supervisor and I told her that I was going to file a complaint because they are not doing their job. I am a single parent and I am on a budget, I am not trying to pay a high mortgage if I have the money in my escrow to cover my taxes, they told me it is state law you can only have so much in your escrow, then why have a escrow I can pay my taxes myself if that is the case. They are not taking into consideration non of my discounts.!!!!!!!!!!!!!!!!!!
I was wrongly charged for purchases I did not make. My credit card number was stolen and was used to make purchases in Utah.
I have an account on my credit report XXXX and Equifax from XXXX XXXX XXXX XXXX that was settled in court. As part of the settlement this account was to be removed from my credit report. XXXX  removed the account but XXXX and Equifax will not. I realize this account has little impact on my credit score but it is the principle that counts to me. 

I worked for XXXX XXXX at the time and they filed bankruptcy and I had to take an {$8.00} an hour pay cut with zero notice. My car got repossessed, I almost lost my house and I had to sell many of my possessions to make ends meet. But I never filed bankruptcy, I paid all my Debts. Its been 12 years and it is still impacting my credit. 

Why is it that the people who filed bankruptcy or simply just walked away from their house have better credit than the people who weathered the storm and paid their bills. 

I ask that you please remove this Item from my XXXX and Equifax credit report thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
My actual complaint was not an available option. 

My complaint is against Rushmore Loan Management Services because they refuse to initiate a funding fee repayment. 

My VA XXXX status was pending at the time we closed on the account ; however, I have now been recognized as XXXX by the VA and can now request that my VA funding fee be returned. 

The VA stated plainly that the mortgage company that holds my loan must initiate the repayment through the VA funding fee payment system and that nothing else would change about my loan and that I did not need to provide any documentation to the mortgage company. 

I initially spoke ( XX/XX/2018 ) with XXXX ( ID XXXX ) and later ( XX/XX/2018 ) XXXX ( ID XXXX ) and they are refusing to submit this request and are requesting my XXXX paperwork. 

Rushmore Loan Management purchased my VA loan but is completely ignorant of the VA loan, and is unwilling to assist me in this matter.
I HAVE A BARCLAY XXXX CREDIT CARD. I WENT TO XXXX XXXX GA, WITH A RECEIPT ON XX/XX/2016 TO RETURN FEW ITEMS. CUSTOMER SERVICE OF XXXX TOOK THEM BACK & SAME TIME THEY REFUSED TO RETURN THEM BACK. HENCE, XXXX GAVE A CREDIT MY ACCOUNT FOR {$130.00}, ALSO DEBIT MY ACCOUNT FOR {$130.00} ON XX/XX/2016.I CALLED BARCLAY BANK TO FILE A DISPUTE FOR {$130.00} AS A CUSTOMER ATTEMPT TO RETURN & MERCHANT REFUSE TO TAKE THEM BACK. THIS TRANSACTION CLEARLY SHOWS ON CREDIT CARD STATEMENT OF XX/XX/2016. THIS BANK ISSUED TWO DISPUTE CASE NUMBERS FOR SAME CASE & THEY ARE DBO XXXX, DP XXXX. BARCLAY BANK SENT ME A LETTER, DATED XX/XX/2016 STATING THAT DISPUTE WAS RESOLVED IN MY FAVOR. I RECEIVED ANOTHER LETTER FROM THIS BANK, DATED XX/XX/2016 STATING THAT THEY ARE TAKING BACK A CREDIT OF {$130.00} FROM MY ACCOUNT. THAT MEANS, I HAVE TO PAY {$130.00} TO THIS BANK.THEREFORE BARCLAY BANK NEVER EVER RESOLVED MY DISPUTE FOR $ XXXX.THIS BANK HAS A VERY POOR CUSTOMER SERVICE. I CAN NOT TRUST THIS BANK. THEIR CALL CENTERS ARE OUT OF USA & THEY DO NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER.MAY I REQUEST YOU TO LOOK INTO AFORESAID PROBLEM WITH BARCLAY BANK & TRY TO RESOLVED IT. I WILL APPRECIATE YOUR HELP & CO OPERATION.THANK YOU
I have been receiving threatening phone calls where the person impersonates a warrant officer. She has called my parent 's and brother on their cell phones and impersonated being a warrant officer. She claimed that she served me a warrant over the phone by leaving a voicemail. These calls have occurred daily since XX/XX/XXXX through today ( XX/XX/XXXX ). I've tried to call the numbers back - each time she calls she uses a different number from a different state - when I try to call back the line is " not active ''. I've also received 2 emails, XX/XX/XXXX and today XX/XX/XXXX, that state I will be charged with " Violation of federal banking regulation act 1983 ( C ), Collateral check fraud, and Theft by deception ( ACC ACT 21A ) '' if I don't email back within 24 hours. They don't give a phone number or a company name. The email is signed by : Senior Investigation Officer ( US ), Department-Laws & Enforcement, United States.
Over the past several years, Portfolio Recovery Associates, LLC has been calling me and sending me my personal information ( name, social security number, bank account numbers ) by mail. I have sent two cease and desist letters. I have also made numerous attempts and requests to not be contacted further via phone and email. They have attempted to call me while driving, at work, and at home. They denied receiving any cease and desist letter. I believe that they are trying to get me to send a letter that might re-open their statute of limitations on collecting this alleged debt. The statute of limitations should be over ( the debt originated sometime betweenXX/XX/XXXX-XX/XX/XXXX, as far as I recall. ). I reported this as fraud. It has been removed from all credit reports. The alleged debt amount is unable to be collected otherwise ( IRS, small claims, etc. ) since it is extremely small. I feel I have been harassed for years over a fraudulent claim and an alleged debt that is less than {$200.00}. I will be contacting Consumer Financial Protection Bureau and the California Attorney General 's Office to make a formal complaint and ask for an investigation as to whether Porfolio Recovery Associates, LLC is abiding by The Fair Debt Collection Practices Act. Thank you for your time and consideration in resolving this matter.
On  XXXX   XXXX ,20 17 i settled with a debt collection agency MIDLAND CREDIT for the amount {$650.00}. They stated to me they will remove this from my credit being th at i have no obligation anymore to this account. It has not been removed states charged off with derogatory marks which is really hurting my score. After being harrased by the company and force to sue me and i settled with them they DID NOT comply as they stated to me as removing the negative remarks
Spoke to representative XXXX on XX/XX/XXXX regarding my Discover Miles card. Was told the card was scheduled for closure. I've been with Discover since XX/XX/XXXX, never missed a payment. I recently replaced my card and was told that was the reason for the closure. This is an absolute lie. The only reason is because Discover does NOT want to pay out on the rewards I've accumulated.
Experian sent me a letter, in response to my certified letter of dispute, claiming that my letter was suspicious and being disregarded, and that they were contacting law enforcement. When I called and told them it was not suspicious, they asked for my credit report number or SS # as verification. I gave them the credit report number from the credit report I had received from them, which was also included in my letter, which they deemed suspicious. I said I have the post office certified receipt, and could send a copy of that as proof. The representative on the phone told me if I sent more letters, they would also be deemed suspicious, and not acted upon, and I would simply receive more letters like the one I received today, stating that my letter was suspicious.
I am co-signed on XXXX student loans on behalf of my son. The loans were for incurred while he was attending XXXX College and XXXX College. The loans in question are owned by Wells Fargo. My wife and I have been making repayment of the loans since my son has not made any repayments and we did not want our credit damaged. We have been steadily increasing our repayment amounts in order to accelerate payoff and reduce interest. In our XXXX XXXX payment statement we noticed that the interest charge for that month was nearly half of the entire amount of interest we had paid in XXXX upon further investigation it became apparent to us that Wells Fargo had intentionally applied our entire monthly payment to only XXXX of the XXXX loans. it had been our practice to pay more than the minimum required payment for a number of years previous. Wells Fargo had been applying payment in excess of the minimum equally to each loan. Wells Fargo arbitrarily changed their practice and applied the entire payment amount submitted to only XXXX of the loans for the entire year of XXXX. We did not receive any written or verbal notification from Wells Fargo regarding a change in how they were applying our payment. This only came to our attention when we noticed the higher than normal interest charge in the XXXX XXXX statement. After multiple calls to Wells Fargo in attempts to resolve this issue I filed a complaint with the CFPB in XXXX of XXXX out of frustration with Wells Fargo 's stonewalling and bullying tactics. As a result of my complaint to the CFPB Wells Fargo agreed to only waive the interest charged due to their incorrect application of our repayments. After numerous fruitless phone conversations with Wells Fargo representatives I accepted their offer. As a result of the CFPB 's recent findings regarding Wells Fargo 's college loan illegal actions as well as Wells Fargo 's most recent illegal actions by their lending employees. I ca n't help but feel that my case should be reopened. 
Because of Wells Fargo 's mishandling of our repayments and their inflexible position regarding our student loan payments and balances. I feel that all of the findings you post on this site regarding your judgements against Wells Fargo apply in our case.
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. 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.
On Tuesday XX/XX/2018. I received a credit alert notification that XXXX requested my credit report information from Transunion in Washington. Since they were closed on XXXX XXXX, I called Transunion on XX/XX/XXXX to dispute but they told me I could not dispute the inquiry, I had to contact XXXX to request a letter to delete the inquiry off my credit report. I then called XXXX and they stated that they would not produce a letter of deletion. I was then provided this website to submit a complete because my information was pulled without my consent and my ID and credit cards were stolen on XX/XX/2018. Now I have no idea how to get the inquiry off of my credit.
In the summer of XX/XX/2018 I was moved to the state of Nevada by Hurricane Maria for a job offer. Proceedings were made with the XXXX XXXX XXXX XXXX XXXX to verify how the car that the bank could finance me move to there. The XXXX XXXX did not have branches in that state did not allow the vehicle to be moved at less than It will not be paid in full. As this payment was not possible, we were forced to voluntarily give it up. In these circumstances, it seems to us that the consumer should not be harmed with a negative credit report when banks do not have alternatives for this type of transaction in interstate commerce.
I have had a XXXX  credit card since XX/XX/XXXX. I received a bill of {$170.00} in XX/XX/XXXX which I paid on time and said payment was processed and removed from my account. I received notification XX/XX/XXXX there was a problem with myXX/XX/XXXXaccount. This person left a message and did not identify themselves as representing XXXX XXXX. I called back and they said they did not receive my payment. I had my online banking account, XXXX XXXX, send a proof of payment. I also sent paperwork in to dispute the claim of non-payment. During that time XXXX XXXX XXXX XXXX XXXX  continued to add Finance and service fees on my account during the dispute. At no time was I told that my payment, as per usual practice, which had been written out to XXXX XXXX XXXX, was now the wrong payee. Having accrued during this time {$190.00} in fees on my account I was told if I paid the minimum {$92.00} they would expunge {$180.00} in fees. I didn't add up the fees at the time and still do not understand why the other {$14.00} was not also expunged. This was in XX/XX/XXXX, and my credit rating was being ruined so I paid the {$92.00}. They continued to add finance charges of {$2.00}. I paid the remaining {$81.00} for the total of the original bill of {$170.00}. I then received, most recently, an additional finance charge of {$2.00} on my account. This was on top of the {$14.00} fee not previously removed and the {$2.00} fee they had tacked on. Today I paid them {$18.00} to prevent them from going in and once again attempting to ruin my good credit and continue add finance charges on my account. I firmly believe that the transfer of ownership of XXXX XXXX  is being exploited to extract erroneous fees from this customer. Thank you for your time
Complaint number : XXXX. 
The real problem started with XXXX XXXX XXXX. Account # XXXX. Before they sold my Mortgage to : Freedom Mortgage LLC. Loan # XXXX. 


I sent off the information you requested on XX/XX/2018 Priority mail. Sometime I don't trust mail carrier at all. Even postal services anymore. I think they probably supporting the Leftist Liberal and their Collusion Dishonest Activity. 

The bottom-line is : My VA Home Loan suppose to have a reduce interest rate accordingly. But, somehow they are playing a role of Defiant and Deviant all along obviously.
mariner finance of VA, LLC Keep me coming back to court claim I old payments, trying to get a judgment, I went to court on XXXX XX/XX/XXXX Mariner claimed l old money, my payment is do no XX/XX/XXXX XXXX all my payment are up to date, mariner finance have ME coming back to court on XX/XX/XXXX, out of retaliation I BECAUSE WILL not refinance my loan, I WILL NOT GIVE MY NEW BANKING INFORMATION,
I applied for a American Express Add on card. I was denied and was told due to non payment from the year XXXX. I filed a personal bankruptcy in XXXX and was discharged. After 16 years and good credit american express will not issue this add on card.
XX/XX/2018 Calls came to my mothers cell phone and also my work phone pertaining to a debt that I am unaware of and is not listed on my credit report. The company never offers information of the original lender or company. They just call and leave very aggressive messages.
Loan depot called me, at work, and said they were calling me regarding my inquiry online for a loan for property located at XXXX XXXX XXXX, XXXX, Tn. I explained to them that I have n't applied, inquired or anything else for a loan. He said the request came from email : XXXXXXXXXXXX. They called me last week also but did n't give me any information until today. What do I do next?
This complaint is in reference to Santander Consumer USA account # XXXX. I have sent legal documents to this company that releases me from any and all obligations to the allege account. I have sent several certified mail receipt USPS to this company. Until recently, I receive a document from this company to remove there name from my credit report. However, this account is still showing on my XXXX Credit report as a charge- off account. This company has not complied to any of the federal guidelines in reference to credit reporting. According to the fair credit reporting act section 609 ( A ) ( 1 ) ( A ), a company is required by federal law to verify- through physical verification - any and all accounts they report to the credit reporting agencies. Otherwise, anyone paying for credit reporting services can fax, mail, or email in fraudulent account information. On numerous occasion I presented documentation of this account not belonging to me. After several attempts, the company finally responded. I have enclose document receive with this complaint. I have been keeping a careful record of my communication with this company for legal purposes only. Considering Santander is acting in bad faith, I am prepare to file charges against this company for ; Defamation, Negligent enablement of Identity fraud, and violation of the fair debt collection practices act ( including but not limited to section XXXX ) if this matter persist.
US bank foreclosed on my home. They had tried to foreclose once before but they did not have title so they had to rescind the foreclosure and start again.US bank did not have title, XXXX had title and so after my attorney pointed out their error ( and only after my attorney threatened more legal action ) US bank rescinded the foreclosure. I asked US Bank to prove that they had the original promissory note and to show that it had transferred into their hands legally but they did not prove it. The promissory note was signed in blank without dates or notary. I had to demand during discovery that they give me the MIN report which shows the record from the XXXX data base. I finally got the MIN report which showed that the loan had gone into a trust on one document but was US bank on another.If the loan went into a trust then US bank can not foreclose only the trust has that right. US Bank had tried this before as I stated but only rescinded due to threats from my attorney. The attorney for US bank claimed that the loan did not go into a trust. I did not have enough money to continue litigation with US bank so they were able to foreclose. They did not have the right to foreclose unless they own the note and title and can prove it. How can the loan have been held by US bank and also be in a trust? US bank did not prove that they had the note or that it did not go into a trust. Why does the MIN report show a different owner of the note? US bank has not been forthright. It took me dropping out of the litigation to even get the MIN report. You can see that the promissory notes were signed in blank. US bank only lets up view their sloppy records as they do not want to incriminate themselves.They will not even give you any proof of ownership of the note when demanded in discovery. How can they be allowed to foreclose without clear proof that they own the note and have title? US bank has the funds to hire top notch attorneys and keep us in litigation until we can not fight anymore. It should be their responsibility to prove that the note is original through chain of title, transfer of funds ( purchase of note ) or some authentication before they are allowed to foreclose. US bank was NOT cooperative. US Bank was very deceptive.
Medical debts incurred for treatment and show all balances paid in XXXX 2016. Current account site shows {$0.00} balance due. Credit agency attached a derogatory account status. Medical provider was XXXX in IL. Current review of my account balances show no funds due. All accounts with no balance due.