WillisBack/dataset-financial-user-claim huggingface dataset:
This is a landlord/tenant dispute. The landlord is claiming damages that we are not responsible for. We have submitted a letter to the landlord and collection agency that states this is disputed debt. Therefore can not be collected upon until dispute between landlord and tenant is resolved. We have received a summons to appear in court demanding payment on these disputed charges from the collection agency.
XXXX XXXX account XXXX seems to be reporting the wrong date opened for the account and the credit account is reporting and re-aging serveral times on my Transunion report. It was a XXXX account XXXX which became a XXXX XXXX Account XXXX which became a XXXX Account .Its seems the same account is being reported XXXX different times on my report. XXXX XXXX is refusing to answer my complaint or change the re-aging or fully investigate. When accounts are duplicated they should be removed from my credit report. Requested a validation of debt also.
I was issued XXXX refund checks from when I sold my house and overpaid M & T Bank. I forgot about the checks and when I found them a little over a year later, I went to cash them with my bank who told me that they were too old and that I needed to contact the company to be reissued the checks. I have made several attempts to contact M & T Bank and every time I speak with them, they tell me an excuse as to why I have n't received the checks. They keep telling me that they mailed them and that I should receive them any day and they never show up. I call them several days later and they tell me the exact same thing. It has been over a month of calling them and I still have no checks. They keep telling me that it is my money and that I do get it, but I 'm still receiving no checks. I receive all other mail and have n't had a problem and it 's strange that they keep telling me the same thing over and over and never have a reason as to why they have n't been received.I have verified the mailing address with them several times and they have it correct.
XX/XX/XXXX - called cable company ( XXXX ) to cancel my service. 
Order confirmation # XXXX XXXX XXXX XXXX XXXX given to close account. 
XX/XX/XXXX - dropped off XXXX equipment per instruction. Transaction was logged and an email with return details was received ( see attached ). 
XX/XX/XXXX - Received bill in the mail for {$240.00} for unreturned equipment. 
XX/XX/XXXX - Immediately called XXXX, was directed to a call center and employee XXXX made the correction and provided me with confirmation # XXXX for a {$240.00} credit. 
XX/XX/XXXX - An amount of {$240.00} was posted on my XXXX card by XXXX. 
XX/XX/XXXX - XXXX emailed to inform me that I will be getting a credit of {$230.00} on my next bill XX/XX/XXXX - received collection notice dated XX/XX/XXXX from CCS ( Credit Collection Services ) XX/XX/XXXX - A letter to CCS and XXXX was faxed and mailed. 
XX/XX/XXXX - Submitted a Complaint to CFPB
I do not understand and I have asked the company to talk to my aunt on my behalf and they refuse and the payments that they are setting are to high. I am not working at this time.
XXXX line identified as XXXX appears on my credit report, however, the alleged original creditor has FAILED to supply proof of a debt. Additionally, I asked Experian to provide me with the 'Method of Verification ' for the disputed item, as attached - yet the trade line was somehow 'verified '. Since neither the data furnisher nor Experian can provide me with ANY proof that I signed a contract for debt, Experian needs to permanently delete this item as FCRA does NOT allow for unverified items to remain on consumer credit reports.
Around XX/XX/XXXX I was in negotiating a loan Modification with then Bank of America who claims to be the refinancing junior lender. However, Bank of America was alleged to be a predatory lender in XXXX by another Mortgage lender. At the time I was currently already on a loan Modification with the senior lender in XX/XX/XXXX. The senior lender Payments was about a thousand dollars a month. Bank of America loan Modification would have been about a thousand dollars which was too much, being that I was already underwater on the house and I'm on a fixed Income. However while in negotiations with Bank of America, who continued to give me the runaround regarding the loan Modification. I spoke to 7 different people at Bank Of America who  just wanted me to send all my personal information, but never returned my phone calls and letters regarding the loan Modification. Then on XX/XX/XXXX a foreclosure was filed on the home. But the plaintiff that filed foreclosure on XX/XX/XXXX was another bank not Bank of America. On XX/XX/XXXX foreclosure stated that I received a SUMMONS SERVED BY SPECIAL. PROCESS SERVER which was false. The XXXX was served to my father in New Orleans in XX/XX/XXXX not XX/XX/XXXX. I found out about the summons when I visited New Orleans during XXXX XXXX from my father. My first court appearance was in XX/XX/XXXX almost a year later after the foreclosure was filed. I continued to go to court on the case as I was still surprised by the whole ordeal being that I was still in negotiations with Bank of America a year prior regarding the loan Modification. On XX/XX/XXXX I went to court and the Judge alleged to have sign off on the Order Of Possession that day, the judge told me that I had 30 days to move out. I was shocked by this as I asked the Judge to give me sometime to figure this out. Plus I'm was a XXXX Veteran. So the judge said 60 days. Now I come to find out that Bank of America does not own the home. This was confirmed on or around XX/XX/XXXX. I still occupy my single family home as the current owner. Bank of America has continued to avoid answering any of my complaints after several attempts, and has not given an answer to any of my complaint as well. However Bank Of America keep sending unknown people to harass me and my family to fraudulently take my home.
To whom it may concern, i received a credit alert and an email that i have been a victim of identity theft. I have also been affected by the recent credit breach. I am unaware of the account that was placed on my credit file by your company. I am disputing the error that your company has placed on my credit file. Here are the accounts that are errors. If this issue is n't resolved i will be forced to take legal actions against your company immediately upon your response. I have contacted the FTC, and have contacted the attorney general office. 


SANTANDER CONSUMER USA Acct # XXXX XXXX
private loan company NAVIENT certified my student loan under conditions of False Certification of Ability to benefit. 
Navient certified my student loan for XXXX XXXX XXXX XXXX Now located on XXXX XXXX XXXX XXXX, TN XXXX on XX/XX/2006 without me having a high school diploma from United States, nor any transcript, nor did school give an entrance examination before I was admitted to the school. 
This action by Navient is clearly MISS LEADING student loan borrower.
XXXX   XXXX   DID NOT GIVE PROPER FORECLOSURE NOTICE, WO N'T TELL US WHY OUR ACCT BALANCE INCREASED {$37000.00} ONCE THEY PURCHASED OUR LOAN FROM   XXXX   XXXX    XXXX  ; THEY DENIED LOAN MODIFICATIONS BASED ON INCOME THAT THEY ENTER FOR US ( WOULD N'T LET US DISPUTE THE INACCURATE INCOME THAT THEY SUBMITTED )  XX/XX/XXXX   XXXX   XXXX   XXXX  sold our loan to   XXXX   XXXX  .   XX/XX/XXXX    XXXX  n ot   XXXX   XXXX   sen t statement of debt pursuant to NC GS 45-21.16 ( c ) ( 5a  ).  XX/XX/XXXX   XXXX  served us foreclosure paperwork w/   XXXX    as Note Holder.  XX/XX/XXXX  :  XXXX  canceled the f/c hearing.  XX/XX/XXXX  :   XXXX   XXXX   served us : Rescheduled Hearing Noti ce w/ New Cr editor in section 10 as   XXXX   XXXX   . To this d ay   XXXX   XXXX   has  not sent us a statement of debt pursuant to NCG S 45-21.16 (   c ) ( 5a ). They also will not tell us why the 1st monthly statement they sent us reflects amt due of {$120000.00 } (   XX/XX/XXXX  ) while the last statement that  XXXX  sent us reflects amt due of {$84000.0 0} (  {$37000.00} difference w/ in 30 day time pd ). They also denied loan modifications due to inaccurate income that THEY reported in error. We tried on several occasions to let them know it was wrong and tried to give them the accurate income info. They would NOT call or email us ba ck.    XXXX   XXXX   bought our loan as of  XX/XX/XXXX . Per the Prom Note, #  XXXX , they are obligated to keep all promises made in the Note. We modified our loan  XX/XX/XXXX . Per the  DOT, para.  XXXX , we have the right to Reinstate.  XX/XX/XXXX  we received reinstate calc. good thru   XX/XX/XXXX . W e pd in full reinstate amt {$32000.00} on  XXXX .  XXXX  we recd Nonpymt notice on  XX/XX/XXXX  we  were served foreclosure on  XX/XX/XXXX  bank Vol Dismiss  XX/XX/XXXX  served f/c  XX/XX/XXXX  bank Vol Dismiss  XX/XX/XXXX  served f/c  XX/XX/XXXX  bank Vol Dismiss. We have been unable to   make our monthly pymts because the bank continues to keep us in foreclosure.   XXXX   XXXX   bought our loan from  XXXX   XXXX   XXXX  knowing that it was in litigation & that we have been disputing this erroneous foreclosure.
I had just finished my XXXX XXXX Degree and decided to consolidate my student loans so that I could qualify for the Public Service deferrment. I completed all of the paperwork and was given a letter from Nelnet stating the terms. The terms were not what I was expecting so I called them within the 10 day window prior to consolidation and spoke with a cheerful representative. I told her that I had signed up for the REPAYE program and was initially given a much lower dollar amount and she confirmed all of this. Told me what the payment amount should be ( which is what I was expecting ) and when my first payment was due. When the first payment date was a week away ( according to the info provided to me by the rep ) I called because I had not received any information on where to send my payment. I finally connected with a supervisor who told me that since I had a parent plus loan I did not qualify for the plan that I had requested and that I was given bad information from the initial rep and that there was nothing they could do to help me as they had already consolidated the loans. Now I am looking at really struggling as these new payments are on the worst income contingent plan without a cap at an amount that I will not be able to comfortably make.
This company continued to attempt to collect on a move out fee that was paid prior to being submitted into collections. After sending proof that the debt was not owed they still attempted to collect and refused to remove the collection from my credit. This caused an issue due to me attempting to put through a house loan at the time. According to their online reviews this is not the first time they have attempted to wrongfully collect a debt.
I have received several unsolicited credit card offers from USAA. When I call to ask them to remove my name, they tell me I have to send my request via fax. Why should I have to do this when I did n't request it? Other companies take my information over the phone with no problems.
I contact PNC regarding why my outstanding principal was not going down off pay for 11 years .It was told to me during the loan process that it was a fixed loan second mortgage and will be paid off with in 15 years but come to find out this is not true and was not disclose that is a home equity installment loan. I did not find out into I reached out to PNC asking more question about this loan type. They told me that I can refinance the loan which is almost the same amount that I started with for another 14 years. 

The correct information was not disclosure to me and my family regarding this loan. All the money I have paid in the last couple is going to the bank not to the loan amount which is still high. I am requesting that the company put some of the money I have paid into the loan because I did not fully understand the terms of agree upon at the time of services and was told something different. If lender states you are get a second mortgage ensure that the correct information is disclose to you and not get a home equity installment loan. This product is a waste they money thing you pay of your loan just too find out that you still owe the same amount. 

Please feel free to contact me.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX from XX/XX/2018 XXXX XXXX - Twice i didn't authorize neither from XX/XX/2018 Explanation : I never consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiries via FCRA section 623. I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Repeatedly have asked Portfolio Recovery to remove and send me information when account was opened, how it was opened, who opened and signed for card. They have no information.
I filed a complaint a few months ago. I filed a complaint that my mortgage company did not pay my taxes in the escrow account. They did finally pay this tax, but one year later. They proceeded to charge my escrow account all the fees that were charged with paying the property tax a year late. My mortgage company Should have payed the extra fees because it was their error. I received a letter from them with a phone number that no one answered and I also called them and they would not help me. They simply said they paid the balence of the tax and charged my escrow and did not admit to any fault in paying the tax one year late and the XXXX of dollars that where extra fees from paying this late. Can you look into this again. I would like to get the fee money back and put into my escrow account or refunded to me and I want them to do this right this time.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX After viewing my XXXX  credit report I noticed that there are several duplicate accounts listed on my credit reporting and a few accounts reflect incorrect dates on loan origination, loan term & payments. 

I have 4 to 5 duplicate accounts listed on my XXXX credit report starting with page 8 Account # XXXX {$470.00} page 10 Account # XXXX ... XXXX {$3800.00} Page 12 Account # XXXX .... {$3800.00} Page 12 Account # XXXX {$470.00} Page 12 Account # XXXX {$3500.00} Page 13 Account # XXXX ... {$3500.00} Page 14 Account # XXXX ... {$3500.00} Page 14 Account # XXXX .... {$3500.00} There are several errors listed as well with the TERMS of the loan, loan origination dates & payments. I can list them all its so many. I would like to start my dispute with the duplicate accounts listed thatll give me time to write all of the errors. 

Under the provisions of the 1977 Fair Credit Report act I hereby request that the reporting agencies prove to me in writing the accuracy of the reporting this account. Under the terms off the act & succeeding court cases they have 30 days to improve the accuracy or they must remove the account from my credit report. 

Please feel free to call me with any questions you may have at the above number. 

Thank you, XXXX XXXX
I have attempted on numerous accusations with Experian and   XXXX   XXXX   XXXX   to dispute a file on my credit report that has been inaccurate for some time now. They suggested I get affidavit which I provided that, as well as a police report ... I sent a affidavit approximately over a month ago and sent ANOTHER ONE and still the credit bureaus nor the creditor has removed the file and I have provided every type of documents needed to prove that the account  XXXX  for  XXXX  is not mine. Its been taking more than 30 days and still no action.
I want to report this matter as in hopes you guys can speed up the process as I am trying to buy a home and its affecting my score.
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Thank you and enjoy your day..
I received my end of the year statement showing my escrow was overpaid by XXXX because my taxes went down and a check would be sent to me. I called to verify and a rep told me i would receive a check.i called back to check on and they told me i wouldnt get it even though i was caught up on my mortgage. I did a modification where i have to pay XXXX after my loan is paid off which is what covered the modification and made me current. They cant tell me where the XXXX went to.
Today is XXXX/XXXX/2015 and I still ca n't get my {$1600.00} off my Rushcard!!!! It 's been 8 days!!! 

On XXXX XXXX, 2015 Rush Card indicated they were doing a system update, after the update thousands of customers including my self no longer have access to the money on their card. I have direct deposit set up through job that goes directly on to my rush card. They are holding {$1600.00} of my money. I just started my new job and already had to wait 3 weeks for my 1st check. I have called their customer service department over 35 times since XXXX/XXXX/2015, and have either been hung up on, several times, placed on hold before even speaking to a rep for over 3 hours! What company has someone on hold for over 3 hours just to talk to someone. On several occasions I was on hold for over 2 hours just to be disconnected as soon as I asked to speak to a manager. I want my money. I have bills to pay, not to mention I have had to borrow money to pay my light bill that is due today. I have had to catch a ride to work because I do n't have money for gas to get back and forth to my new job. There are XXXX people who are suffering and ca n't get access to their hard earned money, because XXXX ( Rush Card - XXXX XXXX ) is holding peoples money hostage. Not to mention they have a transfer feature on the Rush Card App, that did allow you to transfer money to anther Rush Card, of a friend whose card may be still working : but that mysteriously is n't working. Now that does n't work either. This is ridiculous! I want my money!!!!! {$1600.00} is not a little bit of money! I need my money to pay my bills! Why would XXXX not contact people and offer to send us a certified check???? If XXXX ca n't assist with fixing the problem then, how about you send people 's Direct Deposit back to their employers? How hard is it to just give people their money back??? XXXX & Rush Card are stealing/robbing people by not giving them their money!!! 
Desired Resolution : RefundDesired OutcomeSend me my money!!! {$1600.00}!! I want a certified check sent overnight to me ASAP! Close my Rush Card account and never contact me again!!!! I want them to give me my money that I earned and worked hard for!!!! 

Please help me!!! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl. XXXX
On XXXX/XXXX/XXXX I had a inbound XXXX wire transfer of XXXX converted to USD {$71000.00}. 
Being that the XXXX was slightly better that the USD with the days XXXX range of XXXX to XXXX with the close at XXXX. I felt they were taking a awfully large % and wanted to know how it broke down. 

I went to the local branch, and of course they had to call someone at the XXXX desk. After going over the information with XXXX in XXXX, I told him this was a very poor exchange rate exchange rate and that they needed to re-evaluate it, his response was that they are very competitive in the exchange market. I then pointed out to him that a bank here in Florida, XXXX would do it all day long in any currency at .075 % under XXXX, and their a small fraction of the size of Wells Fargo. 

He said he never heard of them and said that was the best they could do as it is a program. He did tell me the executed rate they gave me was XXXX. This is like a exchange rate at a window at the airport in my opinion.
There are several accounts reporting on my credit file that does not belong to me. I have sent the credit agencies letters to dispute these accounts. The listed accounts are reporting as a result of identity theft. Please remove the following accounts and incorrect information from my credit file : Incorrect Name : XXXX XXXX ( XXXX ) Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX & Transunion ) Identity Theft Account : XXXX XXXX XXXX XXXX ( XXXX & Transunion ) Identity Theft Account : XXXX XXXX XXXX ( XXXX & Transunion ) Inquiries : XXXX XXXX XXXX ( 2 Times ), XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( 3 Times ), XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX
On XX/XX/2019 Navy Federal Credit Union took {$380.00} out of my account for a credit card debt that I am reinstating bankruptcy for. I explained that they had no right to take money from either my XXXX or XXXX XXXX XXXX XXXX Compensation checks without authorization. Collections told me they could take money owed them because they claim my XXXX compensation is the only one exempted which is not true. My XXXX XXXX check is exempted also. They refused to replace and threatened me that if i dont make an arrangement to pay them they will took the next check as well. I can not stop either check from being direct deposited due to the government shutdown. I contacted my bankruptcy attorney today and he is filing my new bankruptcy asap. As soon as the government reopens, yet I have no way of knowing what the collection dept at The Navy Federal Credit Union in XXXX will take my money. My deposits stated on my bank statements as ( XXXX and XXXX ) both from US treasuries.
This complaint is about both American Express and XXXX. I have reward points with American Express for using its credit card. XXXX accepts these reward points as payment for its goods. However, the check out and payment pages of XXXX do not DISCLOSE that {$1.00} used to pay for XXXX goods is equivalent to XXXX reward points. Instead, it simply states that a customer has $ xx available without disclosing the number of points that the dollar amount will use up. As a result of this lack of TRANSPARENCY, we used all our XXXX points. In contrast, to pay for travel through American Express, {$1.00} is equivalent to XXXX points. No economically rational agent would take XXXX 's exchange ratio over American Express 's exchange ratio if she or he knew about the different ratios and was given full disclosure of information in the transaction. Commutative justice demands FULL DISCLOSURE of all relevant information in business and financial transactions. I called XXXX but the " leaders '' were unhelpful and intransigent. The company must be compelled to be more transparent in getting customers to use American Express points to pay for XXXX purchases. American Express should be more vigilent with its partners to ensure that its own customers are not duped in this way.
XXXX OH, XXXX has left XXXX voice mails on my cell phone stating they are EIF Collections, a debt collector, and that I should call XXXX extension XXXX. I am assuming this is a fraudulent call, because I have $ -0- debt, other than credit cards, which I pay monthly when the bill comes, and a car payment, which I also pay on time monthly. I just now checked both mine, and my husband 's, free annual credit reports, XXXX, both of which indicated no issues at all. They also did not indicate any credit cards etc., other than those actually opened by ourselves. Thus, thankfully, there is no sign of ID theft.