WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I was contacted by National Credit Systems for an amount owed to a apartment complex I recently moved out of the apartment complex under the motion I would be responsible for the months the apartment was vacant. I disputed the charges asking to company to Verify the alleged debt owed of {$6900.00}. All I received back from them was an itemized list of charges with accelerated rent they say I owe and the first and last past of my lease. After reviewing My copy of the lease agreement there on page 2 there is section stating I will only be liable for the dates the apartment was vacant. I am under the notion the apartment was not vacant for the remaining months on the lease as a new tenant was placed in the alleged vacant apartment. I again disputed this account with National Credits Systems and the 3 major credit reporting agencies XXXX, XXXX and XXXX. XXXX  was not able to verify the account and has since deleted it from credit report as of XX/XX/XXXX, while the other reporting agencies came back verified. National Credit systems again sent me an itemized list of the charges along with the first and last page of my lease, leaving out the verbiage written in the agreement for charges owed upon early move out of the apartment. On page 2 section 10 of the leasing agreement it states ... You will be responsible for monthly installments of rent through the end of the lease term or until a replacement is found, whichever occurs first. XXXX XXXX was a tennent in the vacant apartment this occurred first. Further the accelerated rent charges National Credit System claims I owe is not a provision within the lease agreement.
Threatened to send sheriff to my work to serve me. Called repeatedly after asking to stop and informed them that the debt was not valid. Used abusive language calling me an XXXX/XXXX/XXXX.
XXXX XXXX came to my house and spoke with my daughter who was XXXX at the time and convinced her to let them install insulation. I did not want them to do this and never contacted them to do it. I never meet with them was not even home when they came to do it. Never had any dealing with the company, never signed a contract no one had authorization to sign on my behalf. the first time I knew about this happening is getting a bill in my name. I have tried to contact the company with no response and have contacted the collection agency to inform them that it was not my debt. was inform that it is to bad that i had to pay. It is not my debt. I did not authorize anything. was not home to know anything. I am not responsible for this.
In XXXX XXXX, I received a collection letter from Collection Bureau of America referencing a past due XXXX XXXX account in the amount of {$350.00}. The letter listed a service address in a city in which I had never lived ( XXXX, CA ), At the time I had been XXXX for 19 months and had not had a XXXX XXXX account since XX/XX/XXXX. I had never heard from XXXX XXXX prior to this, so this was clearly an administrative error or someone else 's account with the same name. I immediately disputed the letter in writing in a letter dated XX/XX/XXXX. In the letter, I pointed out that this was not my debt, explained how it could not be my debt, and requested that they provide me 1 ) the amount of the original debt ; 2 ) the name and address of the creditor to whom the debt is owed ; 3 ) verification of any judgment ; 4 ) proof that they are licensed to collect debt in California, and 5 ) proof of the last payment on the account. 
I received a second collection notice dated XX/XX/XXXX repeating the initial threat of collection, presumably prior to their receiving my letter of dispute. I then received a third letter dated XX/XX/XXXX acknowledging my dispute. At no point did the collection agency provide items XXXX, XXXX, or XXXX as I had requested, and I never heard from them again. 
On a recent XXXX credit report, I noticed that this collection was listed as negative information. It appears that Collections Bureau of America ignored my dispute and proceeded to post this erroneous information to the credit reporting agencies, damaging my credit rating despite the evidence that this was never my debt.
My Bank of America Debit Cards were stolen from my vehicle while I was outside of the U.S. My debit cards were in the backpack along with other personal items. Thieves managed to withdraw money from my debit cards in amount of {$39000.00} in total. I contacted BoA ATM Debit Card Fraud Services for assistance and help. Based on their policy Bank of America will credit fraudulent charges made with your card back to your account as soon as the next business day. They told me it will 10 business days to investigate the case. After 12 business days the claim was not paid with no reasoning behind. After long conversations with customer service representative, the answer was that " those transactions were done by me based on the film they have ''. However, it was a complete non sense because I was outside of the U.S. and it is impossible to withdraw money from an ATM within U.S. while I am outside of it.
After, contacting the bank and faxing my travel documents and airport stamps on my passport they decided to reconsider the case. Second refusal for the claim was made based on a reason that I accessed online banking multiple times during the period of those transactions, which isnt true. Hence, I asked for documented proof of IP address login details. The answer was they are not able to provide it. Hence, the case is still being reconsidered. Everytime they are trying to find an excuse not to reimburse my money. Each reconsideration of the claim results in completely different answer. I gave them the police report, my travel stamps on the passport and insurance claim number as a proof of the incident.
I was behind making my vehicle loan to BMW Financial. On XXXX/XXXX/2015 they repo my vehicle and on XXXX/XXXX/15 i received a Notice of Intent to Sell Vehicle & this notice is dated on XXXX/XXXX/15 and on the Notice it has XXXX options how to get my vehicle back ; 1st.Option-Reinstate ) if i want to reinstate the contract within XXXX days of the date of this Notice i have to pay the amount shown to BMW Financial Services & the payment must in the form of certified funds as follows ; Total due {$3100.00} 2nd.Option-Redeem ) basically pay-off the total loan vehicle {$39000.00}. Okay to make the story short XXXX choose the option XXXX reinstate and i send the funds through XXXX XXXX on XXXX/XXXX/15 for the total due {$3100.00} & i elect the Urgent so that way they will received the funds within XXXX minutes and i called BMW to give them the Tracking # /Confirmation for the funds that i sent through XXXX XXXX to let them know that i am Reisntating my vehicle and if they could let me know when i should be getting it back from their Vendor ( XXXX which is located in XXXX XXXX XXXX ) which i think it is redundant that they do n't have a storage available in XXXX . But the Customer Rep that i spoke with on XXXX/XXXX/15 XXXX said the reinstatement funds that we sent was short it should included the XXXX payment. Which is my XXXX payment is due every XXXX of the month and i know there is a 7 day grace period. So i was shock and upset why he 's telling me a different story i told him if he could refer on the demand letter that we received dated XXXX/XXXX/15 and it clears on the letter we have XXXX days to satisfy the demand letter to reinstate. I asked, XXXX if he can notate that i will be sending the XXXX payment on the XXXX ( end of the month ) since that is payday and i do n't really have additional funds at this time to send the XXXX payment. He said no they ca n't hold the vehicle for me which is just XXXX days away and i will be sending the payment. And i even explained to them the reason why i was late on making my payments due to at my job during summer for the month of XXXX & XXXX we do n't have work and i do n't get paid ( seasonal job ) and if they can be more considerate or work with my financial hardship. They advised, No they are not wiling to reinstate my contract and i even request if i can speak directly to the BMW Collections Manager and review my file. They refused they gave us some reasons that he is in/out of the Office having a lot of meeting to attend and we even gave our number so he can reach out for us or give us his XXXX or XXXX minutes to hear our side of story. But there was no call received and the funds that we sent through XXXX XXXX they said they will return the funds back to us by XXXX also. However we received an email on XXXX/XXXX/15 from them and advised the funds will be mailed by check to us shortly. Please we need help/resolution if BMW did follow the CFPB regulations regarding their Loan Vehicle when your Loan is in Default or if they are in Compliance.
Kohl 's is reporting a balance of {$280.00} on an account that I settled with them in XX/XX/2012. I agreed to pay {$170.00} as settlement in full for this account in XX/XX/2012 and Kohl 's accepted this amount. However, I now find that they are still reporting a balance. It is my belief that Kohl 's failed to write off the amount of the debt that was forgiven in settlement. I have requested, under the Fair Credit Billing Act and other federal laws, detailed financial information directly from Kohl 's documenting that balance and payments made, but Kohl 's has stated that they can not provide that information. The reporting of this balance and delinquencies from XX/XX/2012 to now, are causing me difficulty in obtaining necessary financing.
This loan was a disaster from start to finish. The goal was to refinance in order to lower the rate on my first mortgage and increase the line on my HELOC. I made this very clear from the start of the process. 

The process was started on XXXX XXXX, 2015 with a closing date near the end of XXXX. The first thing to go wrong was that the closing date was repeatedly pushed back until XXXX XXXX, 2015. The delay in closing cost me roughly {$150.00}, which is the decrease in the payment which would have occurred in XXXX but since we closed late, wo n't occur until XXXX. 

After closing the loan funded several days late resulting in an additional {$190.00} in interest and fees paid on the original mortgages as well as a late payment on my HELOC. A revised HUD was drawn up and executed without my knowledge or consent, and the HUD that I had signed was disregarded. I 'm not sure of the legality of this maneuver, but it is definitely not good practice. 

Throughout the loan process, I was assured by the loan officer that if I refinanced my second mortgage, I would be able to increase the line on the HELOC with little to no fees if I refinanced the second as opposed to subordinating it. The cost of refinancing the second mortgage was XXXX. Once we closed, I was told that the fees to increase my HELOC would be {$1000.00} to XXXX. The only other option that was presented to me was to transfer my HELOC from XXXX to XXXX XXXX XXXX XXXX. I was not told what the fees would be on this, but the terms would increase my monthly payment by over 150 % from about {$200.00} a month to over XXXX. 

When it was all said and done, this refinance cost approximately {$960.00} more than it should have and did not accomplish half of what it should have. In order to accomplish all of the necessary goals, the loan will cost {$2400.00} more than it should have.
Recently, I received notice from the state of NJ that my homestead rebate was sent directly to my mortgage service provider, Wells Fargo. I called Wells Fargo several times and they finally told me that I had to provide proof that the state of NJ sent them the money. It was never applied to my taxes ( as my taxes are included in the mortgage payment ). Please help I do n't know how I can prove they received the homestead rebate in the amount of {$260.00}.
I tried to put my loans into the income driven repayment plan before my payment XX/XX/XXXX. They never got back to me about approving it or me not getting approved for it. Instead they totally and completely ignored my request and kept billing me. I 'm up to about {$600.00} now for 2months payments and they keep harassing me through my email. I have n't heard anything from anyone except Your loans are past due and your account requires action. I 'm fed up with these people! It 's going to make me go into default and then be in bigger trouble or force me to go into forbearance which I do n't want to do!
I had a credit Card with Capital One making payments on time. The autorized user charged the card for a vehicle rental that was extended beyond the time. The bill ran up to {$1500.00} that was not avail on the card. The Capital One still approved the charge after I informed them that the charge was being paid in Bankruptcy. I made several request to deny the charge and reverse the charge. I submitted proof that the charge was being paid through bankruptcy and they ignored my letters and responded that my request was over 90 days which is incorrect. This charge remains on my account causing negative actions on my report. I was advised by the bankruptcy court that they should reverse the charge.
On XX/XX/XXXX i sent a letter requesting validation of a debt to XXXX XXXX XXXX through certified mail. I dispute the mark on my report throughXX/XX/XXXX XX/XX/XXXX, andXX/XX/XXXX. XXXX never sent a validation letter but reported to transunion that the debt was valid. I called XXXX stating the debt is n't valid without proof and it is also passed the statue of limitations law in the state of Louisiana for them to even collect. The young lady hung up in my face. I re disputed the account and contacted the BBB and XXXX. I will not stop until this mark is off of my credit report and will seek IMMEDIATE legal action
A debt that has been fully investigated has been permanently removed from XXXX  and XXXX  Credit Bureaus years ago. It remained on XXXX  and have disputed this debt numerous times. I have provided all documentation and proof that this debt is not owed. That in fact, XXXX XXXX XXXX was paid by XXXX XXXX XXXX XXXX of Texas after the XXXX doctor 's office submitted the required proper forms, just like they did with my son during the same appointment time. The email I provided shows that the Dr 's office made a mistake and that everything would be resolved once they submit the form they're required to send in. They even apologize in the email. No procedures were started or completed that was not covered by our insurance. A doctor 's office verifies insurance before patients are allowed into the back offices. Insurance was verified. The XXXX Dr 's office was paid. However, they reported this office visit as a debt to credit bureaus until they were paid. That's when I disputed it. It was investigated and removed from XXXX  and XXXX  credit reports. XXXX XXXX associates removed the trade line with all credit bureaus and then sold the debt they were reporting and I have been disputing it ever since. 
-Letter ( Exhibit 1 ) to XXXX  requesting an investigation for debt Capital Accounts reports on my credit file. 
-I sent Certified Letter dated, XX/XX/XXXX, to the debt collection agency and requested they validate the said debt ( Exhibit 2 ). 
-They signed for the letter XX/XX/XXXX ( Exhibit 3 ). 
-I have provided their response letter for your review ( Exhibit 4 ). *Not only are they reporting a debt that is fraudulent, they are also adding to the amount which they aren't allowed to do. 
-Additionally, ( Exhibit 5 ) is a direct violation of HIPPA . Capital Accounts sent me a document which contains medical information of a minor. Procedures completed and the diagnosis of the procedures. A debt buyer is not to have access to medical files. Companies or Medical provider may not pass on ANY medical records when selling a debt to a debt buyer. This is very illegal. This is what has occurred. 
-I immediately completed a research request form ( Exhibit 6 ), a dispute letter ( Exhibit 7 ), and provided all the documentation ( Exhibit 1,2,3,4 ) that XXXX  has already seen and ignored, as well as email ( Exhibit 8 ) from XXXX  XXXX XXXX back on XX/XX/XXXX and a notification from XXXX dispute results ( Exhibit 9 ) stating they have fully investigated and it was deleted from my credit file. 
I request an investigation by your organization. Numerous laws have been committed and it is all of a debt that is not owed. I request you to please hold Capital Accounts accountable to their illegal credit reporting practices. Please notice that another increase on my credit report has occurred again today, XX/XX/XXXX. Capital Accounts also reports monthly lates/past dues to credit bureaus. They should be held accountable for their criminal, deceptive behavior. I do not owe this debt! 
I thank you very much for your time and assistance.
I filed for a payday loan before joining the XXXX XXXX back in 2013 for an amount not exceeding {$1000.00}. I have the bank documents where they withdrew the amount from my account. I have been contacted indirectly by a third party, XXXX XXXX XXXX, demanding a payment for the amount of {$850.00} owed. They did not verify the original amount, nor did they send me documentation of the original contract. They also threatened legal action if I did not pay the settlement that was offered. I contacted The Cash Store ( original creditor ) to find out if I could get the original document to assess the situation, and whether or not I owed any amount. They said there was a remaining balance that was sold to a third party, and they did not have the original document. I then contacted their corporate office, who said they did not have any original documentation of the contract, and just stated the payments I paid to The Cash Store. They referred me to the third party the remaining balance was sold to, which was not XXXX XXXX XXXX, but XXXX XXXX XXXX, XXXX.
Navient was suppose to take {$51.00} out of my account every month on the XXXX. They are doing this since XX/XX/2018 but on XX/XX/XXXX they took the money then emailed me saying they have not been paid when I have proof it came put of my account. Then on XX/XX/2018 they took {$85.00} without telling me why or what ot was for and again on XX/XX/2018 they took another {$240.00} out of my account without any information.On XX/XX/XXXX they took the normal {$51.00} payment. On XX/XX/2018 they again took {$240.00} out with no information. This left me with only {$14.00} on XXXX XXXX to support my 3 person family on for the week..this was almost my entire pay check that they took from me for XXXX. On the website on my payment history there is no sign that anything of the higher payments they took out happened. They had originally told me I could make small payments monthly but they stopped taking it out my account and stopped everything.
My mortgage servicer has ignored repeated requests for a mortgage loan payoff. These requests have come from the settlement agent, an attorney who handled a discharged bankruptcy and myself, the borrower. This process has been ongoing for 2 weeks and each time the servicer denies that they have been contacted by anyone.
I had been a customer at Wells Fargo Bank ( and their prior named financial institutions ) for over thirty ( 30 ) years. I had an unblemished checking account. 

In XXXX 2016, they allowed a female caller ( I am male ) to have full access to my checking account. Wells Fargo provided statement information ; blank checks ; and changed my mailing address. They also allowed that person to open on-line services to my account. 

Wells Fargo then closed my account, but told me that they would open a new account for me, as well as cover all of the checks from the closed account. I gave them a ledger of outstanding checks. 

I filed an identity theft police report and provided Wells Fargo with a copy of said report. 

Wells Fargo then allowed the female caller to gain access to my new account. 

Wells Fargo then closed my new account and when they tried to open a second new account, they informed me that I was a high risk ( due to the ID theft ) and that they could not open a new account for me. 

Wells Fargo then refused to give me my money back. 

Wells Fargo has refused to provide me with a copy of the recorded calls from the female caller. 

Wells Fargo 's bank manager went into the public hall with me and announced in a very loud voice that he was wondering what I did criminally to have Wells Fargo close my account. 

I then received a letter from Wells Fargo that advised that they made a " business decision '' not to do business with me anymore. They also entered derogatory information about me on some eternal bank system, alerting other financial institutions that I was a " risk ''. 

Again this all stems from being a victim of id theft, all at the hand of the lax security procedures of Wells Fargo. 

Wells Fargo also " bounced '' the checks that they promised to honor.
I signed up for classes at a school name XXXX XXXX XXXX here in XXXX, Michigan, and I was pretty much tricked into taking out a student via XXXX XXXX and the school was part of a Ponzi scheme, and it closed without warning. I had filed for bankruptcy and tried to get rid of the student loan debt ; but it did not work, so I filed for a adversary proceeding in court against XXXX XXXX back in XXXX/XXXX ; There was a lawsuit filed against this school for breach of contract and misleading students ; I went to court to try and discharge the loan. I also had a Federal loan as well, but this was in regards to the Private loan ; I continued to pay on the federal loan as agreed with the judge ; and the judge told me to submit discharge papers and information to XXXX XXXX ; they have been giving me a head time ; the courts awarded a judgment in favor of the students, but XXXX XXXX, now Navient will not discharge the loan ; they are claiming I was not enrolled, when I was ; obviously there is a loan right, that 's proof right there. If you review the case you will see the court ruled in our favor, and I have been sending Navient excerpts from the court proceeding as well as the article about this Ponzi scheme and they still refuse to work with me and remove the loan from my records. It has damaged my credit and they will not work with me and its frustrating. I see all of the lawsuits in the news about Navient, not willing to work with people and forgive the loans ; what can be done to help get this off my records. I would greatly appreciate your feedback.
I took a loan with XXXX, XXXX, 2004. The loan was later purchased by Nationstar Mortgage, Loan # XXXX. I am in the process of selling the residence and have a VA loan offer awaiting appraisal. I went on-line to check my Nationstar loan account but, discovered they have changed their format, I must re-register my account, and in order to create a new account I must check a box that says I acknowledge there 's a {$25.00} service fee for pay-off. 
When I took the original loan I specifically asked and was told there were no fees associated with pay-off of the loan. I consider Nationastar 's action an abuse of process and a deceptive practice. I have directed my XXXX XXXX, XXXX XXXX to deny any extraordinary fees for closing this loan and to notify me in writing if that delays the action.
On XX/XX/XXXX I entered into a settlement with XXXX XXXX. They told me to pay {$2000.00} to settle the debt in full on XX/XX/XXXX. I did such. I was then told by XXXX XXXX that the debt would be removed from all credit bureaus. Instead I received an XXXX alert stating debt debt deem uncollectable bad debt. They have committed fraud by representing to me that we were settling the debt and it would be totally removed from my report. Make them remove it immediately. I money framed that settlement amount to them as agreed. Tell them to remove it or be sued for punitive damages.