WillisBack/dataset-financial-user-claim huggingface dataset:
I moved out of XXXX XXXX XXXX complex at the end of XX/XX/XXXX. Very soon after I received a letter that I owed money to the complex for damages to the furniture I did not ( nor any of my roommates ) make ( I do not recall an amount being stated in the letter ). I emailed the apartment complex manager on XX/XX/XXXX saying I would not pay for the damages I did not make, and sent her attachments of my inventory list from before moving into the complex that shows I had noticed couch damages prior to move-in, and had noted it on my inventory list. I received a reply two months later that said the damages were due to pet dander and stains, which me nor my roommates made. I replied to the email XX/XX/XXXX noting, again, that me and my roommates had not damaged the couch, that the condition we left it in was the condition we found it in. I also stated I would get an attorney if they continued to bill me a payment I was not responsible for. Since XX/XX/XXXX, I have not had any correspondence with the apartment complex manager until yesterday XX/XX/XXXX, when my mother ( who cosigned my lease with me for this complex ) received a call that the amount owed to the apartment complex had been sent to a collection agency.
While shopping I found my debit card could not be used. I contacted Capital One bank to determine why. I was advised that the account had been garnished. This was my first notice. With help from XXXX XXXX XXXX XXXX, I filed a motion to elect exemption from the garnishment XXXX XXXX, 2015. On XXXX XXXX, 2015 the XXXX XXXX of Maryland granted the motion. I was advised by Capital One to visit the XXXX branch and give them a copy of the order and the branch could resolve the issue. XXXX XXXX, 2015, I delivered a copy to the branch and was advised that it would be forwarded to the legal department. Today Capital One has not made the account available to me. The garnishment has not been removed. The only money I have is a small retirement from the State of Maryland. I found that the retirement money is protected by law and should not have been garnished. The bank is aware as the direct deposit shows where the funds come from. I faxed a copy of the order to Capital One Bank and a copy to Capital One 360. I have n't heard from either entity. I want the money released so I can close the account. I feel that bank is not concerned with assisting me. I 'm certain they have received a copy from the XXXX XXXX. I do not understand why they have ignored this matter. Additionally, in XXXX and XXXX they charged me {$8.00} service charge for each month the account was not available to me, nor serviced by them. I want them to restore the service charges and allow me to close this account.
I tried paying a debt with Hunter Warfield. They refuse to send me anything in writing verifying our agreement, so I havent paid anything. They said they dont provide any documentation until the debt is paid in full, and thats just wrong. I want to resolve this, but not until I get our agreement in writing. They said they isnt buy the debt, so maybe thats why? If thats the case, who owns the debt and why are they calling me? I also didnt receive any letters in the mail.
I filed a complaint with XXXX and XXXX on XX/XX/XXXX andcXX/XX/XXXX due to Capital One keeps not reporting fairly. Each month they either skip or report information from the month before billing cycle. I paid Capital One in full on XX/XX/XXXX before my bill cycle ended and they have I owe them {$77.00}. The last time my credit report shows Capital One reported my account balance was XX/XX/XXXX. This report was obtained by XXXX on XX/XX/XXXX. Capital One did not report for XX/XX/XXXX and should be reporting for XX/XX/XXXX in the next few days. My account balance on their website shows XXXX owed and {$800.00} available limit but they failed to report this since my last payment. CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$390.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$800.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$77.00} Date Reported : XX/XX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : {$15.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 99 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Credit Card Date of First Delinquency : N/A Comments : Consumer disputes - reinvestigation in progress
In XXXX we had a XXXX XXXX salesman come to our military housing and sell us a vacuum. They 'financed ' our vacuum through Merchants Acceptance for {$37.00} to be debited our account on the XXXX & XXXX every month for 19 months. My husband and I signed the finance paperwork and the receipt for our vacuum. We never received a bill, statement or any mail or email communication from either XXXX or Merchants Acceptance but they debited our account for the agreed payments. We moved, changes accounts, and my husband lost his job so we missed a few payments. Without any communication, I did n't know who to contact. They finally started calling me. I tried to have them add the overdue to the end of the loan, but the person at Merchant Acceptance said he did n't have access to my payment history, my balance, or how long we had left to make payments from our original agreement, just that I owed $ and needed to pay the total for the missed payments. I asked how I could access that information and he said they 'd have to mail me a statement. I got 1 statement that was very unclear on where we stood with the loan. I still owe them $ and would prefer it be added to the end of agreement due ti financial hardship. But that time should have passed already and they 're still debiting my account. Today they sent an employment verification to my employer. They had cut the signature line from my finance agreement ( that was not dated ) and pasted it on the employment verification. I did not authorize it or sign that form. What purpose could they have for photoshopping an employment verification? I dont know what I owe them, my payment history, or my overdue balance. I would like to resolve this but I do n't like that the do n't send statements or that they pasted my signature on an employment verification.
This debt showed up on my credit report without contacting me about it or anything. I have no idea who owns the debt, and the company in question are tarnishing my credit report for no good reason.
XXXX has reported negative information to my files at XXXX, XXXX, and Equifax. The information involves a collection action by XXXX XXXX XXXX that involves a delinquent account owned by someone else and has nothing to do with me. XXXX and their collections agent has mistakenly associated the delinquent account with my credit identity.
I originally disputed the BALANCE on my auto loan for XXXX, it had been reporting incorrectly for a few months. I am trying to buy a house and TransUnion came back with their dispute results and the account was deleted from my credit report. I contacted them and they advised me that my creditor told them to delete it. I know this NOT to be true as I had already contacted XXXX, XXXX, the VP of the company advised me they had received NOTHING from TransUnion in regards to ANY DISPUTES. I called TransUnion back and they told me there is nothing they can do but the creditor can call. XXXX called and spoke with XXXX separate representatives and BOTH advised her she COULD NOT do anything only I could. This had been the MOST difficult time and the most horrible customer service for something TransUnion deleted ILLEGALLY.
I HAVE NO KNOWLEDGE OF ANY ACCOUNTS WITH MERIDIAN FINANCIAL SERVICE YET THERE ARE 4 ACCOUNTS SHOWING COLLECTIONS.BESIDES THE AMOUNT AND DATES VARY. THIS IS NOT MY ACCOUNTS. AS YOU CAN SEE BY MY CREDIT REPORT I PAY MY BILLS WITHOUT ANY PROBLEMS. PLEASE HAVE THIS CORRECTED AND REMOVED. THANK YOU
This account has been pif, the entire {$720.00} amount and the acct closed and per our agreement with XXXX bank it was to be deleted from my credit reports entirely. XXXX bank XXXX XXXX
I had a past due balance from an apartment Complex called XXXX XXXX which was sent to Hunter Warfield, a collection agency. I spoke with XXXX XXXX back in XX/XX/XXXX who said that my balance was {$570.00}, but was willing to settle for {$220.00}. I was unable to do that as I originally planned. I called the agency back today & spoke with XXXX XXXX who now says that my balance is {$580.00}. I asked why and he said that they charge interest and that they 've had the account since XX/XX/XXXX. When I .looked at paperwork from XXXX XXXX, my balance was {$520.00}.
recieved a letter from transworld systems saying i owed {$110.00}. i decided to pay as our holiday insurance didnt cover the full debt. there was no e-mail or online payment so i had to send a cheque which i sent recorder delivery on that day. 
they recieved the cheque a few weeks later ( posted from the XXXX to usa ). they as yet havent cashed the cheque but i have since recieved a further 6 letters demanding the money that i have already sent. 
i have emailed them ( found this information on their website ) 4 times, written to them a further 2 times but they do not reply to anything ... .i just recieve more threatening letters. 

i have sent the cheque they requested, written to them and sent e-mails but they still keep writing to me demanding i pay.
Account closed and the balance that is on my credit report is incorrect. I file a complaint with the creditor ( # XXXX ) and they verified that there was no information in regards to myself nor the balance. I sent in documents to XXXX and TransUnion for this account be removed based on the creditors lack of verification. XXXX has removed it from my report.
I have disputed the late payment status reported on the account XXXX XXXX XXXX USA with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my credit score.
I lost my home because  Ocwen Financial  lied to me about my low income home modification applications were denied and I had to fill out more the loan modification package 's more than  XXXX  times and the would tell me after I went and paid for faxing them They did n't get them or they could n't find the paperwork I sent them. I did this over and over and finally they said I was not approved. They started foreclosure on me and gave me only 3 month 's to vacate or said I had to pay them in full. They had  XXXX  payments paid ahead and I was n't behind in my payments. I get a letter from the Government that I had been approved for the loan modification for {$250.00} a month. I had to do a quick sell for just {$3000.00} for my home.  Ocwen  caused me so much stress and I went into deep  XXXX  and had a very bad nervous breakdown. I was in the  XXXX   XXXX   XXXX . I lost everything I had worked for my entire life because of Ocwen. The letter I received from the  XXXX  said I could get my home back but it was sold and rented out and destroyed by the renters. I have no money to sue Ocwen and I need help to get my money I lost from my home.
Navient is my loan servicer. I tried to renew my IBR plan and had to go through several different websites to do so, and then submit paperwork on top of it. They dragged out the process so the loan went into a high dollar repayment even though they had my submissions two weeks before the due date. Now they are saying I am late. Because I am not working, this means going from XXXX to over {$900.00} payment which I can not afford!
I have pulled my report and I seen several accounts that are not mine, I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : Item # XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Reason for Correction : I was going over my credit report because I have moved back to XXXX and I just found out that someone has been using my identity. I have never done business with these companies. I was pulling my credit to look into buying a home and I seen addresses that are not mine. I am not sure if the person is using my information is still using it. This is the first time I have been aware of the whole situation. 
According to the provisions of the Fair Credit Reporting Act? 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. 

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of? 612 [ 15 USC? 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you.
attn : CFPB + FDIC Ombudsman Missing international $ wire transaction date XXXX, 2016 sender __me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Bank HSBC HSBC Bank XXXX XXXX Limited Registered Office : HSBC House , XXXX , XXXX XXXX , XXXX , XXXX XXXX Registered Number XXXX Incorporated in XXXX , XXXX XXXX and regulated by the XXXX Financial Services Commission Regulated in the XXXX by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wire transaction XXXX, HSBC XXXX -ABA routing XXXX SWIFT code is XXXX XXXX XXXX XXXX # XXXX revised XXXX XXXX ( details amended ) This wire was never received by the recipient. XXXX XXXX XXXX HSBC XXXX is aware, BUT yet unable or unwilling to trace the missing funds My bank official will confirm XXXX XXXX, XXXX Assistant Vice President - Member Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH, XXXX Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX Please call today __XXXX, XXXX, cell XXXX
I have a debt on my credit for {$1400.00} which was due to XXXX XXXX but I guess they sent it to XXXX XXXX XXXX XXXX credit says it was opened XXXX/XXXX/XXXX. This is not my bill. I have the same company for at least 10 years and never had XXXX. I called XXXX they tried to find account with my name and then then I told them my last 4. Needless to say there was no match. So that means the person used my social security number with fake name. This is on the XXXX and not XXXX ; well at least not yet. I really need this off of my credit. So this XXXX breach has impacted my credit, and I am trying to get a house. Now I have to put it on hold. I am a working class wife and mother of XXXX. Everyone check your credit on a regular.
XXXX XXXX XXXX is a company that I financed two vehicles with. The first loan was completed and paid of successfully. The second loan I had to give the car back which they have sold and refuse to give me the balance that remains on the vehicle which is reporting negatively on my credit report. I have disputed this information with all 3 bureaus and each time XXXX XXXX XXXX reports they are reporting correct information. The amount that reflects on my report is {$9800.00} which is the remaining balance of the original loan. They will not update me on what the remaining balance owed is since the sale of the car.
Harris & Harris XXXX XXXX XXXX XXXX, Illinois XXXXPhone Number : XXXX continually call my phone every morning. I have informed Harris & Harris that this debt is included in Bankruptcy that was file XXXX/XXXX/2014.
Due to unemployment, my account was placed into a 12 month forbearance. The forbearance period expired in  XXXX  and payment was due on the account in  XXXX   2017 . Payment was made on  XXXX   XXXX ,    2017  for  XXXX  's payment due. Student loan co mpany, ACS, processed the payment and applied it to my account. A few weeks later I was noticed via  XXXX  credit monitoring that my account with ACS had been reported as being 30 days delinquent. Payment was never made late and in light of this I filed a dispute with the credit union. ACS did not correct the issue. Furthermore, I have attempted to call ACS on several occasions and have been placed on hold for hours on end. I would like for this payment information to be corrected and for the 30 day pass due status to be removed from my credit reports. This has adversely affected my ability to qualify for a mortgage and I would hate for this dereliction to affect me further. Thank you.
Enerson Law firm sent a " dunning '' letter to consumer dated XX/XX/XXXX on law firm letterhead which violates the Fair Debt Collections Practices Act ( " FDCPA '' ) 15 U.S.C. 15 Section 1692e and 1692f. The law firm commits a number of violations in the letter. The XXXX XXXX notes that " dunning '' letters ( sent on law firm letterhead ) that contain offers to settle 'time-barred ' debt misleads unsophisticated consumers as to the legal status of the debt and violates the FDCPA. Consumer recognizes the debt Enerson Law Firm is attempting to collect is over XXXX 's 4 year statute-of-limitations ( SOL ) law for debt collection. Consumer does not wish continued communication with Enerson Law Firm after this formal ( dispute ) complaint is lodged with the CFPB as the complaint will be tendered as evidence in a court proceeding if necessary. Consumer makes known that - if an agency ( or law firm ) incorporates the use of form collection demands on attorney letterhead the agency ( or law firm ) MUST incorporate " meaningful attorney involvement '' into its collection process ; 15 U.S.C. Section 1692e and XXXX vs Law Offices of XXXX XXXX XXXX XXXX XXXX, No. XXXX. XX/XX/XXXX - US XXXX XXXX. If Enerson Law Firm does not cease contact with Consumer by mail/phone/email consumer will file a state and federal lawsuit against the entity for violations of the FDCPA, FCRA and TCPA. Consumer thanks the Consumer Financial Protection Bureau ( CFPB ) for providing this venue as a viable avenue of documentation and mediation. It is greatly appreciated.
The same Company called XXXX XXXX XXXX ( XXXX ) /XXXX  XXXX XXXX ( XXXX  ) keeps reporting false reporting that's affecting my credit. I am no longer the co-signer of any private loans serviced by XXXX. These loans were included in my Bankruptcy and also listed as a " Charge Off ''. I would like for this company to stop selling the loans to collections agencies regarding loans that are no longer owed.
On XX/XX/XXXX, a payment was scheduled in the amount of {$450.00} of which I was informed that as long as the payment was made before XX/XX/XXXX at that point, nothing would happen to my account. Well, yesterday, I cancelled that payment that was to be taken out on Thursday, XX/XX/XXXX, and scheduled it to be taken out on XXXX XXXX, 2017 ( a day earlier ) of which it is currently processing. American Express, however, suspended my charging capabilities on Thursday, XX/XX/XXXX, with the understanding that the payment would go through on XX/XX/XXXX. <P/>Everything they 've told me over the phone contradicts the actions behind what has happened with my account. I 'm very frustrated with this company at this point. When I ask for the ID of the individuals I 'm speaking with, they refuse to give me that information and act very suspicious about giving me any information.
This was paid off long ago. I paid it over the phone and did not receive any confirmation. It is still showing on my credit as being owed and I still get phone calls.
On XX/XX/XXXX I pulled all three credit reports. Upon reviewing my report there was a number of negative accounts reporting. Two of the accounts were XXXX XXXX ( in  the amounts of {$120.00} and {$310.00} ) and Solomon and Solomon ( collection agency for the aforementioned ). According to the credit reports my last payment to XXXX was XX/XX/XXXX which is legit. I was XXXX overseas in XX/XX/XXXX and at that time informed all creditors to close or place accounts on standby. I also requested final bills if any to be mailed to a alternate address. Since I moved out of the apartment I was renting this account was requested to be closed, following up with a final bill if any. I received all my final bills while XXXX via family with the exception of UI. On my credit report the also waited until XX/XX/XXXX to close the account. At that time I was already in XXXX. I contacted XXXX  as soon as I pulled the report and expressed to them the very words I am writing now to no avail. This was no surprise as I previously had to file a complaint against them for reporting a account on my report that was fraudulent and was proven by furnishing my birth certificate as I was a minor when the account was in use. Nonetheless I thought things could've changed. Moving forward, I contacted Solomon and Solomon as they were representing XXXX to collect the debt. I was unable to reach someone so I left my number. On the same day of realizing I had a debt I wrote Solomon and Solomon a " pay to delete '' letter and sent it certified. On XX/XX/XXXX receive a call from a CSR from Solomon and Solomon stating they received my letter and they agreed with pay to delete, I will just need to pay online. I immediately logged in with the information given to me over the phone and paid the bill. It is now XX/XX/XXXX and they are still reporting on my reports.
I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX - XXXX : I never paid late PREFERRED CUST JEWL - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX BXXXX XXXX XXXX XXXXXXXX : Unverified account
HFC LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX HFC claims they completed an interior valuation on XX/XX/2017. We requested a copy of it per the ECOA Valuations Rule. HFC is refusing to provide a copy of their valuation. This is a violation of the ECOA Valuations Rule. See highlighted sections of the attached ECOA Valuations Rule. HFC claims they are above the law and the CFPB can not do anything to them.
XXXX approved me for its credit card offering 0 % financing for the first six billing cycles, to which I set up auto-pay for the minimum. 

Upon receiving the fifth bill statement, I sent secure message XXXX XX/XX/XXXX XXXX XXXX : " My promotional zero percent financing will end in the sixth billing cycle, XX/XX/XXXX, auto-payment on XX/XX/XXXX. Can I set that and all future payments for the full balance to avoid any finance charges? '' XXXX, XXXX, replied : " Changes to the AutoPay amount will not take effect until your account has gone through a complete billing cycle. '' Since the fifth cycle, XX/XX/XXXX, already completed with a minimum auto-payment set for XX/XX/XXXX, I successfully changed auto-pay for the sixth cycle, XX/XX/XXXX, to full balance for its XX/XX/XXXX payment due date, just as I had asked and XXXX instructed. My XX/XX/XXXX statement shows full payment credited on XX/XX/XXXX, but " XXXXnterest Charged ... .+ {$24.00}. '' I complained to customer service, but XXXX merely replied that since the intro rate expired XX/XX/XXXX, payment for all charges through XX/XX/XXXX was due on XX/XX/XXXX. I argued : " I reasonably relied on your reply that I should set auto-pay to full balance ; you did not say that I must pay the XX/XX/XXXX balance by XX/XX/XXXX, which is impossible. If you had said that I must make full payment by any later day [ ( XX/XX/XXXX ) ] to avoid any interest charges, I would have done so. '' I repeatedly asked to escalate my complaint to a supervisor, who still has not responded.