WillisBack/dataset-financial-user-claim huggingface dataset:
a manager of an apartment complex was trying to charge me XXXX dollars after I paid my last utility bill all of my 12 months of rent were paid up in full and so were my utility bills. But when I was paying my last utility bill as I mentioned above he was assertively charging me the XXXX dollars. In shock at the very outstanding amount I asked the manager why? and for what? The manager then replied that it was because I had kept the key to the apartment for four days, and that every apartment complex would have charged me the same amount for the key because it was a rule which in fact that statement is false. I told him I would agree to pay for the key if that were the case, but XXXX dollars is not even reasonable for just a key. he asked me for my information as a forwarding address and I gave it to him saying he was going to send that amount for XXXX to the collections dept. I told him that, that was illegal misrepresenting such information, such amount, and such barbarity. Once I talked to the debt collectors and disputed it with them they were saying that the manager was charging me for only XXXX dollars. so I am confused. Why are the debt collectors only charging me that from his end, but yet at the time of the whole dilemma he was trying to charge XXXX dollars. to me, because I am the victim he was only trying to get fast and quick money from me but because he did not give me a real legal reason that day and moment as to why I owed him that amount other than blaming it on the key. the debt collectors are saying something completely different as well. they are saying that some is for unpaid utility bills for dirty rooms, unpaid rent etc ... etc ... which in fact are very false and fabricated. it has cause me much headache in these past few months because I started with XXXX credit and only after 2 years I have XXXX as my credit score, because of such false reclamations by this angry manager my credit is not as well as it potentially could be. it is not fair that because he has the authority and access to manipulate my credit in such way only because I would not give in to his greedy and blackmailing ways to tarnish my hard earned credit. the manager position in an apartment complex has a lot of responsibility and this man was not fair nor responsible in handling my business nor addressing any situation with me that day other than threatening me with my credit to give him XXXX dollars for which I did n't know what it was going into nor what for. that is why I do not owe this ridiculous amount. he should be the one to pay the debt collectors for their time and hassle of coming to me with something they are taking as a delinquency and I know is a false blackmail strategy that affects me in one way or the other I am personally damaged and financially damaged because of this and I will not tolerate it anymore. I want to take the respective action to have this dispute resolved as soon as possible so I can move on in a positive manner with my credit and my financial stand point
I sent letters disputing my accounts on my Transunion Credit Report. Company stated that status was sent via email. I asked what email address they had and they responded they did no have an email address for me. They have not sent anything verifying my signature for any of the debts I disputed.
To Whom it may concern : I am writing to file a complaint against Ocwen Loan Servicing , LLC in connection with the denial of a loan modification submitted as part of the National Ocwen Settlement ( https : //nationalocwensettlement.com/ ). After submitting all requested paperwork to make a settlement claim for modification of the mortgage on my primary residence, I received the attached denial letter from Ocwen. The denial states as follows : '' We are unable to offer you a Home Affordable Modification because : The Owner of your loan does not allow modifications. Please note, not all eligibility factors were evaluated. 

We are unable to offer you a Shared Appreciation Modification because : Unfortunately, the owner of your loan does not allowloan modifications. Please note, not all eligibility factors were evaluated. 

We are unable to offer you a proprietary modification because : Unfortunately, the owner of your loan does not allow loanmodifications. Please note, not all eligibility factors were evaluated. 

According to our records, XXXX XXXX XXXX XXXX XXXX, As XXXX For XXXX XXXX XXXX XXXX XXXX XXXX, Mortgage-Backed Pass-Through Certificates Series XXXX is the owner of your loan. " For the past four years, I have attempted to modify the mortgage on my primary residence located at XXXX XXXX XXXX XXXX XXXX, WA XXXX. 
During the recession I lost a job in a field I 'd been employed in for over 20 years. 
My husband is the owner of a restaurant and had also fallen on difficult financial times in XX/XX/XXXX. 
I put 20 % down on this property and never refinanced. 
I made my payments and we had money saved. 
We depleted all of our retirement and savings in a 1 1/2 years, between having to loan money to the businesses and keeping our bills up. 
I contacted the mortgage company at the time and went to a foreclosure counseling, provided by the lender. 
I brought all documentation. 
At that time, I was told I was a prime candidate for a mortgage modification. There was never any disclosure made to me that my loan prohibited modification. 
To date, I have submitted at least XXXX MOD packages that I can account for. 

I am now facing a foreclosure lawsuit initiated by the lawyers for Ocwen in the name of the trust. A summary judgment hearing is scheduled for XX/XX/XXXX and I have yet to receive any response to the appeal filed in connection with my modification request made pursuant to the National Ocwen Settlement. 

I am XXXX years old and I do not want to lose my home. I 'm ready, willing and able to make mortgage payments on my house. I 'm hopeful that the CFPB can help me with a settlement claim so I can keep my home. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
I HAD RECIVED A COLLECTION NOTICE DATED XX/XX/2018 FROM XXXX XXXX XXXX XXXX, FOR THE AMOUNT OF {$1200.00} AND IS OFFERING A HALF PRICE TO SETTLE WITH THEM. 

I DO NOT RECONIZED SUCH OUTSTANDING DEBT. 

WHEN I CALLED THE COLLECTOR, A LADY FROM XXXX PICK UP FROM THE OTHER END KNOWS MY NAME AND STARS TO ASK PERSONAL DATA FROM ME. AFTER I CONFRONTED HER I DO NOT RECOGNIZE SUCH ACCUSATION AND THAT I WILL ALSO MAKE A COMPLAINT TO FDCPA, THE LADY THEN CHANGE HER STORY AND JUST HUNG UP.
An address I do not recognize has appeared on my credit report. I have never lived or worked at the following address : XXXX XXXX XXXX XXXX XXXX, NY XXXX.
I purchased an used car at XXXX  XXXX and was approved for the loan through capital one with a 18 percent interest which is understandably high but when i first made my payments with this lender my interest seem to be applied correctly on my first loan and when i called to make the payment i heard the representative state to her co worker that the interest was applied incorrectly and she need to get my account to an account manager to fix that error since that day all my payments has been only applied to my interest instead of my principal in which i believe the statement she made was a deceptive statement. i called uncountable times to fix this issue and capital one can not give no explaination i called XX/XX/18 and was told basically a repeated verbatim script and i need corporate to throughly investigate this matter
I had a PNC custodial account set up for my daughter in MY name and hers. My soon to be ex-husband was somehow given information about said account from the branch he banks with.
Chase sent my credit card to the wrong address. They then lied and claimed it was the address on file. I reached out to their customer service department but they keep blowing me off. They claim that my card was sent to the address on file, but that 's just not true. They refuse to accept responsibility for mailing my card to a different address and potentially compromising my data. I suspect that this was Chase committing fraud and trying to act like XXXX. There is no way to get a straight answer from them as their customer service just sends template brush off e-mails.
I have been in dispute with XXXX XXXX XXXX which is a timeshare since XXXX. I pulled my credit and Concord Services has marked my credit that I am in collections but never gave me written notice of this. I should not be in collections because this is a disputed contract.
I have received multiple calls PER DAY from different numbers, all claiming to be affiliated with the National Student Loan Forgiveness Program associated with the Department of Education. The call begins with a recorded message saying " this is truly a final attempt to reach you ... '' due to XXXX  failing to notify their borrowers of forgiveness programs available to them. After over a year of these calls, blocking dozens of numbers, and asking repeatedly to be removed from the list, the calls continue. 

I am having no problems repaying my loan, and my annual-salary-to-debt-owed ratio is such that I do not qualify for any of these programs anyway. I have reiterated this multiple times, and yet every day the calls roll in ( just ignored one of them while typing this, in fact ). It occurs mostly during work hours on weekdays, but I've had the occasional call past business hours and on weekends. It is borderline harassment that they keep calling my personal cell phone at all hours, to no end, after I have gone through their process multiple times to appease them and land on the answer that I already know is coming. 

I may have filled out a survey years ago out of curiosity, searching for ways to lower my overall amount owed, but this is ridiculous that this continues. I would like to know the end-all way to stop these calls, which have consumed a larger percentage of my waking hours than I'd care to admit. Does anyone else have this problem? Is there any suggested way to ward them off when the first point of contact is obviously someone who does not have the authority to remove me from a " list ''? 

I would greatly appreciate any information you can provide. 

Thanks, XXXX XXXX
They start calling at XXXX and call numerous times a day. Every day from different numbers for 2 weeks straight.
Medical Data Systems sent debt to 3 credit bureaus for amount {$340.00}, date of service X/X/2016. I explained I was n't seen at XXXX Medcial Center. And could they please forward me validation of signature also identification. They advised no they do n't have information.
RE : JP Morgan Chase Account ending in XXXXI think {$830.00} in overdraft fees and interest on fees is rather usurious. 
I have been advised by a consumer protection attorney that there is a very strong case here for a class action, but really I 'd rather not tie up the court system and would rather have an uneventful resolution to this matter. 

I have been advised by council to try to seek a resolution through the CFPB.
Please be aware, that your question : [ " Have you disputed the issue with the credit reporting company and received a final response? ] [ Yes ] [ No ] is flawed, in the fact that I HAVE disputed the issue with the credit reporting agency, but they HAVE NOT, provided a final response in over 42 days, therefore it is not possible to select a proper answer on your form. Please continue below ... 
XXXX XX/XX/2016 I logged into my XXXX account and discovered an inquiry on my credit report that was not authorized by me. The date is from more than a year ago. After doing some research, I discovered that this inquiry is from XXXX, and I found out that many many other consumers were also reporting this same unauthorized activity and there are endless articles found all over the internet regarding it. 

I immediately filed a dispute online with Experian on XX/XX/XXXX. On XX/XX/XXXX, I received ONE computer generated Email from Experian claiming that the investigation is still ongoing and should be completed by XX/XX/XXXX. Well, Today is now XX/XX/XXXX and there has been no resolution, no further contact, and absolutely no way to contact Experian other than by writing an old fashion letter and paying the postal guy to deliver it. Nonsense. 

There is plenty of public evidence circulating around that proves that this is an unauthorized XXXX inquiry. Experian has still NOT removed it, nor even bothered to do their job and follow up with the results of the investigation. I am not on my home computer at the submission of this complaint, and can provide further documentation upon request.
We started a car loan with Santander back in XXXX for a truck in the amount of {$16000.00} for 72 months. It is now XXXX and our current balance is {$8900.00} and even after talking to several customer service reps from other countries and managers I still do not understand why. I do admit that we have been late on some of our payments, asked for XXXX extensions, and had six months of agreed partial payments but this remaining balance does not add up. XXXX of the representatives noted that we had made XXXX payments of XXXX and that part of the payments we going to interest and part was going to principle depending on the number of days between payments ( interest is {$5.00} a day ) and in old math if we made a payment every 30 days and you multiplied by {$5.00} of interest by XXXX the amount is {$160.00} which would be the interest deducted from my payment of {$410.00}. I looked at my account and saw absurd amounts of late fees and interest charges that were deducted from my monthly payments. I also noticed that for the entire XXXX of payments ( XX/XX/XXXX ) none of my payments were being added to principle but all were going towards interest. I was also told that my interest was 21.99 % on my contract which I know was 11 % when we signed the contract. The representative stated that we have made XXXX payments of {$410.00} and that our contract would have matured this years XXXX but, due to extensions ( only XXXX ) and six months of partial payments of {$250.00} that our balance is currently {$8900.00}, something is not right. If we have made XXXX payments of {$410.00} which equals {$27000.00} and if you deduct interest of {$160.00} multiplied by XXXX payments that comes out to XXXX. The payment amount of $ XXXXXXXXsubtracted by the interest of XXXX leaves a payment of XXXX. The contract was started with a balance of XXXX so, how do we owe a balance of {$8.00}. We should have a credit of XXXX and if you add in the 6 months of extensions and XXXX partial payments that comes to {$3400.00} and then deduct the {$250.00} which leaves a balance of {$3100.00} which makes sense. This company has been falsifying records by changing documents, charging outlandish interest charges and late fees and justifying their erroneous practices with predatory contracts on hard working families. Companies such as these need to be investigated thoroughly and blocked from targeting people with credit issues or are trying to establish credit. We have been paying on this truck for nearly 7 years and according to Santander still owe more than half the original balance. There is no bank or auto loan company that I have ever had or know that has used such unethical practices as Santander.
Our mortgage was sold t o Bayview Loan  Servicing from  XXXX   XXXX  Florida around  XXXX   XXXX . Loan #  XXXX .   For the first 3 months they (  Bayview Loan Servicing Loan Servicing LLC ) h andled everything right. But in  XXXX   XXXX  everything went down hill. This company issued us a   Escrow check to us. Now we have never had a Escrow account. We believe that we need to pay our own Insurance and property taxes, this way we have control of all payments.
We called Bayview and told them this is not our money and we do n't have an Escrow account. Bayview told us to send the check back and we did as told even Certified Return Receipted it. Bayview   received it back and then put it toward payment on  our Loan Account. Bayview then took it off, and then put it towards an Escrow then took it off again, then they put it towards Insurance again had to take it off as we showed proof of Insurance for the third time. We always pay with a money Order every month but Bayview s aid we did n't. Showed proof in  XXXX   XXXX , Then it happened again in  XXXX  and  XXXX   XXXX , Showed proof of payments. In the mean time  Bayview reported to Credit Agencies of Non payment or Late payment or Delinquent. Then Bayview th reatened us with Foreclosure for no or late payments. I had called them every time that our billing statement was wrong  or Credit Agency Report was wrong report. My last call to the Corporate Office and talked with   XXXX   from the ( Customer Advocate Team ) he said I was right on all aspects and the Corporate Office was the one  in DEFAULT this was said to me on  XXXX / XXXX / XXXX  @  XXXX   XXXX  from the number  XXXX . I asked him what they are going to do about our Credit Report and he said nothing and if I ever call to only talk to him as he is the only one working on our case. Then low and behold we get a statement from  Bayview th at they sold our Loan to another Company called  XXXX   XXXX   XXXX   XXXX   XXXX  and not to send any more payments to Bayview.   This is the   4th time our Mortgage has been sold. Seems like every time we catch them in Fraud or Threatening us for Breach of Written Contract they sell us off. We do n't get it.
If your Agency can help others th  at is great.
On XX/XX/XXXX I purchased concert tickets from a 3rd party re seller with my capital one credit card. I received the tickets a week later and the day that I went to the concert venue I was denied access. The front gate representatives stated that the tickets on my smart phone were not valid. I never received what I paid for and the credit card company didnt want to help me. The credit card company stated that its my responsibility to get my refund from the merchant. They have not helped at all in the process. I spent numerous times trying to contact the merchant and the credit card company with no help. I responded to the merchant response in my first dispute telling them that I have notified the merchant right away that I was denied access into the venue. How is that my fault that I have get a letter of denial from the venue! They should be responsible for that part of the investigation. Especially since the merchant sold me a fraudulent concert ticket! 

Now, the credit card company charged me a late fee and they charged me interest. And telling me I have to pay for services I never received!
Marital Home was foreclosed on in XX/XX/XXXX, and the time of the foreclosure my now ex husband and I were in the process of divorce. In XX/XX/XXXX, the ex was given the marital home with order to pay all financial responsibilities on the home. 
Despite calling XXXX XXXX to update my address, I was never provided with any information regarding when the loan was defaulted on, remedies which were being discussed between my ex and XXXX XXXX, any updated information about the foreclosure or any information what took place during this process or how to find out about anything on the loan for which I was responsible. Furthermore, I later discovered the ex withdrew my name off of the Homeowners Insurance policy prior to the divorce and added his son on the policy with XXXX XXXX. I also later learned that XXXX XXXX paid my ex a sizeable amount to vacate the premises and give up the keys to the home in return for his Right of Redemption. However, none of this information was ever discussed with me and I only found out the Home was actually foreclosed on in a subsequent divorce hearing in XXXX County Family Court. 
In addition, Ive had to answer in court process to XXXX XXXX for the HELOC Loan which  was also secured by this Home. XXXX XXXX has had zero problems in reaching me by phone and mail, which it has sent documents regarding this lawsuit against me, which is currently in ongoing lawsuit. However, Ive yet to receive any information again regarding the information described above in 1st lien for this debt. 
The ex had the financial ability to pay both of these debts, however simply choose not to pay to ruin my credit, make sure I received no equity or the possibility of securing the home later. XXXX XXXX also changed both monthly bills addresses for the 1st lien and the HELOC lien to my exs company address, which was conveniently hidden from me. While I understand Regions Mortgage can not be held responsible for my exs lack of communication, I am appalled something like this is allowed to happen without any consideration of my input when I too was responsible for the Note.
I applied for the Citi Double Cash Credit card online ( 2 % cash back ) around XX/XX/2018. After 2 days I called Citi to inquire about the application. I was told my credit is not a concern but they need to process me through their security. 
I was told they will get in touch in me. On XX/XX/2018 I got a notice of an incomplete application. There were no specifics only a number I should call. So I called Citi. I was put through the security department. I inquired why have you stopped reviewing my application what information did they need from me? The agent asked me what number can I be reached at. I told him the one I am calling from and that this is my cell phone and only number. The agent then asked me is there no other number that I can be reached. I said no and he agreed to call me back in 5 minutes on my cellphone so that he can verify I am who I say I am. Agent did not call back. I called that department again three times during that week and I was given the run around and eventually I was told my application has been declined and that a written notice to explain why had been sent out. On XX/XX/2018 I got the notice of a declined application where they said we couldnt verify the accuracy of the information you provided. I am writing this complaint because Citi handled this item very poorly and unprofessionally. I made myself available and I called the number as asked. The agent did not do anything to try verify the so called information they needed. Citi ran my credit and impact my credit score and they should be held accountable.
Good morning, I bought my car in 2011. We pay XXXX dollars in cash. 
Registration When I had no knowledge that the words ' 'one lien Recorded ' meant I owed money to the bank. My XXXX is not good now, and at that time was worse. 
I sold my car XXXX days ago as litter, they paid me {$250.00}, and the person handling the crane said I owed money to the bank. The data take my license, and I explained that I had to communicate with the bank. Try every possible way and I could never reach anyone. For this reason it is that I present this complaint and let me know what else I can do. I not owe money and I would like to clean that my recod. I would like to add that I never received any letter from the bank in XXXX years. Thanks and could please answer in XXXX? I would greatly appreciate it.
Midland Funding LLC filed a lawsuit against me for an alleged debt they allegedly purchased from XXXX. I had sent them a Notice of Dispute/debt Validation but they did not validate the debt. I settled with them for a nuisance value of {$1000.00}. However, they have issued a XXXX for cancelled debt which is not mine. I have disputed this XXXX with IRS and Midland, who have failed to provide proof of ownership or validation of this debt. 

Also, this issue arose XX/XX/XXXX and Midland Funding issued the XXXX directly to IRS with NO copy to me or my Attorney. Is this legal? this is under-handed tactic and I only became aware of this as I was audited by the IRS XX/XX/XXXX for failing to declare this XXXXof XX/XX/XXXX, of which I had no knowledge.
XXXX XXXX Bank allowed someone to take a credit card out in my name without even a form signed. The person lived at my address ( family member ). 

This case has been to court, where it ruled in my favour against the debt collector the account went to, and was removed from my credit report. However a year later this still negatively affects my credit report by showing this XXXX XXXX Account I'm not responsible for.