WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, i moved into an apartment community by the name of XXXX XXXX. During my stay the community switched management to XXXX XXXX XXXX. I Occupied the unit for exactly 12 months and gave proper notice to vacate. I signed my new lease in another city in XX/XX/XXXX. 

It was later reviled that the leasing company added a debt owed of XXXX. Stating that i did not leave my unit until XX/XX/XXXX. 

This balance is incorrect and inaccurate. i went to the community several times to see proof of their charges. They provided me with a ledger with all the wrong dates and information on it. The manager on duty was rude each time and gave me no help at all. She claims she has pictures, If she does it should have dates on it. The information from the ledger is not right. I need receipts of proof for this debt. 

I am asking for you to fully investigate this inaccuracy. Validate and delete the wrong information from my credit reports.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
I was advised to consolidate my XXXX parent plus loans ; I was told my payments would be lower. I financed {$67000.00}. combined and I later found out I now owe $ XXXX. When we make payments the balance increases instead of decreasing. I was told to apply for the wrong type of loan. I do n't pay this loan my daughter does and she earns half of what I earn and yet they told me to apply for the income driven loan. Her payments are about {$500.00}. a month, graduated. They will increase every two years, I was told over till 348 months go by. This is robbery! Today I found out all our payments only go to interest of course this loan will never be repaid. I 'm outraged how this kind of abuse is permitted by our government is unimaginable, it sounds like a real estate racket to me, this is wrong! Why would anyone want to pay for something forever without making a dent in their debt? We even asked to transfer the loan under her name in hopes of a lower payment/interest and balance due to her income and they refused to help us. This is not right, someone has to put a stop to this robbery. Every time I speak to someone for help with more options I hear a different story as if they make this stuff up along the way. This is horrifying and now my credit is forever ruined and I can not even think of buying a home, ever and I 'm XXXX. This is beyond extreme. What can I do?
On XX/X/2017 XXXX XXXX XXXX aquireed a fraudulent debt from XXXX XXXX XXXX. I have sent in several validation letters to the company as well as my police report filed stating my identity was stolen around the time of this loan was taken out. Still without any avial they have n't made any attempts in resolving this matter. I have started filing a lawsuit against the company for it unfair and unpractical debt practices. they arent licensed to collect sets in the state of Georgia yet they still attempt to collect this fraudulent account debt from me. It is affecting my credit as well as my ability to purchase a new home for myself and my children. This debt was old to them by Santander who has since stated that the debt was fraudulent and have removed me out of their system. now i need XXXX XXXX to do the same.
Approximately Mid XX/XX/2016 I attempted to purchase a vehicle. The dealer ran a Equifax credit report and the dealer reported back the credit score was unavailable because I was reported deceased. I attempted to contact Equifax by direct phone call and was unsuccessful. I utilized their required on line request for a report based on a contested report and received a report that my file could not be opened. I then requested one by mail and included the required fee in an attempt to repair the error and included a copy of my drivers license and social security card as requested on the form in early XXXX. I shortly again received another form letter again stating the report is unavailable. The document they returned again only included the same automated help lines that I started with giving me no additional resources to try and attempt to repair this major error in their files. I also attempted to get credit for XXXX for my XXXX and XXXX husband and was again refused due to this grievous error in their reporting system. I in the mean time went to a social security office and they still list me in a living state so I am completely unaware where Equifax started this error. I personally have XXXX and the inability to purchase a car for transportation and XXXX for my XXXX and XXXX husband are making it difficult to maintain our jobs without extreme difficulty.
Found Clarity Services Credit inquiry alert. I did not apply for credit and have no knowledge if this company. Since this happened in the last 24 hours my email has been flooded with payday loan inquiries.
XXXX XXXX, Settlement Director with Atlantic Recovery Solutions, LLC contacted my father via his cell phone and told him that ARS was trying to collect on a debt that I have. XXXX XXXX proceeded to email my father a document to his personal email stating that they are trying to collect a debt on behalf of XXXX. Per the FDCPA, it is illegal for a debt collector to share any information regarding a debt with a XXXX party other than the conusmer, their spouse or an attorney. My father called me and forwarded me the document that XXXX XXXX had emailed him. I immediately checked my credit report and there is no reporting of this debt with any of the XXXX credit bureau agencies. I attempted to contact XXXX XXXX to obtain more information at XXXX x XXXX and spoke with XXXX XXXX, XXXX of the account representatives, she then transferred me to XXXX XXXX at XXXX who states that she is their compliance officer. I gave XXXX XXXX my name and she asked for me to confirm my father 's phone number and his social security number. I told her that I would not give her that information. She confirmed the last XXXX digits of my SS # and proceeded to tell me that XXXX has been trying to collect a debt for unpaid overdraft fees on an account that has been inactive for XXXX years. She indicated that XXXX, the original creditor, another collection agency by the name of XXXX XXXX XXXX and finally Atlantic Recovery Solutions have been trying to contact me for XXXX years to recover this debt. I asked how they had tried to contact me and she told me they had tried to call and had sent numerous letters. I asked for the numbers that they tried to reach me-they had a list of XXXX phone numbers that they had attempted to use to contact me-only XXXX of them belonged to me, the rest were for friends and family members. She indicated that there had been numerous letters sent to me trying to collect the debt. I have not received any letters from XXXX, XXXX XXXX XXXX or Atlantic Recovery Solutions even though they have my address on record. I told her that her organization was in violation of the FDCPA by sharing my information not only over the phone with a third party but also electronically. I also requested that a letter of validation regarding the debt be sent to me.
To Whom It May Concern, My name is XXXX XXXX. I currently have a XXXX Chase credit card ( " the credit card '' ). During this time frame I have used the credit card for many large purchases including travel. I 've always enjoyed the customer service and the card itself. 

However, in the last few months, with a XXXX baby born in XX/XX/XXXX, my wife and I decided to start attempting to pay down all of our outstanding debts. We saved for 5 months in order to accumulate the appropriate amount of money to pay off the credit card as a lump payment. I received my XX/XX/XXXX statement on the XXXX and a payment due date of XX/XX/XXXX. On XX/XX/XXXX, I issued a payment of over {$4000.00} to pay and eradicate this fairly large credit card bill. At the time of payment I went through the online payment system as I did every month. Once the payment was processed my wife and I sighed a sigh of relief to have paid off that large of a debt in one lump sum, as it is not easy to do now-a-days and with the new baby. 

Then, my wife randomly checked the XXXX account to see our points total, and she noted a balance of {$49.00} for interest charges. I called and spoke with a customer service representative and a supervisor however, neither of them had an answer to my question and concern. 

I 'm extremely dissatisfied with that fact that when I paid a large payment of over {$4000.00} there was no message or information that would indicate to me that additional charges would possible to be incurred to me within the next month due to unaccrued interest. I feel that the absence of such information on their website when making such a large payment is extremely misleading. As the system should be able to flag that the account is being paid off and a message would be made available that would indicate the aforementioned information. The website is extremely misleading and I truly feel it is unfair that I 'm now forced to pay an additional {$49.00} when I thought I paid off my entire balance. 

I truly feel that by not giving a customer a complete or total balance to be paid off is misleading and unfair. Even their supervisor mentioned that had I even called to make my payment they would not be made aware of the total interest charges I would be charged. So had my wife and I not checked the account for our points balance, and maybe not looked at the next statement because we figured we paid off the account, I would then be on hook for not only the {$49.00} but the late charge fees plus additional interest charges again. 

I would greatly appreciate any information someone could provide as to how this is going to be settled and or what the resolution would be for not only my self but every one of their customers. Please feel free to call me at anytime during normal working hours EST, XXXX, or email me at XXXXXXXXXXXX. 

I thank you in advance for all of your assistant and information. 

Regards, XXXX XXXX
I 've been trying to dispute some inaccuracies on my credit reports. For some reason the credit bureaus NEVER respond back to me. That 's pretty strange because i know it is my right to dispute any inaccuracies i notice. Is that legal? Please investigate the following accounts. 


XXXX XXXXThe date of last activity is not reporting right. 
XXXX XXXX XXXX XXXXThis account is inaccurate. Three collector 's are trying to collect on this one debt. The balance owed is not correct. 
XXXX XXXX XXXXXXXXXXXXXXX XXXI have never done business with nor have i been contacted by this company about this debt. 
XXXX XXXXThe rating on this account is wrong XXXX  XXXXThe balance should be {$0.00}. 
XXXX XXXX XXXXThis company is illegally collecting on this account. They are not licensed to collect debts in Louisiana and that is ILLEGAL. 
XXXX XXXX XXXX XXXXthis account in inaccurate. 
XXXX XXXX XXXX XXXXThe date of last activity is incorrect. 
XXXX XXXX 've never done buisness with XXXX XXXX XXXX XXXXThis creditor along with two others are attempting to collect this debt. This company no longer has this debt. Please remove.
I have filed numerous complaints with   XXXX   XXXX   regarding fraud on my credit report.  XXXX  has reported a charge off on a credit card that I never signed up to be a joint owner on. I requested proof or any kind of validation records showing my identity and  XXXX  has been unable to provide anything to me. They have disregarded my request and continued to report this error. I filed an ID theft report and submitted it to all   XXXX    credit reporting agencies and   XXXX   has neither answered the request, nor have they deleted the error from my report.     To my knowledge, I have done everything on my end ( including a fraud alert placement  ) to keep mysel f protected. the last stated balanced amount owed is  XXXX .  XXXX  has stalled the investigation process by simply continuing to ask me to send in more information to prove my identity.  XXXX  should have my identity information if proper channels were followed to open a credit card in my name.     The credit reporting agencies only give me a standard computerized generated response. I can tell that there is not a live person looking into my complaint.
Attempted to Foreclose on Property without proper documentation. 

Using a Shell Company to attempt to Cover-up the False Documents.
Everytime that I call Navient I get a different response, I 'm trying to lower my payments, twice they have forbereance my account and add interest to it at the end of forbearance also I tried the IBR program which it said for 10 years but then they sent me letters that I need to reapply every year after the forbearance is over and the payment is way to higher that I cant afford.
I CALLED BOTH PARTIES INVOLVED AND HAVE NOT GOTTEN ANY RESOLUTION as i only applied one time but its showing up twice on my credit report.
VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance  procedures XXXX XXXX XXXX # XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX # XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX  XXXX XXXX, NC XXXX BYMAILONLY THIS ACCOUNT DOES NOT BELONG T ME PLEASE REMOVE IT CREDIT CAN NOT LEGALLY VERIFY MY INFORMATION OR ANY AGREEMENT
I received a phone call through my employer which I 've told this company to NOT do in my previous complaint. However I asked this creditor to send me documentation proving the debt which they did send. I called the insurance company to investigate if the charges were correct. I called ACS and left a message advising the insurance company was investigating the bills and to allow time for that. ACS NEVER followed up to check the status of XXXX 's investigation and file suit against me. I provided ACS a vaild phone number to reach me which they NEVER called to see if I personally had any update or anything. ACS filing suit against me WITHOUT verifing XXXX determination is violation to MY RIGHT to verify this debt.
This complaint is about the Loan Servicer RUSHMORE LOAN MANAGEMENT SERVICES, LLCOn XXXX/XXXX/XXXX, before the Tenant Protection Act expired on XXXX/XXXX/XXXX, we signed a residential lease with the owner of the property located at XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, FL XXXX, for XXXX year which was exended until XXXX/XXXX/XXXX, because the XXXX association took longer to get us approved. The property sold and the purchaser was the plaintiff/bank who is NOT going to occupy the property. We believe we are covered under the TPA because the lease was singed before the act expired. However, the attorney IRA XXXX XXXX representing the Loan Servicer RUSHMORE, is completely ignoring this act and does not want to honor the terms of the lease to allows to stay in the property until XXXX/XXXX/XXXX. He wants us out by XXXX/XXXX/XXXX, in two weeks. 

My questions to you are : Are we covered under this act since we signed the lease before the expiration of the act? What can we do to force them to honor our lease? 
I will be XXXX years old in XXXX XXXX, and need the extra time to find another placeI will appreciate your prompt response to this email and please forward to the the proper enitySincerelyXXXX XXXX
Hello, Yesterday ( XXXX ) afternoon, around XXXX cst, I attempted to transfer money from my " XXXX XXXX '' to my main account. I have since tried multiple times without gaining access to my funds. XXXX XXXX allows me to budget during each week. The money is still in my account & visible but I can not spend it until I transfer it back to the primary account. I have continuously received an error stating the feature is not currently available via app & their website. I have contacted them by phone, unable to get to a live person, by email which advised me that service was also down after I pushed send & through their XXXX customer service & received an auto reply. All without getting an answer. There, on XXXX, I saw others were having the same issue, some had not received their direct deposits as of last night. I just need access to the last of my funds, {$50.00} before I end my relationship with this company. Thank you
When I check my credit report comes up as a negative on my credit report Completed the loan modification process so everything should be good now on my mortgage and I need this to show on my credit score so can get my credit score to 6 or above as I need to do.
1. Company ( XXXX XXXX XXXX ) charging that moneys are owed for services from 2018 membership after I told their staff that I would not be returning due to illness problems. 
2. Lawyers ( Aldous & Associates ) representing Company ( XXXX XXXX XXXX ) sent me a letter which i returned a letter disputing the charges owed which I disputed back in XXXX 2018 and they never responded to my letter request. 
3. Being harassed by weekly and sometimes daily phone messages. 
4. The amount their trying to collect represents a $ 10/month membership charge and I believe a $ 50 yearly fee which I never used their facility after cancelling my membership at their front desk. This was the only way I new how to cancel a membership as there is no written or verbal information give to me on how to cancel a membership. 
5. It appears to me like extortion on a XXXX citizen. They put a derogatory charge on my credit report but I'm not giving in to their ways and I'm hoping that your agency can put an end to this ongoing problem. Its not the money as much as the way they do business. 

Thank you
I told them that I filled chapter XXXX numerous of times and they keep contacting me. I give them the case # and the discharge date.
PORTFOLIO RECOVERY XXXX, VA XXXX, Reports All XXXX credit reporting companies false starting dates for debt REAGING XXXX XXXX XXXX, requested that they not contact me until the issue was resolved still calls
On Wednesday XXXX XXXX I solid {$1900.00} worth of XXXX XXXX on coinbase. {$1800.00} of which should have went into my XXXX wallet on their site as cash. The remaining {$28.00} was their transaction fee. As of this complaint i still have not received the money from the sale. After opening a complaint ticket that has only been replied to with a non related automated response and the waiting a total of XXXX hours on hold over the course of 3 days I was informed the money was sent to a nonexistent address and I would just have to wait. This does n't make any sense I have executed several transactions before and after this incident exactly the same way and it was fine. The system only requires you to click the icon for you XXXX wallet and then select your XXXX wallet to execute a sale at no point are you required to enter any information. So the possibility of a data entry error on my end is absolutely 0 %. I have now been waiting 14 days for a remedy.
I have a loan with EXETER FI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and EXETER FI with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
GM Financial has a fraudulent account in my name. They 're refusing to remove it from my credit report after I 've provided them with my identity theft report and identity theft affidavit. I did not open this account or apply for it. I am a victim of identity theft.
Due to a fraudulent scam activity, a check of amount USD XXXX from my account was cashed out by someone. As soon as I became aware if this fraud/ scam, I called the bank to report. I filled out and submitted fraudulent activity form and also filed a report with the police. 
The bank used delaying tactics and asked me to contact one after another person / customer service. In order for police to take action and trace down the suspect based on my report, police investigator asked that I contact my bank and get the address and other details where the check was cashed out. I requested my bank numerous times but they again used various delaying tactics and excused that the back image of check was not readable. After repeated attempts and insisting that bank should use money tranfer process to trace where the check was cashed out, finally the bank released partial info but by then it was too late ( over about two years ) that police have closed my report. When I asked my bank to reimburse me, I was informed that bank can not reimburse me because it was too late. Hence, I lost my {$550.00} from the bank due to its delaying tactics, refused to give me the details asked by police department and the bank not being able to secure my money.
My girlfriend and I moved from an apartment complex 4 months ago. XXXX. The local police and apartment complex were notified. We moved out of the apartment a week later in fear for our well being. Today, my girlfriend was contacted and and verbally assaulted by multiple employees from IQ Data International. Stating that if she does n't make a full payment of $ XXXX bad things will happen, along with a slew of curse words. She called back to get more information and was again verbally assaulted. My girlfriend contacted the apartment complex and the manager felt bad about the whole thing but said it is out of her hands.
I have SEVERAL unauthorized credit inquires showing on my credit report. I have disputed these inquiries twice with XXXX, Equifax, and XXXX and received a letter stating that they would have to remain on my credit report because they are under 2years old. As a result of one of my last phone conversations with XXXX, a 90 day fraud alert was place on my report with all three bureaus. I am in NO way liable for these inquiries and would like for them to be removed. I did not authorize all of these companies to run my credit.
Debt was reported to the credit agency, no contact information. I then received a phone call the caller did not identify himself just the agency he was calling from and reason for the call, I inform him that the insurance company paid the debt and I was not responsible for the entire amount just {$57.00} copayment. He then proceed to tell me how embarrassed I should be and I could be sued and my wages garnished if I did not pay. Or if I wanted to have the derogatory mark on my credit for 7 years he would see to it.