WillisBack/dataset-financial-user-claim huggingface dataset:
I received a collection letter from a company called Southern Service Systems on XX/XX/XXXX. Trying to collect on a debt from a home I lived in last year when I was on HUD. I stayed out there for 3 yrs and never had a problem until the new manager came and all the old workers left. I was living month to month, had already fulfilled my lease. I didn't pay any rent being that it was income based. I went to the office and put in my 30 day notice to vacate. During the 30 days an inspection was done on the home. They found no problems. I moved out on XX/XX/XXXX. The amount they are saying I owe is XXXX for an unknown reason. I sent a debt validation letter to the agency requesting proof of the debt and what exactly I was being charged for. I received a response on XX/XX/XXXX. It wasn't what I asked for. It was only a printout of the lease and didn't show any amount owed or explanantion. I then called the company directly to see if someone could explain to me and I was unsuccessful.  The lady I spoke with had no clue of what was going on or what the charges was for. First she said rent, I explained that wasn't possible because I put in a 30 day notice and furthermore I didn't pay rent because I was on HUD at that time. There wasn't any damages because an inspection was done prior to me moving. I paid a $XXXX security deposit before I moved in that was never returned to me when I moved out. If it was something owed then it should have been taken out of the deposit being that I didn't get it back.
I reached out to my company on XX/XX/XXXX to defer a payment and I was not approved. I was advised I could make a lesser payment but because I made a partial payment in XX/XX/XXXX I would need to make a full car paymnet. I advsied the agent I only made on partial payment in XX/XX/XXXX prior to my vehicel being repossed and when I paid to get the vehicle back I covered that. I was then advised they cold send me my payment history. I looked at the payment history online as well as my bank statement showing I made a payment un XX/XX/XXXX( which covered XX/XX/XXXX ), a payment in XX/XX/XXXX ( which covered XX/XX/XXXX ) and a payment at the end of XX/XX/XXXX ( Which covered XX/XX/XXXX ). I was advsied they will open case # XXXX, and I should hear something within 72 hours. I called today and had the exact same conversation as I did last friday with no one calling me back and my loan continue to accure fradulent interest and fees.
On or about XXXX of 2014, I made a regular mortgage payment to U.S. Bank. They returned my payment and stated that they do not accept partial payments. When I reached out to U.S. Bank in an attempt to understand what happened, no one could help me or explain what the problem was. 
Every month thereafter they have not accepted my payments because they deemed my XXXX payment a partial payment. 

I am XXXX years old and I do not understand what the problem is. I had enough money to correct any mistakes and make XXXX mortgage payments back in XXXX, but U.S. Bank did not work with me, despite my loan being an FHA loan. 

U.S. Bank has now filed for foreclosure against me, and I still do not understand what happened. They still are not working with me.
Credit Limit Decrease ReportedSince your last update on XXXX XXXX, 2015, XXXX credit card limit has decreased on your credit report. 

Credit Card Balance Previous Limit New Limit Change {$0.00} {$1000.00} {$200.00} - $ XXXX BANK XXXX XXXX Reported By EquifaxYour overall credit card limits have decreased to {$6400.00}. 

Your credit score, and all credit and loan info are provided by ( C ) XXXX XXXX XXXX XXXX XXXX | All Rights Reservedi am alleging racial discrimination was a factor in TD BANK GROUP XXXX XXXX decision of decreasing my credit limit by {$800.00} on or around XXXX 2015. 

There decision was arbitrary and capricious.
Capital One has refused to provide me with a contract with my actual legible signature verifying that I agreed with the terms. They keep sending me dispute letters and copies of the bill statements. I want a copy of the contract with my signature on it.
In XX/XX/XXXX, an additional charge of {$1200.00} was added to my monthly bill. I immediately contacted the lender. They stated that it was not correct and would fix the issue. I continued to get collection phone calls and email. I called the lender again after 3 weeks because my account was still showing passed due. Again, the customer service representative assure me that the issue was being resolved. I have submitted emails to the lender via there website twice with no reply. I am now receiving correspondence in the mail threatening to place my loan in default, garnish wages and taxes and report me to all three credit monitors.
I have previously tried to write letters to have derogatory information removed from my credit report and this company has not removed it. The debt does not belong to me. It is impacting my credit score and prohibiting me from being approved for a home loan.
I 've apply for like XXXX loans just to help me out and not XXXX company load me money I have a job a banker at else do I need man
I contacted Automotive Credit Corporation in regards to a credit inquiry I did not authorize. I was transferred to XXXX XXXX XXXX XXXX whom Collections representatives are extremely rude. They pulled my XXXX report on XX/XX/XXXX without my authorization. When I asked them why they said I signed a contract back in XX/XX/XXXX which authorized them to pull my credit report whenever they feel like it and the contract has no expiration date per XXXX whom was rude. My concern since I have no contract with XXXX XXXX XXXX XXXX they pulled my credit report fraudulently. I did not give them permission on XX/XX/XXXX to pull my report. Automotive Credit Corporation is also reporting to XXXX  incorrect information on a collection account. They are continuously reporting I have a XXXX balance and I have received documents that my current balance owed to them on court documents is XXXX. My employer certified a final statement on garnishment to them with the court ordered amounts. I tried to resolve the issue with them and I am getting no where. Their representatives are rude and do not seem to know what they are talking about. I would like the hard inquiry on my credit report investigated and removed. I will also like them to update my XXXX report with the current amount owed per my court documents or to settle for the said amount in my court documents which is XXXX.
Nationstar  continues to state they have made  no mistake on their servicing, while they continue to state I am one month delinquent, while in reality I am two m onths ahead since signing the modification. I have made all the payments according to the modification, but Nationstar and   XXXX    XXXX   XXXX  have not serviced the loan correctly.
onXXXX 2016 while apply for a new apartment my wife and I found out that we have a judgement that was entered on our credit report for the amount of XXXX for Portofolio recovery. we called them to knew more about the debt. they reffered us to their legal department that is base in North Carolina what is XXXX. we contacted them also to knew more about the debt, the loan. they tald me that the amount of debt was XXXX and we ask them for the original contract and they said, it has been requested and we will get all document supporting the jugment on our credit report, we wait 6 months we did not receive any supporting document just the bill the last couples of day I called them again and again .they seems not to give us a satisfactory responses that is why i am filing this complain
XXXX XXXX, 2016 I talked to representative at Transworld Systems about my student loan account. I never given my new number out and the number that the company had was an old number. After speaking with the individual she was to send me a email via fax system for application as a Financial Disclosure for Reasonable and Affordable Rehabilitation Payments. I filed out this form and on XXXX XXXX, 2016 called and asked for the email to send it I was given a email to fax address. After which this woman representative continue to talk over me or past me trying to collect the debt when I was instructed to talk to woman I spoke to on XX/XX/XXXX. I asked for supervisor but no one would get the woman I spoke to in XX/XX/XXXX on the phone only said she would call be back it never happened. However, later this day XXXX/XXXX/16 I received a call from another company saying the company can lower my amount and payments. Now this was a new number because the it was only when I gave it out to Transworld Systems then I received this call from another company called " XXXX '' department. Today was also when I gave Transworld System the correct number because in there system the number was off by one digit. Therefore, my information and personal debt information was given without my permission and someone in the company gave it to a third party. I was never told that my information would be given to anyone or shared. 
This company that called me was " XXXX '' also texted me that 's third party violation as well because anyone can see text on my phone my wife, sister etc.. 
What I want from this? .. restitution. My reference numbers at Transworld Systems are : XXXX, XXXX. Transworld number XXXX and the number from this company called " XXXX XXXX XXXX '' is : XXXX
I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX
I began taking out my loans through XXXX XXXX years ago. However, I have noticed that with the transfer to Nelnet that my loans sky rocketed. in addition my information was turned over and I was not even aware. In addition I now have multiple loans on my credit report and it is causing issues with me even getting approved for anything.
Tried to reach out to company with Better Business on XXXX/XXXX/17 ; two attempts were made with no response. Advised the company of the following : This company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$7500.00} with XXXX, XXXX, & XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof.
Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am no obligated to pay for the alleged debt.
Per statement it has been determined you can not verify this account and are in violation of the Fair Credit Reporting Act 611 ( a ) { 15 USC 1681i ( a ).
The sales associates are not demonstrating knowledge towards Walmart practices, and are verbally expressing incorrect information. A representative on the phone stated that in order to receive electronic finances, Ex. Moneygram, alternative forms of identification includes passports, credit cards, etc. I had kindly expressed what is addressed via complaint at this time with the associates. However, they did not listen. In addition, another representative previously claimed that a particular practice was per their policy. However, the manager and another associate stated that she was incorrect. It is now to a point where the associates at their location are not knowledgeable towards subjects such as these. Consequently, a complaint is now filed. Their failure to comply had resulted to interference with my own schedule.
On XXXX XXXX, 2015 - RushCard notified me and other members to remove any funds from our accounts on Monday. Being as though I had no money in the account I disregarded the matter. My job would n't have posted my XXXX XXXX until the Following Friday, so in my mind there was no need for me to worry. 

XXXX XXXX, 2015 - RushCard posted my pending deposit to my account in the amount of {$1200.00}, but I was unable to access my funds because the card the money posted to was stolen. I tried to transfer my funds to another account, but system error messages on both the RushCard mobile app and website prevented me from doing so. 

XXXX XXXX, 2015 - I have tried to call RushCard several times about this matter and was told to provide my name, number, address, and someone will contact me. 

XXXX XXXX, 2015 to XXXX XXXX, 2015 - XXXX XXXX reached out to me via XXXX and told me to provide my name, number, and address and someone would reach out to me, I have called the customer service line and was told that same information days to follow, and I still have not received an answer. Every time I call now and request to speak to a representative the call disconnects. The website and the mobile app is still not working. I have not received no answer on when and how my issue will be resolved as of today XXXX XXXX, 2015.
I paid the balances of {$3400.00} to the Amex card company all the supporting documents are attached, and after a some time the amex randomly charged my account with {$25.00} interest and {$25.00} as late fee even though the balances were XXXX after I paid in full, There were no formal intimation via email, postal mail, or phone regarding the balances, its the system error on amex, part, hence I requested for waive off/ XXXX the balance in full faith, I am sure consumer finance will take necessary steps to help the consumer,
InXX/XX/XXXX, I entered into a payment agreement with FMS to get my defaulted school loans in good standing so that I could return to school. After I made 6 payments, I was offered a financial aid package from XXXX XXXX University, and started at the end of XX/XX/XXXX. 

Mysteriously, the payments that I set up with FMS stopped, at which point I was told my account was being sent back to the Department of Education. After I started classes, by XX/XX/XXXX I received an email from the schools financial aid office that they had received notification that I was in default, so I needed to fill out an in-school deferment form, which I did and sent in to the department of education. I heard nothing after that, but applied for financial aid for the school year XX/XX/XXXX. I was notified by email from the school that I was in default, and therefore not eligible for financial aid. 

Furthermore, they have notified me that they have not received the money from the DOE because I am in default. This means that i have been attending school without any secured funding. 

Additionally, I finally made contact with someone from the Department of Education at the end of XXXX, and she said I was eligible for a loan rehabilitation, but I needed to fill out an Income and Expense worksheet, so I did and sent in. I have made the small payment required since then, but have heard nothing, and we are at the end of XXXX. 

So, I need to know : Why am I still in default, if FMS was accepting my payments for 6 months? 
Why was I offered a financial aid package from XXXX XXXX in the fall of XXXX? 
Why have I not heard anything about my loan being rehabilitated since submitting the required paperwork?
Wells Fargo Home Mortgage has several issues with robo signing as well as forged signatures that are not my signatures in which Wells Fargo has yet to produce a real answer or the truth to why my signature was used and sign by some one else in regards to documents. Wells Fargo is always caught up in deceptive practices on there customers. There has yet to be provided to me by them proof that has in XXXX to prove my signature with the issue.
A old debt still remains on my credit report, Account Name XXXX XXXX Account Number XXXX Account Type Revolving Bureau - Equifax Date Open -  XX/XX/XXXX High Limit - {$7600.00} Monthly Payment - Account Balance - {$52000.00} Last Reported - XX/XX/XXXX Account Status - Charge - Off Amount Past Due - XXXX Account Designator - Authorized User
I receive nearly-daily robocalls from ERC debt collection agency, claiming that they need to discuss some debt I owe. 
In actual fact I owe no one any debt, and no debt that I may have owed has been reerred to any collection agent. Nevertheless, the calls continue.
Despite an account being closed for over a decade, Wells Fargo Home Mortgage is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, XXXX and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over 7 years old and must be removed from my credit report.
The Fair Collections and Outsourcing is reporting fraudulant information on my credit reports, transunion, experian, equifax ... The original creditor is XXXX XXXX XXXX XXXX, where I lived ... I eventually had to leave the premises due to a non-liveable apartment ... The first incident was a large water leak that ruined my bedroom furniture ... The leak created mold in the walls and on my carpet in the bedroom and bathroom ... I reported this to XXXX XXXX and it took almost 2 weeks before the maintenance men to deal with the problem ... A large fan was placed in the bedroom to deal with the leak, however, a mess was made, my furniture ruined, and the fan was so noisy I had to vacate the apartment for several weeks until it was fixed ... After several weeks, the management at XXXX XXXX was notified by me, and the regional manager agreed to discuss moving me to another apartment at XXXX XXXX if further problems should arise ... The Regional Manager XXXX, showed up and hour late for our meeting ... I explained to her that the mold, and huge leak was n't the only problems in the apartment ... Cold water, after a new water heater was put in, ants in the kitchen on a daily basis ... Ants in the refrigerator, bugs in the window ceils, bathroom and tub areas ... MOLD ... Window Problems, Washer and Dry Problems, Maintenance Men dumping the lint traps in front of my apartment as well as the Neighbors apartments ... Eventually, the maintenance men and the exterminator were in my apartment on a weekly basis ... .I put in a 30 day Notice to Vacate the Apartment Complex due to non-livable conditions ....
Unverified information I sent two letters to verify my information and they cant I want them to delete everything from my credit report if they cant verify
In XX/XX/XXXX I received a letter from the law firm/collection agency representing XXXX XXXX XXXX regarding my outstanding credit card debt. This letter stated that XXXX XXXX XXXX had agreed to a settlement amount of {$4700.00} that would settle my account if paid by XXXX XXXX, 2016. I called them on XXXX XXXX and made a full payment via a check over the phone of the {$4700.00} and was told that once the funds cleared the bank, my account would be paid in full and closed. The check cleared and the amount of {$4700.00} was issued to Glasser & Glasser on XXXX XXXX. A few days later I received a court issued warrant for a court date in XXXX about the debt. The same day I received a letter of receipt dated XXXX XXXX, 2016 for the settlement of {$4700.00}. A few days later I received another letter of confirmation dated XXXX XXXX that my account would be considered settle in full upon clearance of the funds - which they already had been clear as of XXXX XXXX. After receiving the warrant, I called Glasser and Glasser. At the beginning of the call I am told that I have a balance of {$9500.00}. I tell him, that I paid the settlement on XXXX XXXX and he then says " Yes..I see that is noted ... '' I tell him about getting the warrant and he apologized for the confusion and tells me that the case has been dismissed and later assures me that I will not be receiving anymore conflicting mail and my account is, in fact, settled in full. I called the XXXX Court a few days later to confirm that my case had been dismissed, but it had not yet been dismissed and I still had a standing court date of XXXX XXXX. I asked to be called once the case was dismissed. I have not yet been called as of today, XXXX XXXX. A week later, I receive a letter along with a self-addressed envelope from Glasser & Glasser dated XXXX XXXX, 2016 asking for payment because they had not received it. As of now, I do not know if my account truly as been settled and dismissed. I feel harassed and panicked that I will be charged for more money or worse be jailed if this matter is n't taken care of once and for all. I paid the agreed upon settlement of my debt, I should no longer have to worry about this matter, but Glasser & Glasser continue to harass me with contradicting information and have not done what they say they have done regarding dismissing the court hearing. I called Glasser & Glasser yesterday, XXXX XXXX, but had to leave a message. I have not been called back. I am in fear that this will never go away. I have been out of work for over 2 years, but have been going to school. I have strong prospects for a new job that will be starting soon. I am worried that Glasser & Glasser will continue to come after me and try to garnish my wages for this debt that has already been paid.
I opened a car loan XX/XX/2009 with Nicholas Financial for a XXXX XXXX. The loan was for 54 months at the payment was {$330.00}. I fell behind due to my grandmother getting ill and I had to travel back and forth to Florida to take care of her until she became so ill that I had to relocate. I tried to contact them on several occasions to discuss the situation but to no avail. My car was repoed and during the I was dealing with my grandmother I couldn't give it as much attention as I wanted to. However, I did call several times as well as sent a letter. 

Nicholas Financial sold the car in question and then requested an incorrect balance for me to pay. I am now in search to obtain housing for my grandmother and I and due to this incorrect balance/charge off showing it is very difficult to do so. 

I tried to contact Nicholas to deal with this matter but this time all my correspondence came back. Unfortunately nothing Nicholas financial  promised they did. I understand I'm responsible for the loan, but I truly tried to contact them prior to getting behind in my notes, while I was behind, during the repo process and afterwards.
This is my second complaint filed against this company. After your initial complaint was responded to by them stating they would in compliance inform the CRA involved, ( XXXX, XXXX ) to delete this false entry, as of this date it still remains. You can review my previous complaint for info. Furthermore a dispute letter was sent to this company previously asking for proof of debt with my original contract, signature, and monthly balances claimed which they have never produced. Please assist me on taking further action.
This acct had been investigation by XXXX and removed it under XXXX. XXXX XXXX 2014. I would it removed as soon as possible. Thank you so much.