WillisBack/dataset-financial-user-claim huggingface dataset:
SCHCHTER PORTNOY LLC took me to civil court for an account purchased by XXXX XXXX. The case was proven that the amount was caused by fraudulent charges with account documents and I was the one who was owed monies on this account. I agreed to close the case after counter suing for the monies owed to me on this account and was informed that this record would be removed from any credit reports. I agreed, because the case was dragging on after they continually did continuances ( hoping for a default judgement is my guess ), and signed a form saying I couldn't take legal action against them for this debt. This was all on the belief that this would be removed from my credit reports. SCHCHTER PORTNOY LLC have shown immoral acts during this time - when the summons was handed to me I was advised to ignore it and I can 'just throw it away ' by the man who handed this to me. I was recently failed an apartment application after they ran my credit report. I see this negative record still appears and believe it to be the main reason I was denied the apartment as well as paying high APR fees on the credit cards i recently obtained. 

Court : XXXX  XXXX County Civil Court Index Number : XXXX Case Name : XXXX XXXX XXXX XXXX, AS ASSIGNEE OF XXXX XXXX, FORMERLY KNOWN AS XXXX XXXX XXXX XXXX  vs. XXXX, XXXX Case Type : Civil Classification : Consumer Credit Filing Date : XX/XX/XXXX Disposition Date : XX/XX/XXXX Attorney/Firm ( s ) For Plaintiff - XXXX XXXX XXXX XXXX : SCHCHTER PORTNOY LLC Attorney Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX- ( XXXX ) XXXX ext :
This is fo r Citi Cards On   XXXX   XXXX , i tried to make a payment in the amount of {$5.00} ... whenever i have any extra money i immediately put it towards paying down my credit cards. I tried  two or three ti mes, but kept received an error that the website was down.     On  XXXX   XXXX , i decided to try it again. I noticed immediately I had a pending payment to them for  XXXX . I called right away to fix the problem and cancel the payment. I kept getting jerked around and transferred. Then told there was nothing they can do and to call my bank and they had to fix the problem. I called my bank ... .citi lied to me about that. We conference d in citi again  and we were told yet again they could n't do anything EVEN THOUGH I DID NOT EVEN MAKE THE PAYMENT.   On the morning of  XXXX   XXXX , my account was over {$1000.00} in the negative. I reached out  to Citi 's   social media and they had a "  specialist ''  call me. Again, after sitting on the phone and wasting my time, we once again conferenced in my bank ( who luckily is helpful ). I was promised yesterday that they would expedite their error and would be in my account today.   Again, i woke up this morning,  XXXX   XXXX  and not only was my account still in the negative, but now my NSF fees have hit.   This is disgusting and deplorable.  Citi Cards  committed fraud and need to pay for this. They are liars, they do n't care about the consumer, and they stole money out my account THAT I DID NOT AUTHORIZE.
Good Morning My name is XXXX XXXX and I have a complaint aganist a company by the name of Client Services. They have XXXX XXXX XXXX XXXX credit cards that I am paying on .The reference number on XXXX them is XXXX that has a balance of {$16000.00} and the other XXXX the reference number is XXXX that has {$11000.00}. I have been paying {$5.00} on each of them every two weeks. This week on XXXX/XXXX/2016 they called me and asked for payment, acting like I had not been paying which I have been as you will see in the information I will post here. They even called me at work which I was under the assumption that they were not suppose to. What my complaint is that I would like for them not to call me .I can understand that if I am not paying that yes to call but if I am out of good faith I am trying to get my balance down and pay what I can .I would really like your help in this matter .Thanks XXXX XXXX
Citimortgage recently sold the servicing rights to my mortgage loan to XXXX XXXX XXXX effective XXXX/XXXX/16. I called both entities on XXXX/XXXX/16 trying to obtain a payoff demand because I 'm refinancing my mortgage and the new loan is about to fund. Citimortgage was not able to provide me with a payoff because they claim they do n't even have my loan info on their system anymore. XXXX XXXX claims my loan info is not uploaded onto their system yet. XXXX XXXX said it will take at least XXXX business days following the official transfer date of XXXX/XXXX/16 for my loan info to reflect on their system. Due to their transitional mistake a customer ca n't even obtain a payoff during the transfer. Please help.
I have repeatedly contacted Ability Recovery Services which is a collection agency to correct the matter in which I have a letter from the creditor XXXX XXXX that states the account is closed and no debt is owed after filing for bankruptcy chapter XXXX- discharged XX/XX/2019. Ability recovery services has stated they cant close the account when I fact they did then 7 days later opened the account in collections as a new account. They have said that it is closed but they are not reporting it to the credit agencies as a closed account.
I have been in the IBR repayment plan for probably a few years now. In XXXX of 2016, I reapplied and only received a response from Navient in XXXX, 2016 that my application was received. I did not receive any other correspondence from them until last week when I received a letter with a payment booklet stating that my payment would begin in XXXX in the amount of just under {$800.00} per month! I called to inquire about the status of my application and was told that my application was rejected because a " box was incorrectly filled out ''. Again, I never received any notification of this. I asked if I could amend the application and was told that I would need to reapply and that my account would likely go into default in the meantime. This has happened every single time that I have sent in any application to Navient. It either is not processed, lost, or claimed to have not been received. 
Additionally, I have previously requested ( I believe from XXXX XXXX - before the account was transferred to Navient ) verification of the debt, including all signed promissory notes, and a full accounting of original debts with all fees and interest detailed. I have never received that information. I would also like to add that I have been completely mislead about these loans from day 1. I was never explained anything about the interest rates, loan terms, repayment options or anything of the like. This trend throughout the life of this alleged debt has not changed. Supposedly, my initial borrowed amount was around {$22000.00}. It has now escalated to {$65000.00}! In previous years, during financial hardships, I was never offered any other option other than request forbearances and deferments. With that, I was not relayed that interest would accrue, or the rate at which it would. I found the IBR program on my own. It was never presented or offered to me. I was never informed that any interest would accrue while in the IBR plan. I sent an inquiry to Navient a week ago asking what I need to do to reapply, but ( as usual ) have not received a response. I am so furious and confused that the original ( alleged ) amount borrowed of $ XXXX has now escalated to over $ XXXX, which includes a recent addition of {$9000.00} in interest! This makes no sense, and in my opinion, is absolute robbery! What can be done to improve the communication with Navient? What can be done to make these loans more affordable? With student loan debts surpassing credit card debt at over a trillion dollars, this is a crisis that needs better options that the ones available - and definitely a better loan servicer, with two-way communication - other than Navient.
Checked my credit report XX/XX/18 and noticed a collection account of {$73.00} placed by EOS CCA for an unpaid XXXX bill. I called and got my account number - XXXX. I called XXXX to verify the information because I have never been a customer or had an account with them. XXXX checked the account number, my name, DOB, SSN, address etc., and could not find anything associated with myself and they said the account number had never been active. They also told me that they do not turn over their collection accounts to EOS CCA. 

I called EOS CCA back and spoke to XXXX who claimed he was a manager. He was very hostile and told me that if I didn't pay this account today they would " sue my XXXX off ''. I asked him to verify the identity of the person associated with my account and he refused, he just assured me that it was mine. He repeatedly asked me to give him my social security number which I refused to do. I told him that if this account was actually associated with me they should have my SSN already. He also refused to give me any information like his last name, employee ID number or send me to a higher level manager. When I told him that I verified the information they had with  XXXX and that it was indeed a fake account and that XXXX does not give their accounts to EOS he hung up on me. 

I had never received a call or any correspondence from EOS CCA regarding this account, I just happened upon it when checking my credit report. I disputed this account with the credit bureaus and it was quickly removed.
My husband and I applied jointly for a Discover card. When the card came it was only a card for him when I called discover to see where my card was they said that I was n't on the account. The same week my unwed daughter applied for one an was denied, they wanted her to apply jointly with someone. My son also applied, he is in debt up to his eyeballs with school loans, was approved an sent a card. I feel that my daughter and I was discriminated against because we are female. Since the XXXX males in the house received credit cards. My daughter an I both have good credit ; mine is actually better than my husband 's.
I have a mortgage with Ditech and have been overcharged {$1900.00} for a monthly mortgage payment. I notified Ditech of the overcharge right away and it has been two weeks now and I still have not been refunded the money. {$2000.00} is a lot to me and I need to live on. If I am overcharged I expect the money to be retuned within a couple of days.
The original credit card was with XXXX and went into collections in XXXX with XXXX XXXX. In XXXX, XXXX XXXX using Pressler and Pressler filed the judgement # XXXX in XXXX XXXX NJ against me on XXXX/XXXX/XXXX. This is outside the state statue of limitations that a judgement can be filed against me in the state of NJ which is 6 years. I have asked for the original paper work that was used to filed the judgement and Pressler and Pressler is refusing to provide this information. Please help me have this removed ASAP as this is keeping me from closing on my new home on XXXX/XXXX/XXXX.
The Investor through their servicing agent Selene Finance is engaging Predatory collection Practice though Mortgage Service Abuse Bad Faith and Unfair Business Practices, behavior tactics and attempt at Equity Thief. 

Selene Finance purposely delated the Short Sale process in order to increase their profits by increased fees all the while with no intension of ever approving the Short Sale thereby causing unnecessary stress and severe mental anguish. 

The Homeowner or their agent has been is continued communication with Selene since XXXX of 2016. Selene representatives have consistory delayed, denied and deflected by changing representative several time, not returning phone calls, repeatedly asking for the same documents and the file not being reassigned while the representative was on a prolonged absents or vacations.
Amount charged to my credit card was greater than the posted amount for parking. I contacted the merchant twice, I did not hear back. I contacted Chase on XXXX, and they refused to credit my account.
I had a credit card issued by XXXX Bank. I did not pay the debt and a judgment was placed on me. I paid in full the card in XX/XX/XXXX. I wrote dispute letters to the XXXX credit bureaus. XXXX deleted the judgment but the other XXXX credit bureaus did not respond. I would like this judgment deleted from my credit report.
The account do not open by username and password since 3 years now. This account get my y Social every months. I need this bank to refund me my money in full about {$25000.00} or about the amount. Their do not reply clearly my previous complains, their need to refund me.
i have a collection on my credit from advanced collection for {$24000.00} from   XXXX    XXXX . i have tried to contact both agencys and was told they could not provide me with any documentation where i authorized these charges or have any knowledge of being charged for this or what they are for
I have a collection account with XXXX XXXX XXXX. They are reporting wrong on my credit report. There was a settlement agreement on XX/XX/2017, by their attorney to make a payment of XXXX dollars a month due on the same day each month. I am paying as agreed, but why they are reporting this account is late to all credit bureaus. My right is being violated under the Fair Credit Reporting Act. My file number is XXXX under my married name now divorce. I would like this collection to be removed from my credit report. I have the right to an accurate credit report. I have a signed letter from the creditor or collector is solid proof that an agreement was made. Please delete this from my credit report
Addendum to XXXX API recovery and it representative XXXX XXXX XXXX XXXX XXXX has some how got possession of by cell phone records. They have called previous employers, friends and relatives who have never been included in any credit application at any point in time. 
They have impersonated attorneys and have claimed that I am in legal trouble and they are trying to stop criminal proceedings against me. 
I have at least 8 witnesses who have been contacted or have messages left about sensitive personal matters or that have been left on phones of friends and family that will show that XXXX was impersonating an attorney and threatening criminal action against me. 
I have received no correspondence from them. 
I have attached photos of a message that was left on my ex EMPLOYERS cell phone. I can make the recording available directly from my employers cell phone if needed.
XX/XX/XXXX paypal was going to charge me {$16000.00} when a buyer wanted to charge back all her purchases for 3 months to myself and about XXXX other merchants. We all submitted positive proof of her making the buys including government Id and her holding photos stating she was making the purchases. Paypal at first sided with all us merchants, and then later reversed themselves and charged us all with the purchase amounts. Every merchant then filed with the FBI and eventually the FBI investigated and seized her computer and the pictures were still present proving she made the purchases. Also we each filed with the CFPB against paypal and paypal then issued each of us credits for the chargebacks because paypal " violated its own policies '' regarding chargebacks. At the time paypal instituded a {$200000.00} reserve on my account for selling only, which means I would have to deposit {$200000.00} or sell {$200000.00} before I would receive any money. Paypal withheld all my remaining money at the time which was about XXXX into the reserve. So for the past year, I have n't sold anything. I only used my paypal to pay for things and had no problem with this arrangement. A couple days ago, however, paypal limited my account for no reason at all. I called in and customer service could n't find any reason why it was limited though they thought it was probably due to the XXXX XXXX XXXX incident ( the lady who tried to charge back {$16000.00} ). So now I ca n't use my account at all and paypal has been holding my money for nearly a year. The name/email of an FBI agent on the case is XXXX XXXX [ XXXXXXXXXXXX ]. He can verify what I said is true.
XXXX Apartments are on my credit and transfered the account to FCO as a collection which in turn sent the file to an attorney ( which resulted to them having to dismiss the case as this is not a debt that I owe ) I called and faxed both the attorney 's office as well as FCO and they both keep referring me back to each other. I really need them to removed this from my credit as it is hurting my score and is resulting to me not qualifying for important purchases as well as increased interest rates.
I contacted  Portfolio Recovery Associates regardin g an account listed under  XXXX  different original creditor names that appear to be the same account. Regardless both are erroneous, and they are reporting as a collections account on my credit report. This information is totally inaccurate, and they were given time to investigate. They broke the law by not adding the proper verbiage to the account within the allowed 30 days, and they have not presented any documents showing where I have ever had a contractual agreement bearing my signature to pay them anything. This is derogatory information on my credit report and is in direct violation of federal laws. I demand this inaccurate information to be deleted from my credit file with all the credit bureaus immediately. I am attaching ALL documentation backing my claim to make said claim as clear as possible. They replied with a letter stating they reviewed the dispute and their records indicate they have already responded to a previous dispute same as my present dispute. This is not true. I never dealt with  Portfolio Recovery,   therefore no documentation has ever been provided to me bearing my signature.
Paid three loans in full while on a temporary deferment. I resumed payments only to be told now that my monthly payment went up because I only have one federal loan now.
I'm still being mistakenly pursued for 3 years now for some XXXX   equipment that I returned. Looks like someone is making a fast buck reselling this erroneous debt again and again. Strange since I have a receipt showing I returned the equipment dated XX/XX/15 and the last debt collection agency chasing me ( XXXX XXXX ) found that the alleged debt is uncollectible. This month it's ERC of XXXX, PA that is hounding me. When will it stop?
This is regarding the recent hack of Equifax, resulting in my information being distributed to the hackers/unknown parties and now my identity and credit being at risk of theft for the remainder of my life.
XX/XX/XXXX I cancelled my contract with XXXX because my phone would not work at my home. I was told that I would receive a last statement. The first of XX/XX/XXXX I received a statement of {$26.00} which stated " This is your final bill, and it reflects all charged through XX/XX/XXXX. On XX/XX/XXXX I paid this bill in full. Around the XX/XX/XXXX, I received a statemen from XXXX stating that I owed XXXX {$250.00}. I called this company and told them this information and then sent copies. While talking to them, they stated that on XXXX XXXX, I paid {$40.00}. I did not pay anything after XXXX XXXX. I thought that would stop the harassment and that it was all over. At the end of XXXX, I received a bill from XXXX XXXX XXXX with the same information. I mailed the same information to them on XXXX XXXX showing I had paid their bill. Today I received a bill from Enhanced Recovery Company LLC demanding that same amount from XXXX. I believe that XXXX is harrassing me by continuing to have different companies send letters demanding a bill that they know I do not know. Also, I believe they are putting this on my credit report every time. Can you please stop this harassment?
I moved out of this apartment complex in XXXX XXXX. The reason was due to the lasting effects of XXXX fires in the apartment above me. The first fire was above my kitchen area, and the second happened above the back bedroom. The events were caused by XXXX different tenants. Due to the water damage, I lost everything and was never compensated by the XXXX apartments, nor by the tenants that caused the fire. The unit I resided in became infested with roaches, and I had to get rid of all our belongings. The super, XXXX XXXX, said to me too bad you do n't have renter 's insurance. Then, I was relocated to another apartment while the repairs were done in my unit. This caused another issue ; the apartment complex wanted to charge me for the electric bill on the loaner apartment, as well as the bill in my unit. Therefore, I could not afford to pay the rent and XXXX utility bills, so the complex evicted me. XXXX apartment complex hired National credit systems to handle the collection process. This creditor has been reporting to all XXXX credit bureaus for over 7 years. I tried to resolve this issue XXXX and the following statements were communicated via XXXX processing. 
XXXX CASE # : XXXX web XXXX Case Received by XXXX XXXX Case Reviewed by XXXX XXXX EMAIL Send Acknowledgement to ConsumerXX/XX/XXXX XXXX EMAIL Notify Business of DisputeXX/XX/XXXX WEB XXXX RECEIVE BUSINESS RESPONSE : Thank you for contacting our office. We reported this consumer in default in XXXX XXXX. If there is a seven year statute period, as she states, it would end in XXXX XXXX. Thank you. 
XXXX/XXXX/XXXX XXXX EMAIL Forward Business response to ConsumerXX/XX/XXXX WEB XXXX CONSUMER REBUTTAL TO BUSINESS RESPONSE : ( The consumer indicated he/she DID NOT accept the response from the business. ) the company has not agreed to remove its claws from my credit report, the law states up to 7 years and not until 7 yrs has passed. i am not an indentured servant and i will not be penalized for the miserable time i spent in that apartment for another year. 
XXXX/XXXX/XXXX XXXX EMAIL Forward Consumer Rebuttal to BusinessXX/XX/XXXX WEB XXXX RECEIVED BUSINESS ' ADDITIONAL RESPONSE : Thank you for contacting our office. We reported this consumer in default in XXXX XXXX. If there is a seven year statute period, as she states, it would end in XXXX XXXX. Thank you. 
XXXX/XXXX/XXXX XXXX EMAIL Send Consumer Rebuttal - No New Offer - UNRESOLVEDXX/XX/XXXX Otto EMAIL Inform Business - Case Closed UNRESOLVEDXX/XX/XXXX XXXX XXXX Case Closed UNRESOLVEDXX/XX/XXXX XXXX ReOpen the ComplaintFurthermore, I am not requesting compensation for any damages or loss of personal property. I want them to simply stop harassing me via credit report inquiries, phone ( INCLUDING CELL PHONE ), or mail. I have been penalized enough, I am trying to move forward with my life.
Equifax was hacked and SSN/Personal Info was taken. It is all over the news right now. I checked my SSN with their website to see if my info was compromised and it was. Equifax did not secure millions of Americans SSN # s and now, they have set up a service to check if your info was compromised however, they try to lure you into submitting to a credit monitoring service which opts you out of suing in the future. If you check your info at Equifax, DO NOT OPT IN TO THE CREDIT MONITORING SERVICE.
I am writing because I reported a fraudulent charge to my credit card company, they refunded my funds and now they have put the charge back on my account. I explained that I was the victim of identity theft and do n't know how someone also used my card without my permission. The charge was for XXXX for a company? XXXX My bank said they would issue my credit, they also cancelled my card because of the fraud I assume but now they are trying to take my money back. Thought I would see if you could help me before I have to spend more money on an attorney who said he would file arbitration paperwork or go to court on this matter Thank You