WillisBack/dataset-financial-user-claim huggingface dataset:
I stopped service with XXXX on XXXX XXXX, 2015. I received a final bill XXXX XXXX for {$69.00} and promptly paid it. Payment was not due until the XXXX of XXXX. XXXX received payment on XXXX the XXXX. On XXXX the XXXX I received a call from Credit Protection Association L.P. stating that they were a debt collection service attempting to collect a debt. I then received a letter dated XXXX XXXX from the same company that XXXX had turned over my supposed debt of {$69.00} to collections. This affects my credit score and I am furious. I have spoken with XXXX without much help being shown my way. I want my any dings on my credit cleared and I want to know if this is a common, predatory practice by XXXX.
I have just been issued an order to leave my property in  two  weeks to  ten  days.   XXXX   XXXX   XXXX     dropped my loan in   XXXX   XXXX   XXXX     without cause. I continued to pay my mortgage once they found the account in  XXXX . In    XXXX   XXXX   XXXX  ,  they refused to account my payments to the mortgage through   XXXX   XXXX   XXXX  . By    XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX    r emoved for a new mortgage lender NationStar that refused my information ( personal and property ) for not being conducive to what   XXXX   XXXX   XXXX    h ad sent them in the sale. I have been under ID Fraud and  Credit Fraud s ince    XXXX   XXXX   XXXX    ( documented and proven at     XXXX   XXXX   major credit reporting agencies on background and credit and account fraud affects ... starting with my primary bank account at  XXXX   XXXX  ). Nationstar was adding to this problem. I have an HOA that tried to move a Foreclosure in    XXXX   XXXX   XXXX   for l ess than  XXXX  owed.  Nationstar  tried to collect back debt for   XXXX   XXXX   XXXX     and    XXXX   XXXX   XXXX    d enied that they were.  Nationstar  moved a Foreclosure for   XXXX   XXXX   XXXX   ,  was removed and moved another one on their own against myself and the HOA.  The County  Commissioner finally held a sale and put my house under    XXXX   XXXX   , no one has room for recovery under ID Fraud and Theft, including   XXXX   XXXX   denied me Unemployment last year as  a    XXXX    XXXX   XXXX   XXXX   XXXX   that worked mainly out of state in  XXXX  ( also remotely ) in  XXXX .
I 've attempted to contact this company on several occasions to tell them that the debt their trying to collect is n't mine and I do n't even know what its for.
I had lived in XXXX XXXX XXXX, an apartment complex named " XXXX XXXX '' for XX/XX/XXXXyear starting XX/XX/XXXX to XX/XX/XXXX. 

I had signed the lease with my dad 's name, since I was a XX/XX/XXXXt. We had never missed a payment and was on the verge of leaving to another establishment in XX/XX/XXXX. When we told the apartment management that we are moving, they notified us that we had not given ouXX/XX/XXXX notice. 
So the lady notified that it was fine. However, on our departure, we were mailed a letter. Stating that our security deposit had been forfeited and there was another extra month of rent being charged. There was no reason stating why we were being charged for an extra month of rent. But the cost was not even our rent. It was {$920.00}, which was about {$130.00} cheaper than our normal rent of {$1000.00}. I assumed it was due to theXX/XX/XXXX notice. As a result, I decided to look back at our lease. The lease stated that " release of the security deposit is subject to following provision '', and under it was failure to notify of leave within XX/XX/XXXX. So I again assumed that we were being charged for something that was not on our lease. 

After moving out, I went back to the old apartment complex and decided to see what was happening. This was before theXX/XX/XXXX that the apartment complex had given us to dispute it. I went in, and one of the worker stated that their manager was not here and told me to leave a phone number. I did, but there was no call received. So then the collection was sent to a collecting agency. Of which who we called. The man decided to say that " they can do whatever they want '' and " it does not have to say in the lease ''. The man at this firm stated that I was attacking them, when I was solely stating the fact that " hey the lease says only the security deposit will be forfeited ''. The guy stated over the phone " Your credit will be destroyed, and you'll have to live with bad credit '' and repeated such statement in similar manner multiple times before hanging up the phone. We kept getting collection mails from the company. 

So after the first letter, a dispute letter was sent to the collection agency WITHIN XX/XX/XXXX, but nothing was done about it. It explained the situation as a whole and what we wanted to do about it. I have the receipt of the XXXX document that I have sent to the collection agency of the dispute letter, XX/XX/XXXX letters to be exact. One in the name of my father and one in my name. The letter explained the situation and stated that we were in no fault of the collection. 

Now the collection agency has placed the debt on our credit records as adverse credit.
On XXXX XXXX, XXXX we received a letter from Transworld Systems , Inc. stating their records indicated we owe a balance of {$210.00} to XXXX XXXX XXXX Support for a medical bill incurred for our son. On XXXX XXXX, XXXX we phoned Transworld and requested written verification of this bill. On XXXX XXXX, we contacted the XXXX provider and were told no such balance was owed on this account, nor any other XXXX account. Transworld mailed us a copy of our statement from XXXX reflecting that a {$210.00} charge was incurred on XXXX/XXXX/XXXX. It also clearly states at top and bottom of statement that patient balance is {$0.00}. However, their correspondence does not address the balance, nor indicate that their attempt to collect this payment, is no longer being pursued, as a result of reviewing our provider 's statement. We are requesting that this agency immediately withdraw and cease this collection attempt and wrote a letter to the agency with a copy of our medical bill statement on XXXX XXXX, XXXX. As of today, we have not received a response. I am mailing a second copy of our original letter to Transworld again today. We would like written verification that this collection attempt has ceased as a result of updated and accurate information. We do not wish to see this false information fraudulently reported on our credit reports. Any assistance you can provide in resolving this matter will be greatly appreciated.
Got a mortgage through Quicken Loans - final paperwork was handled through XXXX in XXXX, MI. Mortgage closed on XXXX XXXX, 2016. Mortgage consolidated XXXX loans : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX installment loan and XXXX XXXX car loan. I assumed that when these things were being consolidated into XXXX new loan that the other debts would be paid off - that is how we did things when I worked at a bank in the XXXX. I was disappointed when the credit card was not fully paid and I still had a fairly large interest payment to make on it. But when I found out today ( because I see the balance on my XXXX account ) that the XXXX XXXX XXXX XXXX Installment loan was not paid in full - which explains why I continue seeing them on the Declaration Page of my auto insurance I 'm annoyed. When I talk to XXXX XXXX XXXX XXXX they tell me that I not only still owe {$330.00} on the loan with them but now accrued interest - I do n't think I should be liable. I find XXXX XXXX XXXX XXXX remiss/unethical/slimy because they could have informed me when the loan was attempted to be paid off that it did n't quite do the trick and allow me to pay it off before interest accrued. They have had no contact with me about this underpayment at all! But what really bothers me is that Quicken Loans made an underpayment in the first place. I remember getting loan payoffs and the payoff was good through a certain date and each day after you would add a little on - so we always had accurate payoffs. When I mentioned this to Quicken Loans and XXXX XXXX - both told me they do n't do that except for a mortgage payoff. They just ballpark the number based on what is on the credit report they ran. They told me that we were likely told this was the case. I can only say if someone told me they were ballparking the number - I would have called and gotten payoffs myself - rather than having continued to accrue interest on accounts I thought were paid out. I 'm not sure if this is an illegal practice - or just a shady practice that shows these places do n't care at all about their customers. So I 'm sending my complaint to you so I can find out. Honestly - are all banks shady???? Both XXXX XXXX XXXX XXXX and Quicken Loans have shown me they are!
UPSTART STILL WILL NOT UPDATE CREDIT BUREAU THAT THIS ACCOUNT IS PAID OFF IN FULL WITH XXXX BALANCE AND ZERO PAYMENT DUE PER MONTH. 

I AM CLOSING ON A MORTGAGE LOAN ON XX/XX/2015 AND MUST BE PAID OFF OR A LOSE EARNEST MONEY. 

BUREAUS SAID THAT UPSTART CAN MANUALLY UPDATE BUREAUS REFLECTING PAID OFF STATUS WITHIN THEIR CREDIT DEPT EASILY RATHER THAN WAIT THE AUTOMATIC MONTHLY FEATURE. 

XXXX
Cashier did not key in my name correctly during the application process. She used my middle name as my first name and my first name as my last name and yet Synchrony Bank approved the application. When I caught the error, Synchrony Financial Credit Services made other errors and I never received the card. One representative verified my personal information on my account, did not document her code on the file as having access to my to my records, and kept me on hold for 1 hour playing the " music '' refusing to allow me to speak with a supervisor. I used my cell phone and allowed another supervisor to hear their music on my landline phone. I consider this abusive of power, invasion of confidential information, r and failure to properly document access to my account. I have been waiting for two week to speak with an executive about this. No one has called ; thus, I have closed my account and requested the positive credit in the form of a check. Each time that I call customer service, I am told something very different. The integrity of my account had been compromised. Weeks have passed and the Executive Office of Synchrony Financial Credit Services has not called me.
LJ Ross partial account # XXXX WHO ARE THESE PEOPLE? I keep seeing LJ Ross on my report as of mid 2017. Shows a collection balance of {$830.00} XXXX? 

I had to XXXX XXXX, they are a utility service provider. 

Considering I have lived at my current address for almost 4 years, and we do not have a utility provider of XXXX ... WHO DOES THIS BELONG TO?? 

I have repeatedly communicated with all 3 bureaus disputing it's removal and sent a letter to LJ Ross with no response trying to receive paperwork, identification, something.

This is not my account, I have not received any sort of paperwork on this, I do not have gas or electric utilities through XXXX, they are not even a servicer in the area I live!
Claim date XX/XX/18 Claim ID : XXXX Amount of claim was {$10000.00}. 
Bank of America was notified of fraudulent charges to my account within 30 or less. I told the fraud department I used my debit card to make a purchase online. Never received the item and then after trying to contact the business I noticed charges ranging from $ 300- {$500.00} coming from my account multiple times a day for a number of days. Bank of America canceled my card gave me a temporary credit. I called them weeks later to give them in info I thought would help. The charges seem to be over seas. As of XX/XX/XXXX Bank of America rejected my claim and since taken the temp credit from my account leaving me negative over {$8000.00} dollars this is not included over 15 over draft fees. After calling the fraud department the next day, I was given the run around from first person I spoke with. He said the denied my claim because they couldnt prove if it was or wasnt fraud. Ask to speak to a supervisor and spoke with lady name XXXX. She told me there was nothing they could do about the descion. She said the investigators are not there in her office and that she can only contact them trough email. I asked to her to read me the real reason they denied my claim.. Here lies the biggest problem. She informed me that claim was denied because the account did not appear to be your average fraud. For example she said, the account was not drained. And that also I was the person who used my card with the fraudulent merchant so its my fault. And that during these charges I logged in to my account online so I would of seen them in a matter of days. I told them that wouldnt be so because my wife logs in sometime just to check my balance not account history. 
I told the supervisor I wanted copies of the investigation and she said I was not allowed to see it. Which is a lie. I asked her for guidelines on what their zero liability police does and does not do. I asked to see or hear the policy on their fraud investigations, for example where does it say what falls under guidelines to cover a customer fraud charges and what doesnt cover a customer. She could not produce anything for me, told me to see my local branch. Which I did, spoke to branch manager and he said no we have nothing and to call the fraud department. I need help with this from someone. 
The worse part about all this, my houses air conditioner went out on Sunday the XX/XX/XXXX. I arranged for it to be replaced on XX/XX/XXXX. Monday the XX/XX/XXXX I deposited a check of {$2000.00} to pay the air conditioner man coming on Tuesday. I woke up Tuesday the XX/XX/XXXX with that money gone and negative {$8000.00} dollars. I have a XXXX year old and XXXX year old daughter and wife. I was unable to pay the air conditioner man and my family was forced to live in 100 degree weather with no ac. So my wife decided because of the severity of the situation she sold her wedding ring to pay for our family to have air conditioner. I stressed and cried to bank of Americas fraud department about this and how they were not following right procedures. They said sorry we cant help you have a good day sir and call ended.
The man who contacted me would not let me dispute the bill. He would not tell me how to dispute it. He was very rude and every time I would talk he would tell me to stop. I asked for information about the bill and he would not give it to me. XXXX XXXX XXXX
We had paid the account over a year ago with a cashier 's check and had not received any bills so assumed the account was closed. XXXX XXXX from Evergreen Professional Recoveries contacted me at my work. I explained the situation and she was very aggressive. She said if I did not pay the bill with a credit card over the phone she would immediately report to the credit bureau. She proceeded to yell at me and be abusive accusing me of lying. I immediately called the company which we owed the bill to and will be paying them directly. It was completely unacceptable behavior.
In XXXX ( I do not have an exact date for the first two calls ), I began receiving robo-calls from Citizen 's One ( XXXX ) regrading an auto-debt owed by someone I do not know. Over a year ago I had also received debt collection calls for this person, but they stopped after I informed the company that I did not know him. However, this time I have received REPEATED phone calls for this person even after I have informed the company multiple times that I am not and do not know him. I have been questioned aggressively about whether or not I'm *sure* I don't know [ the guy I don't know ] basically every time. I also let them know that I am a teacher and they keep calling me during school hours. I even had my CLASS inform Citizens One that I am not [ the guy I don't know ], but I still get calls. 

Today, I received a call from XXXX for the same person. The caller would not identify what organization she was from when I asked, only asked if I was [ the guy I don't know ]. I told her that I am not him, I do not know him and I have repeatedly asked them to stop calling me. She said she would remove my number from their calling list. However, I AGAIN received a voicemail from their robo-dialler.
I filed dispute requesting my report for XXXX be updated with no late pays. The report is showing XXXX andXX/XX/XXXX being 120 and 90 days late, XXXX andXX/XX/XXXX 180 days late, XXXX, XXXX, XXXX XXXX 150,120,90 days late, XX/XX/XXXX 180 days late, XXXX, XXXX, XXXX 150, 120, 90 days late. This account was not late. The account was in forebearance due to active military. The account should read nd or ok. I sent documentation showing proof of why account was not late.
I want to file this complaint against XXXX XXXX Navient as support for the lawsuit that has been filed. I too, would like to sue XXXX XXXX Navient for their subprime lending practices. Heres the backstory, I graduated from XXXX XXXX in XXXX with approximately {$85000.00} in private loans from XXXX XXXX at the time. I was experiencing hardship and having a difficult time finding suitable employment in the recession. I needed to take something so I ended up working a retail job making $ XXXX hr. XXXX continued to harass me about making payments and I eventually enrolled in a forbearance. 
Years later, in XXXX of XXXX, Im finally in a position to make payments towards my loans. To my surprise, my private student loan debt ballooned to a massive {$160000.00} with XXXX loans originated at 10 % and XXXX of my highest at an alarming 14 %! They never mentioned the interest rate reduction program to me until I called in to start making payments in XXXX. It was as if they were hiding this program and using it as a last resort. I was very upset to learn that this option was available and was not offered to me when I initially graduated, which potentially could have saved me thousands in interest. 
Moreover, what initially sparked me to file this complaint is that I just spoke with a representative to renew my rate reduction plan and she state that instead of being able to lock in a lower rate for a whole year they have now altered the terms of this program to be renewed every XXXX months, which allows them to charge higher interest rates at a much faster pace than in the past. Every time a borrower renews under this plan their interest rate usually increases a percentage point until it reaches the regular interest rate charged on the loan. I feel like I am drowning in debt that I had no idea I was getting into. I am angry that I went to college only to find myself manipulated into high interest loans that have prevented me from purchasing a home and living the XXXX dream. I myself have thought about taking legal action against them, but I know that its difficult to fight student loan lenders and win. If Navient continues to deny claims of predatory lending, Id be more than happy to submit account statements dating back to loan origination. Should you need any additional information, please feel free to contact me.
AFTER SEVERAL INVESTIGATIONS, EXPERIAN CONTINUES TO REPORT & REFUSE TO DELETE INACCURATE INFORMATION 15 U.S. Code 1681i - Procedure in case of disputed accuracy requires, ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if AFTER AN RE-INVESTIGATION under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material  On XX/XX/XXXX, a response from XXXX  ( XXXX XXXX ) for XXXX Smart Connect - Account # ending in XXXX - CFPB Case # XXXX-XXXX states in their response that " On XX/XX/XXXX, the above account was " charged-off '' and sold to " XXXX XXXX XXXX '' on XX/XX/XXXX. On my credit report, XXXX XXXX - Acct # XXXX is the debt buyer being reported for XXXX SMART CONNECT account on my credit file -- NOT XXXX XXXX XXXX. Based upon the response from the " original creditor, '' the information being reported under the name of XXXX XXXX is NOT my account and should, therefore, be DELETED. This matter has been repeatedly reinvestigated since XX/XX/XXXX until NOW and has caused substantial harm to my credit rating. I DO NOT WISH FOR ANY MODIFICATON AT THIS POINT. Clearly based upon the documentation by the original creditor IT IS ERRONEOUS. I WOULD LIKE IT DELETED IN ITS ENTIRETY.
Navient has me paying two separate private loans. Which is two separate bills ontop of the consolidated federal loans I have a bill for. They should be consolidated and the interest rates are ridiculous. One is 10 % and the other is 13 %. I do n't think students get enough help and we graduate to have three different loan payments. Navient has n't offered any solutions. I 'm going to try to find the paperwork with these high interest rates. Hopefully there is some way I can just have one private loan payment with a lower interest rate. My federal loans are 5 % so that 's great no complaints there. Please help. How do we get private loans forgiven? How do we get private loans consolidated or my payments lowered.
I 'll describe the recent call activity that took place today which was identical to the first situation that happened about two months ago with the exact same call representative. The gentlemen that called today, XX/XX/XXXX 2017, initially wanted to confirm my identity by asking for the last four digits of my social security number or date of birth. When I told him I was n't comfortable giving him my identity credentials his temperament immediately changed. He then asked why I was n't comfortable sharing my identification with him now, as opposed to two months ago. I told him because he refused to mention why he was calling in the first place. He also refused to identify himself. I then hung up the call and that 's when he overwhelmed my cell phone with at least 5 consecutive calls, back-to-back. That was before he already called 3 times before I answered the call.
The incident two months ago was worst in all aspects of the conversation. He threatened to report me to all credit agencies and that he would eventually get what he needed out of me. He used extremely aggressive language and his tone was nothing less than hostile. After I hung up on him due to his verbal abusive rant, he then proceeded to call my wife and threaten her as well. She 's XXXX XXXX XXXX XXXX and answered her call during a meeting, where some of her colleagues overheard the gentlemen and suggested that she should end the call because it sounded like a typical " scam call ''.
XXXX/XXXX, ACCT. NO. XXXX IS WRONGFULLY APPEARING ON MY TRANSUNION AND XXXX CREDIT FILES. 
I have never opened an account, received a card, charged anything or received any merchandise.My PURSE WAS STOLEN in late 2014 for which a police report was filed at the time.Many accounts were opened and much damage was caused by these thieves. 
Delete the account from my files, I have nothing to do with this company or account.
One three separate occasions since XXXX XX/XX/XXXX I have had to contact Ocwen Loan Servicing so they could update my Date of Last Activity from XXXX XX/XX/XXXX ( incorrect date they keep reporting ) to XXXX XX/XX/XXXX ( correct date ). On all three occasions they have made the change, it has reflected properly on my XXXX ( no other has the account on their files ) to than five days later go back to showing the wrong date. we are now on the fourth time this same thing has occurred. Ocwen needs to be punished for doing this to a consumer. I have been denied credit, been unable to buy a car and most important refinance my house all because they are incompetent. I have been trying for 9 months to fix.