WillisBack/dataset-financial-user-claim huggingface dataset:
The debt collector is attempting to collect a debt for an item that was disputed and resolved in my favor with my credit card company. The dispute was for services not rendered from XXXX. XX/XX/2016, I purchased a lawn service package from XXXX to plant grass seed & aerate my lawn because it had a lot of bare patches. I tried to order the seeding & aeration services by themselves, but the associate would only sell them as a bundle along with a monthly weed control service. The associate told me that the seeding & aeration would be scheduled that week in XX/XX/XXXX & that I would receive weed control & fertilization in subsequent months to maintain my new lawn. As of XXXX 2016, the seeding & aeration service was never performed. I called numerous times to inquire about the seeding & aeration, but the company continued to reschedule the service. They showed up instead to spray weed control product & fertilizer on a damaged/bare lawn. On their visits, they were only on my property for 1-2 minutes. That was not the agreement that I entered into. I tried to call & stop the other services until the seeding was completed, but the company would not stop them. Finally on XX/XX/2016 I began a dispute with my credit card company because XXXX had not been responsive or helpful. The amount was disputed and resolved in my favor. A few weeks later, I began receiving debt collection notices from Transworld Systems , Inc. for the amount of the services XXXX had delivered that were not in accordance with our agreement. These services held no value because they were delivered without the primary service. This was already disputed through my credit card company and resolved ; however, I continue to receive debt collection notices.
In XXXX of this year, due to a hardship financial situation that started XX/XX/XXXX, I applied for a loan modification with the intentions of lowering my mortgage payment and continue living in my home. PNC has not been able to help and instead they have caused emotional distress. 
Summary after my application denial from PNC. 
XX/XX/XXXX mortgage payment in person ( see receipt attached ) XXXX payment has not been applied, per PNCXX/XX/XXXX. mortgage payment in person ( see statement attached ) XXXX payment has not been applied, per PNCXXXXXXXX {$2100.00} payment for escrow shortage to PNC, ( funds came from a credit card cash advance ), to pay off PNC escrow account PNC had recently established against my will even though I was up to date paying my insurance and taxes. 
XXXX Received a letter from PNC claiming my mortgage is late.
On XX/XX/2018, Capital One restricted Access to my 360 Account and sent me an email informing me of this. The funds that are in the account are not accessible and I am not able to talk to a person, because the number I have been given to call is sent straight to voicemail. There has not been fraud on the account and no one has commited an illegal act. I do not understand the reason as to why my money is indefinately on hold,
XXXX show up on my credit history ( XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX ) do not have any knowledge of this inquiry XXXX  XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. 

XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX  XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX  XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX/XXXX ( XXXX XXXX, XXXX XXXX ) do not have any knowledge of this inquiry
XXXX XXXX, " XXXX XXXX '' has called me daily stating " last chance before legal action '' XXXX XXXX has also called my mother, my ex husband and now, today ( XX/XX/18 ) she called my daughter. XXXX XXXX left the number XXXX ext XXXX. This is out of line.
My mother & I moved out of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/2015. We never received a statement from XXXX within 45 days of vacating their premises. XXXX turned our account over to a collection agency by the name of NCC Business Center. A guy name XXXX XXXX ( XXXX ) XXXX ext. XXXX from NCC Business Center called our neighbor and discussed our business with her which is illegal. They have been constantly harrassing me about a debt that I never went to court about and I do n't owe them any money. I want to issue a cease & desist order against NCC Business Services , Inc. XXXX. XXXX XXXX, XXXX, XXXX XXXX and to XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for both of them to stop contacting me, my neighbors, relatives, my job, etc. as soon as possible. Please feel free to contact me or my mother at the numbers below. Thank you.
XXXX CT XXXX VA XXXX Amazon Prime Store Card XXXX Synchrony Bank Will not report my good payment history to XXXX credit reporting agencies it had been over six months and they still have not re ported my payment history or my correct balance XXXX, FL XXXX
I am a senior who went to XXXX in XXXX GA on XXXX/XXXX/16. My insurance paid their portion and my portion was {$84.00}. I paid the bill in ( 3 ) parts as follows to XXXX GA via money orders from XXXX XXXX : 1 ) XX/XX/<YYYY> {$40.00} ; 2 ) XX/XX/<YYYY> {$20.00} ; 3 ) XX/XX/<YYYY> {$24.00} On XXXX/XXXX/16 I received a transmittal from TransWorld Systems saying that I had a balance of {$24.00}. On XXXX/XXXX/16 I received another notice from TransWorld for {$24.00}. My calls do n't do any good, both to XXXX XXXX or TWS. I am afraid that both entities will report negative information resulting in harm to my credit.
On XX/XX/XXXX Amount : XXXX $ ( XXXX XXXX coins, XXXX XXXX and XXXX $ from bank account ) I went and searched XXXX on XXXX. XXXX search gave suggestions of XXXX. The first link was a AD Link and i went on a clicked on it. 
As XXXX and Coinbase XXXX and have same user details. All the corresponding pages came as usual as login. 
1 ) Coinbase OATH page for username and password 2 ) I entered the username and password next page was 2FA authentication enter the 2FA.

3 ) Got a message saying its taking longer time as XXXX  servers are down.

4 ) Later got page saying first time login you have to authorize the page. Click here to access your account 5 ) i clicked the link and enter my email details later got error try after 24 hours. 

My account was spammed and hacked. 
I had XXXX XXXX coins and XXXX XXXX in coinbase and 4 XXXX coins in XXXX. 
and My bank account was linked to coinbase. Hacker took XXXX  worth XXXX $ and has transfer to unknown account. 

I reported this issue to coinbase with in two hours. I would have done much earlier but wait time was more for coinbase support. 

The support team said they will investigate but till now i have n't seen any response and even my coinbase account is locked and have called many times still no response. 

Informed XX/XX/XXXX XXXX XXXX that the transaction is not authorized and requested for a claim as my debit card has XXXX $ liability.but they came back saying the transaction is legal as i have done this transaction earlier. Have reopened a case and have send all the attachments.
The last complaint is number XXXX, I received a response from Penny Mac, on Friday, with their same standard format, indicating they are researching the matter. Based on their past history, this is what will happen, I will receive another standard format in the next couple of days and this is what it will say ... Based on our enquiry we found no evidence that we have done anything wrong. I sent you the copy of their statement and this is what they do to me twice a year. This is been a problematic and chronic. So, in other words it is okay with them to continue their wrath. You can review my previous complaints outlining the same issues. There will never be any enquiries, whatsoever. It is only a standard format, in order for them to follow the protocal, for the government. They have an overturn of employees.

I have pasted one of the links against PM, for your review. This is not a handful of complaints against them. The list is endless. Consumers have posted blogs and it is viral. I contacted a couple of law firms in XXXX XXXX and had spoken with them and each indicated without commenting on the litigation, if there were any class action against Penny Mac and guess what, there are and it is Penny Mac 's employees, who are the litigants. So, I asked, if they were whistle blowers and they replied, reluctantly, yes. I chuckled and replied, they will receive justice.

Did your bureau have any knowledge on the matter? If not, now you do. Now about me. This Penny Mac is ruthless, unprofessional, forgery, fraudulent, thieves, emotional distress, screaming at me, etc. I have uploaded my initial complaint, per XXXX XXXX and thus, as of this day, nothing is whole. I had never heard of this bureau, until XXXX XXXX referred had indicated that it was time for the foregoing complaints and this is not going to stop. 

In addition, their extension numbers and web is ineffective. Do I care, no? They are disrespectful and arrogant. One of the employees, is XXXX. Bad news. All of my payments are through my credit union only, not them. They are not trustworthy. The evidence has been a ten year problem and they still have me in delinquency, as usual. They are a group of XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX
XXXX  has been non-compliant with removing the unverified account CHASE AUTO Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that CHASE AUTO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Equifax, XXXX and XXXX XXXX are ignoring my requests to investigate and verify the accuracy of the information contained in my credit reports.
I had a genesis lending loan, that has been charged off, it is appearing on my credit report and weighing it down a lot. I have called genesis and was redirected to another company phone number XXXX, they do n't seem to have any information on me, I called called XXXX whose name appear on my credit report and they do n't have any information on my loan. I have trying to get information, no one seems to know or have any information about me. If I CA N'T GET INFORMATION, I WANT THE REPORT REMOVED FROM MY CREDIT.
Since XXXX XXXX, I was working with a loan consultant XXXX XXXX with Caliber Home Loans as I was looking to purchase a new home. I 've worked with XXXX XXXX in the past, and I trusted that she would help me obtain a new home loan as she did for previously. The presenting issue is that for nine months XXXX XXXX with Caliber Home Loans used deceptive, predatory lending practices in an attempt to obtain a home loan on my behalf that she knew I would not qualify to get. To explain further I just learned from a more reputable lender that I am only qualified to purchase a home loan for {$300000.00} when for 9 months XXXX XXXX with Caliber Homes provided pre-approvals for 4 different home in the range of {$400000.00} to {$640000.00} when she knew that I was in no way capable of obtaining a loan in that range. She knowingly continued to deceive me knowing that I was selling my current home, about to rent and own a new home that she provided a preapproval to purchase knowing that my XXXX only showed that I made {$39000.00}. She just admitted to this omission after she ran my credit twice, allowed me to go forward with putting my previous home up for sale and assisted in the sale of my last house, she knew I would lose a {$2000.00} deposit on a home I can not afford to purchase and never would have been able to buy because she has had access to my XXXX since XXXX. I took a loss of {$80000.00} on the purchase of my old house, lost my {$2000.00} deposit on the new home, {$1000.00} in moving expenses and the unfortunate owner of the house I am being forced to vacate is also impacted as his house has been off the market for 3 months because of her lies, deception an omission. Additionally, she stopped corresponding with me after she finally told me the truth. This is no how you treat someone you called " like family. '' Her tactics to use me to deceptively obtain a loan she knew I would not afford has harmed me financially and emotionally.  Now, I have to find a place to live again ( I just moved in XXXX because of her lies and sold my house ) as not to disrupt my children as well as deal with a homeowner who was also financially harmed. All of the above events took place from XXXX XXXX until XXXX XXXX. Additionally, Caliber Home loans serviced my previous home loan that another lender told me I should n't have received either because I did not qualify and they did not pay my taxes on that house. I did n't realize this until XXXX XXXX when a received a notice from XXXX County that they were putting a lien on my house for a tax sale. I had to pay those taxes out of my pocket because of the error. I still have n't been reimbursed for those fees either.
I got my credit report saying I have open collections that I do n't even know of. Please help me to dispute it.
SLS This is actually the continuation of the same problem that I have complained about twice and which have been responded to by the company, SLS.

Unfortunately they made false statements about not charging fees and their accounting system is a mess.

I am one month behind in my payments, yet theyve managed to somehow determine that I owe over {$5000.00} ( my mortgage payment is roughly XXXX ). They have sent me a notice of default and notice of intent to foreclose based on completely incorrect numbers. I have bank statements just as I did the first two times which contradict their figures. Furthermore, the principal balance due has actually increased because of the way they manipulate the money.

I tried to make sense of it using their website but there is no coherent statement available, and the transaction history makes absolutely no sense ; it is filled with minuses and pluses that cancel each other out, transaction amounts that I had nothing to do with since I pay consistently through my bank, and notations like XXXX XXXX - a system that is intentionally confusing, so much so that their employees dont even know how to interpret it.

Ive attached a section of just 20 transactions - all taking place on the same date, as an example.

I am in contract to sell and need to have this resolved immediately, and again I very strongly suggest this company be investigated.
A payment that was made on XX/XX/2019 was returned due to insufficient funds. I called AES after I realized that there wouldn't be enough funds to cover the outstanding balance and assured the representative on the phone that the entire outstanding balance due would be paid in full by XX/XX/2019. A few days after this, AES sent letters that said they were going to garnish wages, report the delinquency to the credit bureaus and force the account over to the guarantor. All of this after I had given them an exact date of when it would be paid. 

I don't appreciate the constant threats from AES and there are a group of other people who feel the same way. My attorney is currently reviewing this because I feel this falls into the category of criminal behavior.
I am being contacted by debt collector, Resource Management Group XXXX @ XXXX XXXX XXXX, NC XXXX, stating that they are collecting for, XXXX, on a payday loan from XXXX XXXX, 2011. 

I have pulled my bank statements from XXXX XXXX, 2011 and it shows no payday loans received. Resource management group wants me to send them my bank statements from XXXX 2011 but I do not feel comfortable doing so because I do n't know who they really are. 

I asked resource Management group to provide me with XXXX XXXX telephone number and/or address and they said they did not have it. I also asked Resource Management group to provide me with original loan documents that I signed and they said they did not have that either. 

I then asked Resource management group to mail me a bill that explains what to do if I believe the debt is not mine and they said I had no dispute options with them that I needed to contact the original creditor - XXXX - yet they are still concerned with me turning my bank statements over to them. I have participated in payday loans with other companies and I believe my social security number was compromised form those transactions. All pay day loans that I have actually received are paid in full. 

Resource Management Group will not give me any information on the original Creditor other than their name which is " XXXX XXXX ''. Resource Management group is threatening to go on my credit report. I do not understand why this collection effort is starting 4 years after the alleged debt began as well. 

I have placed a fraud alert with the credit bureaus.
XXXX and Experian removed bankruptcy from credit report and then placed it back on credit report. I have requested numerous times to have it permanently removed. By law, the 5 day rule would apply to advise PRIOR to reinstating information previously removed from credit report. Additionally, the listing exceeds 7 years, which is the maximum amount of time allowed to report on credit report.
Equifax has been reporting a collection account on my report from XXXX XXXX. There are XXXX accounts reporting with the SAME account number. As I dispute the derogatory account due to invalid information and no right to collect XXXX XXXX AND pulls the " bait and switch '' and places the dispute on the closed account with zero balance that was in good standing instead of the derogatory account that is not mine. I have disputed this account several times and each time Equifax updates the account on my report as valid but they have not provided me with any WRITTEN documentation on how they validated this debt and XXXX XXXX right to collect on this debt as this debt is not mine. The account I am referring to is listed as XXXX on my credit report. However, there are XXXX account with this account number being displayed. So when I dispute the derogatory one that is not mine Equifax/XXXX is not providing me any WRITTEN documentation on either account.
Been verified took {$1.00} from my account I immediately phoned my bank CHASE to let them know the transaction was not accurate, my bank was able to retrieve the XXXX back fast forward 3 days later the same merchant has taken XXXX from my account I filed a claim but the money could not be replaced because the merchant says I have a service with them which I do not. 
I don't understand why my bank CHASE would allow this merchant to go into my account twice after I called about this merchant the first time. Chase banks does not protect your money and to wait on hold to speak to nonchalant workers for a half hour at a time has been a complete waste of time and headache. Been verified is a scam well doing research on the company they have free trails so how was my card charged twice?! I have never agreed on there website for any monthly subscription besides what monthly subscription charges you 3 days later. This whole situation doesn't make any sense.
XXXX XXXX XXXX is reporting as an open unpaid account with a past due balance of {$8300.00} as of XX/XX/XXXX. 
This account was opened XX/XX/XXXX and included and Discharged in my chapter XXXX Bankruptcy XX/XX/XXXX. 
Experian refuses to correct this information.
Noticed {$25.00} fee on my XX/XX/XXXX Mortgage Statement from BofA. When I called to inquire, they said, they had done an audit on my account. That fee is from an occurrence XX/XX/XXXX ( over 10 years ago! ) which had never been charged by my prior lender, Countryside Home Loans. Refused to eliminate the fee. Maybe BofA is in desperate need of money?
I wrote and mailed a dispute letter to XXXX and XXXX in XXXX 2017, pertaining to a collection account that had been placed on my credit report from the collection company AFNI, INC. XXXX and XXXX  responded with a copy of my credit report stating that the account in question was verified by the creditor. AFNI, INC did not provide any documents or evidence to verify the account, but instead lowered the debt to {$110.00}. I sent another dispute letter to XXXX and XXXX in late XX/XX/XXXX asking again for proper validation of the debt, and instead of verifying the debt AFNI, INC reported the debt again for the previous amount of {$1100.00}. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX  and XXXX or provide me with physical proof, such as a signed legal binding contract. Your immediate response will be greatly appreciated.
I originally received a mark on my Credit Report from XXXX for an account with XXXX. I disputed the information as the amount was incorrect, and I never received verification of the debt. The account has now showed up with XXXX, and I have disputed it for the same reasons. The CRA has previously removed the information for the XXXX, but will not remove the information for XXXX.
TransUnion charged me {$1.00} for my " free credit '' report. They then contacted me via email stating that I had signed up for a year long {$19.00} a month Credit Service for a year which I did not. TransUnion and have not responded to my emails.
On XX/XX/2018 I purchased a XXXX, VIN XXXX, from XXXX   XXXX XXXX XXXX XXXX in XXXX, CA 1 ) I believe I was discriminated against regarding application of credit for car loan. My credit score was over XXXX at the time of application. Dealer ran excessive credit reports which lowered my score to XXXX. 2 ) The interest rate charged was 16.99 % after initially told it would be 6.9 % 3 ) I was to be the co-buyer with my daughter, XXXX XXXX, whose score was XXXX. On Sales Contract I was listed as the buyer. XXXX was listed as co-buyer. 4 ) HIGH PRESSURE SALES TACTICS were used by Finance Manager XXXX XXXX. XXXX XXXX insisted I HAD TO BUY SERVICE CONTRACT or I could not be financed. I vehemently refused. The car has approximately XXXX miles. The manufacturer 's warranty is still in-effect. The basic to XXXX miles and powertrain to XXXX miles. The dealership advertises additional FREE powertrain warranty on ALL CARS PURCHASED up to XXXX miles. We were at dealership for over 5 hours. After I refused to buy additional warranty, XXXX said it was the only way I could be financed at the 6.9 %. Now the interest would not be given at 6.9 % but XXXX because of my daughter 's low credit score. My daughter was in tears. She was to start a new job that Monday I signed sales contract. I paid {$1500.00} via my debit card and my daughter paid {$500.00} via her debit card. The downpayment totaled {$2000.00} 5 ) Dealer sent NOTICE OF ELECTION TO RESCIND SALES CONTRACT via United States Postal Service Certified Mail, Parcel # XXXX XXXX XXXX XXXX XXXX received XX/XX/2018. XXXX ) Election to rescind due to " unable to assign the contract under terms acceptable to us with the financial institution with whom we regularly deal. '' AS I HAVE GOOD CREDIT, THIS ACTION CERTAINLY APPEARS DISCRIMINATORY AND FRAUDULENT.