WillisBack/dataset-financial-user-claim huggingface dataset:
I have recently been looking for an new apartment. I have been denied due to a judgment on my credit which was for an eviction for a property called  XXXX   XXXX . I was told that it was being handled by a collection company calle d UScollections West. I  called the property in  XXXX  to find out why they placed a eviction on my credit. I was informed by the lady at the office that they were new management and that there wer e two differe nt property owners who were no longer there and that they were no longer in business. I was told that I should call and talk with the collection company. I called  UScollections West and  talk with a man who said that they had signed documents from the court that I appeared and pledged guilty to the eviction. I advised him that there is no way they would have any documents that I signed and pledged guilty to any eviction and that I did not owe anyone anything that all monies that were owed was paid at the time of me moving out. I advised him that I had to show proof it was paid in order for me to get my new apartment that I moved into right after moving out of   XXXX   XXXX   XXXX  . He wanted to know if I had any receipts I told him no due to me not keeping anything past a year o r two  and this going back to  XXXX    XXXX  . He told me that I could pay {$5000.00} to settle the account. I told him the account on my credit was not even {$5000.00}. He then told me that I actually owed  XXXX . I told him I would not pay for that is not fair. He then gave me the court and attorney information. I called the  XXXX   XXXX   XXXX  court and was advised that there was not Junction filed against me and that there should be nothing on my credit. I filed a dispute with the Credit Bureau and was told that my dispute was denied due to the company saying it was valid. I filed another dispute with extra information and was told that it could take 30 days. I called  XXXX  on  XXXX   XXXX  and was advised that the eviction and judgment was removed off my credit however UScollection s West just ch anged the account to a collections account. I have been sent paperwork that has no signature of mine and I have no way of contacting the property management company due to them no being in business.
We have had ongoing disputes against Select Porfolio Servicing filed with the CFPB. Those disputes are under claim # s - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX - XXXX, and XXXX. All of these complaints request information regarding our " mortgage '' that was supposed to be paid XX/XX/XXXX but was placed in false default by SPS, with the loan " paid out '' by another entity before receipt of our payoff loan amount. SPS has just sent us a letter, see attached, stating that they can not response to our requests for information given that the loan was serviced over a year ago. However, in XXXX XXXX, SPS acted as a servicer, without any authority, or Power of Attorney to act, by recording a new assignment, and discharge, in our County. SPS also provided information to us that our loan, prior to our actual payoff check, was placed in default due to Forced Placed Insurance ( that was not required at all ), and we were never informed of that insurance. SPS also assessed default fees and charges against us after we paid off the loan in XX/XX/XXXX. SPS refuses to identity the entity that actually paid out on the loan to SPS, and what SPS actually did with our payoff check monies. SPS states that it has been over a year for servicing, but they file an assignment and discharge, without authority, in XXXX XXXX. Obviously, SPS was still servicing in XXXX XXXX - or they have no authority to record any documents in our County. We request, again, for SPS to provide all information, regarding our loan, that we have requested, and SPS has failed to provide, and to explain why SPS continues to act as a servicer, on behalf of XXXX XXXX XXXX Bank, who has no knowledge of our loan, in XXXX XXXX, but refuses to cooperate with us to provide accurate and complete information as requested, multiple times, and under RESPA, to us..
I discovered this in XX/XX/XXXX. Since this time, I have been trying to fix this issue with the Company to no avail. 

Pursuant to the Fair Credit Reporting Act, Calvary Portfolio Services is in violation of RE-AGING an account and reporting inaccurate and false information to XXXX that they have now CERTIFIED. XXXX XXXX Acct # XXXX, by all other credit bureau accounts, note the above account as having been OPENED in XX/XX/XXXX closed with a XXXX balance. 

However, Calvary Portfolio Services reports the same account to XXXX, opened with a {$1000.00} -- stating it was opened on XX/XX/XXXX. I have no knowledge of such an account. XXXX is refusing to re-investigate it because CPS have certified to this inaccuracy. From investigation, this company has a history of re-aging accounts and attempting to collect them.
My HOA, XXXX XXXX in XXXX XXXX Florida changed the management company they use in the past 6 months. I only received notifications that they were no longer using XXXX, I did not receive a notification of whom our new management company was, therefore, I was not made aware of who to pay our XXXX dues to. I received a letter from XXXX collections company yesterday stating I owe the past due HOA fees of {$240.00} plus a {$150.00} collections fee. The collections fee is more than 59 % of what I owe the HOA. The contact information for XXXX XXXX XXXX.
XX/XX/17 and XX/XX/2017 contact was made with XXXX at Bay Area Receivables regarding incorrect information that was reported to all three credit bureaus regarding a debit I do not own nor is even affiliated with my name. I spoke with XXXX at Bay Area Receivables and requested a letter to provide to XXXX to document information on my credit report filled by Bay Area Receivables is incorrect and that I am not affiliated with the account nor name that was submitted to all three credit reports by Bay Area Receivables. Sue, in the special sevice department at XXXX stated I needed the letter along with the dispute to have the information removed. I was told, per XXXX, that " XXXX '' the owner of Bay Area Receivables would not provide me with a letter nor would she. Bay Area Receivables reported a debit to all three credit bureaus that show an alias name on my credit report along with a debit owed by another individual. I was told by XXXX I needed a letter from Bay Area Receivables to file my dispute for the alias name that does n't belong to me along with the debit not belonging to me. I have also contacted the original creditor and told by " XXXX '' collections department at XXXX XXXX XXXX that I could not receive a letter regarding the fact that I do not owe money and am no affiliated with this alias on my credit report.
XX/2016 took a XXXX dollar loan toake ends meet, and they want XXXX dollars by weekly and the interest is through the roof they are saying I owe them XXXX plus late fees etc now they are saying their taking me to court and garnish my wages 45 %
On XXXX/XXXX/XXXX I contacted NCB Management Services and inquied about a debt that 's being reported on to my personal credit report. I spoke to a XXXX XXXX, XXXX ext : XXXX and supervisor by the name of XXXX XXXX. I requested that theyprovide me with proof of debt and a legal binding contract with NCB Management Services that I have signed. I explained that I have never signed anything document that gives them the right to report to my credit report. I even asked for them to prove that they are legally bonded in the State of Florida to collect debt. I was told that they are not required to provide such information. They stated that they will mail out a dispute letter. All these questions were left unanswered. They kept asking how do I plan to resolve the debt. They were not helpful at all and very evasive.
This is a dispute regarding claim XXXX. I received a XXXX package on XXXX/XXXX/XXXX, duplicate of XXXX package. Still no explanations. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my property taxes were assessed as a business instead of a residential property. It was a {$400.00} or more increase. XX/XX/XXXX, I paid XXXX in taxes. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX my property was assessed as residential, this is when my PMI insurance went up. In XX/XX/XXXX my PMI was prepaid XXXX according to my HUD statement. XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX ( up XXXX ), XX/XX/XXXX I paid XXXX ( up XXXX ), in XX/XX/XXXX, XXXX ( up XXXX more dollars ). XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX. When my property taxes go down my PMI insurance goes up. This type of fluctuation deserves an explanation. I also have not received and explanation of the escrow shortages. Wells Fargo owned the property when I purchased it, it was over appraised at XXXX so FHA would insure it. My mortgage was executed@XXXX, in which it 's only worth. The property never had a clear title. The loan was not within FHA downpayment assistance guidelines. Wells Fargo did n't disclose the lien, but tried to hide their identify by transferring it threw XXXX XXXX XXXX. The lien was very apparent, but the property was continuously sold. My property have be reappraised and reassessed, sold, allegedly transferred, but never assessed, until five years later, which not executed by me. Enough is enough. You ca n't get my money and not give me and explanation on what Is going on with my loan. Still waiting on answers.
I have contacted XXXX several times to have late payments that were incorrectly reported to the credit agencies for the months of XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. I had payment arrangements set uo for these months and these late payments should not have gone on my XXXX record or reported to all three agencies.
On XX/XX/2018 my employer advised me that a letter was received from Kashia dba XXXXXXXX XXXX. The letter states I agreed to have 25 % of my wages garnished for a total amount of {$1600.00}. The loan amount was for {$700.00} and i never agreed to pay over {$900.00} plus the original loan amount of {$700.00}. The letter sent to my employer states I agreed to the garnishment which is untrue. This company has not reached out to me to make any arrangements prior to submitting this letter to my employer.
Equifax /XXXX /XXXX credit reporting manipulation they state the alleged account is paid charge off in XX/XX/2019 But I never paid the alleged account because its not mine { this paid charge off will stay on my credit report and is not accurate Enclosed are Facts from Equifax /XXXX  that show the statement Im making is true.XXXX  even when as far as lying to the CFPB in there response and Equifax after that RESPONSE DID NOT REMOVE THE ACCOUNT [ ENCLOSED IS A LIST OF DOCUMENTS I REQUEST FROM EACH COMPANY but they just send template LETTER BACK IN RESPONSE contact furnisher } I will subpoena the documents if need be, I want in conclusion a copy of receipt I made the payments they claim. Again credit manipulation { truth in accuracy in there reporting
In approximately XX/XX/XXXX/XX/XX/XXXX a fraud alert was placed by MasterCard Because my credit card had been compromised. The card was temporarily closed and they issued a new one, which I received a week later.In the meantime I had to use my other credit card : XXXX, which I rarely, if ever, use. A few weeks later I received the bill to pay XXXX. Not being used to receive bills from XXXX, when I saw the envelope I thought it was advertisement so I threw it away as junk mail with the other junk mail. The bill was for approximately {$480.00}. After XXXX called me twice and made me aware of the lack of payment, immediately I wrote a check and sent it to them. I thought that was the end of it until my credit scores were affected significantly.I called XXXX, TRANSUNION, XXXX, XXXX and submitted disputes to no avail.TRANSUNION, especially, lowered my credit score significantly, About 100 points.. 
For many many years my scores have been nearly perfect ( In the 800s ; at one point it was close to the maximum score attainable ). My payments are always on time, except for this is with XXXX bill.The Credit companies have not considered my prior, nearly perfect credit scores, as a factor In my favor, so they lowered my score significantly ( from approximately 825 to XXXX- TRANSUNION ) ; the other Credit companies have similarly lowered my credit score but not as much as TRANSUNION . I request your help with this situation. Thank you XXXX XXXX, XXXX  XXXX XXXX
I transferred a balance in XXXX XXXX to Discover Card services with a promotional 0 % interest rate until XXXX XXXX. The card also gave me a 0 % interest on new purchases until XXXX XXXX. In my agreement it stated that all payments would be applied with the majority going to the promotion that had the higher interest rate or in the case that was the same the one that would expire first. They instead applied the majority of my payments to the balance transfer that is not due until XXXX XXXX paying it almost in full while the purchases have accrued to more than what the original balance transfer was. I have statements from the CC company showing this and my original agreement. Instead of my payments being equally distributed or majority going to the new purchases as described by Discover, they have forced me to either pay off the new purchases in the amount of $ XXXX by XXXX XXXX, XXXX and leave the original balance transfer that was under {$1300.00} that they have paid down to $ XXXX and was n't even due until XXXX XXXX. Very unethical practice to force me to pay 25 % interest on something I was paying on monthly so I would not have a large balance to pay off in XXXX XXXX. I find this practice deceiving and verging on deceitful to change a 0 % interest into 25 % interest. BEWARE of Discover!
Continued calls after I verified I am not the XXXX XXXX that owes Ditech Financial LLC, formerly Greentree Financial Services, nor am I affiliated with XXXX XXXX or any property at XXXX XXXX, Ky. There have been calls daily up until after XXXX and throughout the day on my cell which I use for my business. There are multiple numbers in which the calls come from out of Texas, but the number in which to return the calls remains the same.
My mortgage loan servicing has changed too many times. My former company, whom I hate, ( United Security Financial Corp/XXXX ), sent me a letter informing me that XXXX XXXX XXXX XXXX will now collect my payments. United Security / XXXX XXXX will no longer accept my payments as of XXXX XXXX. Today is XXXX XXXX and I have not received anything from XXXX notifying my of the changes let alone the terms or anything else. While I am happy to leave United Security / XXXX XXXX because they charged me two whole months worth of mortgage payment and still left {$1500.00} unapplied for some unknown reason that even their own customer service department ca n't explain, I still need cooperation from RoundPoint. I can not make a payment without an account number. I am sick and tired of my mortgage loan being sold and resold over and over without my permission. This should absolutely be illegal and it is unfair to the consumer, especially those of us who have NEVER missed a payment.
This was an auto lease of which I was the co-signer. I have checked and called Honda Financial several times to confirm the account is closed and has a XXXX balance. The account is in fact close and I will attach proof that the account is fully paid and closed.
I am XXXX military and after transferring from Maryland I could not sell my house due to its decline in value. I also could not refinance because it was considered an investment home. I requested a modification to make the payments more affordable. I showed financial hardship and for a year was given the runaround by ocwen for them to ultimately deny me the modification. Die to flood damage costs by the tenants and the tenants financial hardship, they were unable to make full payments. I was unableTo repair the home, make the mortgage payment and continue to pay the rent in the home my family of XXXX children currently lives in. I wasLate on the ocwen mortgage for a few months, less than three, during summer of 2014 while I was XXXX to the XXXX XXXX. Ocwen finally granted me a modification once I became delinquent on the payments. I have been current on all payments since XXXXOf 2014 yet ocwen continues to show that I 'm making late payments as recent as XXXX of 2014. This is affecting my ability to even rent a home and keep shelter of my families head because landlords are seeing the in accurate reflection. Ocwen has not positively worked to rectify this problem and I need help.
I find no titles here that address my problem with XXXX and Transunion credit reporting offices. I have no idea how they determined that by me using my credit card, that it should effect my credit score by a negative XXXX when usage should have absolutely NO bearing on my score. 
Credit scoring was to be on how well we pay our debts, NOT when and how much we spend and by using what method we used for a payment method. Our spending habits are NONE of those credit reporting offices business! 
My credit score was up in the XXXX area, plus or minus XXXX or XXXX points but since I used our credit card to make a couple of purchases, I am being punished for such activity! 
I find this Highly irritating as I have a percentage factor of XXXX percent relating to On Time Payments and bill payoffs. 
What gives these credit reporting offices the legal right to punish consumers for using their Good Credit?? 
I wish to submit a formal complaint against these XXXX offices for Discrimination against such consumers as myself as they, in my opinion are violating my consumer Rights and creating an embarrassing situation for me when someone checks my credit score. 
These credit reporting offices are changing their policies on how and what they use to discredit honest, bill paying citizens and should be investigated based on their biased and discriminatory activities.
A bankruptcy along with non-approved inquiries was dispute over 30 days ago and a removal was requested. I have a certified receipt of delivery of that request. No action has been taken by Experian as of this date, XXXX-17.
Called in the last week of XX/XX/XXXX to close an account. Was told I can't unless it was XXXX. Was told that final balance checks are not mailed. 

Transferred money out to XXXX  the account. A {$12.00} fee was applied when my account balance dropped. 

Called again to close, was told they can't close or attempt to dismiss the fee because it was pending. 

Called again on XX/XX/XXXX after the charge posted and was told they won't dismiss the fee because it followed the rules. Also told I can't close the account.
I have written to XXXX XXXX/Rooms to go on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an account with them and certainly did not fail to pay any amounts owed. 

They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. 

This charge off is harming my credit profile and score.
Hi, Wishing you well today! Thank you for taking the time to read this message. Attached are pictures of past missed student loan payments that are significantly lowering my current credit score. When I first got out of college, in XX/XX/2015 as stated above, I was not aware that my loans were due. This hurt me for 2 months before I realized it as I had no credit at this particular point in time. Though my only excuse is being young and naive, I did not understand how credit worked at the time. I did not even own a credit card, and I had no established credit. I am just writing this to humanize myself and to hopefully have these derogatory marks as I have made every credit payment since! My loans were actually deferred for an entire year due to low income as well. I fully intend on continuing to do so, in terms of maintaining all of my payments in a timely manner, in my present and my future. Please help me create the credit I know I am capable of achieving and maintaining. I appreciate your time and efforts.
I paid off this auto loan over 3 years ago it is still showing a XXXX balance on my Credit report but showing 120 days late..this is negatively affecting my credit this needs to be removed from my credit report altogether thanks account number XXXX XXXX XXXX XXXX XXXX  Account 1 : XXXX and Account 2 :  XXXX XXXX XXXX DOB XX/XX/XXXX
In XX/XX/XXXX, I visited a physician and underwent testing at XXXX XXXX ( SC ) in XXXX, IL. Subsequently, I received an EOB which stated that the initial claim was denied. I did not hear back from SC until XX/XX/XXXX, after which I received multiple bills in varying amounts until XX/XX/XXXX. I expected that the sum would be picked up by my insurance company as I did not hear back from SC. 
Much to my dismay, when I was applying for credit in XX/XX/XXXX, I was informed that I had 6 adverse remarks on my credit score. 

Apparently, in the previous 6 months, my bills were transferred to Pro Com Services of Illinois ( XXXX XXXX XXXX, XXXX, IL XXXX ). When I contacted the agency, I was informed that these remarks were placed after multiple attempts to contact me. I informed them that I had never heard from Pro Com ( in writing or over the phone ). I immediately paid the amount owed. However, till date, Pro Com has not undertaken any actions to correct these adverse marks that should have never have been placed in the first place. 

I am deeply distressed by these developments. As a law abiding person, I have never been late on a single payment under any circumstance. I am disturbed by the actions of XXXX XXXX and Pro Com. I believe that the actions of ProCom represent predatory practices and must be investigated.
Got automated messages on my place of employment and cellphone from XXXX about 2 collections that are against me, was given a reference number and to call XXXX. I called back and spoke to XXXX XXXX from XXXX XXXX that there is one account from 2006 that owes {$560.00} from HSBC, I do not recall that account. But they told my current address, which I have gotten no written notification about this account. Told her to provide written proof, was told her job was to communicate the information to me.
I wrote to XXXX and asked them to prove they are the legal owners of the debt. They have not provided anything that proves their ownership. I also asked them that they be removed from my credit report but they continue to report the debt.