WillisBack/dataset-financial-user-claim huggingface dataset:
I was moving out of my apartment complex, The XXXX XXXX XXXX XXXX ( Formally XXXX Apartments ) in XXXX Georgia, and paid all the rent that i thought i owed in XXXX of 2014. I was verbally informed that i paid everything owed and therefore assumed my bill was fully settled. Several months later i got a call from a debt collector, Rent Recovery Solutions, stating that i owed {$720.00} for various reasons. I never received a bill from the XXXX complex nor did they attempt to contact me regarding this bill at any point. After requesting an itemized bill from the debt collector i concluded that i owed a partial months rent which i paid. That brought the balance down to {$440.00} which the apartment complex claimed were damages done to the apartment. I am disputing this for several reasons. 1. There was no move in inspection performed when i took control of the property. 2. There was no move out inspection performed and therefore my signature is not present on the billing document. 3. I know that there was no move out inspection performed for the previous tenant as i am friends with him. 4. One of the items on the bill was marked as damage several months after moving out, this is not allowed by Georgia law. For these reasons there is no way for the apartment complex to accurately say i caused any of these damages. In addition Georgia law states that the complex is required to give me an itemized list of any damages upon move in, this was not provided. Georgia law also states that i must be present during the move-out inspection and sign the document to ensure an accurate list is maintained, i was not informed of any move out inspection and the documents sent to me do not contain a move out inspection, only a bill.Georgia Law also states that a move out inspection must be performed within three business days after moving out. One of the items on the list was added almost three weeks after moving out. 

Rent Recovery has been informed of all of these reasons and also told me that i could not contact XXXX XXXX to resolve this debt and must deal with them directly. After citing several Laws and filling a dispute with the credit agencies XXXX XXXX and XXXX have not removed this debt that they claim i owe.
I have so many issues with this response, that I do n't know where to begin! 
# 1 I provided PHYSICAL PROOF that the public records are not reporting accurately and must be removed. How are they going to tell me that it 's " accurate '' to report information that does n't exist and that is invalid? How is it " accurate '' to report a balance when it should state that it has been paid? 
# XXXX - they have the filing date as " XXXX/XXXX/XXXX '' - this date does NOT exist! 
They have " XXXX CT '' for the name of the court - that is NOT the name of a court and it must be accurately and completely listed! This is also required to state bankruptcy court [ city, state ] Where liability is listed, it should state numerically - this states " A '' Once again, I 'm asking HOW THIS IS EVEN LEGAL? 
# 2 Equifax 's response clearly states that the burden of proof is on ME and NOT them! This is not true. XXXX states in XXXX XXXX XXXX that the burden of proof is on them and they can not tell me that I have to go directly to the creditor to obtain information. That 's THEIR job. They get paid to report information that is ACCURATE AND COMPLETE. When I notify them that this is not so, they must conduct an investigation into what I 'm stating is inaccurate or unverified. When I tell them once again that they are incorrect, they must ensure that the information they receive from the creditor is in fact accurate! Telling me that they verified the tax liens is NOT legal verification. XXXX states that the ONLY legal form of verification is FIRSTHAND KNOWLEDGE. They MUST physically possess the documentation that substantiates the reporting of these accounts PRIOR to even reporting them to ensure what they are listing is accurate! 
# 3 The CRA 's are paid to report information and have no incentive to remove any of the items. It is, however, their job to ascertain that what they are reporting is correct. This is why I have sent them the proof that what they are actually have on my public records section is NOT correct and they have failed to remove or correct it after 2 months and XXXX rounds of letters. I 'm looking at the actual paperwork ( petition ) from the court that verifies that they are reporting information that is invalid. This is also why I have provided this documentation to you.
We made a payment on XXXX XXXX, 2016 for our XXXX XXXX, 2016 mortgage payment. The payment was recorded as a principal payment and not our regular payment. We always add additional amounts to be applied to the principal. 

We have called ditech multiple times asking them to record the payment correctly -- interest and principal plus additional principal amount. We have received a different answer every time. We were assured the payment would be recorded correctly by a certain date that has come and gone. Our account is showing past due and we always pay our bills on time and we do not trust this company. They will not send us any documentation of our correspondences. I tried over and over last month to set up a auto pay and it failed every time to set up correctly.
we recently refinanced our home with XXXX XXXX, they contacted Ocwen Loan Servicing for payoff amount and XXXX paid off the mortgage. there was an escrow balance of {$880.00} which Ocwen never returned to us. I contacted Ocwen by phone they stated that the escrow was kept to pay off fees that were not included in the payoff of the mortgage. I then emailed and asked for a detailed statement. I 'm not sure I understand one line of it? " As per the State laws ; in Ohio, foreclosure fees will not be charged and assessed. '' I read it as I wo n't be charged or assessed fees? 

Ocwen Loan Servicing, LLC ( OCWEN ) would like to take this opportunity to thank you for your recent communication regarding the above referenced loan. We appreciate the time and effort on your part to bring your concern to our attention. Pursuant to your request, we have reviewed the loan and below is our response to the concern raised : Concern # 1 Response You inquired about the balance of {$880.00} in the escrow account, which has been applied toward the fees. 
We reviewed our records and it was determined that foreclosure fees in the amount of {$1500.00} were not included in the payoff quote. As per the State laws ; in Ohio, foreclosure fees will not be charged and assessed. Therefore, the funds in the amount of {$880.00} from the escrow account have been applied toward the fees and expenses. 
Below is the description of Foreclosure fees assessed on the loan. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Date Description Amount -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX Foreclosure Fee {$280.00} XX/XX/XXXX Foreclosure Fee {$520.00} XX/XX/XXXX Foreclosure Fee {$310.00} XX/XX/XXXX Foreclosure Fee {$100.00} XX/XX/XXXX Foreclosure Fee {$300.00} XX/XX/XXXX Foreclosure Cost {$42.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Total {$1500.00} Less Paid/Waived {$690.00}
I purchase a contract # XXXX through XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX and Attorney XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, on XX/XX/2017. I paid XXXX down and finance XXXX the balance with Monterey Financial. They promise to relieve me of my XXXX XXXX XXXX XXXX  and give me a better way to vacation with XXXXXXXX XXXX. On XX/XX/2017, I received 2 turndown letter # XXXX and # XXXX dated the same day stated ( Mismatch social number ( bureau vs application ). Then on XX/XX/, I received a statement from Monterey Financial for {$7900.00} due on XX/XX/ for {$280.00}. OnXX/XX/XXXX I received confirmation from XXXX XXXX XXXX that they received my XXXX XXXX XXXX info and set up my client portal. 

I made my first payment of the XX/XX/XXXXand additional {$1900.00} on XX/XX/. I have not received anything membership from XXXX XXXX vacation plan. I call XXXX XXXX  and Vacation Consulting office after 30 days and I was told it takes 45 days to process and I receive a call from a supervisor stating It would take 60 days to process after they received my request to cancel. It has been more than 60+ days, no response from XXXX or any timeshare cure, vacation plan confirmation nor membership as promised. After several requests for results, I called my credit card company to dispute the purchase. OnXX/XX/XXXX, I receive an email from XXXX XXXX regarding my frustration. OnXX/XX/XXXX, I received a welcome letter from XXXX XXXXXXXX XXXX XXXX XXXX XXXX, stated it will be another 3 weeks to receive my membership from XXXX XXXX, on XX/XX/ I receive a packet from XXXX XXXXXXXX stating that my membership is effective XX/XX/ ( no calls or emails confirmation ). 

My credit card company got all my money back, but now my XXXX XXXX XXXX is delinquent and Monterey finance put my account in delinquent status. I am disputing Monterey Financial. I received another call from a company soliciting for XXXX XXXX XXXX, XXXX this week. All timeshare are scams. I have 3 timeshares so I thought I should help others and stop these companies from defrauding consumers.
Hello, I have safe deposit with US Bank in XXXX XXXX, IL. I paid the {$130.00} on XX/XX/XXXX approximately XXXX and explained to the teller ( XXXX I believe is her name ) that I will probably be closing the safe deposit box within the next week and if I did would I receive a refund. She informed me yes and I told her I would return. She stated thank you for waiting as it was a lengthy wait on this particular day and I asked again if I would receive a refund. She stated yes again. 

I returned on XX/XX/XXXX and proceeded to do what I thought was appropriate and close the safe deposit box as I had pretty much dissolved any business with this financial institution because of bad customer service. I was waited on by XXXX XXXX and unbeknownst to me as she was cancelling me out I retrieved my items she did not provide me with a refund like XXXX had stated I would receive. I informed XXXX regarding the conversation XXXX and I had on the prior Saturday. I told her that although XXXX did not know the amount she did not know the extent of the amount. I informed XXXX to reverse the cancellation because I would have not paid the safe deposit fee that prior XXXXy had I known and would have retrieved my items that day had I not received misinformation. 

XXXX provided me with a form with an amount of {$95.00} and when I asked her about the additional {$40.00} she became very indignant and told me the fee can go up at any time and that I could not receive a refund. I informed her it was completely unfair that not only was I given misinformation but there was price gouging and asked her to provide me with her full name and the branch managers name. 

She attempted to write her name down on a sticky note instead of providing me with a card and I had to insist on getting the branch managers name. To my dismay the branch manager was sitting right there while all of this was unfolding and told me that XXXX does not handle safe deposit information and would not know how it should be handled. 

I explained to the XXXX XXXX ( branch manager ) that I would have cancelled the box the same day however she would not listen and basically informed me that this is just how it is. I also explained that is really unfair treatment which resulted in me closing accounts in the past and for them to suggest that I can still close and be out of {$130.00} is ridiculous. While this entire ordeal was unfolding, I was on the phone and my witness heard the unprofessionalism. 

My position is had a known I would not receive a refund, I would not have renewed the safe deposit box and returned less than a week later and spend 40 minutes for nothing.
Started getting calls again for another person. I told them on XXXX XXXX that I do not know who he is do not call my number again. They said they would add my number to the do not call list. Again today I received a call from Ally bank looking for him. I had this same issue with them a few years back and they are starting up again.
TransUnion refuse to investigate the amount of inaccurate inquires I have on my credit report.
After Hurricanes in Florida, last XXXX, Bank of America offered payment forbearance on equity loan XXXX, 3 months, which I accepted. My understanding at the time, and with subsequent phone calls to my " account manger ( s ) '' XXXX, and then XXXX, was that the deferred payments would be tacked on to the back of the loan. 
once I started making payments again, in XXXX, unbeknownst to me, the bank reported me late, and owing {$3200.00}. As of recently they have me as 90 days late! 
This is destroying my credit, costing me money, and making for a finacial hardship with rising credit costs, and refusals for new credit. EVERYONE AT BANK OF AMERICA THAT I HAVE SPOKEN WITH AGREES THIS SHOULD NOT HAVE OCCURRED AS THE ACCOUNT WAS IN FORBEARANCE.The account manager explained they were " behind '' in their paperwork for the final agreement to be signed, but she would remedy the credit reporting.A few weeks ago I again spoke with XXXX XXXX XXXX, who again, " spoke with her manager '' and the neagtive credit report would be removed. IT HAS NOT!
About a month ago, I contacted your executive office about my XXXX credit card and late payments. I had advised the representative that there is a serious problem with making a payment online. I tried one more time online to make a payment as it is more convienent for me. I tried to select my bank account, and got an error, so I tried again. When I made the payment I received a message we have already received processed a payment for this bank account any payment date. Please view your payment history to cancel or edit a payment. 

I then check the following day-no payment! This has been happening to me for MONTHS. 

The agent did not seem to be concerned, or even wanting to fix the issue, and told me to pay by phone. OK, sure. Ill pay by phone. But why is synchrony NOT concerned that something may be broken and not want to fix it? Surely I cant be the only customer this has happened to. Im seriously wondering if this is a way to collect more revenue from late fees. I have saved screen shots of the message i received and it is attached to the complaint, plus showing no XXXX payment. 

Additionally, late fees, interest and an update to credit bureaus should be completed.
I have attempted twice to dispute a reoccurring charge with Capital One.. on both occasions I filled out all of the required paperwork, faxed it in within a few days and each time I call to follow-up I am told my information was not received. I have proof that the fax went through. This is a classic case of the credit card company not wanting to investigate the case and just dismiss the consumer. Terrible customer service! I have been trying to dispute this charge with Capital One since XX/XX/2016.
I received numerous calls stating they were processing a lawsuit against me for cash central and that I would be serve a subpoena to attend court on XXXX of the voicemails I was told if I did n't call back to Watch Out. The debt was about a payday loan that I took out that was sold to XXXX debt collector then that debt collector sold it to national check resolution also go by XXXX recovery services. When I called back the guy I talked to got very rude and aggressive with me as I began to question the matter he said it was because the subpoena was on the way to my house. They told me to give them my credit card number to settle a XXXX loan for {$300.00} or I will have to pay {$1000.00} plus attorney fees and court cost. I do n't know what to do because when I called XXXX attorney they tried to look up the company and told me it was a scam and I need to cancel my bank card but I do n't want to do that and end up getting sue for more than I owe.
Recently became aware of a default judgement from Alpine Capital Investments that was against me after I was served at my business for a discovery of wages a few days ago. 

After I was served with this notice, I went to the court house and pulled all the documents. I also went through old records of letters I had written years prior that were in my basement and try to put the puzzle together. 

When I sent the letter XX/XX/2011 after apparently getting a letter from them, I never heard anything else and I assumed they went away. I guess I was wrong. 

I do n't have any recollection of ever having any business of Alpine Capital and despite they lied about serving me, I discover that XX/XX/2011 a default judgment was made against me and now I am left in a situation that looks very dire for me. 

They are now trying to enforce the judgement plus fees and other interest charges in the amount of {$9400.00}. 

Had I ever had a chance to defend myself, I absolutely would but the fact that this " detective agency '' lied I feel helpless and unable to protect myself against fraudulent claims. 

While I have hired an attorney to help represent me, I am very disturbed at how the State of Illinois allows such awful things to happen to the consumers in this state. 

I am hoping you can help me because this fleecing of consumers is disturbing on so many levels. 

I am also seeking representation on a possible counter suite against them and the detective agency. I am ready to take it to the highest courts if needed.
I filed a dispute with XXXX, XXXX, and XXXX about an unknown debt listed on my credit report as a collection item. completed the form dispute process and asked the collection agency, XXXX XXXX XXXX, to provide me with documentation validating the debt belongs to me. 

On XXXX XXXX, 2016, I receive a letter from XXXX XXXX XXXX XXXX XXXX, where they failed to provide validation of the alleged debt to XXXX ( Merchant ) or the alleged original creditor, XXXX. The collection agency, cited the " seller 's records '' but failed to provide me with documentation that this debt belongs to me. 

I am requesting that the invalidated debt be immediately removed from my credit report.
XXXX XXXX XXXX is reporting 30 day late pay on credit reports for XX/XX/XXXX. I filed a dispute with XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX deleted the late pay for XXXX XXXX and sent a letter to me stating the outcome of the investigation. In XX/XX/XXXX I was notified by credit monitoring company I had a late pay added to my file for XX/XX/XXXX from XXXX XXXX XXXX XXXX. I contacted XXXX and they stated they made a error and would send correction to reporting agencys. I wrote a dispute to reporting agency with supporting documentation from XXXX. I received my investigation reports back from reporting agencys with no change.
I graduated college in XX/XX/2011 and my loan at the time was around {$35000.00}, currently my balance is {$46000.00}. I feel I wasn't given the proper guidance and how to handle my loans. I feel there has been added on charges as well, as Navient has been know to do.
On XX/XX/XXXX, I logged into my account with NFCU and requested a check of {$220.00} be sent from my account XXXX to my XXXX account. Normally, when this payment is made, it comes from a different account- ending in XXXX. 

When I submitted my payment, I changed the drop down box to be the account ending in XXXX, however NFCU still debited my account XXXX. In doing so, they twice debited the account and charged {$29.00} NSF funds. 

NFCU has been unwilling to admit their error, and will not refund me the {$58.00} in fees I have been charged. I believe this error was made on their part because of their buggy bill payment service, and not a mistake on my part. I would never schedule a payment for an account with no money in it.
I have had a mortgage for 13 years with Bank of America. I was late with my payment for XXXX 2015 but had properly submitted the payment with late fees through the Bank of America online mortgage payment tool. The payment was accepted for the date of XXXX XXXX, 2015. I just received on XXXX XXXX, 2015 a letter from Bank of America stating my mortgage loan has been transferred to XXXX and saying that Bank of America has cancelled my payment. The letter is dated on XXXX XXXX, 2015 but I received it almost 10 days later. I have no information from XXXX and I fear that my home is now at risk. I can not reach anyone at either Bank of America or XXXX because all of this came to me on the weekend and it is outside normal business hours. This is absolutely irresponsible and can not be legal or ethical to FAIL TO COMMUNICATE in ADVANCE a loan transfer.
I filed for a modification they set me paper saying I was missing a few papers! They said papers were due by XX/XX/XXXX. I set them on XX/XX/XXXX I find out late on the XXXX they are selling my house from underneath me on the XXXX! No notifications no nothing of a sale date! How can they send papers with the XXXX date on it and the sell my house on the XXXX! This is not right!
I had all of my student loans consolidated in XX/XX/XXXX, but Fed Loan Serv keep reporting my loans as120 days past due. These loans were opened between XX/XX/XXXX and XX/XX/XXXX.This is adversely affecting my credit score. I respectfully ask that all loans older than 5 years be removed from my credit report.
Wells Fargo SBA loan officer is using an acceleration clause and calling the total SBA loan amount due within 14 days, a total of {$510000.00} dollars.The SBA loan is in good standing, payments have been made. 
Wells Fargo 's stated reason for the accelerated payment request is over an unpaid line of credit of {$49000.00}. 
This line of credit was used by the previous owner of the corporation in the amount of {$27000.00}. Yet Wells Fargo is still trying to collect the entire amount of {$49000.00} from the company, moreover now we have to pay off the entire SBA loan amount of {$510000.00} Company made a {$25000.00} payment on XX/XX/2018 to stop the acceleration of the total loan, and further we made a commitment to pay the remaining amount as well since Wells Fargo would not stop the proceedings. 
However in the mean time the enclosed letter arrived from Wells Fargo holding the previous owner responsible for {$27000.00}. 
We have asked the loan officer to stop the acceleration payment and relieve us from the remaining debt obligation, however Wells Fargo is still perusing us for the total payment of the line of credit and the accelerated SBA payment. 
Please help us resolve this issue with Wells Fargo.