WillisBack/dataset-financial-user-claim huggingface dataset:
We tried to refinance a rental property of ours on XXXX XXXX, 2016. We have paid our mortgage with them for almost 10 years & have never been, late. We scanned loads of documents for Citibank for almost 4 months & they kept letting our documents expire & then asked for more documents. We had a closing date & time with them & then they cancelled closing asking for yet -- -more documents! We decided they were never going to stop asking us for more verification, so we told them to give us our application fee funds back, that we were not going to keep being strung along while it was never-ending documents they wanted from us. They took almost {$700.00} from us, wasted our time, while now refusing to refund our money. Account manager is XXXX XXXX at XXXX XXXX XXXX. Please help! XXXX XXXX - XXXX XXXX XXXX. Thank you.
I called XXXX in XXXX 2010 that I wish to discontinue my service. They told me they would send me a box to return the receiver. A couple of months passed and I never received an authorization to return the receiver and I did not use my XXXX service after XXXX/XXXX/2010 since they told me I was paid up through that date. They began calling me to collect in XXXX 2010 and I will not pay the {$180.00} balance since I do not owe it. They have reported this on my credit. I need this taken off since I do not owe it.
COLLECTOR VIOLATED 2 TCPA INFRACTION! SEE ATTACHED PHONE RECORDS, CALLER I.D . ALSO, VIOLATORS OF THE DODD-FRANK ACT!
I returned the XXXX and everything was in working condition. I starting getting letters in the mail that I owed money for the XXXX. They did n't give a receipt so I had no proof of returning. I had heard from other customers that they were doing the same to them. I think personnel were stealing equipment and the company is unaware and is going after the customer. I refused to pay the amount because I returned the equipment and whatever happened to it after I left is not my responsibilty. I would like this removed from my credit report.
I rent a house for XXXX in a bad condition on XX/XX/XXXX, the owner told me that he was going to fix the house, but he never did. I called the board of health, and they inspected the house, On XX/XX/XXXX, the house was uninhabitable. He had to fix the house but instead he took me to court, because he didnt do anything about it I stopped paying him the rent. It was my right to not pay the rent and not get evicted.
I have been paying XXXX XXXX for almost a year. None of this money has gone to my student loans. They offered me forgiveness of my loan by paying them XXXX a month. My student loans increased, and XXXX just keeps taking money from me each month. It really seems like a scam. Please contact me about this matter. XXXX. Thank you.
I have requested online my credit reports from the XXXX bureaus for myself and my wife on XXXX XXXX on XXXX. I received a message for Equifax that they could not provide my credit report due to technical difficulties. I went back three days later to pull the missing reports again and was told that I was not eligible to receive the reports since I already requested them. I then wrote to XXXX, who then sent me a letter stating that they could not help me and I had to take up the issue individually with each bureau. They only provided mailing addresses, no phone number, or email. The credit bureaus ' website also did not provide any contact information besides mailing addresses. It is very costly for consumers to have to deal separately with each credit bureau in order to get the reports that they are due by law. 
In addition, I have been trying to verify the credit freeze status of our reports and this has proven impossible. We have had freezes put on our reports in the past for security purposes, but these have been lifted temporarily when we were getting a mortgage and I wanted to verify that they are in place. As far as I can tell, the only way to be sure that our reports are frozen is to pay to refreeze them and that just seems plain wrong. 
On a more general note, it is disturbing that there are these credit bureaus out there that amass information about me, whose information provision has a substantial impact on my financial life, yet who make it tremendously difficult for me to actually contact them or communicate with them. 
Please note that I have filed a related complain with XXXX.
To Whom it May Concern : XXXX is furnishing inaccurate negative information to the credit reporting agencies in violation of the FCRA. On XX/XX/XXXX, I pulled my credit report in connection with applying for a mortgage. My credit report indicated a collection from XXXX for a debt with an alleged date of first delinquency of XX/XX/XXXX that was assigned to XXXX from XXXX XXXX XXXX on XX/XX/XXXX. This debt is not valid. I do not owe this debt and it is being reported illegally. I fully complied with my lease with XXXX XXXX  and left my rental apartment in the same condition that I received it, per the terms of my leasing agreement. I did not owe any outstanding balance when my lease ended and I vacated the apartment. When I received a cleaning bill from XXXX XXXX, I contacted the management company ( XXXX ), as well as its Attorney, XXXX XXXX. I sent several emails attaching photographs of the apartment as I had left it and asking for evidence that the apartment required a cleaning fee for anything beyond normal wear and tear. XXXX XXXX provided no evidence to justify its bill despite our requests. My wife, an attorney, also left two voice mails for Mr. XXXX, as noted in the attached email chain. 

Since XX/XX/XXXX until XX/XX/XXXX, I heard nothing from XXXX XXXX XXXX or XXXX. I never received a debt validation notice despite the fact that my wife and I have had the same phone numbers and emails since XXXX. 

As a result of XXXX inaccurate furnishing and other FCRA violations, I am suffering monetarily and emotionally. I am currently trying to get a mortgage and have been advised by my bank that this collection is negatively impacting my credit and resulting in a significantly higher interest rate. I need this invalid collection to be deleted from my credit reports immediately.
In XX/XX/2006 i attended XXXX XXXX XXXX XXXX, I currently have {$26000.00} in student loan debt. XXXX XXXX XXXX was not fully accredited, none of my credits transfer. the program closed soon after the college itself was shut down.
I MAKE A PURCHASE, WITH MY DEBIT CARD, I NEVER GET THE SERVICE, I PAY FOR, I FILE A DISPUTE WITH ALLY BANK, THE OPEN THE THE CLAIM, THE SEND A NOTICE TO XXXX XXXX REFUND THE MONEY TO ALLY BANK, ALLY BANK NOW REFUSE TO CREDITE MY ACCOUNT.
Defendants have been reporting derogatory and inaccurate statements and information relating to Consumer and Consumers credit history to third parties ( hereafter the inaccurate information ). The inaccurate information includes, but is not limited to, accounts with Astra, XXXX and personal identifying information. 

Despite Consumers efforts, Defendants, have never : a ) contacted the Consumer to follow up on, verify and/or elicit more specific information about Consumers disputes ; b ) contacted any third parties that would have relevant information concerning Consumers disputes ; c ) forwarded any relevant information concerning Consumers disputes to the entities originally furnishing the inaccurate information ; d ) requested or obtained any credit applications, or other relevant documents from the entities furnishing the inaccurate information ; and e ) performed any handwriting analysis.

Defendants XXXX willfully and negligently violated the FCRA, 15 U.S.C. 1681i by failing to perform a reasonable re-investigation into Plaintiffs disputes, failing to forward all relevant information to the furnish-er, parroting the furnish-er, and failing to notify Plaintiff of the results of the disputes. 

Defendants Astra and XXXX willfully and negligently violated 15 U.S.C. 1681s-2 ( b ) by failing to perform a reasonable investigation into Plaintiff disputes, which would have included reviewing and considering that Astra and XXXX did not have Plaintiffs signature on any documents, that Astra and XXXX had illegally reported accounts in Plaintiffs name without his knowledge or consent and that Plaintiff had multiple direct conversations with Defendants Astra and XXXX about this fraud.
I have a loan I didn't take out from XXXX XXXX XXXX. Please put a fraud alert on this account, my FAFSA stated someone took out a loan of {$550.00} please delete that from your database or investigate. I never authorized that school for anything. I never went there at all.
On XX/XX/2018 I checked my XXXX credit report, I notices two accounts on my report that not mine .I disputed this threes times with XXXX and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Accounts below XXXX XXXX XXXX # XXXX Open Date XX/XX/18 {$4000.00}
TDBank was involve in a lawsuit due to fraud overdrawn charges to a massive of clients in their bank accounts. If I am not mistaken this lawsuit took place between the years XX/XX/XXXX-XX/XX/XXXX. My account was part of this lawsuit. Due to a loss TD Bank sent refund checks to their clients. Unfortunately, I misplaced my check and found it a week after deadline to cash it. After this issue I find out this amount was in a consumer report collection and I was unable to open an account at a Federal Credit Union. I disputed this situation with TD bank, main office, and with XXXX XXXX, XXXX XXXX , XXXX. I presented copy of the check and other documents I was able to find along with my statement but it was failure. I was unable to clear this collection. 

After 2 or 3 years I received in XXXX 2015 a settlement letter from XXXX XXXX , XXXX. I feel exhausted disputing for this amount, TDbank have a horrible customer service when it comes to dispute these type of situations or they can not accept the truth. 

My huge interest is to clear all my collection accounts, which for different reasons whether was a default of my end or inevitable situation to handle. I am in a status to work my credit to a great credit.
I became aware of a debt for a returned check that is reported on my credit reports. I reached out to the company for information and when I received this I sent payment for the account as well as a request for the account to be deleted ( I sent this via certified mail in XXXX and am satisfied they received it ). I attempted to follow up with this account and asked if they would please respond to me in writing as to why they have refused to cash this payment. They responded by calling me. I once again reached out via mail ( certified ) to ask that they refrain from phone contact and to please send to me in writing why they will not cash this payment and update my account. They continue to report this as an unpaid debt to the credit bureaus and refuse to provide me with an explanation as to why they will not update this account.
Debt collector coming to my house over stepping thier boundaries, excessive calls and voicemails from XXXX to around XXXX or XXXX. all the options to satfiy the loan was told to creditor and still calling and showing up at my place of resident to collect debt. Unfair business practices involving the Truth and Lending Act. Also steady changing the terms condition of the loan itself.
This is not my debt and I would aporeciate CBC stop placing inquiries on my credit report.
Nelnet  raised my payment to an exaggerated amount than when I could n't pay it they offered me a deferment taking on all the interest to my principle. They then said at the end of my deferment my payment would be manageable but instead it came back at the original exaggerated amount. I 'm tired of the games they are playing adding interest and fees when they know I ca n't make their demands.   Please help stop these preditory practices to a stay at home mother of  XXXX .
I was in the process of a loan modification and Well Fargoclaimed that I had a lien on my property in the amount of {$18000.00}. I completed the trial modification. 
I went back and forth with them and told themthe lien is against another person with the same name. 
I provided my own title work which proved the lien wasnot on my property. I contacted them several times and wastold someone would reach out to me but only after theydenied the modification due to a time lapse was I able toreach someone. I provided them with the attorney 's nameand telephone number who filed the lien. They are horriblewith follow-up and may cause me to lose my home becauseof lack of service and the lack of follow up on the informationI provided to them and that is readily available to themthrough other sources.
I have verified all three of our trial payments were made and cleared. However, we are unsatisfied with the new payment ( {$1400.00} ) and will refuse the new terms because they include money ( {$880.00} P & I ) for escrow ; ( {$600.00} ) that is not required at this time. My taxes are under a  XXXX exemption, therefore payments for taxes were returned. A representative of Nationstar/Mr. Cooper stated that it is not the responsibility of the mortgage company to question why the taxing authority keeps returning payments. In the meantime I have sent proof of my exemption numerous times over the past several years, just to be told that we have then they do not have it. This information is being sent to the CFPB for response and relief.
On XX/XX/XXXX I made a {$250.00} Deposit to Cover incoming transactions. The transaction had not cleared my account, despite having the money available in my account TD Bank charged med {$100.00} in Overdraft fees. TD Bank has manipulated there system to increase NSF Fees on their customers.
My dispute is with the creditor, as you will see in the attached email chain. The creditor, XXXX fraudulently tried to charge me triple for treatment I received earlier this year. I emailed the creditor advising I disputed the fraudulent amount and I wanted to clear this up, and as you will see in the attached copy of the email chain they responded that someone would be in touch with me. I never heard back, and you will notice I emailed them again to follow up, but heard nothing. Now, I am receiving a dunning notice from XXXX ( copy attached ). While I understand that my communication was with the creditor, per the communication from the CFPB the debt collector is responsible for performing due diligence on new placements prior to making collection attempts to determine if a dispute exists. I received no verification of the debt or response to my dispute, but collection activity continued in the form of my receipt of this dunning notice. This constitutes a violation of the FDCPA.
To Whom It  May  Concern My Name is  XXXX   XXXX   XXXX  my complaint is w ith Wells Fargo Home Mortgage is two parts, credit reporting to  the  XXXX  bureaus, I filed a Chapter  XXXX  in  XXXX  in doing so it was not aware that recommit my loan w ith Wells Fargo Home M ortgage  XXXX  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XXXX  we have never missed a mortgage payment. however, we filed for a home modification in   XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with wel ls Fargo. we were told by the person handling the modification process with Wells Fargo, that for us to qualify for the modification, we had to be behind on our mortgage payment. I told h im at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XXXX  we have contacte d Wells Fargo about this ma tter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely
This is on my credit reports. I sent them a letter XX/XX/2015. They have ignored me.
In XX/XX/XXXX, we lost our home to foreclosure. The home was sold for the debt and it was paid. There was a second mortgage of XXXX that was written off and we paid federal taxes on this as income in XX/XX/XXXX. Ditech has been sending letters to my husband about this for years, attempting to collect, but the case was closed. Now, they are sending letters to me, and my name was never on this loan. Please make this company stop sending these bogus letters. We have contacted them repeatedly to no avail.
Around XX/XX/XXXXI was contacted by XXXX XXXX XXXX with a program to consolidate my student loans. I signed up, paid an upfront fee and then {$50.00} per month as the program stated after so many years of paying my loan would have {$0.00} balance. In XXXX, I learned that this company did not consolidate my loans and did not make monthly payments on them. They changed my contact information to an address and phone number in California, which I was unaware of. My credit report shows that American Education Services has or had my federal student loans but when I inquire they said that my account number does not exist. Fedloan servicing, now handles AES loans and I contacted them with what had happened. They said that I would just need to log into my account and see if I would qualify for one of their programs. Every time I attempt to log into the account it automatically generates a forebearance request. CFBP filed a law suite against Student Loan Servicing in regards to this and that consumers affected would be contacted. I was never contacted and I am not sure who has my federal loan.
I decided to check my reports from all credit bureaus for accuracy. I have noticed that there is a credit inquiry on my Equifax report that I did not authorize and had no knowledge of. I contacted Equifax immediately and was being given no help. I also request a fraud alert already to avoid any future issues. please see the following inquiry that were not authorized by me with the date of when the report was improperly requested and received. I have investigated and none of these companies received any identification or authorization from me to pull my credit for any reason.      XXXX / XXXX  dated  XXXX / XXXX /  XXXX
I have disputed inaccurate information multiple times with Transunion, XXXX XXXX and XXXX XXXX XXXX. These 2 accounts are not mine but still remains. 

{$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
I tried to open up a business account and I was approved and then they were asking for other information that wasnt pertaining to the type of business that i have. I have a consulting business that consists of services for consumers to learn how to clean their credit for free and how to find their ancestors. They company repeatedly kept asking me for a description of the business and i would send it over and over. Then they sent a statement stating that i had requested business credit and I have never requested business credit.
I have been trying to remove negative marks from my credit report. Equifax has given me the hardest time. I had a tax lien with the State of Ohio. It is over XXXX years old and it has been released. It should be removed but it has not been. I feel that this is an unfair practice and should be resolved.
I opened a business account with XXXX XXXX, I went to deposit some checks on XX/XX/XXXX. The teller said my account was closed, I asked why, she said I had closed it. I went home to look at my statement and the account was never closed by me and it had money in the account. I then called customer service and told them of their error, XXXX said the account was closed due to several return mail fees, she said someone would contact me within 5 days, later that day XXXX called me and said the account was closed due to return mail fees, he also stated it was my responsibility to notify the bank of an address change, he was shocked when I told him my address never changed, he said he would investigate and call back on XX/XX/XXXX after he talked to the branch. XX/XX/XXXX it was getting late so I called XXXX back asking for the explanation, he said the branch had no explanation, I asked him to reopen the account and put the money back into the account, he refused and said he could do nothing about it and it was up to the branch manager. I called the branch manager XXXX at XXXX XXXX XXXX, XXXX SC XXXX. XXXX stated they do NOT have any proof of returned mail but my account was charged for the returned mail fee, then charged every month after until all money in the account was depleted, they then closed the account. XXXX also stated they do this if an account is inactive hoping this will trigger the customer to question the fee, but the customer only has two weeks to dispute the fee. I believe this bank never sent a letter to begin with, the post office would stamp the letter saying return to sender with a date back to the bank and they would have proof it was sent. XXXX then refused to reopen the account and put the money back into the account. XXXX then offered me to reopen the account after I came in to sign a new contract for the account. I then understood what they were doing. This bank merged with another company and my original contact was with the former bank which had no monthly fees to service business accounts. XXXX XXXX not only fraudulently took money from my account for returned mail fees they never sent but also purposely closed the account so I would be forced to sign a new contract which included monthly fees to service business accounts. I also requested the explanation in writing from XXXX  XXXX and all parties refused. I have contacted an attorney.
On XX/XX/2018 I requested a paper check be issued for {$200.00} to my father XXXX XXXX XXXX from my prepaid American Express Serve card. The company issued a check for said amount and indicatedd my father would receive the check within 3 days. XX/XX/2018. The check never arrived and has never been cashed. I filed a request for a stop payment on the check but, yesterday I received an automated letter that they can not issue a stop payment on an ach transfer. The transfer was not ACH since I never provided an account number or routing number for my father, it was supposed to be a paper check which is clearly indicated when you log on to their website. I called today and they say that they need further investigation and will not have any information until XX/XX/2018. I have made several attempts calling the company but they are unwilling or unable to credit the missing {$200.00} back to my Serve Card.  I was told yesterday that the stop payment would be issued and today XX/XX/2018 the {$200.00} would be available for use. Today I call and they again mis inform me that I must wait until XX/XX/2018 for them to complete an investigation into their own deceptive practices and I fear that I will once again simply receive a form letter refusing to stop payment and keep my money. Please help.