WillisBack/dataset-financial-user-claim huggingface dataset:
After renting from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ky. XXXX for 2.5 years never being late for rent, never being wrote up I received a 30 notice to vacate by the XX/XX/XXXX, no reasons, because when I started living there I was a truck driver and three months after being there I had to stop because of health problems, which made it hard to get a apartment cause I had started getting XXXX XX/XX/XXXX my income had changed, so it took me to the end of the month before I found one, but I did not come back to the premises after XX/XX/XXXX, I went to a XXXX XXXX and stayed a little over a week, put my furniture in storage. I got in the new apartment the XXXX or XX/XX/XXXX did not look back or go back to the other apartment cause of being furious about what they had did. Left the deposit. About XX/XX/XXXX I went online and saw that XXXX XXXX said I had some activity and found a bill from a credit collection agency for XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Ky. XXXX for XXXX one of the bills was for rent of XXXX for XX/XX/XXXX and I had vacated and the other was for late fees of XXXX a constable fee, a clean up fee, etc. I see it as gouging me and extortion for a outrageous amount as you will see on the last rent payment is XXXX which there was a XXXX lockout fee which I thought was overly priced for a key and XXXX or XXXX fee over XXXX utility cap, they were also known to charge XXXX a day late fees for rent, etc. I did not find out about these outrageous fees until after I moved in. My point being is that I never knew about this XXXX charge until I checked XXXX XXXX, I had no chance to dispute before it went to my credit report, I am walking with a cane it wasn't like I was running around in the apartment tearing up stuff deliberately.
Equifax had my credit scores up to XXXX and above as of XX/XX/XXXX and that score was consistent with my scores at XXXX. XX/XX/XXXX, my score went down by almost 200 with Equifax while my scores with XXXX still at XXXX. My credit profile if nothing else improved in XX/XX/XXXX and nothing derogatory happened. All this while Equifax continue to publish wrong opening dates of accounts in my profile.
I have disputed this account several times with Capital One. I have informed them that this account was a result of identity theft. I sent Capital One a Fraud Affidavit and they still have not remove this account from my credit file. They are in violation of the FCRA by not removing this account from my credit file.
Gap store ( Synchrony Bank ) closed my account because I was making payments with automatic payment since XXXX never missed a payment, I stopped the automatic payment in XX/XX/XXXX and made manual payments for XX/XX/XXXX and XX/XX/XXXX, they said I never stopped the automatic payments so you can't have two stop payments in a 12 month period even though I made the payments manually, they still closed my account without notifying me telling me that there was a problem with the automatic payment, I didn't know what was going on, I had talked to four representatives they had me thinking I missed two payments when I didn't, they said they can not reopen my account because I should've removed the automatic payment. Now it's gon na be on my credit report as a closed account, when I never missed a payment.
XXXXXXXX XXXX XXXX  continues to verify false information on my credit profile. They continue to dispute the accuracy of their own reporting. I have only ever had ( 2 ) HSBC credit cards ever. Both were charged off in XXXX and XXXX. XXXX continues to report that the first date of delinquency was XX/XX/XXXX on one account and XX/XX/XXXX on another account. Although XXXX XXXX services admits that I only have ( 1 ) collection account, they continue to verify with XXXX  ( 2 ) collection accounts. I am asking XXXX to stop reporting the account # XXXX   They are knowingly reporting ( 2 ) accounts falsely. I have continued to dispute XXXX XXXX XXXX on both accounts as being false as I have proof from the original creditor that these accounts were charged off in XXXX and XXXX. I am including HSBC into this complaint. Because XXXX continues to say these are different accounts. The account numbers do not match up because XXXX and HSBC use different account numbers from each other. In order to link these accounts, I need more proof that these accounts have been re-aged. 
I need from HSBC : All accounts associated with my name. I need to verify that I have only owned ( 2 ) accounts EVER. I need exact dates of 1st delinquency, charge off date, dates opened and amounts if you have them. I NEED THIS FOR ALL ACCOUNTS ASSOCIATED WITH MY NAME. Again, I need ALL accounts that I have ever owned with HSBC, the original creditor. I NEED HSBC IN WRITING TO STATE THAT THEY HAVE VERIFIED AND HAVE STATED ALL ACCOUNTS ASSOCIATED WITH MY NAME AND THAT THERE ARE NO OTHER ACCOUNTS OTHER THAN WHAT IS LISTED. 
Thank you for your cooperation.
EXPERIAN fails to remove the XXXX XXXX XXXX account. EXPERIAN reports incorrectly that this account has a credit limit of {$64000.00}. EXPERIAN reports incorrectly that this account is revolving. EXPERIAN reports incorrectly that this account has a past due amount of {$60000.00}. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
I have mailed all three credit bureaus about this account reporting incomplete and inaccurate information on my credit report. Dates ( XXXX-18, and XXXX-18 ) and its still getting verified without any legitimate proof of verification. I would like this account removed it is hurting my credit, Im not sure how this account remains and it is not mines, I have provided my driver license and mail stating my address and name. Account number XXXX, also I have received repsonses saying verified or updated, meaning this account was being reported inaccurate.
Around XX/XX/XXXX XXXX changed its credit cards from American Express to Citi cards. I had automatic payments set up for American Express. I told XXXX representatives that I did not want to open up a new citi card and agreed to closing my American Express card. Since I had automatic payments set up for my American Express, all fees should have been paid for, but Citi opened up this credit card under my name without my consent. Never did I call to activate this card nor did I sign to open this card. Instead my membership fees for XXXX was transfered over to this new Citi card without my knowledge. Around XX/XX/XXXX, I was in the process of selling/buying a home when my credit report was pulled out. This is when I first realized that I had fees and an activated card without my consent. I immediately called Citi credit cards and paid the remaining balance. I explained my situation and the representative apologized and said that this was a common complaint. She then refunded me the late fees that I was being charged. She then said that she was going to remove the lates and that she would close the account. Come to find out in XX/XX/XXXX Citi never made the changes but account was closed and paid in full. Now after numerous attempts with Citi, the continue to disagree and will not take off the incorrect late reportings for XXXX, XXXX and XX/XX/XXXX. It is inaccurate reporting and unfair for me especially since I am trying to buy a home. This is affecting my once pristine credit score. Please have Citi remove these lates from my credit report as they have refunded me the late fees.
My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013. The balance showing owed/charged off is {$2700.00}. I have no knowledge or ownership of a credit card account from XXXX XXXX XXXX.
XX/XX/XXXX XX/XX/XXXX XXXX, Equifax and XXXX have items on my report that are deemed unfair which also limit me from improving my credit. I tried to get in contact via phone with those credit bureaus with no response. I would like to dispute those reports to help improve my credit in order to move forward with potential future finances. Thank you for help!
I received a 2 % percent raise at my job and my husband 's received an annual raise as well. Because of the increase in our income, we were denied a payment plan through Navient because we have disposable income ( {$300.00} a month ). We recently purchased a house so that we could invest in our future and move out of an apartment and were told that, regardless of our monthly rent payment becoming almost doubling for our mortgage, I was still told that they could n't help me lower my payment ( which equates to half of our mortgage ). The suggested that I have a bank buy out my loans and renegotiate my terms with them, which I have looked into. Most banks that I looked at had higher interest rates than my already high ones through Navient which seemed like a dead end to me. I was not asking for loan forgiveness, but simply to lower my payment so that we could have money each month both to save and to use for unexpected expenses.
In XXXX of XXXX, I applied and was approved for an installment loan in the amount of {$400.00} from XXXX ( formerly CastlePayday.com ). 
On the website, the loan was to have a 784.73 % APR. The website also stated that the total to prepay the loan in full on or before the 1st due date was {$540.00}. Having experience with payday and installment loans, I did not pay attention to the math at the time I agreed to the loan. From speaking to the customer service representative, I was under the impression that I would make three payments of {$200.00} for three months to pay off the loan. After making two payments of {$200.00} ( XXXX late payment fees ), I was informed of the payment plan that the company set up for me in which I would be making monthly payments in various amounts until XXXX of XXXX totaling in upwards of {$2000.00}. At no point in the application process did I agree to this payment plan. In XXXX of XXXX, I asked the company how much it would cost to pay off my loan in full. They replied that I needed to pay {$820.00} ( not including the two payments of {$200.00} that I had already paid ). If my math is correct, that is more than the APR that I did not know I was agreeing to in the first place. And, I do not know if that payoff amount will change depending on the time I am able to make the payoff amount.
I purchased my   XXXX   XXXX   XXXX   in    XX/XX/XXXX  with a 66 month auto loan from   XXXX   XXXX   XXXX  . The percentage was 22 % interest. The loan amount was for {$15000.00}. It has been 73 months and I have paid them {$21000.00} so far for this car. They tell me I have a balance of {$14000.00} that they say I still owe them. As a result, when I am done paying for this car I will have paid them more than {$36000.00}. According to the contract, the total number of payments they were to receive after the 66 month term is {$27000.00}. The extra amount they are telling me is due to interest which is charged at $  XXXX /day plus a monthly late fee of {$20.00}. During this loan, I was out of work once for recovery from   XXXX   and again for loss of job. Therefore, I have had to have extensions on my loan. I have been struggling to pay this down at a $  XXXX /month payment fee. I can not get ahead because they are always putting extra fees on my payments and then they call me and harass daily and threaten to repossess my car. I have paid this loan for 73 months now and they are telling me that as of XX/XX/XXXX , my contractual loan with them will be done and they will charge me a balloon payment of over $ 10K! I have offered to settle this debt for a lump sum of {$5000.00} and was told that they would not consider less than $ 11K! This is an impossible debt and it is a predatory lending at its worse!
I recently received a letter dated XXXX XXXX 2017 from Capital One stating it is holding me responsible for the accounts that were opened up as a result of identity theft under my name and social security number. <P/>The reason for they are holding me responsible are as follows : statements were not mailed back, a phone number that does n't belong to me is mine they are claiming and my license number was used on a XXXX and XXXX contract. <P/>I have done my own research for the last six months and my findings are quite different. I called XXXX XXXX to see who the XXXX number belongs to and they said it did n't belong to XXXX XXXX XXXX and there is nothing linking me to that number despite Capital One 's claim that it is in fact my number when it is n't. <P/>Secondly, they said there is a XXXX rental that used my license number to rent a car and when I called XXXX at their corporate number and gave them my license number and date of the alleged rental, they state there was no such rental on that specific date using my license number or name despite Capital One 's claim that it was in fact me. <P/>Third, they say statements were not mailed back and I can not control the mail or give a reason why statements were not mailed back. <P/>I called over to the Capital One department that is handling this claim and spoke to XXXX XXXX and her response was basically you 're going to pay this debt regardless if it belongs to you or not. I understand their company has done an internal investigation, but their findings are inaccurate and they are refusing to guide me through this process and removing it off of my credit report. <P/>I never had an account with this company. <P/>Please help
Identity Theft Affidavit Fraud!! APPLIED BANK XXXX .... 
{$980.00} as of XXXX/XXXX/XXXX XXXX Account charged off. {$980.00} written off. {$980.00} past due as of XXXX XXXX. 



XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Business Card Terms NA On record until XXXX XXXX Credit limit or original amount Not reported High balance $ XXXX Monthly payment {$0.00} Recent payment {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX.
In XX/XX/XXXX, we started getting loan with Sallie Mae/XXXX the total amount borrowed is over 90,000, The interest rate is from8 % to 10 percent. I was the co-signer because the Representive said my daughter did not have credit and her income was not enough to get a good interest rate at a low rate and suggested that I co- sign with her on the loan. I did with the intention that the instrest rate be low because of my excellent credit. This was not true. They intern charged the highest rates with my good credit. From XX/XX/XXXX through XX/XX/XXXX they continued to use my good credit and still charge the highest rate. I am formally filing this complaint requesting reimbursement for all the interest and the misleading advertising and not using my good credit as a co-signer. The misleading advertising of interest rate. I only co-cosign to help my daughter get a get rate for her loans. But they yet charged a high rate. They used my information with not results. They mislead me and my daughter and caused pain and suffering because we have to pay back on higher interest than other races. This is unfair, misleading and false advertising. Getting a loan was confusing false advertising and they used marketing, high-pressure sales tactics, financial aid services, to recruite my daughter for a fraudulent loan. A resolution for this matter is to give us back pay with the interest they acted on us. My contact information is XXXX XXXX or XXXX XXXX our phone numbers are XXXX or XXXX.
I am writing to your agency because I am very upset the way my bank handled my dispute, they did n't even consider investigating.  Citi Bank (    XXXX   XXXX   ) told me I had 60 days only and I have been told I can dispute under claims and defenses and I have 538 days. It seems like my bank is taking the merchant 's side and It is not even giving me the chance and did not even consider to open an investigation. The merchant   XXXX   XXXX   XXXX   XXXX  , charged me {$6100.00} on  XX/XX/2015    and they contacted me by phone and told me their services were necessary for my online business make money, they said they got referred from   XXXX   XXXX   another company that I was working with at the time. Also they said they would implement the work that   XXXX   XXXX   was doing for me. I was supposed to get leads and visitors to my website. I never got any results. I am trying to dispute with my bank since I did not get any services rendered and the company ignored my requests of refund.
In XXXX I opened a loan under loan ID : XXXX I made all my payments on time and about a month ago I got a message that I qualified for a new loan. I went online to apply and I was declined, then I received a letter stating I was declined because I had a current loan. 
If this is the case, I should not have been told I qualified yet to re-apply. On XXXX the XX/XX/XXXX I called to pay of my current loan early, at that time I was told if I pay it off over the phone and want a new loan, I will have to wait 7 days. I was okay with that.
However, now I am being told I have to wait 90 days because I applied and declined, but that was because I was told I qualified right then. If I had known, I had to wait 90 days I would have just let the payments continue instead of paying it off early.
I feel this is mis-information that now cost me a chance to get a new loan. I like the rates and company so I really wanted to get and can use another loan to help with bills. I just do n't understand why they told me I qualified when I did not and now because of that,
I am being told to wait 90 days after I was told 7 on the phone
This debt was originally from XXXX XXXX credit card. I disputed charges with them on multiple occasions and my issues went unresolved. The debt was disputed with the credit bureaus. Removed and then on XXXX/XXXX/16 the debt was added back to my credit report but through Portfolio Recovery. Portfolio recovery has now illegally re-aged the debt to appear current even though the debt is old and from XXXX XXXX charges, that they still have yet to resolve. In addition, XXXX XXXX did not provide any information that the debt was being sold and/ or any update to the investigation regarding charges before putting on my account.
Again BSI failed to respond accurately to my complaint. In the XXXX attached. I specificly stated how my payment was supposed to be applied and that I was disputing the fees associated with loan and XXXX completely ignores responding to it!!! This is why there are XXXX complaints. XXXX XXXX when answering a complaint you need to address the questions. I am tired of BSI skating over DIRECT QUESTIONS, DIRECT REQUESTS and DIRECT DISPUTES,. Which now is being copied to lawyer for the failure to respond. I did not agree to how how the money XXXX was applied and it was put in writing directly how it was to be applied which was also scanned with last complaint and she decided to ignore. I have excess in my account and should have been applied to XXXX payment AS SPECIFIED!!! BSI has not mailed out monthly statements either. I get my mail and they have sent me XXXX since XXXX. XXXX I paid extra as to not have to deal with BSI for a few months with payment issues and the lack of communication from BSI and run around ANSWERS. DIRECTLY apply the funds as SPECIFIED not how you felt necessary as this is now going to LAWYER for misappropriation of funds.
XXXX Apartment Homes & IQ Data Collection Agency are accused of the following : 1. Reported False Information on Consumers/Credit Reports 2. Repeatedly and continuously call us 3.  Seek unjustified amounts XXXX Apartment Homes ...

1. Misappropriated our rent and XXXX  ( utilities ) payments in XX/XX/2018. 
2. Overcharged us following our move out date of XX/XX/2018. We submitted a 30 Day Notice to Vacate our apartment on XX/XX/2018. Included within the 30 Day Notice we provided our newly purchased home address and a request for the balance of our account due for the apartment home we were renting. 
3. Receipts for cleaning and repairs charged to us by XXXX Apartments following our move out date of XX/XX/2018 were NEVER provided to us. Not within the 21 Days after we vacated the apartment home and NEVER at anytime thereafter. 

The actual amount we owe ( d ), less cleaning and repair fees - since we never received copies of those receipts, is {$3700.00} NOT the {$4600.00} they demanded and not the {$4700.00} the IQ Data Collection Agency is demanding from us. We have documentation of all payments we made, correspondence with the Manager at  XXXX Apartments, including correspondence of us trying to settle this account for the correct amount owed of {$3700.00}. The Manager at XXXX refused to correct his accounting errors and the correct payment owed. XXXX sold the debt to IQ Data Collection. We now have Negative marks with all 3 credit reporting agencies. This  negative mark has resulted in us not qualifying for an auto loan or mortgage refi at lower interest rates.
I use this card to rebuild my credit and I have my payroll and income taxes come to this card. The beginning of XXXX I had fraud on my card I was notify by text and I went online and saw my card was used I immediately contact the company and told them to stop the charges or do not let them go through they told me it was nothing they could do until it post but not to worry on a recorded line I would get my money back I have over 1000s of dollars deposit in this account monthly. I call and email this company everyday because I needed my money. Started XX/XX/XXXX to XX/XX/XXXX for a total of XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX again this company did not investigate at all and declined my claim because I called everyday and filed a XXXX XXXX claim
I applied for a mortgage from Amerisave and ran into a number of problems : ( 1 ) Twice I was asked to sign documents Amerisave representatives had filled out with incorrect information. They were initially dismissive of my objections, until I flat out refused. 
( 2 ) It took 16 days after the appraiser 's visit, and several " nudges '' from me, for them to get the appraisal back from the appraiser they chose. No wonder they closed a week after the 45-day rate lock expired. 
( 3 ) Amerisave promised in an email that if I paid the {$20.00} wire transfer fee the funds would arrive in my account the day the loan was funded ( and I began being charged interest ). I agreed to the wire transfer and was charged the {$20.00}, but the wire transfer was a day late. I requested a refund and an apology. In response, I got a coupon for a discount on another mortgage. I would still like the refund and apology for all the hassles. They chose the title company, so have full responsibility. 

Anyone considering applying for a loan through Amerisave should be forewarned that they are very disorganized. I was bombarded with numerous irrelevant emails and phone calls. I dealt with four different Amerisave employees, who often did n't seem to know what was going on.