WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I filed a complaint against TransUnion & XXXX  for reinserting a 5 year old Bankruptcy ( Case # XXXX ) without notifying me in writing with in the five business days required by FCRA, Part ( A ) ( 5 ) ( B ). The reason the BK had been deleted about 5 years ago was do to the fact there was many inaccuracy reporting on the Bankruptcy. Such as wrong filing date, date the BK was closed the address and name of the correct Bankruptcy court. They even had my address incorrect. After I filed my complaint XXXX  sent me a letter stating that they had removed the Bankruptcy off my credit. I was really relieved considering at the time I was in the middle of closing on some rental property and had to take a big financial lose because of what had just inspired with my credit taking a major hit which caused me a lot of stress and some miner physical pain. So now both XXXX  and XXXX   was showing my credit report correctly and I just knew TransUnion would follow suite , but they did just the opposite. On XX/XX/XXXX I received a letter from Transunion stating that on the date of XX/XX/XXXX and XX/XX/XXXX they had did an investigation into Texas Federal Court XXXX and at that time when they did investigation they had verified the account. So they went on to say that they would reopen the case and do an new investigation into the matter and send me out a letter once its been done with the new results. XX/XX/XXXX is the last I've herd from Transunion. From my understanding they have 30-45 days to do an investigation and send out the results or they must remove the item off the consumer report. I have yet to receive anything but yet they are still reporting this on my credit which is a violation of FCRA. Transunion is also in violation for not sending out a letter with in 5 days of reinserting a deleted item. I don't understand why Transunion claimed they did investigation back in XXXX and XX/XX/XXXX because its irrelevant considering it was deleted anyways back then for the violation that i noted. But from my true understanding section 609 protects me against false reporting and i would like to point out that this exactly what this is. TransUnion is the only bureau reporting this on my credit and have yet to explain why or show any prove. Transunion needs to remove the BK off my credit or my next step will to seek legal actions against them.
Caller ID showed Unknown, I answered the call at XXXX XXXX  on XXXX XXXX, 2018. A woman calling from XXXX XXXX. This is regarding my XXXX XXXX XXXX and I am aware of the delinquency, have made a partial payment. Past due is LESS than 30 days.
XXXX agreed to settle the alleged debt in arbitration two years ago. Now, Stellar has come along and is attempting to collect the debt that was settled with XXXX. 

Stellar is # XXXX for most complaints, and really should be investigated and fined.
My loan is serviced by Nelnet. ( Account # XXXX ). 
For my loan repayment, Nelnet is abusing the ACH transfer by not crediting my loan timely. On an average it takes 4 to 5 days to credit my loan. My funds are debited from my source account the same day when I initiated my ACH transfer. But my loan balance were not reduced till 4 to 5 days. While I was paying interest for the loan balance, Nelnet was enjoying the float fund for 4 to 5 days. This is not fair practice to the consumer. 

Also the interest rate on the loan is 5.96 %. I am using my HELOC loan to pay off Nelnet Student loan because the HELOC interest rate is 3.25 % which is less than Nelnet Student Loan. This delay tactics by Nelnet makes me to pay double interest for 4 to 5 days. 

I would appreciate your help to intervene in this matter. 
Thanks XXXX
XXXX XXXX has submitted to the collection company Hunter Warfield unauthorized charges for cleaning fees from apartment I lived in for 1-year until XX/XX/XXXX California Civil Code Section 1950.5 States : " The tenant is not responsible for damages resulting from normal wear and tear You can not charge cleaning fees for conditions caused by normal wear and tear during the tenancy or previous tenancies, or for cleaning a rental unit that is as clean as it was when you moved in. '' Civil Code Section 1950.5 ( b ), ( e ). The lease agreement states : That I agree to leave the premises clean and in the same  condition received, except for ordinary wear and tear. I left the premises in better condition then I received ( included are photos of the dirty apartment when I moved in ). According to the lease, California Civil Code and California Tenant Rights : when I provided my 30-day notice I 'm entitled to an " initial inspection '' that requires a list of proposed deductions beyond normal wear and tear. This inspection was scheduled on XX/XX/XXXX to be held on XX/XX/XXXX from XXXX and no one showed up. I have phone records showing I called and talk to manager XXXX XXXX and she never got back to me, and no one showed up for my scheduled initial inspection. Under California Tenants ' Rights, the initial inspection shall provide itemized statement of intended deductions beyond normal wear and tear. The cleaning fees that XXXX XXXX is charging are from normal wear and tear, which under California Civil Code Section 1950.5 I 'm not responsible for because I left the apartment in better condition and received my full  deposit back. They have no documentation, stating that the cleaning fees are from beyond normal wear and tear because they never showed up to the agreed initial inspection providing me with the proposed deductions and the opportunity to fix any identified deficiencies beyond normal wear and tear. The only documentation is the " Move-In Checklist ''. This Move-In Checklist states the Move-In Condition of the apartment with marks/notes which I signedXX/XX/XXXX. This checklist does not have any marks/notes comments, estimated move-out changers under the Move-Out Condition section because nobody did the inspection. OnXX/XX/XXXX I sent a letter to Hunter Warfield disputing these claims by providing evidence and  asking them to validate the debt within the required 30-day period. Under the Fair Credit Reporting Act they are in violation by reporting these claims to the bureaus some 4-months later with no accurate validation required. After not receiving the validation. I contacted XXXX XXXX on XX/XX/XXXXno response so I called Hunter Warfield again on XXXX/XXXX/XXXX at XXXX pacific and talked to XXXX asking again for Validation they said " NO '' then a manager got on the phone and I asked him the same thing he said " NO '' then hung-up the phone. After failing to provide the Move-out Condition Checklist with estimated charges Hunter Warfield removed the collections account from XXXX  and XXXX but not XXXX.
Citibank is not honoring a card that I have a credit balance on and have attempted to do phishing when I call them. 

Before XXXX I paid into a credit balance on my card because of the trouble of them honoring it when I try to use it at XXXX. As always, they still stopped honoring the card. Usually when I get home it works again. I have a monthly autopay that they honored once after not honoring the card in the store and they then stopped paying on that, also. 

When I called, they failed to tell me why they stopped honoring the card. The operator inferred accusations against me without actually speaking them. The operator also demanded to do phishing for information on both Citibank and nonCitibank accounts. The operator let her irritation show at her inability to extort phishing information from me. The operator also refused to fix the problem with the card. 

I still have a credit balance of {$460.00} on the card that they owe me and have not refunded. They refuse to either reactivate or to cancel the card, claiming that it is still good. I have gone to the local Citibank branch to get a Citibank employee to get to the bottom of this but they were uncooperative with him too. 

My suspicion is that from the very start this was a phishing effort. They stopped honoring the card for the sole purpose of getting me to call so they could do phishing. The card wasn't just paid up, there was a credit, there was no reason they would stop honoring the card.
I decided to not receive overdraft protection and still incurred an overdraft fee of {$36.00}, which is a violation of regulation E
In a recent credit report from Experian, they continue to show a tradeline that has been paid off and closed for over 4 years. The tradeline in question is XXXX XXXX XXXX,   XXXX,, opened XX/XX/XXXX, closed, XX/XX/XXXX, hi credit was {$12000.00}, it shows on report, past due, XXXX, account closed at customers request as agreed. XXXX   XXXX XXXX ASSURES me they have reported to all 3 bureaus that this account has been paid in full and the account was closed at customers request. I would like this item removed permanently from my credit report because as it is shown, it affects my debt to income ratio. Thank you for your help ....
Attempted today, XX/XX/XXXX, to get my mortgage servicer, XXXX XXXX XXXX d/b/a " Mr. Cooper '' to postpone the scheduled foreclosure sale of my home ( XX/XX/XXXX ) in order to begin a loan modification. I was unable to afford any modification prior to today. 

A modification, according to them, must be requested 37 days before the scheduled sale date of the home. 

While the servicer is willing to engage in a modification, they are so far refusing to postpone the sale, which is scheduled for Monday, XX/XX/XXXX. I know that, if they postpone the sale for 45 days, that would be enough time to have begun the modification process and make the first trial payment.
I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to XXXX XXXX XXXX and requested they only contact me by mail. 
The only response provided from the debt buyer were invoices and threats to litigate sent on XX/XX/XXXX and XX/XX/XXXX, they have been unable to provide me with the original contract, account history and other documents requested. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by XXXX XXXX XXXX regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated.
I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax & XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax & XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine. In addition to child support they are also reporting XXXX XXXX/XXXX  XXXX XXXX and XXXX XXXX & XXXX invalidly I have no contract with these creditors, these accounts are unverified and not mine so are reporting invaliding as well.
Date of the transaction : X/XX/2017 Amount : {$1800.00} Apparently I was charged for merchandise that were sent to a different residential address. I have spoken to the merchant and was told they made a mistake and advised me to dispute the charge with the bank due to them having trouble with some error. I gave many documents to support what happened as well as where the merchandise went to. I gave everything that the Chase Claim department would need to approve the claim. A month or two later they noticed me that the merchant gave valid information to state that the charge was correct. Then, I appealed the case stating that 's not possible, as well as giving more documents to support the fraudulent charge. However, the bank denied the appeal a week later and I 'm out {$1800.00} now ...
I closed my home equity line a month ago. I went to the local branch in XXXX XXXX Florida and signed all the papers to close the loan and paid it off at that time. There was certainly no issue to cash my check. Bank of America is now send letters to me and threatening to charge me {$1000.00} for flood insurance on a loan I no longer have.
I paid my loan in full on XXXX XXXX, 2015 and never received a lien release letter nor did the State of New York Motor Vehicle Departmen receive this informationt. I have requested a lien release letter and my title from Chase Bank numerous times both which the representatives and senior representatives have not been able to provide. I have been told that they have mailed a letter and yet to date I have no such letter. I contacted NY DMV and they informed me that they do not have my title and that the bank has this information and should have provided it to me when the vehicle was first bought. I will have to pay again for a duplicate title once the a lien release letter can be provided by Chase Bank. I have a copy of my cancelled check and loan statement identifying that the loan has been satisfied.
My loans through XXXX XXXX were transferred to Navient. I wish to ended the length of the loan the help lower the cost of monthly payments ( which in turn actually makes them more money ) but they refuse to budge on making my payments actually affordable.
Sometime in XXXX I applied for a Barclay XXXX XXXX card. For some reason I was initially declined, which was very confusing to me because I had never been denied credit so I called them. They explained that for some reason a credit check was never made and the CSR pulled my credit ( after asking my permission ) and approved me for the credit card. This was around XXXX XXXX. I received my card and put some expenses on it. This card had a signup bonus and I nearly reached the spending threshold with this first bill. Then, for a reason that BARCLAY REFUSES TO EXPLAIN, they cancelled my card. Noone will explain why my card was shut down but I believe this was because it was an easy way to save them the {$440.00} signup bonus ( which they claim I 've forfeited because they 've shut me down. ) This is total XXXX. While I understand that they have the right to choose who they allow to have their card, they have no right to bait me to sign up for credit ( causing an inquiry on my credit report ) only to immediately shut me down without explanation and to seize my points. These points are as good as cash so I view this as they stole from me!
XX/XX/2015 I received a notice from ERC collections that I owed {$170.00} to XXXX XXXX XXXX. It stated that if I paid {$99.00} it would settle the debt. I immediately went and got a money order and sent it to them. XX/XX/XXXX I was notified by my credit monitoring company I had a negative collection reported. I found that it was a totally different company saying I owe the {$72.00} balance, XXXX XXXX. I called ERC and got proof that I paid the settlement amount and it is a paid account. I submitted XXXX disputes to every credit bureau. XXXX and XXXX deleted it within days. XXXX on the other hand, I have filed XXXX disputes and they will not recognize that it is a duplicate that was incorrectly sold to another collection agency. I do n't understand how company 's can just say a person owes something when they have proof they paid it. This is unfair to all the people that pay their bills. Sadly, I still do n't even know where the bill came from! I just paid it because I wanted it to go away but I refuse to pay the balance after I paid the {$99.00} like I was told to do. XXXX is terrible and our government should not let these companies have as much leeway as they do. Collection agencies should have more restrictions on them. Being able to just charge someone for something because they want to is not fair credit reporting!
I took a cash advance on my credit card on XXXX/XXXX/16. I made a payment on XXXX/XXXX/16 to cover the minimum payment plus the cash advance amount and a little extra to cover the interest. My credit card company applied the full payment to the purchases balance at the lower interest rate. I called them on XXXX/XXXX/16 and the person said that since the cash advance was n't " billed '' yet on a statement, that they did not have to apply the payment to the higher interest rate. My " cut off '' date is around the XXXX of the month. I asked what I needed to do to get that fixed and I was told he could n't do anything for me.
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I contacted XXXX XXXX XXXX through their website about negotiating a settlement of an old debt that Midland sued me for ( the case was dismissed in circuit court ). 
I have not received a response from this company ( Only a response to the e-mail being received ). I requested in my e-mails that the company contact me by e-mail, and provided my current e-mail address to them.
in XXXX in collaboration with the Social Security Administration and XXXX XXXX, SSA issued me a new social security number based on very bad case of identity theft. the SSA requested a lot of documents to proof the ID theft, XXXX XXXX worked together with me to ensure all information was accurate and to the point. In XX/XX/XXXX, I was issued a new social security number, I was advice to stop using the old number ending in XXXX and to start using my new number ending in XXXX. In XXXX or XXXX without any reason and any contact with me, Transunion locked my report, where no one can access my report, indulging me. After realizing my Transunion Report was not showing, I called transunion and I was transferred to the Fraud Special Handling Department, that department has been nothing but horrible, nasty and XXXX. They have asked me literally for every single document that makes me a person. I send them a copy of my WA State ID, my SS Card, my passport, They requested different forms from SSA and I had to go to SSA Office many times to get documents. Transunion have received all this documents and they don't communicate with me, I have to be the one calling just to find out they denied my request to release my report. Transunion has continue to keep my information locked up. Recently I moved to a different apartment and because of this issue I had to pay over {$5000.00} of moving cost because my transunion report was not showing and I'm being seen as liability by creditors. Yesterday XX/XX/XXXX I spoke with Fraud Special Handling department manager XXXX XXXX, in the moment I told her that I was immigrant as I was explaining to her why I was issue a new social security number. XXXX XXXX started to be XXXX and started to speak over me with out giving me the opportunity to finish explaining to her. XXXX XXXX as a manager she has discriminated against me and is literally holding my information hostage, to the point that I'm in financial hardship because I'm not able to get the credit I deserve. I NEED MY REPORT TO BE RELEASE IMMEDIATELY
I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA
I was trying to sell an antique set of china. I got a buyer who sent me a certified check. Before I continued or did anything with the buyer I went to Chase bank to make sure that the deposited check cleared and there was no way that the check could be reversed. I was assured while I was at the bank that the check cleared and everything was good with the transaction. So I moved forward with the buyer who then decided he did n't want the china. I had a XXXX created and gave him his money back. The very next day Chase informed me that my account was overdrawn ( never happened to me before ) and that the check was fraudulent. 

I then immediately called the bank to see what was going on and to figure out what to do. They explained to me that there was nothing that could be done and it was fraud. I asked them to explain to me the reason they could n't help me especially since there was a bank error involved in the transaction. They said there was simply nothing they could do for a good customer. If there really is nothing they can do then I will move all of my accounts to a different bank who values their customer as well as, and more importantly, tells their customers correct information. I am very disappointed in Chase Bank. Do not bank at Chase they do not value you or your business.
I contacted Navient in the hopes of lowering my monthly payments from {$260.00} to {$130.00}. I made sure I contacted them before the loan was even due to ensure proper time was given to handle the issue. I was placed on a payment plan and my first payment was drafted from my checking account on XXXX/XXXX/2017. It was agreed that subsequent payments would be automatically deducted each month on the XXXX. I checked my Navient account a few days later and was told my account is past due and I will incur late fees. When I called back to inquire about this I was told the following : 1 ) I did n't pay the full amount despite them seeing the payment plan ; 2 ) the person who placed me on the payment plan was unauthorized to do so ; 3 ) they admitted that the program was n't explained well to me and that I would have to wait for upper management to approve my payment plan which could take three months ; 4 ) even though I would incur late fees, they would not be reimbursement even after my good faith effort of paying every month ; 5 ) I would have to make three successful and consecutive payments before the plan is approved, which was not explained at the time of setting up the payment plan ; and 6 ) my account may go into default despite paying every month BUT I should n't worry for now because I am only a few days past due. I was stunned by the miscommunication, lack of professionalism and sheer incompetence of their customer service representatives. I 'm not trying to avoid paying my loans, I simply want an option that 's more affordable. Considering that, I feel that there should be better information available customers and better care on behalf of the reps when dealing with these types of circumstances.