WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX I signed a lease agreement with XXXX in XXXX GA. My lease agreement contract XXXX was set to expire XXXX XXXX, XXXX. In XXXX of XXXX I informed XXXX that I would not be renewing my lease. I found a new apartment community, The XXXX XXXX XXXX XXXX XXXX in XXXX XXXX GA and began the application process. XXXX aspect of the application approval process involves verifying current and past landlords. XXXX faxed a landlord verification request form to XXXX. XXXX completed the form, noting that I was a " Great Resident! '' and faxed it back to XXXX. Upon receipt of the form from XXXX by XXXX, I was approved for the new apartment. I signed a new lease contract for XXXX XXXX on XXXX XXXX, XXXX. The second week of XXXX XXXX I went to the leasing office at The Domain to schedule an appointment date for an agent to do a walk though of my unit as the end of my lease XXXX XXXX XXXX, XXXX ) was approaching. It was THEN that I was informed that my lease did not expire until XXXX XXXX, XXXX and that the lease that I had signed actually had the wrong date. I told The Domain that I had already signed a new lease agreement with The XXXX and could not rescind it. A leasing agent presented me with the lease that I had previously signed with the XXXX XXXX, XXXX end date and also a new lease with the " corrected '' XXXX XXXX, XXXX date. The leasing agent for the XXXX then TOLD ME that she needed me to sign the new agreement with the " correct '' dates. I refused as I had already signed a new lease agreement with a new apartment community XXXX XXXX XXXX XXXX, collected the keys, paid a deposit and prorated rent. Two years later there is a debt on my credit report I am assuming for the additional two months that was on the other lease agreement that I did not sign. The collection agency for XXXX at XXXX XXXX is IQ Data International. I have disputed this with IQ Data. I have disputed with the credit bureaus as well- XXXX to no avail. 

Had XXXX informed me of THEIR ERROR prior to me signing a new lease agreement with XXXX I would have gladly waited the additional two months and signed the lease with the " correct dates '' with no problem. But such was not the case. I did everything that I was contractually obligated to do under my lease agreement with XXXX. I even stayed until the end of my lease agreement- the agreement that I had signed. 

I simply want the false debt for XXXX at XXXX and IQ Data International permanently REMOVED from all of my credit reports. This error is bound to hinder me with leasing in the future. This is grossly erroneous and unfair. 

I have a copy of my signed lease and I also have copies of the landlord verification request form that was completed by The Domain. I have called The Domain and they do not even have a record of me in their system let alone the documents to prove or justify this false debt. I called IQ Data International and they too have no verifiable information concerning this alleged debt. They are simply demanding that I pay or set up a payment arrangement with my checking account.
XXXX XXXX the original service provider removed once i advised that this amount was not owed and i was charged for equipment that was not contractual and XXXX  acted in bad faith and did not provide the services that they alleged to be the provider of. They had removed the negative information and sold the account to a different debt collector that later transferred it to diversified.
On XXXX XXXX, 2016, I submitted a complaint # XXXX to the CFPB regarding excessive charges by Citibank. Subsequent to my complaint, Citibank has retaliated by cutting off access to my checking account. When I log in online I ca n't see any details of my account. I ca n't access my balance, transfer funds, or even see which bills I have or have not paid. I need full, unrestricted access to my checking account, and Citibank needs to refund any fees that may result from restricting my access to my money.
For the past several months, I have been disputing several inaccuracies that are Hsted in my credit report I have written three letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX
Progressive Management Systems continue to call on a debt that I never occurred in 2010. They say they are the holder for a debt for a payday loan that occurred in that year. I have mentioned that I did not obtain a payday loan during the time they specified. 

I have also told them three times now that I have had all past debts discharged in Federal Bankruptcy Court out of XXXX XXXX in 2010. They continue to harass me by calling my mobile phone multiple times. 

My bankruptcy lawyer was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PHONE : XXXX FAX : XXXX
On my credit reports ( XXXX and Transunion ) it is saying my XXXX XXXX loan is delinquent and has n't been paid in 120 days. I was late with payment back in 2011 but the loan is all paid off and has been for years.
The company claimed they corrected the problem and as of XX/XX/2017 the company updated the information to {$13000.00} plus dollars which previously the company responded was incorrect. This is continuing to make my credit unstable and I am considering retaining counsel if this continues this has been going for at least a year.
XX/XX/2018 I Called Lending Club and Paid Complete Balance XXXX ( approx ) In Full Via Phone. 
BEFORE I MADE THE PAYMENT, I ASKED IF THE DEFAMATORY REMARKS AND THE INCORRECT STATUS ON MY CREDIT REPORT WILL BE REMOVED. I SPOKE TO TWO PEOPLE WHO CLEARLY STATED ALL REMARKS EXCEPT 30 60 DAYS LATE ON ANY PAYMENTS WILL BE REMOVED " CHARGED OFF XX/XX/18 '' AND BALANCE OWING XXXX WILL BE REMOVED. 
LENDING CLUB HAS A RECORDING OF THIS CONVERSATION WITH BOTH EMPLOYEES. 
3RD WEEK OF XXXX I CALLED LENDING CLUB EXPLAINING DEFAMATORY REMARKS AND INCORRECT STATUS NOT UPDATED. I WAS TOLD BY A LENDING CLUB EMPLOYEE THAT THE 2 STAFF MEMBERS I SPOKE TO WERE WRONG, REGARDLESS IF THERE'S A RECORDING, THEY WILL NOT CORRECT THE ERRORS ON MY REPORT. THIS IS FALSE REPORTING. 
PLEASE LOOK INTO THIS AGAIN. THANK YOU
There are several inquiries on my credit report that I did not authorize. These are ALL A RESULT OF COMPAINES FRUDENTLY OBTAING MY CREDIT REPORT INFORMAITON AND EQUIFAX GIVING THEM MY INFORMAITON. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Equifax. Equifax has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Equifax to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Equifax have failed to provide me proof that I authorized these inquires. Equifax has also failed to remove these inquiries from my report as they were not authorized by and are now FRAUD inquires. Equifax has also failed to investigate these fraud inquires on my credit report and has kept sending me their standard generic letter about inquires. How about they actually read and do something other than spitting out there generic letters. This is a violation of my FCRA rights and is hurting me financially now. 
1. XXXX XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX Bank - Date of inquiry XXXX/XXXX/XXXX. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX. XXXX XXXX Bank - Date of inquiry XX/XX/XXXX. XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX GA - Date of inquiry XX/XX/XXXX. XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX Date of inquiry - XX/XX/XXXX XXXX date of inquiry - XX/XX/XXXX. XXXX XXXX date of inquiry - XX/XX/XXXX. XXXX XXXX date of inquiry XX/XX/XXXX. XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX
I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " ALLY FINANCIAL '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
I have 2 secured credit cards from Capital One in which one has been opened since XX/XX/XXXX and the other since XX/XX/XXXX. However upon reading the terms of the card, capital one offers the cards to be upgraded to a non secured card and your security deposit returned back to you ( please see attached ). I have had the one account longer than 10 months. I pay on-time, never had missed a payment, and always pay the balance in full monthly. I contacted customer care onXX/XX/XXXXand was advised my accounts are not eligible to unsecured. The rep said capital one does not offer any type of secured card to graduate. Every interaction i have with customer service is always misleading, or misinformation given. I dont think the reps are properly trained to be made aware of products and services capital one offers. For having 2 accounts and being a customer almost 2 years with excellent pay history, i am actually appalled by their disposition in the manner of the service that i receive. In the attachment, I have highlighted the key factor of my complaint in yellow.
I have contributed over {$670.00} to my MoneyLion Investment account, not including the profit from investing or the extra {$1.00} per day login credit. On XX/XX/2018 I initiated my first ever transaction on this account by transferring {$200.00} and depositing it into my MoneyLion Checking account. After the transfer, my balance dropped to around {$490.00} which seemed accurate. A few days after my withdrawal of the {$200.00} I wanted to withdraw {$400.00} from my account but received an error. I tried over a span of a week and still was unable to transfer the funds even for lesser amounts like {$100.00}. I attempted to contact Moneylion over 3 times through chat and over the phone and still did not get an answer as to why I was getting an error. Recently my Investment account dropped from over {$490.00} to {$250.00}. I tried calling, emailing, reaching them through the chat via the app and through facebook messenger for two weeks and they have not given me any information regarding this issue. I really liked this company because it helped me finally build savings, but all the money that I contributed is gone.
Received a letter from a law firm attempting to collect a debt that was never incurred by me, nor was it ever applied for by me. I contacted them and they stated it was for XXXX XXXX, a XXXX XXXX, and the amount that was owed, they did not have any verification of the debt. So I am disputing the debt, knowing that I did not create this debt.
I have sent Experian two letters. 30 days back to back and never got a response to either letter.Under FCRA section 604 ( a ) ( 3 ) ( A ), permissible purpose has to be proven for the review or collection of a consumers account. There has been no communication back from Experian. 
or prove I authorized any of the hard inquiries on my credit history kept under my SSN number. If they ca n't provide me proof with my signature authorizing permissible purpose for each hard inquiry, these hard inquiries must be deleted for no permissible purpose or authorization. I have attached a copy of the letter sent by certified mail two times to Experian.
I am writing this complaint against Wells Fargo because I feel Wells Fargo has not done enough to track down the borrower. I am an easy target for them because I have answered phone calls on numerous occasions. I cosigned 8 loans for a former dear friend. I currently have not had any contact with her as she has cut herself off from friends and family. She is currently only paying on one of the 8 loans because her brother also cosigned. The other 7 have not been receiving repayments since she has finished her schooling at the University XXXX XXXX. She has not responded to any of Wells Fargo phone calls or emails. So Wells has constantly stressed me for payment. I feel that they have not done enough to locate her either through a Wells lawyer or private investigator. Why isnt Wells Fargo garnishing her wages? Wells Fargo is not being diligent locating her, or researching her employment for repayment. She is the borrower the on that went to college. Instead I have become their means of communication. I have my own student loans as well as car, motorcycle, mortgage monthly payments and can not afford to make her payments. I am my XXXX year old mothers caregiver who suffers from XXXX and XXXX. I am under XXXX daily from caring for her and the harassment from Wells Fargo adds to it. I am asking to have Wells Fargo remove me from the loans and seek retribution from the borrower. I have uploaded the most recent letters from Wells Fargo. 
The amounts for each loan is as follows : Loan 1 : XXXX Loan 2 : XXXX Loan 3 : XXXX Loan 4 : XXXX Loan 5 : XXXX Loan 6 : XXXX
I was behind XX/XX/XXXX payment as i was told by a representative to miss a payment in order to apply for mortgage assistance. I then mailed a payment in of {$1000.00} in XX/XX/XXXX which was confirmed and received. I then mailed a payment of {$700.00} in on XX/XX/XXXX which was confirmed and received. I was advised that the payment sent in XX/XX/XXXX was credited to my XX/XX/XXXX payment. I received a trial modification on XX/XX/XXXX I made all payments and in XX/XX/XXXX i was advised that the final modification was mailed out to me in which i never received the documents. I continued to make payments on the mortgage and never received word that the lender removed me from modification review for not signing the modification documents. I was not made aware of lender not receiving documents as lender did not correspond anything with me until XX/XX/XXXX when i received documents stating NOTICE OF DEFAULT. I began to worry. I have placed several calls to lender to advise that i never received any documents. Lender advised me that they sent the documents to XXXX XXXX who previously represented me back in XX/XX/XXXX. In which the law office is closed and no longer represents me. I have sent in several documents stating XXXX XXXX does not represent me. I have been attempting to get the final modification documents from lender but every time i speak with someone i get the run around passed from department to department. I need some assistance with this situation. I have mailed in a letter of error to lender and yet i am still not getting any resolution. Also, i just made the payment of {$900.00} which was advised by the representative ( XXXX ).
XXXX Transferred my checking account to BB & T. However they did not send my savings account. In the transition they set me up with a new BB & T account login online, but did not provide me with the information or attach my email. The settings on my checking account were not carried over. 
XXXX Account : Overdraft protection - Would not allow transactions that would overdraft my account. Would transfer money from savings if an overdraft occurred. 
BB & T Account : allowed account to continue to go negative, assessed me {$180.00} in overdraft fees in XXXX dayI was not able to go online to monitor my account, I called XXXX times in XXXX days to get assistance with logging in online and was on hold for over XXXX min each time before having to hang up because I was working ( working XXXX hour days for a project ) Was told debits and credits would be transferred between accounts. However when my company attempted to deposit my check it was rejected. As you can imagine I am not a happy customer of either XXXX or BB & T for being so thoughtless to the customer. I wanted to go close my XXXX account on XXXX before the transfer, since I opened a XXXX XXXX account to use, and to my surprise all of the XXXX branches were closed and I had no way to close it. 

I want all of the debits and anything to stop hitting this account. I want for everysingle overdraft fee to be refunded. I want to pay the balance that was actually paid on my behalf and I want this account closed.
XXXX from XXXX called and threatened to have sheriff come and arrest and send me to court. Left voicemail. And called several times. Very rude and threatening
XXXX XX/XX/2016, I applied for a refinance with Amerisave Mortgage. I submitted all requested document in a timely manner but every time I fulfilled the request, Amerisave would request more documents. On several occasions I requested the underwriter or processor at Amerisave call me with any concerns but they did not. Moving forward, on XX/XX/XXXX, we still had not closed on my refinance so I tried another lender. Since I already had a FHA Appraisal, the new lender informed me to requested Amerisave to send them an Appraisal Release Letter. Amerisave has not drafted the letter stating the middle man XXXX or the Appraisal company would have to draft the letter. Both of those parties state, they are unable to process that request because Amerisave requested the appraisal. Based on what I have learned in the process ( from mortgage companies, XXXX, and the appraisal company ), the Appraisal Release Letter is a standard industry practice. I am asking for your help with this process. Thanks in advance for all your help. 

XXXX XXXX
I did not pay Wells Fargo Home Mortgage late They are reporting this for 10 years of debt and I did not pay them late.This shows up negatively on my credit They have been contacted several times and they say we are working on it and never conclude the investigation they are working on. This has cost me several loans and credit card because of this nit beinghandled in a proper manner
Equifax has been non-compliant with removing the unverified account Bankruptcy DISMSD/CLSD XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy DISMSD/CLSD XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
XXXX SYNCHRONY BANK XXXX XXXX SYNCHRONY BANK XXXX XX/XX/2015 {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX  cra violation inaccurate information sent my police report what else do they want
There are 2 accounts which i paid in full ones for XXXX n the other is XXXX they both been payed in full
i complained about this company on XXXX/XXXX/2015 and they asked me specific case that i am disputing,,, i am disputing on XXXX Card on My file they changed the payment dates several times Only ON XXXX, it shouldve Fallen off long time ago but some how they have acces on youre data and change the last payment time which is wrong,, Also i had XXXX accounts on My record which Fallen off due to statue of Limitation but still you reporting the original creditors on my record which has a wrong date on it and these accounts are Showing as Closed accounts but still in my record the XXXX accounts are the ones i am Talking about since XXXX agreed and stooped Reporting XXXX also suppose to Follow not stay in my recordthank you
As a tax payer and a equity owner in CITI, I'm appalled at their boycott of the firearms industry!! Their greed along with other banking institutions resulted in a trillion dollar plus bailout. They should not have the right to deny a legitimate industry the access to monies based on political bias.
Continued complaint # XXXX ... .this is the third request for payoff instructions : on XX/XX/2018, the payoff amount is per CSR is {$20000.00} up fromXX/XX/2018 of {$20000.00}. Payoff address XXXX XXXX XXXX XXXX XXXX, UT XXXX Attn : XXXX. The company is known to debit customers accounts w/o proper authorization, this information will be forward to our personal accounts provided to Prestige Financial prior to paying loan in full. The lender will be expected to transfer title properly and immediately upon receiving payoff in full.
On XXXX, XX/XX/2018, Hunter Warfield ( Bill Collector ) contacted me at XXXX which is an observed Holiday and known inconvenient time in which was a violation of FDCPA laws. They first would only ask for me by name and would not tell me where they were calling from which is a violation of TCPA laws. They did not tell me that the call was being recorded at the onset of the call in which also is in violation of Florida law. 

I had let them know that it was an observed holiday and an inconvenient time and they did not care and they were quite rude in regards to speaking with me, again before I was to sit down for XXXX dinner. I had called back and asked to speak with a manager who I had told that they were contacting me on an observed Holiday and he did not care and became rude with me as his only care was my bill. 

On XX/XX/XXXX they had contacted me again on my cell phone while I was at work. Again asking for me by name and not telling me who they were until I was upset. Once this occurred I had spoken with them in regards to the holiday call and they did not care and were rude. I let him know I was going to speak with my lawyer into the matter to see if this was legal. The individual became even more rude and disconnected the call after he was insisting I give him my lawyers contact information. I had told him I would connect with my attorney prior to them speaking with him in which he just threatened he has 14 days to contact him. I had called them back and spoke with someone else in regards to how I would not be threatened or spoken too in that manner and that I was reporting them to the XXXX/CFPB and possibly my State Attorney General. 

This type of business practice must stop. I have told them where my bills are and when I can make payment and they do not care and just become more rude. They have contacted me many times prior to this but I was not tracking it as I am now. I have seen that there is over 500 reports against them with the XXXX XXXX in which I have filed mine as well now. I need assistance in this manner.
I have a paid and released State of Michigan tax lien from XX/XX/XXXX still reporting on my XXXX and TransUnion credit reports. 

The National Consumer Assistance Plan states that tax liens without a date of birth or social security number are to be removed from credit reports starting XX/XX/XXXX. My tax lien has neither date of birth or social security number. XXXX voluntarily removed the lien. 

Both XXXX and TransUnion have told me over the phone there is no such law or agreement and refused to remove the lien. 

Please see attached documents for proof the information is missing. 

Thanks for your assistance.
On XX/XX/2018 Transunion launched an investigation into this collection account which was found not to be mines and they deleted. The item on XX/XX/2018. I applied for a place on XX/XX/2018 and was denied because of this collection that was deleted. I called TransUnion report screening who handles rental and background checks. They stated I needed to call the Transunion credit bureau which I did and they assured me that the item was not there and that they didnt see an inquiry from this company.