WillisBack/dataset-financial-user-claim huggingface dataset:
Voluntarily offered collection company {$500.00} to settle acct. Accepted. Stated would remove from credit hx. Remained on credit report as paid in settlement. Disputed XX/XX/XXXX as I was expecting acct to be deleted from my credit report. Scheduled to be removed 7 years after original loss, report would expire off my credit hx in XX/XX/XXXX. By requesting removal of report, Experian updated, as below, and now my report will show as bad collections ( Paid in settlement ) until XX/XX/XXXX. That 's what you get for trying to resolve the situation. 

Status : Paid in settlement. 

Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XX/XX/XXXX.

Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : XX/XX/XXXX
I tried to get a mortgage approval through Rocket Mortgage. At the moment I originally applied, my credit was around 608. After reviewing my credit, they said the system required a " dispute removal ''. They would not process my loan unless I agreed to this dispute removal process. After this procedure, they reran my credit and it tanked to XXXX. I did not qualify for FHA loans without a 10 % down payment due to my credit being to low ... but only after THEY RUINED IT! Rocket Mortgage refused to manually underwrite the loan. STAY FAR AWAY FROM ROCKET Mortgage!
Failure to pay my property taxes by SLS, even though I have called them over 7 times and asked them to pay them. They refuse to call me back. Also, they paid the property taxes on another piece or property I own which was refunded to SLS in the amount of {$94.00} by the XXXX XXXX tax assessor who informed SLS that they paid the wrong taxes. SLS refuses to credit my escrow account for the refund. I faxed them a copy of the correct property tax assessment on or about XXXX XXXX, 2016, which they confirmed receipt of and yet they refuse to pay the property tax and refuse to call me back and/or speak with me. Now there are over {$100.00} in interest and penalties due in addition to the {$1500.00} in property taxes. I have made 7 or 8 phone calls in the last two months to no avail. The representative tells me they are researching the problem ; she then transfers me to a supervisor which goes directly to a voice mail. After leaving a long detailed message, I have not received one phone call back and the delinquent tax bill which is now 3 months overdue is still not paid.
Approximately three weeks ago I did an Electronic transfer from my account to my wife 's account. Instead of sending The transfer electronically Huntington sent a check to my wife lives with me in my house. So I called Huntington Banks and told them that they made a mistake and sent a check to my wife instead of an electronic transfer. I asked to my money back, and they said the only way to do it was to stop payment on the checks and to reverse it back to my account. I said ok, would there be any fees he said no but if there are then just call us and we will reverse them. There were XXXX transfers did XXXX for {$100.00} and XXXX for {$1200.00}. The reason for the transfers was to put money in my wife 's account who is with Huntington also. I was charged {$31.00} twice. I called the back and after rudely speaking with me they revered only XXXX the fee 's. I am so mad I am a poor working man and I do not have an extra {$31.00} to give Huntington. I have never been charged any fees with at all never made a mistake, but I did the transfer as they recommend I do at the branch. they tricked me and I want my money back. I am filing complaints XXXX. Please help. The manager that assisted me the first his name was XXXX and the XXXX manager who was rude was XXXX. I just want my money back the {$31.00} dollars and an apology for the way I was treated, it 's like they do not care.
Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XX/XX/XXXX. Secondly, TRANSUNION is the XXXX. I have constantly complained to them that I had inquiries that I did not authorize. I complained sooooo many times and they do not care!!! The following FRAUDULENT inquiries from my transunion report need to PROPERLY investigated and removed IMMEDITALELY!!! # 1- XXXX XXXXXX/XX/XXXX, # 2- XXXX  XX/XX/XXXX, # 3-XXXX XXXX XXXX XX/XX/XXXX, # 4- XXXX XXXX XXXX   XX/XX/XXXX, # 5- XXXX XXXXXX/XX/XXXX # 6- XXXX XXXX XX/XX/XXXX # 7- XXXX XXXXXX/XX/XXXX, # 8- XXXX XXXX  XX/XX/XXXX, # 9- XXXX XXXX XX/XX/XXXX # 10-XXXX XXXX XX/XX/XXXX, # 11-XXXX XXXXXX/XX/XXXX, # 12- XXXXXX/XX/XXXX, # 13- XXXXXX/XX/XXXX
I 'm writing to request an investigation into XXXX XXXX XXXX and FMS Financial Solutions ' business and debt collection practices. I believe that their practices violate the Fair Credit Reporting Act found at 15 United States Code XXXX U.S.C. XXXX XX/XX/XXXX as well as the Consumer Credit Protection Act found at 15. U.S.C. XX/XX/XXXX XXXX Title VIII - Debt Collection Practices [ Fair Debt Collection Practices Act ]. XXXX XXXX has entered and received a judgment against me in order to garnish my wages at 25 % per instance with interest accruing daily on the outstanding balance. However, this comes after several phone calls and letters from my lawyers at XXXX, XXXX and XXXX to attempt to re-instate the pre-arranged payment plan of {$60.00} per month ; XXXX XXXX did not deign to reply to my lawyer 's correspondence or phone calls. XXXX XXXX 's office claims that I defaulted on my payment plan. However, this is not true. XXXX XXXX/FMS Financial Solutions had my information and permission to withdraw funds directly from my account on a monthly basis. However, they never withdrew funds from my account on a constant basis. On XX/XX/XXXX I get a letter in the mail from the XXXX XXXX 's XXXX Court that a judgment was entered against me due to my " defaulting '' on the agreed upon payment plan. I never received any phone calls, emails or mail from XXXX XXXX/FMS Financial Solutions stating that there was a problem with receiving payment. So, they basically waited 9 months to " inform '' me that I had " defaulted '' on my payment plan by using the court system.
Nationstar doubled my payment based upon an error in their escrow analysis. 
XX/XX/2015 they increased my escrows for property taxes to {$330.00} a month. 
My property taxes are only {$730.00} every 6 months. or {$120.00} a month. 
I have tried in vein to get this issue corrected and I have proof that Nationstar was made aware of the issues in written correspondence dated XXXXI have offered to make principal and interst payments but was advised that I need to get escrows corrected first. 
Now i am four months behind. They have no record of my issues and have started a foreclosure action. They also sent in a crew to winterize the property and they did damage.to my property. 
RESPA doesnt allow Nationstar to collect that excessive amount of property taxes. And obviously this type of service abuse shows that predatory lending still exists
I sent a letter disputing many inquiries on my credit report to Transunion XX/XX/XXXX. I never received a response. I then sent a follow up letter in XX/XX/XXXX to inform them it was greater then the 30 days and that the inquiries never were investigated and therefor needed to be removed. I spoke with them XX/XX/XXXX and they advised they do n't have to investigate the injuries.
XXXX agreed to remove a 90 days late indicator from XXXX XXXX from a number of accounts. I have forwarded this information to the credit reporting agencies, and disputed numerous times, but the 90 day late indicators continue to reappear on my credit reports, after being removed.
On Monday XX/XX/2016, I call Chase Manhattan Bank to stop a Check that I gave to a XXXX, but the XXXX did n't do the Job, after try to contact the XXXX several times without answer, I was trying to stop the payment, and confirm that the check was no cash, When I call the bank the associate confirm that the check was not cash and I gave him the information of the check I was not at home so I only had the XXXX XXXX numbers of the check number but I had the the amount of the check {$6700.00}, and the name of the company ( On the check ) the associate said that the information was enough to stop the check, but besides that Chase Manhattan cash the check. I said several time to the associate if the information was enough and he said yes. Beside that when the check arrived Chase cashed the check and tried to blame me for that, they were not allowed of cash the check after I stoped the pay of the check.
To Whom it may concern, Hope this day finds you well. 
I am a victim of Hurricaine Florence. I called to inform the Credit Card Chase Slate company to set up arrangements for payment.. First I want to explain I was misunderstood about the APR. % I understood I could try to get a lower percentage after 6 months. No one could do this. Not one time  have I been late in 2 years of having this Chase Slate Credit card. I have recently dealt with numerous hardships. Homeless XX/XX/2018 per a Landlord who claims he owes Federal and State taxes to IRS even though he verbally told me on phone for additional 1 year lease for my daughter to stay in the school she was attending.. A divorce on XX/XX/2018 and to follow Divorce hearing tommorrow XX/XX/2018, and Hurricaine Florence XX/XX/2018 that left my " paid '' car totalled out from water and electrical damage from flooding. The way I have been treated from this company has been very devastating I was basically the phone begging for help by 5 different " associates '' for approximately 5.5 hours only to be denied an  arrange for hardship only to be confused with paying them prior to my due date.. You see I am a XXXX XXXX and I can not miss work or sign a contract until after my divorce hearing tommorrow XX/XX/2018. So that means NO Income at this time. They had a XXXX payment coming out of my account for XX/XX/XXXX then XX/XX/2018 and XXXX XXXX dollar payments coming out of my account for XX/XX/2018 until I found that they did have hardship for hurricane. All I wanted to do was close my account and set up monthly payments near 200. Now it is XXXX a month. I can not pay this amount and I am trying not to let it affect my credit score. They keep denying me. I will send this letter to you in good faith if someone can please investigate. I am continually hearing that they can't do anything for me. I have to work. I do NOT have time for this anymore. It has caused intense stress and they belittled me many times over. They then referred me to a Credit counseling agency XXXX XXXX that required a higher percentage rate and informed me well that I can't buy a house with this credit until paid. Really? I lost my car, my home and divorce All in one month ... .. XXXX XXXX wants to Tell me that for about an hour on the phone too. I do not wish this for anyone else. 

Again Thank you for your time and have a good day. 
Sincerely, XXXX XXXX XXXX
I recently received a credit card from XXXX XXXX on XX/XX/17. The new credit card came with a notice stating that I was entitled " Under federal law ... the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact : Transunion. '' It gave three options for contacting Transunion, including " On the web : Visit www.transunion.com ''. I proceeded immediately to the website to get a copy of my credit report. It asked for some details and I proceeded, never giving any indication that this was a subscription product or that I would be charged for this transaction. Transunion billed me {$21.00}. I called Transunion customer service immediately upon discovering the charge and informed the Customer Service Representative that I was trying to obtain a copy of my credit report, as indicated on the notice from XXXX XXXX, without charge under federal law. She stated that no such option existed on Transunion.com, and that I needed to go to XXXX. I reiterated again that the notice from XXXX XXXX said to go to www.transunion.com. I ensured the subscription was cancelled. 

I then called XXXX XXXX, as the CSR from Transunion was rude and unhelpful. The XXXX for XXXX XXXX politely advised that there were no options for me to pursue with XXXX XXXX until the charge posts fully to the account. As of now, it is still a pending charge. 

Clearly, between XXXX XXXX 's notice and Transunion 's apparent attempt to fraud customers into buying a subscription for those looking to obtain the credit report they are legally entitled to receive free of charge, there is a lack of fairness and transparency on behalf of one or  both companies. Please assist, CFPB.
I have an Id theft issue and someone stole my information and have used them. 
I have an unauthorized hard inquiries on my credit report.
On XX/XX/XXXX and XX/XX/XXXX of XX/XX/2018, per the FCRA Law, I asked Advanced Resolutions Services Inc. for evidence within FCRA that the bankruptcy they are reporting was mine. They have responded by saying that they spoke to someone at the bankruptcy office. I asked for who they spoke to as well at the court and they have not answered. 

As you can see by the attachments, the courts do not report or speak with anyone regarding any cases. 

Advanced Resolution Services Inc. didn't respond to my first letter which is a violation and there only response did not answer my question of who did they speak to at the court. They even listed the wrong name of the court. AND they still have not provided me with the proper evidence according to FCRA.
I recently got a Chase preferred credit card and received a pamphlet with their ostensible benefits. XXXX of these benefits was travel cancellation insurance. XXXX of the excluded conditions was " a pre-existing condition. '' When I called to find out how they defined that, they read me a definition over the phone. But when I asked that that be sent to me in writing they refused. This was the benefits administrator, who then advised me to call Chase directly. Chase also refused to send this information.
I rented an apartment from XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. 
My apartment was located next-door to the superintendent of the property. I went away on vacation on vacation in XX/XX/XXXX. I came home to find that there was a hole drilled into the wall in the closet under the stairs with a white cable wire going through it. 

I called up XXXX XXXX on XX/XX/XXXX to notify them of the incident. XXXX XXXX stated they would look into it. I was disturbed XXXX XXXX 's lack of response regarding this matter. I was very upset that an employee who is their superintendent would use his key to gain entry to my home and drill a hole into the closet in order to gain free access to my cable television. 

My wife and I had XXXX small children ages XXXX and XXXX XXXX old. My wife and I no longer felt safe in the apartment. In XX/XX/XXXX we informed XXXX XXXX that we did not feel safe after their employee unlawfully entered our home without prior permission and stole our cable services. 

I took pictures of the holes drilled into the wall and the cable wire which were sent to XXXX XXXX Corporate office. XXXX XXXX kept our security deposit and come to find out 5 years later they filed a judgement against in the amount of {$10000.00}. I never received any notification from XXXX XXXX regarding the judgement. I Spoke with XXXX XXXX prior to me vacating the apartment. 

I tried to contact XXXX XXXX requesting back up documentation for the alleged balance they claim I owe them.
My mortgage lender has been collecting property taxes from me, but I do not see them paid to county. I remain there in my escrow account piling up. Country has started charging me interest on unpaid taxes.
Equifax, despite being warned months before, did not keep their security up to reasonable standards and my information was accessed by an unauthorized third party. Rather than notify me directly, I had to see it in the news and do my own research to find out that I was indeed affected.
I opened a paypal credit account in XX/XX/XXXX. The purchases were deferred for interest. The minimum amount due was always paid on time. For several months, I did not receive a bill. I spoke with Paypal ( XXXX ) in XX/XX/XXXX to inquire about my statement. She promised to mail me my statements. I never received them and later found out from paypal that she did not mail them as promised. I spoke with XXXX, Agent ID XXXX on XX/XX/XXXX. She explained how to view statements online. She transferred me to XXXX, Agent ID XXXX who then settled the account for {$1600.00}. He said he would waive the interest accrued and late fees since I did not receive my statements. I agreed to this and gave him bank information to take a payment. They debited my bank account on XX/XX/XXXX for {$1600.00}. On XX/XX/XXXX, I noticed online a balance for {$350.00}. Paypal is now saying they did not agree to waive the late fees and incorrect interest accrued and that they don't have any notes from the representatives that I spoke to. They also said they do not have any records on the representative who took my payment of {$1600.00}.
In the months of XXXX, XXXX, XXXX, and XX/XX/2018 I have continuously been in contact with Experian Consumer reporting agency regarding the account ( XXXX XXXX ) that still remains on my credit report which was established due to identity theft without my knowledge or consent. XXXX XXXX account has since been removed an blocked from XXXX Credit Report. I've sent Experian Consumer reporting agency several letters and correspondence supporting my claim but have yet been able to resolve this issue. This violation of the Fair Credit Reporting Act ( 605 ) ( 609 ) ( 611 ) is negatively affecting my financial ability to make necessary purchases to provide for myself and family. I expect Experian to adhere to the Fair Credit Reporting Act by immediately removing these accounts from my credit report
I opened a new HSBC checking account with {$350.00} new account promotion in XX/XX/XXXX. I satified all the promotion requirements by setting up the direct deposit. Two of my friends opened the new accounts 1 week later than me. Both of them received the {$350.00} bonus at the end of XX/XX/XXXX. The latest time based on the promotion terms and conditions should be the end of XX/XX/XXXX. But till now, XX/XX/XXXX, I still did not get the bonus. I tried more than 10 times to contact the HSBC customer service. After checking the promotion 's terms, all the representatives aggreed that I satisfied all the promotion 's requirements. Then they forwarded my case to the backend promotion team for further research. I received the responses only twice of all my requests. Mostly, they promised to reply within 4 business days, then nothing happened. The first time the backend team stated that I did not qualify for the {$350.00} promotion because I already held an account with HSBC Bank USA while opening the new account. But I was not holding any HSBC account when openning my new checking account. The terms stated " Customers who held any HSBC personal account between XX/XX/XXXX and XX/XX/XXXX are not eligible for this offer. '' But my previous HSBC personal account was closed before XX/XX/XXXX. The second time the backend team stated that did not qualify for the {$350.00} promotion because I opened a new savings account along with my new checking account. But there was no any limitation on opening a new savings account in the promotion terms and conditions. I do n't think openning the new checking and savings accounts together could make me ineligible for the new checking account promotion. In addition, the two of my friends opened the new savings accounts too. They received the {$350.00} bonus. All in all, I met all the new checking account promotion 's requirements. But HSBC Bank USA refused to give me the bonus in different unreasonable excuses. The bank wasted a lot of my time without correcting their fault, even though I had contacted them for more than 10 times. They even did not reply to my customer service requests as they promised.
I was purchasing a truck from XXXX XXXX  XXXX XXXX XXXX. I spoke with XXXX XXXX on XX/XX/XXXX. It was a XXXX XXXX XXXX. I also purchased a extended warranty at that time, and got the gap insurance to.I put {$3000.00}. down on truck.Truck was financed through Mercedes-Benz financial. Extended warranty with XXXX. I have got all my paperwork. I ( XXXX XXXX ) was driving back home to XXXX, SC on the way I had lights going off on dashboard. I called and text XXXX about this, he said keep driving it because of truck sitting. ( i got my textes ) i kept going, got truck home and loaded it up getting ready to go to XXXX GA got a job with them owner operator.When i got ready to go on the XX/XX/XXXX truck would n't crank. Text XXXX, but i got a jump and went on to XXXX. On XX/XX/XXXX took truck to XXXX get a DOT inspection for XXXX XXXX. Truck did n't pass. Needed brakes.I got it fixed.I have not even pulled my first load at this time. Then on XX/XX/XXXX had problems with truck took truck to XXXX XXXX, XXXX machainic called Mercedes and was going to get approved to do work through insurance and they stated i did not have insurance. We all XXXX and myself was looking at paperwork and said i got prove of insurance and could fax it they said no. I had to pay out of pocket.XX/XX/XXXX back in shop again, called Mercedes they still say no insurance out of pocket again. XX/XX/XXXX had to get truck worked on again., had to pay out of pocket.XX/XX/XXXX-XX/XX/XXXX back in shop.XX/XX/XXXX in shop. XX/XX/XXXX in shop. XX/XX/XXXX back in shop,XX/XX/XXXX in shop. Each time i would call Mercedes about truck being in shop, I could not keep making payments and paying for truck in shop, Mercedes finanly said get truck out shop and i could catch up on payment. I did and the week i got truck out they said make payment are they was going to repossess truck, I tryed making half payment they would not accept it. They said bring truck and turn in. I took truck to XXXX NC and called Mercedes and told them where truck was. I talked to them, Mercedes said since i turn truck in it would not go against my credit but it did. I paid out over $ 11,000.on my truck, I paid for a warranty and was making my payments, I could not afford both. I lost my job because truck staying in shop all the time. I lost my truck and my job, and got a repossession on my Credit. How can i get this off my credit?
I lost my wallet on XXXX/XXXX/2016 and called Bluebird by American Express. They stated that XXXX ( XXXX ) charges had been made using the card for {$300.00}, XXXX and XXXX. Once the transactions posted on XXXX/XXXX/2016 I called back to dispute the charges. I filled out and submitted the dispute form on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they informed me via email that they had concluded the investigation and I was due no money back for the {$300.00} & XXXX. At this time I contacted BlueBird as it stated at the bottom of the mail. After an hour, a Supervisor told me that they could not tell me how they determine the outcome or what information they had. I was told the information was " proprietary '' and " confidential '', I was also told that the people who make these decisions " have no phones '' and there was " no way to contact them ''. On XXXX/XXXX/2016 I was told that they had finished the investigation on the {$500.00} and again I was owed no money. Again the email from the bank stated to call them for the documentation they used to make the decision and again I was told that I was not allowed to see the information