WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX , I checked into the  XXXX   XXXX   XXXX  in  XXXX , GA. I was attending a   XXXX    regional meeting. The hotel charges were charged to, and paid by, the  XXXX   XXXX .     When I checked in,  XXXX  put a {$25.00} hold on a credit card issued by CitiBank.  XXXX  released the hold on  XXXX   XXXX .  Citi  refuses to take the hold off my card. They have told me their policy is to keep the hold on for 30 days.     I do n't owe  XXXX  any money.  XXXX  does n't claim I owe them any money.  Citi  has no valid business reason to keep the hold on. I have a credit limit. That credit limit is fully secured. Citi is at no risk, so they have no reason to maintain the hold. I would like it released.
XX/XX/XXXXXXXXXX/XX/XXXX I attended classes at XXXX university. The FTC sued this university and awarded students a settlement. Unfortunately, XXXX university has failed to erase the student debt which was a part of the settlement. The settlement also includes {$30.00} million to forgive all private unpaid student loans issued to undergraduates between XX/XX/XXXX and XX/XX/XXXX, and {$20.00} million for tuition, books and lab fees.
My wife and I purchased a XXXX XXXX in XXXX XXXX with Ally Financial holding the lien. We recently experienced severe issues with the car and it is not longer safe to drive. We can not afford to make repairs or payments on the car and XXXX XXXX or XXXX we said to just take the car from the dealership and to we letting them repo the car. We gave all the contact information over. Since that time we have gotten calls everyday demanding we speak to them and they are denying any record of our call about the voluntary repo. 

In addition we had tried to adjust the terms of the loan on multiple occasions and had no luck. Finally we think the van in question is a lemon.
Navient has been adding more money to my balance on my # 4 stafford loan. This has happened twice. Once in XXXX and then again now in XXXX. Talked to them once about first time and gave me no excuse for this nor did they fix it. This last time they added over {$600.00} extra to my balance.
On XX/XX/XXXX I previously filed a complaint with the XXXX  ( see attached ). On XX/XX/XXXX, I received a response from each of the Credit Reporting bureaus indicating that they had verified the Public Record, however they did not verify the record with the source of the Public Record. Rather, they indicated that they verified the record using a, unrelated 3rd party, such as XXXX. 

I find this impossible, as I have previously provided them a letter from XXXX indicating that this Public Record had been removed from their file more than a year ago. 

On XX/XX/XXXX I sent the a Certified Letter ( See Attached ) to each reporting agency providing complete detail that I do not believe their method for verification complies with FCRA 611 ( a ) ( 6 ) ( B ( iii ).  Included in this letter is a duplicate copy of the letter from XXXX confirming that no such record exists in their files. 

I further requested that they actually verify the Public Record with the USBK COURT XXXX XXXX  as that who they claim to be reporting the record. As provided in FCRA 611 ( a ) ( 6 ) ( B ( iii ), I asked them to provide : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

If they are unable to verify this record DIRECTLY with the Creditor they claim as the reporting party, I demand that they immediately removed this record from my file. If they again claim to have verified the public record, I insist that it not be with any unrelated 3rd parties and that they provide the details of the verification as described above
CRA VIOLATION ON THE ACCOUNT THAT NEVER LATE. 
CRA VIOLATION / NO KNOWLEDGE ON THE INQUIRIES.
Westernunion was contracted to perform payment service and did not deliver, provided false information for return on funds, was directed to return funds to source and refused. 

Western union was contracted to make overseas payment and did not deliver money. 
They continue pushed for additional personal information and were refused and told to return all monies to the source bank account. 
Instead, they indicated I would have to travel to retail store to collect. 
Attempted collection at XXXX stores using provided transaction #, XXXX times was rebuffed as payment not available. 
Complained again to western union who has ignored communications and has kept my money.
I was called in on my home phone and cell phone on XX/XX/XXXX. I was called again on XX/XX/XXXX on my home phone, cell phone and I was emailed by XXXX XXXX. I was asked to supply my credit union account number and social security number which I refused to do. 
I called my credit union and was told that they do not use collection agencies to collect and all of my accounts were checked and I have no loans ( which I already knew ). The phone number that called me was XXXX and the person that sent the email was XXXX XXXX, email address of XXXX.
XXXX   XXXX   XXXX   XXXX  OFF my credit card account on  XXXX   XXXX ,  XXXX  after I had negotiated a settlement.  XXXX   XXXX   XXXX  Continues to Report the account delinquent on my credit reports  7  + Years after I settled this account for less than full balance.  XXXX   XXXX   XXXX   Refuses to discuss this account and referred me to  XXXX   XXXX . After Contacting  XXXX   XXXX  I was advised that they had referred this account to an attorney in  XXXX   XXXX   (  6 years and 11 months after the initial charge off ). The Attorney returned the account to  XXXX   XXXX  and  XXXX   XXXX  has No knowledge of the status but they will reassign the account to someone else in the nex t 5 to 10  days.  XXXX   XXXX   XXXX  Continues to provide the Credit Bureaus with Incorrect information 7 Years after the account had been charged off. The latest Incorrect report was  XXXX   XXXX  We attempted to resolve this account years ago but   XXXX   XXXX   XXXX    was Not interested.     The Original dispute Involved   XXXX   XXXX   XXXX   Raising the % rate to 18 % from the original 6 % rate and advising me that if I did not like the rate, I could pay off the account and go away
Please I need help .... there is a DISMISSED BANKRUPTCY in the PUBLIC RECORDS section of my credit report that did NOT happen. I filed for bankruptcy in 2016 but changed my mind and worked everything out with my creditors BEFORE it went to court, so there is nothing to dismiss. I paid all my bills by myself without the help of the bankruptcy court but I'm being punished. I worked hard to do the right thing and this is not right, it's effecting my ability to get a good mortgage rate. I have filed a dispute with all 3 credit bureaus multiple times and get the same " verified '' response everytime. I know they didn't verify it though US BANKRUPTCY COURT where I live because they don't report to the credit bureaus and if they did they would of been told that I withdraw before the case went to court. XXXX, XXXX, & Experian are tarnishing my credit and I respectfully ask that this be removed from my credit report as per the fair credit reporting act. Thank you for your time.
Outsource Receivables & XXXX are both reporting the same debt and attempting to collect the same debt. They are in violation of the FCRA. 2 creditors can not collect on the same debt at the same time. I have been disputing this for months and they all claim it is valid! This is affecting my financing and my attorney agrees. PLUS THE DEBT IS PAST THE STATUTE OF LIMITATION ON THE COLLECTION OF DEBT.
Joined XXXX when it first opened in late XX/XX/XXXX and decided to leave in early XX/XX/XXXX. Despite numerous cancellation attempts and not using the gym in over 5 months XXXX continues to bill me and has now forwarded me to ABC Financial, a Collection Agency in XXXX, AZ. Attempts to contact XXXX XXXX, Membership Manager, go unanswered or returned.Speaking with " XXXX '' ( will not give her last name ), in Customer Relations, hangs up on me.Simple questions like " Will you please look up the last time I used your gym '' to " XXXX '' to show I have n't used the gym in over 5 months are responded to as " that 's not important '' and then hangs up. Letters to both XXXX XXXX and ABC Financial under the U.S. Fair Debt Collection Practices Act, 15 U.S.C. section 805 are ignored. ABC Financial has also been asked to provide written proof that they are licensed to do business in the state of Kansas and they have n't. XXXX XXXX is unwilling to address or correct the matter.
XXXX months after refinancing my home with LSI Mtg Plus, I was promised, in writing, that my mortgage rate would decline from 3.625 % to 3.04 %. Not only did this not happen but I had to pay {$450.00} for a XXXX appraisal and {$100.00} in added court documentation. 
See email below - XXXX From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Tuesday, XXXX XXXX, 2015 XXXX To : XXXX XXXX Cc : XXXXXXXXXXXX Subject : RE : eDisclosure from LSI Mortgage Plus - XXXX OK - please reconfirm though - we will be getting a 3.04 % in 6 mos. and we do not have to go through this arduous process again? Yes?? 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Correct. Streamline process will eliminate the need for the appraisal and tedious process we have overcome. 
This has been quite the process. 
Best Regards, XXXX XXXX XXXX Senior Finance Manager LSI Mortgage Plus | Lending Solutions Inc. 
A XXXX Preferred Partner Direct Line : ( XXXX ) XXXX Secure Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX ext. XXXX Federal XXXX ID XXXX | Lending Solutions, Inc XXXX XXXX Lending Solutions Inc. is ranked # XXXX on the XXXX XXXX XXXX for exclusive products, rates and customer service. 
XXXX I WANT THE 3.04 % RATE PROMISED
I try to apply for my installment loan from lending club I may be discrimination bcause of my race I be able to pay XXXX every months on my credit cards and why I only borrow XXXX and I am not qualify. thanks
ok I made a payment of {$99.00} on the XX/XX/XXXX they added fees in interest in the amount {$65.00} XXXX of my payment of {$99.00} .I am XXXX and have a hard time making the payment My identity was stolen in XXXX and usually they confirm charges this time they did not it was from XXXX and XXXX in the amount of {$160.00} that was in XXXX .I Told them I only stay at the XXXX XXXX XXXX XXXX and neither site said I was even registered. They did not recognize my email account. XXXX XXXX did nothing about it and I just had a small charge I did not recognize they took care of that. I am XXXX my income is limited now due to loss of medical insurance since XX/XX/XXXX
XXXX XXXX I inquired about getting my father released as co-signer. After a struggle with several phone calls and bouncing around, they said I need to pay more ( more than I could even afford ). After XXXX months with on time payments they could release my co-signer. The explanation that I understood was to make sure I could afford repayment. My co-signer has never paid a single dollar in our XXXX year relationship. On the automatic withdraw the have steadily increased the payment without authorization from me but Ive had no choice but to pay. Over a year of higher monthly payments they give me a run around about releasing my father. My father needs to buy a new house due to job relocation and student loan debt does not look good. I feel like they misled me, forced me to pay more through guilt, and lied about the plan they set forward. Not the first time that they have pulled stunts like this including what I felt were illegitimate deferment charges, late charges, and threats. Now my credit, XXXX health, and family is under destruction. Please help
I applied for a business credit card through Amex. They sent me a " pre-approved '' mailing pack and they gave me XXXX to open. As I was talking to the customer service rep I explained that most of my cards had higher limits. His exact response was that all I had to do was apply for a higher limit and Amex would " take care of me on that one ''. So I did-like an XXXX. I applied for an increase on my personal XXXX card which I got in 30 seconds and then I applied on my Amex business card the same day. Amex denied me. So I was thinking maybe the credit line is too new --. And the csr lied to me. So i applied for a credit increase on my personal Amex card as well. Denial. I hate Amex and their lying customer service reps that promise me an increase if I applied for one and led me to believe that if I had did a hard inquiry I would get the small credit increase of XXXX. They should not be able to lie like that --.
XXXX has false information on my credit report. I had XXXX credit card with this bank back in XX/XX/XXXX. I have not had any credit with them since. I filed bankruptcy against this credit card, in XX/XX/XXXX.they say I have other existing accounts that I owe them. and this is false info.Thank You
I was attracted to a credit card promotion by Southwest Air for their Rapids Reward card ( issued by Chase ). The promotion was for XXXX points credited to my SWAir RR account if I spent more than {$1000.00}. in 3 months. I spent considerably more than {$1000.00}. within 2 months. I received XXXX RR points, but not the XXXX points. I called XXXX and Chase today, and Chase said my memory of the promotion was incorrect ; it was XXXX points ( for spending {$500.00} ), not XXXX ( for {$1000.00} ). I beg to differ, as I distinctly remember the details. I applied for the card by clicking on the promotional link from XXXX. At the end of the conversation today, I paid the small balance immediately and canceled the card. I know XXXX and Chase keep adjusting the promotion, and it varies from time to time. However, I 'm positive of the offer they made, as I kept checking my accounts and the offers over time. I will be complaining in detail to XXXX as well.
This letter is my final communication regarding the inaccurate entries being reported on my credit report. 

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at XXXX XXXX XXXX, XXXX, NY XXXX. 

I am seeking {$10000.00} in damages plus {$1000.00} per incident for : Violations of the Fair Credit Reporting Act - including but not limited to Section 611 Violations of Defamation Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 


Prior to our court date if you should decide to correct your records and remove the negative and false item in question, please contact me at the address below, and I will subsequently withdraw the lawsuit. 

My contact information is as follows : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Cc : My Attorney Credit Inquires : The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1- XXXX - XX/XX/2018 2- XXXX - XX/XX/2018 3- XXXX XXXX XXXX XXXX XX/XX/2018 4- XXXX XX/XX/2018 5- XXXX XX/XX/2018 6- XXXX   XX/XX/2018
On XXXX XXXX, XXXX, I purchased online what I thought was a one-time order of XXXX XXXX XXXX for my son. I paid {$39.00} for the shipment and it was supposed to last 90 days. My son used it for about 60 days and we saw little distinguishable difference in his XXXX and I placed no other orders. 

In XXXX XXXX, we relocated to California and filed a change of address with the post office. In XXXX XXXX, I received a notice from XXXX XXXX company, who sold XXXX at the time, that my payment was past due for a shipment sent to us in XX/XX/XXXX. 

I contacted XXXX XXXX at that time and told them that I did not place another order other than the initial one and that I had received no other shipments. I was informed during the call that by placing the initial order, I automatically enrolled in future shipments. I told them I wanted no more shipments and that I would not pay for a shipment that I had no knowledge of nor had ever received. At that time, I was asked to sign a Claims Never Received Affidavit, which I did on XXXX XXXX, XXXX of which I still have a copy. 

I received XXXX other bills on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, indicating that if I did not pay I would be submitted to a Collection Agency for the same shipment, but as instructed in the Claims Never Received Affidavit, I disregarded them with the understanding that once my signed affidavit was received, my account would be credited for the shipment. I received no future communications from XXXX XXXX and assumed this issue was resolved. 

On XXXX XXXX, XXXX, I received the XXXX in a series of XXXX emails from a company called TrueAccord, a debt collection agency indicating they were collecting an unpaid debt to XXXX XXXX. I still contend that I never placed a XXXX order for XXXX, that I never received a XXXX shipment and that from my perspective, I have made all appropriate attempts to resolve this matter. I now need help to ensure this company does not continue to harass my for collection and negatively affected my credit rating.
My Primary mortgage XXXX, that has been the subject of previous communications has been foreclosed, or more precisely the foreclosure sale date has been set for XXXX XXXX, 2015. 
I applied for the NC Foreclosure Prevention Fund, for the MPP. The sale date was stayed. In XXXX, I was notified by MPP, that my application was removed for consideration, so the foreclosure sale date was set for XXXX XXXX, 2015. 
I have a pending sale date on another property that I own, that will provide enough cash, to reinstate my Primary Mortgage. This sale of this other property, has been delayed by weather ( rain ), the surveyors are behind schedule on several of their clients and can not perform duties until after the foreclosure sale date. This was true for several surveyors. 
I request that the Foreclosure sale date be deferred for 2 months, to be sure the survey and closing can be completed. Closing will occur asap, I request 2 months, to allow enough time, in case there are further delays, preventing surveyors, closing attorneys, etc from completing their tasks, especially in consideration of this busiest time of year, for real estate.
Seemingly out of no where, Lexis/Nexis is reporting to my bank (   XXXX   XXXX   XXXX   )  that I am " deceased ''. Using information supplied by Lexis/Nexis,   XXXX   XXXX   XXXX    cut off my credit and debit card and froze my home equity lines. .  XXXX   XXXX   XXXX   has done an excellent job in reversing these errors and getting my card and line access reinstated. I reported this issue to Lexis/nexis and they said they would review my case but it would take up to 60 days. ( Lexis/nexis number  XXXX  ) However, as of   XXXX  , LexisNexis continues to report that I am " deceased ''. I am very concerned that this continued report of erroneous data will impact my other banking relationship, credit etc.    I want Lexis/Nexis to fix their reporting issue and stop providing this erronerous info about me to third parties.
In XXXX of XXXX I stayed in XXXX where I was confronted by a nice young woman to be invited to attend a airing TV show and a seminar on Time sharing, at no obligation and no cost to me. The woman explained to myself and my friend that in order to be eligible for the promotion that we would have to be married. We explained to the woman that this was not the case and we did not wish to move forward with the process, being a little pushy and also very kind at the time we decided to stay and watch the show and listen to the seminar. After we were then approached by a gentleman asking us to fill out a form with only our last XXXX digits of our Social Security number, reluctant because of the hard pull we were reassured that this would not effect our credit in any way, so we agreed. We were also promised by joining this program that we would be eligible for a free 3 day trip to a resort of our choice once we payed a {$100.00} upfront fee I then gave them my personal account information to make the payment. Upon arriving back home from my trip I immediately called to inquire about this and get more information to book for my free trip. I was transferred to over XXXX different numbers ending up at the same place I started at XXXX. This is when I realized I had become a victim of their fraudulent acts. XXXX XXXX XXXX they started to withdraw {$100.00} a month from my checking account, This went on for 4 months until I told my financial institution to stop the payment and was reimbursed {$400.00} that they took from me. In XXXX they " verified " the account as being correct and the bank refunded them back the {$400.00}. In XXXX of XXXX a report ended up on my credit report and also my friend XXXX XXXX as delinquent for the amount of {$1200.00}. My first complaint is that I was told that this would not effect my credit and was 100 % risk free and I would be able to cancel at any time. Secondly, If the company already received {$400.00} from us, how are we still entitled to pay them the full balance of {$1200.00} which is the price quoted for the entire package. Lastly as of XXXX when this remark showed up on my report it had not even been a full year as stated in the contract that the time was up, this action alone should prove that they were even more fraudulent by this action. This company is not only defrauding us a consumer 's but you as well and there should be a full investigation opened up against them because I 'm positive that I am not the only person this has happened to. This is horrible that these people are legally aloud to get away with such fraudulent acts. I am requesting that it is removed from all of my credit reports and XXXX XXXX 's for it states that is a joint contract, also a full refund of the monies that was taken from my checking account
I applied for loan to buying house as residential in california on XXXX/XXXX/2014 at BANK OF AMERICA, after receiving all documents that they were requested, i receive letter from them that loan was denied without any reason.I requested many times and asked them please let me know the reason of denied loan ( on XXXX/XXXX/2014 ), unfortunately nobody respond and it caused hurt feeling to me and economical damages to me.there is a lot of documents can prove it.