WillisBack/dataset-financial-user-claim huggingface dataset:
I was on a work conference in XXXX XXXX XXXX, California at the XXXX XXXX  XXXX XXXX XXXX XXXX ( from here on referred to as " the resort '' ). I stayed for 4 nights but my room was paid for by my job. My only responsibility was to provide a maximum of a {$100.00} / day room deposit. At the end of my stay the only amount on hold was near {$270.00}. When I left it was about XXXX XXXX, so I did an express checkout, leaving the key in the drop box. I assumed my receipt would be e-mailed to me since as part of my check in they requested my email address. It was never emailed to me. 

Two days later my deposit was returned to me. However, today I received a notification stating that my account had been overdrawn to a balance of - {$520.00} and the reason was that XXXX XXXX XXXX had placed a {$820.00} charge on my card. I called the resort however I am overseas so while I was able to speak to a receptionist I was not able to get in touch with the finance department because they did not open XXXX XXXX. I had a member from my family who is still in the country continue to call the resort on my behalf. His first attempt the call did not go through. His second attempt after XXXX he was told he could leave a voicemail. He told them he did not want to leave a voice message he wanted to talk to a live representative. They transferred him, and the phone rang through to voicemail. He left his information. He called back two more times to no avail. We still have not been able to contact the resort 's finance department. We have been calling almost every half hour now since XXXX XXXX  and still have not reached XXXX, the person in the finance department. 

My complaint is based on the following issues : 1. There was no physical damage to my room that would warrant the resort keeping my deposit.

2. The hotel staff stated that the hold would be for {$100.00} a day so the maximum that should have been charged to my card is {$400.00}.

3. I was never provided with a receipt even though the resort has the means to provide me with one.

4. The resort seems lax and even non attentive to the issue at hand and seems to be avoiding contact.
I refinanced my property with Nationstar Mortgage. I signed the XXXX XXXX/XXXX/15. In the NOTE and the Settlement pages ; says that my firstpayment will be on XXXX/XXXX/15. By the ending of XXXX, I tried to pay onlineand I could n't find my account #. Immediately, I called NationstarMortgage and this was the time that was horrible, frustrated, exhaustedand wasting time I never ever had. After, I called loan officers, differentLoans Managers different Department, Closing Coordinators, ClosingCoordinators Managers and Loan team Leaders, ETC ... .Today 's dateXXXXXX/XX/XXXX and still NOT getting any resolution to this legal matter. 
The last DOC Nationstar sent me by E-mail says and asked me to sign a Doc fora new refinance that I did not authorized. 
See attach,
I seen on my credit report on that national recovery agency had posted a collections for XXXX XXXX XXXX. I have moved several times in the past two years due to school and didnt know I owed them money. I actually still have XXXX  at my current home as my electric provider and still havent received anything in the mail.
Transunion is reporting inaccurate information on my credit report. They are reporting a charge-off account from XXXX when i never had a XXXX account. By the FCRA unless they provide me supporting documentation with my wet signature they must delete the charge-off account from my credit report.Failure to do so will result in a lawsuit against both the creditor ad the credit bureau 's. I have sent documentation to my attorney also.
I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by Consumer Finance and XXXX XXXX. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. 

Example of discrepancies. 
On one set of customer account activity statements received XX/XX/XXXX, there are two fees applied on XX/XX/XXXX of {$730.00} for : a. One fee is for Hazard Insurance b. The other fee is for Escrow advance On the other set of customer account activity statements received XX/XX/XXXX, there is only one fee applied on XX/XX/XXXX of {$730.00} for : a. Hazard Insurance Dispersement There are also several {$25.00} fees listed on the customer account activity statements received on XX/XX/XXXX that are not reflected in the customer account activity statements received on XX/XX/XXXX. 

I will be taking legal action on this matter. You can also see a copy of some of the discrepancies attached. This issue goes back years.
In XXXX I notified target credit card that there were multiple same day purchases. 
The first person I spoke with, XXXX, was nice and went over items and removed all the items that we did not purchase. 
A fraud person at target credit cards put all the charges that XXXX had removed back on my card and added finance few and late fees and never notified me that she put the charges back on. Since then I have called XXXX only to get hung up on and told I had to have made these purchases and they refuse to do anything!
I PULLED MY CREDIT REPORT FROM EQUIFAX AND DISCOVERED THERE WE'RE 3 ACCOUNTS ON MY CREDIT REPORT THAT WAS NOT MINES AND ONE HAD REACHED THE 7 YEAR MARK, I DID AN ONLINE DISPUTE, WHEN THE RESULTS CAME BACK ONLY ONE ACCOUNT WAS DELETED AND THE OTHER 3 REMAINED SAYING THEY WERE VERIFIED. I CONTACTED EQUIFAX BY PHONE AND THE REP I SPOKE WITH I EXPLAINED TO THEM ONE OF THE ACCOUNTS REACHED THE 7 YEAR MARK AND TO PLEASE REMOVE ( XXXX XXXX XXXX ) THE REP REFUSED TO REMOVE. THE OTHER ACCOUNT FROM XXXX & XXXX XXXX I HAVE NO CLUE WHAT THIS ACCOUNT IS. THE REP REFUSED TO DISPUTE THE ACCOUNT AGAIN I ASKED THE REP WHAT KIND OF VERIFICATION DID THE COMPANY SEND AND THE REP PUT ME ON HOLD, CAME BACK TO THE PHONE AND COULD NOT PROVIDE ME ANY EXPLAINATION AS TO WHY AND HOW THIS ACCOUNT WAS VERIFIED. EQUIFAX ARE NOT FOLLOWING THE PROPER PROCEDURES UNDER THE FAIR CREDIT REPORTING ACT. THE COMPANIES CAN'T PROVIDE WITH ME ANY ACCURATE INFORMATION SO HOW ARE THEY VERIFYING THAT THESE ACCOUNTS BELONGS TO ME. I WANT THESE ACCOUNTS DELETED OFF MY CREDIT REPORT FOR FAILURE TO PROPERLY VERIFY THAT THEY BELONG TO ME, AND THE UNIVERSITY HEALTH HAS REACHED THE SOL AND NEEDS TO BE REMOVED
Look at these reports that I have attached to this complaint. I tried contacting these creditors but I did n't get no response at all and I 'm really tired of it. This is my last and final attempt to get this resolved. It is wrong to place information on someone 's credit without their consent and that is a major violation of the law. Companies who are to place them on the credit file is just as guilty. I know the law well and I know that credit bureaus get paid major money to place inquiries on consumers credit so you credit bureaus are willing to anything for money and do n't care about the consumer at all. When I file this lawsuit against all three bureaus I wo n't have a care in my heart as well. 


XXXX : XXXX : Experian : To : XXXX, XXXX, & Experian. 
FYI FOR YOUR INFORMATION, I 've contacted the creditor personally by reaching out to them about this matter & I have n't gotten a response through mail, phone. I do n't recognize any of the inquiries on my credit file. I am sick and tired of you Credit Bureau sending me bogus computer generated investigations. This is the final attempt to resolve this matter with both you and the creditor. I will seek legal actions immediately this week. I am contacting The FTC along, XXXX, and filing a law suit against XXXX, XXXX, Experian.
I am being denied a loan because of a " Dispute '' Status on my credit report. It was removed by the other XXXX Credit Reporting Agencies. 
XXXX has stated they are working to remove this. 
The remark is false. XXXX failed to close my account as requested and charged me fees for years without contacting me. They admitted fault and paid all the fees. It was resolved. XXXX promised they would remove this from my credit about ten years ago. My report shows it was in dispute and XXXX settled for less than the owed amount. I never did anything wrong. They are now " working on it '' again. 
This needs to be removed from my report. The fact that it only on XXXX report, shows there is a clear error.
Attention : XXXX XXXX Dear XXXX, I have contacted you about this matter recently and I disagree with you declining that this inquiry is mine first of all. I wo n't allow you to accuse me of something on my credit file and I told you i am not aware of it. Prove the verification process and the proper protocol you took please. This is my final attempt to send you this goodwill letter to remove the inquiry immediately or your company will pay the consequences when I contact my lawyer so we can take immediate legal actions for accusing me. Under FCRA the consumer has the right to dispute information that does n't belong to him or her. You ca n't tell me it 's mine and I 'm disputing it. I was recently affected by the XXXX XXXX XXXX and my information was also leaked and someone used my identity.
I had my credit pulled for house loan application. However the credit score was quite lower than expected especially since I use credit karma to somewhat monitor my credit. I am aware that there are going to be differences, but with equifax and XXXX ( the ones XXXX uses, the gap was over XXXX points. ) XXXX had my score at equifax about XXXX, XXXX around XXXX, the credit scores that were received my home finance were XXXX and XXXX respectively. I reviewed the reason for the " low '' score and found the reasons. 
1.derogatory public record or collection. 
I was in the hospital ( XXXX XXXX XXXX in XX/XX/XXXX ). After not receiving a bill I called and asked. I was informed that bill was payed and no payment due. I was surprised and queried if info was correct. I was assured that no payments are due. About 2 months later I received from a collection agency a notice that I owe about XXXX $ to XXXX. I immediately called XXXX and was told, that there were XXXX accounts for me and that they had made an error. I told them that I have now a collection agency chasing me down for their error. I called the collection service and paid the outstanding amount. That was over 5 years ago and clerical errors have kept my score low!!! 
2.length of time credit has been etablished. 
I have been living for over 20 years in the US. I have had house payments since XX/XX/XXXX, car payments since XX/XX/XXXX, electric, gas, tv, cell phone bills for over 15 years. Credit cards and what have you. How long doe they want me to have credit.?? XXXX % of the time I pay my bills on time, that XXXX % I missed the due date which happens to the best of us. 
3.proportion of high credit on bank revolving. 
I have about XXXX $ in outstanding credit card bills, the total max/ credit limit on my cards is way over XXXX that means I owe XXXX % of maximum credit limit, how can this be a high revolving proportion of balance. 
4. Recent inquiries. 
In our days nobody has the cash to buy house or car outright. I refinanced my home, to have lower payment and pay credit cards off, and purchased a car, 11 months ago .... I ca n't see how that is a high amount of inquiries. The reporting agencies love for us to open credit cards to see that you pay them and pay on time to show you are responsibly managing your money. But then you get punished for having an inquiry on your record/ score. 
I hope you can help me out and have the situation rectified. These agencies have so much control over ones life, it 's almost criminal. I can see where people have several collections, maxed out credit cards, unpaid bills, inquiring about credit every two weeks that the score is low, but in my case it 's absolutely not the case. 
I appreciate your help!
Nelnet, Dept. of E d/Nelnet, and Student Loan Servicing stating   XXXX   XXXX   XXXX   XXXX  , and  XXXX   XXXX  known as  XXXX   XXXX   XXXX  on credit re ports. Nelnet stat ed in the attached letter by  XXXX   XXXX  from  Nelnet ( see at tached letter ) that all loans were excellent and they reported that to the credit reports but the credit reports reflect delinquent negative and missed payments only.   * Loans were consolidated by Federal Loan Servicing in excellent condition ( see attached ) reflected in letter but not reflected on credit reports * Loans have been on the credit report since   XXXX   which is 7 years and legally should be removed unde r Fair Credit Report Bureau but they have manipulated the records the records to make it look like it is less than seven years but I have the origina l that states missed payments since   XXXX    ( see  attached ).    * All paym ents were missed since   XXXX   and the total reflected missed payments since no payments made and can be removed since it has been 7 years and this manipulation of records is illegal * The fact all loans were doubled and in some cases tripled to make my credit look worst is fraudulent. The letter by  XXXX   XXXX  proves that I only had  XXXX  loans but my credit report shows  XXXX   XXXX  negative credit reports fraudulently I need to have account numbers to see if things were double paid and why they are reporting things double the time * Missed payments keep changing too and that is ironic.    * Student Loan S ervicing known at   XXXX   XXXX   XXXX   XXXX   is still derogatory is collection and  XXXX   XXXX  known as   XXXX   XXXX    XXXX  is collection when they were paid off and taken care of and have been in excellent standing since last yea r by Nelnet and a f ew months ago when  XXXX   XXXX   XXXX  took over shows excellent standing but that is never reflected on the credit report and that is the only thing that is true ( see attached no delinquencies   XXXX   XXXX   XXXX   )
I received a debt collection letter back in XXXX when I was residing in XXXX florida from a company by the name of Procollect for the amount of {$8100.00} resulting from XXXX XXXX. As a result, I never heard of this company or the apartment complex XXXX XXXX. The letter stated that I lived there back in XXXX which I never lived there. As a result, I contacted the company I 've gotten no response as well as disputed the fraudulent information off of my credit report they have denied my dispute and causing a huge issue on my credit history as well as credit score. When I contacted the Renter XXXX XXXX I was told they have never heard of me and they have no record of me in their system whatsoever.I do n't even know if the company Procollect is a legit company because they wo n't give out their license number as well as remove this off of my credit report. They used to send harrassing debt letters in the past which I disregarded with this outrageous balance.This company is a fraud 180 customers have complained about this company falsely accusing people of a debt that is not theirs. Also, customers have complained about this company not resolving their issue.
Sent me advertising when I am on the option out of credit card prescreening on this website XXXX XXXX XXXX XXXX setup by federal government laws and enforcement done by cfpd according to the federal tade commission. Please fine these people. It 's against set laws to mail me advertising after I am on this lifetime list. Which is pulled from the five credit bureaus. Such as XXXX, XXXX, XXXX XXXX, etc.
When I rented a car with my    XXXX   American Express ( AMEX ) card, I wa s charged {$19.00} on  XXXX / XXXX /   2017  by  Amex   XXXX   XXXX   for   XXXX   XXXX  rental insurance. I had previously opted in to this premium car rental insurance on my  XXXX   XXXX  AMEX card, but had not added it to my new  XXXX  AMEX card. When I called AMEX to complain about this, they said that once this insurance is added to  XXXX  card, it is automatically added to any other AMEX cards I get. They refused to refund the {$19.00} fee. They also refused my request to opt-out of premium insurance being added to any ne w AMEX card I may ap ply for. I spoke to  XXXX   (  ID  XXXX   ) a nd supervisor  XXXX   (  ID  XXXX   ) at Amex   XXXX   XXXX  in Oklahoma.
I recently received a copy of my Trans Union, XXXX and XXXX   credit bureau reports and I have confirmed there are multiple credit inquiries that are were in fact NOT authorized by me. I attest and affirm that I did not authorize these inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I requested all three credit bureaus investigate the inquiries to determine who requested each inquiry. Furthermore, I included a copy of a XXXX XXXX, Maryland Police Report which indicates that my identity has been breached. It is my belief that the persons responsible for applying for credit with my information are responsible for that breach. 

I sent my complaint to all three credit bureaus Certified Mail Return Receipt and did not receive anything from any of the credit bureaus. No responses at all. 

THE FOLLOWING COMPANIES HAVE PLACED INQUIRIES ON MY CREDIT BUREAU REPORT : XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX MAIL ONLY XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX/XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX ME XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DE XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX   XXXX  XXXX XXXX OH XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THE FOLLOWING COMPANIES DID NOT PROVIDE CONTACT INFORMATION ON MY CREDIT BUREAU REPORTS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XXXX
Inspired by a recent article which detailed the travails a homeowner was having with Nationstar and the fact that he was seeking help through the CFPB, I wanted to share my experience in case it is not too late to be of use to myself or others. 
XX/XX/XXXX I was seeking to refinance my mortgage, when my existing mortgage was sold to Nationstar. Despite persistent calls from me they took a couple weeks to provide a loan payoff amount, saying that their system had not received the necessary details of my mortgage. The folks at the credit union I was trying to refinance with affirmed that they had never seen such unresponsiveness. As a result of Nationstar 's delay I lost my initial locked-in mortgage rate, costing me an extra $ XXXX/month for a total of over {$9000.00} over the life of the loan. 
I also had issues with Nationstar after the refinance, having to place many calls to get explanations ( often confused or contradictory ) for adjustments they made when refunding my escrow funds. Firstly, although I had requested the Payoff Statement as of XXXX XXXX, they sent it good through XXXX XXXX. The law firm handling my refinance sent Nationstar payoff funds appropriate to the date of their receipt of the funds, eliminating the interest for days after the loan was paid off. But when Nationstar refunded the money in my escrow account they deducted hundreds of dollars for interest for the remainder of XX/XX/XXXX ; despite my objections they refused to refund that amount. 
Second, my initial mortgage had been an FHA loan which had been open two and a half years ( since XXXX XXXX ). I was of the impression that the up-front Mortgage Insurance Payment which I paid when taking out the first mortgage was paid out over the first five years, and so because I was refinancing before the five years had passed I was due a refund of some amount of the up-front MIP payment. As part of the aforementioned calls with Nationstar regarding adjustments they made when refunding my escrow funds, I tried to ascertain whether I was getting this refund. Although they said yes and pointed to a credit of a few hundred dollars, I was a suspicious given that I had been expecting about half of the original up-front payment ( which was {$7000.00} if I recall correctly ). 
Bottom line, I do n't know if the folks at Nationstar were swindling me or just incompetent, but either way the result was expensive for me.
The judgments that are showing on my credit report, were entered by third party and not by XXXX XXXX nor the Court, this third party reporting is against the law and has created an negative impact on my credit score. And is stopping me from succeeding with my life.
Citi Bank charged me a {$25.00} maintenance fee when they switched to XXXX XXXX XXXX when it was previously free due to having my mortgage with them. When I called Citi Bank to dispute the charge they told me that there was NOTHING that they could do to help me because that was a XXXX XXXX XXXX charge. But, Citi was still the name posted on the bank. Citi told me I would have to now speak to XXXX XXXX XXXX to get them to credit the fee. I then contacted XXXX XXXX XXXX and they said that it was actually a Citi charge and they could NOT help me. When I called Citi back they said they would like to help me but because they no longer have a bank in Texas they could n't help me at this time. I told them that I called them while they they were still here and I had an account with them. Why did they send me on a wild goose chase just to get out of taking my money. I do n't want their money I JUST want MY money back! They deducted the {$25.00} from my account. This is highway robbery and totally unfair! My name is XXXX XXXX and my account number was XXXX.
I sent {$10000.00} to XXXX supposedly for the purchase of securities that were to generate me a monthly return. I was to send {$35000.00} total but I choose to do it in installment in the event this operation was a scam. The reason I was trusting was that I was making money initially with doing binary trading and would receive my withdrawals when I submitted them. I decided to close out my account and get my money back but the company is not responding to my phone or e-mail request. I had over {$17000.00} in my account in addition to this {$10000.00} wire transfer I did on XX/XX/2016 from my checking account at Key Bank.