WillisBack/dataset-financial-user-claim huggingface dataset:
I.Q.  Data International  is attempting to collect a debt that is not owned whatsoever. They purchased a fabricated debt from an old apartment that created charges because I took took them to court over fabricated electric bills. Initially they tried to collect the debt over  2 we eks after I moved but Georgia Law provides strict deadlines as to when a landlord can claim damage. They must do an exit walk through and send you ANY and ALL damages in writing within   5 business days of move out and by law I was supposed to be notified of inspection. The original creditor broke the law in failing to meet both requirements amongst other things.
Additionally, in the   State o
f   Georgia, it is illegal for the landlord to deduct damages for normal wear and tear. Se  e 44-7-34 ( a ). Thus, carpet cleaning, wall painting and other like expenses can not be deducted from your security deposit if such resulted from normal wear and tear -- -they charged for this as well.
I Q Data International sent a false verification of debt after I contacted them in writing, so for EACH CHARGE, 19   charges total, I requested, in writing, a VALIDATION of debt for every single charge and requested documentation to support each charge because I have photos and documents that dispute the claim. They initially listed this debt on my credit for almost {$8000.00}, it was mysteriously reduced by over {$4000.00} when I send them my initial dispute and the responded with a verification of a fake list of charges. I sent  19 VALIDATION, Not verification, request via certified mail, I paid almost {$140.00} to request validation and they tried to insult my intelligence by sending me another copy of their verification only changing the date. All of the charges are completely erroneous. They have not validated and have ignored all 19 requests.
EQUIFAX customer service would not help and take care of the negative inquiries on credit report. Wrong information reported or error. 



1- Inquiry : XXXX/XXXX. Date of Inquiry : XX/XX/XXXX 2- Inquiry : XXXX . Date of Inquiry : XX/XX/XXXX
XXXX new collections just appeared on my credit file, no new medical debt that has n't been paid exist. How are these companies allowed to just take old, inaccurate non verifiable items and just report them?
I am unfortunate enough to have my mortgage loan through this terrible firm. My mortgage broker repeatedly failed to correct errors in the paperwork even after I pointed them out. Ultimately we closed on the house. So at closing I paid XXXX dollars, all parties signed documents agreed that all cost were paid and my mortgage would be XXXX $ including escrow. I was so wrong. 
Less than a week after closing my insurance agent contacted me to say my homeowners insurance needed to be paid. She said she called the bank and they refused to pay it. Turns out they forgot to include that cost ... ooops. So a week after paying XXXX dollars, I had three days to pay another XXXX. Let me point out I am hearing all of this from the insurance agent, not the bank. In fact I never heard from the bank at all. Like a good human beings I paid the insurance, because it was owed. When it came time to pay my mortgage suddenly I owe XXXX $ a month. The reason is because I have to have escrow because like most regular people, I could n't put down XXXX % and pay all the processing fees. But the whole problem begins because my bankers ca n't count, failed to process information properly and almost caused my insurance to lapse. Yet, they want to be sure the insurance money is there for next year, because that ca n't trust it will be paid. After I called to complain magically a letter shows up from the bank forwarded from my previous address prior to buying a home through them and weeks after all our address changes were processed saying we miscalculated and you got ta pay. 
I opened a checking account with First Citizens with sole purpose of paying the mortgage. It is here I encounter more errors on the part of the bank. They could not link the mortgage with my new account because the names did not match. Turns out that I was listed with my last name first on either the account I opened or my mortgage. This means they allowed a XXXX dollar loan to be opened with a name that does n't match my SSN, or they allowed checking accounts to be opened when the name does n't match the SSN. The fact this error can even be made makes me worry people have all kinds of accounts and loans linked to my SSN if they are n't required to at least verify the name matches the SSN. I could go on with more complaints about careless errors that have real impact on people 's lives. I 've only done business with first citizens for one month and already they are the worse company I have ever worked with.
We used to have my mortgage loan with XXXX XXXX mortgaga but around XXXX, our mortgage was transferred to loan care based in XXXX ; Virginia. On XXXX/XXXX/16, they sent us an escrow analysis indicating that I had a shortage of XXXX. The problem is that they could not explain where the shortage was coming from. I still pay close to what I have been paying in the past. My XXXX went down so too did my XXXX My monthly mortgage payment has gone up from XXXX to XXXX showing an increment of about {$260.00}. They paid out XXXX for my XXXX bill ; that was understood but the shortage still could n't be justified. They continued to refer us to our previous mortgage company for any explanation. 

Also, we were late making our XXXX payment and so we paid it around XXXX XXXX but they reported to the credit bureau that we were late for XXXX instead of the previous month ; XXXX. We paid twice in XXXX. 

The decreases in our XXXX and XXXX is still not reflected in the total amount that we pay every month.
My student loan is serviced through Navient. Navient makes calls to my children and spouse disclosing personal/ private information through voice mails. They have obtained cellular phone numbers to harass. I would like this harassment to cease. They make it really difficult to attend to this matter through this collection harassment. I am fearful that speaking with them will only strong arm me into a situation I can not manage. This is out of control now from past collection activities which recommended only forebearance as options. I had a XXXX loan which is now over XXXX . Please advise.
I paid off my HELOC with Chase Bank on XX/XX/XXXX. I paid all final fees in the amount of {$45.00}. On XX/XX/XXXX, XXXX months later, they send me a letter stating they have placed a lien on my home in the amount of {$36.00} for outstanding fees and I must make the payment to have the lien released.
On XXXX XXXX, XXXX I send a wire from XXXX XXXX XXXX to Citibank in XXXX. The money was to be available on XXXX XXXX, XXXX ( or earlier ) for {$XXXX} USD. This money has not been deposited or returned to me as of XXXX XXXX, XXXX. The individual has asked that the money be returned for the last three days. XXXX XXXX XXXX has asked that the wire be returned by it has not received an answer and has asked again. The money is being held by Citibank without it coming back to me or the individual. I have the individual at the name that is receiving email from the person who was to receive the money.
i have applied for a mortgage loan with wells Fargo and locked the interest at 3.125 for 90 days, we had some delay in the loan with the seller due to contingency of her buying a new home, but we still in escrow and we going to close next week, and we still in the fame time that we locked the interest when the loan was canceled ( XXXX than 45 days ), paid for apprasial fee, had to reschedule the apprasail for 2 times and then the appraiser cancel the order, and the loan got approved as i sent all he needed paper to them .last i discussed with the agent 2 weeks before canceling the loan was their request to remove my wife from the title as her name is not in the loan, and he said that he is going to check with his assistant as he did n't know anything about the request and i asked him to order a new appraisal .i never mention anything about canceling the loan. agent was supposed to call me back to see about my wife and to reorder the appraisal. agent decided to cancel the loan without my permission loan was canceled on XXXX XXXX, even until this minute after 90 days i did n't get anything in the mail saying loan was canceled, i complained and they said they are going to have the higher management look into it .it took them 3 weeks and then they asked for more time, then they said they are not going to change it and the interest will be what it is now which is higher at time 3.785. call them again and they said to give them 3 more weeks and i got a call yesterday needing more time .i do think they want to go somewhere else and either loose the house or get loan from a different bank .they are trying to waste my time, so i decide to contact you to protect my right, and to stop other people from having the same bad treatment .i thought i do have a contract and they did n't respect our contact, i am ready to send a copy of the loan estimate upon request and ready to prove that no communication had happened between me and the loan agent since the day i asked to get an appraisal and question about my wife and the day they cancel the loan as the agent said i called him and i said that the deal is not going forward which is a big lie and i can prove that .until this minute still waiting for their non sense and time wasting decision.
on XX/XX/XXXX I was a victim of fraud. Wells fargo bank is holding me accountable for fraud done to me thru a XXXX transaction and XXXX fraud check deposited into my account and funds later removed. I have filed complaints as to the fraud commited with bank and a police report. they still cali I did this to myself which I did not! Wells fargo reps have laughed t me over the phone and have reuined my credit closed my accounts and refused to return the money I had in the account and now want me to pay for the debt done to me! I did not use my card at XXXX nor did put XXXX bogus checks into my account. I need and demand action and getting nothing and no help
I am currently try to purchase my first house. When my credit report was pulled it states that I have a judgment for XXXX XXXX XXXX XXXX. I have traced it back to the county that it was filed in and they have nothing showing at this time about a judgement from them. In XX/XX/XXXX I consolidated all my student loans but some how I have this one lingering around. We are unable to find any information on it, who it is threw originally, and how to get it removed if it still exist. Please Help!! 
Amount : {$2700.00} Reported XXXX Filed XXXX XXXX County Superior Court
My name is XXXX XXXX an i am reporting Experian credit report agency again. i filed a complaint with the cfbp regarding this issue but experian still do not want to remove all the false informations that they add posted in my file. they never prove a prove of verification to me they never sent to me any letter regarding this issue, any time i log into the so call site of experian to check the result the site do not work at all. Also XXXX and XXXX deleted all the false information about late payments posted by XXXX and all the late payments posted by XXXX XXXX, they sent me a copy of my credit report show all those informations was deleted, but experian still keeping them on my file this company put information on consumer credit file without verifying any of those informations. I asked experian to sent a copy of all the verifications that done with my name on them, they never respond to me even though that they sign the return receipt back to me which is a prove that they did receive my letter and request but they refused to answer me and still keeping those late payments that do not belong to me on my file to destroy my credit. since they can not verify and prove me that those late payments belong to me for more then 60 days i demand immediate deletion or i will have to sue them in colorado federal court of justice
Penfed credit card, which offers membership rewards for all the purchases has not been updating my rewards balance since XXXX of this year. I called them multiple times, but the issue still remains.
With reference to my XXXX XXXX 2016 Case Number XXXX with this consumer agency. 
Why is XXXX being allow to send this open case to a collection agency and continue to harass me with emails and unregistered phone calls while not providing a proper response to this CFPB claim? ( I now have reason to believe that XXXX has filed a negative credit report with XXXX ) XXXX.
Hello, I previously had a credit card account with XXXX XXXX XXXXXXXX. XXXX XXXX closed my account, without providing a reason, about 2 years ago. I had paid the credit balance in full each month. According to my last statement, I had XXXX reward points in my account. XXXX XXXX advertises to this day that your points do not expire. However, when I recently tried to redeem those points, I was told that I only had 60 days from the date that they closed my account to transfer those points. No one from XXXX XXXX informed me of this when they closed my card. In fact, XXXX XXXX did not so much as call me to notify me that the card would be closed and what my options would be. As I understand it, they closed a lot of their U.S.-based cards at the same time, again without notice. 

The XXXX points is worth more than {$1000.00} when transferred to XXXX XXXX. It is grossly unfair, and I believe illegal, for XXXX XXXX  to make a profit from the transactions on my account, provide reward points in exchange, and when the point total becomes too large, cancel my card and recoup the unused points. All without any notice to me. I have contacted XXXX XXXX and spoken with both the rewards department as well as the customer service department, and they refuse to adjust my reward point balance. Please help in any way you can. 

Thank you.
This account was opened and used ( without my knowledge or permission ) on XX/XX/XXXX. My sister set up the account, using her info as contact info and my ssn and name as billing info. The balance is XXXX. On XX/XX/XXXX, I called to file a fraud claim, and it was denied on XX/XX/XXXX. The credit card could not tell me why it was denied, and the investigations unit was not available. I have lived overseas continuously since XXXX in XXXX XXXX. I have no business in the United States, and I have no authorized credit cards. None of these charges are mine. I am disputing the whole bill. I filed the claim on XX/XX/XXXX, and have submitted documents verifying the claim. 
My sister made all the purchases and opened the card. I have never seen a bill, credit card statement, a purchase, or any online access related to the card. None of the charges are mine.
I had a credit card with USAA bank and defaulted on the card. I called USAA bank to settle and they told me that I cant because they wrote it off as bad debt and they sent me a XXXX back in 2013. They sent it to an old address.I requested a copy but they still are reporting a balance on all XXXX credit bureaus.
My husband deposited {$3500.00} into our joint checking account on XXXX XXXX ( Suntrust Bank ). The amount showed as a pending transaction, until I checked the account online the following Monday ( XXXX XXXX ) where I discovered the deposit had totally disappeared. I contacted a local branch and they initiated an 'investigation '. In the meantime my account was credited with a miscellaneous {$3500.00} and all resulting overdraft charges as a consequence of the missing deposit were refunded. Suntrust has not provided me with an explanation regarding the outcome of the investigation, nor has management responded to my complaint, or offered any compensation for the major error.
I was contacted back in XXXX/XXXX/XXXX I received a call from the national credit services collection agency and they stated I had a balance of {$2100.00} from XXXX XXXX apartments and would I be able to make a full payment today? I told them I was a college student who was locked out of my apartment before even going to court to complete the full eviction process and I was disputing the charge. He stated at that time the full amount would hit my credit. I never received any further calls from that moment on until XXXX back two years later and asked if I could set up a payment arrangement they said no the full amount is due. After that I called again in XXXX XXXX and spoke with XXXX and she stated she would be offer a settlement of {$1300.00} but that would need to be paid within the same month. I agreed and told her I would call beck the end of XXXX to make payment. It is now the end of XXXX and I called and XXXX was very rude to me and stated I could no longer make the payment they have been calling and sending out letters for a settlement which I NEVER recieved. So now she stated they would send off the settlement request which has no time frame of when they would get back to me with the settlement amount it could take weeks or months or they may never get back in contact with me for a settlement. I told her I wanted to speak with her supervisor which her name is XXXX and she stated I should call back on Tuesday because she would submit the request for me but when I called back Tuesday she was at lunch and I spoke again to XXXX who stated no update for a settlement has been made and she stated they may never respond for the settlement to be made but I told her again you offered me a settlement before so you are not offering me what we agreed on and she stated I should go ahead and pay the full amount which is unfair and not ethical by any means. I just want to get this taken care of today but they are not willing to help at all and they are not professional.
Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

This item Account paid in Full ; was a Charge-off reported by SANTANDER CONSUMER USA # XXXX is inaccurate and incorrect as you can see on the attached letter dated XXXX/XXXX/XXXX which states : Santander Consumer USA Inc. recognizes the above referenced account as paid in full on XXXX/XXXX/XXXX The information on my credit report is inaccurately stated and reported by Santander Consumer USA, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. 

Enclosed are copies of the later dated XXXX/XXXX/XXXX by Santander Consumer USA details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX Attachments : - Item Being disputed ( XXXX ) - Item Being disputed ( XXXX ) - Letter by Santander Consumer USA dated XXXX/XXXX/XXXX
I have applied for Amazon.com credit card around XXXX or XXXX 2015. Despite the fact I have credit score of XXXX plus Chase denied my request. As the attached letter indicates. Chase only states that I had " previous unsatisfactory relationship with us or one of our affiliates. '' It does not indicate what did I do that was unsatisfactory to Chase or its affiliates. This is against the law I should know why my credit is denied. Chase policy is exclusionary and discriminatory. I am an American Citizen of XXXX for twenty years and a XXXX person. This exclusionary policy by Chase has caused tremendous hardship for me and my family.
I am the victim of idenity theft. I have disputed fraudulent accounts on my consumer credit report from XXXX Trans Union and XXXX. The continue to report the fraudlulent information on my reports. They are also reporting the wrong date of birth on my credit report. I have submitted a copy of my driver 's license and ss card to verify my identity and each bureau still report wrong information. They also continue to report fraudulent information after I have disputed it multiple times.
I purchased a car XX/XX/XXXX XXXX very over priced ), Not understanding my rights or anything about buying a car. I paid {$2500.00} down, then {$500.00} XXXX deferred remainder of down payment XXXX two weeks later ; then started making payments of {$570.00}. per month starting two weeks after the {$500.00}. A month after the first payment was made the car broke down, I called the dealership and explained to them I was n't going to be able to make the {$570.00}. payment and pay to fix the car. They told me not to worry about it, they would help me make arrangements, two days after speaking with them they reposed the car. And refused to speak with me anymore. Years passing I got informed VIA my credit report, I had judgment against me. They 're taking 25 % of my wages, I 'm a single mother XXXX, with very little funds to begin with. I feel like they really took advantage of me and has possible done it to others.
On   XXXX   XXXX   XXXX     I contacted Bank of America to try to reach a resolution with an account that I allegedly owe. I did not to admit to any debt owed and asked the representative what options are available for this unowned debt to be removed. The representative proceeded to tell me that this is her last call of the day so we needed to resolve the issue immediately. The more I explained, she let me know that she would have to connect me to a collection department. When I was transferred to a collection department, the rep informed that no pay to delete options could be made with bank of America because, " When your account is charged off, we get discounts with the FDIC and the account does n't effect us anymore. '' He proceeded to refer me to  XXXX   XXXX   XXXX  and said that I would have to talk to them to resolve this issue and work to have my credit updated. After contacting this company, they did not even attempt to pull up any account or verify any amount owed and yet demanded a payment of {$2000.00} for removal of account. I would not proceed with any transaction and was informed that Bank of America and  XXXX   XXXX   XXXX  can sue me for refusing to pay the debt!!!
My private loan company has been hounding me for payment after I have explained to them that I am currently unemployed and now not receiving unemployment. They will not work with me to defer the loans while I am unemployed and now are threatening to sue. They are forcing me to ask others for money which is impossible since my parents are both XXXX and living off the system. When I 've spoken to Navient, their representatives are rude and have an attitude and will not work with me. When I first called them back in XXXX when my loans payments were going to rise 80 %, I was informed by a representative that there was nothing they could do to help me until I had income coming in. I have been harassed for the last month and when I have spoken to them have been treated so poorly I was brought to tears. They have sent letters saying they want to work with me but when I call them I get nowhere.
I received a letter from Penn Credit corporation dated XX/XX/XXXX and after few days without any chance to verify my records ( 30 days to ask for verification ) or according to the FDCP nobody gave the change and placed the account in my credit report in a clear violation of the law. 
Previously contactked PennCredit via CFPB to obtain copy of any contract or any documetation to validare any debt but the amswer wad they try to contact me in a old address without any success but now they decide to validate by themself. 
The report show inaccurate information because during the time they are indicating to the credit bureau, i was not living at the address so how XXXX could open and charge using my identity and social. 
See residency letter from shelter during the period open and charge under my name. 
XXXX shows day open XX/XX/XXXX and XXXX  XX/XX/XXXXand during that time I was living in a shelter so the dates obviously are wrong, the amount is wrong and somebody used my information to open the account.. 
PennCredit violate the 30 days period and the Credit Bureau allow them to post false and inaccurate information withou any support.