WillisBack/dataset-financial-user-claim huggingface dataset:
I received a notice of debt at my old address/XXXX  XXXX XXXX, ( although XXXX XXXX is aware of my forwarding address ). I did not received anything from XXXX XXXX XXXX  requesting payment or advising of expenses or any debt owed. There was no claim to keep my security deposit at any time. NO debt is owed, as I paid timely, in full, and honored the terms of our agreement ( which XXXX XXXX XXXX violated ), in addition to illegally containing or withholding my security deposit. There were verbal and e-mail communications advising that I could terminate the lease. The apartment was literally placed in BETTER THAN move-in condition prior to leaving, and I vacated when the landlord asked that I vacate so she could 'return my deposit and show the unit '. This erroneous debt was placed in collections LESS THAN a week later ... with 4.75 % interest. The collection agency reported to my credit after being informed by an attorney that the debt was not verified. XXXX XXXX/ XXXX XXXX XXXX/ Hunter Warfield collect LOTS of fees for this invalid, unsubstantiated, immoral, and illegal process and I want to make sure it does not continue.
I have been recieving emails from a group called AMERICAN ADJUSTMENT BUREAU about a payday loan that i know nothing about, recently i got a call from them and when i asked for more information regarding the debt so that i can also investigate it they hung up the phone and when i called back they pretended they did not contact me in the first place now when ever i call it goes to voice mail and no one ever calls back. On the recent email that i got from them it sounds like they are threatening me or trying to scare me to send them money. I am scared because they have my vital information I.E they have my ssn number, my DoB and my bank account number. And on the email that i got from them they did not provide a way for me to contact them back.
I set up payments of {$50.00} with Navient, they stopped taking auto payments. I called to ask about it and did not authorize them to take more than {$50.00}. They charged me {$200.00}!!!
On XX/XX/XXXX, I was notified that a new account had been opened in my name. I immediately disputed the item with XXXX. On XX/XX/XXXX, the investigation was complete. According to XXXX, the item was accurate and updated. On XX/XX/XXXX, I contacted the creditor. The rep 's name is XXXX XXXX. According to XXXX XXXX, the account could not be verified by the account number reported on my credit report. He tried to verify the account using my name but was not successful. Mr. XXXX did ask for my social security number. I did not provide that information over the phone. I requested a second investigation on XX/XX/XXXX, with XXXX. As of XX/XX/XXXX, XXXX  is documenting this item as accurate and it remains on my credit report.
Have had TD Bank XXXX checking for XXXX years maybe XXXX from XX/XX/XXXX til XX/XX/XXXX. What made me breakup my relationship with them is that, usually when I deposit a check, I have either 50 to 70 % of that paycheck available and onetime I when to buy transit fare, they charged me for overdraft despite the money was there and available, this continued XXXX or XXXX more times without my balance ever dropping to {$0.00} balance. The fee 's would multiply and pop-up and cleaning me out. So I tried cutting my ties and these ridiculous penalties they pressed upon popped up and I was n't happy and just opened another account with a local bank. They closed my account after a week or XXXX without me being able to settle and I was reported to XXXX. I settled my balance with them after a month but I can not open any new accounts, not even with my wife 's name attached as a joint holder. I just moved and my current bank is nowhere near my home and i have to spend either XXXX minutes to an hour after my XXXX shift to deposit or withdraw funds or wait til I 'm visiting my sister 's home and making a quick stop to check my account.
I was told that this old account was re-aged and sold to XXXX XXXX. I contacted XXXX XXXX and worked aggressively to pay this off within months by making doubled payments and large debit amounts as agreed by payment plan with myself and XXXX XXXX. I made the final payment before the plan was up because the rep and Account Manager told me the file would be closed and removed from my credit files. I have never received correspondence from them as paid in full or it removed from my credit files. I have sent them numerous goodwill letters and they have never responded. I would have never paid them in full and before the payment plan was up if they never agreed to remove this from my credit files.
In reviewing my annual credit report, I noticed that there was a 30 day late reporting on my credit report from  Home Depot,  even though automatic payments had been setup by them and paid satisfactorily for years.     For several years now, each month on or around the  XXXX , automatic payments of {$150.00} were debited from my bank account to pay  Home Depot . These automatic payments were setup by a  Home  Depot Representative years ago, and would continue until my account was paid in full. I was absolutely shocked when I realized tha t Home Depot h ad reported negatively on my credit report and had not attempted to contact me regarding the remaining balance of {$11.00}.     I contac ted Home Depot to  inquire and to attempt to resolve the reporting discrepancy and I was told that the final payment for {$11.00} had not been debited from my account because their system was only setup to take the monthly payment amount and that since my balance was only {$11.00}, their system would not make the payment. When I asked why they did n't contact me or send a letter,  (  which they 're required to do before reporting negatively ) the representative simply stated that a generic letter was sent to me about my account being paid off, but nothing to warn me of the potential late payment or that a negative report would occur. In addition, I was told that there was no attempt to contact me and that the company decided to simply charge off the remaining balance, after years of satisfactory, on-time payments.     I made several different calls t o Home Depot,  I was transferred many times and my dispute has been escalated to various different managers in different positions and neither has accepted their error or agreed to correct it.  XXXX  at  XXXX  was the las t manager t hat I spoke to regarding this reporting error and she is not returning my calls. I spoke with her initially months ago, she then called to gather additional information from me and now I have left  two  messages for her, with no response.
Navient is impossible to contact, and very difficult to work with. Also, they constantly send me marketing materials trying to sell me stuff under the name XXXX. If I block those emails, then it blocks emails I need. This company is dreadful and I am fed-up with them. When I call, their automated system hangs up on me and it takes 4 or more tries to get in a cue that then takes another 45 minutes wait time to speak with someone. When I get someone, it is typically the wrong someone, with a bad connection, in XXXX, and I can not understand what they are saying. Disconnect and try again. I have spent countless hours trying to reach them to not get simple problems resolved. They 've already made one mistake and hurt my credit - which cost me on a mortgage loan that affects me for 30 years. I 'm sick of this company. I never signed on with them, but my loan was sold to them and now I have to spend way too much time dealing with a bunch of amateurs and not getting my problem solved. I previously submitted a complaint and they never contacted me. They did respond to the CFPB, claiming that they were unable to reach me, which is patently false. This just reinforced my suspicions above - this is not an organization that is interested in actually getting anything meaningful accomplished - they are a bunch of amateurs that are wandering aimlessly and randomly picking individuals to make their lives difficult. I DO NOT WANT TO DO BUSINESS WITH THIS ORGANIZATION ANY LONGER and I hope that the CFPB can offer a way out and recourse.
This complaint is in response to a recent complaint that was filed. Please reference complaint number XXXX. Experian has stated that the information was verified with a furnisher/vendor company. This is an incomplete investigation. I do have paperwork from XXXX XXXX and the Bankruptcy Federal court that proves no bankruptcy information has been released to anyone. The information on my credit report is still inaccurate. Please note : XXXX coding is not a reasonable means of re-investigation. Please reference the established case laws XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX. 

I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. I am formally requesting the description of the procedures used to determine the accuracy and completeness of the disputed information, including : * the business name * the full name of the individual whom you spoke with * the full business address * and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ).

Negligence or willful disobedience to this request will prompt my immediate pursuit of legal remedies protecting my consumer rights including up to {$1000.00} in damages per account. I look forward to an expedient resolution of this matter. Thank you.
XXXX 's Failure / Refusal to remove a Dismissed Bankruptcy from my file in violataton of Fair Credit Reporting Act Sec.1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or order of relief. Any case civil or otherwise, which is dismissed no longer exist in the eyes of the law and the case filed has never been adjucated. Therfore, XXXX / XXXX XXXX ( Reverification Company ) has no right to maintain information which the government has deemed non existent. Once again, pursuant to Sec. 1681c ( a ) ( 5 ) of the FCRA, XXXX must delete this information from my report and send me an updated copy when this correction is completed, XXXX must stop depending on XXXX XXXX for reverification of false / incorrect information that is in clear violation of the FDCPA. Additional Complaints are being filed, by me on XXXX XXXX & XXXX with the BBB. This also being reported to Experian in the same manner. XXXX XXXX is knowingly abusing the law and has incorrectly re verified this information at least five times. XXXX XXXX attempts to justify their actions by incorrectly stating that a non appearance for a 341 hearing that results in a dismissal is an adjudication. XXXX needlessly reinvestigated the file ( multiple times ) after being informed of the exact Section of law and blindly accepts XXXX XXXX 's abuse of the FCRA Law.
I called back around XX/XX/XXXX to cancel my Citi credit card. I called and cancelled before the {$450.00} fee was due. When i called they told me since i called before the fee was due they would credit the fee and i wouldnt owe anything. Well instead of doing that they left the fee on there and started charging me late fees every month on something that I dont even owe. I know i should have logged back on my account and checked it but I had just figured it would all be taken care of. Now citi has sent that account to collections and it has been at collections for over a month and they refuse to look into it and refund me the fees. I think the whole thing is pretty XXXX. I always pay my bills on time and they can even tell you i NEVER had a late payment. No because they did this my credit is ruined and my credit score has dropped over XXXX points. I would like for them to fix their mistake and give me an apology and contact the credit bureaus and get it straitened out with them so my credit score goes back to where it should be and it doesnt show i have an excessively late payments on there. This whole thing is really frustrating and the fact they wont talk with me and fix their mistake really XXXX. Also either the credit card company or the collection agency owes me a little over XXXX dollars in refund that i still have yet to see from either of them. Since i no longer have that card anymore i am not sure of my full account number but i believe it ends in XXXX
Capital One randomly and without my consent to reject ; has increased my credit limit three times in the last year. These have been significant credit line increases. Capital One says because of my good standing, they increase my limit. However, they refuse to lower my interest rate. I have a high interest rate and Cap One keep raising the credit line to potentially extract more money from me. It seems this practice is unethical at best, because if I 'm such a good customer, then lowering my rate would be the best practice. I contact the XXXX about this and Capital One replied w/ a scripted response. Capital One is practicing in unethical practices by not allowing the customer to decline a credit line increase and they say " accounts are periodically reviewed for credit line increases '', but say my account is n't eligible at this time for an APR reduction? Makes no sense. If I 'm such a good customer, then trying to squeeze more money from me on a high interest rate from credit line increases is very much a sleazy tactic.
i am writing to u to see if we can get XXXX XXXX taken off my credit report since they closed my account on XX/XX/XXXX and they wrote it off and i would like it taken off my credit report it was for XXXX
My Coinbase account was Hacked on XX/XX/2018. About {$6000.00} in coins was stolen from my account, {$10000.00} was stolen from my checking account and several thousand dollars of unauthorized charges was made to my credit cards. I have called coinbase several times, emailed them 3 times with no results. I am unable to gain access to my account, their support personnel are not help helpful. It's been 2 months since the hack and I would like the situation straightened out. Assuming my account was the only one hacked, why is it taking so long to fix my account and return my stolen funds and coins. The company, in my opinion, has stolen a great deal of money from me.
This company call repeatedly throughout the day, sometimes in excess of  12  times, all from different numbers. They have also contacted a friend of mine several thousands of miles away, several times this past week. Yesterday and just today was the last time. A woman by the name of  XXXX   XXXX  called from  XXXX . She told my friend that she thought she was me, then asked for my number. She was told no information would be given to her without her stating who she was and what company she was calling from. She would not disclose the company name. I have sent several e-mails as well as letters to the company asking them to stop calling my friends and family, and stop harassing me several times per day, and the continue to do so!
I was sent an of fer by American Express for a Delta Skymiles Gold Card i n  XXXX   2017 . I have had this card before but had cancelled due to high annual fee. I applied on-line and was approved immediately. My card came in the mail within a week.     This offer included first year free plus  XXXX  miles after reaching spend amount of {$3000.00} in first 3 months.     After I reached the spend level, I called to find out when my miles would be credited. I actually called twice because they were n't showing up. I was finally told I needed to wait 90 days. I continued to use the card and have spent close to {$8000.00} since enrolling.   The 90 days came and went but still no miles.     I called the company again but this time was told since I had the card before I was n't eligible for the bonus miles. They informed me that this was disclosed in the terms and conditions. I did not see that when I went thru the application process and informed them that regardless why had n't I been told this earlier by anyone I talked to. They informed me that the agents probably did n't look into that level of detail on your account.     I feel like this was misrepresentation and deceptive advertising. I would not have applied for the card or minimally would have stopped usage had any of the agents informed me about this. I feel they let me continue to spend and only informed me when I pressed about the miles.
This was a workman 's comp case. Under Florida law they can not come after me for a balance owed. Workman 's comp paid them. I contacted Avant about 6 months ago and they were suppose to take this off my credit report.
I initially applied for the American Express Gold Delta Skymiles card on XX/XX/2018.  While booking my Delta Flight, a promotional offered appeared on the " payment '' section stating the following : 1. EARN XXXX STATEMENT CREDIT AND XXXX BONUS MILES. APPLY FOR THE GOLD DELTA SKYMILES CREDIT CARD FROM AMERICAN EXPRESS XXXX STATEMENT CREDIT AFTERY OUR USE YOUR NEW CARD ON A DELTA PURCHASE IN YOUR FIRST 3 MONTHS 2. XXXX BONUS MILES AFTER YOU MAKE {$1000.00} IN PURCHASES ON YOUR NEW CARD IN YOUR FIRST 3 MONTHS ... ETC. 

After I accepted the offer, and got approved, I received a message saying : " WE'RE SORRY, OUR SYSTEMS ARE NOT REPSONDING AT THIS TIME. UNFORTUNATELY WE CAN NOT PROVIDE YOU WITH YOUR CARD NUMBER AND CREDIT LIMIT RIGHT NOW. WHILE YOU AWAIT YOUR NEW CARD, WE WILL AWARD YOU XXXX IN THE FORM OF A STATEMENT CREDIT. WE APOLOGIZE FOR ANY INCONVENIENCE. IF YOU HAVE ANY QUESTIONS, PLEASE CALL XXXX. YOU WILL RECEIVE A STATEMENT CREDIT WITHIN 8-12 WEEKS ''. 

I waited the appropriate 3 months, and have yet to be credited my {$200.00}. I contacted several American Express representatives via phone AND email, and have no resolution or response. Nobody has contacted me as promised. Each customer service rep that states they will research the issue has not followed up with me. 

I contacted representatives on 5 separate occasions in the month of XXXX. ( The only dates I have documented are XXXX XXXX on XXXXtelephone and email. Follow up email to her sent on XXXX. On XX/XX/XXXX I spoke with XXXX in the XXXX Florida office. XXXX on a XXXX ). Each representative states that they can not find this offer even though I printed the offer and the inconvenience screen and forwarded them to AMEX for further research. 

I would like to get this rectified as soon as possible. I have fulfilled the offer on my end, and Im hoping that AMEX does their part in honoring this. I spent the XXXX in 3 months, which included a Delta purchase, and also kept my account in good standing.

Please note that when looking through the statements : 1. The XXXX statement credit is the inconvenience from AMEX since they would not provide the credit card number at the time of my purchase 2. The XXXX statement credit is from the prices going up from the time that I initially tried to book my flight with Delta and the time it took to receive my credit card. 
Both of these credits are UNRELATED to the promotional offer. I have included all documentation for reference.
I 've filed several complaints about my process working with Indymac/OneWest bank in attempts to modify my loan beginning XX/XX/XXXX. Indymac/OneWest finally offered a loan modification XXXX. After 3-months trial payments, I reviewed their contract and realized it would leave me with a mortgage of over {$900000.00} which my late husband left me with, so I chose to move on. The house was scheduled for auction on XX/XX/XXXX and I had friends interested in buying. My attorney called the Trustee Corporation phone number but a minimum bid amount was never available. On the day of the auction the auctioneer delayed in 15 minute increments so no minimum bid was ever announced, and there was no auction. After about an hour, my attorney called me to say the house was bank owned - XXXX is on record as bank owner, so by not announcing a minimum bid, it feels like this was a back door deal between the banks. Two days later, a Realtor - with XXXX XXXX XXXX, XXXX County - and her husband were on the property taking photographs. I was given 30 days to vacate which would have been XX/XX/XXXX, but I vacated on XX/XX/XXXX. 
I 'm filing this complaint because it 's been a horrible process to be left a widow with a XXXX dollar mortgage because the banks threw money at my late husband who was gambling on our equity. It 's been horrible to have been left with a mortgage over the {$720000.00} maximum amount the Obama administration deemed worthy for debt forgiveness so people could stay in their homes of many years. And it was heartbreaking to go through the humiliation of a foreclosure that turned out to be a back door agreement between IndyMac/OneWest and XXXX. And after all of that, the Realtor threatened me that the bank would sue me if there was vandalism at the house I vacated. My attorney explained the bank could not sue me after vacating, so I want anyone going through this to learn from my experience.
My wife has a student loan and was a little behind. They call my number ( husband ) asking for her. When I ask who 's calling they first only give a first name. I press and they will say for a personal business matter. If I keep pressing they acknowledge they are calling from Citizens Bank on behalf of XXXX. They are now calling me twice a day, even though I already answered their first call today. I told them it 's too late to be calling, yet alone a second time in 1 day. He said they will call as late as XXXX.
I am contacting your agency because I have sent Transunion letters of dispute informing them that the tax liens showing on my credit file do not belong to me. I have contacted the IRS and other government agencies that stated that they do not have any liens under my name or Social Security Number. I need your help in getting these Tax Liens removed from my credit file. These Tax Lien is showing that they have been reporting as early at XXXX, XXXX, XXXX, and XXXX. Please help me in getting Transunion to remove these liens from my credit file.
On :  XXXX   XXXX ,  2017 , I submitte d two  requests to : Bank of America, on behalf of my Residen t Manager   XXXX   XXXX , to get proof that I have a Safe Deposit Box with Bank of America in the  XXXX   XXXX   XXXX   XXXX , in :  XXXX   XXXX , CA so with that proof I can get re-certified for being there at my Unit with :  XXXX . So far Bank of America, has not send any proofs to :  XXXX   XXXX  the Resident  Manager  at :  XXXX   XXXX  Apartments, in :  XXXX , CA to prove that I have a Safe Deposit Box with Bank of America in the  XXXX   XXXX   XXXX   XXXX , in :  XXXX   XXXX , CA so with that I can get re-certified for being there at my Unit as a Tenant of hers.