WillisBack/dataset-financial-user-claim huggingface dataset:
There are XXXX strikes against my Credit. XXXX of them being an old apartment complex that I was told would not be charging us for final rent as well as would be returning our deposit due to mold issues in both the apartments we lived in during the one year lease. 
The other mark on my credit is a medical bill that should have been taken care of by a work mans comp claim through the XXXX I used to work for. 
I attempted to dispute these marks through XXXX. I filled out the original account look up page info. Upon completing it they asked me question relating to " loans I took out '' such as mortgages and car loans. The questions asked what company I took the loans out from and how much my minimal payments were. The problem is I did n't take out any loans from any company nor do I have minimum payments of any kind for these non existent loans. I answered the questions with " none of the above '' since these loans did n't exist and the response back was that that did n't match the info they have. Now I am concerned that identity theft may be an issue on my report as well although I did not see any physical proof of such.
I had a delinquent phone bill in XXXX, it has been charged off and should be dropping off of my credit soon. ERC/Enhanced Recovery Company continues to illegally re-age my account by closing it and reporting it as a new debt by either of their names. Same company and it keeps closing and re-opening the debt and the age of the account is being improperly represented on my credit report. Currently the debt shows it is only a little over a year old and is actively reporting negatively every month. I believe they are attempting me to bully me into paying a debt that has been charged off for years by purposefully harming my credit with " new debt. '' The first day the account became delinquent should be accurately represented and they should be stopped. This is n't the first time they have done this, last time I caved and paid the debt that was due to drop off and saw no improvement to my credit score.
On XX/XX/XXXX I became aware of an unpaid medical bill that was reported for collection, in the amount of {$56.00}. I had not been aware of the outstanding bill until the debt appeared on my credit report. The debt collector, MRS BPO, posted the collection twice, on two separate dates, to XXXX ( XX/XX/XXXX and XX/XX/XXXX ), and twice on two separate dates to XXXX ( XX/XX/XXXX and XX/XX/XXXX ; the latter date is 12 days after the bill was paid ). On XX/XX/XXXX, I paid the bill in full by credit card over the telephone. The confirmation code I was given by MRS BPO is XXXX. I was told by the agent that the 4 derogatory entries reported to the two credit bureaus would be removed in XX/XX/XXXX at the latest, as they report improved accounts on a monthly basis. The entries have not been removed, despite the account being paid in full.
XXXX has been non-compliant with removing the unverified account FMC-XXXX  XXXX XXXX Date opened XX/XX/2008 which has been deleted by XXXX  and XXXX. XXXX   and XXXX  have both completed their research and determined that Date opened XX/XX/2008 was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I disputed XXXX, XXXX, XXXX, and XXXX totaling {$6000.00} to citibank cashback mastercard against a merchant that debited my account last XXXX 2015. My mom asked the the merchant to credit my account {$6000.00} through email, for the service was under her name. It was approved by the merchant, and we forward the email to mastercard dispute dept. During that time, citibank mastercard conditionally credited {$3000.00} towards my mastercard. Should it have been a total of {$6000.00}? After several weeks, only {$3000.00} was credited to my mastercard. I called mastercard and asked about the other {$3000.00}. Since then mastercard has not given me a clear answer why my account was not credited. XXXX dispute customer agent said that there could have been a mis-coding. What is this mis-coding? I asked several supervisors later and none would tell me. Mis-coding? 
I have been doing all the calling to resolve this problem. I have talked to many supervisors. All have promised to investigate and call me back and not XXXX of them ever returned my call. I have been ignored constantly. I think that citibank mastercard is avoiding my request. Please help me resolve this problem. From the beginning, I have followed all mastercard 's steps and now something is wrong. Mastercard is not being transparent nor have the many dispute supervisors, who promised to call me back, returned my call, emailed me, nor sent a mail. 
My mother emailed the merchant requesting why the company is has not sent {$3000.00} to my credit card. The merchant has not responded yet. It is their policy to credit my Mastercard account only. It does not send money in no other way. Please help me.
In 2017 I purchased three automobiles. Being well aware of how credit works, I specifically instructed each dealership to ONLY pull my credit one time. I did NOT authorize any additional credit inquiries. Without my knowledge each dealership pulled my credit multiple times resulting in my credit score dropping over 100 points. The inquiries I did NOT authorize are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This happened with all three dealers and involve XXXX XXXX, XXXX  and Experian credit bureaus. I wrote letters ( attached ) to all three demanding they show me proof of me authorizing these inquiries which I have the legal right to do via FCRA 609 and 611. They refused my request and stated the inquiries would stay on my credit for two years. They are flaunting the law and I am filing a formal complaint with you to get these inquiries removed immediately.

If you have any questions, you can contact me directly.
On XX/XX/2018 I had sent WELLSA FARGO DEALER SERVICES a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX.

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. 

I received a letter on XX/XX/2018 asking for additional information to address my credit " DISPUTE ''
I recently and very proudly paid off my credit card balance on XXXX XXXX XXXX {$25000.00} with money I received from a retirement settlement ( XXXX installment ). I double checked with a Chase Rep before making my pay-off to ensure there were no hidden fees, charges, etc. I was quoted the same amount as was showing on my Chase app balance. I know to do this after working at XXXX. My payment was not due until XXXX XXXX. I made my payment online and received my confirmation e-mail. I went in to check the app on the following day and the balance read zero. What a relief! From here on out, I intended to only use the card for small purchases and pay off immediately. On XXXX XXXX which I figured would not be processed until after my payment, I made a small charge and another on the XXXX. I paid them both off on the XXXX. The app balance again read zero. We are renovating our home a bit with some of the money so instead of carrying cash to get home improvement supplies, I made a small charge on the XXXX which I thought might have interest and then waited until the XXXX to make the other. On XXXX XXXX, I checked my app for the balance on the XXXX charges due to not being able to find my receipts. To my surprise, on the XXXX, {$120.00} in interest was charged! The total of both of my charges was {$600.00} and I planned to pay them yesterday. I asked Chase where this interest came from. They said it was on the balance I paid off between XXXX XXXX and XXXX XXXX when I paid off the balance. I told them that their staff quoted me the pay-off with interest and all pending charges. They refuse to budge or remove the charge. I told them I would pay the {$600.00} or even interest on the {$90.00} charge from the XXXX, but I refuse to pay interest that they have decided to add after quoting me a pay-off. This is a problem with their staff and a very predatory way to treat customers. I have informed them that I will be reporting them. I have filed with the OCC. My response today was as follows : Thank you for taking the time to contact us in regards to the interest charged. your inquiry has reached the highest level. Your account was a revolving balance which is charged interest daily. Therefore you were charged interest on the average daily balance carried from XXXX/XXXX/16 until paid in full on XXXX/XXXX/16. As this interest charge is valid, we are unable to credit it. As long as you pay your previous statement balance in full by the due date, no further interest will be charged. I apologize for the frustration caused. 
Sincerely, XXXX Best Quality Customer Care Senior Financial Service Specialist Phone : XXXX Ext XXXX Mon thru Fri XXXX XXXX to XXXX XXXX Fax : XXXX The XXXX for would never ask a customer to pay for an employee error. It is not my fault that they did not include this amount. I asked for a pay-off that included everything and paid it all. My money is hard earned, and they are a big bank trying to squeeze every dime that they can out of consumers.
XXXX is misreporting an account I had with them as charged off which is having a detrimental effect on my credit report. I paid XXXX directly in the amount of {$210.00}, which I have a copy of my bank statement showing the amount and that I paid DIRECTLY to XXXX and not a third party collection agency. The minimum that XXXX could have done was accurately update my credit report as " collection paid ''. 

I have reached out to XXXX to have this matter taken care of, to show that I have paid my debts and have my credit report updated, but after months of being told to contact the third party collectors, whom I never paid nor are they on my credit report, and completely disregarding my concerns and I would like this completely removed from my credit report.
This is not an account that should be on my report. I have never lived In This complex. 

I have been a victim of identity theft. and will be attaching an affidavit to this report.
I signed up for the American Express Platinum card offer of XXXX points for {$3000.00} spend in the first three months. This application was submitted and approved on XXXX XXXX, 2016. The points became available in my account on XXXX XXXX, 2016. After being unable to use them, I was advised my account was under review and would take 6-8 weeks to process. After 8 weeks, on XXXX XXXX, 2016, I had American Express submit an escalation. On XXXX XXXX, 2016, I finally received a voicemail to call in. 

When I called in, I was told my points were removed for not fulfilling the terms in receiving the points. Originally, I was told, by representative XXXX, that even though I had over {$3000.00} in qualifying purchases it was because I had some non-qualifying purchases in there and it had to be the FIRST {$3000.00}. This is not consistent with the terms, so we escalated to a Manager, XXXX. The Manager informed me that they do not know the exact decision, but there are no ways to appeal or speak with someone regarding that decision. 

I believe that I satisfied the requirements with over {$3000.00} of qualifying purchases within the first 3 months. The points were unfairly removed from my account. 

Throughout this process, American Express never sent any communication to me to inform that my account was under review or what the status of this review was. I needed to call in to find out any details. Only once my final escalation was resolved did I receive a voicemail to ask me to call in. At this point, the decision was made. I was never afforded any opportunity to discuss my situation with American Express. Even if there was not enough of qualifying spend, the practice of awarding the points early and then creating a window of review that goes beyond the qualifying window is very deceptive. If points are later taken back, and extension should be granted to allow the customer to make up the difference.
I received XXXX postal letters from Accelerated Receiveables Management , Inc. I verified that they are not licensed and have been in contact with the Arizona Department XXXX XXXX XXXX that has been investigating this company as they are not licensed in Arizona as a debt collector. In email conversation with the XXXX of the company XXXX XXXX she stated I will transfer this to my law office I do not need a law license to sue there meaning Arizona.
I had gone to XXXX XXXX to buy sofas. The woman at XXXX XXXX had made an error in an ottoman and had cancelled one part of the purchase and billed us again. Bank of America has flagged it as fraudulent and we agreed, not recognizing the charge. Our debit card was called and the funds for the sofas were held in limbo, the bank saying that it had gone through but then XXXX XXXX saying they had not gone through. XXXX XXXX then wanting us to charge our card again. Finally we cancelled the purchase but while waiting for he XXXX to be credited back to our account, our account was in the negative and we had XXXX overdraft fees. This was complicated by XXXX charging us for a move and then canceling their charge. We thought then we had more effective funds and they charged us again.
I Purchased a new XXXX XXXX on XX/XX/2012 from a dealership name XXXX XXXX XXXX in XXXX. The car was financed with Santander Consumer USA. I did not have good credit at that time and my interest rate was around 20 %. The problem is that I have made about 37 months worth of payments which total around XXXX to date. And I only paid down about XXXX in the principal balance. I am taken advantage in a NON simple interest loan. 

Based on a standard amortization schedule. My current balance should be around XXXX-XXXX. I dont know how XXXX worth of payments went towards interest and XXXX went to the balance. 

I was forced to purchase something called GAP insurance sold by the dealer. The dealer stated that it needed to be purchased or the lender wouldnt lend on my loan. 

Please help and investigate! I am sure there are thousands of people taken advantaged of like my situation. Very grateful for the CFPB!!!
I signed up for a Capital One 360 Money Market account on XX/XX/XXXX with the " XXXX '' promo code welcome bonus offer, which gave a {$200.00} bonus upon deposit of {$10000.00} into the savings account. 
There were a few problems with setting up my external bank account, which took a few days to resolve, and then I was able to transfer the money by XXXX XXXX, XXXX. 
They promised that the bonus money would arrive within 3-4 weeks, and that there was no minimum deposit length requirement. 
However, the bonus still has n't arrived in my bank account, even though I entered the promo code, was targeted, and should have received the bonus by now.
I contacted XXXX, and XXXX XXXX/XXXX  on XX/XX/XXXX about an unauthorized inquiry on my credit report, that was reported by XXXX XXXX/XXXX on me on XX/XX/XXXX. I requested that the inquiry be deleted. I have attached a copy of both letters that I mailed certified. XXXX responded that the inquiry was updated. I have never received a response from XXXX XXXX/XXXX on the matter. However the inquiry has not been deleted by XXXX XXXX/XXXX or by XXXX. I have never applied or purchased anything from XXXX XXXX/XXXX. I have had previous issues with my personal information being compromised by XXXX. I am not sure if the 2 incidents are related, but I am sure that this was not an authorized inquiry by me and it needs to be removed.
What I said in my complaint ... 


To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XXXX XXXX, 2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XXXX XXXX, 2017 and they completed the request on XXXX XXXX, 2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
I am constantly being bothered and harassed by a company called  True Accord!!!!  The guy named  XXXX  called me at work about a debt I know nothing about requesting credit card information. I advised him I could not talk he called my job.     After that I have received calls on my cell phone and I receive at least  XXXX  emails from them a day. They are being very aggressive and threatening to sue me if I do n't resolve the matter before   XXXX   XXXX       I have received  XXXX  emails from the following individuals below just in the month of  XXXX  and today is only the  XXXX !!!     I have received emails from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  They also said they are called  XXXX   XXXX
I am behind in my mortgage and learned from a letter from Citifinancial in XXXX that my home was to be auctioned XXXX XXXX. The phone number on the letter resulted in two days of calling and being transferred to at least XXXX different numbers to try to find someone who could give me information on my home and my loan and an amount to pay to stop the auction. I work out of state. My children are grown or away at school and we only get to come home once a month on weekends. I was informed in XXXX 2016, the amount I would need to pay before the XXXX of XXXX 2016 was {$36000.00}. Unfortunately my husband was hospitalized XXXX XXXX. I was able to make the wire transfer on Monday, XXXX XXXX as soon as local branch opened at XXXX. I was told by my bank that Citifinancial should receive the money by XXXX. Of course they did not post the funds to my account but I did call Citifinancial 's Massachusetts XXXX on Tuesday to inform him that I had made a wire transfer for an amount to reinstate the loan. He was kind and offered to send a message from his side to inquire about the receipt of the money. Apparently my auction date is XXXX XXXX, and not XXXX XXXX as stated in the letter I had received! Later in the afternoon, I received a call from a Citifinancial rep that they had received my wire transfer but that the amount was not sufficient to reinstate the loan. I was told I had to pay {$2600.00}. immediately. ( a monthly payment ). I do not have this amount to pay and will not have this amount to pay until the end of the month. Meanwhile, I am receiving so far XXXX3 calls a day about this amount and I have also received a call from a Citifinancial rep identifying herself as a supervisor and insisting that the money sent to Citifinancial would be returned and the auction proceed unless I made the payment immediately. 

Please note, I have not been served any papers about auction or foreclosure. I have noticed that my home has been listed on real estate websites for about 160 days as preforeclosure and auction. I am desperately trying to keep my family home. I will be able to continue with the monthly payments, I just can not make double payments.
I made a payment of {$900.00} on   XXXX   I expected the money to be accessible by  XXXX . I checked my card the balance on the card reflected my payment but the available funds were {$0.00}. I called and I asked what I could do about it. The first person I spoke to told me that my payment would n't be available until Tuesday because my payment was too large and that I had to wait until my bank confirmed the funds and then once the bank did that I could call them back. I told them that I payed {$1000.00} last month and that went fine. Then, she told me that it was put on hold because my payment from  XXXX  months ago was not completed. As a solution, she recommended applying for an extension of credit online. I asked to speak to a supervisor. This person, a supervisor in the fraud department, told me that it was on a hold and there was nothing they could do about it until the bank clear the funds. I told him I 've had the card for years and it has always worked the same way. I pay, the money, it is available the next day and the payment comes out of my account the day after. Always. Including last month, which was the month after the incomplete payment. I asked to speak to his supervisor or at least someone from a different department, he said he was a supervisor and anyone else I talked would tell me the same thing. He put me on hold and then came back on to tell me that I had  XXXX  incomplete payments over a period of time and that was why my payment was on hold. I told him that it might be the case but what was the cause of the hold in payment now and how could I access my money, or at least part of the payment. He kept repeating himself about when the bank posted the payment and how they could n't do anything until they had confirmation etc. I told him that we were going around in circles and at this point I would like to talk with someone else. He said fine. He put me back on hold. I was transferred to another supervisor in the fraud department. This person went about telling me the same thing as the last  XXXX  people I talked with. I told her that there has been a change in credit card policy from last month to this month and I was n't notified  XXXX  prior nor was I given an option to opt out. She said putting payment on hold that this had always been the policy. I asked why this had never occured before. She said that sometimes they do n't put a hold on the money and that they do n't know about the hold until after the payment has been posted. I asked I could speak with the person who made that decision. She said it was a computer. I asked if I could speak with her supervisor and she said no. I asked if there was anyone else either higher than her or in a different department I could talk to about my payment. She said no. Then I asked that they close my credit card and issue me a refund for my payment.